23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX VA XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states account type as an open account, account status as open, and payment status as late 120 days. I have enclosed a copy of my credit report showing proof. 

Per violation, you are reporting an account as open, but its late 120 days, which you never received no payment from me, not only you are reporting inaccurate information, but you are also reporting an account that you have no legal right to collect. 

Per XXXX  reporting and Experian, it states account status as derogatory, balance as XXXX, and payment status as collection/ charge-off, how is this possible, you are reporting payment status as collection/charge-off and other as late 120 days. Per violation, you can not report different information between credit agencies, which make the information invalid, delete per violation. 

I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt. 

Based on US contact law, I should only pay the original company and do not have to pay the collection agency. 

By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering. For your records and proof, I have enclosed a copy of the credit reporting. 

Delete this account from my credit report immediately, or I will seek legal action. 

Do not send me copies of credit card statements, as this do not validate the right to collect
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 DEPT OF ED XX/XX/2023 DEPT OF ED XX/XX/2023
Product: Credit reporting or other personal consumer reports

I have sent multiple rounds of dispute letters to XXXX and Equifax regarding numerous inaccuracies on my credit reports, including incorrect payment statuses, discrepancies in late payment counts, and unauthorized hard inquiries. Despite providing detailed documentation, including evidence of payments and timelines, both credit reporting agencies have failed to properly investigate or resolve these disputes. 

Some disputes were marked as " frivolous '' without valid justification, and the agencies did not provide sufficient evidence to support their findings or corrections. This failure to act in compliance with the Fair Credit Reporting Act ( FCRA ) has caused significant harm, including damage to my credit score and emotional distress. 

I requested the following from the companies : Documentation verifying the accuracy of the disputed accounts. 
Statements of payments made and missed. 
Proof of investigation results and decisions made regarding my disputes. 
To date, neither XXXX nor Equifax has adequately addressed these requests. They have failed to comply with their legal obligations under the FCRA, particularly Section 1681o, which requires reasonable measures to ensure the accuracy of credit reports and proper investigation procedures. 

I seek the following resolution : A thorough reinvestigation of all disputed items with written confirmation of the results. 
Correction or deletion of inaccurate or unverifiable information from my credit reports. 
Proof of compliance with FCRA requirements for each disputed item. 
I request that the CFPB intervene to ensure these companies comply with the law and address my disputes promptly.
Product: Credit card

I rented a car using my Barclays AAdvantage Red Mastercard ( XXXX, DE ). The original transaction with XXXX XXXX XXXX XXXX XXXX XXXX occurred in XX/XX/XXXX. 
On XX/XX/XXXX, an amount of {$16.00}, XXXX appeared on my credit card statement. It was listed as generated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed the transaction with Barclays as I had not authorized the transaction. I contacted XXXX XXXX XXXX XXXX XXXX XXXX and informed them of the amount. Their resolution department stated that the amount charged to me was fraudulent and I needed to contact Barclays and initiate chargeback procedures. I contacted Barclays fraud department and the amount was removed from my credit card. It was then charged again on XX/XX/XXXX. The full amount is due on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Follow-Up on Complaint XXXX Violation of the Fair Debt Collection Practices Act ( FDCPA ) and Failure to Act by Experian I previously submitted a formal complaint on XX/XX/2024, regarding a debt claim made by XXXX XXXX XXXX concerning an account with XXXX XXXX in the amount of {$270.00}. Despite my requests, XXXX XXXX XXXX has failed to provide sufficient documentation to substantiate the alleged debt. Additionally, Experian has failed to take appropriate action to address and remove this inaccurate information from my credit report within the required legal timeframe. 

As outlined under 15 U.S. Code 1681c-2, consumer reporting agencies are required to block fraudulent or disputed information no later than 4 business days after notification. Your failure to comply with this requirement and provide sufficient evidence constitutes willful noncompliance under 15 U.S. Code 1681n.

Impact of Your Noncompliance : Due to your failure to address this issue, I have suffered damages, including but not limited to : Lower credit score : Leading to credit denials and unfavorable financial terms. 
Emotional distress : Caused by the ongoing presence of inaccurate information. 
Financial harm : Resulting from credit denials or unfavorable terms for loans and credit lines. 

I am requesting : 1. Immediate removal of the inaccurate information from my credit report.

2. If this information is not removed, I will pursue legal action to recover damages, including statutory and punitive damages, as well as attorneys fees.

Furthermore, I invoke Estoppel by Silence, as the failure to respond within the legally required timeframe strengthens my presumption that no valid debt exists. If this matter is not resolved promptly, I will take legal action under 15 U.S. Code 1681n. 

I expect your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

Companies in question are XXXX XXXX and XXXX. 

I have a closed account with XXXX XXXX from almost 8 years ago. This went to collections. The first missed payment was in XXXX of XXXX. Almost 8 years have passed and its still appearing on my credit report. Additionally, the dates on the report have been changed, and shows the first missed payment as happening in XXXX of XXXX. All dates prior to this are listed as ND for No Data. I never entered into a contract with the collecting agency XXXX. 

Againthe first missed payment was XXXX, well beyond 7 years. This should no longer be reported on my credit report. I have attached documents related to the first missed payment ( via email due to paperless billing. ) Additionally, I have attached a statement from the collections agency stating the XXXX had passed in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with TransUnion. The company will show something wrong and I file a dispute. While my dispute is pending, suddenly other information will appear and be wrong dropping my credit score more, and I cant even dispute it because I have to wait for the first dispute to be resolved. TransUnion has continued to do this to me for nearly a year, after I paid my debts and received a XXXX credit score. I  currently have a dispute where I opened an acct with XXXX XXXX in XX/XX/XXXX and paid it in full by the XX/XX/XXXX ( within 2 wks ) before the very first payment was even due, however TransUnion shows I still owe that bill and owed it since XX/XX/XXXX now theyve brought up closed accts and placed them as loans AGAIN dropping my credit score. My student loans were consolidated and taken over by XXXX, and I do not owe any payment to XXXX I have proof, but TransUnion listed XXXX as ANOTHER loan ADDING to my loans and stated I have a monthly payment, dropping my score again and again I can not dispute it bc I have to wait until the first dispute it resolved. Im going to follow protocol and then, hire a lawyer and sue TransUnion.
Product: Money transfer, virtual currency, or money service

I can't access the chime mobile app because my phone got stolen so I don't have access to my phone number which gives me access to my account. Also the phone that I got to replace my old one isn't compatible and won't let me download the app anyways on top of that this stupid credit builder card I had is gone don't know where it's at so I had to order a new one it's going to take over XXXX weeks for me to get that card and then every time I try to figure something out they can't do it everything I've suggested they find a way to make it overly complicated for no reason now I have a temporary phone number on an app that uses Wi-Fi only that's the only way I can get this thing to work right now and they found another issue I can't download a picture of my ID because the app that I'm using for a phone number won't let me and then they keep hanging up on me repeatedly I've called customer service XXXX XXXX and XXXX just continuously hang up on me so I'm ready to XXXX every single one of these individuals individually I'm beyond XXXX they don't give a XXXX at all they got their heads up their XXXX and their egos way too big that company is be put back in its place where it belongs it's XXXX problem after the other after the other after the other with them and they don't fix any of it they just make it worse they find another reason to have a problem they have screwed me over daily for the past week
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dear XXXX, Please be advised this is my SECOND WRITTEN REQUEST. 

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you haven't stated who verified these accounts. 

XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX. 

You have NOT provided me a copy of ANY original documentation required under the SECTION 609 ( a ) ( 1 ) ( A ) & SECTION 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and SECTION 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 



Thank you for your time, XXXX XXXX To Whom It May Concern, These accounts are reporting TWICE, I am writing to dispute a discrepancy that I have discovered in the PAYMENT HISTORY section of my credit report related to the following charged off account : Account Name XXXX - Account Number XXXX Account Name XXXX  XXXX Account Number XXXX Account Name XXXX  XXXX Account Number XXXX I have noticed that this account is still being reported as having a payment history each month when it should not since despite this account is being charged off. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. 

As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. 

Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. 

Thank you for your attention to this matter. 

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

I refinanced my house last year XX/XX/XXXX. I had several accounts in collections. 
Every account was paid in full. The reporting agencies, will not correct mistakes, and the particular company that is listed 3 times on my credit report, with the same account number, WHOM Had initially sent updated information to the credit bureaus on XX/XX/XXXX, and again on XX/XX/XXXX. Experian told me that they did not receive any letters from them, but they have the information that I had previously disputed this.. 
I have been struggling for several years to get this cleaned up. My credit score in close to the same after paying all my debts. ( I had more than 10 accounts in collections. ) I have paid all my accounts on time for over 3 years, refinanced my house, bought a car. Corrections are very difficult to resolve. Specifically the account on my credit reports is Account number XXXX. From XXXX/XXXX XXXX, XXXX XXXX and XXXX XXXX. ( ALL SAME ACCOUNT ) On my credit report, it has this ONE account listed 2 times on closed accounts, AND ONE account listed says BAD DEBT/ CHARGE OFF. ANOTHER same account listed right below says PAID. then, they have this same account in collections. Please help me resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion LLC Consumer XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX To Whom It May Concern : I am writing to dispute several accounts on my credit report that are being inaccurately reported, which violates the Fair Credit Reporting Act, 15 USC 1681b, that defines the permissible purpose of consumer reports. According to the Fair Credit Reporting Act, 15 USC 1681 ( 2 ) ( a ) ( j ), exclusions from a consumer report should be removed. 

The following information is incorrect : Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX, resident type : single family Address : XXXX XXXX XXXXXXXX XXXX  XXXX, IN XXXX, resident type : single family Address : XXXX XXXX XXXX, IL XXXX XXXX resident type : single family Address : XXXX XXXX XXXX XXXX, IL XXXX XXXX resident type : single family Address : XXXX XXXX XXXX XXXX, IL XXXX, resident type : single family Address : XXXX XXXX XXXX XXXX, IN XXXX, resident type : single family Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX, resident type : single XXXX XXXX number XXXX ( XXXX ) XXXX, cellular Phone number : ( XXXX ) XXXX, residential Employers : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Name variations : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX investigate and make necessary corrections to my credit report XXXX I have attached a copy of my identification as well as any other relevant documentation to support my dispute. 

Thank you for your prompt attention to this matter. 

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

On XX/XX/XXXX, I contacted TransUnion about the following incorrect information on my credit report. To this date they have not responded. 


The following account is not mine XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$4500.00}, Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) Please remove it from my credit report. 
The following account is not mine XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$560.00}, Original Creditor : XXXX XXXX XXXX XXXX ) Please remove it from my credit report. 
The following account is not mine XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$2600.00}, Original Creditor : XXXX XXXX XXXX ) Please remove it from my credit report. 
The following account is not mine XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX, Balance : {$130.00}, Original Creditor : XXXX XXXX XXXX XXXX ) Please remove it from my credit report. 
The following account is not mine XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX, Balance : {$120.00}, Original Creditor : XXXX XXXX XXXX ) Please remove it from my credit report. 
The following account is not mine XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$24000.00} ). Please remove it from my credit report.
Product: Credit card or prepaid card

On Sunday, XX/XX/2023, I logged into my CashApp account using the application and received a notice stating that my account had been closed. No warning just a notification stating that I violated the terms and agreements, after clicking on the link to see if it would give me additional details as to what I may have done, nothing clarifies why my account was closed. So, on on XX/XX/2023, I went through the customer support chat to ask what I did to violate the terms and agreements and if they could provide with that additional information or proof, the person in the chat only repeated what was on the notification which was a general/broad explanation, " you've violated the terms and agreements of Cashapp, that is why your account is closed... I don't have specific reasons why, but you can view our Cash Terms of Service. '' and once again was provided a link of the terms that I had already read prior to starting the chat. I then escalated the situation to a manager/supervisor, unfortunately, he was not able to give me any specifics for the closing of my account and didn't offer to reopen it. I've only used my account for personal situations ; sending money to family and friends in cases of emergency and to those who perform services on myself and family members, such as personal upkeep.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on accounts that I was never late for. 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 the accounts ( XXXX ) : ( XXXX ) and ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how it got there. I routinely check my report, but this time, unexpected discrepancies appeared. I even refreshed my browser, hoping it was a glitch, but the issue persisted. This situation is extremely frustrating, and I need the documents I submitted to be reviewed carefully so I can finally have peace of mind.
Product: Debt collection

Company first contacted me two weeks ago ( XX/XX/2022 ), did not provide any information in the initial call and did not provide written notice within 5 days as legally required. I immediately provided them my mailing address and still have not received any written notice addressed to me. Instead, they have sent unsolicited mail to my address with someone else 's name on it, which I received yesterday ( XX/XX/2022 ). I believe this is an intentional and malicious business practice intending to take away my legal right of notice and my right to dispute debt not owed.
Product: Mortgage

For the second time in two years, my mortgage servicer, Dovenmuehle , Inc, has manipulated my account to manufacturer an escrow shortage. I believe Dovenmuehle does this as a pretext to jack up my monthly mortgage payment upon executing their next escrow analysis, due to occur in the month of XXXX each year. 

According to an email I received from an Escalation XXXX, XXXX XXXX on XX/XX/XXXX, she claimed that Dovenmuehle does a check of the balance due, BEFORE issuing payment. This statement, however, is false. Although I provided proof that there was an overpayment of my taxes via granted access to a shared folder on my XXXX XXXX account, XXXX XXXX claimed to not be able to open it. Which again I believe to be false. 

Additionally, the overpayment in the amount of {$1800.00}, was claimed to have been disbursed on XX/XX/2023. However, as of today ( XXXX ) 15 days later, no such payment in that amount has been received and applied to my property taxes by the XXXX XXXX XXXX XXXX and XXXX Collector. 

According to my property tax payment portal, there is a current balance due in the amount of {$1100.00}. If not paid in full by XX/XX/2023, two days from now, my taxes will be considered late and levied with a penalty. 

By now, Dovenmuehle 's payment should have been received, and applied, and a surplus credit of {$650.00} should be revealed on my account balance. However, as it stands now, the overpayment has not been received from Dovenmuehle. Thus, I am unable to discuss the matter with the XXXX Collector to discern how and when I will receive a refund of the surplus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a dispute. DO NOT DELETE AS A DISPUTE. THIS IS A REPORT DISPUTE REGARDING XXXX.ACCESSING MY CREDIT REPORT IN A MALICIOUS MANNER THAT MAY CAUSE MY CREDIT SCORE TO FLUCTUATE NEGATIVELY ..... PLEASE REVIEW THE ATTACHMENTS WHERE XXXX HAS REPORTED TO MY CREDIT FILE OVER 25 TIMES REPORTING BOGUS DATA AND THE NEXT DAY REMOVING IT, THEN AGAIN THE NEXT DAY UNTIL THEY HAVE REPORTED BOGUS ENTRIES AND IS CAUSING ME DAMAGES EACH DAY.