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

The department store XXXX XXXX XXXX has report incorrect information on my credit report and I have disputed this with them three times and they are failing to correct the errors. I have also disputed this with Experian XXXX XXXX on two different occasions and I was informed the information is correct. I have attached the information that are being reported inaccurately. The payment for XX/XX/2019 was never late. The credit card company is reporting for the month of XX/XX/2019 that payment was made on time with Experian and reporting 30 days late with XXXX. This is inaccurate reporting that has ruin my credit score and no one is trying to correct the reporting.
Product: Money transfer, virtual currency, or money service

This is a PayPal account. I had to wait almost 3 weeks for my {$100.00} to be added to account from a friend that sent me money. Now it cleared, however they will not let me withdraw my money. I have called, emailed, and chatted. They refuse to help and just keep saying wait another 24 hours after they told me I would have XXXX  XXXX  when calling
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have had money taken from my digital wallet and when I tried getting it back, there was no help centre or any phone numbers to call to speak to any representative working for this company. No information on any sort of help whatsoever. This happened many times and the company is misleading and misinforming.
Product: Credit reporting or other personal consumer reports

the Dates were on XX/XX/year> and on XX/XX/year>, Experian said that my account came back verified, but I ask for the records of their investigation for my personal file and no response as of yet. I also called the credit agency myself and they showed no record of my account, so how did they verify it.
Product: Credit card or prepaid card

I was robbed on XX/XX/30 took me seven days to get a live person on the phone I have my call log to them then I was told some documents were being sent and would take 3 to 5 days this was on the XXXX I get on the XXXX I fax it over I had until the XXXX to get them in. So I call this morning and they already closed my dispute I have done some investigation of my own and these people are on camera using my card and I dont get my money back. This direct Express card needs to be taken off the market.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 60 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX30 days late as of XX/XX/XXXX 30 days late as ofXX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion are report inaccurate information on my consumer on my credit file and its affecting my ability to get personal things in my name that I need. I filed a dispute with both companies stating that there is inaccurate and fraudulent information being reported when it shouldnt be. 

XXXX XXXX  - XXXX XXXX {$580.00} XXXX XXXX XX/XX/2021 - {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently applying for a mortgage loan and the lender can not obtain my credit score through Equifax. I have contacted Equifax numerous times and they tell me that all information is correct in my credit file, but the lender is still receiving a no record found message when they are attempting to obtain my credit score. There are no issues with the other two credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions Credit Karma suggested cards saying I would be extended credit and I was rejected. This further hurt my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent disputes last XXXX2020 regarding to those inaccurate and unknow accounts on my credit report. but until today I haven't received any response. I'm a victim of XXXX  Data breach. I want all those account will REMOVE on my credit report ASAP or I will file a litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT SOMEOME STOLE MY WALLET ALONG WITH MY DEBIT CARD AND CAPITAL ONE IS REFUSING TO DELETE THE ACCOUNT.
Product: Student loan

, NAVIENT, refuse to remove damaging CREDIT REPORTING information despite receiving BANKRUPTCY documentation that the debt has been Discharged/Set-off/Charged off. NEGATIVELY impacting credit report and violation of FDCPA, FCRA.
Product: Credit reporting or other personal consumer reports

Equifax is not straightening up my credit report for lenders to be able to pull my credit. They keep telling me that everything is right on my report, but it cant be because no lenders can pull my credit and Ive called Equifax for the last six months still no nothing has changed.
Product: Vehicle loan or lease

My name is XXXX XXXX and I have been trying to clean my credit now for 5 years. My credit was compromised and I also received information from XXXX  that my credit was compromise. I have filed a claim with XXXX  for the Class Action situation with XXXX  data breach. After almost 10 years I have been disputing a Santander loan on my credit and XXXX XXXX  that was a car accident and I sent in all paperwork and it is still reporting. I recall co-signing with my ex husband years ago with Santander but XXXX should be deleted and Santander. The vehicle was sold for {$4900.00} but they are still reporting {$10000.00}. I have been on XXXX for 3 years now but this car loan on my credit is prohibiting me from purchasing anything and keeping my score low. I have complained for over 3 years with all credit reports and they continue to not delete it and I have called the collection agency and they admitted it should be {$2000.00} listed as debt but they havent negotiated the price or deleted it and they are still reporting {$10000.00}. I cant get approved for a place to live and or a credit card. I constantly dispute this car loan and it constantly stays on my credit and its been almost 10 years. Please help me. I am a XXXX single mom of XXXX XXXX children and I already fill in poverty. I am trying to repair my credit. I also have tons of inquires and most I did not apply for and credit companies told me nothing could be done about the inquiries. What are my right with inquires?
Product: Mortgage

In XX/XX/XXXX, my ex-husband and I had a sun room added to our first home. The original loan documents were place with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, Minnesota XXXX for approximately {$32000.00}. This loan was then bought out by Green Tree XXXX XXXX XXXX XXXX XXXX, XXXX , NJ XXXX. On XX/XX/XXXX, Green Tree Mortgage merged with Ditech, which is my current lien holder. After placing several calls requesting a copy of my entire payment history, XXXX, customer service representative, advised me this request will have to be submitted via email. On XX/XX/XXXX, an attempt via email was made to obtain a copy of my payment history beginning with origination date to present, which has not been received as of date.The original loan amount was approximately {$32000.00}, with monthly payments being {$410.00}, my payment being made in XX/XX/XXXX, which I continue to pay as of present. I currently send this company {$200.00} bi-weekly which are paid through my bank via my pay. I can't seem to understand how I have paid this debt for 18 years and still have a remaining balance of {$27000.00}. I have paid off the home which was roughly {$64000.00}, paid off a brand new car which was roughly {$24000.00} since taking out this loan and still owe pretty much the same amount of monies that were initially financed. This can not be, this finance company is fraudulently taking my money by adding astronomical interest to this loan. Ditech is making false representations about amounts owed as I do not owe the above stated amount. According to the loan statement, my current interest rate is 14.999 % with only {$70.00} being place toward the principal of this loan. At this rate, this loan will never be paid off, despite already paying {$90000.00} which is triple the amount borrowed for a {$32000.00} sun room. Please assist me with getting some type of resolution and/or relief from this debt. The practices of Greentree and Ditech are unfair, unjust, unethical and predatory. As evidence of the origination amount, amount of years I have been paying on this loan and remaining balance, I am a victim of predatory lending! At conception of this loan, we were prayed upon as a young couple purchasing our first home and were deceived into predatory practices.
Product: Debt collection

Someone from XXXX and XXXX called my son and ex-daughter in law and left voice messages referencing case # XXXX stating they needed to get in contact with me or my attorney or legal action would be taken. I blocked my number and called the number and was told that they were collecting for Wells Fargo for a XXXX  unpaid purchase of a {$36000.00} vehicle. The address they had for the so called loan was not mine in 2006. They had the last XXXX digits of my social, my current address, and name of previous marriage. They told me they had sent a letter offering me a chance to pay $ XXXX to settle the debt. I did not verify my current address and told them I had never received any correspondence from them. I have never purchased a vehicle from Wells Fargo and the name they said the loan was in in XXXX  was not mine at the time. I asked what kind of vehicle it was and they couldn't tell me. They said they would further investigate. I told them they should have done that first. I ended the call by hanging up.
Product: Consumer Loan

There is an open car loan in my name from 2005. It is showing open with a balance of {$24000.00} and XXXX credit limit XXXX Payments XXXX Past due. I called this company Gateway Financial for 3 weeks requesting they fax me a letter stating I have no car loan an to please fix my credit through them. I have n't received no phone calls, every time I call I get the same response " the credit department is n't in today ''. I am at wits end on what else to do to rectify this issue with them. Please help!
Product: Credit card or prepaid card

I Received a letter of declamation on XX/XX/2021. The declination was from First Bankcard which is fFirst National Bank of Omaha stating they were unable to approve my credit card request and the reason for their denial was identifying information does not verify. I telephoned the bank to inquire with a credit analyst what particular information were they unable to very and was advised that the credit bureau did not have the date my Social Security number was issued. My spouse has been an XXXX  of major XXXX  for over 25 years and stated hes never witnessed such a decline especially since no attempt was made with me from them to obtain any verification. By the way, the date is printed on my Social Security Card. I feel if my name wasnt XXXX XXXX XXXX XXXX, maybe a little more effort would have gone into their review. Other banks have asked for my drivers license, income verification, and even my Social Security Card ... .. Im not in banking but to decline a potential customer, human being, a real person without a blink of an eye for such a pathetic denial reason, they should of just said they dont approve XXXX. My credit score is XXXX as youll see on the documentation attached. The analyst advised I contact XXXX  so my issue date could be added to my number. The representative at XXXX  had no idea what I was talking about. First Bankcard refused to re-evaluate their decision and advised I re-apply. That makes 0 sense. She also advised that my application was strong and re-applying was all she could say. Also please note, I called as soon as I received their letter. Mail is running 20-25 days here in state.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I reached a payment for agreement settlement with XXXX XXXX, debt buyer for Comenity Capital Bank. I met the agreement and paid in full. Documentation attached. XXXX XXXX deleted the tradeline from reporting to the 3 bureaus but Comenity will not hold their end of the agreement. I provided proof of this settlement agreement, payment proof, and showing of XXXX XXXX XXXX dismissal with prejudice. Comenity Bank responded to 6 disputes through 3 credit bureaus by refusing to remove the tradeline and continues to report derogatory information on late payments from XXXX. This is a violation of the terms of agreement and damaging to my capacity to secure financing.
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 Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am submitting this complaint personally, with no third-party involvement. I have attached letters providing detailed information about what is being reported on my credit report. I have never had a contractual relationship with Credit Collection Services, and I believe the original creditor, XXXX XXXX, sold my account without proper notification. This constitutes a clear violation of FCRA Section 611 due to the inaccurate reporting on my credit report. I kindly request that you delete this account immediately, as it is being reported inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listings. 

XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$120.00} There are no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from XXXX XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Debt collection

ATG credit has been reporting for the past 4 months the incorrect amount of {$700.00} to XXXX credit bureau as an amount that I owe. This is not an amount that I owe to ATG Credit. I have reached out to ATG via email, chat and telephone for the past 90 days with no resolution. I have also reached out to XXXX   via telephone and was told there was nothing that I could do except continue to dispute it. The dispute and faxed documentation to XXXX is doing nothing since XXXX is not correcting the issue on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection with XXXX XXXX which was paid they agreed to remove it from all three bureau, and it was removed but on XX/XX/2018 it was placed back on my credit file with Equifax, dropping my score 88 point, saying it was reported corrected by XXXX XXXX, ( per XXXX XXXX ) which XXXX collections stating that they have not reporting anything on me to no bureau concerning this account because this account is closed and no longer been collected on.. Equifax is reporting inacurute information on consumer credit report and not willing to fix the problem with your score plunged with a significant amount of points been lost on your credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX ; 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 a account without my written instructions
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  / XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. 
Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 
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. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Debt collection

Credit Collections keeps updating the information on a paid debt from XXXX. It keeps changing the closing date for some reason on my reports. It was closed years ago. Stop updating the information erroneously. Also, I live in the state of Michigan and I could not find a license for Credit Collections on LARA which is the states licensing department. I want proof they are even able to report items on credit reports in Michigan.