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

Many years ago I had a cook two cards with Capital One and one with XXXX  and each of those cards I was able to negotiate a pay for a deletion where I paid the account in full and they promised me that they were going to delete those accounts from my credit report and both of those companies have since reneged on the deal and they tricked me and manipulated me into paying these balances that I did not believe were mine in the first place in order to remove them from my credit report which are they went and they sent me a letter saying that it you know it was going to be deleted and I since have sent them this letter and I have not been able to remove these accounts from my credit reports are they have in my opinion in a committed negligence fraud and I would like to take legal action and sue them for all the violations that they made in these instances and him as I told them when I have calls are at least 10 times I have tried to dispute both of these are items so all three of these items are over 10 times with the bureaus and Ive been unsuccessful in each attempt and I have provided documentation to prove my case and these are for accounts that are paid in full and like I said they promised to delete them so they have reneged on their word and now they are costing me thousands and thousands in as they ruin my credit and I want them deleted immediately if they are not deleted in 30 days from this complaint I am going to pursue legal arbitration and Im going to take this up with the courts because Im done with this this is my last attempt to get a delete it if they dont delete it Im taking legal action 1000 % so thats it
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/ one of my oldest accounts was closed due to inactivity which severely damaged my credit score. I never received anything that said they were going to close my account or that my account was in jeopardy of being closed due to inactivity or that they could close it due to inactivity. The only reason there was no inactivity is because it was during the Covid pandemic and things were really hard and I was struggling. I caught XXXX a couple times Ive lost people to XXXX, its just been a really hard last few years, I have worked very hard to get my credit score to where it is and because they close this account I lost XXXX points off my credit score, which really hurts and affects me. I was planning on buying a house and now Im not able to because its more difficult with a lower credit score and its taken me years to get my credit score to where it is. I called the credit card company to ask for anything thats says they were going to close it or that they could close it but they said that I should have gotten something after a year but its been 3 years that I havent gotten anything but they said were just now going to send me that information and they said theres nothing else that they could do but to call the credit bureau. I called the credit bureau and they told me the only thing I could do is call CFPB so this is where Im at now submitting a complaint to hopefully get this situation resolved because I dont think its fair that they can close an account without at least giving you a notice so you can have a chance to fix the situation before it happens or tell you when you get the credit card that your account could be closed due to inactivity before you get the credit card not after because the only reason I got the credit card was for that one purchase, had I been told I need to use it to keep it open I would of used it a little to keep it open.
Product: Payday loan, title loan, or personal loan

I was contacted by XXXX XXXX XXXX and they claimed that I visit their site. The man said I was approved for a loan. I said ok and XXXX was deposited he did n't advise me that they would be charging fees or I would have never agreed! As of today they withdrew {$1300.00} from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/23 Experian stated Per your request to conduct a reinvestigation, we contacted the data furnisher ( s ) for disputed items on your Experian credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported. Other aspects of the disputed item ( s ) may have also been updated by the data furnisher ( s ). The results summary was sent to you for review. Under 15 U.S.C. 1681 I request proof of the furnisher name and business. This is a stall tactic that Experian claims to have verified. I'm not credit repair company nor hired one. The only furnisher of this information is the federal bankruptcy courts. EXPERIAN ALREADY REMOVED 4 INACCURATE BANKRUPTCY INFORMATION FROM MY CREDIT REPORTING BUT CLAIMS THIS IS ACCURATE FROM THE FEDERAL BANKRUPTCY COURTS. HOW CAN YOU REMOVE Experian remove 4 OUT OF 5 AND CLAIM 1 IS ACCURATE? THIS PROVES TO BE A LIE FROM EXPERIAN Once again!
Product: Credit reporting or other personal consumer reports

Once I noticed that my credit profile had a security breach I immediately contacted the authorities as well as filed an FTC report. I alerted all of the Bureaus and accounts. I recently received that one of the accounts did not want to comply so I decided to escalate the assistance with my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to remove unauthorized credit inquiries from my credit report. 
On my XX/XX/2024 credit report, I discovered several unauthorized credit inquiries on my Experian credit report. I promptly disputed these inquiries, as I did not authorize any of them. However, Experian advised me that I needed to contact the creditors responsible for these inquiries to obtain a letter from them acknowledging the unauthorized inquiry. This is in direct violation of the FCRA. 
As per the FCRA, credit reporting agencies are required to maintain accurate and complete consumer reports. Experian, as a consumer reporting agency, bears the responsibility of investigating my dispute and ensuring the accuracy of the information on my credit report. I am not responsible for obtaining any documentation from the creditors involved. 
By shifting the burden to me and refusing to remove the unauthorized inquiries, Experian has failed to uphold its legal obligations under the FCRA. I request that the CFPB investigate this matter and compel Experian to remove these unauthorized inquiries from my credit report.
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 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 XXXX XXXX XXXX Reported : XX/XX/2023 {$860.00} Outstanding XXXX XXXX XXXX Reported : XX/XX/2023 {$810.00} Outstanding XXXX XXXX XXXX  Reported : XX/XX/2023 {$810.00} XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/2023 {$320.00} Outstanding XXXX XXXX XXXX Reported : XX/XX/2023 {$210.00} Outstanding XXXX XXXX XXXX Reported : XX/XX/2023 {$100.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

Open the account with XXXX. Deposited a check for XXXX drawn from the XXXXXXXX XXXX XXXX  XXXX in USD funds on XX/XX/2022, the bank told me it would take 4 to 6 weeks for the check to clear. Found out that the XXXX XXXX XXXXXXXX XXXX has issued the funds to my US Bank account 3 weeks ago. The funds are not entered into my account as of yet. Have had two domestic wire transfers into my account totaling XXXX. So there is a total of XXXX that should be in my account. 
I've tried making some transactions on my account to take care of my business and the US Bank has put restrictions on my account so I'm unable to take care of my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information
Product: Credit card

Barclays continue to post that I have a charge off account and my account is paid in full never a charge off. I do n't owe any money and company wont send me a payment history just keeps saying I owe them. XXXX XXXX XXXX XXXX BARCLAYS BANK DELAWARE Address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Account Number : XXXX ....
Product: Credit card or prepaid card

In XXXX I agreed to pay {$5000.00} for XXXX  XXXX and an elective implant. It consists of several XXXX  over many months. In XXXX covid lockdowns began and under advice from my dentist they said to cancel the XXXX XXXX  part, which is a majority of the process. I cancelled the XXXX  and agreed to pay for the completed procedures, about {$1400.00}. The XXXX XXXX refused to cancel the XXXX XXXX  and cited the contract as non cancel able on my American Express credit card. 
I tried to get American Express to cancel the XXXX XXXX XXXX and they also refused, backing up the XXXX XXXX. 
American Express sued me for {$3600.00}, which I refused to pay. 
We went to trial and the American Express lawyer obtained a summary judgement before the court date. 
My credit has been ruined and now they are trying to collect using debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason, I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, USDOE/XXXX. There are also some inquiries that are not mine AN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 have contacted the FTC and the Georgia police.
Product: Credit reporting or other personal consumer reports

This account was charged off on the followind date : year 2020. 
Since then the account has repeatedly been updated as charged off every month. This is an update in the paymeny history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it XXXX and you neglect has violated my rigths, I am demanding a deletion of the following account : XXXX XXXX XXXX, account number : XXXX.
Product: Credit reporting

I wrote a certified letter to Transunion XX/XX/2015. As of this date - though they have been very helpful in my attempts to correct other elements of my credit reports, Transunion continues to list addresses that have nothing to do with me. 
They are part of the identity theft while I was out of the country. 

Kindly help to encourage Transunion to respond to my pleas.
Product: Student loan

On XX/XX/XXXX, I got a NASTY email from nelnet claiming that my payment was 15 days past due. First of all, I never got a bill in XXXX. Second of all, I've been paying more than the minimum amount due for 14 YEARS! There is absolutely no way my bill is ever past due considering how far ahead of my payment schedule I am. I should NEVER get another NASTY email from nelnet claiming my bill is past due. It is not!!
Product: Mortgage

I believe I was the victim of false promises made by Charles Schwab and its partner XXXX Loans. If not willful, it was due to willful negligence. 
In summer of XXXX I wanted to refinance and replace a HELOC on my personal residence. I did a lot of research of many programs. At Charles Schwab on XX/XX/XXXX, I was referred to Mr. XXXX XXXX and he told me I could refinance my house and obtain a " piggyback '' HELOC for {>= $1,000,000} ( based on the equity in my house ) at very favorable terms ( 3 % APR, no fees ). Based on what he told me, I chose to refinance with Charles Schwab via their loan partner XXXX XXXX ; the loan closed XX/XX/XXXX. During the refi process, I repeatedly asked when I could discuss the piggyback HELOC and was told to wait until closing. Just prior to closing time I asked again and was told, for the fist time, that my refinance did not qualify for the piggyback HELOC, or for that matter any HELOC due to the type of my refi. No mention of this was made by Mr. XXXX and a Charles Schwab representative later acknowledged he did not properly inform me of the terms of the offer. 

I've attached an e-mail from Mr. XXXX where he informs me of details of the HELOC offerings but does not mention any restrictions and does not inform me that my refi type doesn't qualify me. I've also attached a copy of the Schwab web page where they describe their HELOC products with no mention of the restrictions that later prevented me from obtaining the piggyback HELOC.
Product: Debt collection

Spoke with the company twice and asked to have all the information sent to me. Was definitely not me, I have never been to XXXX XXXX XXXX XXXX of any kind. Company is not cooperating in any way, have not sent me any info on what this debt even is
Product: Checking or savings account

New account was closed the day after I opened it. It was closed without warning after I already sent funds to the account and setup direct deposit with my employer. I suspect it was because of my XXXX
Product: Mortgage

I 'm recently divorced I 've been requesting a mortgage modification with the mortgage company Select Port Folio. they are in the process of reviewing the mortgage for the modification. I received a property foreclosure notice for XX/XX/2016 while my loan is under review..
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable.

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

My credit report is showing I have a vehicle loan that's not been paid on. I don't have a vehicle loan through anyone my vehicles are paid for and have been for more then 5 yrs.
Product: Vehicle loan or lease

Credit Acceptance lied on several occassions 1 ) Stated dealer would cover repairs XX/XX/18 phone call 2 ) Not mechanical issue and wear and tear my problem even though car sold in such poor condition and unsafe. 

3 ) I never contacted them see response XX/XX/18 by credit Acceptance and my attached phone log. 

4 ) Lied in second response on when diagnostics received and requested and asked I send via a unsecured network. XXXX email address provided and diagnostics sent. Was told after sending that network not secure. 

5 ) Car would not have purchased if a warranty wasnt provided and again warranty had no pre exsisting clauses and implying I had knowledge of issues is also untrue. Dealer agreement with Credit Acceptance reguarding implied warranty being overlooked by Credit Acceptance for this case. Is online to see. 

6 ) Last response lied and all capabilities to get information on account status, payoff suspended right after submitting a false respone that is available and current. 

7 ) Calling Customer Service and they refuse to answer any questions requarding account and said will only send letters. 

8 ) Stated polies and procedures to prevent high mark ups in place but failed to state what and provide system uses to have prevented. Link attached 9 ) Contract never provided and on camera at dealership 10 ) Company retaliation, harrassment for fililing 11 ) States Credit reporring correct and no proff and XXXX XXXX isnt accurate? It is updated in seconds and very accurate. Still mis reporting credit balnces and major increases and decreases prior to any payments. Refusal to update recent payments or discuss.
Product: Credit reporting or other personal consumer reports

I worked for the government and my personal information was apart of the government breach and credits cards were opened in my name from that security breach. My credit report has numerous charge-off due to bad debt.
Product: Debt collection

PayPal is attempting to collect an alleged debt that I do not owe. I entered into a consumer credit transaction, not a loan. They did not inform me that this was an attempt to collect a debt in our initial communication which is violating 15 USC 1692e ( 11 ). They are sending me a bill in the positive amount. I can not owe something that has a positive balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted the necessary supporting documents and I implore you to conduct a thorough investigation into this matter without delay. It is imperative that you take immediate action to remove the fraudulent inquiries from my credit report, as they were not authorized by me and are causing significant distress.
Product: Credit reporting or other personal consumer reports

Safco Subject : Dispute Regarding Inaccurate Credit Reporting Dear Sir/Madam, I am writing to express my frustration and concern regarding the handling of my account by Safco. Since XX/XX/year>, I have been actively trying to resolve an issue concerning fraudulent and inaccurate information being reported on my credit profile by your company. Despite my efforts, the situation remains unresolved. 

During this period, I have taken several actions to address this matter. I have sent multiple letters requesting detailed information regarding the alleged debt and have specifically asked for the purchase agreement or contract demonstrating full ownership of the account. Additionally, I have reached out to your customer support team on numerous occasions seeking clarification and resolution. 

Unfortunately, despite my persistent efforts and repeated requests for validation, I have not received satisfactory documentation proving the legitimacy of the debt and confirming my ownership of the account. This lack of transparency and cooperation has not only caused significant stress and frustration but has also resulted in continued negative impacts on my credit score and financial standing.

I firmly believe that the information being reported by Safco is inaccurate and misleading. I have requested that your company provide the necessary documents to verify the ownership of the account and to validate the debt. However, to date, my requests have either been ignored or have resulted in inadequate responses that do not address the core issues.

Therefore, I urge Safco to promptly provide me with the following documents : 1. The original purchase agreement or contract establishing ownership of the account.

2. Any additional supporting documentation verifying the validity and accuracy of the debt.

3. A detailed breakdown of the outstanding amount, including any fees, interest, or penalties incurred.

Furthermore, I request that Safco thoroughly investigate this matter and take immediate corrective action to rectify the inaccuracies in the information being reported to the credit bureaus. I also request that Safco issue a formal letter of correction to the credit bureaus to ensure that my credit report accurately reflects my financial status. 

I trust that Safco will prioritize this issue and work diligently to resolve it in a timely and satisfactory manner. Your cooperation and prompt attention to this request are greatly appreciated. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX