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

XXXX XXXX, Account Number : XXXX Dear Experian Dispute Resolution Team, I am writing to formally dispute an item on my credit report that I believe is inaccurate. The account in question is listed as XXXX XXXX, with account number XXXX. 
Upon reviewing my credit report, I discovered that this account has been inaccurately reported. I have contacted the creditor/lender, but they informed me that the they no longer possess any documents related to this account. Despite this, Experian has certified the account as accurate during a previous dispute. 
This incorrect information has severely impacted my borrowing power and has led to a significant drop in my credit score. This has affected my ability to obtain credit and manage my financial responsibilities.

Given these circumstances, I am requesting the immediate removal of this account from my credit report. The presence of this inaccurate information is unjustly harming my credit profile, and I respectfully ask for a thorough re-investigation of this matter. 
Please provide me with a written confirmation of the results of your investigation and the actions taken to rectify this error. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my filing of this complaint is that this company is still reporting an account that It has fully failed to validate as required by the FDCPA. I first requested validation of this company account on XXXX. And until today I am yet to receive any validation response that I had requested. As a result, I am preparing to file a lawsuit against this company should they fail to remove this unvalidated account from my report as soon as Now. 
BELOW is the unvalidated collection account that I need to be removed from my report ASAP : ACC XXXX, Date Opened XX/XX/XXXX, Balance {$5800.00} I am attaching for your reference : 1. My earlier request for Validation I sent to this company 2. My small claims form prepared to proceed with court filing in case they fail to delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this online complaint myself, and to inform you that I am not connected to any Credit Repair companies or any of its like that deals with the credit repair process. The personal information about the different addresses being linked to my profile is erroneous. Please supply any documents or papers that show that I have lived to these specific addresses mentioned. 
XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX, DE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that is unverified on my report the I have filed a FTC ID THEFT REPORT. I am looking to buy a home this year and I have done everything to deal with this account with no help from XXXX XXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS ROPORTING, FOR XXXX  AND ITS NOT 100 % ACCURATE AND THEY ARE EITHER INACCURATE, UNVERIFIABLE AND INVALIDATED. HOW CAN THERE BE TWO DIFFERENT ACCOUNT NUMBERS FOR XXXX AND EQUIFAX. ALSO DIFFERNT BALANCE AMOUNT. IN ACCORDANCE WITH TH FAIR CREDIT REPORTING ACT, EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND 15 U.S CODE 1681 e ( b ) AND 15 U.S. CODE 1681i ( 5 ) these accounts are in violation of not reporting accurate.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to XXXX failure to investigate my disputes in violation of FCRA regulations. According to XXXXXXXX XXXX website, they outline the acceptable forms of ID verification required for disputing inaccuracies on credit reports. I followed their instructions and submitted the proper verification. However, instead of processing my disputes, they sent me a letter claiming that my disputes were not submitted by me and that they would not proceed with investigating my claims. 

Experian engaged in the same conduct, also in violation of the FCRA, specifically Section 611 ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must conduct a reasonable investigation of disputes. Meanwhile, XXXX failed to respond to my disputes altogether, further violating FCRA guidelines. 

I have attached all affidavits sent to each credit bureau, along with the exact same forms of ID that were submitted with each dispute. Please review the attachments for further details. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed dispute with Experian on XX/XX/XXXX due to XXXX XXXX XXXX XXXX reporting a previous {$30000.00} Home Equity being discharge in a bankruptcy filed in XXXX which is incorrect. Our XXXX  was NOT included in the debit discharged. XXXX denies any wrong reporting. 
Filed another dispute with Experian on XX/XX/XXXX and supplied loan documents showing XXXX had reported incorrect information. XXXX denies any wrong reporting. 
Filed a complaint with the XXXX  on XX/XX/XXXX and supplied all documentation which XXXX again denied any incorrect reporting information. The XXXX  found inconsistencies with XXXX and stated our complaint will remain on file. 
Filed a dispute with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX in which we have no reply. 
XXXX reports the {$30000.00} XXXX  loan was XXXX, however they went on extend our XXXX  line twice more after the bankruptcy. 
The attached Bankruptcy file will prove XXXX need to removed the incorrect information it reported.
Product: Debt collection

Speedycash has employed XXXX XXXX Co to collect a debt. XXXX has been contacted, personally, and demanded to cease and desist. XXXX continues to call, text, and email, not only myself, but friends/acquaintances/family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has repeatedly provided misinformation on my credit report over the course of the last 12 months. 
- XX/XX/XXXX flagged as past due 30 days - incorrect as there was no payment owing - XX/XX/XXXX reported i owed {$5600.00} which was false and an incorrect amount- XX/XX/XXXX flagged a 30 Days past due requesting {$1000.00} x 12 payments per month ( {$13000.00} ) which is an incorrect amount and an attempt to collect an amount over 2x any outstanding balance- XXXX XXXX reported as 30 days past due. ( payment was made before the XXXX XXXX ) The lease agreement states the payments are due on the XXXX of each month so therefore any payment made on or before the XXXX of the following month is indeed within 30 days. 

I have attached the agreement and the log of payments which I agreed during the Covid 19 pandemic i would be making the following month before the 30 days past due mark. 

I have reached out to XXXX Corporate complaints and Collections and Customer Service whom have openly admitted on recorded phone calls that the payments for {$1000.00} were incorrect yet they still insist they will not remove the account. 

This has been escalated by XXXX to her superior XXXX XXXX - Assistant VP of Consumer Complaints Compliance on the XXXX XXXX whom has been unable to investigate satisfactorily so therefore this needs to be escalated. I am not convinced on the legitimacy of the investigation as they show no clear understanding of the issue of any real attempt to resolve.
Product: Debt collection

XXXX XXXX was very rude she threatened to suspend my license if i didnt put down XXXX. She also hangs up in my fave frequently. Im tired of getting harassed by them. I also told her i had to pay my rent and light bill and she suggested i push those back because the debt is important.
Product: Money transfers

On XXXX/XXXX/2015 I applied for the Barclay Platinum MasterCard credit card. It was a promotion to transfer a balance with 0 % interest for XXXX billing cycles. I requested a balance transfer of {$10000.00} from another credit card to the new Barclay MasterCard. 
I received the new card on XXXX/XXXX/2015 with a credit limit of {$1500.00}. Because it was not the credit limit I was hoping for I did n't activate the card and was thinking about closing the account. On XXXX/XXXX/2015 I received an email that a {$1000.00} payment posted to the credit card that I asked the {$10000.00} to be transferred to. I still had n't activated the new Barclay card yet and was going to cancel it. 
I called Barclay customer service and told them that the {$1000.00} was an unauthorized transfer and it happened without my knowledge or consent. They waived the {$30.00} transfer fee but told me that they could n't reverse the charges because it was already paid. I advised them that this was unauthorized transfer and that Barclay did it without authorizing it through me and did the transfer anyway and using an arbitrary amount of their own choosing and an amount other than what I agreed to on the application. 

I said that since it was in my mind an unauthorized transaction the responsibility of it falls on them to reverse this transaction and the burden to send them money is not on me. They said no, it could n't be done because it already was processed. I requested the new Barclay MarsterCard account to be closed. 
My point is that since my initial credit card balance was only {$1500.00}, which was way less than the {$10000.00} transfer amount that I requested that the transfer was not going to happen. Furthermore, I had not activated the card and was considering if I was going to keep it or not. 

It is my view that Barclay acted on their own performing transactions without me knowing about it not verifying with me if these were my wishes. If they would have contacted me and asked if I still wanted to transfer a balance since my initial credit line was way smaller than the transfer amount I requested it would have had a very different outcome. 

The Results I am requesting to resolve this complaint:XXXX ) Barclay to immediately reverse the {$1000.00} transfer with no cost to me whatsoever.
Product: Student loan

I have tried multiple times to work out a satisfactory arrangement for payments with Navient to prevent XXXX of my student loans from going in to collections. When I first took out these loans myself, I was not adequately informed nor understood all the terms, except the XXXX XXXX telling me to sign so I could start school. 

No matter how many options or managers or customer service staff I have talked to from Navient, they were not able to get me in to a program or lower my payment so I could afford it after a drop in income, they even went as far as telling me to borrow money from friends, or even more money from my parents to pay them. Even suggesting I use credit cards for the payments, which would only serve to push me further In to debt and make it harder for me to overcome it, going further in to debt to pay a debt is not a sensible or acceptable answer to a customer, or for a creditor to even suggest. 

I now have XXXX loan in default/charge off and another heading there, Navient has been completely unhelpful, has refused to work with me to a satisfactory conclusion for BOTH parties, not just them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I am writing to dispute the hard inquiries that appear on my credit report. According to my credit report, there are several hard inquiries made on my credit profile that I did not authorize, and I believe that they are affecting my credit score negatively. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which grants me the right to dispute any inaccurate or incomplete information on my credit report. I understand that the FCRA also requires the credit bureaus to investigate any disputes within 30 days of receiving a dispute request. 

I have carefully reviewed my credit report and noticed that there are inquiries that I did not authorize. I have not applied for any new credit recently, and I am certain that I did not authorize these inquiries. Therefore, I request that you investigate and remove these unauthorized inquiries listed below from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2023 I request that you investigate and resolve this matter as soon as possible. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Debt collection

Knew of the debt and had agreed to have the company take the funds from my bank account via ACH withdrawn. Since no communication/contact, either in writing or phone number had been received it was assumed that the debt had been paid for and cleared. Till I pulled my report today XX/XX/2020 and saw a 'WF/XXXX XXXX   ' Charge off as of XX/XX/2020. 

I do not feel like my rights as a consumer has been upheld through the FDCPA as there has been at bare minimum no written notices for the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an installment loan with Atlas Credit Company , Inc that was opened on XX/XX/XXXX for {$550.00} with monthly payments of {$64.00}. This account was settled and paid as agreed in XX/XX/XXXX. On XX/XX/XXXX Atlas Credit Company falsely reported an account with their remarks " included in bankruptcy- acct closed due to refinance '' remarks that account is included in bankruptcy is inaccurate because I have never filed bankruptcy as it clearly will show in my credit file. The account that I had with Atlas Credit Co. was paid in full as of XX/XX/XXXX and has a XXXX balance. I contacted Atlas Credit on XX/XX/XXXX XXXX XXXX and spoke with XXXX XXXX, CFO for company about this and he disclosed to me there was an error with their reporting system and the company was currently working on getting it corrected. I filed a dispute XXXX XXXX and XX/XX/XXXX and the investigation results are the account was verified as accurate by Atlas Credit and remains in credit file. On XX/XX/XXXX I emailed XXXX XXXX regarding dispute investigation results. He sent me an email with the attached PDF for the Correction Form that was submitted to XXXX & XXXX on XX/XX/XXXX after the issue was resolved with the reporting company and he said Once this form is submitted to the bureaus, it is then on the bureaus to properly update their records to match our correction form. The account is showing that I have filed bankruptcy and is showing an adverse delinquent account. I have given both XXXX and XXXX XXXX more then enough time to get this corrected and it has yet been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus are showing collection amounts for two hospital charges ( XXXX XXXX, XXXX, XXXX  ) that occurred on XX/XX/XXXX and on XX/XX/XXXX while I was still in college at the XXXX XXXX XXXX. I only found out about these past due charges on XX/XX/XXXX, upon completion of my training in XXXX XXXX with XXXX XXXX and my return to XXXX area. 
These charges were in regards to a emergency room visit. XXXX XXXX did not initially cover the charges of {$800.00} and {$880.00}. The bills were sent to a collection agency without my knowledge as the XXXX XXXX had sent the eobs to my old college address and they were not forwarded. I have discussed the charges with XXXX XXXX. Per XXXX XXXX, the charges were initially denied as being out of network. But upon their review, the charges should have been covered since it was an emergency room visit and they stated out of network does not apply in those situations. 

XXXX XXXX is in the process of re-billing the visits. They have indicated I should received the updated EOB within their next billing cycle and at that time this issue will be resolved. 
Meanwhile, both of these charges have killed my credit score without my knowledge I even had any charges not paid and certainly nothing sent to a collection agency. I have NEVER been late or simply not paid a debt. 
Can you somehow get the credit bureaus to indicate these unpaid charges are under review for accuracy until I get the situation rectified? 

Thank you, XXXX XXXX XXXX
Product: Vehicle loan or lease

I was told by Credit Accepted that my title would be mailed out I still havent received it in that was almost a month agoBut my Car is paid off in I want my title ASAP
Product: Mortgage

I've received numerous notices from Statebridge Company starting on XX/XX/2019, that indicated my home hazard insurance had lapsed and they would charge me for insurance coverage if I didn't provide proper documents. 

Each time, I sent the appropriate documents from XXXX XXXX that showed my insurance had not lapsed. The second-to-last contact, I requested and received an email from a representative to : 1 ) indicate the documents had been received ; 2 ) my account had been updated ; and 3 ) I would not be charged for insurance. 

Today, XX/XX/XXXX, I received a letter dated XX/XX/19 indicated they had not received documents and they purchased insurance on my behalf. 

Please help me resolve this so that the items numbered 1 ), 2 ), and 3 ) are addressed by an accountable representative at Statebridge. 

All corresponding documents are attached. Thank you for the help!
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. UPSTART NETWORK INCXXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion keeps leaving the same information on my report that is not mines
Product: Credit card or prepaid card

Around XXXX XXXX  or so i emailed this company asking for late payment forgiveness, i was XXXX  and going through XXXX XXXX for a few years on and off. a few days later i get a call from XXXX with Cap One who wanted more information about my XXXX. company is insensitive to the misfortunes that people go through, i was asked about a XXXX. I was not once asked about be being XXXX  or to verify but i was asked details about my XXXX. If the XXXX was of no importance, what is the need for the questions? Nothing else in that letter was asked to be verified. today i get a letter stating that they asked me for other payment options, XXXX of 2018 i was still XXXX, so if there was a letter sent it was never received since i was not stable. this company does whats best for the company not for the customer. I dont want the account reopened, i have a new account with you guys. Im aware of my horrible past with you guys and i am trying to make life right and this would be a big help, i never asked for all the late fees to be removed anything helps. thank you for supporting people of XXXX XXXX.
Product: Student loan

I can not log into my account, they wont answer their phone, they will not respond to my email on how to access the account.
Product: Credit card or prepaid card

I opened an Delta Skymiles-American Express credit card clicking a prompt that came up on the delta website that said it offered XXXX bonus miles and XXXX dollars off of statement if I spent XXXX dollars in the first 3 months. After my application, I didn't receive my card. It looks like I applied for the card on XX/XX/XXXX, and didn't receive the card for months after that. Because I have a life, I forgot about it and contacted the company in XX/XX/XXXXto check the trajectory of my card. They said they sent it, I didn't receive again, in three more trials I finally got it. I started using the card as soon as it arrived and spent XXXX dollars in three months. While I was expecting to get my miles this month, they say because I didn't spend XXXX until XX/XX/XXXX, they can not give me those miles. 
I think they delayed the delivery process in purpose and did not inform me that the date of three months started the moment I applied for the card. Basically by the time I received my card, there was no point to using it already.
Product: Debt collection

I'm submitting this complaint in reference to Southwest Credit System knowingly inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand the account be deleted off of my credit report immediately. Southwest Reported the account back in XX/XX/XXXX with a different account number, I summited a complaint. No response. In XX/XX/XXXX, and Southwest rep stated the account was no longer in their possession and removed the account. On XX/XX/XXXX the account was added back with a new account number which is considered false information and a violation to my consumer rights.
Product: Debt collection

On XXXX XXXX, 2015 I enrolled in a online course through XXXX University. I enrolled in this class with a Federal Student Loan Credit. It was a Direct Unsubsidized Loan. XXXX XXXX XXXX did not provide for any other means of payment for the course, other than this student loan. According to the student loan, the student must be enrolled for a certain amount of days for the loan to pay off. I withdrew from the course on XXXX XXXX, 2015. The financial aid office was aware of this ( the payment date of the loan ) ; they made me aware of this. Still, they made no further provision for payments. The days of which I participated on-line was to be paid through financial aid. It is my understanding that I had the jurisdiction to withdraw without penalty/payment expected, because the payments was set up under the guidlines of the rules of the U. S. Dept. of Education Federal Student Loan. And no other provision was expected, nor signed for. XXXX University has placed a debt of {$910.00} on my credit report and I deny that this is my bill. I believe that this should be removed from my credit report. With the exception of the weekend days, I only had less than 10 days of on-line opportunity of which to work on line for the course. XXXX was aware as to when the student loan was to pay off and did not request any payments for the days prior to the payment from the student loan company. They did not make this request at the time of registration and should not be allowed to do so after the withdrawal. The instructor kept complaining that I was not submitting my work in the proper format that he could receive it. I tried many times to correct this issue and it did not resolve. Therefore, this online course was not appropriate for me and there was not a need to waste the Federal Student Loan. I have discussed this issue with the financial aide office at XXXX University many times. I have discuss this situation with the credit reporting agency - XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX - via a response mail.
Product: Money transfer, virtual currency, or money service

I got scammed into transferring money to a scammer. My bank ( XXXX XXXX said they can't offer fraud protection because the transfer was made through zelle service. When I called Zelle, they said that because the transaction was made on the bank app, they can not help me even though it was serviced through Zelle