23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : 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 I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " XXXX ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX
Product: Credit reporting

I attempted to get my " annual free credit report '' from all three companies online. I was denied, online, by all XXXX. I printed the form and legibly filled it out with my information, I also copied, clear and legibly, my Utah Drivers Licence, US Passport, Employee ID ( with photo on a debit card ), Social Security card, Birth Certificate, utility bills & pay stub. The exact same " package '' was then mailed to all three credit reporting companies. XXXX has replied and sent me the " credit report ''. Experian replied with a form letter stating : " We were unable to honor your request because you did not provide sufficient identification information for us to verify your identity, or the information that you provided was not legible ''.
Product: Debt collection

Prince Parker and associates contacted me on XX/XX/2024 about a supposed debt I owed to XXXX XXXX. I told the caller I had no bills owed to XXXX and my account was paid in full and all equipment was returned. I asked if she was sure it was for XXXX? She said yes. I then said I have never received any bills in the mail from XXXX nor from the collection agency she was calling from. I stated this was not my debt. I reiterated I have received no bills or statements to collaborate this debt and it was not mine and please mail statement stating I owe this debt. I have received nothing to date. 

I then noticed a change to my credit report on XXXX XXXX to include this supposed debt. 

I received another phone call on XX/XX/XXXX and the caller again said it was about a debt owed to XXXX XXXX. I again told her, this is not my debt. To date I still have not received any type of bill, statement, or any notification that I owe this debt from either company. She then goes on to state that Prince Parker mailed something one time and that is all they were obligated to do. I reiterated about 5 times, I have not received anything from either company and until I receive statements that prove I owe this debt I refuse to pay and state this is not a valid debt in my name. She then proceeded to hang up on me for no apparent reason. All I am requesting is proof I owe this debt, which is something they are refusing to give me. 

This is now affecting my credit, and their unlawful conduct should be noted and they should be prosecuted for scamming innocent consumers. They must provide proof, and when they refuse and hang up?
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I foolishly took out a loan with CreditNinja. This is a payday loan yet CreditNinja did not align my paydays. I requested that they line by payment dates up with my paydays as they were supposed to do when the loan was issued. I was told I had to make one payment and then that action would be done. I made the one payment and then received an email telling me to sign new documents to set my payment dates up to be in accordance with my paydays. I did that yesterday. The documents clearly showed that I made the one payment already and my SECOND payment will be due XX/XX/XXXX. As soon as I submitted the documents, CreditNinja began harrassing me for a missed payment. I have explained repeatedly that I signed the new documents and do not have a payment due until XX/XX/XXXX. I want my account marked CURRENT/UP TO DATE/IN COMPLIANCE/IN GOOD STANDING with my next payment due XX/XX/XXXX. I can no longer access any of my documents via the CreditNinja account system online.
Product: Credit reporting

Hello, I HAVE NEVER STAYED AT XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, I TOLD PERSONS ABOUT A PHONE OR SOMETHING THEY HAD ME THERE FOR I ' VE NEVER LIVED THERE OR DO THEY HAVE MY SIGNATURE ON ANYTHING AT TIME THERE TALKING I WAS IN XXXX DRAWING UN EMPLOYMENT.I WANT THAT ADDRESS AN REPORT TAKEN OUT MY NAME.
Product: Credit reporting or other personal consumer reports

Not accurately investigating my complaint for the removal of this information from my credit report. They didn't reinvestigate or provide any ne details on how it was verified. It was lvnv funding and att. Returned back stating it was found to be accurate and either left it there or placed it back on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am leasing a car from Santander consumer USA, During COVID I lost my job so my payments became harder to make on time, I contacted Santander to change my payment days to match with my paydays and I was also charged more interest. I try and keep track of my bills but feel like these payments and interest being added is robbery and I wish to have it discharged. Also all late payments legally are not to be submitted and they were and have hugely impacted my credit report making it impossible to get any type of debt consolidations to help pay down or discharge my lease payment altogether. I want to know what Santander 's privacy and consent protocols are and want all late payments removed from my credit report immediately.
Product: Checking or savings account

Ally bank. 

On XX/XX/10, all debit transactions to my account were duplicated, causing my account to overdraft. The money that was supposed to be left in my account are due for bills and payments in the coming days, which are now missing, rendering me unable to fulfill my financial obligations due to a lack of transparency and clearly a mistake on Allys end. 

No statement was issued by the bank, I was not warned, and I was only made aware of this by receiving numerous emails that my account has been over drafted, and I need to cover the balance. I checked my transactions and as stated above, every single transaction on XX/XX/10 made from my account was duplicated, removing an excess of XXXX dollars from my checking. 

I had contacted Ally customer service twice. The first representative didnt even ask for my name or account and said the issue would be fixed ( XXXX XXXX ). I spoke with a second representative who stated that no fund reversals were active on my account and the money should be back at XXXX XXXX, if theyre not, try again tomorrow. It is clear that theyre is no communication both in the organization or out. I still have no received my funds, putting me at risk to be late on payments, or to have my payments bounce potentially causing me to lose my car insurance. 

Again, there is a complete lack of transparency at the moment with Ally bank, as this is affecting many customers, and there has been no statement nor timeframe issued as to how the problem will be resolved. At this point due to the issues above, it feels more like theft from a bank then a mistake otherwise a statement would have been issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time to read this letter. My name is XXXX XXXX, my email address associated with my account is XXXX. I am writing because there was a Discover Card account opened fraudulently in my name on XX/XX/XXXX. 
I was a victim of identity theft during that time, and I have a police report that proves this and I have submitted the police report through the 3 credit bureaus many times. I have disputed this Discover account for years to no avail. I even had my wages garnished for this account once it charged off even though I repeatedly stated that this account did not belong to me. I have submitted my police report on numerous occasions and Discover Bank still will not remove this account from my credit report. 
On XX/XX/XXXX, Discover Bank finally mailed me a letter stating that they requested the removal of this tradeline from the 3 credit bureaus. I can provide this letter if needed. Unfortunately, XXXX still will not remove this account from my credit report. I even submitted the letter from Discover directly to XXXX and they stated that they still will not remove this tradeline from my credit report. 
On XX/XX/XXXX, I called Discover and asked them if they would please draft another letter in hopes that XXXX would accept the new letter and finally remove this fraudulent tradeline off my credit report once and for all. The customer service rep was not helpful and stated that I would have to re dispute the fraudulent account. This made no sense to me as I already disputed this account on many occasions and Discover Bank finally agreed to have this tradeline removed as of XX/XX/XXXX. 
At this point, I am very frustrated, and I do not know which way to turn. 
I am a single mother, and I am in the process of buying my 1st home for myself and my daughter. Having this charged off account on my credit profile is hindering my chances at home ownership. I am asking for your help with requesting the removal of this fraudulent account from my XXXX credit profile.
Product: Mortgage

I have a HELOC that was recently transferred to Shellpoint Mortgage. The HELOC has a 10 year draw and a 10 repayment period. The payments where suppose to be interest only for the first 10 years and then Principal & Interest thereafter. They are currently showing my payment as a P & I. I have reached out to them several times, XX/XX/2024, XX/XX/2024, XX/XX/2024 and XX/XX/2024. I was advised each time that I would be contacted by someone in 2-3 business days to discuss. I have not received any type of response or correspondence regarding my issue.
Product: Credit reporting or other personal consumer reports

This is not a mistakeI am deeply concerned about the false and inaccurate information on my credit report. These errors are not only frustrating but are also taking a significant toll on my mental and emotional well-being. Its incredibly stressful to see inaccuracies on something as important as my credit report, knowing that these mistakes are negatively impacting my life in multiple ways. I rely on my credit report to reflect accurate information about me, and its disheartening to face challenges caused by these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided the Credit Reporting Companies with the proper documentation to remove items from my XXXX, TransUnion and XXXX XXXX Reports. I have sent them several letters regarding this issue and they continue to ignore my correspondence and take the appropriate action regarding XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I have provided them copies of returned mail, that proves that the information that these companies have provided on my report are false information and thus should be removed from my credit report. I have also provided them information that some or all of these accounts are not valid and proof that the companies could not validate the accounts. The companies provide copies of statements which is not validation of the debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX OF XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate addresses on my consumer report ( XXXX, XXXX AND XXXX ). I want these addresses and accounts moved as soon as possible. I also have collections account on my consumer report that are inaccurate. 

XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PENN CREDIT CORPORATIOXXXX XXXX Date opened : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I've discovered fraudulent inquiries on my credit report and seek your help to remove them. I haven't engaged in any transactions related to these unauthorized inquiries and am unsure how they occurred. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Mortgage

I applied for a FHA loan through Rocket Mortgage and after providing all information I was put on hold then hung up on then not sent any pre approval. I feel discriminated against as no reason or explanation was provided from the mortgage banker
Product: Debt collection

I have been trying to resolve this issue with money 4 u for a year. They hired a private investigator that threatened me with arrest among other things. I asked if they would meet at police station. She refused. I have been offered a settlement twice then told no. They drained my account twice in XXXX dollar increments and.l in quick succession until empty including all my unemployment. I have been told I have a warrant. By them several times. I called XXXX XXXX and XXXX XXXX XXXX to resolve court case. There are no cases or warrant. When I call they are very rude to me and tell me I need to pay my bills. They have destroyed my families birthdays this weekend that Ill. Ever get back. Please help me. I have filed a police report with XXXX XXXX police department. The report was taken by officer goodshephard. Police report number is XXXX. Thank you. I have saved all communication from them. And proof of everything stated
Product: Credit card

I applied for a Bank of America BankAmericard. I received the card in the mail and activated it. I then tried to use my card at XXXX restaurants and it was declined XXXX times. I called Bank of America and I was told this problem was corrected and all holds or blocks had been removed from the card. I tried to use the card once more and it was declined again that is when I placed my second call to Bank of America and they assured me it was because I was trying to use my card in XXXX and my home address is XXXX I then tried to use my card in XXXX and it was declined again for the XXXX and XXXX time. I called again and spoke with a CSR and was told they flagged it as fraud and again told all blocks and hold had been removed from my card. I tried to use the card with the CSR on the line and it was declined again for the XXXX time. The CSR then asked me to hang up and she would give me a call back and I never received a call back. I called again on XXXX/XXXX/2016 and spoke with someone named XXXX in the Fraud Department he told me that he had the ability to see more of my account than the CSR did and he said the card had been reset and was ready to use. I tried to use the card after this and it was declined for the XXXX time. I have called Bank of America 6 times and have not gotten a resolution to my card being declined.
Product: Debt collection

To whom it may concern ; I have been doing everything I can in my power to let Citi-Account number : XXXX know about this debt. This credit card was stolen and I have submitted police report to the bureaus and to Citi as well. Now they aparently have sold the account to another company - XXXX XXXX XXXX XXXX - XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX. They are asking for me to pay a debt of {$10000.00}. I have no other choice, but to file a complaint hoping that you will resolve this account. This is a credit card that was stolen. Citi already know about it and they tried for me to pay them even I show them the police report.
Product: Payday loan, title loan, personal loan, or advance loan

After XXXX XXXX sold my personal loan to this SST, system and services and technologies, I've been harrased by this 3rd party credit company phone call non-stop and they kept changing their caller ID to call me and left various messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report on XX/XX/XXXX and notice account that was not mine. On XX/XX/XXXX US Bank representative opened up a credit card in the amount of {$420.00} without my consent. I contact US Bank see attached letter. I have called the bank several times, they said they are investigating, NO ANSWER
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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: Checking or savings account

I opened a business checking account on XX/XX/XXXX XXXX XXXX at the Keybank branch at XXXX XXXX XXXX XXXX, XXXX, AK XXXX. The business account was for an XXXX XXXX XXXX XXXX. I deposited {$1000.00} into the account the day it was opened. I have all the account paperwork and deposit receipt. By XX/XX/XXXX, the account was closed by Keybank. I did not receive any notification that the account was being closed. The only way I found out was by calling the bank when I was having trouble setting up my online account. I contacted Key Bank several times starting in XX/XX/XXXX. I followed up via email again on XX/XX/XXXX. Resulting from that email I was put in touch with XXXX XXXX, the branch manager at the time who said via email that they were working on the case. No reply after that even after several emails. I called again in XX/XX/XXXX and spoke to XXXX XXXX the head teller at the branch who said he was going to work the case. I called back twice since and left messages for XXXX with no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes regarding erroneous information on my account which keeps getting ignored. Im beginning to suffer mental anguish and heightened stress from having to continually submit disputes to have incorrect information deleted and or updated to accurately reflect my credit score. This is affecting my ability to purchase my first home because the scores are not being updated with accurate information across all 3 bureaus.

For starters late payments are being reported when it is illegal to do so. Based on my interpretation of 15 USC 1681A, section 2 titled exclusions : transaction history is not included in consumer reports. Isnt payment history considered a TRANSACTION? Please clarify the bureaus interpretation of what late payment history is considered. The following accounts are being reported as late and I am demanding that the late payment history is updated. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX is showing as a collection account when it was not in fact a collection. I am requesting deletion after requesting validation that has not been done. 

XXXX is a fraudulent account that continues to report and I have request deletion several times. 

XXXX XXXX has several errors in reporting. It shows as a closed account with a past due balance. How is that even possible when you guys claim to have accurately validated this account? In addition this amount keeps increasing and the status being updated as if this account is still open and active therefore SERIOUSLY affecting my credit rating and causing me great financial and emotional harm. At this point its unbearable and something has to be done. 

Credit card usage is not being updated to reflect the correct utilization. XXXX XXXX XXXXXXXX and XXXX balances are incorrect and have been. Based on the creditors reporting date these are past due for an update that reflects ACCURATE utilization. Because it hasnt been updated and is greatly affecting my scores I cant qualify for a home loan which violates my rights. 

In addition XXXXXXXX XXXX is reporting twice for the same exact account. Thats false and fraudulent. 

Lastly the personal statement showing on my credit was not AUTHORIZED. I do not want to be classified as a fraud victim because it negatively affects me when creditors pull my report. Its essentially a scarlet letter and is discriminatory. I do not want any personal statements reflected on my credit report for this reason. 

Please also update the following information to reflect accurately : Employer XXXXXXXX is not accurate I am not also known as XXXX, XXXX, XXXX. This is a catch all and my name has never been that.