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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX  XXXX XXXX, XXXX XXXX Date Open : XX/XX/XXXX Balance : {$36000.00} and XXXX XXXX XXXXXXXX Date Open : XX/XX/XXXX Balance : {$0.00}. Please update these account. 

Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXXXXXX Date Open : XX/XX/XXXX Balance : {$0.00}. Please correct this mistake immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing accounts on my credit report for over 90 days and TransUnion, XXXX and XXXX have not placed these accounts into dispute. They are not placing the dispute comments on the credit file, nor have they changed any reporting of the disputed accounts.
Product: Debt collection

I received a call from a New York number claiming to be a process serving company and stated that I needed to call another number before I was served with a civil complaint lawsuit. When I called the number it turned out to be XXXX XXXX I spoke to a young lady who claimed I had a pending lawsuit in their office. I asked how I had a lawsuit from them and she its through XXXX ( SP ). I informed her I didnt know who XXXX was and she named off various communication companies they served. I then asked her how I owed them money and she said I owed it XXXX but if I didnt want to resolve it I could just wait to be served by my county. When I questioned her about the validity of the company she hung up on me. When I called back and asked to speak to a supervisor I spoke to a XXXX XXXX who claimed to be the manager of the young lady I was just speaking to. I asked her the same questions and she told me they did not have any of the information to verify I had an outstanding debt. When I asked when this debt occurred she said she did not receive that information. I informed her that I was told they were a law office and they were the ones filing the lawsuit. I again asked her when the lawsuit would be filed because I should have the right to know if someone is filing a lawsuit against me. She said I would have to wait until I was served and hung up. The third time I called I spoke to XXXX XXXX who also claimed to be a supervisor. I also asked him to provide me with something stating the validity of the debt and he claims that it was sent out on XXXX XXXX XXXX and was scanned at my mailbox before it was delivered. I informed him that I in fact never received it and asked him to resend me something in writing and he said he was unable to do so because I didnt respond within the 30 days. I asked him when the debt was established and he said XXXX XXXX XXXX and was open for six years. I informed him that I never had any phone service active for six years and I would like to see some proof that this debit is legit. He again stated that it was delivered over 45 days ago and he would not hold my account open another 3-5 days.
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 has violated my rights. 

15 U S C 1681 section 604A : 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 15 U.S. Code $ 1681c-2 a consumer reporting agency 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! 
Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELYI
Product: Debt collection

Constant calls 7 days a week, early morning, late night. I paid the debt in full after being told it would be marked as paid in full and removed from my credit report. It wasnt, only after i realized a collector cant remove or alter whats been reported to the credit report. Even after the payment was made in full ( 2 months after ) i received calls asking to make a payment.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn to! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting XXXX XXXX correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards. 
Everything has to be XXXX XXXX  accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX XXXX accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Payday loan, title loan, or personal loan

I took out a loan for {$1200.00} and have made payments now {$3800.00} and the principal on the loan is still higher than the original amount borrowed. The current payoff amount for the loans after all the payments that have been made so far is {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I am writing to your agency again in regards to a previous case # XX/XX/XXXX-XX/XX/XXXX. Brandsource advised on a letter mailed to me and your agency, that they would update my credit report for all three credit bureaus to include a statement " disputed by consumer ''. They failed to do so. I have recently disputed this account with all three major credit bureaus since this statement is missing from my credit file. Furthermore, to add insult to injury, Brandsource failed to report accurate payment information. On my XXXX  credit report, they reported my payment history inaccurately. I always paid more than the minimum payment. On two reports, they reported XXXX as the amount paid and only the minimum payments of {$27.00}, {$28.00} for each month. All of these inaccuracies is affecting my credit score. On my XXXX  credit report, they stated that I had a high balance of {$1400.00} from XX/XX/XXXX to XX/XX/XXXX which is not correct. The high balance of {$1400.00} was only for the month of XX/XX/XXXX. On XX/XX/XXXX, my balance had reduced to XXXX. I paid off my account entirely by XX/XX/XXXX. As I stated previously, I always paid more than the minimum. Not only did Brandsource lie and state they closed my account at their own request but they have not reported my payment history for XXXX  and XXXX reports as required. I will be submitting copies of my current credit reports to support this new complaint along with supporting documentation.
Product: Credit reporting or other personal consumer reports

After sending numerous written requests, the fraudulent items listed below continue showing on my credit report, flagrantly violating federal law. The 3 Credit Bureaus have failed to adhere to the Fair Credit Reporting Act, 15 USC Sections 1681i, within the legally stipulated timeframe, continuing to report unconfirmed information. Given all my diligent attempts to rectify the situation directly with the creditor, this can be seen as a deliberate act of negligence and non-compliance with federal regulations. I kindly request the complete deletion of the following items from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 believe I have been effected by identity theft. Accounts were opened using my social security number and information without my knowledge. By the time I realized, my score was so low, I could not obtain any credit. This has effected my greatly and I would like this inaccurate information removed from my credit report within 7 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX  XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

XXXX XXXX : XXXX - Account XXXX XXXX XXXXXXXX
Product: Prepaid card

To whom it may concern, I am reaching out to submit a complaint as well as to get assistance with the remedies that I can take legally against a company. I was referred to the CFPB by XXXX XXXX Responds contact was XXXX XXXX whose email is : XXXX. The company in which I am requesting this against is The American Express Company @ XXXX XXXX XXXXXXXX XXXX XXXX  NY XXXX. 
The following are the top XXXX points for my request. 
After contacting the American Express company @ XXXX on XXXX  XXXX, XXXX  for fraudulent activity on my card, where I was on the phone with several employees and supervisors, and which I have a recording of the whole 3 hours, I was informed that they did not have a fraud department and that I could not report the fraudulent activity. 
On XX/XX/year> @ XXXX XXXX XXXX XXXX sent a message to the CEO after several attempts to contact the company to resolve the situation. This message included a demand letter. 
On XX/XX/year>, I received an email from XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. The message I received was an acknowledgement of the demand letter, as well as a request to amend the allotted time and requested 30 days at a standstill to investigate the allegations. I agreed to the amendment. As well as stating that any further communications will need to be done via email with the three parties listed above.

The allegations against The American Express Company are ; 1. Misrepresented facts outlined within the written agreement by American Express.

2. False statement stated while on the phone of there was not a fraud department, along with several other XXXX XXXX XXXX XXXX XXXX XXXX PHONE : XXXX WEBSITE : Website goes here EMAIL : XXXX statements while on the phone that go against the XXXX. 
XXXX. False reporting of harassment by the XXXX XXXX XXXX XXXX XXXX on XXXX which was investigated and found to be false. 
XXXX. Action which are XXXX labeled for ; the fraud which is unresolved, the intentional false representation by the employees, the disregard for myself the consumer, the emotion distress of this fraud hitting as well as taking my fixed income for being disabled, having to shut down a business in which my spouse and I had just started, and registered, having to file a police report with the XXXX XXXX Police Department here in Texas, having to seek assistance in order to help with food, rent, utilities, dog food and which we are still behind on, having to go see my doctor because I was at my breaking point. 
Furthermore, now including the ignoring of the correspondence where I have reached out to the litigation team via email as they requested, the 30- day standstill only to be ignored then asked for the recording and evidence in which I gave them and then further ignored with no resolution or response. 
I am sending this complaint and request for assistance to all allowed remedies to the CFPB and praying to have answer on what the next step shall be. I thank you for your time, effort, and consideration in this matter as well as I look forward to hearing from you soon. 
Sending Blessings, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).

The specific information under dispute is the derogatory nature.

Should be held liable under 1681e ( b ). As a the overwhelming weight of authority holds that credit report is inaccurate either when it is patiently incorrect or when it is misleading in such a way and to such an extent that is can be expected to have an adverse effect. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns a about the re-invesigation of information. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. Pleas delete the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed this claim days ago, and when I attempted to contact the company involved they put me on hold for one hour and a half the first time, thirty minutes the second, and twenty minutes the third. My rights as a consumer have been violated. It is the duty of financial institutions to protect the security and confidentiality of my information and this company has failed to do that. 

Complaint : XXXX XXXX XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2023 Open Company response is in progress as of XX/XX/2023
Product: Credit card or prepaid card

They close my account on my age and income then try to cover it up. They did this after I open up a business credit card account. They closed my two personal credit cards accounts
Product: Prepaid card

I purchased an American Express giftcard in the amount of {$120.00} from my local XXXX. The card was activated by XXXX when I purchased it. The giftcard was then attempted to be used at multiple stores such as XXXX ( the same one i purchased the gift card from ) and XXXX XXXX. As well as multiple gas stations and on XXXX. At all of these locations the card was declined. I checked the balance online and saw that XXXX cents was taken out of my balance everytime we tried to use the card. I called customer service multiple times to which I was advised to just keep trying different locations until it works and repeatedly denied information as to what stores and sites the card would work at. I was then told the card was not eligible for a refund. I have now spent {$120.00} on a gift card that seemingly can not be used anywhere. All the vendor offered was to issue a replacement card which seems useless as the card is activated and working properly but just not accepted anywhere. This whole thing seems like a scam and I would like to receive compensation for at least the amount taken out of my account to purchase the gift card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reports act XXXX account numbers XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : also states a consumer reporting agency can not furnish a account with out my written instruction.
Product: Credit reporting or other personal consumer reports

Please block and remove the following accounts Due to XXXX data breach. XXXX XXXX XXXX bal. {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and  XXXX XXXX XXXX  XXXX ran an unauthorized credit inquiry on me on XX/XX/2019. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX   XXXX and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

If you have any questions or need additional information, please contact me at address listed below.

Thank you. 

Sincerely, XXXX XXXX
Product: Student loan

In XXXX I was contacted by XXXX XXXX on behalf of Navient regarding my defaulted student loans. I was informed they had recently been given the account to try to collect on the money. They informed me payments had stopped in early XXXX with another company collecting on behalf on Navient. My co-signer had been making payments. She was informed that after 24 months of making payments, the account would be settled. This was obviously a false statement made on behalf of Navient. So now, I have set up payments to close this account out with XXXX XXXX. I made a {$6800.00} deposit and 3 payments of {$500.00}. They informed me that the co-signer would be removed within 7-10 business days but that has not happened. My last payment of {$500.00} is due on XX/XX/XXXX and thus should close the account out. However, looking at my credit report, it's already showing the student loans are closed out. Every time I call, I get different answers. 
On another note, I have a private student loan in good standing with Navient. The original balance was {$3500.00} and is now over {$8000.00}. After my numerous efforts to pay, I've had to go into a forbearance and now it's almost doubled. I'm not sure if anything can be done but I had no idea forbearance would double the cost of the private student loan.
Product: Debt collection

On XX/XX/2020 I received a phone call from US Bank Mortgage. The auto phone call stated that an amount of {$1700.00} was due, then the representative told me the amount due was {$1800.00} was due. I told them that I paid the bill via XXXX e-pay, which I always do. The mortgage was due on XX/XX/XXXX, a Saturday. I sent the payment XX/XX/XXXX and it has been delivered to US Bank today and is funded. This should be posted as soon as its received, which is a violation of Section 6 of RESPA, and Section 36 of TILA. This is the 3rd time this has happened with US Bank. This is harassment and I should not have to be subject to this type of predatory collection. US Bank should be ashamed of themselves.