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

After carefully reviewing my credit file. I am concerned with some items you are reporting for XXXX XXXX XXXX and Account name XXXX XXXX XXXX XXXX. I am aware that under the FCRA 15 U.S. Code 1681 e, Compliance Procedures. B. ) Accuracy of reporting shall follow reasonable procedures to assure maximum possible accuracy. All three bureaus are reporting different account status, balances, payment history, closed dates, last activities, etc. Please correct these inaccuracies or remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Macy 's XXXX XXXX XXXX is the worst card to ever be made in the history of call credit cards. Many people on the island of XXXX and I'm sure many other users HATE THIS CARD HAVE BEEN TRYING TO CLOSE IT DUE TO THEM REPORTING THAT CONSUMER 'S MADE LATE PAYMENTS WHEN THEY DID NOT. They are the ones that TAKE PAYMENTS LATE AND DO NOT POST THEM RIGHT AWAY. MANY TIMES THEY HAVE TAKEN OUT MY FUNDS DAYS AFTER I HAVE PAID!!!!!! THEY ARE THE WORST AND THEY NEED TO SERIOUSLY REMOVE THOSE LATE PAYMENTS THEY STATED IN 2022 WHEN THEY ARE NOT TRUE!!!!! I HAD A JOB THAT TIME SO THERE IS NO REASON WHY I DIDNT MAKE THOSE PAYMENTS!!!! TERRIBLE REPORTING!!!! GET IT OFF MY CREDIT REPORT AS IT IS AFFECTING MY FINANCIAL HEALTH AND I AM NOT ABLE TO GET ASSISTANCE EVEN DURING XXXX NATURAL DISASTER DECLARED BY FEMA!!!!!! THIS IS TERRIBLE!!!!!! GET RID OF THIS NOW!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items from my credit report : Inquiry XXXX XX/XX/2020 Collection XXXX  # XXXXXXXX XXXX  XXXX # XXXX XXXX # XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX Late Payment XXXX XXXX # XXXX XXXX Category XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian consistently reinserts accounts involved in ID Theft from 2016. This happens. every two months. They will remove the information then reinsert the information without any notification or letter.
Product: Credit reporting or other personal consumer reports

I have a bankruptcy that was reported by XXXX XXXX without consent as well as the account not being 100 % accurate. I asked them to verify and validate who provided the information to them. I was told that the courts provided the information to them. I provided documentation verifying that the courts do not report to credit bureaus nor share information. This alone goes against my rights according to the FCRA 15 USC 1681-E ( B ) and should therefore be removed from XXXX XXXX as well as all three credit Bureaus ( Transunion, XXXX, and XXXX ). 

I am sharing with you the documentation provided from the courts stating that they do not report or share information with the credit bureaus as well as documentation I submitted to XXXX XXXX. 

I would like to have this resolved in 15-30 days, updated on my credit report and removed from the reports with XXXX XXXX, Transunion, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed that several incongruencies and inaccuracies are the account This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This is the letter I sent to Paypal buyer credit including pictures of the discrepancies they did not even review my evidence before they looked at the sellers and ruled in her favor. A supervisor stated that they have a automation system that determines how it it ruled. The wig is not as I order nor des it do what it promises on the website.

Dear PayPal Buyer Credit, First, I ordered a custom silicone wig from XXXX. The promise was that this wig will create a suction on the head of bald individuals and essentially become a second skin. In other words, the wig would suction to the head without the need of adhesives. A major defect I noticed immediately was when I attempted to install the wig on my head the sides of the wigs kept lifting up from my scalp. ( Please see that I complained about this multiple time to XXXX ). When I initially addressed this issue with XXXX in a phone conversation she stated, yes this is a flaw with this type of wig. XXXX never informed me of this flaw and the wig not only doesnt stay down on the sides after attempting to install it multiple times the silicon only sticks to certain parts of my scalp. ( Please see what her company promises on her website ) And it says nothing addressing what she stated in her first phone conversation nor her second response in writing. 
Again, in XXXX second response in writing, she began making accusations that I did not measure correctly. Therefore, by this time I found it wise to get all correspondence with her in writing. And this accusation is not true I have XXXX XXXX and I have been wearing custom wigs for over 10 years now and I order at minimum three per year and I am skilled at taking my measurements, which has rarely changed over the years. ( Please see correspondence ). Please see website and cap that I picked. https : XXXX XXXX, I also sent a picture of the hair texture I wanted mimicked, and this was not correct also. The hair texture that I received is very kinky and nappy. I requested a hair texture that was similar to a XXXX womens hair after having a perm for a month or so. It is slightly course with a wavy textured look to it ( Please see sample pictures in comparison to what I actually received ). 
Lastly, the final invoice I received reflects that I requested baby hair around the perimeter and the wig does not have any baby hairs. 
In closing, I made several attempts to have these defects of the wig corrected and it obviously was not honored. As a matter a fact she began accusing me of not measuring correctly. Leaving me with no choice but to dispute this half of the charges from her.
Product: Checking or savings account

On XX/XX/, I received an email from US Bank, stating a payment of {$800.00} had been sent from my US bank account to a XXXX XXXX, via XXXX. I have never desired or attempted to apply for XXXX. When I tried to sign in to my account, I was blocked out. I called the number provided and set up an appointment to visit the branch office, to close out my old account and open a new one. I was told, at the end of the appointment, that I would receive a call to set up a new login and pin for the new account ; that call never came. I was also told that I would be receiving a new debit card and checks in the mail. As of today, XX/XX/2023, I have received neither. I did, however, receive a letter from US Bank stating that my complaint, regarding the {$800.00}, taken from my account had been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit score/Fico score of XXXX, which is considered excellent, and it states that on my report, issued to me by XXXX XXXX, XXXX, XXXX, XXXX, etc. I have had excellent standing with all my creditors, loans, etc, for many years now. 
... .I have never been late with any payments, nor do I have any outstanding balances, on any of my credit cards, or loans, etc. 
... Yet, for the last four years a " company '' called " LEXIS NEXIS '' of XXXX, GA, has stated, on my homeowners, and auto policy renewal, that they have " insufficient '' information on my credit history, and I have % of balance to open accounts ... ... ... which is all " DECEPTION AND DOUBLESPEAK '', AND FABRICATION. 
... ..For this reason my insurance policy has gone up, every year. 
... I have never filed any claims with my insurance provider " XXXX XXXX  ''. 
I have a perfect record. 
I am asking the " CFPB '' to help me resolve this issue with this " nefarious '' company, LEXIS NEXIS '' ..
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I visitied XXXX  and XXXX XXXX XXXX with insurance. Neither health centre filed invoices for my visits against insurance. They reported invoices as unpaid to XXXX XXXX XXXX. 

Following months of trying to have the invoices correctly filed to insurance, I engaged the help of the Head of the Department of XXXX. His engagement resulted in the invoices filed correctly to insurance and a letter of apology. 

I have tried to have the erroneous credit entry removed with success, except for my engagement with Equifax. 

Equifax refuses to engage with XXXX XXXX XXXX and present the physician 's letter of apology. Whereas the other two credit reporting agencies correctly engaged with XXXX XXXX XXXX and removed the erroneous entries, Equifax takes no action, stating that the entry is correctly reported. The reference numbers for my effort to resolve the situation with Equifax are : XXXX, XXXX, XXXX, and XXXX. 

Before contacting the credit reporting agencies, I contacted XXXX XXXX directly. XXXX XXXX declined to remove the erroneous entries. XXXX XXXX may be contacted at : XXXX XXXX XXXX ( XXXX ) XXXX. 

The erroneous hospital invoices are : XXXX XX/XX/2021 for {$160.00} XXXX XX/XX/2021 for {$1200.00}, and XXXX XX/XX/2021 for {$320.00}
Product: Credit reporting or other personal consumer reports

I am writing in regard to the dispute I filed through the Consumer Financial Protection Bureau ( CFPB ) concerning errors on my credit report. Specifically, I have previously submitted certified letters on two separate occasions to provide the necessary identification and documentation to resolve these disputes. However, TransUnions response indicates that these documents were not received, which is inaccurate, as both letters were sent via certified mail and signed for upon delivery. 

I would like to formally request that you review your records and correct these inaccuracies. As stated in the dispute, I have provided all the necessary information in compliance with your guidelines, and I believe the errors listed on my credit report should be deleted in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please ensure that the errors in question are rectified and removed from my credit report immediately. If there are any further documentation or clarifications needed from my side, kindly inform me at your earliest convenience. However, I trust that this matter can be resolved promptly given the prior correspondence. 

Thank you for your immediate attention to this matter. I expect to receive confirmation that the necessary corrections have been made.
Product: Credit reporting or other personal consumer reports

I have diligently reported to all bureaus that I have been a victim of identity theft and that accounts originating from XX/XX/XXXX to XX/XX/XXXX are subject to investigation into the theft of my identity, as unknown accounts have been opened in my name without my knowledge or consent. Inquiries as well the address that appeared on my credit report previously as a result of this creditor HAVE been removed from all bureaus Correction to my credit report. I Demand this account be removed from my credit report as it is very detrimental to my livelihood. 

I tried applying for a home using a Loan with my credit, when I was devasted to find out that there are several inaccuracies on my credit within : addresses, accounts, and debt that I have never applied and sign for. 

According to as per section 623 of the FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXdebt sold it agin to XXXX  account currently listed on my consumer report which is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in federal court for trying to collect on a debt that I do not owe them. I have never sign contracted with this company and demand that they provide proof that I signed a contract with them and agreed to pay them any money for the alleged debt. Any further attempt to collect is a federal crime under 18 USC 894 as this company is attempting to collect on an extension credit. Since they will not be able to prove that I owe them any money, I demand these accounts be immediately removed from my consumer report as this information is harming my credit reputation. The account is as follows XXXX also fail to send a updated report to me also denied me any information on me in they file I recored our phone call as well saying the documents I sent wasn't legible but they sent in a dispute XXXX has made this really hard to communicate with them I also has recored call with the members at XXXX telling me they did a dispute with companies with the documents they said they didnt receives
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

After many years with XXXX with a {$14000.00} line of credit that was paid off many times.The loan payment was dependent on the amount i borrowed, sometimes the payment was {$100.00} but as much as {$270.00}. I ran into problems in XX/XX/XXXX due to the economy. I struggled and pulled through. Although, XXXX did not and sold of my liabilities to Springleaf. I was paying Springleaf {$280.00} monthly. The principal never moved and was always at the same amount or increased. As things got better I paid on time more often. Although my loan never really was paid down. The amount i paid over time has totaled XXXX times since XX/XX/XXXX. I then paid off {$10000.00} and brought the line of credit down to a manageable {$4000.00}. I received my next bill without a change in payments. I called Springleaf and they did not have an answer although my contract states principal paydowm should be XXXX % of total. not some made up amount Springleaf wants. The line of credit should be {$130.00} per month with a {$4000.00} balance. This includes principal and interest. They made money on me and now that i am able to repay things Springleaf is trying to squeeze me. I spoke with a manager that had no idea what she was doing. I am easy going and she was polite. She still had no idea how to come up with the calculation. I hope you can help. Thank you
Product: Checking or savings account

Opened a Citi account with promotion code XXXX, for {$400.00} bonus.Deposit of {$5000.00} in checking and {$10000.00} in savings on XX/XX/XXXX18.Maintained for 60 days which would be XX/XX/XXXX18. Then an additional 90 days for bonus to post per terms of agreement which would be XX/XX/XXXX18 at the absolute latest. All requirements are met. {$15000.00} still in open accounts so it is open and active but Citi has not posted my bonus. It is nearly a month past the absolute latest that Citi promised to post my bonus.
Product: Credit reporting or other personal consumer reports

ACCORDANCE WITH USC 1681a2 1 DIDNT GIVE WRITTEN CONSENT TO HAVE THESE ACCOUNTS ADDRESSES NAMES TO BE FURNISHED ON MY XXXX TRANSUNION XXXX CONSUMER REPORT ACCORDANCE WITH 15 USC 6801 a b 1 2 3 4 PROTECTION OF NON -PUBLIC PERSONAL INFORMATION I DIDNT GIVE WRITTEN CONSENT! ACCORDANCE WITH USC 6802 a b c d e OBLIGATION WITH RESPECT TO DISCLOSURE of personal information USC 6803 I never signed any disclosures forms given written consent.
Product: Credit card or prepaid card

Starting in XX/XX/XXXX I started getting form letters from USAA stating that USAA had been notified by the USPS that my address had changed and that I needed to notify USAA of the change so USAA could update their records.

I have gotten a letter every month since then. I DO NOT HAVE AN ACCOUNT WITH USAA. I complained to XXXX  and a person named XXXX XXXX/Advocacy Advisor called me in XX/XX/XXXX saying I did have an account, then I didn't have an account and finally that I had closed an account over 25 years ago. He demanded I provide him with my SSN, I did not, and he stated that the letters would stop. 
They have not. 
I received another letter in XXXX, then a letter in XXXX from this person saying the position of USAA had not changed (? ) and again another letter asking for me to log into a non existent account to upgrade my address. 
This is harassment.
Product: Credit reporting or other personal consumer reports

I NEGOTIATED WITH THE COMPANY XXXX XXXX TO DISMANTLE THE CAR IN EXCHANGE FOR NOT DAMAGE MY REPORT AND THEY DID NOT AGREE AND THEN They took my car in XXXX  because I couldn't continue paying due to the pandemic, I had already paid a total of XXXX XXXX dollars, now I am without credit without my XXXX XXXX dollars and without a car. It's not fair that they have the money in the car and still have damage to my credit. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX ... 
HAS VIOLATED MY RIHT. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE RIGHT TO PRIVACY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I explained that I did not authorize the hard credit inquriy on XX/XX/XXXX from one main finincial. They said it went to the XXXX location branch bc it was closeest to me and then ran my credit report again!!! I want this taken off immediately they did not help me whatsoever
Product: Student loan

For years, I have attempted to make payments thinking this loan was tied to my XXXX XXXX After a caring representative clarified my concerns she answered all my questions and provided me with a copy of the check Navient claimed I have cashed. For years prior, I was told they couldnt provide me with information regarding the application. 
Once the copy was sent to me, as expected this check was falsely endorsed with my name and cashed into an account I never had! 
So for 9 years and an interest rate doubling the loan, I have slaved in order to keep my credit subpar and pay for a {$19000.00} check I never cashed! Not to mention the discriminatory remarks made by agents during a pandemic. Navient has to be one of the worst student loan shark in the nation! After I completed this investigation on my own accord, I have called Navient repeatedly- as they have done to me and my poor grandmother in order to request Navient to complete an investigation and confirm my findings. Again, the wonderful, cheerful representatives left me on hold for upwards 45 minutes to only hang up on me, or respond with- well lets see what reduced payment options you qualify for. 
Please tell me who wants to pay {$42000.00} for a {$19000.00} check they never cashed? 
These are the events in life, where someone doing there all to make it, can literally break emotionally.
Product: Credit reporting or other personal consumer reports

I had got XXXX  XXXX and miss a few payments and loss my job dis is a loan like a savings account dat u pay too help u rebuild credit not too hurt ur credit it show a late payment on my credit file and it's hurting me rite now
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I noticed items on my report that did not belong to me. I sent in a dispute to Equifax, XXXX, and XXXXXXXX on XX/XX/2020. 

I did not get a reply so I sent additional information for the investigation on XX/XX/2020. 

Today is XX/XX/2020 they have not provided any updated information on the investigation such as verification or blocked accounts. 

I have provided all information related to how these accounts have been placed on my credit without being known or verifiable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX XXXX 

Subject : Dispute of Unauthorized Credit Charge off account Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized charge off account that appear on my credit report. I did not authorize these charge off account and I am requesting that they be removed immediately. 

The Charge off account in question are : XXXX XXXX XXXX  Account XXXX Date opened : XX/XX/XXXX Date XXXX Late payment account in question XXXX XXXX Opened XX/XX/XXXX I did not authorize these companies to access my credit information, and as such, these charge off account are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized charge off account and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized charge off account highlighted for your reference. Please notify me in writing once the charge off account have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

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

On XX/XX/2022 at XXXX XXXX I called Equifax XXXX XXXX ) XXXX about incorrect inquiries on my report. Once on the phone I notified the customer service rep of my concerns and he placed me on hold. He then disconnected the call without explanation. I am confused and time has been wasted. I was also a part of the data breach and was affected negatively. I was denied credit, housing, and higher interest rates.