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

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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

4 months ago I set up an account with Experian with the goal of paying for a single month for service both myself and my wife. The agreement was to pay XXXX for each account until I cancelled it by phone. After the first month expired I contacted the customer service number numerous times and have failed miserably. I have wasted no less than 10 hours on the phone trying to get to representative to no avail. In the mean time Experian has charged me the XXXX x 2 each month for the past 4 months. I would love to speak to a customer service rep, in order to cancel this fraudulent service and recoup my hard earned monies with the exception of the 1st month for which I have agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent in a dispute to Experian for XXXX/XXXX  acct XXXX informing them that the date of last activity was incorrect. Also informtin them that the comments were different for each credit bureau. They then came back to say that the information was verified, then on XX/XX/2020 asked them how they verified this account without any information provided to me as the consumer they gave no reasoning just updated as verified. I don't understand how 3 credit bureaus that is suppose to reporting the same information from the same creditors are all reporting differently, this is showing pure neglect for a consumer and inaccurracies which they refuse to follow the FCRA guidelines on accurate reporting and continue to be in violation.  Then on XX/XX/2020 Experian was sent a dispute letter informing them that they have this collection account for XXXX   XXXX on my reporting showing late payments which a collection account should not show being that a collection account is by default derogatory and something needs to be done about this. Attached is showing my proof of dispute letters sent and proof of the inconsistencies and errors being reported
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute and request the removal of unauthorized hard inquiries listed on my credit report. These inquiries were made without my consent or authorization, and I have not applied for any credit or services associated with these inquiries. The unauthorized inquiries negatively impact my credit score and financial well-being.

Here are the details of the unauthorized hard inquiries : I have not initiated any financial transactions or applications with the aforementioned creditor/company on the date mentioned. Therefore, I request a immediate removal from my credit report.

Enclosed with this letter are copies of supporting documents that demonstrate that I did not initiate these inquiries. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. I believe that the inclusion of these unauthorized inquiries violates my rights under the FCRA. 

Please consider this letter as a formal dispute under the FCRA. I appreciate your prompt attention to this matter. 

Thank you for your cooperation in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix this with XXXX. My next action will be to hire a lawyer and report them to my States Attorney General and the Federal Trade Commission. This account was closed in XXXX due to charge off status. XXXX is reporting a last payment in XXXX which would change the first date of delinquency. ( ACCOUNT HAS BEEN REAGED which is a FCRA violation ). This account has reached it 7 year mark and should not be reporting on my credit report. This is my last attempt to get you to remove this charge off that has caused emotional damage etc. to me. You are to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not access my free Credit report, it just shows up as error on the computer, and told me I couldnt access it when I called. 

I need to access it because my banker said my social security number does not match up with my name or address! And I dont know what else to do.
Product: Debt collection

XXXX, a subsidiary of XXXX XXXX, placed a collection item on my personal credit report for a commercial relationship with no personal guarantee. The amount was for {$59.00}, and the account has never been delinquent according to XXXX 's web site. The collection item was placed on XXXX 's behalf by MRS Associate/MRS BPO ( www.mrsbpo.com ). This is an abusive practice that is intended to bully a non-responsible party into paying. Moreover, XXXX  is fully paid and operational, and any outstanding payments were satisfied long before MRS reported the collection item to credit bureaus.
Product: Credit card

XXXX a card was applied for in my name according to the bank it was denied but they refused to remove the inquiry. This was not me and insisted not authorize for this card to be applied for and running my credit. I was instructed by XXXX today to file a complaint
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> and XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Someone took out credit card under my name. They stole my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 or other personal consumer reports

Transunion is in violation. Please refer to the attachments. All violations will be appropriately addressed and referred to all appropriate agencies.
Product: Debt collection

Called my brother on XX/XX/XXXX. They keep contacting my family members about a debt that has been paid off more than 8 years ago. 
My sister was contacted in XXXX and I clearly told them to stop contacting my family members about a supposed debt totaling {$14000.00}.
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 Account XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Student loan

On several occasions I've tried to have Navient reduce my monthly payments. For months I begged and tried to explain my situation to Navient. I eventually fall behind. The only thing they offer me is the a temporary rate reduction plan. Where for 12 months my interest is lowered to about {$75.00} a month. I've completed the program twice now and each time the amount of my loan increases. The loan was originally for {$5000.00}. I owe about {$10000.00} now. My cosigner is unable to help due to her own illness and unable to work and they still refuse to do anything but keep putting me back in the rate reduction program. I would like to get my payments down to about $ 95- {$100.00} where I can actually afford them. I am currently behind {$240.00}, I believe I'm 2 months behind. I'm currently back in school for my XXXX XXXX and they refuse to do an in-school deferment either. They also call me at least 4 times a day and they also use this company XXXX XXXX to disguise their number just to get through to me, even though I've already talked to Navient for the day and told them I was at work and couldn't talk. They keep offering me the rate reduction program but all it does is increase the amount of money I owe them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 has violated my rights. 
15 U.S.C 161 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my instructions
Product: Credit card or prepaid card

Placed two charges on my FNBO credit card for a beach front rental property for the week of XX/XX/XXXX thru XX/XX/XXXX. The first charge was in XX/XX/XXXX for {$1900.00} and the second was on XX/XX/XXXX for {$2900.00} We arrived at the property and had nothing but continuing issues. The issues ranged from the Air conditioning not working to the stove and oven not working. Additionally despite an extra charge for cleaning there lazy suzan was full of dirt and some kind of liquefied mess. The portable air conditioners brought in soaked the carpeted floors and caused additional problems. 
Despite all of these issues at no time did the rental agent offer us a different rental property. Something that is stipulated in the lease agreement when the property becomes a problem. 
Upon my return home I contacted XXXX to get a refund. What they offered was {$400.00} which I rejected. My next step was to dispute the charge with my credit card company. 
The dispute was made an in XXXX I received a letter that my dispute could not be honored. FNBO gave as it's reason that according to Visa if you stay for the entire rental dates no refunds are issued. 
Based on this I contacted Visa and received an e mail that they have no such policy and refunds are the discretion of the card issuer. 
Since then I have been going back and forth with FNBO. I requested documentation about this policy and also tried to explain that short of returning home we had no other place to go. There were 8 adults and XXXX children using the house
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been back and forth Equifax and XXXX on this XXXX XXXX timeshare that has been canceled for over a year now. Also XXXX has been reluctant in sending me a proper letter stating that i no longer own a timeshare with them and that we don't owe them {$27000.00}. 

we ( myself and my wife ) were both victims of this XXXX timeshare. we were told and promised things that wasn't accurate back in XXXX of 2019 and after a very long back and forth the timeshare was finally canceled. 

Its almost 5 years and we just want this to end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bunch of credit inquiries that do not belong to me
Product: Money transfer, virtual currency, or money service

This occurred during XXXX XXXX XXXX 

1. I received a 'fake check ' from someone at XXXX. ( didn't know it was a fake check at the time I received ) 2. Deposited the check to my Checking Account ( Chase Bank ) 3. The Bank cleared within one day.

4. Once I saw the amount clear, I sent the portion of the money to the scammer ( without knowing it was a scam ).

5. Once I sent the money to the 3rd party ( scammer ), the original check bounced.

*The original check was valued at {$2900.00}. I sent {$2600.00} to the scammer via XXXX. Thus, I lost the total amount of {$2600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

RECENTLY APPLIED FOR AUTO INSURANCE WITH XXXX XXXX AND WAS INFORMED THAT EQUIFAX AND XXXX HAVE PLACED A SECURITY FREEZE ON MY CREDIT FILES WITHOUT PERMISSION SINCE XX/XX/2015, THEY ARE TRYING TO COVER UP FROM SECURITY BREACHES OF THE PAST! THEY BOTH ARE AWARE OF BREAKING THE F.C.R.A. U.S.C. 15 Section 1681g and the DODD FRANK ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$830.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$460.00} ; XXXX  XXXX Balance : {$2200.00} ; XXXX XXXX XXXX : {$990.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$19000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$820.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$730.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX ( XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$1400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$24.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Dear CFPB, I had merchandises transactions online in US has been disputed since XX/XX/2020. I asked help from PayPal Resolution Center ( PPRC ). The date reported to PPRC was XX/XX/2020. Since the first time I disputed to this seller, I did not agree that I had to return these merchandises back to XXXX, since I did not know, this seller located in XXXX and had return policy to XXXX. There was no exchange policy. The seller offered me a small discount and keep the merchandise. I don't want to keep this byproduct merchandises. This seller was a fraud by pushing customer to keep its stuff and acting as seller who located in US. I ask my money back ( {$59.00} ). Later, The PPRC instructed me to return back to XXXX even I already complained about this problem in the first place. There was no other option in PPRC final instruction. It means that if I did not return back to XXXX, I will loose total my money. This PPRC solution was bad for me as customer. The purchase protection which the PPRC advertised in their website was not working for me as their longtime member. The shipping cost to XXXX by USPS was {$43.00}. So, based on PPRC, I did not have choice, I sent back this merchandise to XXXX on XX/XX/2020 and gave the PPRC the tracking number ( XXXX ) right away. I have been checking frequently the status of this shipping on USPS website. Until now XXXX XX/XX/2020 ), the shipping is still in transit in XXXX XXXX. Suddenly, I got email from PPRC that my case is closed and I did not get the refund. I tried to contact PPRC unsuccessfully. I tried to email them back, but there was no response from PPRC. Why did PPRC close the still-in progress case?? PPRC only cared the seller. Actually PPRC did not care their member or customer. I am very disappointed. I have nothing now and I lost {$59.00} + {$43.00} ( since the merchandise still in XXXX XXXX due to PPRC stupid instruction, pushing me to send the merchandise back to XXXX. I lost {$59.00} + {$43.00}. It's not fair. Thank you. Best Regards
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name :XX/XX/XXXXXXXX XXXX Account Number : XXXX Account Name : XX/XX/XXXXXXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XX/XX/2023 : Account Name : XX/XX/XXXX Account Number : XX/XX/2023 : Account Name : XXXX Account Number : XX/XX/2023 : Account Name : XXXX Account Number : XX/XX/2023 : Account Name : XXXXXX/XX/XXXXAccount Number : XX/XX/2023 : Inquiries : 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: Debt collection

I am again disputing the following account with the company XXXX XXXX XXXXXXXX XXXX this is not my account I have included this account in my FTC as Fraud I am requesting your company to remove this account from reporting this FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts to contact Lexis Nexis to resolve this issue, they are simply sending automated responses and closing my XXXX  cases as well. So, now I am sending in my cease and desist letter to them. Lexis Nexis is improperly reporting information that is harming me from obtaining financial products. Lexis Nexis sends the same automated response that they obtained information about me from PACER or from the courthouse. I have verified with both the courthouse and PACER and each of them states that they don't provide information to third-party agencies or credit bureaus. I'm attaching proof as well. So, I am sending the cease and desist, since Lexis Nexis is continually misrepresenting me and causing me a great deal of financial distress. DO NOT CLOSE THIS AS A DUPLICATE CASE, AS THIS IS A CEASE AND DESIST. 

I have uploaded the CEASE AND DESIST letter, my license, power bill, and letters from PACER, and the courthouse. Lexis Nexis, you have enough information to identify me now. 

Thank you, XXXX XXXX
Product: Debt collection

On XX/XX/2021, National Recovery Agency removed 3 accounts from my XXXX and XXXX. They failed to removed account from my XXXX. After months of requesting validation, XX/XX/2021, XX/XX/2021, XX/XX/2021 & XX/XX/2021 I sent an affidavit of Truth! They were not able to provide such validation, Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g. 30 days is given to investigate or respond to said request for debt validation. I did not receive validation, but accounts were removed from XXXX and XXXX only, after several attempts of requesting.
Product: Vehicle loan or lease

Bridgecrest illegally and fraudulently repod a vehicle I was still making payments on, then resold it. They have broken many consumer laws including deceptive business practices. 
They need to remove their fraudulent reporting from my XXXX and XXXX credit reports. XXXX has already deleted it from my credit history. 
They claim to offer payment deferrals, but apparently they never actually give them to any customers. ( Please look at their reviews and the many consumers they have taken advantage of in this manner )