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

Complaint Against XXXX for Reinserting Negative Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint against XXXX regarding their improper reinsertion of negative information on my credit report with TransUnionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I recently obtained a copy of my credit report from TransUnion and discovered that XXXX has reinserted negative information that I believed had been previously removed or marked as resolved. 1. Date of Negative Information : XX/XX/24 the date when the negative information was first reported ] 2. Nature of the Debt : Debt XXXX XXXX  on TransUnion partial account number XXXX XXXX. **Previous Resolution : information was disputed and deleted for not complete account number verification. Despite my efforts to address this matter, including [ mention any attempts to dispute the information, such as contacting XXXX or TransUnion ], the negative information has reappeared on my credit report. This has caused significant distress and has adversely affected my credit score and ability to secure credit. Under the Fair Credit Reporting Act ( FCRA ), I understand that creditors are required to ensure that any information they report is accurate and that they can not reinsert previously deleted or disputed information without proper verification. I believe XXXX has violated these regulations by failing to validate the debt and by re-reporting information that should not have been reinstituted on my credit report. Requested Resolution : I kindly request that the CFPB investigate this matter and take appropriate action against XXXX for their failure to comply with the FCRA. Additionally, I ask that my credit report be corrected to reflect the accurate status of this account. Thank you for your attention to this matter. I look forward to your prompt response and the resolution of my complaint. Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a loan with BRCLYSBANKDE. 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 both XXXX  and BRCLYSBANKDE with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2018 ), also I was never 60 days late ( XX/XX/2018 ), lastly I was never 90 days late ( XX/XX/2018 )
Product: Credit card

Thus is my second complaint and still waiting for result from first. Since then Discover has made me more unhappy. Right after the first complaint was made discover made a change to my account which I understand they can do anytime, that change was increasing late fee from XXXX to XXXX. I honestly do n't care about this change because in the 3 years i ve had my credit history I never had a late fee. Thing is me and my wife opened this cc on the same day, me having the longer and better credit history. My wife surprisingly has the higher credit limit. Then the second insult Discover did is offered my wife 2 % cashback at grocery 's stores. Why these XXXX things are insulting is because my wife did n't get the late payment fee increase and I did n't get this bonus. Discover your commercial says we treat you the way you treat you. If that is what ya really stand by then please explain me why with the XXXX things listed above do I feel like I 'm a very high risk customer to you based on all your actions thus far? Discover you really want me to treat you like high risk also by locking up your card in a drawer and not use it
Product: Vehicle loan or lease

There are 3 months reported late. I paid in time every month.
Product: Credit card or prepaid card

I used to have an American Express delta sky miles credit card which was cancelled by AMEX on XXXX XX/XX/2020 without letting me know the reason behind the cancellation. I had reached out to them several times regarding this matter, but they never gave me an answer on why my card was cancelled. Prior to account cancellation in XX/XX/2020, I owed {$270.00} which I refused to pay AMEX until they told me the reason for why my card was cancelled. I had stated that I will pay the amount only if they told me the reason. All I got from them is to contact different departments each time I called. They were just passing the ball all around the company. They started charging me late fees and interest on that {$270.00} balance from XXXX onwards and later moved it to collections for not paying and today the balance is {$500.00} as of XX/XX/2020. Now, this has affected my credit score tremendously. No bank can cancel a card without letting the consumer know the reason behind this. I want this fixed. I will pay the balance of {$270.00} that I owed for purchases I made, but I want AMEX to waive all the late fees and interest they charged me and also take this off my credit report as they cancelled my card without telling me the reason behind that. I have attached the cancellation notice they sent me on XXXX XXXX and it has no reasoning. Also, I never received any letter in the mail stating the cancellation reason. 

I don't have the card with me anymore. This is regarding Account Ending XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective emmediately. 
I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. 
Please help me delete these illegal accounts from my credit reports
Product: Credit card

I made a purchase on XX/XX/XXXX for {$110.00}. I have made payments. I am not disputing that some payments have been late. I'm disputing that I've been charged {$350.00} in fees since that purchase. With the payments I've made, I've actually paid {$390.00} since the date of this purchase in fees. This is exorbitant and unfair business practices. If I had that kind of money, I wouldn't need the card in the first place. I was able to get XXXX fees waived on XX/XX/XXXX totaling {$82.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding inaccurate and unauthorized hard inquiries on my credit report. Despite my previous attempts to resolve this issue, including a dispute with the credit bureau, the inquiries in question remain on my report. 
Disputed Inquiry : XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> Description of the Problem : - I have identified several unauthorized hard inquiries on my credit report. 
- I contacted the companies listed as having performed these inquiries, and they confirmed that they do not have any record of performing these inquiries and do not recognize me as a customer. 
- As a result, these inquiries are negatively affecting my credit score.

7. Legal Basis violation the credit bureau To the FCRA : - Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report.

- The relevant sections include : - Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must investigate disputes filed by consumers.

- Section 609 ( 15 U.S.C. 1681g ) : Consumers have the right to access information in their credit reports.

- Section 604 ( 15 U.S.C. 1681b ) : Regulates the circumstances under which a credit bureau can furnish a credit report.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Hello, the account ending in XXXX was opened under an address that is not on my file nor has it ever been my address. Additionally this account was opened XX/XX/year> meaning it has fallen out of the XXXX  credit statue of limitation of XXXX years. due to the incorrect information being reported my credit has suffered, at the hands of a mistake.
Product: Debt collection

My name is XXXX XXXX XXXX I'm XXXX XXXX years old I have been fighting for 7 years to remove this fraudulent information from my credit report. The three major credit bureaus Experian, XXXX, XXXX would remove both depts from my credit file after I would file a dispute the next month they would remove the two collections from my credit report and then put both back on. Take it off put back on my credit score has dropped now my Mortgage lender stated I'm no longer Approved, neither is my XXXX XXXX XXXX mother were buying a home together. Dear Sir it was not on my credit report when we first applied and approved. The company is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX, they have scared me and my Mother they keep threating me calling me from robot phones threating to sue me, and harassing me constantly for a XXXX XXXX Credit Card stating I owe {$960.00} account # XXXX. I never had a contract with this company. I keep disputing the information to be removed this so called dept is over 7 years old. The second collection company called XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX has just popped up again on my credit report was removed 3 years ago and is now placed back on my credit report this dept of collection is also over 7 years old which I have no knowledge of nor have I ever had XXXX XXXX Experian Account # XXXX These two collections have ruined My American Dream to become a Home Owner. I have never had a contract with these collection agency please help me to remove these collections from my credit report. Also there is an address I never lived at on my credit report that Experian refuses to remove ; XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I was apart of Breach with XXXX and XXXX when my information was stolen breach. I had to get a new driver license and everything.
Product: Credit reporting

I have ( 1 ) 30 days and ( XXXX ) 60 days late on my credit report. I 'm trying to re-fi my house, this loan has been paid in full and early. The company has refused to help me, the late payments were back in 2010. when payments were late we always called to get help from the company. They would refuse I was in between jobs but had always was on time.
Product: Mortgage

I sent a request for information to Select Portfolio Servicing ( SPS ) on XXXX XXXX, 2016 related to their assertion that they are authorized to service an alleged loan on my home. SPS did not answer all of the questions despite having requested this information XXXX previous times. This is be my forth time asking SPS for complete answers to a complete Qualified Written Request.
Product: Student loan

I am on an income driven repayment plan and am also working towards public student loan forgiveness at a 501 ( 3 ) c. I have XXXX/XXXX student loan debt upwards of 80k. I fill out my paperwork diligently, and call on a regular basis. When my payment went from {$170.00} to {$700.00} due to filing jointly on a tax return with my spouse, I utilized forbearance because our family could not afford this. When my loan came out of forebearance I submitted the correct paperwork online, and pulled my income over from the IRS website. When I called a few weeks later to see if my new payment form had been processed the lady informed me " Our online applications do not work. '' I had no correspondance that this was the case and that my application was not in the que to be processed, she told me to submit a paper form. I filled out the paper form and faxed it in like directed. Again, I waited a week or two and called to check up. Again this form was denied because they needed my tax filings. AND this gentleman told me the online applications worked just fine and did not know why the previous lady had told me that. SO, I faxed in my tax filings. I again, called to follow up. The gentleman said they had everything they needed, but also wanted to inform me my PSLF employment recertification was denied because the city and state was not listed on the form. Again, I was NOT informed of this denial. So I redid that form, sent it in. A day later, my IDR application was AGAIN, denied, because of some silly error on question 4 about whether I was still in forebearance or not. I 'm not sure if I '' m in forebearance or not because it had expired, and I was trying to get my new payment completed so I could begin to pay. Fed Loan DOES NOT communicate, or call, or inform borrowers of direct action to keep their account in good standing. I work FULL TIME and another part time job to keep up on our bills. It is a FULL TIME job keeping up with Fed Loan 's direct neglectful practices to attempt to put accounts into delinquency because they can not process papers in time or inform borrowers of direct action needed. Their employees give misinformation to borrowers who worked hard to get through schooling and make us jump through so many hoops that you ca n't even keep things straight. I would LOVE to file a law suit against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 - First certified letter was sent to Transunion to request physical verification of accounts annotated on credit report per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) XX/XX/2023 -First certified letter received by Transunion XXXX 

XX/XX/2023 - Transunion requested PROOF of ADDRESS with acceptable documents that was already included with first certified letter via CFPB XX/XX/2023 - Transunion requested PROOF of ADDRESS that was already included along with first certified letter via CFPB XX/XX/2023 XXXXSecond certified letter was received by Transunion XX/XX/2023 - Transunion has failed to properly verify inaccurate information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Transunion is required by federal law to verify, through the physical verification of the original signed consumer contract - any and all accounts posted on my credit report. I did not receive physical verification of accounts listed BELOW! 

Transunion has disregarded federal law and I demand these accounts to be deleted : Name of Account : XXXX Account Number : XXXX Name of Account : XXXXXXXX XXXX XXXX Account Number : XXXX Name of Account : XXXXXXXX XXXX  Account Number : XXXX Name of Account : XXXXXXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report 2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete for Violation 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. The following personal information is incorrect Account Number : XXXX : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX  XXXX XXXX This erroneous account has already been deleted from XXXX and needs to be deleted immediately. 
Account ( s ) : Recently, I did an Investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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.

Please remove the following items from my credit report, immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in the massive data breach from Experian/XXXX  were I just received a settlement pay, also, I received a letter from the FBI that my personal and financial information was found with someone who did not have my permission to use my social security information
Product: Debt collection

Resurgent Capital ServicesXXXX XXXX XXXX ( XXXX XXXX  ) I have requested information from the creditor due to a XXXX XXXX credit card ( XXXX XXXX ) opened in XXXX and closed in XXXX. I have not used this credit card since than. They are saying I owe {$700.00} when I only had a credit limit of {$250.00}. They have also said that I made a payment in XX/XX/XXXX when in fact I did not, because of this, this is re- aging on my credit, continues to be sold to different creditors. The negative re-aging debt on my credit report is changing the delinquency status of all my credit reports, I have filed dispute after dispute and nothing has been resolved. I request that the harassments of text messages and phone calls stop, and this debt fall off my credit reports.
Product: Credit reporting or other personal consumer reports

I have listed in the attachments how the reporting of this information is not fair and accurate. It violates of Fair reporting Act. You also stated this information was fair and accurate. The dates dont match. it's not reporting on all reports. This information is not correct and should be removed asap. Here are the accounts that need to be removed. XXXX. account number XXXX. date open XXXX XXXX XXXXXXXX XXXX Account number XXXX. date opened XX/XX/year> 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 dont 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.
Product: Money transfer, virtual currency, or money service

Cashapp closed my account with no warning or just reason and took my money. There is no way to contact a live person to resolve the issue.
Product: Debt collection

Hunter warfield is attempting to collect a debt on my credit report that I dont know of. I have never heard of Hunter Warfield and most definitely havent received a legally required notice or any form of communication from this unknown business or company. Hunter warfield has willingly parked a debt on my credit report stating that I owe an apartment community from the federally mandated COVID-19 crisis. I have no knowledge about this alleged debt and have never done business with hunter warfield and I want this account removed immediately.
Product: Debt collection

I have sent multiple letters to XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to validate several accounts being reported on my credit report and to provide me with copies of any documentation associated with these accounts, bearing my signature and that I formally request that this information be immediately deleted from my credit file under my Social Security number. I have also sent multiple Failure to Investigate letters with nothing being verified. The credit reporting agency claim the accounts were verified but did not furnish proof, these laws were violated 15 USC 1681s -2 ( b ) and 1692 ( g ). I also stated in my letter I do not consent to e-Oscar or any means of automated verification. They continue to update the credit file with continued negative information under my Social Security number. They have violated my privacy, I can not move nor can I apply for another job with this negative information being reported. The credit bureau has violated my rights by not properly investigating my dispute. I have not given them permission to put anything on my report. I want these accounts deleted from the credit file they maintain under my Social Security number. These are the accounts I have previously disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX