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

Ive disputed my XXXX  accounts repeatedly with proof!! Ive had representatives call me wrong gender after repeatedly correcting them and they say, oh XXXX, youre calling again! ( XXXX on XX/XX/XXXX ). Asked for supervisor multiple times with no call back!! My wife called and they fixed hers immediately!! No dispute needed! They are being discriminatory! Im uploading just a few of the paid in full letters, but I have one for each account!
Product: Checking or savings account

XXXXVisa XXXX Was suppose to be paid {$330.00} on XX/XX/XXXX. They are denying that a payment was ever receved by XXXX XXXX Visa Credit Card. They have stated that they never received payment documented with online banking as XXXX  # XXXX. They are also claiming that they only ever received payments of {$45.00} or less being the minimum account which only brought the account balance down by {$1.00}. XXXX XXXX Visa is claiming non-payment for the duration of the entire account begining XXXX of XXXX. Please send copies of all payments made by me and received or cashed and applied to account XXXX to me and to this creditor. Which is a service that online banking provides when a biller denies having received payment. 
Again my account has been taken over by hackers. Most of my emails were deleted and I have been receiving false emails of the same name with emoticons that are not flagged as spam because they cloned and replaced the mail address of the company. Email is disabled and no longer working for me. Please do not send email to me. Only contact me via United States Postal Mail. Since XXXX my outgoing phone calls have been intercepted by a call center of hackers who represented them as businesses that I receive services from. XXXX XXXX   /XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I discovered that National Credit Systems Inc was reporting a reporting a debt of XXXX to all 3 credit reporting agencies. I discovered this after applying for a mortgages. The debt was for an apartment that I moved out of in XX/XX/XXXX after giving a 30 day notice. In XX/XX/XXXX I contacted the collection agency and apartment complex requesting a breakdown of charges and validation. I gave my 30 day notice and used my complex as reference to obtain my new apartment. I was not under a lease at that time and my rent was only XXXX at the time I moved out. 
On approximately XX/XX/XXXX I sent a letter to the collection agency for a breakdown & explanation of charges. I got no response. So I started contacting the credit bureaus regarding this debt. I disputed the account online with XXXX & it was removed after the collection agency couldn't provide proof of the debt. I was unable to find options for reporting the debt online for XXXX & XXXX so chose to wait until I was able to pull & print my annual report & write them then. I contacted XXXX & XXXX by certified mail on XX/XX/XXXX. Then on XX/XX/XXXX, XXXX reported that they were unable to remove the debt it came back as validated. I have yet to see any information. As of XX/XX/XXXX I still have not heard from XXXX.
Product: Student loan

Navient pushed me to drop my income based repayment in favor of their forbarence plan as ND mt payments tripled.
Product: Credit card

I am unable to add information to my original complaint XXXX. Continued to have many issues with TD Bank Credit Card Services. Attached is my final letter I sent my certified mail to the corporate office with my final resolution of my original case.
Product: Credit reporting or other personal consumer reports

Experian customer service refused to verify my identity and unlock my account over the phone. Customer service did not make an attempt to rectify the issue and allow me access to my Experian account. As a result, I had to file a dispute through the mail from being denied access to online services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, a hard inquiry from XXXX XXXX was placed on my Equifax credit report without authorization.
Product: Credit reporting or other personal consumer reports

I sent out a letter to TransUnion and XXXX demanding that they remove 3 unauthorized and fraudulent accounts that were reported to collections. The accounts in play were sold to a 3rd party vendor, which means they are NOT the original creditors. Thus, resulting in the the letter I sent out. Letter was sent out XX/XX/2023, and they received it XX/XX/2023. According to section 609 ( a ) ( 1 ) ( A ) of the fair credit reporting act, it states that ALL credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and ALL accounts that you post on a credit report ''. It has been well over 30 days, and the accounts are still present. And they also violated 15 U.S Code 1692c ( a ), I never game them consent to communicate with me in any way. They have been harrasing me for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy.

These addresses do not belong on my credit report
Product: Credit reporting or other personal consumer reports

Credit bureaus are responsible for maintaining accurate credit reports, but they sometimes fail to promptly remove incorrect information. 
This could happen due to various reasons such as administrative errors, disputes not being properly investigated, or delays in updating records. 
When incorrect information stays on a credit report, it can negatively impact individuals ' credit scores and financial opportunities, highlighting a gap in the credit reporting system 's effectiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wasnt aware I had a balance on my card as I had paid it off and thought I had closed the account. Then, I learned I had an annual fee that was past due. Once I realized it, I paid the amount due and decided I would go ahead and keep the card. When I paid it, I assumed everything was taken care of and fine. I had no idea Barclays reported to the credit bureaus that I went 30 days past due. If I had realized that I would just called and closed my account as I was told Barclays would have waived the annual fee, any lates fees assessed, and removed any negative marks from my credit. 

All I ask is that Barclays please removes the 30-day late mark from my credit report due to the annual fee.
Product: Credit reporting or other personal consumer reports

US DEPT ED Account # XXXX 15 USC 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to IRS.gov a charge-off is considered to be ordinary income and a 1099c form was never mailed to me, this is a cancelled debt the original creditor has filed it on their taxes but are also reporting on my credit report as debt which was also paid.
Product: Debt collection

ProCollect DID NOT and NEVER informed me that I owed a debt or that I had a right to dispute the debt. I contacted ProCollect on XXXX, 2017 and paid them {$1800.00} ( which include a fee that they charged ). Yesterday on XXXX/2017 I checked my credit report and ProCollect has reported an open collection account and caused my score to drop XXXX points! When I contacted them today the person who took my call initially was very rude and condescending telling me that I " should have paid the debt in the first place. '' Then I spoke with " XXXX '' who admittedly stated that he had never tried to get in touch with me prior to me calling him and paying the {$1800.00}.
Product: Money transfer, virtual currency, or money service

I Have noticed that I have loans and accounts that are appearing on my XXXX  XXXX account that I didn't complete. I used a system called credit repair and was under the impression they were fixing my credit. After applying for a loan as a first-time buyer I discovered that I was denied more than once. I was sent fake updates and credit reports that made me believe that Credit repair was actually fixing my credit. Then started to get reports that I would qualify for refinance loans shortly after that. All of which I never applied for. This becomes a big head ace because I thought i was working on fixing my credit but in fact, was just scammed. While in search of a new home i use XXXX XXXX as a place to find local homeowners that were selling their homes. In the search on the XXXX marketplace, i was charged XXXX XXXX  which would lead to multiple charges. This was to seal my credit card information. this was to apply for reaccuring payments on my account. This left me wiped out and destroyed my finances. More than one account was opened and in more than one state.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian you have 5 items on this account that are in violation of the FCRA XXXX each you decide pay the the fine or remove this account IM not asking for verification nor validation because they are violation s you are reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Also known as XXXX also know as XXXX XXXX XXXX XXXX creditor 15 U.S.C Sec 1681i ( a ) FCRA law has been violated Every creditor and credit bureau is obligated to report complete and accurate information to the bureau each one of the report bureau reflect different information which we make the report inaccurate and incomplete which violates 15 U.S.C Sec 1681i ( a ) Experian XXXX XXXX reports open on XXXX Charged off on Experian and XXXX All of this information is incomplete and inaccurate you can not report this information to the bureau like this it violates the law listed above nor can u report one account multiple times via different collect names all the the account reflect the same or similar open dates and balances and limits this is incomplete and inaccurate and violates multiple of the FCRA laws 15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. You guys did not fully complete an investigation
Product: Payday loan, title loan, or personal loan

Hello, my complaint is with Titlema x in XXXX, GA. My husband and I took out a title loan around XX/XX/XXXX/XX/XX/XXXX.. In XX/XX/XXXX my mother in law passed and we received an insurance settlement in XX/XX/XXXX. In XX/XX/XXXX I called XXXX  to get a payoff and they told me it was around {$2100.00}. I don't recall the exact amount but I went in personally and paid this amount to avoid the {$80.00} electronic fee. I waited for my title for several months. In XX/XX/XXXX I contacted them about my title and was told that I needed to pay for the transfer of names on the title. I paid that fee and still continued to wait for the title to be mailed to me.

Around mid XX/XX/XXXX I received a text that Titlemax was looking for a payment or the car would be repo 'd. We were stunned to say the least. After paying off the vehicle and making a separate payment for the title transfer, Titlemax was claiming they never received any such payment on last year. I can't find the receipt of payment but I know they're establishment is video recorded, 24hrs. They could have at least pulled the tape to confirm this act of me coming in and paying the vehicle off. Why would they ask for a title transfer fee if the vehicle wasn't paid off anyway?

At the end of it all, they repo 'd my car 3 weeks ago. They took my money, my car and have greatly disrupted my home financially. My husband is a XXXX XXXX XXXX with an injured XXXX  and has been catching the bus & train on a 3 hr commute to work ever since. This is just wrong. If I had the money to sue, I would. This company must answer for this. Please help us.

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

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX  XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Texas XXXX XXXX 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 


Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

On Sunday, XX/XX/2021, I received an email from XXXX stating that my {$1500.00} loan had been approved. Within 3 minutes, I received a communication from XXXX stating that my personal information had been used to secure a short-term loan. I reported to XXXX that I did not apply for any such loan. I opened Case # XXXX with XXXX and then called TargetCashNow at the number provided in the email they sent me : XXXX. I spoke with a representative and learned that someone online used my date of birth, email address, and social security number to secure a {$1500.00} loan and is having the money sent out of the country. I tried to explain that this was fraud. The agent told me I needed to file a police report. I told her I have XXXX and they would handle it. Today, XX/XX/2021, I received an email from TargetCashNow demanding payment of {$260.00} by XX/XX/2021, or I would be assessed an additional fee. I called XXXX and together we called and spoke with a representative at Targetcashnow.com named XXXX. XXXX told me I MUST secure a police report for his company as it is the policy at their company. He told me that they did not issue the money to the person who applied in my name. I asked him why they are demanding payment from me and he could not answer me. He told me that the only way to resolve the matter was to secure an official report from law enforcement. I believe this is not my problem. I asked for compensation from TargetCashNow for my lost time from work and miledgae but was not offered anything other than if I wanted to fix this so it is not my responsibility, this is what I had to do. I would like this matter investigated as this company is violating my rights under FERPA. Thank you.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX is in violation and not in compliance with Metro 2
Product: Debt collection

I called the company a while back and asked for a detailed billing of what was being owed due to contacting XXXX XXXX known as XXXX XXXX for any unpaid bills I am unaware of. XXXX gave me an amount of {$220.00} thats as only owed but debt collector is saying its {$730.00}. I told them I refuse to pay till they can send me proof of where this amount came from. Then they tried to settle me for {$500.00}, but still ignored what I was asking for on top of being disrespectful and rude and nasty with me.
Product: Debt collection

XX/XX/XXXX XXXX Robocall from XXXX XXXX XXXX threats of legal action sheriffs office and other more ominous action I called number back to inquire what on earth as to best of my knowledge i have no legal issues Person answering identified themselves as a debt collector XXXX (? ) made reference to an old Key bank account closed in XXXX in XXXX or XXXX i informed them that i was on the National Do Not Call Registry and that the debt in question was over 15 years old and well outside any collectible statute and hung up. 
I am currently living in XXXX statute for unsecured debt is 5 years in XXXXXXXX and XXXX in XXXX  XX/XX/XXXX XXXX XXXX Robocall again making ominous threats about a sheriff office complaint and legal action from XXXX XXXX XXXX robocall provided XXXX XXXX XXXX as call back # again person claiming XXXX be from collector XXXX (? ) i again informed them that i am on the National Do Not Call list and that the bank account was closed back in XXXX or XXXX and was well outside any statute of limitations and to conduct themselves accordingly. I have reported to the matter to the Florida Attorney General hotline and additionally will be also to the Office of Financial Regulation I had blocked both # s but have put them on caller id and will be saving any further attempts to contact me and hopefully will be able to save the threatening recordings
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX we were struggling to pay our mortgage due to loss of income. I tried to work something out with the credit union ( such as lower payments ) to no avail. In early XXXX we were offered to settle with the XXXX XXXX XXXX XXXX, XXXX, ME by forfeiting the home as " deed in lieu of foreclosure ''. We decided to do this because the legal representative from XXXX, XXXX, XXXX XXXX, XXXX, ME advised us that it would " look better on the credit report '' to have deed in lieu vs. foreclosure. On the credit report it clearly states " foreclosure '' and not DIL. I have tried on several occasions to get this changed on my credit report, even engaging a credit repair company to correct. The credit union states that it is not their fault that the credit bureaus are showing foreclosure and that it is because that is the only term they use for home surrender. Another problem is that when I contacted XXXX XXXX, XXXX, they stated that the " foreclosure '' happened in XXXX of XXXX. The house was re-sold and occupied in the first week of XX/XX/XXXX so this is not even possible. Also, the representative from XXXX, XXXX, XXXX XXXX stated that entering into DIL would be put back to the original surrender date of XX/XX/XXXX by us agreeing to the surrender. After reading your webpage regarding foreclosure and DIL, I have the distinct impression that there should be a difference in how this is noted on my credit report. Can someone please help me get a straight answer from these corporate agencies and get my credit report to reflect what actually occurred and when?
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a charge off and public record from my credit report, which has been inaccurately reported by your organization. This erroneous information is causing significant harm to my financial well-being and creditworthiness. 

I have taken steps to resolve the issue with this account and have successfully [ explain any efforts to resolve the debt, such as paying it off, settling it, or disputing it ]. Despite these actions, the inaccurate information remains on my credit report, negatively impacting my ability to obtain credit, loans, and other financial services. 

I kindly request that you investigate this matter promptly and verify the accuracy of the information reported in my credit file. If it is determined that the information is indeed inaccurate or incomplete, I request the following actions be taken : Remove the charge off and public record from my credit report. 
Update my credit report to accurately reflect the resolution of this account. 
Provide me with written confirmation of the removal and any updates made to my credit report. 
Please note that under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information on my credit report is accurate and up-to-date. I am attaching copies of supporting documents, including proof of resolution, payment records, and any correspondence related to this account, to assist in your investigation. 

I expect a prompt response within 30 days of receiving this letter, as required by law. If you are unable to verify the accuracy of the information, please provide a written explanation for your findings.

Failure to comply with the FCRA 's requirements may result in legal action, and I reserve my rights under both federal and state law to seek damages for any harm caused by the inaccurate reporting. Kindly assist me to delete the charge off account and public record as they are fraud in my credit file : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. OK, so here 's my challenge for you : Make a document that shows all of the evidence and send it to me. It should be verified, complete with sources! ThXXXX XXXX XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed. The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!