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

I had XXXX for XXXX on XX/XX/XXXX. XXXX accidentally denied my claim as filed by the XXXX. I asked XXXX XXXX XXXX and XXXX XXXX XXXX to refile with XXXX as I did have coverage until XXXX. They did not. After months of asking and not getting anything done, XXXX XXXX XXXX turned my account to Synerprise Consulting for collection. After dealing with them with no results, they turned me over to XXXX. On XX/XX/XXXX, XXXX paid more than the amount on my account. I sent copies of XXXX  to all parties by email as requested. Today, XX/XX/XXXX, XXXX says my debt is verified as correct. I sent by certified mail the XXXX and a letter from XXXX to all parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX XXXX XXXX  Balance : {$7100.00}
Product: Credit card or prepaid card

I paid the entire balance due of {$3000.00} on my credit card on XX/XX/XXXX. On XX/XX/2023, Bank of America took {$1800.00} directly out of my checking account to pay the balance that was listed on my most recent statement ( XX/XX/2023 ). My balance due was {$0.00}, and had been for nearly 2 weeks at the time BOA took my money. When I contacted them by phone, they said they could send me a check for the credit on my account and it would take up to 10 business days for me to receive it. I then contacted the office to close my account and was told it could take XXXX business days OR MORE to receive the refund of the money they stole from me on XX/XX/XXXX. 

The bank claimed that because I had " autopay '' turned on, that they were authorized to take the amount that was due on my most recent statement, EVEN THOUGH I HAD PAID THE BALANCE IN FULL 2 WEEKS PRIOR. Now, BOA can earn interest on MY money they took from me without my authorization - money that I did not owe them. If this is a loophole in their business practices, this needs to be closed. Thank you!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX/XXXX  || Date of inquiry : XX/XX/XXXX XXXX  XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXX || Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I have XXXX single address on my report. I've been updated my addresses that were tied to these illegal fraud collections and accounts. These needs to be removed asap!!! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684, 1692g these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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 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, or personal loan

They stated the loan was mine but that's impossible I was in the hospital dealing with XXXX XXXX and XXXX XXXX as I had my eye removed at XXXX XXXX XXXX XXXX XXXX MD on the date dates I was told I applied for loan.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX for failure to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ) and Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ( b ) ) regarding inaccurate and unverifiable information on my credit report. Despite multiple disputes submitted to XXXX, these erroneous collection accounts remain on my report, and the bureau has failed to provide proper verification or remove the disputed items. 

Legal Basis for Complaint : Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) Under the FCRA, XXXX is required to conduct a reasonable investigation into disputed information within 30 days of receiving a dispute. The burden of proof is on the data furnisher to verify that the information is accurate. 

XXXX failed to properly investigate my dispute and instead responded with a generic response, stating that the disputed items have been " verified '' without providing any supporting documentation. 

Failure to Provide Verification Documents ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Upon verification, XXXX is required to provide me with a written notice containing the method of verification used to confirm the disputed account. 

No such documentation has been provided, making it impossible for me to verify the legitimacy of these accounts. 

Reporting Inaccurate and Outdated Information ( 15 U.S.C. 1681c ( a ) ) Some of these collection accounts contain incorrect balances and statuses, yet XXXX refuses to correct them despite factual documentation submitted with my dispute. 

Reporting unverifiable and inaccurate negative information is a direct violation of the FCRA. 

Failure to Remove Unverified Debt ( 15 U.S.C. 1681s-2 ( b ) ) Credit bureaus must delete or correct disputed items if the furnisher fails to provide sufficient verification. 

Since the collectors ( XXXX XXXX XXXX, XXXX. XXXX, LVNV Funding LLC, and XXXX XXXX XXXX  XXXX, XXXX  ) have not provided legitimate documentation proving ownership or validation of these debts, XXXX must delete them from my credit file. 

Violation of Debt Validation Rights Under FDCPA ( 15 U.S.C. 1692g ( b ) ) Collection agencies are required to provide validation of the alleged debt if a consumer disputes it within 30 days of first contact. 

I requested validation directly from XXXX. XXXX  and LVNV Funding LLC, but they failed to provide any proof that I owe these debts. 

Since the accounts remain on my XXXX credit report without proper validation, they should be removed immediately per the FDCPA.
Product: Credit card or prepaid card

XX/XX/2018 ( just now ) I applied for a XXXX XXXX XXXX Consumer Credit Card under the promotion I would receive {$45.00} credit on a purchase today, over {$45.00}. I followed the prompts, applied, was accepted. One of the conditions of the promotion was that I make a purchase today with the new card. However that was not possible. I did not have a credit card number and nothing in the checkout or my account allowed me to use the new account. I called ( XXXX  ) XXXX, XXXXXXXX XXXX Consumer Credit Customer Service. The answering operator gave me some double talk so I asked to be escalated and spoke to a manager. They could not give me the means to comply with the terms of the promotion so I canceled the card. The XXXXXXXX XXXX Escaltion Operator said she would make a note of this on my account but refused to give me anything in writing to that effect and did not guarantee that would allow me to meet the terms of the promotion. Meanwhile I received an email from my credit reporting service that my credit score dropped 20 points from this inquiry and the resulting change in credit parameters.
Product: Credit reporting

Dear TRANSUNION I 'm writting to you Once again Inference to some Unverified items on my credit File but you keep failing to do so. TRANSUNION I 'm fully aware of the Federal Law. yourself and The creditors are not following THIS FEDERAL LAW. the way this law is sit up is that you The reporting agencies should have the consumers Orginal signed documents in your physical possession I have asked you to please provide me a copy of the followings documents with with my signature attached to it. XXXX I know you DO NOT KEEP THIS INFORMATION ON FILE AS YOU HAVE TOLD ME MORE THAN ONCE. BUT HOWEVER THE FCRA 609 ( A ) ( 1 ) ( A ) CLEARLY STATES THAT AT THE CONSUMER REQUEST YOU MUST I REPEAT MUST PROVIDE THAT PHYSICAL AND LEGAL CREDIT CONTRACT. IF YOU ARE NOT ABLE TO PROVIDE THAT INFORMATION IT STATES THAT THE ITEMS MUST BE DELETE. HERE IS THE THING IN WHICH SO MANY CONSUMERS DO NOT UNDERSTAND BUT I DO YOU ARE NOT A FEDERAL AGENCY AND YOU ARE NOT ALLOW TO REPORT ANY INFORMATION ON ANY CONSUMER WITH OUT THAT SIGN CONTRACT YOU ARE BREAKING THE LAW AND I DEMAND THE FOLLOWING ITEMS TO BE DELETED FROM MY CREDIT FILE IN ORDER SO I 'M ASKING YOU RIGHT HERE RIGHT NOW TO PLEASE REMOVE THESE NEGITIVE ITEMS ASAP XXXX XXXX XXXX LATE PAYMENTS XXXX XXXX LATE PAYMENTS XXXX LATE PAYMENT AND ALL CREDIT INQUIRES THAT IS OVER 30 DAYS OLD. I request this deletetion ASAP
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and dissatisfaction with the numerous unsuccessful attempts I have made to remove fraudulent items from my account. Despite my continuous efforts and clear evidence supporting my claims, these fraudulent items persist, and it is imperative that they are promptly addressed and rectified. 

I discovered several unauthorized and fraudulent entries associated with my account. These entries include such as unauthorized inquiries, inaccurate address and collection accounts. 

Upon discovering these fraudulent items, I immediately initiated a dispute through your official channels, providing all necessary documentation to substantiate my claims. I explicitly requested that these fraudulent items be removed from my account. 
Unfortunately, my initial dispute did not yield the desired results, and the fraudulent items remain on my account. I have subsequently made multiple attempts to dispute these items, each time providing additional evidence and adhering to the proper dispute process, as outlined by your organization. 

In addition to submitting disputes through your official channels, I have reached out to your customer support on numerous occasions, seeking assistance in rectifying this situation. To my dismay, I have not received any meaningful resolution or assistance from your support team. 

The continued presence of these fraudulent items is causing significant financial and emotional distress. It is not only affecting my credit score but also damaging my trust in your organization 's ability to safeguard my financial information. 

I demand immediate action to remove these fraudulent items from my account, conduct a thorough investigation into their origin, and update my account history accordingly. I also request written confirmation once the fraudulent items have been successfully removed. 

Failure to address this matter promptly not only jeopardizes my financial well-being but also undermines the trust I have in your organization 's commitment to protecting my sensitive information. I am asking for your immediate assistance to remove these following fraudulent items : MO CHLD SPRT XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX MO CHLD SPRT XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$90.00} XXXX XXXX MO CHLD SPRT XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$130.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a settlement agreement with EXETER finance. When I received this settlement offer I called Exeter and spoke with a XXXX agreement customer service XXXX at Exeter and she informed me that if I accepted the settlement offer the account balance would immediately be updated to XXXX as that is the XXXX XXXX total balance we agreed on in the settlement, and the account would be reported as closed with the XXXX paid in full. I accepted the settlement agreement, signed the contract and paid the XXXX in full on XX/XX/2023. I even contacted Exeter via customer support email to make sure the correct reporting would be updated to the account by the next reporting which should have been XX/XX/2023, the representative assured me that the account balance would be updated to XXXX and the account would be reported as closed, she also sent me a receipt via email to confirm they received my payment. I see on my XX/XX/2023 report that Exeter finance reported to XXXX the incorrect balance of XXXX and an incorrect charge off reporting. That is completely against our settlement agreement and this is a clear violation of my rights to accuracy, privacy, and fairness and inaccuracies on a credit report can hurt my opportunity at credit. The actual balance I owe is XXXX according to the settlement agreement, the XXXX was paid in full on XX/XX/2023, the account is supposed to be reported as closed and paid. I have submitted numerous disputes recently about this inaccurate account reporting issue, this is NOT an opportunity for re-investigating anything this is simply me notify Exeter XXXX XXXX to update the account information on my credit report immediately after receiving this letter or both companies will be held liable XXXX to me for every FCRA violation committed regardless of intent you will be held liable to me for statutory damages for violating 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered an account that does not belong to me and is a result of identity theft. This fraudulent account has already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. I contacted the company associated with this account via phone call, and they have confirmed that the account was fraudulent and have removed it from their records. Despite this, the account remains on my credit report with your bureau. 


XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Ditech began mis-applying my twice monthly payments as principal-only and showing my monthly payment as unpaid, accruing late fees. They accepted and properly posted these payments in XX/XX/XXXX and XX/XX/XXXX but inexplicably began posting these as principal-only in XX/XX/XXXX. They have since applied late fees and despite three calls to customer service over the past week, have not corrected the error. I am also receiving robocalls from Ditech every weeknight telling me to call Ditech but without any ability to talk to a live customer service agent. These calls are placed after their customer service hours, so I have to wait until the following day to contact them.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In late XXXX my identity was stolen and I called Exeter finance to find that the person who had stolen my identity, XXXX XXXX, had applied for and been approved for a loan with Exeter Finance. At the time I was assured that the loan would be stopped before it went through and nothing would show up on my credit report. While talking with Exeter, a representative from XXXX XXXX was on on line and can attest to all of this conversation. The conversation was also recorded. I then submitted a police report to Exeter finance attesting to the fact that my identity had been stolen and that the loan was fraudulent. 

About one week later, I received notification that there was a new line of credit on my credit report for {$29000.00} with Exeter finance. At that time I called again and was assured that the line of credit would be removed from my credit report and I would not ever be asked to pay money as the financing was fraudulent. The car was never received because the co-applicant, XXXX XXXX, returned the vehicle and admitted to using a stolen identity to attempt purchase. The car dealership in question, XXXX XXXX XXXX, confirmed that they returned payment to Exeter finance and assured me that this had already occurred. 

On XX/XX/year>XXXX  I received a bill from Exeter finance in the amount of {$740.00}. The contract number is XXXX. I called to request that it be cancelled and removed from my report and was told that I needed to resubmit my evidence of Fraud despite the dealership cancelling and repaying the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting lates in XX/XX/18 and XX/XX/18 on the XXXX XXXX account number XXXX. ( Please see page 7 of the attached credit report. ) I traded this vehicle in to XXXX XXXX in XX/XX/18. I no longer have this vehicle so it would be impossible for me to have had late payments in XX/XX/XXXX and XX/XX/XXXX when the vehicle was traded-in XX/XX/XXXX. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Credit reporting or other personal consumer reports

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX OF XXXX - XXXX - XX/XX/XXXX - {$130.00} Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Please check the Payment History, Balance, Date of Last Activity, Date of Last payment and Status information on this account and adjust accordingly. Below is the account that is reporting on my Credit Reports needs to correct as soon as possible : XXXX XXXX XXXX : {$270.00} Late Date XXXX ] XX/XX/22 [ XXXX ]
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am contacting you regarding Experian and the reporting on a XXXX XXXX account XXXX it is listing a balance on a charged off account and that isn't correct since the account was charged off. It was a part of my ID theft since 2016 and it has been a pain for many years now. I wish Experian would treat me fairly and do what is right and not continue to ignore me. Also the account is now time barred and should be deleted and is listed twice on my credit report. I have contacted Experian several times and at times receiving no response only to feel ignored. The last response I received was telling me that they would not investigate the account anymore and by law they must investigate as many times as I request. The tactic of trying to say it was not me was disappointing and disheartening for I sent them my Drivers License, a copy of my social security card, and my Federal Trade Commission Affidavit. It was exhausting and I gave up. The account in discussion is inaccurate and I am requesting that it be removed to prevent further defamation and damaging of my credit worthiness. 

I have contacted the data furnisher and the do not respond to me yet Experian ignores my request and avoids deletion from my records. 

The account is now time barred!
Product: Credit reporting or other personal consumer reports

Letter was sent to transunion on XX/XX/XXXX, No response was given Second letter was mailed out XX/XX/XXXX No response was given. XXXX XXXX  XXXX  account is being reported inaccurately. XXXX has already removed the collection due to inaccuracies. TransUnion will not respond or do proper investigation into the collection account. Account was also disputed online and was under dispute for 3 months with no information or updates and was found verified but no verification was given to me.