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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to address an item on my credit report that is listed as " Charged Off, '' which I believe to be inaccurate. I am requesting the correction of this information pursuant to the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681i, which outlines my rights as a consumer in regard to inaccurate information on my credit report. 

Under this law, I have the right to dispute any information on my report that is inaccurate, incomplete, or unverifiable. I request a thorough review of the information related to the " Charged Off '' item on my report, and that it be corrected if found to be inaccurate or invalid. 

I kindly ask that you provide me with a response regarding the actions you will take to resolve this discrepancy within the time frame required by law, which is 30 days from the receipt of this letter. Should any further information be needed for verification purposes, I am happy to provide it. 

I look forward to a timely resolution of this matter and for my credit report to reflect accurate information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : 15 U.S.C. 1681i - Correction of Inaccurate Information 15 U.S.C. 1681i - Correction of Inaccurate Information : ( a ) Right to Correction or Deletion of Inaccurate Information If a consumer notifies a credit reporting agency that information contained in their credit file is inaccurate or incomplete, the agency must investigate, generally within 30 days, and correct or delete any inaccurate information. If the agency can not verify the accuracy of the information, it must delete it. 

( b ) Investigation Procedures The agency must investigate the disputed information and provide a response to the consumer, as well as transmit the results to any institutions that reported the information. 

( c ) Correction of Records If the information is found to be inaccurate, the agency must remove it from its file or correct it.
Product: Credit reporting or other personal consumer reports

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of XXXXederal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Vehicle loan or lease

Under FCRA 605B, it is mandatory to remove any incorrect accounts from my credit report. This account has been reported inaccurately ; therefore, please delete it from my credit file. I am owed {$1000.00} for each incorrect entry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently purchased a house and Equifax was exclusively one of the agencies that was running my credit report. 

My information should be held privately by Equifax and they allowed that information to be obtained by a 3rd party that I did not authorize. 

I have currently placed an Initial 90 Day Fraud Alert on my account but I feel that this will not cover the damages, should this become an issue down the road. 

My vital information is not changing and Equifax has carelessly handled my information and allowed an unauthorized source to obtain my information.
Product: Vehicle loan or lease

ATTN : XXXX XXXX I applied for a car loan on today XX/XX/year> and got Denied. I called Agent XXXX in the XXXX GA Office when, asked to speak to the Underwriter and he could not help me, he gave me a number that no one answered. I Then called to another Branch, and Agent XXXX answered the phone and said she could not help me, and to call XXXX back. Confusion everywhere.

Regardless of the REASON for being DENIED. I have a right to Credit with holding my ACCESS TO My Securities. That's Security Fraud you are violating the EQUAL CREDIT OPPORTUNITY ACT & Consumer Credit Protection Act. Title 15 subsection 1611 false and misleading denial of my own credit.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX  was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit card or prepaid card

XX/XX/XXXX - order placed on www.target.com for {$550.00} worth of XXXX XXXX XXXX. Total paid was  {$520.00} with red-card discount. 
XX/XX/XXXX - Contacted CS chat as cards never arrived. Was assured they shipped even though the label from XXXX XXXX denied it at the time. 
XX/XX/XXXX - Contacted their CS chat again, due to non delivery. Was told I needed to call. 
XX/XX/XXXX - Called XXXX CS - spent one hour on the phone straightening out the mess. Was told I waited long enough, consider the old order cancelled. Was recharged {$610.00} for the cards with expedited shipping. Received an immediate {$90.00} refund for the shipping. Was told to expect the {$520.00} refund within 7-10 business days. 
XX/XX/XXXX - reached out to CS chat again, as there has been no refund. Was told to call again. Sent a XXXX message as I could not call. XXXX response states they never cancelled, it was shipped and delivered, and pretty much OUR fault that they lied and did n't credit us immediately, and WE need to file a report. 

So I did. Here. 

This is most unacceptable. I would appreciate help in receiving a refund, as I have now paid {$1000.00} for {$550.00} in gift cards. I have also filed a report with the BBB.
Product: Debt collection

I got a derogatory notice from a collection company reported to my without even being contacted in writing about a debt.

I can't write a letter of dispute to a collection company when I never received a letter or notice of collection.

I never got a 30/60/90 day collection letter.

I never got a chance to dispute the collection before this was reported to XXXX.
Product: Money transfer, virtual currency, or money service

I just recently opened an account with XXXX XXXX with the intent to trade stocks on a small scale. In attempting to link my account at PNC bank I was given a message that says PNC has restricted the linking of my account to this company. I see no reason for this restriction. I am serious about what I do from a business perspective so please investigate this matter and relay the outcome as soon as possible. Thank you.
Product: Checking or savings account

I did a transfer from my XXXX XXXXXXXX XXXX XXXX XXXX Account to my Fifth Third Account which is known by the My wisely card which is a payroll Card. I did a XXXX dollar transfer and the money was deducted from my XXXX account and not put into my Fifth Third account. When I tried to get my money back I was told to do a card upgrade which I got denied and they refused to give my money back.
Product: Credit reporting or other personal consumer reports

An account on my chexsystems report is not my account and pursuant to the FCRA only verifiable and correct information can be reported on my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Is reporting inaccurately and because of that my score dropped XXXX points today. The error has hurt my score. The balance and credit limit are both inaccurate. I demand that you update this information from my credit report immediately. By the provisions of the Fair Credit Reporting Act of 1970,
Product: Credit reporting, credit repair services, or other personal consumer reports

I went in to the dealership to discuss purchasing a new XXXX XXXX. When doing so I told them that I wanted to talk about potential numbers and that I did not want my credit checked in the process unless we were close to a deal. We did not get close to a deal and yet the ran my credit through a company called XXXX  anyway. This inquiry was unauthorized. 

I called the dealership and they tried telling me that they can not do anything about the inquiry and that although the salesmen remembers me saying I do not want my credit pulled - it must have happened by the sales manager anyway. I asked if they could fix this and they said I would have to write a letter to the 3 credit bureaus. This is unacceptable.
Product: Debt collection

I am a victim of identity theft. Citi issued a credit card to a hacker that was using an address that wasn't mine. For 11 months they never contacted me and put the card in default. Only after I became aware of the identity theft and notified my bank and XXXX   did Citi put my home address and personal information on the account and then turned it over to a collection agency. Citi ran my credit report without my authorization on two instances in late 2018 and early 2018. I have asked them to remove these inquiries and they refuse. Then after finding out that the credit card was a fraud, they sold the loan to XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX started collection efforts. 
Never in the year in the life of the fraudulently issued credit card did Citi call, write or try to verify ownership of this fraud account til I notified XXXX.
Product: Debt collection

I am writing to formally dispute the collection account that you have placed on my credit report in connection with an apartment complex that I never signed up for. This account was opened fraudulently as a result of identity theft, and I have no contractual obligation to it. 

Upon reviewing my credit report, I discovered that your company has been reporting this collection, along with accruing interest, on a monthly basis. This ongoing reporting has had a severely negative impact on my credit score and financial well-being. I am requesting an immediate investigation into this matter and the removal of this fraudulent account from my credit report.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$110.00} XXXX XXXXXXXX Balance Owed : {$22000.00}
Product: Credit reporting or other personal consumer reports

I have an UNAUTHORIZED credit account such as XXXX XXXX XXXX  ( Acct # : XXXX ) ( Equifax ). 
I also have UNAUTHORIZED hard inquiries such as XXXX XXXXXXXX XXXX XXXX ( Equifax ).
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

About 5 -10 overdraft fees I have no idea about there was even no money in the account and the still pull the money and I had to pay about that money
Product: Credit card

XXXX Customer Service XXXX XXXX XXXX XXXX, PA XXXX Dear sir, Today, I went to XXXX shop of XXXX addressed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Again, two reward certificates issued your company were denied. XXXX is XXXX, which amount was {$XXXX}. This certificate ending XXXX was reissued as a replacement of previously denied two certificates XXXX and XXXX. Another certificated denied today XX/XX/XXXX of XXXX has the certificate number XXXX, which amount was {$XXXX}. In previous letter to your office, your office employee mentioned the possible usage of self-print out of certificates through its website portal. However, as I mentioned in that letter, I did not know the existence of that print-out system until my realization of the issues on illegal and fraud activities of my financial matters ; therefore, there is no chance to use the self-copied certificates, which your employee might have suggested another channel. Since I have one more denied certificate XXXX, the total amount of denied certificates ended up at this moment {$XXXX}. The list of certificates numbers in question are follows : XXXX ( {$XXXX} ) XXXX ( {$XXXXXXXX ) XXXX ( {$XXXX} ) Since the denial of certificates continue, I just want your company to make sure I can use next time. And I just can say I will not use the self-printed certificates from your company website account portal. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reported inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. I have submitted letters to XXXX, XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX stating the inaccuracies on my credit report. 

Account Name : XXXX XXXXXXXX Account Number : XXXX 1. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. After you have finished my request, please send me a copy of my credit report reflecting these changes. 

2. The date of last activity you are reporting for the below accounts dont match my records. 

3. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. 

4. No High Credit limit is reporting on XXXX. 

The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please see attached proof.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against the inaccurate and misleading reporting of an account listed as XXXX XXXX on my credit reports with TransUnion, Experian, and Equifax.

ACCOUNT DETAILS : Account Type : Installment ( Secured Loan ) Date Opened : XX/XX/XXXX Reported As : Closed/Paid High Credit : {$1900.00} Balance : {$0.00} Account Status : Current Date Last Active : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Last Reported : XX/XX/XXXX ( TU/EX ), XX/XX/XXXX ( EQ ) VIOLATIONS IDENTIFIED : Furnishing Inaccurate Information FCRA 623 ( a ) ( 1 ) ( A ) : The account status is marked as Current even though the account is closed and paid in full. Reporting a closed account as " current '' is inaccurate and misleading to creditors and violates your duty to report complete and accurate information.

Inconsistent Reporting Across Bureaus : TransUnion and Experian list the Closed comment but still report the payment status as Current.

Equifax states Closed or paid account/zero balance Secured, which aligns more accurately with the accounts actual condition. These inconsistencies suggest incomplete and conflicting reporting practices, which affect my credit profile unfairly.

Potential Re-aging and Misreporting of Activity Dates FCRA 605 ( c ) : The " Date Last Active '' and " Date of Last Payment '' are shown as XX/XX/XXXX, even though the loan originated in XX/XX/XXXX and was paid within 20 months. This could be a case of re-aging, which is prohibited under the Fair Credit Reporting Act as it artificially extends the reporting period and harms my credit unfairly.

Failure to Update Information FCRA 623 ( a ) ( 2 ) : This account has not been updated accurately to reflect its closed and paid status across all bureaus, with improper payment history reporting that implies the account is still in active repayment status.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I HAVE BEEN AFFECTED BY THE XXXX DATA 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. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$19000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 my wife XXXX XXXX XXXX and I placed freezes on our Equifax accounts. We had to remove them in order for XXXX to process our Payroll Protection Program loan application. I was able to remove mine quickly online. When my wife tried to do the same, Equifax said that it could not verify her identity and would not allow an immediate unfreeze. We called Equifax twice to explain the urgency, as the PPP money was limited and about to run out. Equifax refused to lift the freeze on her account. Instead, they asked her to fax in her details and a copy of her drivers license and then wait 5-7 days. We did that yesterday morning, called again today, and were told that it would take 5-7 days. The PPP money has now run out. XXXX will not process our application until the freeze is lifted. We have now lost out on a forgivable {$30000.00} SBA loan. Equifax took our information and then held us hostage, refusing to respond timely even after explaining to them the urgency of the matter. All of this during a time when every business is hurting and our economy is in a serious decline. Their callous actions cost us {$30000.00}. They should pay that to us and in future be required to act responsibly so as to not harm other consumers.
Product: Student loan

In 1993 I took a student loan out ... i had to repay XXXX. After growing up and having a family the student loan was at the end of my list to worry about. It's been in forbearance and what not off and on ... made payments for a couple of years here and there. 
Now 25 yrs later I owe XXXX. That's XXXX in fees and interest. I feel this is very wrong. I can't get a hold of anyone to talk to about this. What happened to the payments I did make? Are you charging me a huge fee everytime it gets transferred? I want to see if I can get the XXXX in fees waived and pay my original balance. But when I call they hang up on me and vant tall to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX . auto claims report erroneously lists me as the vehicle operator for an accident that occurred on XX/XX/XXXX. I am in receipt of a letter from XXXX XXXX showing that this erroneous information was considered when calculating my insurance premiums. 

I called XXXX on XX/XX/XXXX and was advised that my dispute would be investigated. As of this afternoon, the error remains on my report. 

I called XXXX this afternoon, XX/XX/XXXX. I was told that XXXX XXXX has confirmed that the information I disputed was incorrect. The agent was unclear why this information remains on my report, but promised to have his company 's investigators review the file. 

I would like this error corrected and new copies of my XXXX XXXX report sent to me and to my insurance company.