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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proof you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

1. The status is incorrect for the following account XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

2. This account has been settled and paid. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The status is incorrect for the following account XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. XXXX XXXX Account Number : XXXX This is my SECOND ATTEMPT to remove inaccurate late payment remarks from my report. Please stop your stall tactics and comply with my request for removal of the inaccurate information as it is a BLATANT VIOLATION of my rights as a consumer under federal law. XXXX XXXX Account Number : XXXX The following account has been listed as having late payments, pursuant to 15 USC 1666, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Please update the account as I have not been late on any of these payments.

* Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Sup
pression to my credit file. 


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

I submitted the attached police report to all  XXXX  credit bureaus notifying them that I was a victim of identity theft and that the  XXXX   XXXX   XXXX  account ending in  XXXX  that was reported as a charge off on my credit report with a balance of {$1500.00} was the result of a stolen credit card. I asked that this account be immediately removed from my credit file ; however, both  XXXX  and Experian have refused to remove stating that   XXXX    XXXX   XXXX  has confirmed that the charges are correct. I have attempted to follow up with   XXXX   XXXX   XXXX   XXXX  directly but every time I call in I am given the run around. Numerous agents have confirmed that not only are the charges fraudulent but nearly 75 % of the balance that is being reported is the result of their own late fees and interest charges assessed after I initially alerted them to the fraud on my account back in  XXXX   XXXX . It is my very strong belief that this balance is an attempt by  XXXX   XXXX   XXXX  to extort money from its customers and that the resulting charge off was an act of retaliation by  XXXX   XXXX   XXXX  as I have refused to pay any and all of this {$1500.00} balance. As evidence of this fact, since closing the account in  XXXX   XXXX ,   XXXX     XXXX   XXXX  has refused to further investigate the fraud claims made on this account, even porting the account balance ( without the actual transaction histor y )  to another account number in order to mask the poor account management that has taken place here and continue to report this account to my credit report after I provided documentation with the credit reporting agencies as proof of the fraudulent activity on this account. Further, through the end of  XXXX   XXXX   XXXX   XXXX  management refused to answer any of my numerous inquiries and attempts to remove this account from my credit report. Again as evidence of this fact, I filed a Better Business Bureau complaint in  XXXX   XXXX , which also went unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 XXXX XXXX XXXX reported to credi bureaus 30 day late. This is incorrect. Please provide proof.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX This has cause me great XXXX, stress, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent TransWorld system a validation letter in regards to a collection account that was on my credit from them that was unfamiliar to me. TransWorld failed to respond or put my account in a disputed status within 30 days .... Per FCRA regulations all accounts must be placed in a disputed status within 30 days from the date of receipt ... Per my certified united States postal service mailing receipt TransWorld Systems received my letter on XXXX XXXX, 2017 ... As a result of a direct violation of FCRA, and also failing to respond I ask that this account be removed immediately and not sold to any other company ...
Product: Credit reporting or other personal consumer reports

15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Product: Credit reporting, credit repair services, or other personal consumer reports

This uncertain account listed below continued to report on my credit report regardless of 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 this account to be verified ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$19000.00}
Product: Credit reporting

On XXXX XXXX 2016 I checked my credit on XXXX and had a total of XXXX hard inquires removed from my report. I checked my account again on XXXX XXXX 2016 and all XXXX hard inquires were placed back onto my account without sending me a reinsertion letter as required by fcra section 611. I have called Transunion at least once a week since then to try to get this issue resolved and have received no help, no one will transfer me or connect me to an American representative or the fraud department, multiple agents have even been belligerent, some have even told me they know what happened but it 's basically too bad and that I should just file a complaint because they will not fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute to XXXX XXXX in the middle of XXXX because I have late payments on my credit score from the beginning of the covid pandemic. Those late payments were not suppose to hit my credit report. XXXX XXXX had a relief program at the during the first 10 months of the year in which I signed a document stating that the months would go towards the end of the loan-term period. However, I am still seeing the late payments from the deferred period and this is impacting my payment history.
Product: Vehicle loan or lease

Loan Opened XX/XX/XXXX XXXX amount {$11000.00} Balance due {$9200.00} Company King of Credit and XXXX Auto Sales On XX/XX/XXXX I went to XXXX Auto Sales to purchase a vehicle and was given this loan for a XXXX XXXX XXXX. For about XXXX weeks the car was running good and without any warning the car shut off in the middle of they highway. I contacted XXXX Auto Sales as well as King of Credit to report the issue. The car was picked up for repairs and after a week I was told to come retrieve the vehicle as it had been repaired. To my surprise I continued to have the same problem over and over for the duration of the time I had the vehicle in my possession. After requesting for the XXXX time that the vehicle be picked up for repairs, no one showed for XXXX weeks to get the vehicle. Once someone was sent out to retrieve the vehicle for repairs for the XXXX time, I was informed hat my warranty had expired and I would have to pay for the hybrid battery to replaced out of pocket. I reported each time the car was picked up that the hybrid battery needed to be replaced, but it hadn't been done. Once I refused to pay for the repairs, I was informed that it would be considered a repossession and placed on my credit report as a negative mark.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these 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 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 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
Product: Debt collection

This company began calling me on XX/XX/2019. At first they left me a couple of messages and since then all they have done is call me repeatedly. The phone calls start as early as XXXX XXXX, no matter the day of the week and as late as XXXX. They have called me sometimes 7 times in one day and I am now getting texts and even XXXX messages from people that I don't even associate with, asking me if I have put their names down as a reference or something because they are also receiving multiple phone calls from this company. One person I haven't had any actual contact with in almost 15 years! This week they have started calling me at my workplace and they call there multiple times a day as well. They have even asked the receptionist personal questions about me. My phone company has tagged them as a " spam risk '' so I don't even know if they are legitimate. I feel as though I need to block the number but that will not stop them from calling my workplace and other people they feel I am in touch with.
Product: Credit reporting or other personal consumer reports

Equifax has been breached and they refuse to delete these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete this from my credit reports immediately. 

I am stressed and displeased that there has been no removal of accounts on my credit report. This is really damaging my credit worthiness. I'm trying to buy a house for my family and this is not fair. I have tried several of times to get these accounts removed. Let alone my information was in a XXXX & Equifax breach some months ago so I thought you guys would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX Dear Navy Federal Credit Union, I hope this letter finds you well. I am writing to humbly request your consideration for a goodwill adjustment regarding my account and the late payments that occurred during XXXX and XXXX of XXXX. 
I understand the importance of maintaining a good payment history, and it is with a heavy XXXX that I find myself in this position. Unfortunately, during that time, I faced a series of deeply XXXX  personal events that severely impacted my ability to meet my financial obligations. 
In early XXXX, my mother, who had been battling a XXXX XXXX for several years, experienced a significant health crisis that required my immediate attention and care. The situation escalated quickly, leading to a hospitalization that kept her in critical condition for weeks. As her XXXX XXXX I found myself torn between managing her medical needs and maintaining my responsibilities at work. The overwhelming stress and emotional toll of watching my mother suffer was indescribable. 
To make matters worse, shortly after my XXXX XXXX XXXX, I was involved in a XXXX XXXX XXXX while rushing to the hospital to be by her side. The XXXX XXXX XXXX XXXX XXXX XXXX that made even the simplest daily tasks feel like XXXX  challenges. During this time, my focus was solely on family and recovery, and as a result, I fell behind on important financial commitments, including my payments to XXXX XXXX. 
I take my credit obligations seriously, and it pains me to have these late payments on my record. Thankfully, my mother has since shown signs of recovery, and I am in a better place both emotionally and physically. I am now ready to stabilize my finances and commit to paying off my account in full. 
Given these circumstances, I kindly ask for your understanding and support in removing the late payment marks for XXXX and XXXX. This goodwill adjustment would not only help restore my credit standing but also alleviate a significant burden as I work to rebuild my life after these trying months. I assure you of my continued commitment to timely payments moving forward. 
Thank you for considering my request. I appreciate your understanding and compassion during this difficult time. I look forward to your positive response and hope to continue my relationship with Navy Federal Credit Union. 
Warm regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX 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 719 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. 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 XXXX and XXXX and XXXX XXXXXXXXand she was very rude she called me a XXXX on XX/XX/2022 this is very absusive she needs to be firedis very abusive to me and made me cry they dont understand how they are casuing extreme XXXX i never knew XXXX allows this typre of behavior she doesnt even recingized i spoke to her a week ago and you XXXXn doesnt do there job what so ever and i spoke to another rept 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 tone negative item negative credit items outstanding negative inquiries 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 n 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 49 times. XXXX is an abusive company they ignore me and wont help. They are supposed to be protecting consumers and abusing consumers. They need to be reigned in. they are causing me severe XXXX and now my credit isnt reporting correctly stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.i even provided a tracking number XXXX proving that they recieved the document to remove these items and nothing still hasnt. been done its been more then 60 days i need help
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX Check into cash XXXX XXXX tn XXXX granted me a loan which is paid off now .i was told that it would be a soft hit on my credit report i dont know why they hit it again in XX/XX/XXXX since they already hit it in XX/XX/XXXX ... Anyway i check my credit report last nite and it said check into cash CHECK INTO C XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX hit my credit report twice and hard it lowered my score badly - the person working at the time explained everything to me and said it was a very soft hit and to sign here i did. .I call the address above today it is the corp office and told her i disagreed with what they did all she was going to do is send me a copy of what i signed she ask me the name of the person that told me that but the people that worked there no longer works there any longer - My husband was standing beside me when i ask and when she told me it was a soft hit to my credit anyway she said that she would not remove it - i do not think it is fair and i told her that i was going to warn others i already told my husband he needs to check his report and stop going in there. personally i figure the reason they are hitting peoples credit report so hard is so they can ruin peoples credit and they will keep coming back in there and getting loans. 
Is there any way you can get it removed from our credit report? Please
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX on XX/XX/XXXX and spoke its representative, XXXX, at telephone number XXXX. She reviewed the account stated that she would send me the loan information by mail including the promissory note. I informed her that I had submitted a CFPB complaint in XXXX and XXXX and had received responses from XXXX stipulating the loan was put on hold due to a bankruptcy lawsuit in XXXX. She mentioned that the loan was initially {$7000.00}. It has ballooned to {$18000.00} since it has been on hold in XXXX 's bankruptcy lawsuit by other plaintiffs. XXXX also mentioned that the forbearance interest grown within that 9 years should've been assessed based on the filing of bankruptcy by the borrower, and I have never filed for bankruptcy. 
XXXX has not explained why it put this account on hold for 9 years on a bankruptcy lawsuit hold and allowed it to grow in high forbearance interest. 

XXXX with XXXX on XX/XX/XXXX told me that she would send a credit retraction to the credit bureaus after collecting {$1200.00} from me to bring the account up-to-date -- after I had not been informed of when the account would be out of the bankruptcy lawsuit hold that XXXX placed the account in for 9 years. XXXX debited the {$1200.00} from my bank account but has apparently deleted the record from their system of XXXX XXXX  planned credit retraction with the credit bureaus based on my conversation today with another XXXX representative. 

I have been getting the runaround from XXXX 's Customer Advocate, XXXX XXXX, XXXX. I have several email communications with her where she instructed me to call her at a given number, but upon my call, she was not listed in the XXXX system by the name she provided ; so the representative initially could not find her ; after several attempts by the XXXX rep, he was able to contact her, but she would not take my call on that day. She responded to my email stating she had technical problems but gave me a time and date she would be available to call me, but, again, she did not call me on the date and time she selected. I sent her another email about missing the appointed time/date ; she emailed me back and gave me the same story about technical problems. This has been going on for XXXX weeks with XXXX XXXX avoiding my calls or blatantly and deceptively giving me the runaround. XXXX XXXX and XXXX are acting like they are above the law. And after being sued by multiple plaintiffs and after a XXXX state attorney generals lawsuit and settlement for predatory lending practices, XXXX continues to behave in a disreputable manner. XXXX through its representative, XXXX XXXX, are abusing their power as holder of this forbearance loan. They have not retracted the late status with the credit bureaus as promised after collecting a payment from me for {$1200.00}. I would like this published widely and for the record. The credit bureaus should do a credit retraction of XXXX 's late status on my credit report. XXXX should be held to account for this financial abuse and should not be allowed to punish people for filing a CFPB complaint against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft fraud, and my attorney has submitted several disputes to the credit reporting agencies along with proof that the accounts and bankruptcies were fraudulently filed in my name. They have yet to delete any of the accounts, and the BK Filing. They are holding me hostage to a debt that I did not create. I have been disputing the fraudulent bankruptcies for over three years now, and still no changes. I need help assistance immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted all the required information and proper legal identification regarding my personal name and my current and existing address to XXXX and Transunion as well as XXXX, and all 3 bureaus refuse to update my personal information, since certain collections are either linked to aliases or phony addresses. All the bureaus refuse to acknowledge my request disregarding the proof submitted and none have the same reporting information or credit score to match with one another.