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

The companies involved are the XXXX credit bureaus : XXXX, Equifax, and XXXX. On XX/XX/year>, I sent a letter to these XXXX credit bureaus requesting the removal of incorrect information from my credit report. This was after I opened a dispute for them to verify all the information. The incorrect information is in the public records section of my report. Prior to this, when I initiated the dispute, I also sent a letter to the court requesting verification of the information, and they informed me that they had not provided that information because they do not report to the credit bureaus. 

Upon receiving the letter from the court, I demanded that the credit bureaus remove the incorrect information they had claimed to have verified, and to this day I have not received any response. I will share the letters I sent. The letter demanding the removal of false information from my credit report was accompanied by a copy of the court 's response. Of these, Equifax never sent me any response in writing, but they did open a dispute because I received a digital notification. I never received any responses, and nothing changed. XXXX also did not change anything but did open a dispute. XXXX responded on XX/XX/XXXX, stating that they had investigated and no changes were needed, which is false according to the court 's letter.
Product: Credit card

XXXX/XXXX/XXXX : I purchased online a XXXX XXXX XXXX at XXXX XXXX ( Items : XXXX ; XXXX ) with the amount of USD XXXX. 
XX/XX/XXXX : I contracted XXXX XXXX to pick up the items. XXXX XXXX tried to reach out to XXXX regarding my shipment in the attached XXXX of XXXX. XXXX stated they attempted pickup and there was no freight available for them per XXXX on XX/XX/XXXX at XXXX XXXX. 
Multiple attempts by me to communicate with XXXX personnel for my contracted carrier to pick up the items but was unsuccessful. It ended up that the items were passed due for pick up according to the contract. 
XX/XX/XXXX : I called Chase Sapphire customer XXXX to dispute the charge of USD XXXX XX/XX/XXXX : I called again Chase Sapphire customer service at XXXX to make a follow-up on my dispute. 
XX/XX/XXXX : I called again Chase Sapphire customer service at XXXX to make a follow-up on my dispute but they said that XXXX resubmitted their claim and Chase honored it.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are 3 credit inquirys on my report i didnt authorize and i havent got a crd from they are XXXX XXXX ( Bank XXXX XXXX XXXX XXXX XXXX XXXX ( Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE GIVE ME A GOOD REASON AS TO WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY ON MY CREDIT REPORT???!! 

XXXX XXXX XXXX : THERE ARE A TOTAL OF 3 ACCOUNTS REPORTING UNDER COLLECTIONS AND IT IS REALLY AFFECTING ME. THE BALANCES ARE OF : {$0.00}, {$350.00} & {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX sold my account to a collections company but is still reporting debt by them. 
I first tried to request a letter stating that if payment was made it would be reported as such on Monday, XXXX. At that point they told me they sold the account to a collections company and I would need to pay the collections company, then I would need contact XXXX XXXX. I then requested a letter stating that they had indeed, as they stated, sold the account to another company or that they do n't hold the debt any longer. They refused this as well. Today, Tuesday, XXXX I called back telling them I really do need that letter especially since they are who are reporting the account too. XXXX XXXX again refused to issue a letter to me, but then told me XXXX XXXX go ahead and pay them, XXXX XXXX even though they no longer own the account/debt. This I know is not right and I need help resolving this issue.
Product: Credit reporting or other personal consumer reports

T

he Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. I recently reviewed my consumer report and noticed an incorrect late payment record on my BRIGHTCAPITA XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card

IT WAS STOLEN, FRAUDULENT COLLECTION MIDLAND CREDIT MANAGEMENT, FRAUD ACCOUNT XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX & XXXX XXXX XXXX-discharged Reference # : XXXX
Product: Debt collection

We started proceedings to rid ourselves of two timeshares in XX/XX/2017. XXXX XXXX was given {$10000.00} to get us out of the unwanted timeshares Their Phone # XXXX. XXXX XXXX. I spoke to XXXX and was told " do not pay the credit card for XXXX ''. 
The credit card amount of is {$600.00} as you see I made a payment of {$120.00} before we started proceedings. XXXX gave a discount if you used the XXXX XXXX  credit card. So we set up the credit card. After going to XXXX we were bombarded by their sales people to buy more weeks for 8 or more hours, which took up so much of vacation time that we decided to get out. When we were originally bought into XXXX they told us the resort timeshare " could be given to our children. ". No mention of my children would have to take them. We asked our 2 boys if they wanted the timeshares they both said absolutely not.. So we stopped payment of Card and we began getting calls from Portfolio Recovery XXXX. They have been calling weekly, even after telling them to call my Lawyer. Along with other unwanted calls and robo calls my phone is constantly ringing. I am to the point that I don't even answer the phone. I made a recording telling people to leave their name and phone number just so I don't answer the phone. All this trouble with Portfolio Recovery, my credit score was close to XXXX now it is down to around XXXX. Anyway the calls from Portfolio Recovery are really stressing me out. It is a shame but I have a small business and probably miss a lot of customers because I am tired of all the call. There are some if you answer the phone their is silence and no-one on the phone.. I should also tell you I fell off a later in XXXX was hospitalized twice and am still recovering. Which also makes it hard to answer the pone when they are unwanted calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank is reporting late notations on my credit file that need to be removed. I recently looked at my credit and noticed some late notations on my credit file. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see Comenity Bank report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that Comenity Bank please take leniency on my hardship and remove any XXXX  lates as a onetime goodwill adjustment.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint after noticing an unauthorized account on my consumer report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the ongoing issues I have encountered with the credit bureaus, specifically XXXX and XXXX. Despite submitting my disputes with complete and accurate ID verification as instructed, I have repeatedly received letters from both bureaus stating that my dispute letters do not appear to be sent by me or authorized by me, and therefore they refuse to investigate my claims. 

This refusal to open my disputes is not only frustrating but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to Section XXXX of the FCRA, consumers have the right to dispute inaccurate or incomplete information in their credit reports, and credit reporting agencies are required to investigate these disputes. The actions of XXXX and XXXX in refusing to open my disputes despite proper verification obstruct my ability to correct inaccuracies on my credit report.
Product: Mortgage

Approximately in XXXX of XXXX we did a loan modification. We were behind and a foreclosure process had begun. We did complete the loan modification and have not been thirty days late once. 

Recently we went to refinance and the loan officer stated that the balance was {$90000.00} and the original balance in XXXX was {$73000.00} We could not find any paperwork with regards to the loan modification. Our concern is the fees that were incurred to do the loan modification and to determine if any were excessive,
Product: Debt collection

I contacted the Original Creditor, XXXX XXXX Hospital in XXXX 2016. I spoke to XXXX. He told me that according to his records all of my bills with them are paid and I have no outstanding bills. I then contacted the collection agency, Central Financial Control, and spoke to XXXX. He was unable to locate my account. I would like this removed from my credit report. I do not have any outstanding bills with XXXX and have had this verified. I do no know what this is yet it still remains on my credit. The Credit Bureaus tell me that Central Financial Control is reporting that there is in fact an outstanding bill, yet their representative is unable to locate it when we call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # 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 an account without my written instructions.
Product: Credit reporting 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 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and delete them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 purpose.

15 usc 1681 complete and accurate information Creditor reports that account is past due XXXX by two payment and its not the balance reflects XXXX when its XXXX also attach the account information I see upon my account with the payments
Product: Credit reporting, credit repair services, or other personal consumer reports

My loans were paid in full in XX/XX/XXXX, I thought I gave XXXX ample time to submit my account status as paid to credit bureaus, as I did not start inquiring until XXXX, XXXX as to why they show " deferred '' with an outstanding balance of over {$130000.00}. Each time I am given the run-around. The last representative I spoke to in XXXX, emphasized with my position as this is hindering my ability to obtain new credit because of the high balances an assured me he would send in correct to the 3 bureaus. I called back last week on or around XX/XX/XXXX to inquire if my credit bureau had been correct. I was told by another representative that she saw the notes from the last phone call. She further stated I would need to send XXXX a letter disputing the debt they are reporting erroneously, along with a copy of a credit bureau that shows how the debt is reporting of which I did as requested. I called to check on if XXXX is in receipt of letter, I was told yes, but it will take a while. I am XXXX and need to purchase a lawnmower on credit so I can have a riding mower as I am unable to cut my grass with a push lawn mower now. I really need help getting this off my bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 4 months I have made several disputes with XXXX & Experian regarding an fraudulent account being reported on my Experian/XXXX Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from XXXX & Experian proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report after requesting a reinvestigation and noticed several inaccuracies that are still present on my account. This account is hurting my ability to obtain credit. Its my understanding that you will in investigate these items to ensure maximum accuracy, here are the item I am asking you to verify as accurate. 

The Variance in reported balances, Date Opened, Account rating and Late Payment Date across different credit bureaus highlights non-compliance with 15 USC 1681 1 ( a ) This account was Paid and closed on XX/XX/XXXX since then the account has been repeatedly been updated in the payment history as Current when indeed that status is ( Paid, Closed ) The reported balance remains inaccurate post-sale of the account which is misleading and violates 15 USC 1681e ( b ) please investigate this matter and ensure maximum accuracy in my report if it can not be verified I Demand this account be deleted from my credit report. In addition I would like to have a New copy of my credit report mailed to my home address. 

XXXX report : XXXX XXXX XXXX XXXX Account # XXXX X, High Balance : {$520.00}, Date Opened XX/XX/XXXX, Balance Owed : {$520.00}, Closed Date : Not Available, Payment Status : Current, Past Due Amount : {$0.00}, Last Payment : XX/XX/XXXX, Credit Limit XXXX {$0.00}, Account rating : Paid XXXX report XXXX XXXX XXXX XXXX - Account # XXXX X, High Balance : {$520.00}, Date Opened XX/XX/XXXX, Balance Owed : {$520.00}, Closed Date : Not Available, Payment Status : Current, Past Due Amount : {$0.00}, Last Payment : XX/XX/XXXX, Credit Limit : {$0.00} XXXX Account rating : Closed Equifax report : SELF XXXXXXXX XXXX - Account # XXXX X, High Balance : {$520.00}, Date Opened XX/XX/XXXX, Balance Owed : {$520.00}, Closed Date : Not Available, Payment Status : Current, Past Due Amount : {$0.00}, Last Payment : XX/XX/XXXX, Credit Limit : {$0.00}, Account XXXX : Paid
Product: Debt collection

Received a collection notice in the mail today without ever being contact about the debt at all. We continue to use the pharmacy and no one has brought the issue up or even a phone to resolve this. They are charging me {$50.00} for XXXX and XXXX, i have paid the debt but want the collection notice removed from the credit agencies
Product: Credit reporting

Because of the retrieval constraints for my credit report, and then unauthorized " Security Freeze placed on my report by TransUnion, I am again electing to place this dispute through this channel - to eliminate the XXXX steps Trans Union, has placed in my path. 

XXXX, is and has been reporting inaccurately since XX/XX/2015. 

1. Currently - the account does not carry the payment history, as it should. It was deleted when XXXX converted to their new system in XX/XX/2015. 
2. The account balances and limits from XXXX through current, are NOT accurate. 

3. Please verify the account details with the owner, XXXX, and correct this incorrect and incomplete account, or DELETE this inaccurate trade line it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is furnishing deceptive information to XXXX XXXX Equifax. The account is reporting inaccurately and this information is damaging my consumer report and hindering me from getting credit. XXXX and Equifax does not have my written or expressed consent to report my private financial information XXXX XXXX.
Product: Debt collection

I received a letter by mail on XXXX XXXX 2015, stating that I owed Discover XXXX. I do n't know why it went into collections, since I was making payments to Discover. After I read the letter saying that my payments were to be XXXX dollars a month I concurred. I started making payments immediately. I paid XXXX dollars in XXXX, XXXX in XXXX, XXXX in XXXX, XXXX in XXXX and XXXX in XXXX. Then I get a call from XXXX stating that my bank account had insufficient funds, which is not true I replied. They said that they spoke with the banks representitive and when I asked them if they have a confirmation number from that bank they said yes and read a false confirmation number because the number was from my receipt of payment that I had made to them. We hung up and I called my bank and asked them if they got a call from XXXX and they said that there was no record of them in the system for calling. I told the bank what the law firm said and they said that I do have sufficient funds for the payments I made, but that there is no record of a charge on my account. When I tried calling the law firm back they did n't pick up the phone and I did call several times that day. I then filed a complaint with the FTC. Then i received XXXX letters from XXXX stating to pay the full balance of XXXX. So then I thougt oh they took out at least XXXX from my account. But when i checked they did not. So I went to the website " XXXX '' to make a payment, but the website gave me a different amount XXXX I need help. I want to pay my debts but this law firm is making it very difficult as they are lying to me. I am a very honest person and respect the law., but This firm seems to be a little dishonest.
Product: Payday loan, title loan, personal loan, or advance loan

I received a loan check in a mail from Republic Finance for the amount of {$5000.00}. I deposited on the XX/XX/2024, I thought it was a joke and it was cleared. I realized that I didn't need the money again, and I immediately called the company on the XX/XX/2024 and cancelled the loan and refunded the exact amount- {$5000.00} the same day. Please, see the screenshot of the attached receipt from the company for the payment. 
The following day, XX/XX/2024, I received a phone from the company saying I still owed charges of about {$350.00} to close the account, because they opened an account in my name for me. 
A couple of days I received 2 mails from the company stating that my payment was " Paid-Ahead Account Status '' and I still owe {$3200.00}, for interest and charges with monthly payment of {$220.00} Please, see the attached 2 letters from the company for your review. 
From my observation I think the company is a legalized scamming company exploiting vulnerable people in vulnerable situations.
Product: Money transfer, virtual currency, or money service

I feel that the company Zelle was misleading or never disclosed certain information that was detrimental for my account. They never disclosed make sure this is the correct person or entity you were making a transaction with