23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I contaced solofunds and there banking platform XXXX  and there bank XXXX XXXX several times to revoke autorization of ach transfers from my bank account or debit card XXXX XXXX XXXX said i had to go through solofunds which i did on several occasions even got an attorney involved they told me i could not revoke which is totally false i can revoke at any time after a week of arguing with them through text and email because this is the only way to get ahold of them they still took XXXX XXXX from my account after i revoked i am preparing to take them to court this platform thinks they dont hve to follow the law clearly they told me i could not revoke they have no way to contact them except email and text i asked several times for there contact information and they refused to give it to me so i asked for there attorneys contact info same result nothing
Product: Debt collection

Please see My attached With Prejudice as a Memorandum for the Record dated XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with XXXX XXXX XXXX from XX/XX/XXXX and paid the loan off in XX/XX/XXXX. I paid the monthly payment of XXXX every month on the same day for the entire time I had the loan until it was paid in full. However, on my credit report, XXXX XXXX reported I was 30 late on the XX/XX/XXXX payment and 30 days late on the XX/XX/XXXX payment. 
Since this loan was on auto-pay, it was paid on time and monthly payments were always made. I only recently discovered they reported incorrect information to Experian, XXXX, and XXXX as I am dealing with another problem affecting my credit. The credit agencies have been all but impossible to deal with. I've spent hours on the phone and with supervisors, the same with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY DISPUTE FROM CFPB COMPLAINT ON XX/XX/2023 SHOULDVE BEEN UPDATED AND REMOVED WITHIN 4 BUSINESS DAYS. REF NUMBER : XXXX PER LAW : 15 USC 1681 ( a ) 1 ( 2 ) ( 3 ) ( 4 ) ( b ). I was not treated fairly and these fun fair credit reporting methods undermine my confidence as a consumer which is essential to the banking system and the banking system is dependent upon fair and accurate reporting. My reputation, character, credit standing, credit capacity and credit worthiness I have not been able to obtain efficient credit, insurance, employment or housing as well as suffered from mental anguish, stress, XXXX and marital problems.
Product: Credit card

This inquiry on my credit report was not authorized by me. Please remove all inquiries off my credit report Im a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX and Equifax to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and Equifax are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX FL XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is misreporting our PAID auto loan as a delinquency as retaliation for filing a previous CFPB complaint we filed concerning an error that occurred at the end of our lease. As evidenced in the screenshots provided, the tradeline previously correctly showed the payment status as " Current. '' After we rightfully filed a CFPB dispute to address a payment error they made at the end of our lease, they updated their reporting to reflect the account as delinquent 60 days on TransUnion and XXXX and 90 days delinquent to XXXX on both mine ( XXXX ) and my husband XXXX 's credit reports. The account was brought current in XXXX of 2020 and is PAID IN FULL. This retaliatory behavior is unjust and needs to be corrected.
Product: Debt collection

Recently a complaint was resolved between me and United Collection Services on XX/XX/2017. 

CFPB Complaint:XXXX The terms which were made by Manager XXXX XXXX XXXX ( XXXX ) stated that my collections would cease and that all reported information to the credit bureaus would be deleted entirely. It is exactly 20 days later and the fraudulent collections are STILL being reported on my XXXX credit report preventing me from acquiring new credit. 

Please confirm the removal of all collections and forward them to either me or the CFPB.
Product: Credit reporting or other personal consumer reports

My credit report and identity has been illegally exposed and breached I am requesting removal of everything on my report due to identity and illegal flagging
Product: Student loan

Access Group is incorrectly classifying a payment as late, when it occurred on the very month that my loans were transferred to another servicer. They are using it as an excuse to deny me a lower interest rate.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it 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 XXXXXX/XX/XXXX
Product: Debt collection

Dear Kessler & willians This is my response to your notice about a debt. You report in my credit report information about a debt amounting to {$640.00} due on XX/XX/24 to the original creditor XXXX XXXX lam not responsible for the debt you're attempting to collect. 
If you have proof and a good reason to believe that I am responsible for this debt, please mail me the relevant documentation, including ( but not limited to ) : Proof you are licensed in Connecticut to collect on this debt. 
Final statement or bill showing the amount I owe. 
Contract that I signed proving this debt is mine. 
Details about the last action taken on this account + proof. 
Please record that I dispute any ownership of this debt and stop all other communication with me and this address. If you stop collecting on this debt and forward it to a separate company, please let them know that I disputed it. Please also report my dispute to the credit bureau if you will report ( or already have reported ) this debt.
Product: Credit card or prepaid card

On XX/XX/XXXX I have re-submitted to Synchrony Bank two disputes for overbilling from XXXX XXXX XXXX on two different orders ( disputed amount of {$120.00} on order # XXXX ; disputed amount of {$630.00} on order # XXXX ). I have sent all required documentation for both disputes at the same time ; I phoned in on XXXX and the operator over the phone confirmed that all documentation was received by XX/XX/XXXX. Synchrony Bank has resolved the dispute of {$120.00} but has not resolved the dispute of {$630.00}. I have received a letter stating that Synchrony Bank attempted to reach me to obtain the required documentation, which is not true. In fact, on XXXX the operator confirmed that all documentation was received for both disputes. I phoned in again on XX/XX/XXXX and discussed this ongoing problem with the operator ( his operator ID is XXXX ) who confirmed that all documentation was received on XX/XX/XXXX and was unsure as to why the specialist on the case sent a letter stating that the required documentation was not received. The operator sent back the case to the specialist for resolution of the dispute for {$630.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which is caused severed XXXX upon and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15. U.S Code 1681 e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were % 100 accurate under 15. U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. 

Account info CREDIT ACCEPTANCE CORP Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Open. {$5400.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Past due amount {$5400.00} Original balance {$11000.00} Monthly payment {$0.00} Last payment date XXXX XXXX, XXXX Additional info Responsibility Individual Terms
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX
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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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: Credit reporting or other personal consumer reports

I have disputed inaccurate information on my credit report with TransUnion, XXXX, and XXXX several times, but the errors still remain unresolved. Despite multiple attempts, the credit bureaus have not corrected the discrepancies. 

15 USC 1681i ( a ) ( 1 ) ( A ) : This challenges the failure to complete a reasonable investigation within 30 days, which has led to inaccurate information staying on my credit report.

15 USC 1681i ( a ) ( 3 ) ( A ) : This challenges the lack of providing a complete investigation report, including supporting evidence for the disputed items.

15 USC 1681i ( a ) ( 6 ) ( A ) : This challenges the failure to notify me of the results of the investigation or provide information on actions taken regarding my dispute.
Product: Debt collection

Phoenix Financial Services has been repeatedly harassing me with consistent unwanted phone calls in order to try to collect on a debt that I do not owe. They use different phone numbers. 

I have written them on XX/XX/2021 to cease and desist these unwanted phone calls, but they have refused to do so. 

They sent me a letter on XX/XX/2021 stating that they are in receipt of my letter and asking that for an account number. I have no account number to give them. 

Recently, using the phone number XXXX, they called on : Monday, XX/XX/2021 at XXXX XXXX  Wednesday, XX/XX/2021 at XXXX XXXX  Using the phone number XXXX, they called on : Monday, XX/XX/2021 at XXXX XXXX  Using the phone number XXXX, they called on : Wednesday, XX/XX/2021 at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DO NOT CLOSE I HAVE NOT MADE A COMPLAINT LIKE THS My name is XXXX XXXX. I am not a third party. I am making this complaint on my own behalf. I was a victim of identity theft and see all the fraudulent unauthorized accounts on my report. I already contact the creditors and got the accounts closed. I also see unauthorized addresses on my report. Again I am not a third party. FRAUDULENT ADDRESS : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Credit cards opened by thief : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Debt collection

Bank of America marked in account as charged off in XXXX but does not have accurate payment history for years XXXX. 
Bank of America reported the account late in XX/XX/XXXX, did not report any data on XX/XX/XXXX and no further data on the account for the remaining in XXXX XXXX. Bank of America marked the account charged off XX/XX/XXXX. 
Please remove this for inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to XXXX ACCOUNT ending in XXXX : The debt associated with this account was settled and paid in full in XX/XX/XXXX. I have the receipt which was sent to me from XXXX documenting the account debt was settled and the remaining balance was paid in full. 

I spoke with a supervisor at XXXX on XX/XX/XXXX who reported that upon looking at my account on this date, it showed NO BALANCE. 

I have my most recent credit report from XXXX showing that XXXX is still reporting a balance of {$6200.00}, however accurate information has been reported to XXXX and XXXX showing a balance of {$0.00}. 

I also have the results of the dispute I filed with XXXX XX/XX/XXXX with results reporting : " We have researched the credit account. Account # - XXXX The results are : THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *DATE OF MAJOR DELINQUENCY XXXX REPORTED *ACTIVITY DESIGNATOR *HISTORICAL ACCOUNT INFORMATION. If you have additional questions about this item please contact : XXXX XXXX, XXXX  Disputes, XXXX XXXX XXXX, XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX '' I have requested to have a XXXX report sent to me by ELAN to submit with XXXX taxes XXXX times since the debt was paid in XX/XX/XXXX, with no report ever sent to me, despite confirming my current address all three times. 

XXXX will not update the balance of {$0.00} with XXXX and it is impacting my credit. XXXX continues to blame XXXX. 

XXXX made to XXXX XX/XX/XXXX reporting XXXX needs to contact XXXX directly, however XXXX reports their dispute department has no land line and no phone number. 

I have all documentation showing receipt of payment, results of previous dispute, and current credit report.
Product: Credit reporting or other personal consumer reports

XXXX {$2500.00} This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Although XXXX and XXXX have deleted an old tax lean from 2012. Equifax has not complied with the new law.
Product: Credit reporting, credit repair services, or other personal consumer reports

candidate : XXXX XXXX XXXX XXXX ID : XXXX Order Date : XX/XX/2023 To whom it may concern : Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the following items on my criminal background report be re-verified and removed : Sterling Volunteers account Order ID : XXXX has violated my rights. 

I am writing to dispute inaccurate information on my background check by Sterling Volunteer and to request that you investigate and remove it from my file. 

For your reference, I have enclosed screenshots of my report which was recently provided by Sterling Volunteers. The background check report erroneously associates my identity with a record of someone else. Specifically, the report lists an XXXX name XXXX XXXX in that record. I request that you delete all references to the XXXX XXXX XXXX from my credit file because the record does not belong to me. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

CareCredit does not make clear their promotional for health care its very misleading and confusing. Its impossible to get a live person and when I did she didnt answer questions and didnt understand. I had a balance of {$1900.00} and few days ago they added {$580.00} interest to my balance. I got no warning at all. Am low income so this is very hard on me. If I had known I would of transferred my balance to a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX and Equifax on XX/XX/XXXX. It been well over 30 days, I still have not received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX and Equifax have 30 days to respond to my dispute. 

This is a violation of my rights I need all of the items I disputed removed from my credit report immediately. 

Items still on my report : XXXX XXXX XXXX Credit usage 97 % Balance {$5400.00} Balance Updated XX/XX/XXXX Credit limit {$5500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Line Of Credit XXXX XXXX usage 96 % Balance {$3400.00} Balance Updated XX/XX/XXXX Credit limit {$3600.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit Card XXXX XXXX  XXXX LATE XXXX XXXX XXXX 3 % Balance {$570.00} Balance Updated XX/XX/XXXX Credit limit {$16000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Credit Card XXXX  XXXX Balance details 3 % paid off Balance {$3000.00} Balance updated XX/XX/XXXX Original balance {$3100.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Unsecured Loan XXXX  Balance details 0 % paid off Balance {$35000.00} Balance updated XX/XX/XXXX Original balance {$36000.00} Account info Account number XXXX Open/closed Open Date opened XXXX XXXX, XXXX Account type Unsecured Loan XXXX These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.

The items in dispute are as follows : XXXX XXXX XXXX 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 Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

This letter serves as a formal notice of dispute for denial of credit for not allowing you to access my non public info and per 15 U.S. Code 1691 ( a ), ( b ) 2 It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction which is a violation per 15 U.S. Code 1. So, it is my intent to rescind the consumer credit transaction I entered on XX/XX/2024 for an open-ended line of credit involving the acquisition of the platinum credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are kept to be established as correct. I am in desperate need of these items to be INSPECTED and REMOVED. 


XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

After sending a dispute letter certified mail to Transunion regarding wrong accounts I received a statement back that they were verified. I sent a request again through certified mail requesting reinvestigation and verification and method of verification and have never heard back that was XX/XX/XXXX. The wrong accounts are XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX After requesting information several times theses accounts remain unverified Transunion needs to delete them permanently