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

This unconfirmed accounts listed below continues to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is still showing in my credit report as " closed '' and " included in bankruptcy '' but the account should be deleted off my report because it is closed and is negatively stopping me from getting credit. The following five accounts are closed & included in my backtuptcy but still appear on my credit report. 

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

Update my personal information and delete the account with errors reporting to my Transunion report
Product: Student loan

Since being placed with University Accounting Services for my Stafford loan. There has been nothing but trouble. Last year they continued to report incorrect information to XXXX XXXX. I would continuously dispute it would be good and then the next month they report it again. Now the continue to add payments do in the same cycle after I pay. I called and the say it will be fixed and it is not fixed. I am concerned they are going to say I have a late payment which would be false. Lastly, their statements are not easy to understand they have random large interest charges then a bunch of reversals its like they dont know what they are doing.
Product: Credit reporting or other personal consumer reports

Money taken XXXX $ per month for XXXX years with little to no score increase
Product: Credit card or prepaid card

I made a purchase on a card with US BANK where I have 3 other balances on this specific card that are at 0 % interest. I have made well over, hundreds of dollars, over the minimum payment and yet the balance for the small purchase with interest still remains. My recent statement XX/XX/21 states that there is still a balance of XXXX on the interest accruing amount. The min on the last statement was XXXX, I paid and additional XXXX. There was a remainder of XXXX in the accruing interest balance, when the prior was only XXXX. I am not sure how that translates to still having an additional XXXX. I called and complained they did reverse 2 months of interest fees but the fact still remains that they are not adhering to current law when it comes to applying payments to higher interest balances first. That was an additional XXXX over the minimum which means that the whole XXXX sitting in the interest accruing balance should have been paid in full.
Product: Credit reporting or other personal consumer reports

I have sent in several dispute letters within the last month to Transunion requesting them to investigate, verify and delete unverified accounts from my consumer report. They have sent me a letter stating the disputes were not sent by " XXXX XXXX XXXX '' They were in fact sent by XXXX XXXX and the identity documents were provided. A social security card, Drivers License, Notary signature and a utility bill. There should be plenty of proof for this dispute to proceed without Transunion stalling the process and violating my rights. I ask this be expedited due to their negligence.
Product: Debt collection

Affirm is in violation of my natural rights as a person and I demand that Affirm rectify the unlawful reporting of a debt that is not owed to the company!!!! Ive contacted XXXX about removing the falsely reported debt from my consumer reports and they responded that they data furnisher verified the debt. XXXX nor AFFIRM have provided any documentation as to who owns the debt!!!! This is called Debt Parking by the FTC and is in clear violation of 15 usc 1692e and a violation of 15 usc 1692d because this type of false reporting is harassment!!! AFFIRM is also in violation of 15 usc 1692g. AFFIRM has not provided legal documentation according to the Fair Debt Collection Practices Act. These violations make AFFIRM civilly liable in the amount of XXXX per violation pursuant 15 usc 1692k.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX : {$12000.00}, XXXX XXXX XXXX Balance : {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the letter asking XXXX, TransUnion, and XXXX to investigate my account. Here is my tracking XXXX # XXXX XXXX XXXX XXXX XXXX, TransUnion # XXXX XXXX XXXX XXXX XXXX and XXXX # XXXX XXXX XXXX XXXX XXXX. 

It has been over 30 days and these consumer reporting agencies are in violation.

According to 15 USC 1681i XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

They also didn't even record the current status of the disputed information which is another violation. 

I have all the evidence attached below.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX  XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit card or prepaid card

New issue needing help. Chase continues to send me pattern letter responses and has failed to respond to my requests for contact due to the mis leading and deceptive practices to open new credit card. I have been treated poorly, mis informed and a victim of bait and switch from Chase Credit Card Services. Original complaint was filed and representative contacted me, took no time to hear my concern and just advised I would get a response. How can that be a diligent review and investigation.
Product: Debt collection

I am writing to file a formal complaint against One Main for continuous harassment and the unauthorized disclosure of my personal information, in violation of my legal rights. My name is XXXX, and I have been subjected to repeated and aggressive harassment by XXXX XXXX. This includes threats of lawsuits, and unwarranted phone calls to my family members discussing alleged legal actions against me. 

I have been a victim of identity theft, as substantiated by a police report I possess, which One Main has disregarded. Despite providing this proof, One Main 's representatives continue to disclose my personal information, including my address, over the phone. This conduct not only violates the Fair Debt Collection Practices Act but also endangers my privacy and security. 

Here are details of the harassment : Repeated Calls : I receive calls at inappropriate times, including nighttime, specifically from phone numbers XXXX and XXXX. 
XXXX to XXXX : My family members have been contacted by One Main, where my personal and supposed legal issues have been disclosed without my consent. 
Refusal to Provide Documentation : Despite requests, the agents have refused to provide any written documentation to verify the alleged debt or their claims. 
This situation has caused me considerable XXXX  and has unfairly tarnished my reputation among my family and peers. I am a responsible individual with evidence to support my claims of identity theft, and yet, I find myself battling baseless accusations and privacy invasions. 

I am requesting the XXXX XXXX  intervention in this matter to : Investigate the practices of One Main regarding harassment and misuse of personal information. 
Enforce appropriate penalties for violations of federal laws protecting consumer rights. 
Assist in stopping these infringements on my privacy and ensure such actions are not repeated.

Attached are copies of the police report, records of communication attempts from One Main, and other relevant documents to support my claims. 

Thank you for addressing this serious issue. I look forward to your prompt assistance and resolution. 

Sincerely, XXXX
Product: Credit card or prepaid card

This was an old credit card that i hav n't had for over 6 years. This account was 4 months over due back in XXXX XXXX i had lost my job and lost my grandmother and could not pay back then but its been pay now for a while. They reported to the bureau that they updated in XXXX XXXX. I dont understand why
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX and XXXX of XXXX Someone fraudulently applied for credit using my personal verifying information I have been a victim of identity theft since XXXX. I did not authorize anyone to open or attempt to open any accounts using my personal verifying information. I alerted the Credit Bureau to these fraudulent inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to dispute these inquiries, They sent out notification to the Credit companies but told me THEY DO NOT DISPUTE INQUIRIES, even if you have been a victim of Identity theft. Since then I've reached out to the companies that these inquiries were initiated thru and they also have not responded in a timely manner to remove these inquiries. Ive sent XXXX many documents that they seem to never receive. At this point these inquiries are damaging my credit report. Iam requesting the following items be removed from credit file and blocked from viewing for Identity theft or Fraud. 

XXXX XXXX THIS IS A FRAUDULENT INQUIRY XXXX THIS IS A FRAUDULENT INQUIRY US BANK THIS IS A FRAUDULENT INQUIRY XXXX XXXX XXXX THIS IS A FRAUDULENT INQUIRY I WANT THESE INQUIRIES REMOVED FROM MY FILE FOR FRAUD I DID NOT AUTHORIZE ANYONE TO APPLY FOR THESE ACCOUNTS USING MY NAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX Balance XXXX {$26000.00} XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXXXXXX Balance : {$300.00}
Product: Credit reporting or other personal consumer reports

.I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX but it is incorrectly listed as XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX while my credit report shows an outdated address of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I request that my current address be updated accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day. I am reporting the credit bureaus Experian, XXXX, XXXX about the Student loan reported on my credit report : They have not followed the laws/CFRs Family Educational Privacy Act XXXX Privacy Act of XXXX 16 CFR 433.1-Definition. I am the consumer. Money purchase loan NOT a Educational loan 16 CFR 433.2- I am able to assert my rights at ANY time.

16 CFR 433.3- Who is exempt? Consumer application was done after XXXX, it applies. 


DPT EDXXXX XXXX Experian XXXX Account XXXX : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Educational Educational Educational Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3100.00} {$3100.00} {$3100.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$3000.00} {$3000.00} {$3000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees. 
Consumer disputes after resolution Student loan Date Last Active : XXXX XXXX XXXX  Date of Last Payment : XXXX XXXX XXXX  BELOW attached are the additional accounts I requested they remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Reccently, I did an investigation on credit report which caused me to XXXX XXXX XXXX XXXXXXXX upon finding out that unverified, invalided, and inaccurate information is on my report. I want my report to 100 % right. 

In accordance with the Fair Credit Reporting act Convergent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us Dept of EducationXXXX 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 Thank you very much for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Mortgage

Nationstar Loan # # XXXXXXXXXXXXProperty : XXXX XXXX XXXX XXXX . 
XXXX NC XXXXRE : The Short Sale Lender has Address incorrect in their system and will not correctWe have requested a correction to address and sent in supporting Nationstar documentation that reflects the correct address. Nationstar Deed of Trust, XXXX County Legal Tax Record and Nationstar Mortgage Statement. It is imperative to the XXXX Attorney & XXXX XXXX to have the correct address reflected for consistancy for the borrowers protection and future liability. We need you help enforcing these title corrections. All of the Nationstar correspondence has the correct address. No manager no escalations will help us. Once we convey the property, no insurance, no title nor coverages will be valid with this incorrect Nationstar data entry. CUSTOMER SERVICE WILL NOT PROCESS THIS XXXXXXXXXXXX - XXXX XXXX XXXX. 
XXXX XXXX ( 13 days ago ) Your " REPLY '' will be sent to XXXXXXXXXXXXHello, The address has to be corrected via customer service. I can not change the address. Customer service will require proof of the incorrect information and verification of what needs to be corrected. The original loan documents were accepted with the error. 
The number to customer service is XXXX XXXX XXXX. XXXX Foreclosure Prevention Specialist XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts off my credit profile from XXXX XXXX XXXX, Equifax. Immediately. 
XXXX  XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to the account opened on XX/XX/2016, I am writing this letter to offer you the opportunity to settle the alleged amount owed to our mutual benefit. Please note that I do not acknowledge any liability for this debt in any form, and I retain my right to request full and complete debt validation from your company. 

However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions : Your company will delete all references to this account from my credit report at the three credit reporting agencies ( XXXX, Equifax, and XXXX ). 
You will not list this debt as a settled account. 
Your company will accept this payment to satisfy the debt in full. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to outside third parties. 

If you agree to these terms, I will : Pay the amount of {$500.00} via money order or certified cashiers check or e-check by phone. 

Please understand that this is not a renewed promise to pay. This is a restricted settlement offer and you must agree to the terms above in order for payment to be made. I require your written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements. 

While Im well aware that your purpose is to collect debts that you have obtained from original creditors, I am also aware that you are under no obligation to report any of these accounts to the credit bureaus. 

That being said, your full cooperation in deleting this account in exchange for payment is appreciated. 

The terms of this offer will expire after 30 days. I look forward to your prompt and positive response. 

In the event that you do not agree with the resolution terms I have offered above, I will move forward with my rights to request a full and complete verification and validation of this debt. 

I am also requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and a copy of your license to practice debt collection in my state. Additionally, I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. 

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

In Accordance of the Fair Credit reporting act.The account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy And according to 15 USC 1681eb they are supposed to ensure this 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.

15 USC 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 7 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: Debt collection

I disputed an Collection on my credit report back in XXXX of 2016. Both XXXX and XXXX both removed the item from my credit report. After a month later, the collection showed back up on my credit report. It was now under a different Collection Agency name. With a slightly different amount. I contacted the Credit Agencies, and was told that I needed to dispute the amounts again. This time, the results of the dispute came back as the item belongs to me. 

I was only able to upload my letter from XXXX showing the removal of the collection. The XXXX removal is connected to my XXXX XXXX account. Which I am unable to upload.
Product: Credit card or prepaid card

I ordered some XXXX masks XX/XX/2020 in case we needed a few of them at work. I am the XXXX XXXX XXXX for a XXXX XXXX  I work at in XXXX, ID. 
XXXX charged me {$49.00} for only five masks. The Chase Visa Card transaction date was XX/XX/2020. This was during price gouging time and people were fearful with the beginning of the Covid19. I went ahead and paid the money, but still have not received the masks. Order number was XXXX. I have emailed them with no response. I have called them on XX/XX/2020 and the number is not valid according to the automated system. 

I contacted the Idaho Attorney General Office with the above complaint on XXXX also disputed the charge and sent Chase Card Services the information I sent to the Idaho Attorney General. XXXX at the Idaho Attorney 's General Office is still unable to receive any response from this company. Tonight I discovered many complaints about XXXX, on the following website XXXX XXXX XXXX I received a letter last week from Chase Credit Card Services saying they see no error in this charge and the charge will remain on my bill. I believe Chase Visa is blatantly disregarding their own credit card policy. I also believe they know I have been scammed. I pay off my credit card bill every month, and for them not to credit my account is dishonorable! 

I called the Chase Credit Card Company at XXXX on XX/XX/2020 at XXXX hrs after waiting on hold for 46 minutes. When someone finally answered the phone, she said her name is XXXX. She was insolent in her demeanor, spoke over me, and yelled at me and said WHAT IS IT YOU WANT? This was not good customer service and she was unwilling to listen or even attempt to resolve the problem.