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

I sent a copy of the letter from the bankruptcy court along with a dispute letter requesting their method of verification to Experian on XX/XX/20 certified mail regarding two bankruptcies that was reporting on my credit report.I also sent another dispute letter on XX/XX/20 certified mail stating the inaccuracies of the two bankruptcies reporting on my file.Experian then responded on XX/XX/20 stating its still under investigation.Then Experian responded on XX/XX/20 stating that the two bankruptcies are reporting accurate.Then Experian sent another letter on XX/XX/20 stating to ask XXXX XXXX for verification on bankruptcies.I reached out to XXXX XXXX they sent me letter on XX/XX/20 stating they could not verify the two bankruptcies and its not showing in their files.I sent another dispute letter on XX/XX/20 certified mail explaining to Experian that XXXX  and XXXX  have deleted both bankruptcies because they couldnt be verified.Then I sent another dispute letter on XX/XX/20 certified mail to Experian with a copy of letter from XXXX XXXX stating its not showing in their file and I asked Experian again for their verification procedure.I also sent another dispute letter to go along with Experian investigation on XX/XX/20 certified mail further asking for verification of the two bankruptcies.Then Experian responded on XX/XX/20 stating the two bankruptcies are accurate and verified.Experian failed to provide me their method of verification which I requested on XX/XX/20.Experian disregarded the letter from the bankruptcy court stating they do not give out information to the credit bureaus.Experian stated to ask XXXX XXXX for verification because thats who they gathered their information from, I did just that and the two bankruptcies could not be verified and Experian ignored that letter from XXXX XXXX also.Experian did not do an investigation they never provided any method of verification or any proof to show how they verified the two bankruptcies.Experian has violated my rights under the Fair Credit Reporting Act and Im beyond frustrated.
Product: Mortgage

As of XXXX  last night my homeowners insurance policy has been cancelled from the negligence on behalf of New Rez. I have been directly in contact with these people on email that has been ignored and a phone call to the insurance team with New Rez on the XXXX to try to ensure an already late payment to be made by the XXXX. My attorney contacted them yesterday and we were jerked around with constantly being placed on hold and then the out come was a bogus or invalid tracking number provided to us by the 3rd hold attempt we encountered. My statement balance is also in question going back to XXXX as my payments were not properly applied. I have submitted all my bank records that show I have paid and again all my emails have been ignored. Upon reviewing the XXXX comments and found they have about the poorest review a company can have and read anything from fraud to possibly theft statements on the XXXX website I do urge for this company to be investigated to the fullest extent of the law. There was not excuse for my insurance to be cancelled and I will not tolerate the attorney games that seem to be going on as they appear to be happening.
Product: Credit reporting or other personal consumer reports

Payday loan taken in XXXX and repaid over double amount borrowed. Interest rates does not comply with laws of Virginia. 

https : //law.lis.virginia.gov/vacode/title6.2/chapter3/section6.2-312.

The state of Virgina caps interest rates on lines of credit at 36 %. Payday lender sold account to collection agency - XXXX XXXX which has reported the debt to all XXXX credit bureaus since XX/XX/XXXX. I have reached out to both companies requesting my initial contract and payment history and have not received it. I explained that because the loan was predatory and now unlawful, it should not be reported on my credit reports. I still have not received any responses but was sent a settlement offer decreasing the {$1300.00} to {$1000.00}. I declined the offer and asked for my contract and payment history.
Product: Debt collection

I finished paying amount owed to the company XX/XX/2022. 
There was no reason for this balance to be sent to the collection agency. 

The letter from the collection agency says they know tax season just occurred so I can pay balance off with that It doesnt seem like appropriate comment to be made.
Product: Credit reporting or other personal consumer reports

On initiating a dispute in reference to XXXX corporations for an account that should have been removed from my credit report, or marked as closed and satisfied. Equifax, despite the dispute being approved and the investigation forms, they lowered my score by XXXX points. This has been listed on my report since XXXX, I need this account removed immediately this was an unlawful repossession.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Convergent inquiries : XXXX XXXX XXXX, XXXX, 2021 XXXX XXXX XXXX XXXX, XXXX, 2021 Capital XXXX XXXX, XXXX, 2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX  2021 XXXX XXXXXXXX XXXX XXXX, XXXX, 2021 XXXXXXXX XXXX XXXXXXXX XX/XX/2021 have violated my rights. 

15 U, S.C 1681 section 604 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.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Collection Account XXXX Account To Whom It May Concern, I am writing to formally dispute a collection account listed on my credit report that is not mine. The account in question is reported as a XXXX account, which I have never opened, authorized, or had any association with. 

Additionally, I want to highlight that my personal information was compromised during the Equifax data breach, which has put me at risk of identity theft. I believe this fraudulent account may be a result of that breach. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to ensure that all information reported on consumer credit files is accurate, complete, and verifiable. I am requesting that you investigate this account and provide documentation proving that this account is valid and authorized by me. 

If you can not verify the accuracy and ownership of this account with proper documentation, I demand that this collection account be permanently deleted from my credit report. Reporting inaccurate or unverifiable information is a violation of the FCRA, and I expect full compliance with the law. 

Please complete your investigation and provide a written response within 30 days of receipt of this letter, as required under federal law. I also request a copy of any documentation or evidence used to verify the account, should you claim it is valid. 

Thank you for your prompt attention to this matter. I trust that you will investigate and resolve this issue quickly. 

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

XXXX XXXX solicits business from thousands of lenders and while they do this they ruin people 's credit. They intitially say there will be no affect on your credit and then several lenders have pulled your credit and you end up with all these inquiries. 

I received a letter from XXXX XXXX  say they did not approve a loan that I didn't even apply for. There were inquiries on my credit report. 

Just recently, they did the same thing with the help of XXXX XXXX messing up people 's credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, 2017 I sent a certified letter ( XXXX ) to XXXX XXXX requesting to have my debt validated via in writing to my current address. In the letter I also stated If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. It has officially been over 30 calendar days and I have not heard back from the agency. I am now requesting to have the alleged account XXXX deleted from my credit report immediately.
Product: Debt collection

On XX/XX/XXXX I received a notification that an account was added to my consumer report. I noticed it was from Mechanics Auto Bank. An account that was removed from my report in XXXX. I reached out to XXXX XXXX and explained to him that this account had already been removed. He said there was nothing he could do they reached out and asked for info concerning identity theft and never received anything back. 
The identity theft form came attached with a cover letter clearly stating that it was not blocked in error, along with an identity theft affidavit. They have everything they needed to remove the account, but are now playing games.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that there is an account which is erroneous. The 3 credit Bureaus are required to reinvestigate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed Capitol one account. It's reporting on XXXX as late by XXXX days. This same account is reporting as paid on time with the other XXXX reporting agencies. I have disputed it many times. I also spoke to Capitol one about it. I recently closed my most recent Capitol one account because they never fixed it. The date that I'm reporting at late on is AFTER the date my account was actually closed
Product: Credit reporting, credit repair services, or other personal consumer reports

The company claimed that items had been removed from my credit report but when I checked they were still on my credit report,
Product: Credit reporting or other personal consumer reports

I am requesting the removal of this account from my credit report because it was opened fraudulently due to identity theft. I did not open this account, nor did I authorize any transactions or agreements related to it. 

Here are the details of the fraudulent account : Creditor : XXXX XXXX XXXX ( original creditor : XXXX XXXX Bank XXXX XXXX. ) Balance : {$780.00} Date opened : XX/XX/XXXX Creditor : credit Central Balance : {$1100.00} Date opened : XX/XX/XXXX Creditor : Credit Central Balance : {$610.00} Date opened : XX/XX/XXXX I became aware of this issue when I reviewed my credit report. I have not received any correspondence or billing statements from this company until it appeared as a collection account.
Product: Payday loan, title loan, or personal loan

My old check into cash debt was discharged in my bk years ago and they still sold the debt to XXXX XXXX who is now harrissing me even though I keep Asking them to stop and they said they new the loan was in my BK.
Product: Debt collection

I had cable tv and internet services with XXXX for several years. I decided in 2020 to disconnect all of my XXXX products and go to a competitor. Knowing that I was switching providers, I paid XXXX the full amount on my Closing Statement {$180.00} immediately. But, for some reason XXXX wants me to pay additional charges and they have assigned my closed account to a few collection agencies. And I have continually submit proof of payment and they no longer contact me. Nevertheless, XXXX keeps hiring new collection agencies knowing that my account has been paid in full.
Product: Credit reporting or other personal consumer reports

This is in response to the verified no change letters and emails I received regarding the charge off accounts on my attached credit reports. 

I followed your instructions to contact the companies responsible for placing this inaccurate charge off account on my credit report. However, despite all my efforts, the furnishers did not respond to my inquiries and XXXX LOCKED MY ACCOUNT ACCESS! 

It is evident that this charge off account is inaccurate, as the creditor failed to provide any valid proof of its validity. According to the Fair Credit Reporting Act ( FCRA ), if the creditor can not substantiate the accuracy of these accounts, they are not permitted to report it to the credit bureaus. 

Regards, XXXX XXXX
Product: Debt collection

I am a previous XXXX customer. I closed my XXXX account ( XX/XX/18 ) and paid the ending balance ( {$140.00} ). The balance was not overdue/delinquent. My final bill was paid in full. XXXX informed me that my account was NOT in collection or sent to collections as delinquent XXXX XXXX XXXX has sent me a collections notice with the exact amount owed to XXXX ( {$140.00} ) when account was closed XX/XX/18. They are preemptively attempting to collect a debt and harm my credit by unscrupulously attempting to extort funds from me not owed to XXXX. 

Again XXXX did not report my account as delinquent and in collections or send my account to XXXX XXXX XXXX for collection
Product: Credit reporting or other personal consumer reports

I looked at my credit report and noticed you have reported ( included in the attached dispute letter ). According to 15 U.S. Code 1681 b ( 2 ) and FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove. Also keep in mind that you are required to delete this no later than 4 days after you receive this dispute from me. 
XX/XX/XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXX/XX/XXXXAccount XXXX : XXXX XX/XX/XXXX Account Number : XXXX XXXXXX/XX/XXXXAccount Number XXXX XXXX XX/XX/XXXXAccount Number : XXXXXX/XX/XXXX inquired on XXXX/XXXX/2024 XXXX OF XXXX inquired on XXXX/XXXX/2024 XX/XX/XXXX inquired on XX/XX/year>2024 and XXXX/XXXX/2024 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Due to the XXXX data breach I am a victim of identity theft. My name and social sercurity number was used to open credit cards. I have filed a complaint with the Federal Trade Commission and Identitytheft.gov website. I have notified XXXX XXXX XXXX  and XXXX XXXX XXXX, XXXX about the fraudulent accounts that they are reporting on my TransUnion and XXXX credit reports. I have attached the letter from the Federal Trade Commission and the identity theft letter. Please investigate these accounts.
Product: Debt collection

I recently viewed my credit report and became very confused and agitated. I looked into it a bit and found that it is absolutely illegal what is happening to me right now! There are 2 accounts that are identical on my credit. DUPLICATE REPORTING IS ILLEGAL. PLEASE HELP ME!
Product: Debt collection

XXXX XXXX  XXXX  XXXX  the original creditors have been trying to extort {$650.00} from me by establishing a negative debit to collect under an attempt that needs to be nullified. With every attempt to dispute this charge I have told these creditors that I have insurance for medical debits I don't have any reason to collect a debit because I am fully insured and they could have billed my insurance instead of making me respectfully responsible for a debit. These people have been harassing me for years and it's time for them to stop disparaging my credit. It is totally unfair for me to achieve anything credible of worthiness as this means a major hindrance going forward
Product: Credit reporting or other personal consumer reports

While looking over my credit report and I saw inaccuracies and inconsistencies in the information shared to Experian, XXXX and XXXX by XXXX XXXX. 
This account is negatively impacting my ability to acquire credit.
Product: Vehicle loan or lease

For 2 1/2 years I have contacted General Motors, they have a lifter issue, they know it. There is a class action lawsuit against them. They overcharge on fees, interest and refuse to help in any way. 
I spent XXXX XX/XX/2024, another XXXX XX/XX/2024. I have spent a total of over XXXX trying to keep this truck operational.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am taken aback of the situation. I've submitted this complaint 4 times & CFPB & EQUIFAX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm fed up with it. The account listed below was opened due to identity theft. I've provided you ( CFPB ) & EQUIFAX with an affidavit & FTC fraudulent report to support my position. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of XXXX XXXX XXXX XXXX It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer NOT to engage in a legal proceeding, such as filing a lawsuit. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again ... Thanks XXXX  XXXX
Product: Credit card or prepaid card

I applied to Chase freedom unlimited card as of XX/XX/2021, under the impression that I will be receiving 5 % cash reward on groceries up to XXXX in the first year, as described in the website : https : //creditcards.chase.com/cash-back-credit-cards/freedom/unlimited. 

However, I do not see that information in my card reward earn section in my chase app. I called on XX/XX/2021, the customer representative instructed that the 5 % on groceries promotion ended on XX/XX/2021, so I am not eligible for this reward anymore. She said she checked with the team and is sure of this, after I asked multiple times. The line is recorded. 

The information about 5 % on groceries, however, is still in the advertisement on the official website. I feel falsely adversed.
Product: Checking or savings account

Correction to last complaint filed on XX/XX/24 at approximately XXXXXXXX XXXX XXXX 
*CORRECTED DATES BELOW* I still have not received all of my interest owed from XXXX thru XXXX. My check, containing all of Savings, checking funds and interest was supposed to be delivered by XXXX on XXXX, however, the check didn't arrive until XXXX. The XXXX XXXX XXXX ( lady ) from Citibank in Texas confirmed this with me on XXXX. As a result, I lost 15 days worth of interest on my money they held up in error for two ( 2 ) months. They cost me interest as a result of their actions.
Product: Credit reporting

This items are fraudulent accounts. And i have provided enough information.XXXX/ XXXX/ XXXX/ XXXX/ XXXX/ XXXX/ XXXX.
Product: Credit reporting or other personal consumer reports

Erase and DISCHARGE ALL INQUIRIES According to Congress Federal Law Fair Credit Report Act 15 USC 1681 A-N Definition Exclusions of Contract and Civil Liability for Willful Noncompliance erase and discharge the line of credit and transactions/experiences that show late payments, payment history, utilization, mixture of credit, length of credit history, new credit. These shall be excluded on consumer reports. 

You ( COMPANY ) will also need to show original agreement with signed wet ink signature. Since you can not furnish this information, please discharge/delete this negatively impacting report item. 

***Should you not close immediately, I will pursue civil litigation and sue for defamation, denial of credit opportunities, and denial of career opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax, XXXX and XXXX to request that any Security Freeze be lifted from my credit reports immediately. A month later XXXX XXXX  requested copies of my scores for a credit card account and I was advised that they are unable to pull my scores due to a security freeze. 
I need assistance as I am being given conflicting information.
Product: Mortgage

Please see complaint # XXXX. However, the notary assigned to closure on the loan today did not show at the scheduled time, even though the closing was confirmed by both email and phone. During the confirmation via phone, she also indicated that she did not receive the necessary information from the title company, but indicated that she would keep the appointment. Please see email below : -- -- - Original message -- -- - From : XXXX XXXX Be XXXX To : XXXX Subject : Closing Date : Saturday, XX/XX/2020 XXXX XXXX I am a notary confirming our appointment today at XXXX XXXX Please call XXXX XXXX XXXX XXXX Sent from my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

Bankruptcy XXXX XXXX Filed Date XX/XX/2012 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft 01 CAPITAL ONE N A Account Number : XXXX This is not mine.
Product: Student loan

I had a Federal Student loan with XXXX XXXX from 21 years ago. 
Navient obtained it and is now incorrectly reporting the loan as XXXX loans on on my credit report. XXXX loan is for the original loan amount with several months reporting late, which is incorrect. This loan shows closed, while a XXXX loan shows open as of recent for almost double the the amount of the original loan. I have sent a dispute letter to Navient for for the incorrect reporting and they have not only not acknowledged my dispute, but are continually reporting the inaccurate information. 
I waited a full 30 days and sent a second dispute letter, once again requesting proof of what they are reporting and still no response and still reporting these inaccuracies to the credit bureaus. Not once have I received acknowledgement from Navient on my request for information. They have not marked my account as being disputed with any of the credit bureaus. It has been over 90 days and by law they 're required to mark my account disputed with in 30 days.