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

I contacted the creditors individually and asked why these inquiries where on my credit report without my authorization they said they would have them removed but I yet to see anything removed 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
Product: Credit reporting or other personal consumer reports

none of these items is mine my whole life has been affected by this i can not buy a home for my family or apply for a morgage due to this disaster!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX XXXX, XXXX, through XXXX XXXX, XXXX, I have tried to continuously get the information that is being reported as not paid and requested for validation of the debt, however, no one has responded to me other than to say I have to contact another firm, who never responds to me. 

I wanted to resolve this as I do not believe that I owe this, however, I ca n't get any information or assistance.
Product: Credit card

opend acct and got card on XX/XX/year>, had problems since day 1, they constantly marked purchase as fraudlent, evan when proved they werent, come to find out e-gift werent allowed, took 3 days of calling to find that out, and then closed my card
Product: Debt collection

i see a fraudulent account added in my report. Kindly remove it as soon as possible. Thank you. 

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

First, I have other pending complaints regarding some of the same issues which I soon will list below. However, I am submitting this complaint here because Experian 's reason for denying my claims appears that the issues of my complaint were not clear.   In order to clarify my issues/complaints, these are now the current issues  :   1 )   XXXX   XXXX   XXXX  action requested : To remove the Comment " Account previously in dispute-investigation complete, reported by data furnisher.  '' 2 )    XXXX   XXXX  -action requested : To remove the  Status adv isory " This item was updated from our processing of your dispute in  XXXX   2015 . ' ' 3 ) P ersonal statements you 've asked us to include-action requested : To remove the following statement " FILE FROZEN DUE TO STATE LEGISLATION. '' I want continue with the security freeze, but I never requested/authorized that statement to be added to my credit report.
Product: Credit reporting, credit repair services, 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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Date Opened XXXX XX/XX/15 Balance : {$270000.00}
Product: Credit card

Comenity bank claims I did not make a payment of {$41.00} on XXXX despite the fact it was processed through my bank, XXXX XXXX XXXXXXXX and paid to them. I have sent a copy of the check XXXX sent as well as a print out of the on line transaction showing the {$41.00} deleted from my account to pay XXXX XXXX credit card. I paid the bill on line through my XXXX XXXX XXXX account. I have called multiple times over these months and have had no resolution. I even went to the bank and did a three way phone call on XXXX with XXXX and Comenity to no avail. I dont understand what else I can do. They continue to send me letters and bills with ever increasing late fees. I feel I am being harassed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an account from my credit report as reported by all three credit bureaus. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for $ XXXX XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable.Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

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

I recently challenged the validity of XXXX XXXX XXXX account thats being reported on my Experian credit report. After challenging this collection with XXXX. The account was subsequently deleted and removed based on the lack of ability to verify the accuracy. I noticed as A result of challenging this account with Experian you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as stated under the FCRA. 

If the account isn't removed this will indeed result in small claims legal action against Experian at my local venue. Without hesitancy, I would be seeking a minimum of $ XXXX per infraction per reporting cycle in a suitable rectifying and remedial setting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reporting 's ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA XXXX my States credit reporting codes or else wise to include the requisites to have only true, correct, and complete recordings in utilization of the XXXX XXXX data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing of the account. Your response should not be " The account is not on your report ''. My report has been refreshed and as of today it is. See attachment.
Product: Credit card

My ex-husband and I divorced XX/XX/year>. I am still an authorized user on his Southwest Chase visa which still appears on my credit report. In XXXX, I called the number on my credit report ( Southwest Chase Visa ) and they said I can not remove myself as a user- he needs to remove me. I asked him to remove me and that still has not happened. Can you help remove me? The credit card is in good standing and he has made all the payments but I have zero control over it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an dispute for an account in the amount of XXXX XX/XX/2023 and never got a reply. It is now XX/XX/XXXX and I still haven't heard from anyone. Any help is appreciated thanks
Product: Credit card or prepaid card

Hello, In late XX/XX/2021 our credit card ( joint account with my husband ) was closed in error. Please see the attached letter we received from BECU. We were told via telephone by a BECU representative this was due to an unknown error on their part. We were assured that this error would not cause any damage to our credit and would be resolved immediately. Unfortunately, this is not the case. Our credit scores dropped significantly by this costly mistake and even though we have disputed this account closure with the credit reporting agencies it has not helped. We'd like to know what BECU can do to rectify this situation. I appreciate your assistance in this matter and look forward to hearing from you soon. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft.  A current XXXX, XXXX and XXXX credit report reveals that a fraudulent application was submitted to TD Bank with his information that resulted in an inquiry XX/XX/XXXX that he did not authorize. An official dispute was set to TD Bank XX/XX/XXXX however a current credit still shows this fraudulent inquiry is still listed which is a violation of the FCRA.
Product: Credit card or prepaid card

I am a XXXX - year- old senior citizen who has been severely taken advantage by XXXX They used deceptive sales tactics to convince me to pay a hefty amount of money. I have come to realize that he knowingly and falsely promised me services he knew would lead nowhere and prove to be unsuccessful. 

He was talking about web hosting etc ... he said he would use keyword phrases that would put my website visibility in XXXX front page, even though I mentioned I had little experience or working knowledge of websites. However, the representative very adamantly insisted that I didn't need to have too much participation, because everything would be handled for me and it would be very easy to be successful. That has not been the case. 

The contract also states something about visibility listing scores yet when I search the company name nothing comes up unless a parenthesis is added. That is not the way anyone would go about searching. 

All I know is that I was coerced into paying for a very basic service, not at all the way it was described to me, what I paid for is not what I expected. I would like a refund of my money.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to address a concerning issue regarding late payments reported on my credit report. Upon careful review of my credit report, I have discovered discrepancies in the reported late payments and am seeking your assistance in promptly correcting or removing these inaccuracies. 

Regarding the account with XXXXXXXX XXXX XXXX XXXXXXXX ), I wish to clarify that this account has never been late. The reported late payment is erroneous, as all payments were made on time. Data Furnisher said they were going to update it to open/never late. Please fix ASAP. 

Similarly, concerning the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) account, I want to emphasize that this account has never experienced late payments. The reported late payment is inaccurate, as payments were consistently made on time. I kindly request that the late payment markings be updated to accurately reflect my payment history, and the bank said they were going to update it to open/never late. Please update ASAP. 

Recognizing the importance of maintaining accurate credit information, I am committed to resolving this matter promptly. I kindly request your assistance in investigating and correcting these inaccuracies at your earliest convenience. Enclosed, please find supporting documentation validating my claim and providing evidence of the incorrect reporting. With your expertise, I am confident that we can rectify these discrepancies efficiently. 

I kindly request that you initiate an investigation into this matter and promptly inform me of the results. If the late payments are found to be accurate, I request an explanation of the findings. However, if they are determined to be inaccurately reported, I request immediate correction or removal from my credit report.
Product: Checking or savings account

I run a small business in Florida doing water damage restoration. As a result 90 % of our are paid in checks from home owner insurance policies. In the last year I have lost several employees because Bank of America just freezes my account with every deposit. When asked about the answer is always that the issuer of the check has multiple returned checks. The issue I have with that is literally every insurance company in the state of Florida would have this problem since theyve held checks from XXXX XXXX, progressive, citizens, heritage, just to name a few. This is creating a problem because every time I hire people I end up loosing them because of delays with their paychecks. If I was losing them because I didnt have the money is one thing however when the bank is constantly holding up funds creating this problem it gets annoying. Can someone please look into this
Product: Vehicle loan or lease

I have a loan with NAVY FEDERAL CR UNION. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, NAVY FEDERAL CR UNION with no successful resolution. XXXX, XXXX, XXXX  reporting me late. There was definitely an error on their part
Product: Money transfer, virtual currency, or money service

SSI was to put my monthly cash on a Direct Express card, I was really supposed to have the money go into my checking account. SSI messed that up totally! 
However, they said they mailed me a direct express card, i never received it!! All of my bills are past due, and if someone finds the card, they will have my SSI for the month!! 1 I attempted to call Direct Express for 2 days, I WAS ON HOLD FOR OVER 8 HRS TOTAL!!!!!!!!!!!!!!!!!!!!!!!! 
AND DISCONNECTED SEVERAL TIMES!!!!!!!!!!!!!!!!!!!!!!! 
NOW, MY MOTHER LITERALLY JUST DIED ON XXXX XX/XX/XXXX, I AM ALREADY AN ABSOLUTE XXXX, NOW THIS TOTAL XXXX TO BOOT????????????????? 
DIRECT EXPRESS SHOULD BE SHUT DOWN, THEY ARE XXXX, AND DO NOT HAVE ANYWHERE NEAR ENOUGH PEOPLE WORKING THERE!!!!!!!!! 
I NEED THE CARD NOW, I CAN NOT WASTE ANYTIME BY GETTING A NEW CARD, MY CAR INSURANCE IS PAST DUE!! A STATE REP TOLD ME THAT THEY WOULD OVERNIGHT A CARD, THEY WERE TOTALLY WRONG, THEY SAID THEY CAN EXPEDITE ONE IN 3 DAYS BUT WANT TO CHARGE ME {$20.00}!!! I BARELY GET ENOUGH MONEY TO SURVIVE AS IT IS. I WANT IT SENT TO ME FOR FREE, AND I NEED THE TRACKING NUMBER OF HOW IT WAS SUPPOSEDLY SENT TO ME, THEY HAVE NO CLUE WHAT THE TRACKING NUMBER IS!!!!!!!!!!!!!!! 
HELP!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Debt collection

The above company last year managed to take my tax return for themselves. They claimed during my time in the XXXX I ran several grand on a credit card with them at XXXX XXXX, GA. I disputed the debt ; I pointed out the date and time they claimed ( IN WRITING that I still have ) was impossible, as I had been discharged 11 months prior to the first purchase. This debt was claimed to be from XXXX ( Eight, now nine years? ). They never followed up on this and I was left to assume it would no longer be a problem and eventually forgot about it. Until recently I found they had managed to take another tax return. I was under the impression you had to take someone to court to take a tax return? I have never been to court with them. Calling them yields nothing as they claim I have not disputed the debt ( I have the paperwork still ). A lawyer would cost more then I can afford but at this rate it may cost me less to buy a lawyer then to deal with these people further.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX stated I opened an account with them on XX/XX/2017. I never opened an account with XXXX XXXX on XX/XX/2017. I have asked this company to provide signed application, copy of drivers license and they have refused to do so. This is identity theft, and I want this fraudulent account remove from my credit file. I have also asked Equifax to remove and investigate this account, and they have refused to do so. Im not sure why Equifax is allowing a company to report fraudulent accounts to my consumer credit file. Please send me copies of where I signed credit card receipts since XXXX XXXX XXXX XXXX is saying I owe { {$1700.00} }. The Fair Credit Reporting Act, 15 U.S.C. 1681 is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Equifax is not following The Fair Credit Reporting Act and I want something done about it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting or other personal consumer reports

XXXX from online information services open XXXX XXXX. The original company removed it and now its showing back XXXX  years later. On XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to your company indicating my dispute of information in my credit report. Transunion has not responded to my dispute and therefore must update my credit file. The bankruptcy you are reporting on my credit report sounds very inaccurate or deceptive. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Kindly repair the accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my EXPERIAN credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

On XX/XX/XXXX I sent a certified letter to the 3 credit bureaus with regards to TransWorld System Inc. My specific complaint was the re-aging of the account. The original creditor is XXXX ( XXXX XXXX XXXX ), they are the local electric company. 

This debt has been paid. Neither the collection agency nor the utility company dispute this fact. 

I contacted XXXX and was told the original date of delinquency dated back to XX/XX/XXXX. I explained to XXXX that the creditor was still reporting this file beyond the 7 year statue of limitations. XXXX instructed me to contact Tranword System. 

I contacted Transworld system and was told to challenge the inaccuracy on the report. I explained to Transworld I had already done so.

Transworld sent me a copy of the last bill XXXX billed me for, dated XX/XX/XXXX. 
I explained to the Transworls agent, and several supervisors, that XX/XX/XXXX was the LAST date of delinquency and not the first. I was then instructed to call XXXX to get proof. 

I called XXXX and spoke with several layers of supervisors. I explained that Transworld was reporting an incorrect date. They said to talk to Transworld. I asked XXXX to please send me copies of all my statements as proof that the original date of delinquency occurred in XX/XX/XXXX. XXXX agrees with my date. However, I was told that XXXX did a computer update XX/XX/XXXX. I was told my request was impossible as all statements of charged off account prior to XX/XX/XXXX have been permanently purged. 

I'm stuck in a vicious circle of the original creditor and the collection agency both pointing the finger at XXXX another. 

It is my understanding that the collection agency must verify this information. Transworld does not seem to want to take the time to understand my specific complaint. It appears all I get are computer generated templates. 

Sending me a copy of the last bill XXXX has ever sent me is terrific. It's not what the complaint is. The complaint is SPECIFICALLY the date of first delinquency of XX/XX/XXXX. 

Can you please help me resolve this and if needed can you guide me on how to sue this collection agency. Thank you.