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

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and XXXX have gotten into the hands of the wrong person.
Product: Debt collection

I have been getting numerous calls almost everyday through a company I do not recognize and now I see they are reflecting on my credit report. I have not received any letters/mail from them so I thought it was a spam call. They dont say anything on the voicemails, they even called twice in a day XX/XX/year>. The company is called XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XX/XX/XXXX A settlement was reached to pay less than balance due. Both the settled contract and agent stated it would be repprted as settled. ( see contract attaxhed ). 
I emailed compliance requesting the correction no response. 
XXXX Spoke to supervisor XXXX she processed a ticket to compliance. 
XXXX I emailed XXXX The contract for settlement states it will be reported as a settlement and closed. 

It doesn't state it will be repprted as written off, which Experian identifies as a charge off. I emailed XXXX a pixrure of the status on my credit report. I was never late.
Product: Debt collection

Sent 2 letter certified mail and filed a dispute on XXXX 2 months ago
Product: Credit card

I opened a Synchrony Care Credit Card at the insistence of the XXXX  to pay for my sons XXXX. I used their payment calculator to figure out how much to pay a month so that it would be paid off in time. The XXXX  keeps the number on file and at some point I was charged another amount ( without being informed directly ), increasing the balance. This resulted in me having a balance of {$900.00} at the end of the promotional period. I was subsequently charged nearly {$940.00} in back-interest, at a rate of % XXXX. I could have used any other credit card and got a better deal. I asked for help with the balance and they refused. I was planning on using the card to pay for my son 's XXXX in XXXX weeks but now can't afford to use the card. I paid the care credit card fees off with my entire paycheck to avoid getting bad credit or new fees, but I am single mom and is totally devastating.
Product: Credit reporting or other personal consumer reports

Account name AFFIRM INC Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX This item remained unchanged from our processing of your dispute in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Customer attempted to log into Experian account. Customer unable to access Experian online service. Online service rejected answers to security questions. Online service provided automated telephone number. Automated telephone number did not provide option to speak with a living person or other option to access online service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card that I rarely used at the time, but now no longer use at all. It had a XXXX   balance last time I checked it. There was a fraudulent charge from XXXX on XX/XX/2018 for {$110.00}. On XX/XX/18 I realized that my credit score on XXXX XXXX had been impacted, so I looked into the situation. I noticed the fraudulent charge and then promptly disputed the transaction with XXXX XXXX. They refunded the amount and the late fees on XX/XX/2018 and considered the dispute closed. I reached out to them again to let them know that the reported late fees were still affecting my credit reporting. I reached out to XXXX, TransUnion and XXXX  to report the issue and raised a dispute with all three bureaus. One bureau has the late payment still under dispute and the other two have reported it as resolved with no error found. My credit score dropped from around XXXX to around XXXX on the other two reporting agencies. Disputing a reported item will cause it to be excluded from a score, so my other score is still around XXXX. This is now a huge problem because my husband and I are trying to buy a house and his score is around XXXX. The lenders are giving us rates 0.375-0.5 % higher just because of this unresolved issue on my credit report. I am now not sure which way to go about this now. XXXX XXXX has been no help.
Product: Credit card

Credit Repair Cloud charged my card XXXX for an account that I tried to cancel. They made it impossible to log into the service to cancel online. They had a test that you had to take in order to log in. When I couldnt pass the test after several attempts, I gave up and still was not able to log in and cancel service. When I received the charge, I replied to the companys email requesting a refund for a service that I attempted to cancel several times and was refused the refund. I was not able to use the service for over a month. They charged for a month in advance and I do not want the service. I did not give them permission to charge my card for the XXXX. We agreed to a payment of 70 % off of the fee and then my account was to cancel. My next step is a charge back with my bank.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach.
Product: Debt collection

I found this tradeline listed on my credit report. I send a dispute letter onXX/XX/XXXXto Portfolio Recovery Associates LLC to dispute the debt in accordance of FDCPA and Texas Debt Collection Act ( attached ). They have not sent any proof of any contract bearing my signature or or showed any proof they are legally allowed to collect debt in Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me get a proper solution to this frivolous account that is continuously being removed and added back to my credit reports. I have made several attempts to dispute this debt via handwritten letters sent via certified mailed to the data Furnisher FINANCIAL ASSISTANCE INC AS I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY and have not received a response or verification that this debt belongs to me. I have retained all documents of my actions thus far for proof and documentation. I believe this is a direct violation of my rights as a consumer per the XXXX  FCRA. to deny my right to receive valid verification that this account belongs to me. I have previously disputed this account and have successfully been able to remove the account however it is just sold to another furnisher, or the current furnisher changes the name and updates or adds this account back to my credit file with no explanation on an erroneous, alleged collections information. FINANCIAL ASSISTANCE INC has never proved this debt belongs to me legally. In addition, FINANCIAL ASSISTANCE INC shouldnt be allowed to continue reporting this frivolous debt and the credit Bureaus are failing to properly investigate the information being reported. This fight or battle to fix my credit so that only accurate information is being reported has caused me mental and physical health issues and restraints. I am reaching out as a final result before seeking other solutions. This information needs to be removed from my credit files because it can not be verified and continues to report and update inaccuracies on the credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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 with antedates the report by more than seven years.

15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

I was with Nation wide bi weekly program and i have got XXXX notices over the weekend saying that my account is temp suspended. I tried to call I want to make sure they have my extra payment that is supposed to go to my house now on XXXX XXXX and no one will answer they say they are having technical difficulties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my investigation results. and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, i was reading the FCRA and noticed that these companies violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX Account XXXX : XXXX 2. Account Name : XXXX XXXX Account Number : XXXX* 3. Account Name : XXXX XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX Account Number : XXXX XXXX 5. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX 7. Account Name : XXXX Account Number : XXXX 8. Account Name : Soc Sec Admin Office O Account Number : XXXX 9. Account XXXX : XXXX XXXX XXXX Account Number : XXXX 10. Account Name : XXXX XXXX Account Number : XXXX, 11. Account Name : XXXX XXXXXXXX Bankruptcy Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As ofXX/XX/XXXX when I applied to buy a house, they informed me there are 8 loans listed as XXXX and 18 listed as XXXX XXXX XXXX with a total of 36 different account numbers that are all reporting past due. I only have 2 loans serviced by XXXX sinceXX/XX/XXXX
Product: Credit reporting

Upon being denied from a lender for " too many inquiries '' from  XXXX  report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Experian,  XXXX  and  XXXX  that I DID NOT AUTHORIZE and had no knowledge of. I also have had frauds alerts already in place which should have avoided any future issues. Please see the following inquries that were not authorized by me with the date of when the report was improperly requested and received any identification or authorization from ME to pull my credit for any reasons.     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

I was in the process of switching phone carriers and I recieved a call from my husband saying a debt collector called him and was very persistent i then got my phone on the same day and my friend XXXX called me and told me that they called her to that day then my mom called and they had also called her and ask for information and they repeatedly tried to harrass my friends and family with calls within 24 hours. I spoke with them this morning, they had no reasoning to be calling everyone in reguards to my debt and it has become embarrassing and upsetting
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

On Saturday, my Discover card was scammed and there were charges made to XXXX and XXXX. My XXXX XXXX  cards were also scammed. I called all three credit card companies immediately and the XXXX cards took the transactions off but the Discover card did not. They told me the charges were legitimate, They were not.
Product: Credit card or prepaid card

Discover card revolved my account with out prior warning. They claim I called in and have a recording where I agreed to provide personal information verification via email. I made two payments to discover in XXXX, if I was unwilling to work with discover I would not have made two payments in XXXX. I requested they reactivate my account and they refused. However they never produced in writing any request regardless of phone call to ensure that the information was not missed in an email. They claim two have sent two emails requesting personal verification via email with out sending a letter when the email process they say I agree to didnt work. I am not disputing the call or conversation I just dont remember it. People forget things this should not be a reason to revoke their account without true due diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, As part of the purchase process with my new construction home - the builder XXXX require you to have a credit check with their lender, Eagle Home Mortgage in XX/XX/XXXX. 

The house is still under construction and is not scheduled to be complete until XX/XX/XXXX. I have not decided which lender I am expecting to use and was planning on shopping for rates at a date closer to closing. 

This morning at XXXX I received an email from XXXX XXXX a Loan officer at XXXX XXXX. 

" XXXX XXXX, Your credit report is expired and invalid. Credit reports are good for 120 days. This is notification that our Processing Department is updating your credit report for your XX/XX/XXXX closing with XXXX. 

XXXX XXXX Senior Loan Officer NMLS # XXXX '' I responded at XXXX as below. 

" XXXX please do not pull my credit report. 

I do not give you permission at this point. 

Thanks, XXXX XXXX '' I then received this response " Greetings, I called immediately to halt this action but the report had already been pulled by processing. Your credit scores are still very good and this will have no negative affect on your loan approval here or at any other lender. My apologies this was not run by you first. 

XXXX XXXX Senior Loan Officer NMLS # XXXX '' I did not give this Lender permission to pull my credit report and I am extremely upset with the assumption that they assumed they could pull this. 

This is the reason I am filing this complaint. 

XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

This was a checking acct that I rarely used, with the exception of a couple auto-drafts that I cancelled and reassigned to a different account. An auto-draft that I had cancelled was presented to XXXX and was paid by them, along with OD fees ( even though I opted out of OD protection ) and overdrew the account. XXXX failed to notify me of the OD. I logged into the account to close it and saw the OD, so I attempted to make a transfer, but my transfer access was closed. I called them and was advised that I had to make a deposit at a branch. Since I was living out of state and there are no branches in my state, I had to deposit the amount to a family member and have them go to the branch for me. This was done the same day within hours of seeing the OD. 

I immediately called XXXX to let them know and the branch supervisor that I spoke with stated everything was alright and the acct was going to be closed as requested. Shortly after that I found this acct had been reported to XXXX XXXX XXXX and Experian as a Paid Charge-off. I work very hard to maintain good credit and banking relations and believe this reporting to be inconsistent, filed in error and unjust. I have disputed the info with XXXX, the credit bureaus, XXXX and XXXX with zero resolve. It remains on my credit reports as a Paid Charge-off, which caused my FICO scores to drop by XXXX points. 

I discovered the overdraft and made the deposit on XX/XX/XXXX. The only notice that I received from XXXX was on XX/XX/XXXX, dated XX/XX/XXXX. The bottom line is that even though XXXX did not alert me that the account was overdrawn, I did discover it and made the deposit within one day of their backdated closing letter. XXXX is acting extremely petty with zero regard of the hardship that they are causing me. 

My next step will be to file suit against XXXX. I have consulted with a consumer banking attorney and he has counselled me to give this one last shot with CFPB before filing suit. Once we file the suit, there will be costs associated and it will no longer be a simple issue of XXXX removing the account from my credit reports, as we will be seeking all costs and damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cfpb In accordance with the fair credit reportingn act. The list of accounts below has violated my federally protected to consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX Date Opened : XXXX XXXX, XXXX Account Number N/A  Has violated my rights XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Number N/A Has violated my rights XXXX Original Creditor XXXX XXXX Date Opened : XX/XX/XXXX Account N/A Has violated my rights XXXX  XXXX XXXX Original Creditor XXXX XXXX XXXX Date Opened : XX/XX/XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that 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 the seven years.

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

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XX/XX/2020 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY