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

I am filing this complaint against XXXX XXXX XXXX due to their ongoing illegal practices and grossly inaccurate reporting on my credit file. Attached is documentation from the original creditor confirming that the balance they recorded differs significantly from the amount XXXX XXXX XXXX continues to report. A settlement has already been reached with the original creditor, and I do not owe XXXX XXXX XXXX anything. 

Despite repeated notifications and complaints, XXXX XXXX XXXX has failed to correct these inaccuracies. This company has ignored its legal obligations, and its actions reflect a clear violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. TransUnion, the sole credit reporting agency allowing this erroneous information to appear on my report, is equally complicit in perpetuating this harm. 

The impact of this account 's continued presence on my credit file has been devastating, causing undue emotional distress and financial hardship. My attempts to resolve this matter for over a year have gone unanswered, leaving me no choice but to escalate this issue further. 

I am prepared to pursue litigation against XXXX XXXX XXXX and will involve my attorney to ensure this matter is addressed. I will also hold TransUnion accountable for allowing inaccurate information to remain on my credit report, despite being notified of its inaccuracy. I have an extensive paper trail of complaints and evidence that will be presented in court, and I am confident the ruling will be in my favor. 

Attached to this complaint are : Documentation from the original creditor verifying the correct balance and settlement. 
Proof of the inaccurate balance reported by XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) by not addressing or correcting inaccurate information on my credit report despite my previous requests. 
On XX/XX/year>, I sent a formal letter to Experian to request corrections of personal information on my credit report, specifically as follows : Correct Address : The only valid address associated with me is : XXXX XXXX XXXX, XXXX, IL XXXX I request the removal of the following incorrect addresses currently listed on my report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX Correction : Ensure that my name appears correctly as XXXX XXXX XXXX XXXX and remove any aliases or incorrect name variations.

To date, I have not received confirmation of receipt or any resolution from Experian, which fails to meet their legal obligation to investigate and correct errors within the 30-day period mandated by the FCRA. 
On XX/XX/year>, I am sending a second letter to Experian reiterating my request to ensure accurate and up-to-date information on my credit report. My concerns extend beyond simple data accuracy, as the presence of incorrect information could be misused, potentially enabling fraudulent actions that impact my credit history and financial security. 
I respectfully request the CFPBs assistance in reviewing this complaint to help ensure Experian upholds its responsibilities for the accuracy of consumer credit reports and complies with the legal requirements of the FCRA. 

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

Hello, I am writing to address a serious issue with my credit report. It shows a XXXX XXXX XXXX account that does not belong to me. This account is registered under the other person and was opened in XXXX. I arrived in the United States in XXXX and obtained my Social Security Number ( SSN ) in XXXX. It is impossible for me to have opened this account in XXXX!!! 

Additionally, the account holder resides in XXXX XXXX, while I live in New York. This discrepancy has caused significant confusion and distress. It took multiple attempts to finally connect with Experians customer service, but I found the assistance provided unprofessional and unhelpful. 

I kindly urge you to resolve this matter as quickly as possible. This is not my account, and I need it to be removed from my credit report immediately. 

Thank you for your prompt attention to this matter. Please let me know if you need further information to assist with the resolution. 

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

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXXXXXX Date Opened XX/XX/2019 Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a company with all XXXX major credit bureaus. One particular company XXXX XXXX was disputed and came back verified with all XXXX bureaus. I contacted the BBB about this account that I have no knowledge of and the results came back they they were unable to obtain documentation to validate the debt. The BBB obtained a statement directly from XXXX XXXX XXXX XXXX. I would like to know how these Bureaus validate and verify this information. On XXXX/XXXX/17 XXXX verified as my debt, but on XXXX/XXXX/17, I received the message from the BBB in regards to this company. I think it 's unfair that the Bureaus can slap unverifiable information on consumer reports and not even attemp to rectify the issue. I had to write multiple letters and make multiple complaints to prove this debt was n't mine. I want this item removed from each of my reports from each of the bureaus immediately. I want all negative and collection items on each of the reports, from each bureau validated with documents that they have recorded and retained in their files. I also want to know if there is any further action I can take. This is the second time that I have had to hunt down information that is placed inaccurately on my reports that has been reported as verified. I have included a file of the letter from the BBB as well as the XXXX  response of verified. Please help me on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : DEPT OF ED/XXXX   {$1300.00} ; DEPT OF ED/XXXX {$2400.00} ; DEPT OF ED/XXXX {$1400.00} ; The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
Product: Credit reporting or other personal consumer reports

I reside on a college campus, but Experian has flagged my address as " high risk '' due to its non-residential classification. This designation has caused significant difficulties in my credit applications, often requiring extensive explanations to creditors. In some instances, I was unfairly denied credit due to Experian 's dissemination of what I believe to be inaccurate and harmful information. 

This flag is not only incorrect but also misleading. The campus is home to hundreds of students, faculty, and staff. When I contacted Experian, they confirmed the campus nature of my address but did not provide any evidence to support the claim that it's riskier than other residential locations. On their website, Experian states, " If Experian 's records indicate that the address is a certain type of high-risk, business address ( like a prison ), they will flag the address as potentially associated with fraud and advise potential creditors to contact the individual for more information '' I hope they don't equal college campus to prisons. 

Furthermore, I am aware of multiple class action lawsuits against Experian concerning this questionable practice.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the Equifax data breach, and I've discovered misleading items linked to my profile. These are not affiliated with me, and I never authorized them. Kindly remove them immediately from any association with my identity.
Product: Checking or savings account

Sunday Morning ( XX/XX/17 ) I went to deposit my money into the local ATM at Bank of Texas at XXXX XXXX XXXX. I do not have an account with Bank of Texas, but the ATM is partnered with my online XXXX bank account. The ATM malfunctioned and took all of my money. I lost {$1000.00} in that machine. XXXX wo n't help because they said there 's no transaction/deposit/withdraw to dispute bc the ATM did n't finish the transaction. Bank of Texas wo n't help because I 'm not a customer there. My money is there. No one will help me. Please help me bring awareness to this. I 'm desperate for my hard earned money back. I also have a error receipt stating the machine malfunctioned attached.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

TransUnion is not investigating my dispute because they are not picking up the certified mail I sent them on XX/XX/2020 and I only receive error messages when trying to file a dispute online.
Product: Debt collection

im submitting a complaint because I went to a new XXXX, I provided my insurance card with the lab card and information. I was charged months later for my visit. They sent my lab work to there lab. not the lab my insurance takes. now im being charged. before my exit i asked the lady at the front desk if there is any cost or co pay. she said no. 
And now im being charged for XXXX bills total of {$860.00}. 
i called multiple times and finally was able to get a hold of someone from the Dr.office. the ending result was they could n't do anything for me, when in deed it was their mistake and lack of communication. they processed my lab work under XXXX 
Im being harassed daily with numerous calls from random numbers all times of the day. i haven received a collection notice from American Medical Collection Agency stating i have to pay this in XXXX days. 
i also would like them to provide proof for this claim. 
i did n't receive any notice or proof to receive any harassment. 

im not working right now and im going through a financial struggle. I cant afford to pay for this and especially in XXXX days.
Product: Debt collection

XX/XX/XXXX {$300.00} Seizure of all banking account American credit solutions inc
Product: Debt collection

Re : XXXX XXXX Accounts on my credit report I received notice that you verified certain items on my credit report from the following companies : 1.XXXX XXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in identity theft. So, which is it? 
Supply your response within 15 days or delete the trade-lines. 

Best Regards,
Product: Debt collection

Dear Sir/Madam, I am writing to address the recent decline of my application for a business credit card with Barclays Bank Delaware . It has come to my attention that your records indicate a previous credit card account with Barclays Bank Delaware that experienced charge-off, bankruptcy, severe delinquency, or other negative performance. 

I am deeply concerned by this information as I have never held an account with Barclays Bank Delaware, nor have I ever applied for a credit card from your institution. The account in question, reportedly from XXXX, is entirely unfamiliar to me, and I believe it to be the result of identity theft and fraud. 

To address this matter, I have taken proactive steps by filing an Identity Theft Complaint with the Federal Trade Commission ( FTC ). I have attached a copy of the complaint report for your reference. This report outlines the fraudulent nature of the account and the impact it has had on my credit history. 

I kindly request that Barclays Bank Delaware conducts a thorough investigation into this matter and takes immediate steps to clear my name of any association with the fraudulent account. Doing so will allow my credit card application to be processed and approved without further delay. 

I am willing to provide any additional documentation or information required to assist in resolving this issue promptly. Furthermore, I urge Barclays Bank Delaware to implement stringent security measures to prevent similar instances of identity theft and fraud in the future. 

I appreciate your attention to this matter and request timely communication regarding the outcome of your investigation and any actions taken to rectify the situation. 

Thank you for your prompt attention to this urgent matter. 

Sincerely,
Product: Debt collection

I received a notification from XXXX that a newly reported collection account has been reported as of XX/XX/2024. I am unsure who this agency is collecting for. I was not provided with the opportunity to validate, dispute or pay this debt. The collection agency NEVER sent me a collection notice informing me of this debt. 

The collection agency is, Credence Resource Mana : XXXX XXXX XXXX, XXXX TX XXXX
Product: Vehicle loan or lease

I financed my Volkswagen a few years ago in XXXX XXXX. I moved to XXXX  state in XX/XX/2023 and the law requires me to register my car within thirty days. The DMV in XXXX  told me I'd need a copy of my title in order to register the vehicle, so I called my lienholder, VW Credit, on XX/XX/2023. I was told that my title was electronic and would take 15-20 days to process. On XX/XX/XXXX, I called for an update and was told that my request was still in process. My South Carolina registration had just expired at this point, and I was beginning to worry. My apartment complex does not allow unregistered cars, and I was accruing taxes and late penalties with XXXX  state. I also have not been able to drive anywhere, which is a huge inconvenience in the 21st century. 

I had a bad feeling about having the same exact script repeated each time I called. I called back to follow up again on XX/XX/XXXX, XXXX, and XX/XX/XXXX, only to be told the same thing each time. One representative said they put an " expedite '' on my request, but so far that has yielded nothing. 

Today is XX/XX/2023, and it has been seventy days since I first requested my title.
Product: Mortgage

LET ME START BY SAYING Loancare has the worst customer service ever!!! Just read the customer reviews or complaints online!!! I was hung up on and treated with disrespect. I was on the phone for hours on hold and explaining my issues, being transferred to escalation and repeating my issues and getting the same poor service. In a nutshell, my taxes got messed up with the county so my escrow was running short each month, I sent in my mortgage payments. They, however, keep saying I'm late and its in forbearance. It is not in forbearance I have made over XXXX timely payments of XXXX sense going out of forbearance!! So when I made XXXX payments of XXXX in XXXX month the e-checks had the month and dates on the e-check for the months the payments were due for. Loancare took XXXX of the XXXX dollar payments and put it in my escrow instead of making my monthly payment. Therefore making me late in the month of XX/XX/XXXX '. That e-check should not have been cashed for anything but what it was intended for, that being my mortgage payment!!! So as a result Loancare sent in a late payment status to my credit bureau bringing my credit score down over XXXX. This also was told to me by Loancare it would be removed and taken off my credit, it is not!!! Lastly Loancare knows I am trying to refinance my mortgage with another company and I feel they are not doing what they promised to myself to keep my mortgage with them. My last recourse will be to turn this over to my attorney XXXX XXXX Attorney At Law. I have all my bank statements to back me up for each and every payment I have made on time to Loancare!!! My bank statements will show I am correct and all this nonsense should be cleared up!! Thanks to all this I have lost the interest rate I had locked in and my application has expired for my refinance!! This in i'ts self will be a law suit. I would also like to add My mortgage payment is not even XXXX a month it is XXXX so I am over paying on it each month. The last XXXX persons that said they would fix the problems are XXXX ID # XXXX and XXXX XXXX ID # XXXX BOTH HAVE NEVER GOT BACK TO ME EITHER!!! SIGNED A VERY UPSET CUSTOMER AND I HIGHLY RECOMMEND CONSUMERS DO BUSINESS ELSEWHERE!!!! THIS COMPANY STINKS!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/, 2022. Here are my tracking numbers XXXX. To remove personal information that I don't want on my credit report. The companies responded without removing the personal information. I sent another letter off in response on XX/XX/, 2022. Here are my tracking numbers XXXX, XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint and dispute regarding a derogatory account on my credit report that has been reported for over seven years. The account in question is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I dispute the accuracy of this information and assert that the reporting of this account exceeds the permissible seven-year reporting period under the Fair Credit Reporting Act ( FCRA ). As such, I request that XXXXXXXX XXXX promptly remove this account from my credit report. 

The FCRA states that derogatory accounts, such as charged-off accounts, should be removed from a consumer 's credit report seven years from the date of the first delinquency that led to the charge-off. Given that the last payment on this account was made on XXXX XXXX, XXXX, the account should have been removed from my credit report by XXXX XXXX, XXXX. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure compliance with the FCRA. Specifically, I request the following : 1. Verification of the reporting period for the account in question.

2. Removal of the account from my credit report if it has been reported for more than seven years.

3. Correction of any errors or inaccuracies in the reporting of the account.

Thank you for your attention to this matter. I look forward to a prompt resolution and the correction of any inaccuracies on my credit report. 

Sincerely, XXXX XXXX