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

Dear CFPB, I recently started using a Fidelity Visa ELAN card that I have had since XX/XX/XXXX as it offered more points. I did not realize the limit was low ( {$7500.00} ) as compared to my other cards. I had XXXX  XXXX  and XXXX charges applied. On XX/XX/XXXX I was notified by XXXX  that there was a change on my credit score-my CREDIT SCORE dropped form XXXX to XXXX ... .72 points!! I then became aware of the limit and paid the entire balance ( which was not yet due ) by Fidelity bill pay on XX/XX/XXXX which was processed on XX/XX/XXXX. I have contacted Elan and been on the phone for hours. There is NO concern for this outcome and apparently they will not notify the Credit Bureaus until XXXX of the zero balance. I have no information how long it will take to regain my credit -- -- I was considering a new home this fall and now have to postpone as I don't know how a XXXX score would affect a mortgage. 

WARNINGS TO OTHERS : 1. I have numerous Fidelity accounts and history but they do not have ANY ability to assist with problems with ELAN- you are on your OWN! 
2. ELAN customer service explanations were uncaring and vague- no advise. 

QUESTIONS : 1. How long will it take now for my credit score to return to XXXX? 
2. How does it affect your credit score to discontinue the ELAN credit card? Are you better off leaving it at XXXX unused until ELAN discontinues it? 

Thanks CFPB for your assistance in advance. I read so many bad reviews for ELAN on XXXX  and XXXX XXXX that I see I am not alone ... ..
Product: Debt collection

I received a phone call from CCS Account # XXXX Pin # XXXX stating they were a law firm attempting to collect a debt for XXXX XXXX from ( XXXX ) XXXX, they then told me I was in violation of the law and could face criminal charges, I hung up the phone thinking another SCAM for money! A week later I received a offer letter to pay a discounted fee by a specific date so I paid it not knowing it was a mixed credit file with a family member with the same name. CCS NEVER disclosed to me any documentation I requested according to section 15 U.S.C. 1681g under the FCRA that states I have a right to demand that they disclose to me all the documents that they have retained in their files that I requested concerning the account they are reporting in my credit report. Section 616 & 617 clearly states that I have a right to seek relief and monetary damages for reporting unverified accounts on my credit report. 15 U.S.C 1681i ( a ) ( 5 ) ( A ) of the FCRA states CCS is required to promptly DELETE all information which can not be verified in which I paid an account that does not belong to me. ( See check and offer letter attached ) indicating PLEASE SEND ME A LETTER PAID IN FULL and CCS reported I owe {$370.00} on all three credit bureaus. 

CCS is a SCAM COMPANY located at XXXX XXXX XXXX XXXX, MA XXXX and no physical address to be served legal court petitions for their SCAMMING. 

Im requesting an address to serve LEGAL DOCUMENTS for Litigation Seeking Relief and Monetary Damages. Section 611 ( a ) 5 ) ( A ) ( I ) of the FCRA clearly states CCS has not verified this account reported to the credit bureaus and have only parroted what the information provider told them under section 1681i. 
I am filing my complaint with the FCRA and Attorney General of Arkansas CCS Violating the LAW!
Product: Credit reporting or other personal consumer reports

there are inquiring on my credit report that arent mine
Product: Mortgage

I have applied for a modification with my mortgage company and I 've being getting the run around for about 2 years now. Now they are saying I need to restart the process. The modification was requested because of the passing of my wife.
Product: Credit reporting or other personal consumer reports

See Attached : I am submitting a dispute. I have recently checked my credit report and noticed some inaccurate accounts reporting.
Product: Debt collection

I am a new resident in XXXX Az. About one month ago I started receiving calls from " Northland Group ''. I have had enough of their calls and blocked their phone number. I went to XXXX and there are over XXXX pages with complaints about this company. This company apparently is looking for a debtor and I owe nothing to anybody. I pay my bills within 30 days. I want them to stop calling my number because I do not think they are looking for me or my family members.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt, in fact, therefore exist, ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$160.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested from the US bankruptcy Courts of Ohio how they go about reporting to the 3 credit bureaus and they sent me a letter dated XX/XX/XXXX stating they do not report to the credit bureaus. I sent this information to the credit bureaus on XX/XX/XXXX via certified letter and had no response. On XX/XX/XXXX I  called Experian to inquire if my letter had been received and was told that the letter had been received but that the information would not be put in dispute or removes, based on the fact that the fcra protects 3rd party reporters and the information obtained was public record and could be reported by any contracted reporter to the credit bureau. When I asked the young lade ( XXXX ) to let me speak to her manager for resolution I was sent to a voicemail box for ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXnquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry XXXX 15 U.S.C 1681 section 602 A. I have a right to privacy 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Portfolio Recovery Associates , LLC for reporting inaccurate and unauthorized information on my credit report. This company has obtained my personal information from a debt collector who previously wrote off the alleged debt, and they are now attempting to collect or report it without legal basis.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information appearing on my credit report, specifically regarding a closed account with an inaccurately reported balance. According to 15 U.S.C. 1681 ( Fair Credit Reporting Act ), I am entitled to have accurate information reflected on my credit report. Please consider this letter a formal dispute of this inaccurate information. 

The account in question is listed as XXXX XXXX XXXX XXXX. This account was closed on [ XX/XX/year> ], and the balance should have been updated to reflect zero at that time. However, my credit report reflects an incorrect outstanding balance, which is adversely affecting my credit score and overall credit standing. It also includes misleading and inaccurate information reported between the XXXXhree credit bureaus. 

Under the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation to ensure the accuracy of reported information. Additionally, under 15 U.S.C. 1681s-2, furnishers of information are obligated to provide accurate data to the credit bureaus and must correct any inaccuracies once they are notified of an error.

I am requesting the following : A prompt investigation of this closed account to confirm the accurate balance of {$0.00}. 
Removal or correction of any inaccurate information regarding the balance on this account. 
Written confirmation that these changes have been made, or a statement explaining why the reported balance was not updated following the account closure. Please update my credit report to reflect accurate information, and ensure that all credit reporting agencies receive the corrected data. 

Thank you for your attention to this matter. Please notify me promptly once this dispute has been resolved. I may be reached at ( XXXX ) for any additional information. 

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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX Experian Attn : Customer Relations Department XX/XX/XXXX To Whom It May Concern, I am in disagreement 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. 

Account name : XXXX XXXX XXXX Account number : XXXX ; Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX. XXXX, XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX Account number : XXXX Furthermore, 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. 

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

XXXX, ( 3 ) Mortgage Options Pending Your Review .I did not authorize a mortgage lender to look at my credit
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Experian consistently responds within

24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

these are the accounts previously disputed : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) opened XX/XX/XXXX XXXX XXXX opened  XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts on multiple occasions however they are still reporting them incorrectly. 

XXXX XXXX is only reporting on my Experian with an inaccurate date opened, no date last verified although I've disputed this account for almost a year and most recently being 1 month ago. 

XXXX XXXX  card is only reporting on my Experian with no date last verified and the last date reported XX/XX/XXXX. This is an account I'm actively disputing but they return " updated and verified ''. My last payment date is showing XX/XX/XXXX which is inaccurate and they have not sent me verification. 

XXXX XXXX XXXXXXXX is showing inaccuracies on the 30 days late, 60 days late and 90 days late. How is this account showing 90 days late 24 times consecutive? 

The following accounts have all been transferred to a student loan fresh start and should not be showing delinquent or derogatory on any of my reports. The USDEPTOFED are also duplicates and need to be removed immediately. 

DP OF EDUC XXXX- This account is part of Fresh Start with US Department of Education USDEPTOFED XXXX- This account is a duplicate USDEPTOFED XXXX- This account is a duplicate USDEPTOFED XXXX- This account is a duplicate DEPTEDXXXX XXXXXXXX - This account is showing as a duplicate and is part of the fresh start program with the US DEPT of ED. 

XXXX XXXX XXXX XXXX this account is showing on two bureaus with mismatch information such as " date reported '', " creditor remarks are also inaccurate '', last payment is also a huge inaccuracy showing XX/XX/XXXX on Experian and XX/XX/XXXX. The date of last activity on this account also do NOT match. 

XXXX XXXX- this account was a bogus debt from XXXX ( XXXX ) they credited my account and my balance to XXXX. This should be removed XXXX XXXX - This account was recalled by comcast and no longer was reported by XXXX however the bureaus refuse to remove it after multiple attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX and XXXX
Product: Debt collection

I was am ineligible student at an ineligible school that is not accredited in the United States nor on the federal school list. The school is also not eligible under title IV to receive financial aid. I filed for bankruptcy in XXXX of 2016 and the company continued to collect the debt regardless of the stay. The judge approved the bankruptcy. The company still attempts to collect. I have referred them to my attorney. The company is not exempt from bankruptcy law and must abide by the court 's ruling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX Balance : {$210000.00}
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/2024 I am reporting a fraudulent inquiry found in my credit report
Product: Debt collection

Rash Curtis and associates are not only unethical in their practices, failing to communicate in writing, threatening to 'sue ', 'damage my credit ' and/or poor accounting/booking practices. 
As of XX/XX/XXXX they have reported a COLLECTION of {$370.00} dated XX/XX/XXXX, on behalf of XXXX XXXX XXXX to credit bureau companies. Not only is this not a valid collections this account was closed in good standing. This error had been previously resolved with Rash Curtis & associates, in which they reported to me as 'resolved ' yet due to their poor booking practices and poor customer skills they internally mishandle accounts and now, 6.5 years later they are reporting this to the credit bureaus. 
This reporting is to my surprise as I have not received any information from them neither via phone or mail In XX/XX/XXXX due to their poor booking practices and false credit bureau reporting. I contacted Rash Curtis and associates to resolve issues in response they sent me an itemization of account in which it included XXXX XXXX XXXX as paid in full transaction.
Product: Credit reporting or other personal consumer reports

I have not received any response from the Bureaus even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. But unfortunately it has been over 30 days and no accounts was updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were consolidated in XXXX to XXXX XXXX XXXX XXXX. They have reported 3 months of late payments that were not late payments. I am attaching the forbearance letter. Also, the amount of the loan is incorrect. I joined the XXXX XXXX XXXX on XX/XX/XXXX. I was XXXX XXXX from that date until XX/XX/XXXX attending boot camp my trade school. I switched to the XXXX XXXX on XX/XX/XXXX. XXXX XXXX and XXXX did not make sure my loans were all below 6 % as per the Servicemen 's Civil Relief Act.  therefore, my consolidated loans need to be re-calculated correctly. I told XXXX XXXX and they sent me a letter stating that I did not meet the requirements because of the dates of the loan. that is incorrect due to the fact that I received the loans before my XXXX XXXX military service. My student loans started XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and two loans on XX/XX/XXXX, The loans were on forbearance. I have been disputing with XXXX, Equifax, and XXXX  since XX/XX/XXXX, and they all have come back and said that information has been verified each time I dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.

I recently received a copy of my Transunion consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Product: Credit reporting or other personal consumer reports

I have several addresses and inquiries reporting on my credit report, i've never inquired about nor authorized. 
Several Accounts listed are not mine and are a result of identity theft. Ive filed an FTC report on the matter and have requested proof that such debt is linked to me or authorized by me. Equifax has failed to give such proof. 
Ive also never authorized any company to sell my information. 
I have mailed out dispute letters and have not received any feedback.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report on this day over almost 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) of the Fair Credit Reporting Act, it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been almost 60 days as a result they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Mortgage

Per Loan Servicer ( LoanCare ) 's instruction on PMI removal, I sent in a check in XXXX which the servicer cashed on XXXX. XXXX, XXXX as the payment for requesting appraisal for the updated home worth. Though promised to have written communication about this in 60 days, I 've not heard a thing from them. <P/>My concern is that it 's not in their interest to remove PMI as they should, so they deliberately cash the check and not doing anything as I pay monthly PMI during the delay. I feel my rights violated and being played by big loan company.
Product: Debt collection

I am disputing the Caine & Weiner account reported on my XXXX, XXXX and XXXX credit file because it is unauthorized and inaccurately listed. This account does not belong to me, and its reporting violates the Fair Credit Reporting Act ( FCRA ). 

I first noticed the account on XX/XX/2024 and immediately reviewed my records to confirm that I do not owe this debt. I did not authorize this account, nor have I had any dealings with Caine & Weiner. Since this debt is not mine, its presence on my credit report is incorrect and unfairly damaging my credit. 

XXXX, XXXX and XXXX is required under the FCRA ( 15 U.S.C. 1681i ) to ensure that only accurate and verifiable information appears on my credit report. I am requesting that this account be removed immediately. 

I expect a response within the legally required timeframe and will escalate this matter if it is not resolved.
Product: Credit reporting or other personal consumer reports

On my credit report is a lot of inaccurate information such as names, addresses, and employment and inquiries. 


Experian, XXXX, XXXX Subject : Dispute of Inaccurate Information and Inquiries on Credit Report I am writing to formally dispute inaccurate information and unauthorized inquiries reported by your company on my credit report. Specifically, the following items are incorrect : 1. My name is not XXXX XXXX. This is inaccurate 2. XXXX XXXX XXXX XXXX XXXX  is not my address. XXXX These items are inaccurate and misleading. I kindly request that you investigate this matter and correct or remove the incorrect information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please confirm in writing once these inaccuracies have been corrected. Attached are copies of my credit report and any supporting documentation relevant to this dispute. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I sent 2 quickpay payments to the wrong number, one charge for {$160.00} and another for {$45.00}, therefore the money went to the wrong person. I contacted Chase customer service while the transactions were still pending in my account and asked them to cancel it, they then stated they couldn't do so since I was the one that initiated it, that it was my responsibility and fault for sending it to the wrong number, and that they were " sorry '' that I was out {$200.00}. The suggested I tried contacting the number that I sent the money to, which I already had done, I called and texted them asking them to please return the money, they never responded and why would they? Chase is allowing them to keep {$200.00} with no consequences. While I do understand that it was my fault for putting in the wrong number I don't see why they couldn't cancel the transaction since it was still pending. All I want is the money back, I've been with Chase bank for 11 years and have never committed this type of mistake in the years I've been using quickpay.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the Equifax data breach I attempted to obtain my free credit report ( via internet ) from the three credit reporting companies. On XXXX XXXX, XXXX I was able to get my credit report electronically from XXXX, but was unable to do so from XXXX and Equifax. On that date, I mailed the Annual Credit Report Request Form ( including required IDs ) to Equifax and XXXX. 

On XXXX XXXX I received my credit report from XXXX, but to date ( XXXX XXXX ), I have yet to receive any correspondence from Equifax. I have tried calling several times, but my call has been disconnected. There were errors on both my XXXX and XXXX  reports and I 'm concerned that there are errors on my Equifax report, but I have no way of finding out. 

Please advise on the best way to obtain my credit report from Equifax.