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

I applied to refinance the remaining balance of a 2nd mortgage ( XXXX XXXX ) in XXXX which was denied due to incorrect information being reported from primary mortgage lender. I continue to make payments and have never missed a payment but in XXXX XXXX charged the account off as a bad debt. My credit accounts should reflect, " charged off, paying as agreed, '' but does frequently does not. XXXX has been contacted regarding this issue at least twice, once inXX/XX/XXXXand once inXX/XX/XXXX. 
In a letter dated XX/XX/XXXX in response to my letter to XXXX regarding inaccurate reporting, XXXX stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect account reporting as charged off, paying under a partial payment agreement. 
In a letter datedXX/XX/XXXX in response to my letter to XXXX regarding inaccurate reporting, XXXX stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect Account reporting as charged off, paying under a partial payment agreement with all credit marks removed after the charge off date inXX/XX/XXXX 
I applied for a mortgage loan inXX/XX/XXXXof this year and was approved for same pending appraisal and final underwriting. I am now in receipt of a loan denial because XXXX is still reporting an inaccurate charge off date and is not reporting that the loan was charged off and paying as agreed. 
XXXX was contacted via USPS and via CFPB, according to XXXX they are reporting to that credit bureaus that my account is " charged off and currently paying under a partial payment agreement '' and that "XX/XX/XXXX is the charge-off date. '' The letter went on to say that the problem lies with the credit agencies.
Product: Credit card or prepaid card

Purchased card on XX/XX/2022 at XXXX at XXXX XXXX XXXX XXXX in XXXX, Connecticut at XXXX XXXX. Went outside ( XXXX ) to order XXXX XXXX XXXX for Saturday XX/XX/2022 and card was denied. Was told by XXXX XXXX XXXX that I needed to call day of in order to use the gift card. On Saturday, XX/XX/2022 at XXXX, I tried to place an online order but was denied again. I called in the order when they opened at XXXX XXXX  and the card was declined again. Later on ( XXXX XXXX ) after our gathering, I placed a call to Vanilla Gift Cards Customer Service ( XXXX ) and had them look into the issue. The gentleman explained to me that the card had a pending charge of {$60.00} to a gaming company ( XXXX  ) in XXXX XXXX, Nevada that took place on Friday XX/XX/2022 at XXXX. I told him that I did not make that transaction and he took the number down and in seven days to call back and the issue would be resolved. I called back on Sunday XX/XX/2022 at XXXX XXXX to find out if the issue was resolved and was told by the Customer Service representative that it was never filed. She asked me the same information then told me that they would send me by email a form asking me the same questions and it would take 45 days for the company ( XXXX ) to respond and it would take a total of 90 days for another card to be issued if indeed they could recover the {XXXX}. I don't understand how this company can do business without it insuring that issues like this don't happen consistently and how they are not investigated for such things? I don't understand how the online gaming industry is not investigated for these issues either? There needs to be some kind of protection for the consumers. Now I have to wait 90 days to get my hard earned money back and that's even if I can, is ridiculous.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX 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, XXXX, Experian. 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, XXXX, and Experian. 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 XXXX, XXXX, and Experian 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 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is stating on my credit report that I have 1 late payment but I never been late and all my accounts are exceptional payments history 100 % I have called and ask politely if they can removed the 1 late payment comment on my report because its inaccurate information when creditors pull my credit it state that I have a late payment delinquency. I dont think its fair that this mistake was made on my report when clearly you will see when investigating that I have never been late on any of my closed and open accounts as I mention my payment history is 100 % exceptional so it doesnt make sense that Experian has misinformation on my credit report. I am asking that you can help me by removing that comment on my report. I appreciate your time and sorry for inconvenience.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX Account name : XXXX XXXX bank XXXX Account number : XXXX XXXX Account name : XXXX Account Number : XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. 
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXXfair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : XXXXproceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. 

CREDITOR CONTACT INFORMATION : TD BANK USA/TARGET ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. 

I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. 

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

I am in the process of fixing my credit but XXXX  has totally blocked me from checking my report or reporting any errors on their site. XXXX XXXX is also blocking my free annual report as well as Experian. I am unable to obtain my account numbers to properly dispute making it impossible to fix any errors on my report. I can not obtain my free annual report from all 3 of these sites.
Product: Payday loan, title loan, or personal loan

I advised this Co that I had filed Bankruptcy gave them attorney info phone website etc MANY times. They continually call me daily. I spoke with my lawyer who told me to not answer but then they call me at work for which I get in trouble for. I told them to not call me at work they are relentless, and I get calling but it's what they say to me and how they handle themselves that gets me, I have been threatened and cussed several times. They are now having managers from other locations call me daily. They say when I tell them to call my lawyer oh you pay a lawyer but not us? Usually the cussing starts then. This is unprofessional they have a bad reputation in XXXX for this type conduct. I am sorry I can't pay this bill I really am but due to reasons beyond my control I had to file bankruptcy. I told them this will have a case number by beginning of XXXX fact is by next week it will have we my attorney and I area completing the details this week. 
NOBODY should be threatened and told they will call and do whatever they want then they laugh... very unprofessional, XXXX told me today he filed suit yesterday if so why is he still threatening me can he file suit which is fine if he does at this point but can he harass and threaten cuss and scream at me and file suit?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax are reporting different information and the credit scores are always extremely lower than the other two agencies. This is also a violation of the Fair Credit Report Act. Each credit reporting agency has a responsibility to report accurate information. Also, Equifax is reporting my actual monthly payments that I pay to several of the creditors. This is a violation of the Privacy Act of 1974. The payments are not matter of Public Record and should not be published as a part of the report. ( Please see attached ) In accordance with 15 USC 1692 C ( b ) without prior consent of the consumer, a debt collector MAY NOT communicate about the collection of a debt with any person other than the consumer, and by providing my credit information to anyone inquiring, other than the originator, which you have done, you are in violation. And the originator has this information therefore there is no reason for you to publish it.

My Credit Report has a lot of Promotional Inquires. My information is reported on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX 15 USC 1681e states. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports lists under section 1681b of this title. ( Please see credit reports )
Product: Debt collection

After being relieved from my lease due to a breach in contract and vacating my unit XX/XX/XXXX I received an email from a representative at XXXX for a move out statement on XX/XX/XXXX claiming I owe {$770.00}. On XX/XX/XXXX I  disputed the balance as inaccurate and after that I didnt receive any further communications from this company verifying that this debt is accurate. I received an alert from the credit bureau stating that a new account was added to my report so I checked it to see that XXXX had sent a bill to collections with an entire new balance in the amount of {$860.00}. So instead of verifying the accuracy of the fees from the move out statement, they added more fees on top. I had not received any communication from the reporting agency or the original creditor since I disputed the original statement on XX/XX/XXXX so I was unaware that it even existed and was not given the option to dispute it or revived any notice of said debt before it was placed on my report in XX/XX/XXXX. I have recently reached out to the original creditor and they are also refusing to provide me with any validation. I have timestamped photos from the day of the inspection showing the unit was clean, I have copies of the exchange of emails between the community manager and I, and I also have a portion of my lease where it shows that they violated the terms for a move out procedure and sent this account to collections while completely ignoring my dispute. The only correspondence I received from XXXX was for a bill in the amount of {$55.00} that was sent on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my fico 8 score was a XXXX. I had 3 soft pull inquiries from 3 financial institutions ; XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX, which raised my score by 15 points. XXXX XXXX, XXXX, I applied for a XXXX XXXX credit builder account ; I made early payments 2 times in 2 months and was promised my fico 8 would raise by XXXX points if it was not subprime ; little to no credit at all, but was only rewarded 30 points total. XX/XX/XXXX, I started working full time and had the utilities that are accepted by Experian boost put in my name. Experian boost promises to build your fico 8 by 6 points each streaming service, cell phone services, and utilities. I purchased all 6 streaming services ; XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX, and my fico was supposed to be raised by 36 points. XXXX and XXXX  XXXX are the only utilities Experian boost accepts to boost ; 12 points. I also have 2 cell phones with XXXX  and XXXX  ; 12 more points with Experian Boost. I also have a XXXX  debit spending account, which promised to raise my fico 8 by 35 points. I recently opened a 2nd XXXX XXXX account on XX/XX/XXXX, which promised to build my fico 8 by 45 points if an account is {$1100.00} in good standing by the sixth month. XX/XX/XXXX, is the 6th month and my score of 8 has not been reported on my Experian by the FCRA yet. XX/XX/XXXX, I recently applied for 2 credit-building accounts ; XXXX and XXXX. XXXX is to build my fico by 45 points within 6 months ; XX/XX/XXXX with Experian. XXXX builds by 45 points with XXXX  and XXXX  XX/XX/XXXX. Due to the Covid 19 Pandemic, XXXX states no penalty for not being able to pay your bill ; the 1st time I have heard anything like this. Due diligently, XXXX helped me find the answers to a lot of the financial literacy questions I have. Experian customer service representative named XXXX, told me nothing was resolved. 

XXXX Starting Fico 8 15 3 financial institutions 30 1st XXXX XXXX  Credit Building Account 12 2 utilities ; XXXX  XXXX/XXXX 12 2 cell phones ; XXXX/XXXX  35 XXXX  Spending Account Debit 36 6 Streaming services ; XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX = XXXX 45 2nd XXXX XXXX Credit Building Account = XXXX By XX/XX/XXXX ; the 6th month 45 XXXX Credit Building Account by 6th month ; XXXX XX/XX/XXXX = XXXX By XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX notified me that my credit score decreased by XXXX XXXX. On XX/XX/year>, XXXX notified me that my credit score decreased by another XXXX XXXX. At this point, I was concerned because Ive never missed a payment and didnt open any new accounts. After further inspection, I had realized my student loans were appearing to equal over {$35000.00}. When Ive only borrowed {$20000.00} according to my Mohela account. 

On XX/XX/year>, I called Mohela and submitted a screenshot of my Credit Report. I was told they would contact the Credit companies to prove my accounts are appearing twice. In addition, I filed disputes with XXXX on XX/XX/year>. However, on XX/XX/year>, they all came back denied. Furthermore, my loan amounts were updated and no longer add up to the original numbers they were before. It appears XXXX further edited my student loans. 

On XX/XX/year>, I called XXXX. They were of no help and told me to contact Mohela. I called Mohela again on XX/XX/year>, where I got more information as to why this happened. 

Basically, my student loans were under the old Mohela program, and without my knowledge, they created a new account under the new Mohela program. Rather than closing my old accounts, both student loan accounts are now left open. Thus, why it's showing I have double the student loans Ive taken out. 

Im filing to report this error on XX/XX/year>, as my credit score continues to decrease. On XX/XX/year>, it decreased another XXXX XXXX. The information both reported by XXXX and Mohela is incorrect. I was told this process would take up to 30 days, but peers of mine with the same issue have been told 10-15 days. There is no consistency among Mohela, and Im concerned this issue is going to take up to a year to fix.
Product: Bank account or service

I have had many on going issues with the honesty and transparency in regards to Huntington bank. I have seen instances of being double debited by te bank on menial debits but have since added up to XXXX ( the ones I have caught ). y second complaint to which I have wrote in the past is My card was double charged by a vendor I have filled out XXXX investigations and never hear anything from the bank and the customer service is horrid when I call. The charge was XXXX and you can see XXXX charges same amount. Nothing was ever done.
Product: Debt collection

THD / CBNA has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

My information was exposed in the XXXX data breach. I noticed fraudulent inquiries on my credit report that need to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Recently I was pre approved for a XXXX Payoff Loan I advised them I received my money through XXXX  and they advised me that I had 30 days total to upload the XXXX  Award Letter. I am currently still waiting on it as it should be delivered to my home any day. This was the only document that they needed. After the application was pending the last document I made them aware of the letter and they advised me that I had 30 days to get the letter to them. Today I signed in to upload the letter and they declined the application without all the documents. I called them to see if it could be reopened and they advised no.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date reported and Delinquency first reported have been recently changed to a date after the charge off
Product: Credit reporting or other personal consumer reports

I requested ChexSystem to remove this from my report as the reporting company has no form to contact as they are no longer active, as well as no information available from the source for me to be able to settle or delete/remove. 

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

I would also like to express this has effected my ability to secure a good financial institution to handle my business, as well as my personal day-to-day transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXXXXXX XXXX account # XXXXXXXXXXX XXXX, Loan Amount {$4500.00} has violated my rights. 

In accordance with the fair credit reporting actXXXX XXXX XXXXXXXX XXXX account # XXXXXXXXXXX XXXX, Loan Amount {$1000.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX XXXX XXXXXXXX account # XXXXXXXXXXX XXXX, Loan Amount {$3000.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.