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

In XX/XX/XXXX I contacted Equifax for more information on account XXXX XXXX XXXX XXXX ending in XXXX XXXX, they responded back via mail with a letter stating my XXXX Date of Delinquency is reporting as XX/XX/XXXX. 

Today is XX/XX/XXXX I contacted Equifax again to get the account removed as it would have reached the 7 year statute of limitations law. I spoke to Representative XXXX and hes stating the XXXX Date of Delinquency has not changed it has always been XX/XX/XXXX. Which is incorrect and will be uploaded with my complaint. 

The date of the XXXX date of delinquency would have made 7 years XX/XX/XXXX and is now changed just days before its supposed to fall off, which is a violation to the Fair Credit Reporting Act. 

Federal law prohibits collection agencies from changing the original delinquency date of the debt. I have documents showing the original date has been changed. 

Not to mention this account has already been removed from my XXXX and XXXX reports due to it has hit the 7 year mark. This account should no longer be listed on my Equifax credit report as well.
Product: Consumer Loan

I had to do a stop payment on the first installment loan due to no money in my account. The second time the company withdrew money from my account they charged it to my debit card. I did not know or discuss with them my debit card would be used. They said this was in the contract I signed. At this time I stated I did not authorize them to withdraw funds from my account in the future. They argued with me and barely let me get a word in. I told them I would pay via check or money order, they told me this was not an allowed form of payment I stated I would get a prepaid credit card because I do not like charges to my debit card without my prior approval. They stated in order to say they are not authorized to withdraw funds from my account I had to send them a notice in writing before my next due date. I stated that I would be sure that was taken care of but my bank had told me I could verbally do it also. The " supervisor '' I spoke to told me by my next due date I needed to have a letter to them stating this and a card number for how I was going to make future payments. 

Not even 30 minutes later I went to my bank to withdraw money and it stated I had insufficient funds, when I pulled up my online banking information I realized they had withdrew the entire amount left on my loan after I had verbally told them I did not authorize withdraw to my account and they had stated I had until my next due date to give them notice in writing and give them other payment arrangements. Due to the fact it is a VISA debit my bank states they can not decline the charge. If I file fraud through my bank it will take 6-10 days to determine and my account will keep going further in the hole with overdraft charges or returned check charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had a credit card with Bank of America. They closed my account without advising me or calling me in advance. I had automatic payments and when the closed it they also disengaged my automatic payment. Later they reported me late.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts that are reporting late on my credit report, I was never late on any accounts on my credit report. I wrote a letter to the 3 Bureaus Transunion, XXXX, and XXXX  on XX/XX/2019 and asked them to investigate and to please delete the error. 
They verified as accurate, which is impossible because I am certain I was never late, So i sent another letter on dated XX/XX/2019 and sent it certified with signature so I know it was received by XX/XX/2019. I asked for method of verification and proof of how the investigation was conducted and who conducted it. I never received any documents or what I had requested. I am asking for them to please delete the error or send me proof of how they came to the conclusion of how it verifies accurate. I would like some type of resolution.
Product: Credit reporting

first all of the major credit reporting agencies are reporting wrong information on my reports. they are incorrectly reporting wrong personal information, wrong account information, and credit inquiries I never applied. I have disputed all of these items, have sent all required information such as driver 's license, social security card and utility bills. 
a day or XXXX later I receive the same email asking for the same identical information. I faxed the same over and over. the fax confirmation tells me the fax went through " ok ''. 
I have not been able to get my credit reports for the last 12 years because they either ask for information that I have no idea about, or they tell me I am not eligible to receive my free annual report. I had to file for bankruptcy due to i.d theft, at which time they finally let me get a free credit report. I had a fraud alert on all of my bureaus prior to the I d theft, but yet someone was able to obtain fraudulent credit in my name and I was never notified. I asked the bureaus back then about this and their response was we did n't have the correct number to call you. if this was the case then credit should have never been granted. 
these credit reporting agencies are nothing more than a criminal element govern by finance companies. these credit reporting agencies should be investigated and penalized for violating people 's rights to contract as per the " fair credit reporting act ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

This company is not following the fair credit reporting act. I ask this company to attach the accurate information for the Bankruptcy on my this company keep saying it was verify. I never ask to verify that this information belong to me. CASE/REFERENCE XXXX my CASE/REFERENCE NUMBER is XXXX AND I BELIEVE THIS INFORMATION ISN'T ON THE CORRECT FILE. I simply ask to update and correct the information on my file that is being reporting inaccurately and nothing was done. Case number XXXX was giving to me and nothing was done. I am a XXXX  vet and I don't have a lot of money for a lawyer and I think this is wrong for this company to do this to people this is serving this country. I attached my name and social to show this discharge letter is not reporting accurately. I also showed how this company was reporting this after they sent me information saying they can't locate it but not this is was REMOVE and it's still being reported as verify i have proof this company is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file an official complaint against TransUnion for its failure to respond and take appropriate actions following my dispute letter. On [ Date ], I sent a letter to TransUnion to address the inclusion of alleged school loans on my consumer file, which I firmly believe to be in clear violation of several federal laws, most notably the Fair Credit Reporting Act ( FCRA ).

In my dispute letter, I specifically referenced the relevant federal statutes, such as 15 U.S. Code 1681, 15 U.S. Code 1681a ( 2 ) Exclusions, 20 USC 1232g ( b ) ( FERPA ), 5 U.S. Code 552a, and 12 CFR 1022.3, highlighting the necessity of obtaining written consent before reporting sensitive information on a consumer file. Despite providing compelling evidence and supporting documentation, I have not received any acknowledgment or indication that TransUnion has initiated an investigation or taken any appropriate actions.

As an informed and vigilant consumer, I firmly assert that credit reporting agencies must adhere unwaveringly to the highest standards of compliance with the law. The unauthorized inclusion of the alleged school loans on my consumer file infringes upon my privacy and consumer rights in a flagrant manner. I have diligently followed the proper dispute procedures, and TransUnion 's lack of response raises serious concerns about its commitment to regulatory adherence.

Therefore, I urgently request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter. It is imperative that TransUnion be held accountable for its non-compliance with federal laws, and that appropriate measures be taken to rectify this violation. I demand the immediate removal of the disputed information from my consumer file, and I expect TransUnion to diligently abide by the FCRA and all other applicable laws to ensure the accuracy and fairness of my credit reporting.

Enclosed, I am providing a copy of my original dispute letter and additional documentation, which I believe will be instrumental in your investigation. I have full confidence that the Consumer Financial Protection Bureau will treat this complaint with the utmost seriousness and work diligently to protect consumer rights.

I earnestly await a comprehensive and prompt response from the CFPB. Your attention to this critical matter is greatly appreciated. Thank you for your unwavering commitment to safeguarding the rights and interests of consumers like me.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax regarding the mishandling of my student loan accounts, referencing complaint XXXX. Equifax removed 13 student loan accounts after I requested that their status be updated from indeterminate to open. Equifax was already in violation for initially changing the status to indeterminate, but to completely remove the accounts after being informed that they are open is absurd and negligent. 

XXXX and XXXX continue to report these accounts as open, which is accurate. Therefore, I am perplexed and concerned as to why Equifax is furnishing inaccurate information. 

I am requesting that Equifax immediately update the status of these accounts to " open '' to reflect the correct information. Furthermore, I am filing this complaint seeking relief and monetary damages under FCRA Sections 616 and 617 for willful and negligent violations.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Experian on XXXX 2024. The dispute was opened on XX/XX/2024 and closed on XX/XX/2024. Nothing was changed on my report. I am wondering how in XXXX days and investigation was completed. I did receive any written paperwork regarding the investigation and what information they found to justify the account was 100 % accurate. The account was my Mortgage account with XXXX XXXX  account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account number XXXX n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXXXXXX XXXX Balanced {$310.00} XXXX XXXXXXXX Balanced {$1800.00} XXXX  XXXX XXXX Balanced {$990.00} XXXX XXXX XXXX Balanced {$58000.00}
Product: Credit card

I made a {$1100.00} payment on XX/XX/XXXX and made a second payment of {$1200.00} the next morning. As soon as I realized my mistake, I requested a payment refund check. Capital One confirmed the funds were available and would be pulled from my account and that they could not cancel my payment. 

I was told it would take 10 days to receive the check. After 10 days had passed, I called them and they informed me that it would now be 20 days! 

On XX/XX/XXXX, approximately 25 days after the Refund Check was cut, I still had not received my refund check and asked them to process a stop-payment on the check and cut a new one. 

I received the refund check on the XXXX and called Capital One to see if there was anything that can be done. They informed me that they could not see a stop-payment on my account and that I was to deposit the check. 

I deposited the check in the XXXX of XXXX and the check bounced on XX/XX/XXXX. I was given no prior warning that I was given the incorrect information regarding the check and only found out when the that was {$1100.00} in my account got pulled out ( due to a bounced check ). Capital One also never processed a new check to be issued or cut to me after the stop payment was processed. 

It is now XXXX and I still do not have my {$1100.00}. They are telling me the only solution is for me to wait an additional 10 days. It should not be the banks clients/customers responsibility to bear the negative repercussions of your employees mistakes and errors. 

Please help me reach a resolution regarding this and for me to get my funds back. I have been having to figure out how I will make mortgage payments, provide food for my family, and make payments for utilities and this is all due to the incompetence of their employees.
Product: Credit reporting or other personal consumer reports

Experian Credit Bureau Continues to violate my consumer rights by reporting XXXX XXXX XXXX on my credit report as having late payments. I have never been late on this account and I have continually disputed this account and Experian fails to verify accuracy of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am demanding deletion of all personally identifiable information from my consumer credit report with the exception of : 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
This is a demand that my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Georgia XXXX XXXX that was open for 1 month for a rental home I sold. They never sent me a bill for that month and then sent me to collections. The collections company, XXXX XXXX XXXX, claimed they tried to reach me. However, they would call and ask me my name and SSN without telling me who they are and I thought they were a scam. When we finally figured it out we paid immediately. However we never received ANY written notice and GA XXXX XXXX claims they sent us one bill. The collections agency, who never properly identified themselves reported this to company. I would like to see how to resolve this as neither the collections or Georgia XXXX XXXX were helpful.
Product: Credit reporting, credit repair services, 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 the identity theft.

This debt is not mine and I was given no evidence of this being valid.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

ASCENDIUM ED SOLUTIONS XXXX ASCENDIUM ED SOLUTIONS XXXX ASCENDIUM ED SOLUTIONS XXXX XXXX  XXXX XXXX   XXXX XXXX  XXXX
Product: Debt collection

My name is XXXX XXXX in XXXX of 2015 I went to XXXX company located on XXXX XXXX in XXXX, Ny. I got insurance from a broker from the company, at the time I had another quote for insurance some where else. I explained to XXXX what I needed, the broker stated she could get me cheaper insurance through XXXX and beat out the other insurance company I was going to. Ok fine, I like to save a little money so I went with XXXX. XXXX gave me XXXX as my insurance carrier. I paid the insurance to activate my policy in XXXX. In XXXX XXXX wanted me to proof household members. I signed XXXX different forms for progressive stating my daughters XXXX XXXX, and XXXX XXXX are not drivers. I had to sign the form for XXXX and then again for another person XXXX XXXX who I do n't even know. Ok fine I will sign these people do not drive my vehicles to keep the policy at a reasonable amount. Still with all that, XXXX kept e-mailing me and writing when the policy was due that I owe XXXX per month for insurance. I would call XXXX to let them know that XXXX is e-mailing me and writing stated my policy is more than what I agreed to. XXXX would say no, your monthly pay is XXXX dollars that is what I excepted when I went to them in XXXX of 2015. I would pay my premium with XXXX over the phone with my debit cards. Each month since XXXX I had an issue with this policy through XXXX. I called XXXX so much each month to report XXXX writing me about that policy I did not agree to. XXXX kept telling me do n't worry about it we will get it fixed. In XXXX XXXX said ok we are going to find you another policy because this is to much. They got me another policy through XXXX. I have had XXXX since XXXX 2015 and XXXX is still stating I owe them XXXX for the policy. First I never agreed to the policy XXXX was trying to give me. I never paid XXXX for any premium, I paid XXXX to them since XXXX 2015. I 'm writing you today because XXXX is sending me letters form R.M.S an collection agency for the remaining balance that I do not owe. I never signed any paper work stating I wanted the high policy. In XXXX I agreed to what I could afford for insurance. There is no paper work signed from me XXXX XXXX for a high policy. I have received two letters already for collection action against me. I have called and called XXXX to get this fixed. XXXX keep stating it should had been fixed already. I called XXXX again on Thursday XXXX, 2015 and told them that XXXX is still writing me about the policy and now the collection agency are calling my home leaving me messages daily about this action. I need help with this, because I do not owe XXXX anything. I do not want this on my credit report, I have enough things to clear up already. Today I called XXXX again spoke with broker, she is the one who I been dealing with since XXXX, 2015. Broker stated today she believes XXXX moved the collection on there end, but has not reach out to R.M.S to let them know to remove the {$1100.00}. She stated she has called Marketing, this person, that person to get this cleared. I very frustrated with this. I 'm still dealing with this issue since XXXX 2015.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.