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

I utilize XXXX credit monitoring. Through XXXX, I found two incorrect " Major Derogatory Accounts '' showing up under Experian 's credit reporting. I disputed these online back on XX/XX/2019 but have not heard back from Experian. I have tried, again today XX/XX/2019, for the last several hours to register online with Experian and to call Experian numerous times, as well as to request my free annual credit report from Experian, all without success. Their online dispute center won't let me check my status and their phone system does not allow me to talk to a real person, nor does the phone system allow inquiries into disputes. As stated, by " Major Derogatory Accounts '' are incorrect and I have the proof to show that both of these accounts were paid in full. I'm tired of wasting my time trying to reach Experian to correct a problem that isn't even a problem. Proof of payment for the 1st Major Derogatory Account is attached. 2nd Major Derogatory Account was paid online with a credit card, receipt attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter stating : We are in receipt of your request for validation. The account has been updated and placed on hold in an investigatory status. We will request documentation from out client.

and On XX/XX/19 I received another letter stating : Unfortunately, we are unable to provide the requested documentation within a reasonable time frame and as such ERC has ceased all collection activity. Further, we have requested the account be deleted from any consumer credit reporting agency files to which we may have submitted information. Consumer reporting agencies may take 30 days or longer to update consumer reports. 

XXXX XXXX it was still on my credit reports and I disputed with XX/XX/XXXX and on XX/XX/XXXX I received the following message on behalf of : The company that reported the information has certified to XX/XX/XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. 

I have not received any other mail from ERC in reference to the account or its validity.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a fraud account with Equifax since 2017 the company is XXXX XXXX XXXX. I have sent equifax police reports and documentation to Equifax stating that I been a victim of identity theft. All Equifax can do is tell me that the company stated that the account belongs to me. I have ask Equifax to provide me with proof that I open the account they will not send me any validated information saying that the account belongs to me. also Equifax telling false information they are pretty much doing what the want to do. All my rights as a consumer as been validate with Equifax and the creditor. ALSO EQUIFAX HAS 2 CREDIT FILES IN MY NAME AND SS # which means there should one be 1 credit file by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these items that are not mine and i want them to be removed form my credit. 


1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft CITZENSONE Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

To : Experian XXXX XXXX XXXX XXXX Account # XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT REMOVE THIS INCOMPLETE & INACCURATE ACCOUNT DUE TO VIOLATIONS OF THE FCRA ACCOUNT IS NOT % 100 COMPLETE AND ACCURATE ACROSS ALL CREDIT BUREAUS!!! Closed Date : XX/XX/2023 IS WRONG DATE!!! INACCURATE The " Closed Date '' on this Account is Completely Wrong, its over a year off, They Changed my Closed Date Multiple Times Negatively affecting the Time it stays on my report. ACTUAL REAL CLOSED DATE IS XXXX THEY CHANGED CLOSED DATE TO XX/XX/2023, THEN THEY CHANGED CLOSED DATE TO XX/XX/2023. 

Two-Year Payment History : INACCURATE & INCOMPLETE The absence of information in the " Two-Year Payment History '' section is notable. If there have been payments or activities within the last XXXX years, they should be accurately reported. 

Dispute Status : INACCURATE & INCOMPLETE Dispute Status says NOT IN DISPUTE, even though I Disputed this account countless times due to WRONG CLOSED DATE & other Inaccuracies.
Product: Credit reporting or other personal consumer reports

The only credit bureau that has accurate information for me is XXXX. TransUnion has all of my accounts on their website, but when you try to look up the TransUnion score through FICO, what the creditors see, it says I dont have any credit. 

The worst is XXXX though. They wont even let me log on in order to file a dispute, this is all stemming from me getting a name change seven years ago and Ive been trying every month for seven years to get them to have my entire credit report, and they either have my old name, include my old middle name which throws everything off, or dont have any of my accounts.
Product: Debt collection

I contacted the company in regards to a notice I received pertaining to legal action from a debt. The lawyer that answered was abusive and very rude in speaking with me, so I asked to speak to someone else and he slammed the phone in my face. I now do not feel comfortable contacting this company again due to this experience and the abusive nature they are known for based on XXXX reviews. I tried calling Comenity Capital Bank, however, since the debt had been sold they could not assist me. This may result in adverse actions towards me as I do not have anyone else to contact to learn more about the debt notice and options.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Tx XXXX XXXX XXXX Experian Credit Subject : Request for Removal of Incorrect Credit File Inquiries Dear Sir/Madam, I am writing to formally request the removal of incorrect credit inquiries from my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ). I believe that these inquiries are inaccurately reported on my credit report and are adversely affecting my creditworthiness. 

I have recently reviewed my credit report from Experian and noticed that there are inquiries that I do not recognize and did not authorize. These inquiries have negatively impacted my credit score and my ability to secure favorable financing terms. Upon further investigation, I have concluded that these inquiries are not associated with any credit applications or transactions that I have initiated. 

I kindly request that you conduct a thorough investigation into the validity of these inquiries and provide me with documentation that confirms the legitimacy of the inquiries. If you are unable to provide such documentation, I ask that you remove the disputed inquiries from my credit report as soon as possible. 

As per the FCRA, I expect a response within 30 days from the receipt of this letter. If you find that the inquiries are indeed incorrect or unauthorized, I request that you not only remove them from my credit report but also provide me with a revised copy of my credit report reflecting the changes made. 

Enclosed with this letter are copies of relevant documents that support my claim, including copies of my credit report highlighting the disputed inquiries and any evidence that I have regarding the unauthorized nature of these inquiries. 

I take my creditworthiness seriously and believe that the accuracy of my credit report is vital for my financial well-being. I appreciate your prompt attention to this matter and your adherence to the FCRA guidelines. Please feel free to contact me at ( XXXX ) XXXX or XXXX ] if you require any additional information or clarification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your cooperation in resolving this matter promptly.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Removal of Bankruptcy Entry from Credit Reports I am writing to demand the immediate removal of the bankruptcy entry on my credit reports. I have never authorized this reporting, and I am officially opting out of any such reporting, both now and in the future. 
This request is supported by the Privacy Act of 1974, 15 USC 1681a, and regulations under 12 CFR 1016.1, 1016.13, 1016.14, and 1016.15, which require explicit consumer consent for the disclosure of such information. In addition, 12 CFR 1016.4 emphasizes the necessity for consumer consent prior to any reporting, which I have not provided.

I also wish to point out that I have received confirmation via email from the Colorado Bankruptcy Court stating explicitly that they do not provide information to credit reporting agencies. This is further evidence that the reporting of my bankruptcy is both unauthorized and in violation of my privacy rights as outlined in the aforementioned statutes. 
Given these facts, I insist on the immediate removal of the bankruptcy reporting from all my credit reports and confirmation that I have been opted out of any future reporting of this nature. 
Thank you for your immediate attention to this matter. I expect to receive confirmation of the removal of the bankruptcy entry within 30 days of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXXConsumer to TransUnion am I requesting your agency do an independent investigation for the account listed above with XXXX XXXX PLEASE DO NOT PARROT BACK USELESS UNVERIFIABLE, INCOMPLETE, INACCURATE INFORMATION. I have disputed this item several times and your company has not done an investigation as required and you have refused to send me all of the requested documentation. TRANSUNION, XXXX, AND XXXX ARE EACH REPORTING COMPLETELY DIFFERENT INFORMATION THROUGHOUT THIS ENTIRE ACCOUNT. 

I never had an account with this company. I have no knowledge of this company. I have no knowledge of owing this company at all. I never gave this company my written consent or permission to obtain any information about me nor did I give this company permission to publish any information about me. I never signed anything making MG CREDIT the ASSIGNEE. 

I AM REQUESTING YOUR AGENCY CEASE OF ALL REPORTING WHILE INVESTIGATION IS IN PROCESS. IF YOUR AGENCY CAN NOT PROVIDE EACH AND EVERY DOCUMENT, I REQUESTED IN THE TIME ALLOWED PERMANETLY DELETE THIS ACCOUNT FROM ALL CONSUMER REPORTS IMMEDIATELY. 

( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) ACDV- PLEASE PROVIDE FOR MY RECORDS FROZEN SCANS- PLEASE PROVIDE FOR MY RECORDS AUD- PLEASE PROVIDE FOR MY RECORDS CARBON COPIE-PLEASE PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF OF INVESTIGATIONS WHAT PROCEDURES USED TO VERIFY YOU ARE PROTECTING MY IDENTITY ACDV- PLEASE PROVIDE FROZEN SCANS- PLEASE PROVIDE CONSUMER FILE, CONSUMER REPORT, FILE DISCLOSURE-PLEASE SEND I AM REQUESTING MY CONSUMER FILES AND CONSUMER REPORTS-BOTH ARE REQUESTED. 

I DEMAND YOU VALIDATE/VERIFY THIS INFORMATION PROVIDE DOCUMENTATION BEARING MY SIGNATURE. 

MAKE ALL REQUEST TO RELIEVE YOUR AGENCY FROM YOUR FOUL POSITION OF WILLFUL NON-COMPLIANCE, WILLFUL NEGLIGENCE AND YOUR CONTINUED VIOLATIONS OF THE LAW THIS SHOULD ALL BE COMPLETE UNDER 30 DAYS AS YOU FAILED TO DO PROPER INVESTIGATIONS WHEN PREVIOUSLY REQUESTED. 
CURRENTLY YOU ARE IN VIOLATION OF THE FCRA AS PER USUAL. 

15 U.S. Code 1681n 15 U.S. Code 1681i
Product: Payday loan, title loan, or personal loan

When I was shopping for a personal loan, I was offered a personal loan/line from WELLS FARGO for up to {$100000.00} at an Interest rate of as low as 9.24 %. With near perfect credit score of XXXX ( according to XXXX ) and over {$70000.00} in IRAs. I also have land valued at over {$300000.00} and a house ( being built ) valued at over {>= $1,000,000} ( when finished ). I currently only have 1 outstanding debt, a truck loan that I got at 0 % interest. All payments have been on time. 
I was recommended switching some or all of my direct deposits to WELLS FARGO, and starting a checking account, which I did. 
I showed up with tax returns, XXXX, etc. 

WELLS FARGO countered with {$30000.00} at over 12 %. 
A BATE AND SWITCH. 
Their reasons/excuses 1. Our credit was too low. XXXX? ( WELLS FARGO has XXXX with XXXX ) 2. Not long enough credit history. I have had continuous credit since XX/XX/1970, I have had car loans, mortgages, credit cards and dont know what else. 
3. Portion of loan balances to credit limits on revolving accounts too high. Again all credit cards are paid off monthly, leaving a XXXX balance. 
4. Too many accounts with balances. I have one loan ( truck loan ) because it has 0 % interest. Original loan {$40000.00}, paid down to current {$12000.00}. All payments on time. 
I tried to discuss and resolve the issue in person with no results. 
The fact is it is a BAIT AND SWITCH! WELLS FARGO IS A FRAUD!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I wish to file a complaint against Convergent. XXXX was paid and by law they must recall the account from Convergent as they have no legal reasons to report the account on my credit reports and therefore must delete. They also stated they would recall the account in the letter they sent me.
Product: Credit reporting or other personal consumer reports

I'm a victim of a sham investigation from experian. They have not done a real investigation, but rather only relied upon the response from the creditor and basting. Their investigation solely on a fault. E oscar system that is not accurate please delete all items that's listed in my documents immediately. 

Please see documents in attachments this dispute was not made in error.
Product: Credit card or prepaid card

On Friday, XX/XX/XXXX I received a {$50.00} Amex e-gift card as a reward for online surveys completed. I read the instructions and added it to my XXXX XXXX account. Since then I have tried using it in person in different stores and online on different store websites. Each time the card is declined despite my purchases not going above the {$50.00} limit. When it was declined twice on XXXX it deducted {$.00} for each " transaction. '' My husband and I also have a few {$100.00} Amex e-gift cards given to us as gifts. We have run into this same problem trying to use these Amex e-gift cards online. The Amex website states that you can use these gift cards any where Amex is accepted and yet they are always declined. 
After doing some research, I have found several XXXX threads discussing this exact same problem. The most recent one is from XXXX of XXXX  : XXXX XXXX XXXX One of the individuals in this thread works for XXXX and they are currently working through a dispute with Amex. XXXX has given hundreds of Amex gift cards to patrons and none of them are working.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is listing a wrong social security number on my credit report which is causing me delays in getting a mortgage loan application approved. The only way that Equifax provides me to fix the incorrect social security information on their report is to make physical copies of my social security card and send that via physical mail ( snail mail ) to their XXXX XXXX after which they will take up to 10 days to correct the information. Firstly, I do not feel comfortable sending equifax copies of my sensitive information as a physical paper copy and secondly the time delay caused by Equifax in fixing a mistake in a critical piece of information and their slow pace will cause me to miss the closing date for my home purchase. Equifax is a terrible company that is taking advantage of their unique position in the market to unfairly cause me harm. Also their phone customer service is rude and unhelpful.
Product: Credit reporting

incorrect account on my credit report does not belong to me I am not legally bound to this account XXXX balance owed as of XXXX/XXXX/2016 {$5900.00}
Product: Credit card or prepaid card

I have 2 credit cards with Citizens bank. Ive been a long time customer of theirs. 

I had several hundred dollars worth of cash rewards on both cards. 

I called in at the beginning of this month, asking if I could use the cash rewards to make my payments for each respective card, money is tight as my wife is out of work. 

In both cases the representatives said that was perfectly fine, I verbally gave them permission and assumed I was all set until next month. 

Today I found out that in both cases the Payment from cash rewards did not actually count as a payment, it just reduced my balance and this was not communicated to me. 

So both of my cards are overdrawn now, with late fees that invalidated the cash rewards. If I had taken the reward as a check, and then paid with that money it would have counted as a payment. 

This seems incredibly shady, the fact that two different representatives never thought to mention that a payment wasnt actually a payment for 2 separate cards on their due dates is troubling. 

I called them, spoke to several people but they would not help. 

I work for another bank, we have to keep perfect credit and up until now I had that.
Product: Checking or savings account

I was Citibank customer for couple years. I used personal checking account to pay my bills, mortgage and shopping. 
I was never late with payments or at least I don't recall any late payments. 
Recently I opened my XXXX business and opened citibank business account. Bank representative asked me to deposit at least {$5000.00}. My wife is also Citibank customer. She took certified check from citibank for {$10000.00} and gave it to me so I can deposit it on my business account. I believe I deposit check Monday XX/XX/2023 in citibank. 
Friday XX/XX/2023 when I logged in to my bank account I noticed my personal checking account is not visible. I called citibank to ask if they can help me. Bank representative explaind that my account is blocked and bank is canceling all agreements with me. He couldn't tell whats the reason of cancelation. 
Since I didn't have online access to my citibank business account, I went to the bank to check if my business account is closed as well. Citibank representative confirmed my concerns. 
I don't believe Citibank had any reasons to close my accounts. It will be difficult to run my business without business account. Because of this situation I will be late for the first time with my mortgage payments, my utility bills and my credit card payments, my credit score will suffer as well, it has great impact on my mental health.
Product: Student loan

During the time I attended school,XX/XX/XXXX toXX/XX/XXXX. I received federal loans by my loan service providers,  Sallie Mae and Nazient. However I believe that my loans were designed in a way to prevent me from forgiving my loans under the program, Public Service Loan Forgiveness progtam, or were not forthcoming about any information about my loans which will prevent me from participating in the PLSF program


Please see URL below 

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

I need to change my address and phone number and everyone I try they give me the round around and it really makes me feel so sad that i want to sue guy for it the emotional distress Its my name my identity and I want to take care of it not have a lot of pinguess give me the round around and why not have some one who speak English the  ladys or man I talk to I did not understand her I dont understand s them! sincerely XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX ( XXXX ) XXXX
Product: Debt collection

I barely had my credit repaired and again in XX/XX/year> I see an account from DRS not sure who they are. I did research that the original account comes from XXXX XXXX. I have not even applied for a credit card for the same reason I knew that one my credit was being repaired and two I knew I would qualify. I can assure that I didnt physically or electronically signed no documents or gave consent to open that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed items on my credit report 180 days ago and the incorrect information is still reporting inaccurate for XXXX : I have disputed these account multiple times with no update throughout the entire 180 days. 

XXXX XXXX ~utility XXXX XXXX installment { Listed incorrectly as a chargeoff } XXXX  XXXXinstallment XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX credit card { listed incorrectly as a chargeoff }
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained about this reporting of my medical bills Surprise Act of 2022 says they should not be reporting medicall bills over XXXX. These medical I don't know who Is the reporting company. Their is no name, I have attached a screenshot of the report.