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

My debt is currently being managed by a credit counseling agency - XXXX XXXX XXXX. My credit card accounts were all negotiated and new payment terms were agreed upon with all of my creditors. XXXX XXXX  Credit has continuously accepted payment and has agreed to new payment terms, yet has marked payments late each month for the past year. Each time I attempt to reach out to XXXX XXXX via telephone, I am told that they have no record of my calling, of my credit counseling program, or of the new payment terms. I have exhausted all efforts of attempting to resolve this matter myself and would like for all late payments to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consume reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, CFPB I have a problem and believe that my personal and business info may be stolen and I want to get protected 1 ) Today someone tried to change login information and my phone numbers in the online banking with banks : XXXX XXXX, Citi, XXXX and maybe others They have changed my email and phone number to their ( fraud ) My email XXXX Name XXXX XXXX My company : XXXX XXXX XXXX EIN : XXXX We have fixed the login information, but I afraid they have access to my personal info and SSN and need your help. 

2 ) Today I have checked my credit reports XXXX and XXXX  and have found Hard inquiries that I never gave permissions and I afraid that this info may be stolen as well Here is details : XXXX   report : Date : XX/XX/2020 - XXXX  Mtg Date : XX/XX/2020 - Am Rent XXXX  report : Date : XX/XX/2020 - Citibank Na Date : XX/XX/2020 - XXXX  Mortgage Ser I need your help to fix that 3 ) Also, under my business XXXX XXXX XXXX  ( EIN XXXX ) XXXX XXXX XXXXdo I have 7 opened loans but in fact I have just 1 with sellersfunding currently I want to remove others
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXXXXXX XXXX  acount # XXXX opened on XX/XX/year> reporting a balance of {$26000.00} This inaccurate inconsistent fraudulent account is reporting to XXXX transunion and XXXX and is negatively affecting me to obtain a new car loan.according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.I have disputed this account with all 3 credit reporting agency 's and they are reporting incorrect inconsistent incomplete fraudulent information and is violating my federally protected rights under 15u.s.c1681c-2 i demand within 4 business days to block/delete this account.I have filed an FTC report # XXXX XXXX proof I did not open this account.
Product: Checking or savings account

I have my mother 's Power of Attorney for finance and this bank has this information on file. 

I went to XXXX XXXX Arkansas to close out my mother 's safe deposit box and other accounts since she no longer resides in Arkansas. 

I discovered a CD in her safe deposit box. The CD was opened in XXXX. The bank name at that time was XXXXXXXX XXXX In XXXX, the XXXXXXXX XXXX  merged with Bank OZK. I requested info if this CD was cashed out. The bank manager looked into their system and was able to locate a copy of the original CD. When asked if this CD was cased, the manager said she could not locate any information regarding that but stated she assumed it had been cashed. The bank manager would not call anyone to assist in finding this information. Not sure how a bank manager can make a statement about assuming a CD as cashed out. I was unable to get any further information while at the bank. 

Upon returning home, I emailed the customer service dept regarding the concern and requested someone to call. I never received a call. 

I did call the customer service dept and that person stated she was unable to retrieve any documents and said there was nothing she could do. I requested to speak with someone who could assist or the bank 's auditor. The person on the phone said she was unable to assist with that. 

I did call the FDIC who gave this website to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus XX/XX/XXXX XX/XX/XXXX and Equifax ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received byXX/XX/XXXX XX/XX/XXXX and Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been over 5 months from my first written request and more than 3 months since my second written request ( sent certified mail ) and I still have not received any responses.
Product: Credit card or prepaid card

On XX/XX/19 I purchased a prepaid card from XXXX XXXX in the amount of {$500.00}. The card was defective from the manufacturer with a contaminated magnetic strip that would not work at various attempted venders. I called on XX/XX/19 requesting a replacement card and was told by XXXX XXXX # XXXX that a replacement would be received 10 business days. However, the timeframe passed and I'm getting the runaround when I contacted XXXX again and spoke with XXXX XXXX # XXXX. They are fraudulently holding my money interest free and refusing to send me a replacement in a timely manner. XXXX XXXX # = XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On the week of XX/XX/XXXX, I received an alert from my XXXX credit monitoring service indicating that my Target credit card payment for XXXX was not made and as a consequence I had a 30 day late notice added to my credit report. When I went back and checked my payments, I noticed that for the month of XXXX I had made a {$100.00} payment. I immediately called Target and they told me that my payment was short for {$5.00} and that they couldn't do anything about it. They were not willing to help me in any way. I asked them to please review my previous history so they can see that I have never been 30 days past due since I open their account. I explained to them that I recently went back to work full time and that I have been sending my payments beyond the that due date, but we a lot sacrifices I have avoided to be 30 days late. I also mentioned that my job stability could be affected for those {$5.00} and that what they are reporting to the credit bureaus is innacurate. They are reporting that I missed my payment which is not the case. 

What they are doing will affect my current employment and future opportunities as well. I do not think this is fair especially for a customer who in spite of her circumstances has been making payments. This {$5.00} difference has caused a level of damage that is not equivalent to the shortage in the payment which was originated by an oversight. 

My credit is the only thing that will keep me working. Please help me to communicate with Target so they can remove this 30 days notice from my credit report.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXXXXXX  I filed a complaint with XXXX XXXX because I had so many problems with my XXXX XXXX XXXX XXXX. Broken gas tank etc. car was in the shop for days and I felt l could not rely on the car. 

I called in XX/XX/XXXXXXXX  to check on the complaint and I had to file all over again because XXXX " Lost '' my complaint. 

I deferred my payment to XXXX, later they clain they couldn't find the deferment and penalized my credit XXXX points. 

Bottom line is that this car lease and car have been returned and satisfied to XXXX XXXX. 

They penalized my credit again- and I have no idea why? I did not give anyone permission to run my credit. 

I want XXXX to fix this issue and remove it from my credit. Everything has been paid. 

I don't have they car XXXX does.
Product: Debt collection

I received a letter from XXXX XXXX XXXX stating they had investigated a dispute regarding an alleged debt. However, I never submitted a dispute with them. 

Before the debt was sent to collections, I attempted to contact XXXX XXXX multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to resolve the issue, but they never responded. 

After receiving the letter from XXXX XXXX XXXX, I sent them a certified letter requesting validation of the debt, including proof that they have the right to collect, an itemized breakdown of the amount, and clarification of the relationship between them and the original creditor. I have not received a response.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The EXPERIAN and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$6900.00}
Product: Credit reporting or other personal consumer reports

Once more, I find myself a victim of fraudulent activities, necessitating this renewed request for the removal of an inquiry from my credit file linked to an alleged identity theft. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), your obligation is to expunge any such items no later than 4 business days after XX/XX/XXXX. This concern has been previously raised in my prior complaint, and I am reiterating it, appending my new FTC report # XXXX for your reference. Additionally, the information provided regarding this inquiry was previously unknown to me and has already been expunged from other bureaus. I hold reservations regarding its accuracy, specifically referencing the entry from XXXX on XX/XX/XXXX. Consider this complaint as a formal notification ; failure to remove the listed inquiry on my report will result in legal action. I have apprised my attorney of my intentions, and they are prepared to hold you accountable for willful noncompliance. This serves as your final warning. Kindly proceed with the removal of the inquiry resulting from alleged identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit report pulled by xactus for a mortgage loan and they are showing inaccurate information on one of my accounts as being in collection when its not and its hurting my score. The account in question is my XXXX XXXX  account XXXX. This is in violation of the FCRA and needs to be fixed.
Product: Vehicle loan or lease

On XX/XX/18 we purchased a new vehicle and traded in a XXXX XXXX XXXX XXXX who's loan was managed by USBank. Dealership advised the check would be cut within 10 days. On XX/XX/XXXX I called USBank for a status update on the release of my loan and was told initially that the check had not arrived. I went back to the dealership who provided signed copies and signatures that in fact the check had arrived and was accepted. 

I called USBank back and was now told the check had been rejected for insufficient payment. I had a copy of the check and told the agent the amount which was over by around {$100.00} and was again told the amount was insufficient and to have the dealer reissue the check. They did so by overnighting another and gave me the tracking number. 

During this time they cashed the check and when it bounced charged the account fees for this. I called and complained and was told nothing they could do. 

I called back on XX/XX/XXXX to check status of check. Again was told they did not have it but that it can take up to 4 business days to close. I inquired about the payment due that day and cancelled the autopayment after learning of a 10 day grace period as this would be enough time for the loan to clear. 

Instead they cashed the autopayment and told me the overpayment would be sent to the dealership and not me since they paid the loan off. I called my bank and ordered a stop payment as at this point the loan was still overplayed but was now overpaid plus an additional installment. 

Again USBank charged me not only a returned payment fee but now 2 separate late fees. 

Again I called and was told now the account needed {$58.00} to close since it was XX/XX/XXXX and between interest and late payments the account was legitimately short. I demanded the late payments be waived, they declined. I paid the amount and began the complaint process. 

Upon questioning the dealership they apologized profusely and offered to pay the late fees and stated this is a common practice with USBank and they explicitly stopped all loans to them for this reason. 

These people are thieves and never have I had such a problem closing out an auto loan in my life!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Experian, regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I discovered discrepancies in the following account ( XXXX ) : XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Checking or savings account

XXXX day I tried to login to my Laurel Road account online and it said it had been locked. So i had called to see why and to try to fix it. They said I would have to create a whole new account and that the funds would be transferred over. I tried to do that and it didn't allow me to do so. I currently have XXXX  of dollars sitting in that account and can't do anything about it according to them. It's been since XX/XX/XXXX I have been unable to access this account and my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has inaccurately reported late payments on my consumer report. This account contains a finance charge, which is the sum of all charges, therefore the account was paid in full the moment it was opened. I am the original creditor who has granted these creditors the right to extend my credit back to me and they are attempting to say my payments were late. I've also filed a fraud report stating that these alleged late payments were all unauthorized during the months they were late and they still refused to update these payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disagree with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

In addition this agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692gFurthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 

In addition I have provided documents showing XXXX  Account Number : XXXX Has been paid in full and I have updated the payment history and title of the automobile title. I am annoyed and outraged at your accusation and I have researched my rights in regard to my credit file. Please expedite my original request immediately.

Per law you must honor 15 U.S. Code 1692g - Validation of debts. I find that either you unmoral or youre not familiar with the law therefore below is a definition.
Product: Debt collection

I moved to XXXX from XXXX in XXXX I open a Cable link with XXXX company in XXXX XXXX XXXX in a lease rental vacation Home. 

I was not happy with the Tv channels, so i cancel the TV channels on XX/XX/XXXX and returned their Equipment. I kept the Internet connection for my work. 

I moved from XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX in XX/XX/XXXX. I closed the Internet account with XXXX and paid the balance owe of XXXX dollars and returned the internet modem equipment to their XXXX XXXX XXXX  branch. I was told My balance was paid in full since I only had the internet only. 

i been getting harrasment calls from debt collectors at my work phone, and got a message from my credit reporting company XXXX. The collection company has included a back mark on my Credit report for {$88.00} Dollars. This debt does not belong to me and should not be in my credit report, XXXX and Credit management LP in XXXX Texas creditor account XXXX Refrence XXXX This debt is not mine, I have try talking with XXXX  and they wont talk with since the account is closed. Not my debt, collection Company has ruin my credit. 

I need your help
Product: Debt collection

Recently received a credit report from XXXX which reflected a Santander XXXX account opened in XX/XX/2013. I have disputed this account in the past to no avail. It is my belief that the creditor is now taking steps further to intentionally report false information about me in order to keep this zombie debt on my credit file. The delinquency dates and repossession dates are being fraudulently changed by the creditor!
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed a copy of my credit report via XXXX in XX/XX/2020 and I noticed an account, listing as collections on my credit report and I do not have a collection account. The account that is listed on my credit report in the name of XXXX XXXX and has an amount of {$4700.00} balance that I PAID and DO NOT OWE. 
I wrote XXXX  and Experian on XX/XX/2020 and asked them to please remove this negative reporting from my credit report and they refused to remove it.
Product: Debt collection

XXXX was billed by the XXXX XXXX XXXX XXXX in Delaware and the debt was sent to Revenue Collect. The case ID # is XXXX and the total amount due is {$1600.00}.
Product: Credit reporting or other personal consumer reports

Experian and XXXX continue to report a bankruptcy that is not valid. XXXX states they have deleted this information due to it being incorrect so how was it that the credit bureaus verified this information? I would like the credit bureaus to provide the evidence they have used to validate these bankruptcies.
Product: Checking or savings account

Hello the bank has took all my fund and I have ask for a copy of all my transaction since I have open my accounts