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

I have sent numerous letters for the last 4 months regarding the late payments on my credit report and how they are inaccurate and not reporting correctly. I have asked that these late payments be DELETED if not verified. I have got no responds from either credit bureau regarding my dispute letters. FCRA states the credit bureaus and creditors has 30 days to respond to all disputes, If they do not respond or can not verify then the item needs to be DELETED asap. 

Items are listed below : XXXX  : Account number : XXXX, Deletethe late payment dated ( XXXX XXXX XXXX XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate PaymentDated ( XXXX XXXX XXXX ) does not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law. 

XXXX XXXX : Account number : XXXX, I was never late. Repair this account within 30 days. Account number : XXXX, Deletethe late payment dated ( XX/XX/XXXX, XX/XX/XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate PaymentDated XXXX, XXXX not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law. 

XXXX XXXX XXXX  : Account number : XXXX, I was never late. Repair this account within 30 days.XXXX  : Account number : XXXX, I was never late. Repair this account within 30 days.XXXX XXXX XXXX Account number : XXXX, I was never late. 

XXXX Account number : XXXX, I was never late. Repair this account within 30 days.Deletethe late payment dated ( XX/XX/XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate PaymentDated XXXX XXXXdoes not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law. 

XXXX XXXX XXXX XXXX : Account number : XXXX, I was never late. Repair this account within 30 days.Deletethe late payment dated ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate PaymentDated ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) does not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law. 

XXXX XXXX XXXX : Account number : XXXX, I was never late. Repair this account within 30 days.Deletethe late payment dated ( XX/XX/XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate Payment ( XX/XX/XXXX ) does not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law.
Product: Student loan

Credit reporting is voluntary Edfinancial Services never had my written consent nor permissible purpose to report these tradelines. XX/XX/2023 I received correspondence from US Department of Education that my borrower defense application was approved and my loans will be discharged and the tradelines will be deleted from my consumer report. The tradelines are still reporting and they are reporting inaccurate information. See more details in the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX Balance {$77000.00}, XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX, XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

Dear CFPB Officer, I am contacting you for the second time regarding inaccurate information in my credit report provided by TransUnion. Specifically, I am referring to XXXX XXXX XXXX account XXXX, which reflects late payments for XX/XX/XXXX and XX/XX/XXXX, which I believe are incorrect. 

I have compared this information with other credit reports, such as XXXX, which does not show these late payments and instead reflects a correct payment history. I have attached evidence of this discrepancy, which indicates that TransUnion is violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Specific Violations of the FCRA : 1. Section XXXX ( b ) [ XXXX U.S.C. XXXX ( b ) ] : This section requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer report information. The inconsistency between TransUnion and XXXX clearly demonstrates a violation of this provision. 
2. Section XXXX ( a ) [ XXXX U.S.C. XXXX ] : After I previously submitted a dispute regarding this account, TransUnion marked the account as updated without conducting a proper investigation. This suggests no meaningful action was taken, violating my rights under this section. 
3. Section XXXX ( a ) ( XXXX ) [ XXXX XXXX. XXXX ( a ) ] : This section prohibits the reporting of information that a data furnisher knows or has reasonable cause to believe is inaccurate. Since other agencies are not reporting these late payments, it raises serious concerns about the legitimacy of the data currently being reported by TransUnion. 

I formally request that this inaccurate information be corrected immediately. If these late payments can not be verified with valid evidence, they must be removed from my credit report. 

I appreciate your prompt attention to this matter and expect that the necessary corrective actions will be taken.
Product: Credit card

On XX/XX/2023, I purchased a garage door opener from XXXX XXXX for the amount of {$210.00} ( tax included ) using my Discover credit card. The XXXX XXXX also charged an installation fee of {$140.00}. The garage door opener was defective and returned to XXXX XXXX on XX/XX/2023. They promptly refunded my credit card in the store. And I have a receipt to prove it! However, the Discover Credit Card company not only charging me the {$210.00} for the product, but also charging me for {$140.00} installation fee! According to Discover I owe them {$340.00}! I have called and wrote to the Discover repeatedly, explaining that the garage door opener was returned to the merchant. And, that the garage door opener was never installed. And there should be no charges for the installation, since the product was returned in the first place. Apparently, none of my reasoning is working on the Discover Credit card company. They are adamantly charging me for a product that was returned and refunded.
Product: Mortgage

I have a VA loan with The Money Source. 

They refused to take money or to allow a repayment plan after forbearance u see Cares Act.

We were forced to file bankruptcy to keep home.

Now we have been given GROSSLY INFLATED fees for repayment when the Cares Act and The VA laws DISALLOW ANY FEES BUT ORIGINAL MORTGAGE.

We also have been refused any assistance or a person to assist and have been lied to repeatedly and constantly switched to different agents for three years.! We have also been dual tracked while seeking modification. XXXX has refused to respond to modification requests, they have refused response to ERROR notifications, they refuse to give any direct contact, we have been stone walled as has our lawyer. 

We demand that in bankruptcy they allow a modification since they have acted fraudulently and in bad faith. And that they delete ALL INFLATED FEES AND TEDUCE DEBT TO INLY MORTGAGE PURSUANT TO CARES ACT AND VA RULES.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX account was opened in my name in XX/XX/2022. I found this out when I received calls from a collection agency months later requesting {$1300.00}. I have disputed this account multiple times with all 3 credit bureaus, as well as XXXX with supporting documentation of a police report and FTC complaint. XXXX said that because I didnt know who did it and lived at this address that it wasnt identity theft. WHAT?! I tried all 3 ways of disputing : calling, mailing docs via certified mail, and online. XXXX and XXXX have both removed the account, but Experian will not remove it. I followed all of their procedures, going back to the police department for revised reports including the information requested and submitting documents over and over just for them to reject it. All other accounts on my credit reports across all 3 bureaus are in a paid/never late status. My scores were in the XXXX before this and now they have plummeted. This is NOT my account! This is hindering me from applying for new credit, moving, and even cost me a job opportunity. I dont see how its possible that an unknown person can just ruin your life and you have no recourse after going to the police AND the government! I now have to seek the help of an attorney. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on XXXX XXXX XXXXaccount I have disputed the late payment status reported on the account with the credit bureaus for months to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Debt collection

On XX/XX/XXXX I sent a Money Order for a tender of special deposit to settle the account for a auto loan alleged I owe and agreed to pay on the conditions USAA FEDERAL SAVINGS BANK provide me with a Validation and Verifification of the Debt for The Auto Loan. I Requested the actual accounting and a signed invoice, A Copy of the actual accounting for the deal, and a copy of the lawful legal contract binding both USAA FEDERAL SAVINGS BANK and me to the auto loan agreement. Without prejudice, reserving all my rights I accept no contract unless it is shown to be a lawful binding contract. I agreed to pay what they said I owe on the conditions that they provide me with the documents I am requesting, or I would consider them to be in default request that they fully discharged the debt if they are unable to provide the requested documents in 10 days to send me a letter in certified mail, verifying that they have fully discharged the account and no negative remarks are left on my credit report. USAA FEDERAL SAVINGS BANK has not provided me with full disclosure and I was not informed I was creating credit with my wedding signature. USAA FEDERAL SAVINGS BANK did not provide equal consideration because they brought nothing valued to the table, so had nothing to lose. USAA FEDERAL SAVINGS BANK did not provide lawful terms and conditions as they were based on fraud. USAA FEDERAL SAVINGS BANK Did not provide me with the wedding signature of both me and them XXXX, the contract that I signed and they sign and regards to the auto loan. They have sent me statements of an outstanding balance, but that is not an invoice and I need a signed invoice as requested to be sent. They have sent me photocopies of the loan agreement, but that Does not constitute a contract is not what I am demanding. I need a signed invoice as requested be sent from both parties. I did speak with a representative on the phone calling at XXXX ( XXXX ) XXXX at XXXX from USAA ON XX/XX/XXXX acting on behalf of the CEO and explained they would follow up with me but I have not gotten any response, And spoke with another representative on XX/XX/XXXX from USAA who explained they could not proved the documents demanded.
Product: Debt collection

Switched phone providers from XXXX to XXXX due to XXXX 's high costs in XX/XX/XXXX. Utilized XXXX for many years, had no extra device or equipment payments, just basic phone plan. Also, was not in any kind of contract due to using XXXX for over 5 years. Was also paid up to date on all basic phone services ; upon switch I confirmed with XXXX, and my new provider XXXX confirmed this as well prior to making change. 

1 year later on XX/XX/XXXX I received a collections notification from a company called Valor Intelligent Processing stating I owe {$130.00} to there client XXXX XXXX, for a total of {$150.00} including there fee. This was the first and only notice I ever received stating I owe money for this account. The notice provides no description of what the amount is for. Tried calling Valor & XXXX and was provided no details on the alleged debt..
Product: Credit reporting or other personal consumer reports

XXXX is violating 15 USC 1666b . This company is inaccurately reporting late payments on my consumer report on the following dates ; XXXX, XXXX, XXXX of XXXX and XXXX, XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXXXXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I sent them a final certify letter on XX/XX/XXXX, see attached, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit card or prepaid card

I had a Best Buy card serviced by CitiBank. I had purchases which were eligible for zero interest if paid within a certain amount of time. At the time of purchase, I assessed the amount and divided the total into payments so that I could have the balance paid off prior to the interest incurring on the account. I paid $ XXXX month rather than the minimum charge in order to pay off the account before the interest would be charge. I set up automatic bill pay so the funds were taken from my bank account each month. In the meantime, my credit was compromised and I was locked out of many of my accounts online. This wasn't a problem to me because I had the bill on auto pay so I really didn't need to access the account. 
In XXXX, I realized I had been paying this bill for a very long time, and wanted to see why it seemed to never go down. I called the number on the back of my card to speak with a representative. The person told me that the interest free promotion had ended in XXXX. There was a small amount left on the balance at that time, so the interest was charged retroactive to the initial charge amounting to over {$900.00} on a {$2500.00} original purchase. I never received a letter to this effect, an email, a phone call, nothing. I asked for the charges to be removed, but I was told that if I had called by XXXX, they would be able to remove the charges, but I had passed my 60 day grace period and they could not remove the charges. I have offered to pay whatever actual principal charges are on the account, but I am refusing to pay the interest. I realize I should have been more mindful of when the promotion ended, but I thought I had calculated correctly. I have attempted to rectify this issue, but CitiBank will not budge. I'd like to pay the account balance and in light of my payment history, I do not believe I should have to pay this interest since I had no notification.
Product: Debt collection

The debt collection company keeps trying to contact me during working hours I am at work. This is impacting my work as I am seeing their phone number appear and its causing me XXXX  and for my XXXX to become an issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly contacted experian regarding that an unverified account by XXXX XXXX XXXX be removed from credit report. They always respond saying the item has been verified. I specifically asked that the investigation be conducted manually as I objected the e-OSCAR system. I've asked for proof on how experian conducted their investigation and never received the proof. I am still waiting for the original document that shows I agreed to pay XXXX XXXX what they claim I owe
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS USED WITHOUT MY CONSENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS .. 
I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

I saw many collection accounts on my credit file from Harvest Associate. They took one emergency rom visit and broke it down to several collections and changed the dates on each to make it look like I went to the emergency room every other day. One of the collections are duplicates on m credit for XXXX it is reported twice. 
I SENT A REQUEST TO HARVEST ASSOCIATES TO VALIDATE THE DEBTS THEY ARE REPORTING ON MY CREDIT AND THEY WON'T SEND ME ANYTHING. They never sent me a letter stating that they bought this debt, giving me the opportunity to dispute it
Product: Credit reporting or other personal consumer reports

I cant shake the frustration of having my credit dragged down by accounts I never opened. Its hurt me in ways I didnt even realize until recently, and Im tired of feeling stuck because of someone elses mistake.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

It's really disheartening to see unauthorized inquiries on my credit report, and I don't know why they're there. I double-checked, thinking it might be a temporary issue, but it's not. I feel incredibly stressed, and I'm asking for immediate action to review my case thoroughly and remove these inquiries so I can move forward without worry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Checking or savings account

XX/XX/year> TD Bank in XXXX XXXX, Florida, XXXX I deposited {$12000.00} in checks. They told me they look like they were fraud. So they closed my accouts, but now my money. Hasn't they returned the checks to the bank? When I checked with my customers that gave me the checks. They said that the checks have cleared their account. They can not stop payment on them. So they can reissue me a check to go somewhere else. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has reported inacuracies. many times of disputes and agreements they fail to detail conversations and fail to execute solution and leave my account in negative standing. I never received card in mail.and they report it late and negative remarks. They still haven't mailed new card and even after their dispute to be unauthorized they fail to update results and log details.company is intentionally hindering and being delinquent. this is effecting my life greatly I am disappointed with cfpb consumer services of advocacy and defensing against unethical practices