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

Called Experian on Tuesday XXXX Talked to XXXX at XXXX XXXX XXXX. When I ask to spell her name, she said " I guess I will spell it the correct way. '' XXXX The whole time she was aggressive from the beginning to the end. I ask her to remove another social security number, she had on file, that was not mine, then I told her to update my current address. I then ask her to remove all old addresses, that I no longer live in. She then stated, " That it's Experian policy not to remove any old addresses. '' So, I ask could Experian send me a copy of this so call policy. 
As know this is a straight violation of the FCRA. When I ask for a manager, she said it was not one in the building. I then ask her to send me to escalation, " She said that it was a que in line '' I told her I would wait, " she said she could not transfer me. '' She kept on going back and forth. These practices that Experian, is using are unacceptable and consumers need to go and get proper educated on their rights and seek out the right help.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6300.00} XXXX  XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$3000.00} XXXX  XXXX XXXX Balance Owed : {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1965 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern, On [ Date ], I wrote to tell you that I had not heard about any specific action taken by you to re-verify theitems I had identified in my credit report as inaccurate, outdated or incomplete. Please acknowledge receipt of the attached copies of my correspondence for your review. Since you have not given me names of persons you contacted for re-verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for re-verification, I assume that you have not been able to re-verify the information I have disputed. Therefore, you must comply with the Fair Credit Reporting Act and delete the disputed items from my credit report.I demand that you send me a copy of my updated credit report showing the elimination of the items disputed by me in the attached letters. According to the USC section 1681j, this copy must be provided at no cost to me. Additionally, I demand that it be postmarked within five days after signing the certified mail receipt you are holding.

Your failure to provide me with an updated copy of my credit report with the disputed items deleted will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting act, Civil liability for willful noncompliance. Your credit bureau may be liable for : - Any actual damages I sustain due to your failure to delete the items.-Punitive damages as the court may allow.-Cost of the court action, plus attorneys fees.A copy of The purpose of this credit repair letter has been sent to the Federal Trade Commission, the Subcommittee on Banking, Credit and Insurance, and the Department of Business and Professional Regulations ( Division of Consumer Complaints. ) XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1965 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing a credit issue related to my XXXX XXXX  Account. The account was initially set up for recurring payments of {$2400.00}, but on XX/XX/2023, XXXX issued a new payment amount of {$2400.00}, which resulted in the cancellation of the previous recurring payment. Unfortunately, the new payment was rejected by XXXX 's payment system, causing two delinquent payments- one in XXXX and one in XXXX of 2023 - for the amount of {$2400.00}. 

Despite XXXX 's customer representative XXXX 's confirmation that delinquency notices were mailed to my property address, I did not receive any notices and suspect that they may have been misplaced, as this is a common occurrence in my building. 

I have a long history of consistent and timely payments to the mortgage holder, with no late payments and additional principal payments. I strongly believe that the delinquency related to this mortgage account is the result of technological errors and the United States Postal Service. 

I am kindly requesting that the credit reporting agencies waive the delinquency notice associated with my mortgage account, as it was not a result of any negligence on my part. I am confident that upon review, the credit bureaus will recognize my track record of responsible and timely payments, and that the delinquency was a result of unforeseeable circumstances. 

I would greatly appreciate your cooperation in resolving this matter, and look forward to your response. Thank you for your time and attention.
Product: Mortgage

I contacted a loan officer to discuss options for lowering my monthly payments. He insisted that the only solution was to apply for a refinance, even though I inquired about alternatives like a loan modification or a loan recast. The officer claimed I would need at least {$90000.00} for any changes, and refinancing was the only way. Later, I found information from NEWREZ that contradicted this, so I called him back to ask specifically about recasting the mortgage. Unfortunately, he hung up on me during the conversation and now will not answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/XXXX CompanyXX/XX/XXXXXXXX BANK XXXX XXXX Date XXXX XXXX, XXXX CompanyXX/XX/WYNDHAMVACADate XXXX XXXX, XXXX CompanyXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date XX/XX/XXXX CompanyXX/XX/XXXX, XXXX AddressXX/XX/XXXXBANK XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit card or prepaid card

Last year I enrolled with XXXX to help settle my debt. Before they dropped me ( financial issues ) they had settled a few debts one of which was XXXX  XXXX XXXX XXXX visa aka XXXX  XXXX XXXX They paid all but one payment of the settlement before returning my money back to me from my account they had. I don't know why they didn't make this final payment. However when I found out they didn't I paid the final amount plus some. Since then they have continued to bill me and give me negative marks on my credit report. I have tried going through XXXX and the company about it and have gotten no where. It's like the company is pretending they never made a settlement while continuing to hurt my credit.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Mortgage

XXXX dated XX/XX/2024, attached, from NRL Mortgage highlights 'Notice XXXX Mortgage XXXX XXXX XXXX to take place XX/XX/2024. 

Unfortunately, on page XXXX of this document the following first paragraph states : " NOTICE OF SERVICING TRANSFER The servicing of your mortgage loan is being transferred, effective XX/XX/2024. This means that after your loan is transferred, a new servicer will be collecting your mortgage loan payments from you. Nothing else about your mortgage loan will change. The transfer of servicing does not affect any term or condition of the mortgage loan other than terms directly related to the servicing of the loan. '' Unfortunately, there was also an undisclosed 'Loan Transfer ' that seems to have been quietly avoided. And, the reference that nothing else will change may also be incorrect. There is a new loan number and a new loan owner. This seems to have gone well beyond XXXX XXXX ' interpretation and understanding. 

Additional documents provided display credit bureau score impacts during this time that need a new recovery window. Every customer involved in the non-disclosed mortgage transfer has been affected. 

While everyones individual credit is affected differently, the possibility exists that for some, the opportunity during the window of time of the reporting could either allow for applying for more favorable terms on a loan or credit card, or more importantly result in denied credit or unfavorable terms. 

XXXX may have not fully disclosed transfer requirements that detailed all involved as it did include a loan, a new loan number and credit bureau impact. 

XXXX attempted to say a thorough investigation was performed from my initial complaint, however, the response was too rapid as mre detail had been provided. 

An attached document regarding a XXXX Bank credit card has not yet fully recovered from a XXXX point drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn XXXX : its also started a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple fraudulent accounts appearing on my credit report.
Product: Credit card

Synchrony bank closed an account ( XXXX XXXX XXXX XXXX ) with someone's personal slanderous, maligning opinion. " Activity in account ( XXXX ) with synchrony bank indicative of high risk of " failure to pay. '' Account they are referring to has never had a late payment ever and I did NOT enroll this account as I felt justified in paying entire amount. Second I am in a XXXX XXXX XXXX XXXX, in which I have already settled 75 % accounts with these bloodsuckers including their " inflation '' charges. They put another negative statement on my credit where it would have shown I paid it all off and closed in good standing. If I were at high risk of failure to pay, why are they getting paid above principal on amounts they have jacked up another 30 % bs fees on? This company is NOT willing to work with consumers. Until you bring in a third party, they are worthless. This company is an ambulance chaser buying up all credit card companies, putting the working person in financial bankruptcy. I could have filed, or just not paid a dime and let them write them all off. Really motivates me to NOT want to pay these vampires another dime on any remaining accounts.
Product: Credit reporting, credit repair services, 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 privacy and confidentiality under 15 USC 1681. 
XXXX # XXXX, XXXX, # XXXX, XXXX XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX # XXXX. 
15 u.s.c 1681 section 602 A. States I 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 Report containing any the following items of information other then records of convictions of crime which antedates the report by more the 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 reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XX/XX/2019 i have 3 negative marks from collectors on my credit all from the same incident. I was lied to by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX representative i talked to on the phone I talked to them multiple times to have them listen to the recorded call and on 2 different occasions i was told they would clear the balance.. Those also should be recorded conversations. So i want all 3 of them disputed and cleared from my credit. It should be illegal for them to lie about what you will be paying and make you pay them or they destroy your credit. I was told i would pay {$80.00} a month for the package.. my bill was for XXXX that is insane. 

Receivable Performance- opened XX/XX/2019 - XXXX XXXX {$460.00} XXXX  XXXX XXXX opened XX/XX/2019- XXXX XXXX - {$120.00} XXXX XXXX- opened XX/XX/2019- XXXX XXXX XXXX - {$52.00} Please dispute these
Product: Debt collection

Everytime I call this company they dont answer nor be responsive regarding this debt and I have told them countless times Im a victim of identity theft
Product: Credit card or prepaid card

My Apple Cash account was locked after I loaded money onto it, I dont have access to any of my funds
Product: Debt collection

Grant weber will not verify by sending me a copy of my California ID since they are stating these are medical bills. They reported on my credit report couple years back that they are charge offs when I asked for identification. Now they are back on my credit report showing open. Still will not provide proper identification that they have authorization that it is me and they can try to collect after reporting charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Request Validation of Bankruptcy From XXXX, XXXX, Experian and Court. 
XXXX Received Validation from XXXX XXXX XXXX  XXXX- received letter stating bankruptcy is accurate. 
XXXX mailed letters to XXXX XXXX XXXX XXXX and Experian Bureaus for removal of Bankruptcy from credit reports with letter from Nevada Court stating did not report. 
Nothing has been done as of yet. 

XXXX  XXXX BANKRUPTCY FILED XXXX BAL {$0.00} XXXX Their original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681l ) and the information must be deleted immediately.
Product: Checking or savings account

My card was lost and I did not notice it was lost till a few days later. 
Upon checking my bank account i noticed several unauthorised transactions that I did not make. After further reviewing my bank account I noticed a transaction that was happening every month that I did not authorize or notice till that moment. 

Transactions that stood out from the day the card was lost. 
XX/XX/XXXX 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 issue : Running transaction that I noticed after checking my bank account thourghly : Multiple transactio from this same merchant. Seem like a monthly transaction that I did not authorize. 


XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The company stated they reviewed the claim and have denied the clam. they did not state why they did this.
Product: Credit card or prepaid card

I had a statement balance due of {$3000.00} on XX/XX/2019. I made a payment for the current balance due of {$4200.00} from my banks savings account on XX/XX/2019. I received a confirmation of payment email from my credit card company on XX/XX/2019. I received a " payment posted '' email from my credit card company on XX/XX/2019. On XX/XX/2019 I received an email from my credit card company stating that my payment was past due. After speaking with my credit card company, I was told that they posted my payment & credit my account with the balance paid " in good faith '' that my bank would pay the charge. Since I wasn't notified that my bank did not make the payment until several days after my payment was due, I was charged interest for non payment. This seems unfair as I should have been notified sooner that their was a problem with my payment to give me a chance to correct it before incurring interest.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXXXXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit report Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original sign consumer Dash any and all accounts you post on a credit report. Otherwise anyone paying for your reporting Services could fax, mail or email in a fraudulent account.I demand to see verifiable proof ( and original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the fcra, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.I demand the following accounts be verified or removed XXXX XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, XXXX remove incorrect addresses XXXX XXXX XXXX XXXX, Ohio XXXX. XXXX XXXX XXXX XXXX XXXX to me XX/XX/XXXX, XXXX According to the fair credit report Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original sign consumer XXXX  any and all accounts you post on a credit report. Otherwise anyone paying for your reporting Services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( and original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the fcra, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXX. 
XXXX. XXXX XXXX XX/XX/XXXX Please remove incorrect addresses Addresses : XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX. 
XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXX, XXXX michigan, XXXX XXXX. XXXX XXXX XXXX XXXX Apartment XXXX, XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX, XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX Apartment XXXX, XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX Apartment XXXX, XXXX XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX MI XXXX Please remove incorrect phone numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Please remove incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove incorrect date of birth : XX/XX/XXXX 1987
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX 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: Debt collection

I checked my credit report and noticed a charge off for the amount of {$1100.00} from XXXX XXXX. I called them and explained that I have not opened an account with them nor have I ever lived in XXXX, TX. 

The debt collector asked me to go to the police station and file a report. They stated that after the report was filed, to send it to them, and then they would remove the charge from my credit. 

They gave me this address and account reference number : XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I sent a dispute letter challenging the account on my credit report that is reporting inaccurately. The account is XXXX XXXX XXXX  XXXX. I informed Experian that the account information is not correct such as the balance and payment history and somehow, they claimed that it was verified. Experian is reporting XXXX late while XXXX and XXXX have since deleted this account per the agreement with the original creditor. This account was to be removed once the account was paid satisfactorily. Furthermore, the account is not reporting accurately. How does this meet FCRA regulations? I do not believe an investigation was done. You have failed to validate this account. Additionally, as per the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsection A-D ), please provide me with the names and business addresses of each individual who verified the aforementioned items, so that I can follow up accordingly. If you can not furnish this information, remove the account from my credit report. I attached the dispute letter, which is dated, and time stamped along with the inaccurate credit report.