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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> TransUnion LLC, Subject : Formal Dispute of Inaccurate Credit Information Dear TransUnion Dispute Resolution Team, I am writing to formally Correct/Update inaccurate information reported on my credit report which I obtained through your services. The disputed information relates to the credit utilization of my XXXX XXXX XXXX  Your report inaccurately reflects a balance of {$17.00} and a utilization rate of 9 %. However, my account from XXXX XXXX XXXX, clearly indicates a balance of {$0.00} with an available credit of {$200.00}. This discrepancy is evident in the attached documents, which include : XXXX. A screenshot of the inaccurate information from your credit report. 


XXXX. My account statement from XXXX XXXX XXXX  verifying the correct account balance. 



I request that you promptly investigate this matter and correct the inaccurate information on my credit file. Once the correction is made, I will gladly withdraw the complaints I have filed with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies regarding this issue. 

Please confirm in writing that the requested correction has been made or provide an explanation if further action is required. I kindly request your prompt attention to this matter, as it directly impacts my creditworthiness. 

Thank you for your cooperation. If you require any additional information or documentation to resolve this dispute, please do not hesitate to contact me. 

Sincerely
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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: Credit reporting, credit repair services, or other personal consumer reports

SageStream , LLC  XX/XX/2019 Received letter from XXXX XXXX XXXX ( recently moved so set up service ) SageStream gave XXXX XXXX XXXX credit score of XXXX ( just bought a house and credit score was XXXX, so way off ) XXXX XXXX XXXX directs me to SageStream. Call SageStream and you have to leave message - no reps available which is odd. Or you can fax/email all of your personal information ( driver license, social security number, address, etc ) which is not a secure method to send this type info when you can't get a hold of anyone at the company. 

I've read similar reviews about this company ( SageStream ) providing very low credit scores - probably because they get kickback and then XXXX XXXX XXXX can charge {$190.00} credit management fee which is absurd when you have great credit. I will disputing this with both SageStream and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Reference Number : XXXX To the XXXX XXXX Department, I am writing in response to your letter dated XX/XX/year>, regarding my complaints about the XXXX XXXX account. This letter serves to clarify my position on this account, reiterate the details of my dispute, and request specific actions from XXXX. 

Summary of My Dispute 1. Identity Theft and Unauthorized Account Activity : The XXXX XXXX account was established fraudulently in my name without my knowledge or consent. This account is a result of identity theft, which has been documented through prior complaints and communications with your organization, the FDIC, and the CFPB.

2. Inconsistent Information on Account Ownership : XXXX XXXX XXXX closed this account on XX/XX/year>, as fraudulent and stated it would delete its tradeline. However, I later received a notice from XXXX XXXX XXXX XXXX, on XX/XX/year>, claiming the account had been transferred to them, causing confusion and inconsistency about the accounts current ownership and status. 
XXXX. Misleading Credit Reporting : Despite XXXX XXXX XXXX confirming the accounts fraudulent status, the XXXX XXXX is still inaccurately reported on my credit report, specifically with Experian. This reporting is erroneous and has a detrimental effect on my credit standing. 

My Requests Given these circumstances, I am formally requesting the following : XXXX. Permanent Deletion of the XXXX XXXX : I request the complete and permanent removal of any tradeline associated with this fraudulent account from all credit reporting agencies. 
XXXX. Documentation of Account Ownership and Transfer History : I request a detailed history of the ownership and handling of this account, documenting all dates and entities involved in its transfer or servicing. This information is necessary to clarify the inconsistencies and resolve this matter.

3. Immediate Cessation of Collection and Reporting : As the account has been confirmed as fraudulent, all collection efforts and reporting should cease immediately. Please confirm that no further reporting will be made concerning this account. 

Next Steps Please provide a written confirmation of these actions within 10 business days. I am committed to resolving this issue and will pursue further action if necessary. You may contact me by email at XXXX or by phone XXXX Thank you for your prompt attention to this matter. 

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

My loans were transferred to another loan servicer. Before my loan was transferred they were in deferment status. XXXX are still reporting on my credit as late and failed to pay even though they no longer own my loan. Those loans are still being reported negatively on my credit report for all three credit agencies. I called and emailed XXXX several times to no avail. These negative black marks has had a negative impact on my credit score and they are stopping me from completing the process of purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed ANAUTHORIZED INQUIRIES on my credit report. someone else applied in my name. 

According to the FCRA, these UNVERIFIED and UNATHORIZED inquiries must be remove. 

name of credit bureau : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

On XX/XX/2016, I filed for Chapter 7 bankruptcy protection, which any and all debts were included. A copy of my discharge was sent to all credit bureaus on XX/XX/2016. 

On XX/XX/2016, I applied for a loan and was given a rejection with Corelogic/Teletrack listed as a data furnisher, a data furnishing company I had never heard of before. 

Under the U.S. Bankruptcy code, all debts incurred prior to filing are considered discharged regardless if remembered or not. To the best of my ability, all debts were listed and they were all successfully discharged. 

Whoever Corelogic is, whatever files they have on me, and whatever kind of nefarious practice they are running are concerning to me. 

The case number for my bankruptcy, which was filed and discharged successfully in the XXXX of Indiana, is XXXX - identification has been uploaded.
Product: Debt collection

I received an alert today from XXXX Credit Bureau to advise me that there was a change to my credit. Once I logged on, I discovered 2 unknown collection accounts on my credit from Law Offices of MBA??? My credit report further states the date of services or the day the accounts were opened was XXXX and its for a company called XXXX XXXX. My complaint is that I have never received a collection notice from this company before. I also have health insurance and I have not been to the Dr. this year so far.- I don't know what this is for. I have also been a victim of Identity theft they can check with the FTC or the bureau. I have a police report on file.
Product: Credit reporting or other personal consumer reports

This account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), shows a 30-day late payment in XX/XX/2024. This account falls under the FCRA 's permissible purpose rules, and I did not give permission or authorize Experian to report it, which constitutes a violation of these rules. I have never been late on any payments, and reporting this account as late violates 15 U.S.C.1666b ( a ). Furthermore, failing to ensure maximum accuracy in reporting breaches 15 U.S.C. 1681e ( b ). If this issue is not corrected, it will be treated as willful non-compliance under 15 U.S.C. 1681n, which allows me to seek up to {$1000.00} in damages per violation, along with compensation for any other harm caused. I demand the immediate correction of this false late payment. Please address this issue without delay.
Product: Debt collection

Dear Sir/Madam : I originally went to a dentist to get work done. They stated I could finance the amount it would cost. Ally Lending sent me the agreement which in essence stated that if I paid the amount in full within 6 months, there would be no interest. 

Pursuant to the original agreement, this debt was completely paid off prior to the 6 months ( From XX/XX/2021 to XX/XX/2021, and therefore, should not only have zero interest. However, Ally will not remove interest and has even charged a late fee. While the amount they claim owed is around {$150.00} and could be considered a nuisance amount, I will not pay what I do not owe. I have sent statements and letters to the company. They ignore everything. They email, mail, call, etc. for this amount. It seems they lure the customer into their 'no interest ' agreement and then they do not abide by it and attempt to get an amount afterwards they think people will not fight. 

If they do this to enough people, they will likely and have likely made millions of dollars which they are not owed. I'm an attorney, and therefore, will not be intimidated by their tactics. However, others will and this must stop. It is fraudulent and deceptive. 

Their own initial documents have an entire section on " I have an Interest Promotion ''. This was the only reason I financed this amount through Ally. I have paid everything by XX/XX/2021, before Promotion Period i.e. XX/XX/2021. 

Therefore, the current bill that Ally keeps trying to collect needs to be credited in its entirety and I have asked for written confirmation. I have also informed Ally that If any of this is reported to any credit bureau, I will immediately dispute and contact both the XXXX XXXX XXXX and the appropriate California governmental agency for fraudulently advertising there will be no interest should the debt be paid off and then proceed to charge interest and a late fee. 

I sent same letter on your above address on XX/XX/2021 giving all facts and documents but in spite of that I am still getting reminders and alerts from yAlly, but to no avail. 

The bottom line : A. Ally lures customers in with no interest loans if paid off in 6 months ; B. Even if paid off in 6 months, they accrue interest and penalties ; C. Ally goes after customer in multiple ways to try to collect a debt that is not due. 

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

I disputed a balance due on Experian and provided all evidence the amount was paid in full. Experian refuses to update my report and is still reporting a {$35.00} balance with XXXX. I had attic insulation installed in my home in XXXX through XXXX. The total amount due was {$2100.00}. I made three payments ( {$100.00} on my XXXX XXXX card XX/XX/XXXX, {$1900.00} on my XXXX card XX/XX/XXXX, and {$100.00} on my XXXX card XX/XX/XXXX ). Additionally, my online XXXX account is showing " You have no payments due '' and {$2100.00} is marked " paid '' in my paid history. Screenshots of statements and my account were provided to Experian showing the amount was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed a few inquiries on my report I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 sec 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This has all cause a drastic drop in my score and unwanted hardship Im a time of need I deserve better I earned it no matter what the reporting is showing
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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

Platinum Holdings is attempting to collect a zombie debt by claiming that the debt I supposedly owe does not fall under the FDCPA statute of limitations. They have been calling my siblings due to my being out of the country. I called and spoke with XXXX and she proceeded to tell me that since it was a debt owed to XXXX, it falls under a " precious metals contract '' and has no statute of limitations. When I stated that I did not acknowledge the debt and wanted documentation proving the debt in order to seek legal advice, she refused to send me the documentation. She is now saying that their counselors will be proceeding with suing me even though I have not received any documentation. At. All. from them. She stated they were sent to my old address and it did n't show in her system that I had received the documentation. That 's because I never received anything from this company in any way, shape, or form which she well knew! Once I stated I did not acknowledge the debt, she proceeded to speak over me and got hostile. This is a debt that is over a decade old that they say I owe but refuse to prove that I do indeed owe. She refused to send me anything since I do not acknowledge the debt. This is a debt that does n't exist on my credit report! So there is no legitimate claim that I legitimately owe. She refused to send me anything after I refused to acknowledge the debt. I asked her for her agent number and credentials and she gave me her extension number ( XXXX ) instead saying that she is not an agent and has no credentials.
Product: Student loan

My originally loan was with XXXX XXXX, the loan was sold to NAVIENT. I paid an amount upfront so I wo n't have a payment until XXXX. I have been repaying my loans since XXXX, I graduated at XXXX. Every time I had asked them to provide me the total interest I paid, they referred me to a loan consolidation so they can charge more interest. My original interest was 3 %. I asked them many times to provide me a discounted payoff options to no avail. As of now, I do not have the information of how I still have $ XXXX and change remaining making payments for so many years. I would like cfpb to look into my loan accounts and provide me this information as Navient has not. Also, why would n't they offer a payoff option so one can cut their interest rather than inviting us for forbearance, consolidation, etc where it adds to the interest rate? This seems to be a highway robbery. Please look into this for me. Much appreciated. XXXX XXXX Tel : XXXX
Product: Debt collection

NordstromTDBank open in XXXX my Identity was taken and chargers were made. I called in to report, creditor stopped chargers being made and a couple of weeks later it was reopened when the thieves called in pretending they were me in which it wasn't me but they had my personal info. Police report was given at the time of the call the first call. They
Product: Money transfer, virtual currency, or money service

This is a complaint regarding failure to communicate by Google 's representative. I was promised that someone would reach out to me but no one did.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XX/XX/XXXX Ss # XXXX Experian XXXX XXXX XXXX XXXX Tx XXXX XXXX To Whom It XXXX Concern, I filed Several CFPB COMPLAINTS regarding my credit profile which Experian has not provided the information that I requested in regards to their dispute investigation process or provided the documentation I requested which include original court documents and my wet signature, regarding the Chapter XXXX Bankruptcy filed XX/XX/XXXX case # XXXX, Chapter XXXX filed XX/XX/XXXX case # XXXX and Chapter XXXX file XX/XX/XXXX case # XXXX. I was a victim of Human Trafficking and identity theft which I provided the appropriate information ( self attest letter ) to Experian which I believe wasn't investigated. This has caused further damage to my life and the inability to acquire basic essentials required to live a normal life such as housing or employment. XXXX a Victim of Human Trafficking and the public records that appear in this complaint are a result of that trafficking. Please block this information from my credit report within XXXX business days pursuant to section 605c of the fair credit reporting act. Thanks in advance for your timely response to this request. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ill try to be brief. A company called CCB/XXXX gives me a loan for $ XXXX. XXXX interest yet makes it very difficult for the customer to make payments. Regularly stating my account can not be found. No auto pay option available and many small ways to limit or hinder an on time payment which in turn causes late fees for past due amounts. Ive addressed this issue with them and they have waived some fees and just recently made it easier for me to make over the phone payments. They state they understand my problem with my account yet now dropped my credit card limit from $ XXXX to {$400.00} bucks. Also I have two late payments on my record now because of the way they do business. They must be upset that Im trying to pay off my balance fast. This is their system and their lack of available payment options and is now causing huge damage to my report. I need help and options please. Thanks in advance
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the handling of my open accounts with your company. Despite numerous attempts on my part to rectify the situation, the issue of late open accounts persists, and I feel compelled to escalate this matter to ensure it receives the attention it deserves. 

Despite my repeated efforts to address this matter through various channels, including emails, phone calls, and in-person visits to your offices, there has been a lack of resolution. Each time I have reached out for assistance, I have been met with assurances that the issue would be promptly resolved, yet the problem persists. 

The consequences of these late open accounts have been detrimental to both my personal finances and my confidence in your company 's ability to fulfill its obligations. Not only have I incurred unnecessary fees and penalties, but the trust I once had in your organization has been severely eroded. 

As a valued customer, I believe I am entitled to timely and efficient service, which unfortunately has not been the case. Therefore, I am formally requesting the following actions be taken to rectify this situation : Immediate resolution of all outstanding late open accounts associated with my account.

Compensation for any financial losses incurred as a result of these delays.

Assurance that measures will be put in place to prevent similar issues from occurring in the future.

A formal apology for the inconvenience and frustration caused by this ongoing issue.

I expect a prompt response to this complaint and a clear plan of action for addressing the concerns raised. If necessary, I am prepared to escalate this matter further through legal channels to seek appropriate restitution.

I trust that you will treat this complaint with the seriousness it deserves and take swift action to resolve the underlying issues. I am asking for your assisstance to correct the late open accounts in my credit file : 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: Consumer Loan

Over labor day weekend I leased a Hyundai from XXXX Hyundai in XXXX XXXX, CA. 
I checked my credit report later that week and noticed that there were XXXX inquiries per bereau, XXXX from XXXX Hyundai and XXXX from Hyundai Motor Finance. I did authorize my credit to be ran by the Dealership for lease approval, but was under the impression that it was only being ran one time. I did not authorize my credit to be ran two times. 

I contact XXXX, XXXX, and XXXX, all of which asked me to contact XXXX Hyundai, which I did. XXXX did not give a sufficient explanaiton as to why this happend and again I did not authorize XXXX pulls on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello good morning, I have been trying to get these few fraudulent accounts off my credit report and I reach out to the experian, XXXX and XXXX regarding this and they explained that i need an ftc report. This is affecting my credit profile really bad. Again, I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report and my driver license to help verify my identity. Thank you