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

In accordance with the Fair Credit Reporting act utility company XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX has violated my rights. 

15U.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 an account without my written instructions. 

I have tried to explain to the companies that I have been a victim of identity theft and these accounts can not be reported to the credit bureaus because they are inaccurate, I have not received any response from XXXX, and I am not able to get any help from XXXX.
Product: Credit reporting or other personal consumer reports

There is some inaccurate or False information on the XXXX XXXX with the account number XXXX that is reporting on my credit report. 

First, this is a closed account, but this account is not reporting the date this account was closed. 
Second, the Balance ( {$20000.00} ) is bigger than the High balance ( {$10000.00} ) This is because there was a fraudulent charge made on this account. 
Third, The Payment History does not report a XXXX days late before this account was Charge off by the account provider. 

This situation is affecting all my financial life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX Trans Union Customer Service XXXX XXXX  XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam, I am writing to dispute an item on my credit report. I have requested validation of this debt but have not received it. 
Under federal statute15 U.S. Code 1692g of the Fair Credit Act that requires debt validation. I am entitled to request validation of any debt listed on my credit report within 30 days of such request. I have made this request but have not received any response from Trans Union or XXXX. 
I am requesting that Trans Union and XXXX remove this item from my credit report or face litigation for noncompliance of federal statue.

Thank you for your attention to this matter. 
Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian Credit Bureau for their failure to adequately investigate a dispute I raised concerning my credit report, and their subsequent denial of my attempts to address this inaccurate reporting. I believe that Experian 's actions violate several provisions of the Fair Credit Reporting Act ( FCRA ). 

Summary of Issues : 1. Failure to Properly Investigate Dispute : I filed a dispute with Experian several times regarding the following account : Account info Account name U.S. DEPARTMENT OF EDUCATION Account number XXXX Account type Education Date opened XX/XX/XXXX I have never been late paying this account and this account has never been in collections. 

Despite my efforts to provide relevant information, Experian failed to conduct a thorough and proper investigation. 

2. Failure to Provide Verification Documents : In accordance with FCRA, upon disputing a particular debt, I have the right to request and receive documents that the credit bureau uses to verify said debt. I made this request in writing several times since XX/XX/XXXX, but as of XX/XX/XXXX, Experian has not provided these documents. 

XXXX. Denial of Continuation of Dispute Process : Despite the discrepancies in my report, Experian has denied my attempts to further dispute the inaccurate credit reporting. This has not only affected my credit score but also potentially limits my financial opportunities. 

Violations of Fair Credit Reporting Act : 1. Section 611 ( a ) ( 1 ) : This section mandates that upon the receipt of a dispute, the credit reporting agency must " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. '' Given my experience, I believe Experian did not comply with this requirement. 

2. Section 611 ( a ) ( 2 ) ( A ) : Following a dispute, credit reporting agencies are required to provide notice of the results of the investigation to the consumer. I was not adequately informed of the specifics of their investigation or the reasons for their conclusions. 

3. Section 611 ( a ) ( 6 ) : This section emphasizes that a consumer has the right to add a statement to their file disputing the accuracy or completeness of the information. Experian 's denial of my continuous attempts to dispute violates this provision. 

4. Section 609 ( a ) ( 1 ) : This section asserts that if a consumer requests information on them held by a credit bureau, the bureau must disclose it. Experian 's failure to provide me with the requested verification documents contravenes this provision. 

I urge the Consumer Financial Protection Bureau to investigate these matters and ensure that Experian abides by the laws set forth by the FCRA. This is crucial not just for my personal interests, but to ensure the integrity of the credit reporting process for all consumers.
Product: Credit card or prepaid card

I am writing this after learning that my typical 845-860 credit score dropped to XXXX! You can understand how upset I am to see this occur as a XXXX who has had almost perfect credit scores her whole life. The reason for this credit score drop was a result of a past due delinquency in my credit files that was reported by XXXX XXXX XXXX XXXX XXXX Credit Card. This late payment was due to the fact that I opened up a XXXX XXXX card in XX/XX/2018 for a {$8.00} purchase, actually as a favor to the sales girl making a pitch. I never received a statement and didnt even receive the credit card. I called in XX/XX/XXXX after I saw that something was going on with my credit report as I was advised my credit score dropped to XXXX. The first thought was that someone had stolen my identity, but after pulling my credit report, I saw it was due to a " delinquency reported by XX/XX/XXXX. Of course, I got in touch with XX/XX/XXXX and paid the bill in full, including all late fees, after realizing this situation and advised their representative that this oversight was as a result of not ever receiving a statement. I did not receive a statement for this new credit card. I have many personal and business credit cards as I own my own business so when I dont receive a statement, I do not think there is a balance due. 
As you can understand this late payment reporting for an initial {$8.00} ( yes XXXX dollars ), has adversely affected my credit record which I rely upon as a minority certified business owner in Florida. I sent a letter to customer service requesting a revision of this delinquency as I never received the statement after opening this new account and to date have not even received the credit card. They denied my request. I urge you to please check my credit history and see that I have had excellent credit throughout and see the unfairness from this bank. They have terrible reviews and testimonials that support their poor business practices. I thank you for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022, I discovered that I have been a victim of identity theft. I've been able to verify fraudulent charges from my XXXX XXXX account, lines of credit opened in my name, and additional activity with my identity. I have reached out to the original creditors and provided copies of my Identity Theft report from the Federal Trade Commission and XXXX report from local law enforcement to each creditor/company to clear me of any debt due to fraud/identity theft. I also sent those same copies to XXXX, Equifax, and XXXX in order to have the fraudulent accounts and debt to be removed from my file. After relentless calls to each of the XXXX Credit Bureaus it has been verified that the supporting documents have been received, but each bureau still reports that the accounts have been verified as accurate after investigating my disputes. I placed a security freeze/fraud alert with all three bureaus, yet I still have an outstanding number of inquiries on my file, along with inaccurate personal information. I am also listed as being apart of a data breach with Equifax. I also understand that my rights have been violated under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Consumer Credit Protection Act. Especially under Title 15 U.S.C. 1681 and plan to take legal action.
Product: Checking or savings account

I was approved for checking moved my ssi ssd. TruistBank unfair banking practices The company claimed after the accounts opened. Closed all my accounts after a verified credit checked Your company is liable for the loss of work. Transportation and distress
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was sold from XXXX XXXX XXXXXXXX to XXXX XXXX who sold the debt to XXXX XXXX XXXX. I know this because I called XXXX XXXXXXXX XXXX to make the payment, who sent me to XXXX, who told me they did not have this account with me, which explains why I never received any collection activity from them. They sent me to XXXX XXXX XXXX. This debt was paid in full to XXXX XXXX XXXX on XX/XX/2001. This is not an OPEN account with XXXX XXXX. XXXX XXXX has no right to have this account listed on my credit report which is exactly why NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. Yet all 3 National Credit Reporting Agencies XXXX XXXX, Experian, XXXX ) continue to ignore my disputes and continue to mark it as verified as accurate. When, in reality, they can not even accurately or LEGALLY VALIDATE the account. I have reported this account multiple times and the investigation has never yielded true and accurate results. Therefore, we are well beyond the 30 day limit that the reporting agencies have to investigate, and I demand it be removed immediately! 

The inaccuracy of this account has affected my ability to get a credit card, a loan, a mortgage, and it is negatively affecting my military security clearance!
Product: Credit reporting or other personal consumer reports

Errors on my report show late payments that contradict my regular payment pattern. Please update.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2021, I contacted CFPB because I assumed the credit cards I had opened were not being reported by the companies. I was wrong. 

They WERE reporting to XXXX, XXXX, and Experian, but EXPERIAN refuses to report the credit correctly. 

I have 8 open revolving credit cards. I have 2 cards with XXXX XXXX  XXXX, one with XXXX, two with XXXX XXXXXXXX, one with XXXXXXXX XXXX, one with XXXXXXXX XXXX. 

I have a line of credit with XXXX, as well as XXXX XXXX XXXX, which is over two years old, and almost paid off. 

None of these open lines of credit are being reported on Experian 's credit report. I have asked them over and over, and even spoken to a supervisor regarding this.

The credit score is XXXX points LESS than XXXX 's. This I can not understand. 

XXXX, the same. Why does XXXX report all of my credit lines correctly, and Experian and XXXX XXXX do not? I need help. 

I intend to fight to get this corrected because they are are deliberately hurting my ability to qualify to buy a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was so stress it's almost 60 days now since I've sent my dispute for those unknown and inaccurate account on my credit report but I haven't received any response. I demand to REMOVE immediately those accounts or I will file a litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Credit Management has repeatedly called my phone number, both asking for me and asking for people I do not know, at unacceptable hours, such as the phone call at XXXX this morning on XX/XX/19. They claim that they have an address in a time zone that would put them calling at XXXX, but that address hasn't been used in over 2 years, and if they did their research and had correct information, they would discover that we never even lived there while we were traveling for work overseas and that it is nothing but a mailing address to a postal box while we were traveling for work overseas. I have asked them repeatedly not to call during business hours as I can not take phone calls at work and not to call in the middle of the night. I have asked them not to call asking for the other people that they are calling as I do not know them. I have also explained to them that we are in the process of filing bankruptcy but they do not care. In all of the above instances, the just ignore my requests and continue to call whenever they want in a very obnoxious and threatening manner. I have recorded several of the phone calls and have them logged into my phone records that are time-date stamped. 

I asked them again not to call me every again. Although " XXXX '', they Midland Credit Management guy from XXXX, gave me a call back number of XXXX, it showed up on my caller ID as XXXX, a phone number from the XXXX AZ area. 

I talked to my attorney right after this happened and he will be filing a lawsuit against Midland Credit Management this coming week.
Product: Debt collection

We have 2 futurniute accounts with Conn 's and both my husband I keep get phone calls. We have made a current payment which made the both account. My husband has spoken to a supervisor about this two weeks ago and was told that is payment would like the account current We need to change the due date and now they would change the dates .and the rep won't put the current Infomation in the notes. My husband fell behind on the payment because he changed job they would told. This both my husband and are so tried of telling this people this.and they won't do the right thing and they keep calling demand payment and asking for my husband credit card for payment.and when I tryed to ask for Infomation on this account I was told that I had to file out a form am on both account. Both of us are tried of hassarring phone calls.my husband get paid monthly now not bi weekly an they can't seem to get though thier heads
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a dispute letter XX/XX/2020 with no response at all
Product: Consumer Loan

I called in to get a payment arrangement set up on my account and spoke to a representative by the name of XXXX. He was extremely rude and very hostile during the entire conversation. He kept asking questions like why I was n't able to make my payment on time, that when I signed up for the loan I agreed to make the payment on time, etc. I explained to him that I paid majority of the car note and that the automated system gave me until XX/XX/XXXX, that I needed until XX/XX/XXXX which was my pay day to make the payment because I did n't want to fail the payment arrangement. All I needed was 3 days more, the rep became even more rude and began talking to me in an inappropriate manner stating I should n't need the additional time and that I need to keep the arrangement or see if I can get the money from someone. I asked to speak to a manager because he was being rude and he stated he was a senior rep. He stated I have a sub-prime loan and that his company already took a risk at giving me a loan so I need to make my payments as agreed. I began to raise my voice and get out of character with him because I could n't believe he was actually talking to me as if I was a nobody and the money came out his pocket. I 've had my vehicle since XX/XX/XXXX and this was my first payment arrangement, I have never been late on my car payment. Every time I call this place, the reps are nasty and talk to you like you are trash. I asked to speak to management after dancing with him verbally for a few minutes and they gave me the extra days without a problem. I can never get what I need resolved without constantly enduring the lack of customer service from the rude, condescending, very judgmental collections representatives that work for Credit Acceptance. They act like they hate their jobs and the money is coming directly out of their paychecks to finance the customers they have to service. They call you constantly with their automated dialers and they will harass your references as well. Then when you call then to ask then to stop with all the calls, they will have the nastiest attitude. We already know when our payments are due, we do n't need calls 10 times a day and we do n't need our references to be harassed as well. I do n't need my references in my business and knowing when my payments are due. Especially dealing with the reps nasty attitude.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$4800.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$4800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX  - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App has failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Additionally, their dispute resolution process has been unfair and deceptive, as they did not comply with the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and its regulations. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I have not had a XXXX account since XXXX and yet they reported me as having a debt that was turned in to collections in XXXX of XXXX for {$280.00}. I have not reached out to them because I don't have an account with them to verify who I am. The debt they are trying to collect has got to be identity theft or something because I have had a XXXX XXXX cell phone from XXXX for several years now. I can show records of my payments to XXXX XXXX  through my bank because it gets automatically taken out. The collection agency that is on my credit report is called XXXX XXXX XXXX.