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

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$15.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$75.00} ; XXXX XXXXXXXX  ( Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello I recently talked with the debt collector about said credit card debt they say I owed, but I told them I paid it off 2 years ago they still are reporting it as owed and calling me and sending me letters saying I owe when in fact my state taxes was garnish to pay said owe debt and my work wages was also garnished. I emailed them, called them, and provided proof the the amount was satisfied within my local courthouse. I filled numerous disputes and provided proof and they still reporting it on my credit report and harassing me about the debt. The amount owed was XXXX from XXXX XXXX XXXX but the company lvnv had the debt and the courthouse paid lvnv company, so XXXX XXXX is trying to get payment on an old debt that was paid. I also paid off XXXX XXXX and they are also trying to get me to pay them a second time when they surd me and garnish my state income tax. These companies are still reporting the debt as owed and trying to force me to pay a second time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2021 @ XXXX CST, I called Equifax to dispute inaccurate information being reported on my credit report. I disputed earlier, but information continues to show on my report. I explained that I had disputed earlier, and that they had not corrected. The issue is that Equifax is reporting on three of my accounts incorrect date reported inputs. I explained that a data entry person incorrectly inputted report date into the date reported field ( which are not the same ). These are all closed, XXXX balance, no activity accounts. I continued to explain that this administrative error is impacting my credit score in a very negative manner ; decreasing my score. Which is impacting my livelihood. My request is to have the information corrected immediately for the reason that it is Equifaxs error! If they could not correct the entry, I requested that they remove the accounts from my report! I requested to speak with a supervisor ( First Name : XXXX ). XXXX only proceeded to tell me that it would take 30 days to dispute. I explained that I had verified the information with the creditors, and that it was a quick fix! She proceeded to talk over me and not listen to the logic in correcting the error immediately. I continued to explain that the algorithm of their model is reading the incorrect information as a new account/delinquency! Therefore, reporting INACCURATE/INCOMPLETE information, and is UNFAIR REPORTING! 
XXXX then abruptly hung up the phone in my ear. Very unprofessional! 
I called back to the company and spoke with a different first line person. While talking with her, the call was disconnected? I called back a third time and was unable to get through..they somehow blocked me from reaching a live person. 
Again very unprofessional!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer reports my name is XXXX XXXX this is the only name that I am known as and the only XXXX correct to use. My address is po box XXXX XXXX XXXX MI XXXX this is the only address that I use and is correct. Delete any information that is not listed as such. My employment is The XXXX Corporation this is how my employer is spelled. This is the only way to spell it so do not misspell my employment. My second employer is The XXXX Company this is the only way to spell my employment. Remove any other employers or name it is not correct! XXXX XXXX XXXX XXXX XXXX is not my address neither is XXXX XXXX XXXX XXXX these are not mine again they are not mine.
Product: Credit reporting

I sent the attached letter to Equifax over 60 days ago. To date, they have not responded to me in any fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : This letter is in response to your claim that XXXX XXXX verified that the account that they are reporting is accurate. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) and ( 7 ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information.

Name, address, and telephone number of each person contacted regarding this alleged account.

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification.

The item in question is inaccurate and represents a very serious reporting error.

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX
Product: Checking or savings account

Bank of America reported a " data compromise '' and issued a new ATM card. They have done this to me on at least 3 other occasions. 

When I asked for details about this compromise, they said it was sensitive information and could not disclose it to me. 

I asked how they were notified of the compromise and they again refused to answer. 

I do n't want to do business with the merchant or other company responsible for the compromise and Bank of America 's lack of transparency makes this impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Financial Recoveries several times attempting to address the accounts on my credit report. Every time I contact them another amount is added to my account. Last time I contacted Financial Recoveries on Friday, XX/XX/2019. I tried to obtain information about the account but they could not tell me anything except for amount they are requesting. I never received a bill stating these amounts. I tried disputing the accounts, sent letters and they were ignored. The account is fraudulent and should be removed from my credit report. What are the amounts for? When did services occur?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  XXXX XXXX  ( Date Filed/Reported : XX/XX/XXXX, Reference # : XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

2. XXXX/XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

3. XXXX/XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

4. XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

5. XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

6. XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened onXX/XX/XXXX.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX  onXX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the following information on my credit report. I recently reviewed my credit report and noticed inaccuracies and/or incomplete information and accounts that are inaccurate. According the Fair Credit Reporting Act Section 15 U.S Code 1681s-2 ( a ) ( 1 ) ( F ) - you are required to promptly report the credit obligation or account as current if the furnisher makes accommodation defined as an agreement to defer one or more payments or forbear any delinquent amounts. These reported late payments on the accounts listed above all fall in the covered period mentioned in FCRA 1681s-2 ( a ) ( 1 ) ( f ). 

With that being said, I demand that all late payments reporting late on this account be updated to Paid as agreed, never late and the account be reported as current. If you neglect to update this information, I will promptly file a CFPB complaint Account Name : XXXX XXXX XXXX Date Filed : Type of Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX Late Payments listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Account Name : XXXX XXXX XXXX XXXX Date Filed : XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX Late Payments listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Date Filed : XXXX Type of Account : XXXX XXXX  Address : XXXX XXXX XXXX .

Number : XXXX provided Late Payments Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX Date Filed : XXXX  Type of Account : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Number : None provided Late Payments Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Date Filed : XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 Number : XXXX Late Payments listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Date Filed : XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX Late Payments Reported : XXXX XXXX XXXX XXXX XXXX XXXX I await your reply. Once you have fulfilled my request please mail me an updated credit report reflecting these changes. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

Citibank offers a yearly bonus of XXXX Elite Qualifying Miles on AAdvantage if you charge and pay more than {$40000.00} in a given year. In 2014 I exceeded that amount by almost 50 % yet they refuse to honor that bonus offer which, by the way, is still shown on their web site.
Product: Debt collection

I'm a victim of identity theft. Even though I did not have any credit card from American Express, someone apparently used my ID information, opened a AmEx credit card in XX/XX/2017, and made purchases for about {$8600.00} using the card. I made several phone calls to the American Express office informing that the debt was from an identity theft. I reported the ID theft crime to ( i ) Police Department ; ( ii ) FBI ; and ( iii ) FTC. I sent all of the reports ( police report, FBI report and FTC ID Theft report ) to American Express to show them that I was a victim of identity theft and asked them to close the unauthorized credit card account under my name and remove any charges on the account. However, American Express said they are unable to accept my claim since I RECEIVED AND USED THE CARD ISSUED IN MY NAME although I never received the card and never used it. I requested all of the information provided to American Express at the time of the credit card application. American Express provided the information to me. Among the information, the person used a XXXX XXXX address and additional card member 's social security number and birthday which does not belong to me. Although I appealed American Express that those information is not mine, they are still not willing to accept my claim. Rather, they recently hired a collection agency to try to collect the debt that I have been disputing with them.
Product: Student loan

I have been on   XXXX   XXXX   from my employment since  XXXX    XXXX  . I requested a  XXXX  from Navient, which I was granted. Today, I received a call stating I can no longer qualify for   XXXX    although I am still on   XXXX   XXXX  . I informed them that I could have my doctor fill out any paperwork they need to have but the customer service rep asked how are my other bills getting paid. Who is paying my bills, how am I eating or living every day. I told her family and friends were helping me. She then went on to say that was income. I asked for a manager. The manager came on line to say the exact same thing. I tried to explain that my family and friends income has nothing to do with my income, but the  manager  became very aggressive stating it is not there issues that I am on   XXXX   XXXX  . At what point, I ended the call.
Product: Mortgage

For many years Bank of America serviced my home mortgage. XXXX XXXX  XXXX took over. XXXX told me that I have been 1 month late since because I missed a payment at the end of XXXX. I looked at my records and it showed I had made the payment. XXXX sent me a " loan history '' to review. I noticed that on XX/XX/XXXX my payment went to " unapplied payment ''. I paid the payment but it was not applied to the correct account. Ater a year of going back and forth with XXXX they told me to talk to Bank of America because they are the ones that made the mistake. I did just that and a representative called me and could not explain what happened. I ask them to remove the " excessive late payment '' on my credit report because it has destroyed my credit rating. It shows I have been 1 month late since XX/XX/XXXX. Bank of America never mentioned this to me. My loan history shows I have made every payment since XX/XX/XXXX. I hired an attorney to rectify this. BoA has not responded to any emails he has written. I've made every payment with a 99 % on time rating since XXXX. I need your help to resolve this.Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX CAVALRY PORTFOLIO SERV ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX  Account # : XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! As you see below, the DATE OF LAST ACTIVITY IS WRONG for this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court, for {$400000.00} from XXXX and {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from Cavalry Portfolio Services LLC for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX  and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX NOT my accounts. Please REMOVE THESE ACCOUNTS AND THE NAME XXXX XXXX OR XXXX XXXX XXXX. MY name is XXXX XXXX XXXX Also please IMMEDIATELY REMOVE THE FOLLOWING INQUIRES WHICH ALSO ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to DELETE these unverified accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : XXXX, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX  XXXX Original Creditor Name XXXX XXXX XXXX XXXX IN XXXX  ) XXXX Balance : {$220.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA ( THE LAW ) Equifax XXXX XXXX needs to remove these unauthorized inquires. Its been over 30 days Under federal law, equifax has thirty ( 30 ) days to complete their investigation per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ).

They have also failed to provide proof with my signature that SHOWS I authorized these inquires.
Product: Debt collection

They took an illegal action. After agreeing to pay a monthly payment of {$100.00} per month. They withdraw {$500.00} during the second month even though I paid on time. is this a violation to the fair debt collection act or the Electronic Fund Transferred Act? XXXX however my bank did refund the charges. I am now afraid to deal with this law firm.