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

I am XXXX XXXX XXXX and I am submitting this complaint myself. Upon reviewing my updates, incorrect information was found still in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Subject : Unauthorized Reporting and Harassment - Removal Request Dear Credit Collection Services, I am writing to address not only the unauthorized reporting on my credit profile but also the persistent and unwarranted harassment I have experienced from Credit Collection Services via phone on multiple occasions. This letter serves as a firm assertion that I am under no obligation to engage in any business with Credit Collection Services. 

The Fair Credit Reporting Act ( FCRA ) violations, specifically in Sections 1681b and 1681e, have been previously outlined in my correspondence. In addition to these blatant violations, I must bring to your attention the unwarranted and intrusive phone calls, constituting harassment under the Fair Debt Collection Practices Act ( FDCPA ) Section 806.

I firmly assert that I do not give permission for Credit Collection Services to contact me any longer. This includes, but is not limited to, phone calls, emails, or any other form of communication. My request for the removal of the unauthorized item from my credit report does not obligate me to endure continued harassment.

Upon the successful deletion of this unauthorized item from my consumer profile, I explicitly state that Credit Collection Services may no longer furnish or provide information to third parties regarding any details related to me or my consumer report. This extends to any data collected during the unauthorized reporting period. 

I expect Credit Collection Services to respect my rights and promptly cease all forms of communication. Failure to do so will be considered a violation of both federal and state laws, leading to potential legal consequences. 

Please provide written confirmation that my request for the removal of the unauthorized item has been actioned and that Credit Collection Services acknowledges the cessation of all communication. 

Done in good faith.
Product: Consumer Loan

My car company American Honda Finacial has contacted my job after told not to! I work at a hospital and I can not have any personal calls come through on the company phone. American Honda Finacial keeps calling my job and my Director told them they can not call the hospital phone. I have also recently spoken with Anerican Honda Finacial Repersenatives and had told them orally not to call my job and gave them an updated number and point of contact on XXXX XXXX, 2016. I also made a payment agreement! However, I am feeling unsafe that my Truck has a recall with airbags that Honda has yet to replace and fix! They say I have to wait for my second recall later! Any any of my payments were late I was trying to safe as much money as U can as a XXXX Mom to buy a much safer vehicle ASAP. The though of an airbag and Sharp metal pieces taking the life 's of anyone in the vehicle!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to Lexis Nexis several times with concerns of inaccurate reporting on my credit file. After several attempts to rectify the issue directly with the Bureau I feel it is time I escalate the issue as I am not seeing satisfactory results or nearly any results at all.

Not only have they completely ignored my requests but they also intentionally make it extremely difficult for consumers to access the data they report on them via a consumer file.

As you will see in the supporting detail, Lexis Nexis is illegally reporting unverifiable and illegitimate information on my consumer file regarding a Bankruptcy. I am curious as to how they can confirm such information belongs to me while still adhering to the FCRA policies. I have asked them on numerous occasions to provide me with their methods of verification and they are unresponsive. I reached out to the source they have listed as the furnisher of information which is the Bankruptcy Court and they notified me promptly that they do not and have not furnished any data to this Bureau or any other. 

It is my understanding that if a XXXX can not verify the information they report according to the FCRA it must be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan and was denied because my credit score was reported by Experian at XXXX to police and fire federal credit union. Experian states my credit score is XXXX as XX/XX/2023. The credit union will not take my report sent to me by Experian stating XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX have been reporting inaccurate information on my credit report. 
My XXXX Account # XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXXXXXX # XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXX XXXX XXXXXXXX was charged off as of ( XX/XX/XXXX ). 
My XXXX XXXX XXXX XXXXXXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( XXXX ) : XXXX Bank - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion has been reporting inaccurate information on my credit report : My XXXX Account was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXX was charged off as of ( XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXXXXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXX XXXX XXXXXXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 

Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( XXXX ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been reporting inaccurate information XXXX my credit report : My XXXX XXXX XXXX XXXXXXXX ( Charge off date XXXX, XXXX ). 
My XXXX XXXX XXXX XXXXXXXX ( Charge Off date XXXX, XXXX ). 
My XXXX # XXXX ( Charge Off date XXXX, XXXX My XXXX XXXX XXXX XXXXXXXX ( Charge Off date XX/XX/XXXX. 
Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( XXXX ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of Urgent Disputing Items are as follow ( in the order of listed on my credit file with Trans Union ). Please remove the following item as soon as possible entirely.Because I never authorized these inquiries. 
1.XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX/XXXX  ( XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is reporting transactions and experiences on my consumer report which include late payments, Past due amount, Original balance, Monthly payment, Terms, balance, credit limit and monthly payment from the following company : XXXX XXXX  Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) transactions or experiences are not to be reported on a consumer report and pursuant to 15 U.S. Code 1666b a payment on a credit card account under an open end consumer credit plan is not to be treated as late for any purpose. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. This company and their inaccurate reporting have damaged my livelihood.
Product: Money transfer, virtual currency, or money service

I used CashApp to purchase an item online, the purchase pended for XXXXXXXX XXXX and ultimately was completed. Upon checking my email, I had no receipt or confirmation of the payment from the vendor. I email them, explain the situation, and they tell me they didn't receive the payment on their end and to dispute this charge with CashApp. I screenshot this email thread and forward it over to CashApp, to which they deny on XXXX occasions.
Product: Credit reporting or other personal consumer reports

Experian sold me a premium membership based on phone support and no phone support was provided under this premium service. 

Experian continued to charge my credit card {$24.00} a month for 3 months after I attempted to cancel. I never used the service as phone support doesnt exist with Experian and wasnt provided after nu

merous attempts. I believe a class action case against Experian is needed to request a refund for all of these premium services fees they charge for phone support that they dont provide.
Product: Credit reporting or other personal consumer reports

I seek your assistance in addressing the inaccurate account listed on my credit report. This issue has been raised because the information is harming my reputation, and I urgently need your help to rectify it.
Product: Credit reporting or other personal consumer reports

Accounting and Credit Reporting Department To Whom It May Concern This letter is to inform you that upon viewing my credit report, I noticed different companies were listed as a derogatory mark of collections. I do not remember ever making an agreement or a business relationship with these companies ; they are all inaccurate. As of today, I have no memory of receiving a dunning letter from anyone asking if I wanted to dispute the debt in the account. Please accept this letter as my formal dispute of these accounts. I am also requesting that you provide proof that I owe this debt, Purchase ag

reement with my signature. Under the Law 168e compliance and procedures I want to ensure all the information on my credit report is 100 percent accurate
in accordance with consumer law. I investigate and delete any information that is reported or not and is not 100 percent accurate. 
Account Name : XXXX  # XXXX XXXX  # XXXX  XXXX/ # XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  # XXXX XXXX/XXXX  # XXXX I am hereby instructing you to cease collection of the debt until you resolve this possible reporting error with the creditor. I am asking that you not contact me nor anyone else except the original creditor about this collection. 
In addition, I want to ensure that you are following the laws under the FDCPA ( Fair Debt Collection Practices Act, and FCRA, so I want to ensure that you do not prematurely report anything else to the bureaus until you have furnished proof to me that the account is valid. 
Also, I will need you to famish the following items to ensure accuracy in the reporting. Failure to furnish the following information will result in me not accepting validity and accuracy in the account. Please furnish : Proof that they are licensed or legally authorized to collect on a debt in my state. Proof of your bonding agent in the event where I must seek counsel. Proof of your authority in the collection process ( debt buyer, 3 party, etc ). Proof that the original creditor authorized you to collect on the debt on their behalf. The original creditor 's name. Details on when the account first went into a delinquent status since that is the date required as OPEN DATE on the collection account. ( Etc etc. Be reasonable in the request ) Please do not contact me until you have collected and sent this information to me by the address on this letter. You do not have authority to provide this address to the credit bureaus as an updated address for the account. If you provide these within a reasonable amount of time. then you may contact me on the phone number ( XXXX ) between the hours of XXXX XXXX Mon-Tue.Please note that any calls outside of these hours to discuss these matters are a direct violation of my rights. Sincerely XXXX XXXX  XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX both are illegally adding and reporting false information from credit companies that I never signed any contract with and have absolutely no dealings with in general. No legal contract can be produced for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX. In Addition no data was furnished or producible to validate any legal contract binding to agencies acting on behalf of other companies therefore no legal contract is made! Erase these items from my credit and reprimand the reporting agencies for continually and knowingly adding these false entries after deletion!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

XXXX XXXX, {$480.00} XXXX XXXX  {$970.00} XXXX XXXX, {$1100.00}
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are instances of late payments recorded on my account. I am writing to request the removal of these late payments from my credit report. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I ordered my free annual credit report from Experian. I also decided topay {$4.00} to obtain my FICO score. I received both. Experian then usedmy credit card info to bill me {$19.00}. I do n't know what for and theyrefuse to tell meunless I give them my social security number and birthdate over thePhone - in addition to my name. I gavethem my name and SS # but birthdate too was too much to divulge to strangers over the phone. They have no contact for billing issues. I saw multiple complaints for the same issue from others online. It looks like they are signing people up for services without authorization andthere is no way to address it with them. If you do n't pay, they 'll destroy your credit rating. I am trying to dispute it thru my credit card co but Ido n't know if that will be successful. I could use some help.
Product: Checking or savings account

On XX/XX/XXXX a purchase on ( XXXX XXXX for XXXX XXXX retail price was XXXX, but seller discounted XXXX for the XXXX XXXX sale ) for a XXXX XXXX was authorized. ( Payment was submitted to seller via XXXX  ). According to the seller 's website, the item was back ordered and no estimate date of delivery was provided. Was advised that the delivery date would be provided when the item became available. 
I suspected fraud/scam and emailed the merchant at XXXX, which was the email provided on the seller 's website, to cancel the order. The seller responded and asked for the order number and I never responded again. 
So, I immediately filed a dispute with USAA, and provided all necessary information. Over 45 days had passed, so I contacted USAA for an update. I was told that a letter was mailed to my physical address requesting additional information to investigate the dispute. Information such as the description of the merchandise, expected date of delivery and any correspondence with the merchant. That letter was never mailed to my home. I requested that the representative send it on my e-documents, which he did. I provided all requested information for the dispute to this representative. ( I don't remember his name ) I had issues with the website and uploading the documents so I contacted USAA again. 
While on the phone with USAA, the representative, XXXX entered all information and I uploaded the correspondence I had with the merchant. He assured me that was all that was needed. 
I didn't receive any updates from USAA so I called again and I spoke with XXXX on XX/XX/XXXX. She first advised me that all requested information was entered into the system by the previous representative, XXXX, then said I didn't provide adequate information for the investigation to be completed. I was told by XXXX that she would request a follow up and would forward my info to the disputes department. Conveniently 24 hrs later I received a message stating that USAA that the transaction was legit and the dispute is closed. I called again and this time spoke with XXXX on XX/XX/XXXX. He told me the dispute was closed because I didn't provide adequate information, not because not USAA actually investigated and found the transaction to be legit. I have spoken to numerous reps on numerous occasions and nothing has been done to properly investigate. 

BOTTOM LINE. I AUTHORIZED A PURCHASE. POST AUTHORIZATION I SUSPECTED FRAUD/SCAM AND REQUESTED CANCELLATION OF THE ORDER. I HAVE NEVER RECEIVED THE MERCHANDISE OR A REFUND. THE MERCHANT NO LONGER EXISTS, NOR DOES THE WEBSITE OR ANY OF THE CONTACT INFORMATION RELATING TO SAID MERCHANT. I DISPUTED THE CHARGE WITH MY BANK DUE TO SUSPECTED FRAUD, AND USAA FAILED TO FOLLOW THE PROPER PROCEDURES TO RECTIFY THIS ISSUE. I HAVE CONSISTENTLY PROVIDED ALL INFORMATION REQUESTED BY USAA. I HAVE MADE NUMEROUS ATTEMPTS TO RESOLVE THIS ISSUE, TO NO AVAIL.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit reports : XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

My name is XXXX XXXX. I opened an account at BBVA bank which was subsequently acquired by PNC Bank. On XX/XX/2021, payment of {$3100.00} for work performed for one of my clients was deposited in my account ( account # XXXX ). On XX/XX/2021, PNC removed the funds from my account. I subsequently received a notice dated XX/XX/2021, indicating that my account had been closed. 
Subsequent discussions with PNC personnel were an exercise in frustration since they would not return my funds nor provide an explanation why they refused to do so. After approximately XXXX hours of talking to multiple employees at the branch and other locations I was referred to, I received a cashiers check for the amount belonging to me. I deposited the cashiers check in my account at XXXX XXXX XXXX  and quickly learned that they placed a stop payment on the cashiers check. 
I have not received my funds and PNC personnel continue to be unresponsive on why my hard-earned funds are not being returned. Accordingly, your assistance on this matter would be appreciated. 
Attached are copies of the PNC account statement reflecting the removal of the funds from my account, the notice that my account was closed, and the statement from XXXX XXXX XXXX indicating the reversal of my deposit due to the PNC stop payment on their cashiers check.. 
Thank You for your assistance.
Product: Credit reporting or other personal consumer reports

Thank you for taking the time to remove some of the fraudulent items from my file that resulted from alleged fraudulent activity. However, there are still items remaining that need to be addressed. I was a victim of fraudulent activity and this is another request to remove the items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy : 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 XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This letter is to notify you if you do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with Experian credit reporting agency regarding an credit card which was closed in XX/XX/XXXX due to me filing bankruptcy. 

In XX/XX/XXXX, the creditor reported the account again as if it made an update or change to the account status which decreased my score by 21 points. 

The account status should not have been changed because the account is in active bankruptcy and no payments have been missed in the bankruptcy which mean no updates should have occurred on the account. 

However, Experian supposedly disputed the item given me until XX/XX/XXXX to complete it. On XX/XX/XXXX, I received an alert from Experian stating the investigation was complete. My score went back to the previous score. Then, within an hour, it went to the negative score and did not give me a reason why it changed again and now I can not dispute it again.