23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request a reinvestigation of the dispute results associated with my credit report, File Number : XXXX, Date Issued : XX/XX/XXXX. Specifically, I am contesting the reporting of two accounts : XXXX XXXX Account ( Account # XXXX ) **, which was inaccurately updated with the statement : " We investigated the information you disputed and updated : Date Closed ; Historical Trended Data. 
XXXX XXXX  Account ( Account # XXXX ) **, which was inaccurately updated with the statement : " We investigated the information you disputed, and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated; Original Creditor ; Maximum Delinquency ; Rating ; Historical Trended Data. '' I have attached the updated credit file, highlighting the errors that were supposedly corrected. The report continues to inaccurately reflect the following : XXXX XXXX Account ( Account # XXXX ) ** In XX/XX/XXXX, the account is incorrectly reported as 120 days late. 
From XX/XX/XXXX through XX/XX/XXXX, the account is reported as 120 days late each month. It is misleading and factually impossible for an account to be listed as 120 days late for six consecutive months. 
XXXX XXXX  Account ( Account # XXXX ) ** In XX/XX/XXXX, the account incorrectly reports 120 days late for multiple months. 
These discrepancies not only present misleading information but also distort the collection date, further impacting the accuracy of my credit report. Despite these glaring errors, TransUnion has failed to correct them and continues to verify the accounts as accurate. 

I believe this represents a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to ensure the maximum possible accuracy of information. By failing to address these inaccuracies, TransUnion has neglected its duty, allowing harmful and misleading information to persist on my credit report. 

Action Requested : I formally request that both the XXXX XXXX Account ( Account # XXXX ) ** and XXXX XXXX  Account ( Account # XXXX ) ** be immediately deleted from my credit report. TransUnions failure to correct these inaccuracies violates my rights under the FCRA, and I expect immediate corrective action to be taken. 

Should this issue remain unresolved, I will be compelled to pursue my rights under 15 U.S.C. 1681n, which provides for civil liability in cases of willful noncompliance with the FCRA. The relevant provisions include : Willful Noncompliance : Liability for any party that willfully fails to comply with FCRA requirements. 
Damages : Recovery of actual or statutory damages ( ranging from {$100.00} to {$1000.00} ), punitive damages, and attorneys fees. 
In addition to this request, I am prepared to file complaints with the Attorney Generals office, the XXXX XXXX XXXX ( XXXX  ), and other relevant regulatory agencies. I believe this situation may highlight a broader systemic issue, particularly concerning the treatment of people of color and minorities in the credit reporting process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to both all three credit reporting bureaus ( XXXX, XXXX and Equifax ) about conflicting data on the same items, such as : XXXX XXXX shows last payment made as XX/XX/2018 on XXXX but Equifax shows last payment made on XX/XX/2018 ( and on a previous report as XX/XX/2018 ). 
XXXX XXXX  XXXX shows last payment made as XX/XX/2018 on XXXX but Equifax shows last payment made on XX/XX/2018. Also the phone number on XXXX shows as ( XXXX ) XXXX but on XXXX as ( XXXX ) XXXX.
Product: Credit card or prepaid card

I am a client or was a client in a XXXX XXXX  XXXX  with more than 12 years old, I have 2 accounts and two credit cards, I am not a United States resident, but I have never had problems with the institution and I have always fulfilled my obligations, they just I closed both my credit card accounts and they notified me that they would also close my accounts, can I do something about it? 

I proceeded to call them and after one hour and thirty minutes, the operator simply told me that the institution was no longer interested in doing business with me, without any reason or motive. 

XX/XX/2021 Bank Of America
Product: Credit reporting or other personal consumer reports

I am formally disputing the inaccurate inclusion of a bankruptcy on my credit report. I have official documentation from the court that clearly states this bankruptcy should not have been reported to your agency. Despite this confirmation, the bankruptcy remains on my credit file, which is both misleading and unjust. The presence of this incorrect information has the potential to negatively impact my financial standing, and it is crucial that this matter be addressed immediately. 

Additionally, I am deeply concerned about the involvement of an unauthorized third party in this situation. This raises serious questions about the integrity and accuracy of the reporting process, making it even more critical that this issue is investigated and resolved without delay. The presence of unauthorized involvement only amplifies my concerns regarding the security and reliability of my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX # XXXX, XXXX XXXX 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 ) person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My mortgage insurance was paid out twice from my escrow account. Once to the wrong company ( XXXX XXXX on XX/XX/XXXX ) and once to the correct insurance company ( XXXX on XX/XX/XXXX ), both in the amount of {$3000.00}. I have been told by many representatives that thus money was refunded to The Money Source on XX/XX/XXXX but it is not reflected in my escrow account. 

I have called dozens of times since the end of XXXX to get this straight. I have gone through 1 escrow analysis and a dispute and it has still not been fixed. They have stated that the negative balance in my escrow account is correct but can not and will not provide documentation stating that money was ever credited back to me. 

Now my mortgage is more than I am able to pay and after XXXX, I will not be able to make my mortgage payment. I am scared to lose my house over this. They are holding {$3000.00} of my money hostage.
Product: Mortgage

My husband & I took a Home Equity Line of Credit with US Bank in XX/XX/XXXX. We also took joint life insurance and disability on my husband, XXXX, with the initial loan. My husband had used the insurance for a XXXX XXXX about 10 years ago & I believe the insurance paid slightly over one monthly payment & then luckily XXXX went back to work. In XX/XX/XXXX, XXXX was hospitalized in XXXX for 45 days, placed in a XXXX on a XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
In XX/XX/XXXX I called US Bank to file a claim for XXXX  payment on our Home Equity Line of Credit. The USB representative told me that credit insurance did not include XXXX payments. I asked him to check the original note as we had used it once before. The monthly payments started after much documentation from XXXX XXXX XXXX XXXX to US Bank. We file a doctor form almost every month and the Insurance company sends an ACH credit directly to US Bank.
The problem I am having is not understanding the Payment credit once US Bank posts the payment. There is always a lapse in time from the date XXXX XXXX sends the credit to the date applied at US Bank. Sometimes US Bank back dates the payment & sometimes it does not. Without dates it becomes almost impossible to assess what payment date the insurance payment is crediting to which US Bank monthly due date. I have contacted the Branch Manager, XXXX XXXX and the Personal Banker, XXXX XXXX at my local US Bank in XXXX, WI. Both have tried to help make sense of the payment applications. They have both worked together to get an answer from a division of US Bank titled CLLO, Consumer Loan & Lease Operations Department. The local staff concurs that the information online and on our home equity line of credit statements do not make sense. At times I have a payment due & other times I do not. I have paid them & then had the payment reversed, I have had 2 late charges, one refunded, one in process of refunding for over a month, still showing on my online bank site. I had had automatic payment until XXXX XXXX started to make payments and then US Bank removes the Auto Pay option. I have no complaint what-so-ever with the local bank staff ; however, if the numbers, dates & dollar amounts paid by XXXX XXXX XXXX XXXX do not make sense to me, the bank employees who have tried to help and there is still no help from the specialized division of US Bank, I am left with questions. Is the credit being applied accurately? Is this happening to other US Bank clients? Numbers should make sense and eventually provide a full, clear & concise picture of all transactions. I have been asking for help for 1 year & 8 months.
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. The last letter sent to the XXXX Credit Bureaus was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my personal loan on XX/XX/XXXX I then went to XXXX 3x to get Mariner Finance to update my tradeline with XXXX and each time they cam back account has balance and still open. I called Creditor Mariner Finance @ XXXX to verify my account and they stated yes its closed and paid in full however we don't update any information until the next month. I said you are providing incorrect information to the credit bureau then. My account has been paid off since XX/XX/XXXX today is XX/XX/XXXX and the 3rd dispute has just been finished with XXXX and they are reporting acct still open and with a balance. When I asked mariner to send me something in writing I was told they can't the local branch will have to do it. This is unfair my acct is not still open nor does it have a balance and the simple fact that they are reporting fraudulent information to my credit report is a problem Mariner Finance acct # XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Experian Credit Report. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Charge-off debt has been filed and is now taxable income and can not be reported to my consumer profile violating 15 USC 1681 EB
Product: Credit reporting or other personal consumer reports

I have contacted Experian filing multiple disputes due to their credit report containing inaccurate names accounts addresses and credit score, I have provided documents to show that accounts and names listed on my credit report is inaccurate they refuse to remove these names and accounts which damage my credit Score and report. In the one instant I was able to successfully remove an item after dispute which did raise my credit score Experian went back and lowered my credit score by XXXX points even though my credit report had not changed. There is no way to add a personal statement other than the preset statements listed by Experian you are not able to write your own personal statement stating the report is inaccurate. There all multiple names listed as mine that are inaccurate I have never used an alias there are multiple addresses listed as mine that are inaccurate and at least 2 accounts that 7 years old that should automatically be deleted but Experian refuses to delete these accounts there is one account that Experian is falsely reporting after I sent in documents that the company refused to come get the furniture after I requested it be returned Experian is now assisting the company by reporting I owe money which further damages my credit report I have filed numerous disputes to no avail the one item I was able to get remove Experian came back less than a month later and lowered my credit score even though there were no changes to my credit report and there is no way to dispute the change without merit to your credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/17 I was notified that there was a security breach of Equifax. Upon the suggestion of people more educated than I, I clicked on this link : https : //www.equifaxsecurity2017.com/XXXX to determine the potential impact this hacking might have on me. After submitting my information, the result was : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I am now in the process of monitoring my credit for fraud that Equifax has exposed me to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX I have paid this account off and it was never late or missed a payment ; I called XXXX  and they sent me a letter stating that I never missed a payment and was never late, Equifax and XXXX are reporting fraudulently that a missed/late payment happen XXXX of 2020. I have sent Equifax and XXXX this letter and this fraudulently information still is reporting on my credit report. Please have them remove this account all together or correct this account to correct statues.
Product: Credit reporting, credit repair services, or other personal consumer reports

N Accordance with the Fair Credit Reporting Act XXXX  Account # s & Names XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Has Violated My Rights 15 U.S.C 1681 Section 602 States I have The Right to Privacy.

15 U.S.C Section 604 Section2 : It Also States A Consumer Reporting Agency Can not Furnish A Account without my Written Instructions.
Product: Credit reporting or other personal consumer reports

Experian has no way to get a dispute removed. I do not need to file a new dispute, I need to remove an old one that says it is still in dispute even though it is not. it only says it on experian and they have no way to talk to anyone on the phone about it. There is no help email, or online chat that is able to help. Experian must have no help what so ever to help consumers and I am stuck because my bank requires that dispute to be removed before I can refinance my house but getting in touch with them has become an impossible task for something should be simple. Again I am not trying to dispute the info, I am only trying to remove a dispute. This task is very easy with the other Credit Bureaus. Experian has no customer support whatsoever for any issue that I have found. online it just says it should be requested with no way to request it.
Product: Vehicle loan or lease

I purchased a car in XX/XX/XXXX with financing arranged by the auto dealer with America First Credit Union ( " AFCU '' ). I also insured the vehicle with XXXX XXXX and provided the proof of insurance to the dealer and AFCU. On XX/XX/XXXX AFCU added {$6200.00} to my account balance for collateral insurance coverage, despite full insurance coverage being in force with XXXX XXXX. They failed to provide any notice to me regarding the purchase of the insurance and the addition of the premium to my loan balance. The collateral insurance charge is nearly 8 times the cost of my insurance with XXXX XXXX and represents more than 15 % of the cost of the car. I learned of this a year after it occurred after chasing down AFCU to provide me on line access credentials so I could look at my account. Since then in multiple attempts to amicably resolve this I have spent hours on hold with AFCU agents, have twice been told that supervisors will call me back ( they didn't ), been sent to an AFCU office that turned out to be unstaffed, and have tried to resolve it through serial email communications. Their efforts collectively represent a tireless pattern of obfuscation and misdirection to reap a windfall on an invalid insurance charge.
Product: Credit card

A couple of months ago I discovered a delinquent credit card account on my credit history report. This account belongs from a bank that I have never done any business with in the past. The firsy step I took is to call the CRA so that they would give me more informaion about this and to know what were the steps I needed to take. They told me to contact the financial institution holding this delinquent credit card account and to deal with them directly and that it would be helpful to file a police report on this incident. Following this persons advice I called the bank and told them about the situation. They asked me to send a bunch of documents which I sent all of them. Immediately after I hung up I went to the police station to file a report but they told me they could not open an investigation without me telling them in which branch, refering to the bank, was this account under my name opened. I proceeded to call the bank and ask them where did they open this account under my name and my social security number and they responded that they could not give that information, which I think they were lying. Anyways, it has been approximately 40 days since I sent them all the documents that they asked for to investigate this and no response what so ever. I sent them an email last week and they never responded. As of this moment I am left without options and becoming to get frustrated. This delinquent account is still on my credit report and most importantly, they were able to open an ccount under my name with my social security without my approval and somehow seem to get away with this type of illicit activity.
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 XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : UNKNOWN : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I was trying to link my checking account at Capital One to my Brokerage account at XXXX XXXX via XXXX XXXX, without any success. My Brokerage account suggested I contact Capital One and then you.
Product: Checking or savings account

PayPal account was disabled last year and I still have the slightest idea of why spoken with someone in customer service XX/XX/XXXX of last year and was informed my account would be disabled for 180 days. Well it been over the amount of time I was told the account would be on hold called again on XX/XX/XXXX and was told my account would be handled by the resolution department within 24-48 hours and once everything was done my {$360.00} would be deposited into my current account with XXXX XXXX and its been past 24-48 hours since last conversation with PayPal.
Product: Debt collection

National Credit Systems : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX has been sending me Collection Notices in the Amount of {$1800.00}. The collection has been reported as a past due balance. I do not know this company .I have not ever did business with National Credit Systems . This company could not and does not have a contract with my legal signature.
Product: Credit card

I received a bill from Ashley furniture. The information is incorrect. I called the # and told the rep what was going on and that the info was incorrect. They hung up on me. This account is linked to my valid synchrony account but the personal info is not mine. The name is even spelled wrong. Account needs to be removed from my credit.