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

I trust this letter finds you well. I am writing to express my deep concern and dissatisfaction with the numerous attempts I have made to correct an error on my credit report related to a late open account. Despite multiple requests, the issue persists, causing undue stress and negatively impacting my financial standing. 

Here is a summary of my attempts to address this matter : The continued presence of the late open account on my credit report is not only inaccurate but also unjustly affects my creditworthiness. I have attached supporting documentation for each attempt made to rectify this situation, underscoring my commitment to resolving this matter promptly. 

I request your immediate attention to the following actions : Conduct a thorough review and correction of the late open account entry on my credit report. 

Provide written confirmation once the correction has been successfully made. 

I understand the significance of accurate credit reporting and its direct impact on my financial well-being. Therefore, I expect a prompt and diligent investigation into this matter. 

Failure to address this issue promptly may compel me to escalate the matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

They put inquiries on my credit report
Product: Debt collection

I just had this wrongful debt of {$410.00} removed from my credit report from another agency. It was complaint # XXXX from XXXX XXXX XXXX XXXX XXXX. - they responded with their wrongdoing and apologized and had this debt removed. However. I C SOLUTIONS seems to have been sold the debt and it is now back on my credit report and I am receiving calls again. This has already been resolved and I would like this removed as it is negatively effecting my credit and once again receiving multiple calls and it is interrupting my entire life daily!!
Product: Debt collection

I had originally disputed this debt on XX/XX/2018 directly with XXXX after sending two disputes to the credit bureaus. I went on the CFPB 's website and found a sample letter to dispute this account and request what was needed to dispute & validate the debt. 

I received a very vague response on XX/XX/2018 that did not address or validate everything that I requested. 

Even on the FTC website it states the following : ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless  the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

This was clearly ignored and could be argued that it is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I am reaching out to express my concerns about several issues I have identified with the credit bureau, including unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went online from a borrowed computer to request my credit report from all three credit agencies and have yet to recieve them. I was advised it could not be done online and I would receive them via mail. I do not have regular access to a computer and wanted hard copies sent to me. In order to view and correct issues. It was vital that I receive them in preparation for court.
Product: Credit reporting or other personal consumer reports

Transunion has illegally placed false information on my credit report again regarding XXXX XXXX. There is a direct violation of FCRA rules that Transunion has repeatedly violated. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), credit reporting agencies are prohibited from reinserting items previously deleted from a consumer 's credit report. If the information is reinserted, the credit reporting agency must notify the consumer in writing within five business days of the reinsertion. TransUnion has yet to notify me or their illegal activity .I am providing the information from TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX XXXX XXXX XXXX Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist. 
I have attached a copy of the final payment letter and from what is written they sure they will remove it from my credit report and never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is XXXX to report inaccurate information on an account in accordance with the Fair Credit Report Act. Currently, my credit report shows inaccurate information and a charge-off. I request that these accounts be permanently removed from my credit report since I have not given written permission to have them supplied on my credit report. 

15 usc 1681a2 a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agency. This isif thepersonknows or hasreasonable cause to believe that the information is inaccurate. I request that these accounts be permanently removed from my credit report since I have not given written permission to have them supplied on my credit report. What are the ways in which your company reports CHARGE-OFF ACCOUNTS with NEGATIVE STATEMENT BALANCES and has inaccurate information with different credit agencies?
Product: Credit reporting, credit repair services, or other personal consumer reports

I consistently check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct.This has damaged me and held me back for some time. I'm demanding the CFPB to enforce the correction and/or deletion of these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request from XXXXXXXX XXXX  XXXX for debt validation and the company was unable to furnish evidence that the balance or the account itself was a valid entry.
Product: Debt collection

On XX/XX/2022, I activated service for a new phone, watch and modem. The promotional rate I signed for was not honored and change without my consent. I refused the imposed terms and tried to return the items but was not allowed to. The cite that returns are allowed during the first 2 weeks only. During my time with XXXX, the terms I agreed to were never implemented. I called numerous times asking when will my rate take effect and was told it takes up to 3 months. After 3 months, I was still being charged the wrong amount. I called and XXXX apologized and told me they had made a mistake. The promotion they offered ended the previous day and therefore invalid. They offered a new plan which cost more, and I refused and offered to return all devices. XXXX refused XXXX accept the devices citing the 2 weeks return period and forced a rate I never agreed to. After trying to settle with XXXX unsuccessfully, I involved XXXX XXXX  mediated but XXXX did not change their position or offered any explanation. The account was sold to a collection agency Amsher. I explained Amsher the situation, but they insist on full payment. Furthermore, XXXX has blocked my online profile where all original documents are saved, and I can't retrieve them to use as proof of the unauthorized changes. Simply put, XXXX offered me a great rate which they changed unlawfully and without my consent after the 2 weeks return period. They then forced a much higher rate and gave me no recourse. I am also a XXXX veteran with severe health issues and this situation is imposing a great hardship on me.
Product: Mortgage

We have a home equity loan with CitiMortgage. A few years ago the bank advised that we were in a flood zone and to submit proof of flood insurance. We complied although our first mortgage serviced by XXXX stated we were not in a flood zone but escrowed for us anyway. Now our first mortgage is serviced by XXXX that refuses to escrow for the flood insurance because they state we are not in a flood zone. We would like citimortgage to look at the flood maps in our area and provide proof of the home being in a flood zone because XXXX other banking organizations agree that we are not in a flood zone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX, are reporting an account on my credit report wrong, the name of the creditor is inaccurate, the account was sold to a different company, XXXX is reporting the account as XXXX/XXXX  XXXX, TRANSUNION is reporting the account as XXXX XXXX  XXXX XXXX XXXX   XXXX and XXXX is reporting the account as XXXX  XXXX XXXX XXXX. Please delete the account as it is affecting my credit worthiness, the FCRA says that by federal law everything on my credit report needs to be 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account had fraudulent purchases. A balance of XXXX was created after having a zero balance for more than six months of inactivity. I communicated and created many dispute with the company.
Product: Credit card or prepaid card

I have a bj credit card and the credit card company closed my account with out my approval and know it showing on my credit report and the credit card company dont want to to give me any answer or information they just want me to pay the bill but I never approved for this credit card to be closed the credit card company is comenity bank
Product: Credit card or prepaid card

I have my credit card through Suntrust Bank. My card was stolen and used on XX/XX/XXXX, along with a credit card I hold for my mother for emergencies. The fraudulent user charged {$11000.00} on my card in 4 separate transactions. Three {$3000.00} transactions and one {$2000.00} transaction at a XXXX in XXXX, NC where I was visiting family at the time. The charges on my moms card totaled {$8000.00} at the same location, but hers have been totally resolved.When I realized my cards were indeed lost and stolen on XX/XX/XXXX, I immediately cancelled my card and filed a fraud complaint as did my mom. My bank recently has said that they denied my claim and found me responsible because I participated in or benefited from three transactions. They refused to provided me with any evidence or the full investigative report to prove themselves. I am at a total loss. My credit history does not reflect this kind of spending and besides the fact that these charges were clearly FRAUD, no one from my bank notified me or called me to verify that these unusually high amounts were legitimate at the time the transactions happened. This is unfair and the stress of all of this has greatly affected me. I have since filed a police report and will hopefully be speaking to my case manager soon. I never thought I would have to prove that I am not a thief. Absolutely ridiculous.
Product: Checking or savings account

On XX/XX/2021 in the morning I open the mobile phone bank of America found that being taking {$5000.00} in New York, my bank card is not lost. I in Virginia, I immediately go to a local bank to deal with this case, and then call the police, I waited for more than three months, they give me the answer is my licensing deals, I'm sorry, I ask them to check the bank surveillance video that person not me, they put my end of the case, then I found my identity theft, they and the identity of the I apply for a credit card, steal my phone number, and even the irs examination was stolen, I don't think it's just I met such a thing, I think bank of America has a responsibility to be responsible for the fake bank card to withdraw money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. Please remove them as soon as possible : XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX Balance {$590.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I'm not sure exactly what happened, but I was checking my credit report and noticed several hard inquires or hard pulls posted my credit as shown below. These were supposed to be soft pulls but rather they did hard pulls and it's hurting my credit so much. I called them individually to see what's going on and they said that they are not 100 % sure, and that they only due soft pulls on clients credit. They advice that I need to reach out to the credit bureaus to get those fixed as it can be their internal errors. I'm constantly analyzing my credit so situation like this doesn't happen, but I keep get runaround for months trying to fix it. 

Hard Inquiries information : XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I requested an investigation regarding inaccurate/erroneous items on my Experian credit file that were being reported illegally. I attached a copy of my credit report, I circled the disputed items that I needed deleted. I also included copies of my social security card, drivers license, utility bill to confirm my identity and the reasons why these items should be deleted. On XX/XX/2021, nearly two months after my initial communication with Experian regarding my disputes, which had not yet contacted me ; I decided to visit the CFPB website for help, I then submitted disputes with the CFPB. The Fair Credit Reporting Act states that the consumer reporting agencies have 30 days to complete a relevant non frivolous dispute, in some instances consumer reporting agencies have an additional 15 days to investigate. From XX/XX/2021, to present day over four months since my initial complaint, Experian has violated my consumer rights by failing to complete the investigations of these accounts listed below. 

XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ 2021 after reviewing all three of my consumer reporting files I noticed some inaccuracies. The same day I mailed a certified letter to the U.S. Department of Education/XXXX, along with each of the 3 major credit bureaus ( XXXX, XXXX and Transunion ) challenging the validity of the alleged debts. In addition, I requested the alleged debts be removed from my consumer file since it hadn't been validated by the original creditor ( Myself ). Despite the U.S. Dept of Ed and the bureaus receiving my request as of XXXX XXXX, 2021, I have yet to receive any remedy in regards to this matter. Considering the accounts are unvalidated and are negatively impacting my creditworthiness the investigation into these alleged debts are urgent. Moreover, both the alleged creditor and respective bureaus are in violation of several federal consumer finance laws. For example, Truth In Lending ( TILA ) 15 USC 1605, which defines a 'finance charge '. In short, a finance charge is defined, as the sum of ALL charges in ANY consumer credit transaction. If I understand this correctly, if I'm the original creditor and I extended my credit with the use of my social security number with respect to this consumer credit transaction, according 15 USC 1605 all I would be responsible for is the finance charge. This is a willful violation of my consumer rights. 

Pursuant to 15 USC 1681 ( FCRA ), Congress finds that the banking system is dependent on the fair ( not unjust advantage ) and accurate ( providing value ) credit reporting. Unfair credit reporting undermines public trust in the banking system.
Product: Credit reporting or other personal consumer reports

The CFPB has sued Experian for unlawfully failing to properly investigate consumer disputes. Experian has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that Equifax ignored consumer documents and evidence submitted with disputes and is suing them for {XXXX XXXX  in damages. Equifax has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe TransUnion is in violation of similar federal laws.
Product: Mortgage

I submitted for a loan modification. My income is much more then what is required. Raymond James Bank has had me going back and forth for 6 months asking for documents. I have sent them everything that was asked for. They give me a list of stuff which I send in, then they give me an entire new list that has nothing to do with the prior list. They are playing games with me and many other home owners by continuing to ask for documents and allowing older ones to expire when they have more then enough to review and approve my loan modification. They have done this for 6+ months and now I have a sale date that they refuse to postpone to allow me a proper loan modification review.
Product: Student loan

In regards to the complaint XXXX, Edfinancial has advised me that every time I submit a copy of my license to them, the page is black. I even faxed a photo on the front cover page as well as an 8 '' x11 '' image of my license. Despite Edfinancial being able to read the fax to identify who it was from ( me ) and my account number & social, mysteriously the licenses were somehow just black. 

I tried submitting a copy of it on edfinancial.com however there is no place to do so nor is there any documents available related to fraud. Edfinancial live support is not available and any agent or supervisor I speak with never gets back to me. I am submitting a copy of my license on here similarly to how I submitted my social security card since they were able to read that from my previous case. 

Once Edfinancial receives this image, please submit to the department of education to have these loans discharged.
Product: Credit reporting or other personal consumer reports

Im writing this again because Bounce AI is continuing to collect a debt and the company isn't licensed in the state of Texas. I'm asking that this been take off all three of my reports and any further communication will stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know,, how to my credit cards blocked,, may be Someone use my information,,
Product: Vehicle loan or lease

To whom it my concern : I extended my credit to CAPITAL ONE for a consumer credit transaction on XX/XX/2022. I the consumer and natural person, was denied credit by CAPITAL ONE. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. I as the consumer feel as if I'm being violated under the law of 15 USC 1691 ( d ) ( 6 ) For purposes of this subsection, the term " adverse action '' means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. 
As I have proof that i was discriminated against by CAPITAL ONE due to the response I received. ( see attachments ) I also reached out to CAPITAL ONE talked to auto finance supervisor ( can provide recording upon request ) stated that only if they was able to extend credit to me then it would be considered as a consumer transactions I stated that is a violation under U.S.C 1611 because he is giving out false information willing and knowingly. He stated they only do Consumer Transactions and their decision was accurate on Capital One behalf. From my understanding the transaction that was applied was for a consumer transaction and by me using my social security number I extended my credit to myself. I feel like they also violated me of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I the consumer made an application in good faith but credit was not issued Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of CAPITAL ONE.