23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I contacted XXXX on XX/XX/XXXX around XXXXXXXX XXXX and talked to a XXXX who refused to give me her employee number after she was rude, unhelpful and refused me access to my report claiming I did not answer the security questions correctly which I DID, she also denied me the ability to remove to freeze and security alert permanently after I have had continual issues with them and their webpage, after not being able to access my account online AGAIN to put my credit freeze I removed temporarily back on my report and asked her to update my phone number on my security alert I placed on my account after having my data breached XXXX since XXXXXXXX  She then refused to let me talk to a manager five times and said she had to have them call me, but finally sent me to XXXX XXXX who asked me five questions and secured the account within three minutes after she wasted half an hour gathering all of my PII and life history and did nothing to help me! I want her fired!!! I want the credit bureaus shut down they are worthless and only put everyones data at risk!! All three have been hacked and breached my information than the XXXX  have you say all of your PII outloud again in front of everyone around you at the business and their coworkers as well as enter it online!! Is it any wonder every person has been hacked numerous times??? They have no business having and trying to control our data or treating us as criminals when we make a call or change!! They should have updated my phone number months ago on my security alert with my current number in my account and all three bureaus should be interconnected so they can update any of these changes per the FCRA and FDCPA all data on all credit reports are to be accurate and the same and updated between them, yet XXXX said they do not do this!!XXXX XXXX XXXX XXXXXXXX do they do other than report incorrect information, try to control our data and correct businesses by XXXX XXXX XXXX and ruining our credit and gathering our new information to help them skiptrace!!! This country ran XXXX percent better before they ever were created! They also should be made to only use personal security words to verify who we are not blasting all of our PII all over the call center and making us do the same from the business!!!! XXXX!!!
Product: Credit reporting or other personal consumer reports

I contacted Experian as well as representatives from these companies, but they are not providing any assistance. The law ( 15 USC 1681b ) that applies in this situation has been ignored. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Attn : Customer Care XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX   XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I was late past due 60 days then paid. This is a formal notice that your erroneous claim is now disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires you to investigate and correct inaccurate or incomplete information. Specifically, I request the removal of missed payments reported for XXXX, XXXX, and XX/XX/year> on my XXXX XXXX account. I have been a loyal XXXX XXXX customer for 22 years, never missing a payment until this incident, which was caused by an error on their part. XXXX XXXX inadvertently turned off my autopay feature during a period when I was dealing with medical health issues. Upon realizing this, I contacted them, and they corrected my account, reinstated autopay, and assured me they would rectify the mistake on their end. However, these missed payments remain on my credit report, damaging my otherwise impeccable credit history.

Under the FCRA, you are obligated to ensure the accuracy of reported information ( 15 U.S.C. 1681e ( b ) ). These late payments are not reflective of my payment history but rather an error by XXXX XXXX, which they have acknowledged. I demand that you investigate this matter and remove these derogatory marks from my credit report within the 30-day timeframe mandated by law. 

Additionally, I am raising a broader complaint about the predatory practice of credit utilization, which has harmed my credit score despite my fiscal responsibility. For years, I relied on a single credit cardmy XXXX XXXXrunning all expenses through it for incentives like points and cash back, paying it off in full monthly. To my surprise, my credit score suffered due to high credit utilization, a metric consumers are not adequately informed about until its too late. This lack of transparency has led to higher interest rates on loans, forcing me to take out additional cards to mitigate the issuean outcome that benefits the credit industry at consumers expense. I assert that this practice violates the spirit of fair and transparent credit reporting under the FCRA and constitutes a predatory scheme perpetuated by the Big Three credit bureausXXXX, Experian, and XXXXall influenced by the same financial giants ( XXXX., XXXX, XXXX, XXXX XXXX ). I am currently filming a documentary, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, to expose these practices, supported by my published papers on the subject. 

Please remove the inaccurate missed payment notations from my report and provide written confirmation of the correction. If further documentation is needed regarding the XXXX XXXX error, I am happy to provide it. I am also filing complaints with Experian, XXXX, and the Consumer Financial Protection Bureau to address both this specific issue and the systemic problem of credit utilization. I am also requesting that the utilization model that is currently being used on my account be removed. It does not reflect my payment history. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires you to investigate and correct inaccurate or incomplete information. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

For years now Navy Federal reflects not money is something it is not. I have been always getting payments return and gain late fees, along with many overdraft fees. I never understand why one morning Ill have {$400.00} dollars and in the afternoon now its negative whatever.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate.

Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX Account XXXX
Product: Debt collection

On XX/XX/2017 I sent a dispute letter to XXXX requesting validation of this debt - including an item bearing my signature. All I received in response on XX/XX/2017 was XXXX Credit Card statement. I again requested validation on XX/XX/2017, and again received no further information to validate the debt. On XX/XX/2017 XXXX claimed my request was similar to the first and unless I provided more information no additional response would be given. I sent another detailed letter on XX/XX/2017 asking several specific questions to validate my debt, and on XX/XX/2017 XXXX again responded with a letter that they did not receive the information required and would be terminating the dispute investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed of the breech that occurred with the company Equifax. Today on XXXX XXXX, 2017 I entered my information and it stated that I may have been affected in the breech. I tried to do a freeze of my credit with Equifax and it stated I needed to pay {$10.00}. Pretty sure that I should not be liable to pay for anything related to their breech. I wanted to report them for this. If you can help in any way I would appreciate it. Not sure what to do next.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

This account was closed and charged off in XX/XX/XXXX with {$4400.00} written off, the original balance owed was {$3500.00}. Mariner finance has continued to add monthly charges of {$130.00} for interest and late fee per month reporting the new balance of {$7100.00} past due in XXXX of XXXX. I requested a copy of the original contract to verify the contract in the state of New Mexico allows Mariner Finance to continue to add interest and late fee to a charged off account. Mariner Finance has blocked my original online account where I have no access to this information and has declined to provide me with a copy of the original contract showing they are allowed to continue to add interest and late fee to a charged off account.
Product: Credit reporting or other personal consumer reports

I find out new collection account from XXXX XXXX XXXX. Original name : XXXX XXXX XXXX. Account number XXXX. ( opened : XX/XX/XXXX, date closed XX/XX/XXXX ) in my credit report with TRANSUNION. I never had any deal with that company. First of all, I asked this company to prove to me that this is my debt and they didn't. If they can't verify my information, please remove it from my credit report immediately, i know it has to be remove in 30 days. If they can verify that it is my account please provide : method of verification, original contract with my sign and SSN number. Only if they will provide it, it can be verify! But i am sure they can't! This is not my debt, remove this account from my credit history.. EVEN IT IS CLOSED ACCOUNT IT HURTING MY CREDIT
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 


Account Name : XXXXXXXX XXXX # XXXX - Date Opened XX/XX/year> Account Name : XXXX # XXXX - Date Opened XX/XX/year>
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$860.00} XXXX & XXXX XXXX Balance Owed : {$310.00} XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$380.00} XXXX XXXX Balance Owed : {$850.00} XXXX  XXXX Balance Owed : {$760.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.
Product: Debt collection

I received a letter dated XX/XX/XXXX from Wakefield and Associates notifying me that a medical debt from XXXX XXXX XXXX XXXX XXXX had been listed for collection in the amount of {$1600.00}. This was presumably for services rendered at XXXX XXXX XXXX XXXX in XXXX AL on XX/XX/XXXX. On or around this date, I also noticed a derogatory mark placed on my credit file by Wakefield and Associates in the amount of {$190.00}. I immediately responded in writing requesting verification of the debt. I also called the hospital directly as I was set up on a payment plan to pay of the medical debt incurred during the hospital stay in question since I was uninsured at the time. Payments have been made monthly in the amount of {$98.00} since XXXX of XXXX. The last payment posted was on XX/XX/XXXX. I received a letter from Wakefield dated XX/XX/XXXX which confirmed that the name, address, and amount were correct that was placed in collection. Enclosed were itemized statements which clearly show ongoing payments toward the debt to the original creditor XXXX XXXX XXXX. Furthermore, my payments are even detailed on the account summary provided by the agency notwithstanding the most recent payment which cleared my bank on XX/XX/XXXX. When contacting the hospital, they tell me that I must contact the collection agency.
Product: Debt collection

Global Credit Collection Corp No. Account XXXX No Credit Card *******XXXX  Amount XXXX XXXX  XXXX/ XXXX credit Card This company is charging me a debt that is not mine, has personal information mine but I have never made purchases with this credit card,
Product: Prepaid card

My name is XXXX XXXX. I ca n't acces my rush card account. They 've been giving me the run around for almost a week. Ima single mother of a XXXX old son and XXXX year old brother. I 've been with rush card since 2008. This is my second issue with this company. I have been without food for 6 days and I had to go to a food bank. I 'm late on my car note and just lost my job. I 'm a full time student. I cried because I felt like I shout have put myself in this situation, when all I 'm trying to do is support my boys.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I have a fraudulent account on my credit report. It is affecting my ability to obtain credit and also see my credit score. Please remove this account from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a hard inquiry from a company called XXXX on my TransUnion report from XX/XX/23. I have not applied for any cards or any kind of credit or background checks. I believe this is fraudulent. 
Both TransUnion and XXXX XXXX XXXX ( I'm not from or have ever been to Delaware ) have told me to call the other company to resolve the issue. Pointing fingers and the whole run around. 
Neither of them are doing anything to help me, and this is going to hurt my credit that I worked hard to finally get in good standing. Please look into them.
Product: Debt collection

I was still a minor in high school, and was taken in to doctors by parents and this charge should had been ran through my parents insurance and if there was still a charge then on their credit report, and not mine. I got out of college and my credit report is showing that, XX/XX/2016, I owed a balance of XXXX $ and it was sent to collections and affecting my credit score now.
Product: Debt collection

I called XXXX XXXX XXXX to validate a debt listed on my credit report. They told me the account was with their company trueaccord. I called true accord and provided my name, social security number, address and phone number. The guy told me that he could not provide me with information because the account was in my mothers name, not mine. I tried to tell him that it was on my credit report and he insisted that he could not provide me information. I called XXXX   again and emailed true accord requesting validation of the debt. I didnt hear a response back, so I called XXXX this morning and told them that I have waited 5 days to hear back and all they said was that true accord was supposed to call me later and that it was a miscommunication about the debt. I called true accord again and they would not provide me with the agent I spoke to who wouldnt disclose information with me and I again asked for validation of the debt and the guy said that they had received my email and the only thing they could do was open a dispute. I emphasized I only wanted validation of the debt and he told me that they had to investigate it which would take at least another 30 days. I do not feel this is fair. I wish to have the debt validated and I request proper documentation that the debt was indeed not in my name and now somehow is.
Product: Credit reporting or other personal consumer reports

XXXX closed XX/XX/XXXX  account was disputed once I seen on my credit report and came back as deleted but still shows on my report This account is involved in litigation. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.
Product: Credit card or prepaid card

When I signed up for the Amex XXXX credit card on XX/XX/XXXX, I saw online that there was a XXXX point promotion online. After I signed up for it, I saw that I was going to receive XXXX points because the person on the phone said that was the promotion attached to it. However, because I was under the pretense that it was XXXX bonus points ( as advertised in numerous places online ), I went ahead and called Amex on XX/XX/XXXX, and someone on the phone confirmed that I would be receiving XXXX points. However, I saw on XX/XX/XXXX that only XXXX points were deposited to my account. I tried calling, and they did not confirm the phone call on XX/XX/XXXX. I am upset because now there have been two false promises- one for the XXXX point initial offer, and the second being that they would honor that enrollment bonus on the phone call on XX/XX/XXXX. Now they are not honoring that phone call, and are not acknowledging the phone call where someone confirmed that I would be receiving those points.
Product: Money transfer, virtual currency, or money service

I received an email from Paypal that explained my account was suspended because I violated their terms of service. When logging into my account it confirmed the same and literally says they will not provide the exact reason why. I have very few transactions with my Paypal account and they are all legitimate and small dollar payments to friends or associates or legitimate companies. My transactions in the last 6 month included entries to XXXX tournaments, a XXXX XXXX, a metal sign that was a XXXX gift and a concealed carry holster ( no XXXX purchase - just a holster ). I have only received payments from XXXX opinion service that pays a few cents for answering surveys. 

I suspect the purchase of the holster was the reason but it's not an illegal item in any state that I'm aware of. 

The paypal reference id is XXXX Please advise
Product: Credit reporting

I have several inquires on my credit report that I did n't authorize. I did n't apply for credit or do any business with these company 's.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to an incorrect late payment entry on my credit file. I have previously communicated about this issue in writing, but the error remains unresolved. The entry incorrectly lists a payment as late, despite evidence showing otherwise. I am attaching images that verify the payment was made on time and highlight the erroneous late payment reported to the credit bureau. I request an immediate investigation into this matter and the removal of this inaccurate information from my credit report. Thank you for addressing this promptly.