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

I recently wrote to Experian via certified mail, disputing information that I did not recognize and or find to be accurate on my credit report. The letters I wrote to them were left with an agent of the company per USPS tracking. I have included proof of this. Afterwards, I did not receive any indication from Experian that the disputed information was under investigation, nor did I receive any investigation results. I gave them plenty of time to get back to me. I feel it is unfair that they did not respond to my request for dispute. That alone is grounds for removal! However, I do not believe a proper investigation took place for the following items : XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX  XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have spent time comparing my Experian report, to my XXXX and XXXX reports, and there are MANY discrepancies. Why is there so much inconsistent data for these items? Isn't it Experian 's duty to ensure that my credit report is 100 % accurate and truthful? All this means to me is that Experian has been allowing these companies to furnish incorrect information this entire time, which deserves the deletion of the disputed items. Furthermore, I am concerned that my right to privacy is being violated. I have no idea how these companies obtained my personal, nonpublic information, such as my social security number to be able to furnish the information that they are reporting. Due to the inconsistent information, and my inability to recognize these companies, I reached out to them requesting information. I requested for them to send me any original contracts that they may have on file baring my unique signature. Because I did not consent to opting into reporting, I also requested any disclosure forms that these companies may have on file baring my unique signature, -which by federal law, are to be " clear and conspicuous ''. I had this right taken from me because no one gave me a choice. To this day, I have never witnessed any physical documentation baring my unique signature from any of the companies above. I just want to make sure everyone is following the law and that you, the CFPB, the supervising body of the Credit Reporting Agencies, are helping to ensure that my right to privacy is being respected, as well my right to fairness and accuracy. I am requesting that the accounts be deleted due to these matters included. I do not consent to E-Oscar.
Product: Money transfer, virtual currency, or money service

Venmo closed my account with them with no reason given when all my transactions were legitimate. On XX/XX/XXXX, I received an email stating that I need to upload my identification to maintain my account status due to suspicious activity. I did not see this email, and my account was permanently closed. I contacted the Venmo support team on XX/XX/XXXX, and they provided no information besides reminding me that my account was permanently closed. On XX/XX/XXXX, I uploaded my identification to their website in order to attempt to get my account reopened but they did not provide any resolution. Further attempts to contact Venmo on XX/XX/XXXX resulted in the same message saying my account was closed. In addition, my Venmo account was linked to an organization account with {$2000.00} in it for a club at my school of which I am the XXXX of and every time I contacted Venmo support, they did not understand what an organization account was because it is a discontinued but still supported feature from years ago. I was repeatedly asked to provide phone number or email verification that I own the account, but those are not linked to the organization account since it works on a different system of assigning ownership to a personal Venmo account - i.e., not linked to a phone number or email. By closing my personal Venmo account, I am no longer able to access my organization account since they use the same login for both accounts.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX This company is on my Equifax credit report. They indicate that I owe XXXX dollars. I have never done business with them. We have not had XXXX XXXX in over 20 years. This place is a scam. I tried multiple XXXX plus times to contact them. I only got a busy signal. I am going through the motions of disputing it, to remove it from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

InXX/XX/2017 I signed up for what I initially believed would be a payday loan from XXXX XXXX for XXXX dollars. Just enough to pay my rent. When I initially agreed to the loan, it was presented in such a way that I was made to believe that I would make four large payments and the loan would be paid off. It appeared that I would pay around 200 dollars for a XXXX dollar advance, which I was okay with. However, after the four payments were made they kept taking payments out of my account in the amount of 150 - 250 dollars per check, with only 35 - 45 dollars going toward the principle. That is when I realized what it was that I had actually signed up for. At that point, my only option was to pay off the principle, something that was nearly impossible to do when they were taking XXXX dollars a month from my check before I even saw it. This loan has cost me around 2600 hundred dollars so far and has made me perpetually late on all of my other obligations, destroying my credit in the mean time. 

This has also kept me in a payday cycle that has made it nearly impossible to stay afloat.
Product: Credit card

Dear U.S. Bank, Im following up regarding my closed credit card account and the rewards I earned before the closure. My XXXX  gave me full authorization to use the account, and I did not know at the time that it was against policy. Ive learned from this and wont repeat the mistake. 

Whats upsetting is how my rewards were handled. I followed all requirements to earn the {$300.00} bonus and more afterward. I never missed a payment and used my linked bank account to pay my monthly balance consistently. When I had a balance, I was told rewards couldnt be applied toward it. Now that I paid it off, the account is closed and the rewards are gone which is not fair. 

If rewards cant be credited to a closed account, I kindly ask that U.S. Bank send a check or direct deposit the funds to the bank account used to pay the card. My XXXX  is also provided her bank statements to confirm the charge on XX/XX/year>. 

Please consider my request fairly. I only want the rewards I earned honestly, and this situation has already hurt my credit significantly. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

About two months ago I contacted Experian about Identity theft. 
This item was not removed from my credit report there was another Item that was removed because of Identity theft. My family and have been a victim of this on going problem It has been hard to get Credit the little I know about this Item is that it is a Medical COLLECTION.Please note we have Insurance and I am attaching it documents. 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

i had filled i d theft reports with XXXX equifax and XXXX they claimed that all accounts were proven to be mine with no verification of how these accounts were verified and refuse to remove all accounts listed XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # xxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # xxxxxxxxxx XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account # xxxxxxxxxxxx XXXX all accounts should be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to be in violation of my rights in reporting inaccurate information. In their response letter they stated information was verified but in order to verify information according to Fair Credit Reporting Act, Section 609 ( a ) 1 ( A ) it is required by law to verify through a signed consumer contract, any and all accounts posted on my credit report. Otherwise anyone paying for reporting services could fax, email in a fraudulent account. 

Equifax and the merchants ( XXXX XXXX, XXXX, XXXX  and XXXX ) has not provided verifiable proof i.e an original consumer contract with my signature on it. Their failure to positively verify these accounts has hurt my ability to obtain credit. Unverifiable accounts must be removed if they are unable to provide verifiable proof which they have not under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordings What the fair credit reporting act The list below of accounts has violated federally protection consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX  XXXX BANK Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX XXXX USC 1681 section 602 A states I have the roughy to privacy.15 U.S.C 1681 section 604 section 2 : It also states a customer reporting Agency can not be furnished a Account without my written instruction 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer containing any of the following item of information any other adverse items of information other than record by conviction of crimes which antecedents the reporting by more than seven years.

15 USC 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 in information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX  XXXX {$760.00} XXXX  XXXX   XXXX {$180.00} XXXX XXXX XXXX {$8300.00} XXXX  XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I got a phone call from a woman from Del Ray Capital saying i took out a payday loan from the cash store. They told me they were an installment loan place. the lady told me i was going to be charged with a misdemeanor and go to jail as well get sued. she got very nasty with me yelling at me and reading stuff off of my credit report. she called me at my place of business i asked her not to and she said they could do whatever they want. I asked her to mail me documentation on her allegations and she said no she would just have my county proceed with charging me. I know my rights but for someone who doesnt know this could have been very scary. the amount she said i owe is more than XXXX of what i borrowed. i did make payments towards it when i got it as well. I hope they are investigated and learn that you can not talk to consumers in that way. threatening is no way to collect a debt, i worked collections for many years. i asked to speak to a supervisor and the rep proceeded to tell me she was the owner of the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account, nor account number I believe I have been a victim of Identity thief. 

XXXX XXXX XXXX Original creditor : 11 XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX creditor : 07 XXXXXXXX XXXX  {$1500.00} XXXX XXXX XXXX Original creditor : 11 XXXX XXXX  {$1500.00}
Product: Credit reporting or other personal consumer reports

I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, Metro 2 Format compliance, and any other relevant regulatory requirements governing reporting obligations. 

The following disputed information represents allegations that lack sufficient proof of validity and compliance. I insist that you promptly remove these entries from my report. I expect this action to be taken without delay. Below is a list of the contested information : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Despite my repeated disputes, Transunion has failed to properly investigate my account. On multiple occasions, Transunion has removed some of the disputed late payment entries, only to reinsert them later without providing any explanation or evidence of a thorough investigation. This practice demonstrates a clear failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies conduct reasonable and complete investigations of disputes. 

I have submitted multiple disputes directly to Transunion, but they have failed to take corrective action. I am asking that the CFPB oversee this issue to ensure proper handling and resolution. I also request that Transunion provide detailed documentation of their investigative process and an explanation for why the late payments were reinserted after being removed. 

Below is a list of the disputed dates, organized in chronological order : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please let me know if you require any additional information or documentation from my side to facilitate this dispute. I trust in your commitment to ensuring fairness and accuracy in credit reporting. 

Thank you for your prompt attention to this matter. I look forward to hearing back from you with confirmation that these inaccuracies have been resolved.
Product: Credit reporting or other personal consumer reports

18 U.S.C. 1014 is a federal law that prohibits the knowing making of false statements, including to lending institutions.

Comenity Bank continues to make false and misleading statements to the federal government through the CFPB.

They allude to the fact that they are not the ones reporting the misleading information on my credit report and refer the credit reporting agencies and myself to the new alleged debt owner however, Commenity Bank is 100 % responsible for their reporting of the incomplete information.

The deceitfulness of Comenity Bank and their lack of human compassion has cost me hours and hours of my time and has put tremendous stress on me during a XXXX diagnosis and a XXXX.
Product: Debt collection

The company Credit Collection Services representing XXXX, where I had an account with their supposed company XXXX, did not notify me of the debt in writing to give me the option to dispute the debt. The first time I was notified of the debt is when it hit my credit report dropping my score. I was bullied and pressured into paying the debt bc they insidiously waited for me to attempt to close on a property and obtain a mortgage to force me to pay. I didnt want to lose the deal and the money I put into it so I decided to pay it bc it dropped my credit score which would make me ineligible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letter to the credit bureaus as well as attempted contact and have yet to recieve any details, response, update, or answers on the matter : The following accounts on my credit report are fraudulent and without consent : XXXX USDEPT ED : XXXX DPT EDXXXX : XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX XXXX released the lien on my car to XXXX XXXX. After releasing the lien ; XXXX decided to report the account as delinquent. As a result, my credit score/rating has been impacted negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work with Bank of America since XX/XX/XXXX for a correction of late payments that they agreed to correct due to being under doctors care during the months of XX/XX/XXXX thru XX/XX/XXXX. After being assured that all would be taken care of Bank of America instead reported late to all ( 3 ) credit bureaus. I was advised that, they had no control and refused to honor their promise to remove. I was then advised it was up to me to dispute with all ( 3 ) credit bureaus and I did just that. I have written countless dispute letters for more than a year and no removal. I then contacted Bank of America on XX/XX/XXXX and was advised that they can't correct the late payments since it has been more than a year. But had record that I had been calling to resolve. I explained that out of good faith, I called and advised of my situation and they did not hold to the agreement. I have been trying to clear this matter for over a year with all ( 3 ) credit bureaus XXXX XXXX and XXXX  and Bank of America directly. I appreciate any assistance you can provide in clearing this matter. Also, I have been trying to work with XXXX XXXX and XXXX XXXX XXXX regarding the same issue for more than a year and to no avail, no action taken place.