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

Experian Dispute Department po box XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear Experian, I am writing to dispute inaccurate information contained in my credit report, as referenced on the Experian website. Please review the following item, which I believe to contain errors : Account Type : Collection Reported Past Due Amount : {$1700.00} as of XX/XX/XXXX The inaccuracy lies in the timeline of reported payments and the status update date. The account status indicates Collection account, {$1700.00} past due as of XX/XX/XXXX, but it is not yet XX/XX/XXXX. This suggests the information is either inaccurately reported or improperly dated. 

I have also noticed discrepancies in the payment history and status updates : the record indicates the status was last updated in XX/XX/XXXX, yet multiple months in XXXX are flagged with a XXXX ( XXXX ). This inconsistency further demonstrates errors in the reporting process. 

Enclosed, I have included a copy of my credit report highlighting the issue for your convenience. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this account and provide clarification on the date discrepancies. If an error is confirmed, please correct it and provide me with a copy of my updated credit report. 

If you require additional information to process my dispute, please do not hesitate to contact me at XXXX or XXXX Thank you for addressing this matter promptly. 

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

I have tried numerous times to get this issue resolved with LexisNexis. Unfortunately, I am still unsuccessful in my quest... I have requested that they provide me with proof on how they verified the bankruptcy in question. Nothing! This issue is hindering my ability to maintain a lifestyle that includes caring for my child. Please assist me in having them update my public profile by removing this inaccurate account for bankruptcy filing. 

Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent.

It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. 
Considering it does not require an investigation, I would appreciate your response within XXXX weeks from the date you receive this letter.
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. 

XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 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 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. 

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, credit repair services, or other personal consumer reports

I recently disputed a discrepancy on my Experian credit report on XX/XX/2020. I received a response back from Experian indicating the following : The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
There was no proof from the credit reporting agency that anything was verified or how it was verified, however the documentation I have shows that in fact, the collection account is inaccurate and incomplete, which are grounds to have the account removed.
Product: Mortgage

Closing for refinancing with Citimortgage was targeted for XX/XX/2020 for the amount of {>= $1,000,000}. Loan Office XXXX XXXX NMLS ID XXXX was in charge of the loan. 

I discussed with him and his supervisor that the loan amount was supposed to be for the original loan amount of XXXX and I was planning to pay for closing and not to add to the cost of the loan. Also wanted clarification on the numbers. 

I was advised this would happen over 2 days and since then the closing was delayed and there has been no resolution on the matter. 

I paid for appraisal and lawyer fees to Citi and am not able to resolve to problem even after every effort by phone and email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please correct my credit was paid in full and/or is being paid on. Currently it shows on my credit report as closed bad debt which isnt true.
Product: Mortgage

Wells Fargo purchased my mortgage from a different company. I have repeadtly tried to go through proper channels including sending a letter to the CEO asking to change my due date. I only get paid once a month - the XXXX - so I need a due date after the XXXX. The company refuses to even acknowledge anything only stating I signed paperwork that it is ok to have my loan assigned. While true, I did not sign anything for Wells Fargo. By refusing to change the due to after the XXXX, Wells Fargo is causing me undue financial hardship and possible late charges and fees that will be accumulated. The company can not provide a valid reason as to why this can not be changed
Product: Credit reporting or other personal consumer reports

I am trying to apply for a loan. The lender is telling me it is telling them ; '' Applicant ( s ) ( XXXX XXXX ) has fraud reason ( s ) : CREDIT REPORT REMARK SECTION HAS FRAUD KEYWORDS : * CONSUMER STATEMENT : XXXX & XXXX AT THE INSTRUCTION OF THIS CONSUMER, A SECURITY FREEZE IS IN EFFECT WITH RESPECT TO THE CONSUMER 'S CREDIT FILE. NO INFORMATION IN THE CONSUMER 'S CREDIT FILE MAY BE RELEASED TO A THIRD PARTY WITHOUT PRIOR WRITTEN AUTHORIZATION FROM THE CONSUMER '' I have checked my experian account online and through the app it is saying it is not frozen. I have tried to reach out to SEVERAL different phone numbers, around 10 different ones, they ALL point to the same automated system that is informing me that it is not frozen. 

I HAVE NOT put a freeze or any fraud alerts on my credit profile. 

I CAN NOT GET TO A REAL PERSON TO TRY TO FIGURE THIS OUT. i am absolutely upset i can not reach a person. its despicable there is no person to try and help resolve this matter. 

you need more humans operating the phones. THERE ARE SOME THINGS THAT CAN NOT BE DONE THROUGH AN AUTOMATED SYSTEM ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ..... I am now being withhelp credit options due to the fact that they are not able to pull my report from experian, which says is UNFROZEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis report says I'm involved in a car accident 's. I requested my consumer report to dispute anything incorrect. LexisNexis refuse to send working PIN number that works. This has cause my car insurance premium to go up extremely high over LexisNexis car report I have no access to. LexisNexis have false car accident 's reports on file I provided the letter with proof on file.
Product: Bank account or service

Since XXXX 2015, I have been suffering financial hardship resulting from a severe medical condition. Because I have a past due balance on a closed credit card account with USAA Federal Saving Bank ( FSB ), USAA FSB has restricted access to all my accounts ( i.e., banking, credit card, and insurance ) online. I have not been able to get any of my statements electronically since XXXX 2015. Neither can I make any payments. Despite this, USAA FSB continues to send me email notifications that my account statements are available online and does not mail me any statements. When I called USAA FSB to request my deposit account statements, I was told I would have to pay a fee of {$10.00} for each statement. The representative agreed to mail the XXXX 2015 bank statements for my XXXX deposit accounts and waived the fee, but told me I would have to call back Monday for the XXXX statements. 

How am I supposed to monitor my bank account activity or know how much I owe or even determine how much I might be able to pay USAA FSB if I do not receive my statements? I am attaching a copy of emails, along with screenshots of my attempts to log in to get the account statements.
Product: Credit reporting or other personal consumer reports

( 1 ) The banking system depends on accurate and fair credit reporting, according to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). Unfair credit reporting practices erode public confidence, which is crucial to the banking system 's ability to continue operating, and inaccurate credit reports directly affect the effectiveness of the banking system. Therefore, the effectiveness of the banking system is harmed anytime there is a breach of the FCRA. Since I have discretion over what is and is not listed, this is a violation of my privacy with regard to my consumer report. If any accounts are reported without my express written authorization, identity theft will have occurred. This is against 15 U.S. Code 1681b ( 2 ) as well as 15 U.S. Code 1681c-2. Under 15 U.S. Code 1681n, which allows for {$1000.00} per violation for accounts listed without my express written agreement, this opens the door to civil action against the credit reporting organization for careless and willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account XXXX. XXXX I recently pulled my credit report and discovered that my mortgage account with XXXX is reporting my account as being adverse and delinquent when it is not. 

According to XXXX, they claim it is being reported accurately. However, when you look at my credit reports, the XXXX account is being reported as delinquent every month by all of the credit bureaus, when it is not. 

Ive repeatedly asked XXXX to fix this problem by removing the wording in the remarks section. In the remarks section for each and every month, XXXX writes, BANKRUPTCY DISMISSED. By making this adverse notation, it incorrectly appears that I am filing for bankruptcy each and every month, which is not the case. This adverse remark should not be appearing on my XXXX account at all. They had nothing to do with any bankruptcy. It is also being reported as one month late when it is not. There should be no late reporting. Consequently, the XXXX account is showing the account as delinquent when it is not. 

I am requesting that XXXX delete the remarks on my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX which was paid off by the Dealer in XXXX-XXXX. I had to include it in Bankruptcy because the account was still open with all 3 credit reporting agencies. 

I have consistently tried to remove the late notice in XX/XX/XXXX because at the time I did not have the vehicle since it was traded in at XXXX XXXX in XXXX Fl. 

I contacted Experian over the phone because they do not allow me to dispute online as is my right. They have me blocked. I told them the account was never late. 

As a result Experian updated the account as a charge off on XX/XX/XXXX in error. I tried calling them and explained I had no lates for about 4 years and they told me the score dropped because of XXXX charge off. This was false information. The report dropped because they updated the report to show XXXX XXXX as charged off in XX/XX/XXXX making my credit score drop 24 points as well as my credit rating from Good to Fair for being late .1 years - IN ERROR. I could not dispute online. THis caused my denial of credit. I can not wait 30 days for them to fix their grave mistake. The account has no activity since XXXX. Yet, their ineptness added it as a recent negative which made my score drop 24 pts. This is in addition with their taking the XXXX account and counting it as 6 accounts late rather than 1 account in their scoring model. 

They investigated both the XXXX and XXXX incorrectly and now I am being penalized. I also am complaining against XXXX XXXX XXXX for attempting to re-age the debt on the account that has been closed without activity for almost 4 yrs.
Product: Credit reporting or other personal consumer reports

Transunion Consumer Solutions and Transunion LLC persistently collect securities on a credit report numbered XXXX containing inaccurate tradeline information. Despite being provided with accurate account details, the Defendants failed to rectify the inaccuracies. 

My credit report, bearing report number XXXX, contains inaccuracies regarding tradeline information FOR XXXX XXXX XXXX Account XXXX 2. I duly disputed the inaccuracies with Transunion, providing comprehensive and accurate account details for verification. 
3. Following an investigation, Transunion purportedly affirmed the accuracy of the disputed information, disregarding the me providing accurate account details. 
4. Transunion persist in collecting securities based on the inaccurate information, causing harm and inconvenience to the Plaintiff. 

Transunion Consumer Solutions and Transunion LLC are in Violation of the Uniform Consumer Credit Code ( UCCC ) : They refusal to rectify the inaccuracies in the credit report despite being provided with accurate information constitutes a violation of the UCCC. The Plaintiff has the right to expect accurate credit reporting under this code. 

Transunion Consumer Solutions and Transunion LLC have violated the UCCC by persisting in collecting securities on a credit report containing inaccuracies, despite being provided with accurate information.
Product: Credit reporting or other personal consumer reports

I have been making my payments each month including XXXX XXXX 
I later got an alert that a late payment was made on my XXXX account. 
My payment is not late. 

I am attaching a copy of my cancelled check for XXXX and my quick collect from XXXX for XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX  &. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX & with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX -XX/XX/XXXX andXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am contacting you to request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report. I am a victim of a recent data breach that resulted in unauthorized accounts being opened in my name. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these fraudulent items be removed from my file. 
The details of the unauthorized accounts and inquiries are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or credit management

Monterey Collections has violated the XXXX rule while attempting to collect a false debt made up by a Fraudulent Organization known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They falsified being a modeling agency on XXXX and have since deleted the ad to bury fraudulent evidence, as they initially set the expectation that they are a modeling agency and will be taking a specific fee from bookings. They later take your photos and then show their true colors and try to sell you the pictures they took as a package deal. Once I denied they sent ridiculous amounts over to Monterey collections who has been calling me two or 3 times day consecutively. I reached out to them to have this removed off of my credit but they disagreed.
Product: Debt collection

Contacted by collection agency H.P Sears about a debt I supposedly owed to a former property management agency. XXXX property management. In the amount of {$4300.00}. That was XXXX XXXX, 2015. It was the first time I ever heard about it. I was never contacted by XXXX property management or anyone else about this supposed debt until that day. So at first I thought it was a scam because he could not tell me why I owed so much. He just wanted me to pay it. Then went on to use threats of legal action from there legal department. I said I would not pay anything until I knew what I was paying for. Then he said it was for rent in the month of XXXX 2015 which is XXXX dollars but he said back rent was over XXXX dollars. I said I moved XXXX XXXX, 2015. How could I owe XXXX dollars? They kept my deposit. He said there was no deposit. I said Ok let 's move on what is the other XXXX dollars for? He said I do n't know but I will call you back in XXXX days with a itemized list I said OK do that. At this point I really though it was a scam but he calls back the next day and says he has the itemized list. I asked what was on it, he said about XXXX was for back rent XXXX for broken widows. There was no broken windows. I believe XXXX for screens and another XXXX for carpet cleaning and XXXX for labor but he could n't tell me what was fixed. I started to dispute charges and he said it better I do n't fight it. The best thing for me to do is is accept it and make an offer to them for XXXX dollars. I told him I thought this is a scam I never heard of this debt it 's been XXXX months the last time I spoke to anyone from the property management company all they said is that they needed the other set of keys. He said ok. I hung up and thought nothing else of it until I was checking my credit report and saw that XXXX was sent to XXXX credit reporting agencies. Like I said I never received a letter a phone call nothing. I do n't know how long the home was empty after I moved out. We had a brake in while I lived there and put in a alarm system. Someone could have broken in after I left. That does n't mean I 'm responsible for the damages and it 's unfair to try to make me pay for it. There were a few things wrong with the house so a representative form the property management company came by a few times and noted how well we kept up the house. Me and my roommate are both XXXX we were hardly even at home. If there was that much damage why not contact me right away so we could deal with it then not three months later. Because there was no damages that 's why.
Product: Student loan

On XX/XX/2019, Navient called to collect on my student loan and I explained that I don't have any money. They said that the only repayment option for me was to pay {$50.00} before they could defer my payments. I asked to speak with a supervisor and the supervisor was even less forthcoming with options for deferment or repayment. He offered my no options, the only option he offered was repayment. He did say they would stop the phone calls but that was all they could do. I then went online and saw that there was an option for deferment that required no payment upfront. I have deferred loans in the past and I have never been told that I have to pay before they would defer my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with Equifax mishandling my credit file ... In particular XXXX XXXX XXXX, on my credit file that was deleted back in XXXX due to fraud..The FCRA requires credit reporting agencies to notify consumers 5 days prior to reinsertion of a previously deleted account..I was never notifed of this account being reinserted back onto my credit file..I have sent certified letters to Equifax in regards to this matter..I have not recieve a reply..I also ask for documents or any instrument bearing my signature or consent that this account belongs to me in the past..It was deleted 4 years ago due to fraud, police report, .and FTC identity theft report..However, it has reappeared back on my file as of XX/XX/XXXX without justification. Which is a violation of federal law governing credit reporting..
Product: Debt collection

I was contacted by Glass Mountain Capital on XX/XX/2020 stating that I owed {$2300.00} to a company called XXXX for an XXXX. I was confused at first and then stated to them that I never made this purchase. I filed an identity theft report with the FTC and sent letters to both XXXX and Glass Mountain that I did not make this purchase and that I was a victim of identity theft. They sent me a lease agreement that I have never seen and it did not have my signature, but a digital signature with an address that I never lived at or recognized. I looked up the address and it is for a hotel. So without a confirmed address or Social Security number or drivers license how can a legitimate company give someone property in my name and expect me to pay for it.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts appearing on my credit report, and I can't figure out why. I routinely check my credit report, and suddenly, there are errors that seem to have come out of nowhere. I even tried refreshing my browser, thinking it might just be a technical glitch, but nothing changed. The incorrect accounts stayed put. This whole situation has left me asking for a thorough review of the documents I've submitted so I can stop worrying about this ever happening again.