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

In spite of my previous written request I found out that the XXXX credit bureaus neglect to delete the inaccurate items in my credit file, I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The XXXX credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need these following items to be removed from my report ASAP : XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXXXXXX Unpaid Balance {$2200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} ; XXXX XXXX XXXX  XXXX Unpaid Balance {$760.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Unpaid Balance {$2200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires on my Equifax Credit Report that I do not recognize and Equifax refuses to remove these from my file. They told me to contact each creditor specifically in which I did. The creditors told me I had to contact Equifax and they were the only ones to remove these. I contacted Equifax again and they refuse to remove these. I stated numerous times that according to the FCRA if these inquiries were unauthorized that legally they had to remove them and once again they refused. 
XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX XXXX XXXXXXXX reported a late payment of 90 days regarding my student loan accounts. I am requesting that this late payment be assessed for accuracy. I believe this reporting is incorrect because I have included the documentation to prove that my loans were in forbearance/deferment XX/XX/XXXX to XX/XX/XXXX and didnt require any payments. 
Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the following accounts listed on my credit report. The information reported is inaccurate and does not reflect the actual status of these accounts. I request that you investigate and remove these items from my credit report as soon as possible. 

XXXX XXXX XXXX late payment account : I have never been late on a payment to this creditor. 

XXXX XXXX XXXX collection account : I have no knowledge of this account and do not owe any debt to this creditor. 

XXXX XXXX XXXXXXXX charge off account : This account has been paid in full and should not be reported as a charge off. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX collection account : This account was settled and paid in full, and should not be reported as a collection account. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX collection account : This account was also settled and paid in full, and should not be reported as a collection account. 

XXXX. XXXX XXXX XXXX XXXX account : This account was settled and paid in full, and should not be reported as a collection account. 

XXXX. XXXX XXXX XXXX XXXX charge off account : This account has been paid in full and should not be reported as a charge off. 

XXXX XXXX XXXX XXXXXXXX charge off account and XXXXXXXX XXXX XXXX XXXX charge off account : These accounts have been included in my bankruptcy and should be reported as such. 

XXXX XXXX XXXX XXXXXXXX charge off account : This account has been included in my bankruptcy and should be reported as such. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX collection account : This account has been included in my bankruptcy and should be reported as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous dispute with XXXX ( XXXX XXXX XXXX  credit card account ). I have previously disputed the reporting of this account with XXXX XXXX XXXX  and they proclaimed that the entry was reporting accurately on my credit reports. That is wholly untrue. In my previous dispute with them in XX/XX/XXXX, I informed them that they has not updated my credit report payment history since XX/XX/2018 with XXXX,XX/XX/XXXX with XXXX and XX/XX/2018 with Equifax. I  recently pulled my credit report and the only bureau that is current is XXXX ( see attached ). XXXX XXXX XXXX has not updated Equifax since XX/XX/XXXX ( see attached ) and XXXX since XX/XX/XXXX ( see attached ). I am again requesting that XXXX XXXX ppdate my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

We started using XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and on my credit report. It has been taken off my husbands credit report but is still on my credit report. As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX  XXXX, the Account is paid off. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

For a number of years, I have made repeated reports regarding the presence of accounts on my credit report that actually pertain to my XXXX  sister. It is a matter of concern as we share similar names, have the same date of birth, and our social security numbers are very close. Furthermore, our signatures bear a striking resemblance to each other. I am unsure if this is an intentional case of identity theft or if there has been an accidental mix-up where educational institutions accessed the wrong records. 

Regrettably, I have not been in contact with my XXXX  sister for many years, hence I am unable to verify the origin of the discrepancy. Consequently, I am formally presenting a request for the removal of these accounts from my Equifax and XXXX credit reports, a request I have been making for approximately ten years.
Product: Credit card or prepaid card

On XX/XX/2021 I paid off my Citi bank Costco credit card the balance was XXXX. I was given a confirmation number of XXXX and a document that showed the account paid in full with no payment due and no current balance. Later, XX/XX/2021, I received an email stating that owed {$370.00}. On XX/XX/2021 at XXXX XXXX after learning about the e-mail I called the customer service number and talked to an representative about the issue. They told me it was a finance charge. I had not used the card for anything and had placed a block on the card so others could not use it either in XX/XX/2021. I asked to remove the charge and she said she would try but was not always allowed to do so. She told me that she had removed the charge and everything was all set. I asked if I again had a XXXX balance and she said yes. I then asked her to close the account. She explained that I would forfeit the rewards I had accumulated on the account and I said that was fine. She explained that I would be getting confirmation that the account was closed. 
On XX/XX/2021 I received a letter in the mail from Citi that was dated XX/XX/2021 stating that " We've determined that your account is not eligible for a credit of the finance charges. '' I called about this and was told that I would have to pay the charges. I do not believe that I should have these charges because I was provided with a document that showed a XXXX balance by them and have a reference number to prove this. I also was told by a company representative that I had the charge removed, I also had closed my account after making sure that all charges were removed and the balance was XXXX. Lastly how can I be charged after the account had been closed with a XXXX balance? Furthermore the interest rate charged on this card after missing an ontime payment was extremely high and was a severe hardship on my family. We felt we did the right thing by the company and paid our bill in full as soon as we were able. Only to feel further pressured by them after wanting to distance ourselves from this corporation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/Transunion/XXXX are NOT RESPONDING TO DISPUTE REQUESTS!!!!! 

To Whom It May Concern : You are reporting and publishing inaccurate and incomplete information in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out of pocket costs and loss opportunity. The following information you are reporting is inaccurate and incomplete. 


COLLECTION XXXX Account in Litigation-NOT MY ACCOUNT- DELETE IMMEDIATELY XXXX XXXX XXXX XXXX no contract- delete immediately XXXX XXXX XXXX XXXX - NOT MY ACCOUNT- DELETE IMMEDIATELY I request that you delete the above-listed tradelines and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradelines item is verified, I request details of your method of verification. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. 
Your prompt attention to this important! 

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

On XX/XX/2021, I made payments of {$300.00} and {$25.00}, and on XX/XX/2021, a payment of {$10.00} to XXXX XXXX XXXX. These payments have not been reported to Experian and XXXX. I spoke with a representative named, XXXX and he told me that XXXX has not updated the credit balance of my loan with nor have they reported the correct balance of my visa account. This has hurt my credit score immensely and when I spoke with XXXX, the agent did not appear to care or have any good knowledge. I told him that the bad reporting is hurting my chances of getting employment and he did not care. I think it is wrong that they fail to report the correct information and it affects my score tremendously and means of gaining employment.
Product: Money transfer, virtual currency, or money service

At XXXX on XX/XX/XXXX, I created a new PayPal XXXX account to accept payments for a new business venture I'm developing. I submitted my own information, using an address in XXXX  where I can safely receive mail because my XXXX lease is expiring at the end of XXXX. 
I received a confirmation email containing my mailing address at XXXX on the XXXX. I did not request any payments, did not link a bank account, and did not link a payment method. It was an empty account, created a period of days or weeks before I expected to make use of it. 

At XXXX on XX/XX/XXXX, almost exactly XXXX hours later, PayPal XXXX me that they were closing the account as fraudulent. 

> After a review, we decided to permanently limit your account as we detected that this account was created using either fraudulent or stolen information. 
> You'll not be able to conduct any further business using PayPal. 

I believe this XXXX be because I used a XXXX  address while living in XXXX, which I did for mail continuity during a move. 

This information is rightly mine, and correct. PayPal made no attempt to communicate with me outside of automated transactional emails, and I had no opportunity to remedy the situation. Attempts to contact PayPal support have been stonewalled, met with an auto-response indicating the decision is final. 

This will complicate accepting payments for my project, a XXXX XXXX XXXX for a community of software developers. PayPal is a familiar and trusted platform by the international audience that currently uses our free system, no not having access will make it more difficult to complete these transactions.
Product: Credit reporting or other personal consumer reports

My rights have been violated under 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communicationrelates to the collection of a debt; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly spoken to the fraud dept. with XXXX XX/XX/XXXX and XX/XX/XXXX and explained to them that the inquiries on my credit file are unauthorized and I requested that they be removed. I don't have any knowledge or business regarding those company inquiries and I explained this to XXXXXXXX XXXX fraud dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX please remove the block and the exstended fraud alert from my credit report, I never gave you Permission to but a block on my report or the extended fraud alert on my file, remove all blocks and fraud alerts on my file. Cease and Desist from reporting any thing that I do not give you permission to do. Remove it immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I have a complaint about this account XXXX  XXXX  XXXX  # XXXX I have never had any contracts or account with this companyI am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further, remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company.
Product: Debt collection

They 've called me XXXX times in 14 days ... and its still XXXX. So, I 'm sure I 'll get a XXXX more today.
Product: Credit reporting

Dear Consumer Advocate, I am writing to escalate an issue I am running into with XXXX XXXX. My account opened under XXXX originally and in 2013 this company merged with XXXX XXXX. As a customer, I have never been late with my payments. In fact, I worked diligently to keep all my accounts in order to carefully build my credit back up after a Chapter XXXX dismissal. I had numerous technical issues after the XXXX companies merged, including not being able to access my online account for which I contacted Customer Service three times to help with this issue that kept recurring. With XXXX ( now XXXX XXXX ) and all my other accounts, I have reminder notices setup so that I could diligently make sure my payments were sent on time, for which I relied on. I did not use this credit card much, but last year getting ready for my wedding, I missed my XX/XX/XXXX payment. I never received a notice, thus I realized I was late because I had a credit reporting alert setup, for which XXXX XXXX reported to. My balance was approximately {$40.00}. Again, I had never been late with this company before. I contacted their Customer Service department immediately and the agent I spoke with understood, was very concerned and added a dispute code. She mentioned it was likely they could remove it because she did acknowledge all the system errors they had. I paid my balance in full immediately. Since then I am refinancing my home, and also trying to keep my finances as low as possible and making the best decisions, I realized that entry is still on my credit report. I 've written a letter to XXXX XXXX and spoke with XXXX agents who say there is nothing they can do and keep repeating the same thing over and over. This does not seem fair considering my costs incurred to refinance because I did not get my reminder notice I duly relied on -- especially at that critical time in my life. There should be some exceptions! The cost does not match the action per se. I would think as a consumer, and having been a very good customer, they would have acknowledged their system glitches and helped me out. After the last letter I received from them this week, I called this morning again and spoke to a 'supervisor. ' She finally admitted they did not have any alerts set on my account. She was the first person to tell me this after the merge from XXXX and all the technical issues I had. She says I should have known to reset all my alerts! I am very frustrated because I have been working very hard to build my credit back up. I am hoping your organization will be able to assist me in some way. Please advise. 

Best Regards, XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a credit card accounts with td bank/XXXX that got delinquent due to personal issues. When i got back on my feet I settled that account under the agreement that they would be completely removed from my credit reports yet it still remains. I contacted then several times in the past to resolve this with no luck because i did n't get the agreement in writing from the CSR that assisted me and assured me they would remove all four accounts from my credit reports. here are the partial account numbers listed on the credit XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate account information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, after being denied credit, I began the process of disputing information on my credit reports with information I believe to be inaccurate. TransUnion is the one and only credit reporting agency that has continually refused to start a proper investigation into my credit report, citing no less than twice they believe the letters I personally wrote stating " it didn't appear that you or a properly authorized third party sent it to us ''. These attempts to subvert investigations and neglectfully refusing to perform the required investigations within 30 days. After TransUnion 's first refusal, I immediately wrote back demanding the investigation, within the allowed 15 day extension, even though TransUnion neglectfully erred in their original decision. Next TransUnion stated they " were unable to determine the nature of my request or my request was illegible ''. But as clearly stated in my typed letter, it was extremely clear exactly what I was requesting. But after that letter, which was received on XX/XX/XXXX, I next wrote multiple letters disputing the accuracy of information being reported and once again, TransUnion refused to comply with my request, citing the same information as before. After multiple attempts, TransUnion is absolutely refusing to follow the law and perform an investigation as required under the FCRA. 

TransUnion did provide myself a copy of my credit report. 

Note : I did not include a copy of my drivers license or the bill I provided to TransUnion on each available time. 

At this time I am requesting a full investigation by the Consumer Financial Protection Bureau to why TransUnion refuses to comply with the law. I am attaching every letter send to TransUnion and received by TransUnion as evidence of the lack of reasonable procedures and policies in place to fulfill their obligations under the law. And I am demanding action to be taken against TransUnion for their repeated violations under the FCRA. 

TransUnion shall look to settle these illegal actions immediately, as this complaint goes further than simply TransUnion trying to bypass the law and investigate these as a dispute, I am looking for TransUnion 's settlement offers. 

Furthermore, during TransUnion 's investigation, all information, up to and including, but not limited to documentation and their sources must be provided to myself in writing to my mailing address.