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

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$52000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out multiple letters out on this company. And they still have not removed it off my report. The last reported days on on different days. And the day last active are all wrong. XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , Delete or block deragatory Account by " XXXX XXXX XXXX appearing on my consumer credit report that is the result of inaccurate & False reporting within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit account opened at " XXXX XXXX '' derogatory items opened XX/XX/year>, AccT # ending in XXXX. These accounts have resulted in several Credit Damage to My XXXX and overall Equifax credit Score. Equifax as well as XXXX XXXX have failed to show investigative results of false " verified '' status for over 45+ days. I've attached a list of the credit reporting error in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned innacurrate item. I do not recognize the aforementioned collections, or hard inquiries as reported. i am provided supported documents of FCRA consumer rights XXXX XXXX violations they have broken through false reporting ; inaccuracies, and i Demand for Action Removal of this Account immediately or face Credit Report Litigation Damages.
Product: Mortgage

I have my home owners ins paid via PennyMac they did not pay it and have force placed my ins! The bill was sent to them and I have attempted to settle this with them and I havent received an outcome! They need to pay my ins backdate from exp date and pay the ins any late fees out out of their pockets! Not once did they notify me about my ins or force placement!
Product: Debt collection

I called USAA on Wednesday XX/XX/XXXX around XXXX XXXX  eastern standard time and spoke to someone in homeowner insurance who said her name was XXXX. 

Per XXXX there had been no payment towards my homeowners insurance since XX/XX/XXXX and she demanded I pay the balance of about {$1000.00}. 

I stated that cant be correct. And repeated what she told me. So you have received no payments for XXXX and XXXX. 

She stated thats correct. I then logged onto my account because the payments come out automatically. 

She double talked failed to acknowledge that XXXX and XXXX payment was made. 

I asked what would I pay {$1000.00} when the payments are {$350.00} per month. 

XXXX then stated The XX/XX/XXXX payment had been made by the subscriber. 

I asked her are you telling me I didnt make the XX/XX/XXXX payment. But it came out of my account I then requested a supervisor. Someone named XXXX came in the phone. Very angry. I then asked are you a supervisor He stated. Im on the escalation Team. 

I asked again for a supervisor
Product: Credit reporting

This is my response to my formal complaint, and ask you to investigate the business practices of Equifax. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. Without proper verification by their company, anyone paying for reporting services could fax, mail or email in a fraudulent account. 
They have no verifiable proof ( an original consumer contract with my signature on it ) to verify that the account belonged to me the first time they reported the account on my credit report. My ID has been stolen to Open Accounts with XXXX XXXX Credit Card- XXXX Credit Card and XXXX XXXX XXXX , XXXX XXXX ( XXXX ). Of which I have sent in my Police report and Notice asking these be remove with immediate effect. Equifax failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts and persons affected with ID Theft 's Accounts must be promptly deleted. I 'm asking them to provide me with a copy of an updated and corrected credit report showing these items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I wrote to you requesting an investigation into items that I believed were INNACCURATE, OUTDATED AND OBSOLETE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 
I request to be provided proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

Please be advised that I have received a computer-generated letter stating that they have ceased investigation of my credit reports because, in their opinion, they believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on their part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

Additionally there is NO law that states a consumer can not use a third party, so using that as their excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
This is a formal complaint that you are reporting inaccurate and incomplete credit information. Per Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), theymay be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under 15 U.S. Code 1692g. Validation of debts I request that this Non-Creditor validate this debt by providing proof of this alleged item.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX 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

To Whom It May Concern, I recently reviewed my credit report and noticed that some information is incomplete, outdated, and inaccurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. The following accounts are not complete and accurate : 1. **Account Holder : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Account Number : XXXX XXXXXXXX **Issue : ** incorrect balance, incorrect payment status 2. **Account Holder : ** XXXX XXXX XXXX XXXX **Account Number : XXXX XXXX XXXXIssue : ** incorrect balance, incorrect payment status 3. **Account Holder : XXXX XXXX XXXX XXXX XXXX **Issue : ** incorrect balance, incorrect payment status, wrong account number 4. **Account Holder : XXXX XXXX XXXX **Account XXXX XXXXIssue : ** incorrect balance, incorrect payment status 5. **Account Holder : XXXX XXXX XXXX XXXX XXXX **Issue : ** incorrect balance, incorrect payment status 6. **Account Holder : XXXX XXXX XXXX XXXX XXXXXXXX Number : XXXX **Issue : ** incorrect balance, incorrect payment status 7. **Account Holder : XXXX XXXX XXXX **Account NumberXXXX **Issue : ** incorrect balance, incorrect payment status Furthermore, according to 15 USC 1681s-2, 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. Given these discrepancies, I request that an investigation be conducted and that the inaccurate information be corrected or removed from my credit report promptly. I trust that your procedures will ensure the maximum possible accuracy of my credit information as required by the FCRA. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX MY CONCERNS WERE IGNORED Date opened XX/XX/XXXX Balance Paid in full Status Transferred, closed. 
DELETE PAYMENTS SHOWN AS LATE XXXX XXXX XXXX XXXX  REPORTING INCORRECT DATES Date opened XX/XX/XXXX Balance o paid in full and written off by creditor multiple years in arrow then sold the debt to it self and other creditor Status Transferred, closed DELETE PAYMENTS SHOWN AS LATE XXXX XXXX XXXX XXXX  Reporting incorrect information Date opened XX/XX/XXXX Balance {$24000.00} is incorrect Status Open. Balloon payment of {$3100.00} due XX/XX/XXXX DELETE PAYMENTS SHOWN AS LATE XXXX No contract with creditor. Creditor has fail to provide signature contract with original debtor Date opened XX/XX/XXXX is incorrect Balance {$4500.00} incorrect Status Collection account. {$4500.00} past due as of XXXX XXXX. Incorrect. 
Verify account or delete from my record. 
Creditor has written debt off multiple years in a row since XXXX. XXXX opens closes account without written notifications. 

XXXX XXXX contract with creditor. Creditor has fail to provide signature contract with original debtor. 
Date opened XX/XX/XXXX is incorrect XXXX {$3000.00} is incorrect Status is incorrect.

Collection account. {$3000.00} past due as of XXXX XXXX. This reporting is illegal and it is infringing on my consumer privacy laws. 
Verify account or delete from my record. 
Creditor has written debt off multiple years in a row since XXXX. Current opens closes account without written notifications.
Product: Vehicle loan or lease

XXXX  Complaint XX/XX/XXXX I have had a loan with XXXX   sinceXX/XX/XXXX. I changed jobs on XX/XX/XXXX. My paydates changed and I was now getting paid on the XXXX   and XXXX of the month. I immediately contacted XXXX to advise them of the change in my paydates. I spoke with several employees there and was told to send then a letter from my boss showing my paydates and I would be fine. My loan still has not been adjusted.The paydates XXXX   has me on shows my payments scheduled a week or more before my actual paydate. During some months with 5 weeks XXXX expect me to make a payment. How when I get paid semi-monthly. When I had extra money I had no problem making those extra payments. I don't have the extra that's why I asked to change my due dates. XXXX the Account Manager says repeatedly XXXX  don't change dud dates. She continues to refuse to change it, but they consistently call me for payments and I hadn't gotten paid yet. I only have 1 year left to payoff my loan. Now this will be my 2 payoff auto loan with XXXX. I am only asking for my due dates to be changed to th XXXX  and the XXXX ; witch are my paydates. Thank you for your assistance with this matter
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Showed up on all 3 of my credit bureaus. I have no knowledge of this account. I would like this removed from my credit report. I have disputed this on my credit report and it has not been removed yet. I would like it removed from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

I looked at my credit report back on XX/XX/year>2024 and notice some things are incomplete and not accurate and according to the fair credit report act whenever a consumer reporting agencies prepare a consumer report is shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates These accounts [ XXXX XXXX XXXX XXXX ], [ XXXX XXXX XXXX XXXX ], [ XXXX XXXX ], [ XXXX  XXXX XXXX ], [ XXXX XXXX XXXX ], [ XXXX XXXX  XXXX ], [ XXXX XXXX XXXX ], Or not complete in accurate. 

And one more thing according to 15 USC 1681S-2 A person shall not furnish any information relating to the consumer to any consumers reporting agencies, if the person knows or has reasonable cause to believe that the information is in accurate.
Product: Credit card

Neiman Marcus Dispute Customer since XXXX, no missed payments. 
On XXXX I checked my Neiman Marcus / Capital One account to see if the Credit was issued on my account for a return " Claim Complete Credit '' for package not received only to find my account was CLOSED due to " High Returns ''. 

This claim has been going on for a month and still no credit. As of today XXXX I have yet to receive a refund. 

I have had to escalate this on multiple occasions to get someone to take care of it and still it has n't been resolved. 

My high level of returns is due to 99 % of my purchases are done online. Items returned do to fit or item not as described. 

I feel my account has been closed due to the multiple escalations to management for the still open claim. 

Furthermore, I am being damaged by Neiman/Capital One on my Credit Report in the form a decreased credit score from the abrupt closure of my account. I take great pride in maintaining a high Credit Rating and will stop at nothing to insure that my rating remains in good standing. Please find the attached documents which I have sent to Neiman Marcus Card Services. 

Please see attached letter, which has also been sent via USPS certified mail. 

About $ XXXX yet to be refunded / credited by Neiman. Please read attached letters before contacting the consumer. Silence is acquiescence
Product: Credit reporting, credit repair services, or other personal consumer reports

Every month for the past 17 months I have had the same issues with Equifax. It is getting sol old and redundant, not to count that every time I call the company I get different excuse. 

I pay for monitoring, I have the report locked but when I want to access the report I get errors and when I want to unlock the report I am told the system is not working. 

I have now been denied credit over 30 times from various creditors because they also claim that they can not access the report. 

Also Equifax continues to notify creditors that I had possible identity theft and it is causing my accounts to get blocked till I resolve the issue. 

Some creditors claim I have a freeze on the report, I DON'T HAVE A FREEZE. 

My next step is to seriously sue Equifax if they don't knock it off.
Product: Debt collection

On XXXX XXXX, 2017, I requested validation of this debt, including a contract bearing my signature. On, XXXX XXXX, 2017, I received a copy of a bill as validation. ( Attached ). This is not a contract signed by me and the balance owed states " {$0.00} ''. They are also reporting the incorrect dates on my credit bureau reports. The date of last activity by me, is XXXX XXXX, 2017. The other activity is by insurance and them! This is illegal, as this re-ages the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA has has 30 days for complete their reinvestigation, and 5 business days thereafter to send their Notice of Results of Reinvestigation. I have received no notices from two agencies regarding fraudulent closed charged off accounts.

XXXX XXXX XXXX XXXX AND SANTANDER CONSUMER FINANCIAL
Product: Money transfer, virtual currency, or money service

I was shopping through a third-party seller app called XXXX on XX/XX/2020. The seller told me that the reason I couldn't check out was because some problem with her XXXX  so I sent money for the product through PayPal. I sent her {$55.00} dollars which was transferred to pounds with a {$2.00} fee from PayPal. The next day on XX/XX/2020 I get a message from the same seller saying that her account was hacked and she was never selling the shoes. I immediately filed a dispute for an unauthorized transaction with PayPal because this person was not real and scammed me. PayPal denied my dispute on XX/XX/2020. I've tried to reach out to PayPal but to no avail they're not helping me. The only reason I sent money in the first place was because this person had 5 star reviews from over hundreds of people which is why I trusted doing a transaction with PayPal. Since her account was hacked, I had no way of knowing and I am being punished for someone hacking a seller 's account.
Product: Credit card

The contact information on my personal bank accounts is being changed and or added to without my consent! My question is why? Does the bank treat everyone in this manner, or just me? I've asked for this to stop for over 2 years now it's a gross invasion of privacy, discrimination and ethically wrong .I closed my checking and savings accounts over a year ago XXXX XXXX XXXX XXXX XXXX  and now it's happening again XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX ... ... XXXX
Product: Debt collection

Unauthorized fraudulently used my Target account and exceeded my credit limit. I sent in documents Target requested police report, affidavit, charges I was disputing, and copy of my ID. This claim was filed last year and never resolved. I fax all my documents on XXXX XXXX and yesterday a customer service rep in the fraud department stated they never received them. I have the copy of the verification form showing the fax went through. I 've called Target over one hundred times to resolve this matter, but have been unsuccessful due to them not returning my calls and giving me uninformed information including hanging up on me several times. The person who is working my claim supposedly is name Sue but I have called her over 100 times left messages but she will not call me back. I have the documents showing I fax them on XXXX XXXX and will be sending them again on Monday XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There 's a few reaons for this complaint : # 1 I have not received dispute results or any response in over 60 days - that is 2 full rounds of disputes that have gone unanswered which means that they are in violation of the FCRA and every single one of these accounts must be deleted. 

# 2 I have listed very specific dispute reasons such as all 3 bureaus reporting different balances and all 3 of them come back and state that it 's been verified. How can that be verified when each of the bureaus  reports different info? 

# 3 no notice of dispute was entered on any of these accounts and it 's required to be on there pursuant to section 623 or the creditor can not report the account! They had 30 days from the date my 1st dispute was received. All of these accounts must be deleted and I am uploading my credit report to prove that these accounts do not have that.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted two complaints to XXXX XXXX XXXX and trans union LLC. 

My transunion credit report is showing inaccurate information, it says I have a payment over thirty days late in XXXX of XXXX. This was the response I received from XXXX. 

In their complaint, XXXX XXXX XXXX states a credit bureau is showing a late payment for her XXXX XXXX XXXX ( XXXX ) account in XXXX. XXXX XXXX requests the late payment be removed from her credit report. While XXXX is sensitive to the concerns of XXXX XXXX, it appears there may be some confusion as to the accuracy of the credit reporting for her accounts. XXXX has reviewed the account of XXXX XXXX and believes the reporting is accurate. XXXX has reviewed the credit reporting for XXXX XXXX account with XXXX, XXXX and TransUnion, none of which are reflecting any late payments on the credit reporting for her account. Should XXXX XXXX have a credit report from one of these credit bureaus showing otherwise, she may provide a copy to XXXX, who will then re-open their investigation However transunion investigation on XX/XX/XXXX came back with something totally different. They said I have a late payment which is inaccurate I was never late.
Product: Vehicle loan or lease

ALLY auto financial repossessed my car on XX/XX/18. they did not follow consumer protection laws, motor vehicle laws, and disregarded my protection under the civil service member relief act. local New York attorney generals office has been notified and is in the process of contacting ALLY. The NYS DMV is investigating this as well. ALLY did not provide any documentation prior to after the repossession to myself or at a minimum the DMV.