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

Since XX/XX/XXXX I have been trying to get Transunion to simply follow the FCRA laws and ACCURATELY report the information that creditors send them. Unfortunately they are mishandling a system built on ACCOUNTABILITY! 
There are 7 student loans from XXXX XXXX XXXX that remain on my account. All of which look like a special XXXX student reported it. I have proved screen shots with accounts numbers so you can go back on your own and double check. 
XXXX XXXX and XXXX are the only Two late payments that are reporting and they are wrong. How the XXXX can I go from being on time one month to 90 days past due in ONLY 30 days! Then the very next it states I was 120 late. This is done on all 7 accounts and is damaging my score only because XXXX XXXX XXXX isnt reporting correctly AND TRANSUNION IS ALSO REPORTING THE SAME NEGATIVE INFORMATION!!!! 
Each time I submit a complaint they claim they will open an investigation and it only buys them another 30 days because they always respond with the same answer. 
This is my final set before I pursue legal action against BOTH COMPANIES because just because one made an obvious mistake doesnt mention the other gets to lie about verification of a debt! Unless they are above the law! Its been 120 days since my first complaint and response. 
If you read the comments on my Report which I screenshot and enclosed they tried to be a smart XXXX and put that FCRA investigation performed consumer disagrees and thats basically a slap in the XXXX face. How did you verify it if its humanly impossible for time to move that fast? Make it make sense or follow the law and remove this still since I have not received ONE signed agreement Or statement of an account that would prove I was ever late paying this company. It even says NEVER LATE on the credit report. Im sick of them playing games.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 IN accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

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 instruction.
Product: Debt collection

I received a collection statement from ERC for an alleged debt of {$190.00} from XXXX XXXX. I stopped using XXXX XXXX, a company with documented customer complaints, when my internet service no longer worked on my purchased modem. I tried all the methods to reset my modem but with no success, and sent an email to XXXX XXXX telling them that my modem/internet access was not working. They sent return email that they could not send me reset password by internet and that I would have to call them. I am XXXX so that is not an option. I sent email telling them that I was stopping service since they FAILED to provide contracted internet service. They sent me additional billings following months for service NOT provided, and I notified them by mail that they had not provided any internet service per their month to month contract, thus no payment was due. XXXX XXXX does not provide acceptable service to XXXX XXXX customers, and thus is in violation of Americans with Disability Act and has clearly shown a hatred for customers by billing for services not provided. ERC has previously shown that they buy " bad debt '' in effort to shake down customers for debt not owed. I do NOT owe XXXX XXXX, and they wrote this off.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of my credit accounts by XXXX. Despite sending payoff letters to XXXX for both XXXX, XXXX, and XXXX XXXX, my credit report continues to show balances for these accounts. Both accounts have been paid in full for over two months now. 

XXXX representatives have informed me that XXXX, XXXX, and XXXX XXXX have not closed the accounts on their end. This inaccurate reporting is severely impacting my ability to establish more credit. Reports continue to show high balances, leading to denials despite paying off these amounts. 

Additionally, I have received the most recent dispute letter from XXXX, indicating that the creditor agreed that these balances were accurate and that I did not pay off the accounts. This information is incorrect, as I have indeed settled both accounts in full. 

I demand that XXXX, XXXX, and XXXX XXXX be promptly contacted to rectify this error. Failure to do so will result in my pursuit of legal action, including seeking the assistance of a credit attorney and filing a lawsuit. These inaccuracies are preventing me from obtaining additional credit and are hindering my financial goals. 

I have attached the payoff amounts from all companies below. In addition, XXXX and XXXX are reporting this account as paid in full and closed except for XXXX. 

Attached are the payoff letters from all companies as evidence of the accounts being settled. I expect immediate action to ensure that these accounts are reported as closed on my credit report. 

Your urgent attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to formally dispute inaccuracies in my credit report and to demand compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports. 

I have identified the following inaccuracies in my credit report that require immediate correction or deletion : XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

My car was deemed a total loss on XXXX of XXXX  and the gap never payed even though I submitted everything months ago. They had my status as processing for MONTHS and the only reason I found out was because I went to go buy another car recently and found out that, not only was MY credit ruined, so was my fathers who co-signed. All thanks to the GAP not paying on time. I asked my dealership what to do because I still kept getting denied for a car when Id apply, so Hyundai told me to call the credit bureaus and dispute the charges to get it fixed along with my fathers.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment entry on my credit report, in accordance with the Fair Credit Billing Act ( 15 U.S. Code 1666b ). Upon reviewing my credit report, I have identified a late payment entry that I believe is incorrect and improperly reported. 

The details of the disputed entry are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Date of Late Payment : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and XXXX of XXXX Also the credit failed to report the amount that was late as well. 

Explanation of 15 U.S. Code 1666b : Under 15 U.S. Code 1666b, creditors are required to send a billing statement at least 14 days before the payment due date, if the payment is considered late or delinquent. Furthermore, creditors must notify consumers in advance if a late payment will be reported to the credit bureaus, providing them with an opportunity to address any discrepancies before negative information is reported. 

Reasons for Dispute : Failure to Receive Notice : I did not receive any prior notice from XXXX XXXX  XXXX indicating that this payment was considered late or that it would be reported to the credit bureaus. The lack of notification is a violation of 15 U.S. Code 1666b, which requires creditors to inform consumers in advance of reporting late payments. 

Absence of Communication : I have no record of any communication from XXXX XXXX XXXX  regarding this late payment. 




A copy of my credit report highlighting the incorrect late payment entry I request that this late payment entry be promptly investigated and removed from my credit report. Please provide written confirmation of the results of your investigation and any actions taken to rectify this error. 

Additionally, please ensure that this disputed information is not reported to other credit bureaus until the matter is resolved, as required by the Fair Credit Billing Act. I would appreciate a prompt response to this matter within the timeframe allowed by law
Product: Credit card

I called Bank of America to activate my card as an authorized user, which I received in the mail. The call went to the Fraud Dept. They said that my mom 's account was on hold by the Risk Dept. XXXX of the Risk Dept said she could not speak with me about the account. She needed to speak to my mom as the primary account holder. I got my mom on the call. She asked my XXXX XXXX XXXX mother, who does n't speak XXXX and for whom I have always handled her affairs, to tell her how long she has lived in her current address. My mom could n't remember the exact date but said we had been living there for XXXX something years. The correct answer was XXXX. XXXX said that was an unacceptable response and was unable to verify the information and refused to assist us any further. When I asked to speak with a supervisor because she was being difficult, she hung up the phone on my mother and me. She was rude and unprofessional. Now, every time I call back, XXXX must have written some notes on the account that would force us to go into a Bank of America branch because every person we have asked for help has refused - with the exception of XXXX ( I think that was her name ) which could relate and empathize as she cared for elderly parents as well. And even when speaking to a supervisor and answering the security questions correctly because I am looking at the details online, I was told that they could not verify my mom and could not help us further. In my 44 years on this planet, I have never, ever been subjected to this mistreatment in my life by a credit card company. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing I have a balance of XXXX dollars on credit card # ending with XXXX, which on my husband credit is showing updated But due to the fact I am a XXXX Equifax refuse to up date my account it is a XXXX  balance on this account as of XX/XX/2022 But is shows XXXX  XXXX XXXX has not been paid
Product: Checking or savings account

I signed a promissory note that I would make a payment of {$370.00} on XX/XX/2024 for my Credit Card ( also with Wells Fargo ). I made the payment earlier on XX/XX/2024. However, on XX/XX/2024, Wells Fargo still took the money from my Wells Fargo XXXX account. I called and told them that I had already paid and to stop all automatic payments because they were no longer necessary and to reverse that payment of {$370.00}. A few days later, it was reversed. The problem should have been resolved right there, but it wasn't. The following week, XXXX XXXX, I was charged again for {$370.00} even after I told them I didn't have a payment due, that I cancelled all automatic payments, and asked why they are still charging me. These conversations weren't all nice either, I had representatives hang up on me, argue with me as if I'm lying, I kept getting bounced around to different departments, a complete and total nightmare. Again, I told them that I need that money reversed and that I already cancelled all automatic payments and they said that my money may be reversed in a couple days. It is now almost a week later, and that money is just completely gone and has not been reversed. I then spoke to another representative, and they told me that I MAY or MAY NOT be getting my money back due to how everything is set up. What does that even mean? They took {$370.00} from me and now I MAY NOT be able to get it back? This has been going on for two weeks now! I WANT MY MONEY!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

LVNV FUNDING ACC # XXXXand Acc # XXXX is been reported as late which is in corrected. I contacted XXXX XXXXXXXX and was told that the accounts were sold when dispute were in process. The account was previously listed as 12 XXXX XXXXXXXX XXXX  with balances of {$3500.00} and {$4000.00} that are incorrect. Was told by XXXX XXXX they are no longer reporting since disputed. Rather LVNV Funding with proper verification and right to dispute. A letter attached from XXXX XXXX XXXX  as proof. LVNV funding sent frivolous statements with merits that does not represent the facts.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account.I am using my PayPal account for my online business as selling e-book customer pay me using my PayPal account since 2020.My PayPal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes.And I am hoping that I will get back my account and able to withdraw my funds.Thank you and Godbless.
Product: Credit reporting, credit repair services, or other personal consumer reports

After XXXX reversed two payments on my account that they told me were maturity fees after paying my loan off XX/XX/2021 they said would Now fix my credit from the fraudulent reporting. After dealing with this horrible situation i want to make sure this process is done i worked to hard just to be violated by companies like XXXX i want this process completed
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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

A fraud alert was placed on my credit report in error by Equifax, XXXX, and XXXX. 
I requested multiple times with these companies to remove the 7 year fraud alert. 
They placed it due to my dad 's truck being stolen in 2021. However, none of my information was compromised ; I was his XXXX of XXXX and requested a XXXX XXXX late payment to be removed due to what was going on with his situation. My information was never in his truck. 
Instead of doing their jobs and investigating the XXXX XXXX missed payment they decided to place a fraud alert on my reports. 
I filed a complaint with CFPB. 
These 3 companies stated they resolved the issue and closed the complaint. 
Today I tried to get internet, and could not due to the fraud alert they failed to remove, which is their fault because they didn't read the previous complaint in the first place. 
XXXX sent a post card with the fraud alert notice, so everyone who handled my mail would have seen that. So much for privacy! 
They have ignored my numerous requests to remove, and told the CFPB it was removed. It is not, because the guy at XXXX saw it today. 
Yet they marked my dad as dead on his credit report, which is fine, but they failed to finish resolving my issue. 
I demand the fraud alerts be removed, and I want a written explanation from XXXX, XXXX, and Equifax as to why they failed to do their jobs and lied to the CFPB saying the fraud alerts were removed. Again, my information was never in the stolen truck owned by my dad in XXXX  Their workers just weren't paying attention and saw a police report and made an assumption. I would fire someone like that. They obviously can't take direction and are insubordinate. If the issue is working from home, make them come into the office and maybe they can afford to pay attention. 
I request this complaint be listed on the CFPB website for the maximum amount of time against XXXX, Equifax, and XXXX. There is no excuse for this.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, XXXX XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ Experian ] [ XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] Subject : Dispute of Inaccurate Information on Credit Report under FCRA Section 1681 Dear [ Experian ], I am writing to formally dispute inaccurate information in my credit report. After reviewing my credit report, I have identified the following errors, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681, which governs the responsibilities of credit reporting agencies. 

Disputed Information : Item Name ( XXXX XXXX XXXX ) : [ XXXX XXXX XXXX ] Discrepancy/Issue : [ Describe the issue with the information that doesnt belong to you. Please verify validity of this account if not please delete.

Account Number ( if applicable ) : [ XXXX ] This incorrect information is damaging to my credit report and has resulted in harm to my creditworthiness. As per Section 1681 of the FCRA, I am requesting that you investigate the disputed information and correct or remove the inaccurate entry immediately. If the information can not be verified as accurate, it should be removed from my credit report in accordance with the FCRA.

Additionally, I am concerned that the inaccurate information may cause me further financial harm and may expose the credit reporting agency to civil liability for not adhering to its duties outlined under Section 1681. As such, I am requesting that the necessary investigation be conducted promptly, and that any actions required to resolve this matter be taken immediately. 

Please confirm receipt of this letter and provide an update on the status of my dispute in writing. I expect a response within the timeframe prescribed by the FCRA ( typically 30 days ). 

If you require any further documentation or evidence, please let me know. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ] [ XXXX [ XXXX ]
Product: Debt collection

I sent a debt validation request to Enhanced Resource Center and they never responded and added a collections to my report without answering my debt validation letter. I have also paid this with the original creditor XXXX for {$1400.00} in full. they refuse to remove this from my credit report.
Product: Debt collection

I had an account put into collections by XXXX. ERC is the company that collections account was sold off to. To date they have sent only one letter in the mail. I responded to the letter within 1 week of  receiving the letter. They have been harassing my phone line, calling VOIP, using spoof numbers in my area and when I answer they hang up directly. My phone number is not a toy to be played with as I conduct business on this line. I've set up payment arrangements and have spoken to multiple people about removing my phone number from their registry and they still continue to call me. I've submitted forms online and nothing happens. I've called them back every single time they call me which is every day and tell them to remove me from the registry. All the way up until the day of this complaint and a payment plan HAS ALREADY BEEN ARRANGED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment with Mr. Cooper regarding my mortgage with a money order the payment is not showing. I would like them to research the payment and remove the late payment from my credit report.
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 Verifiable Proof ( an original Consumer Contract with my Signature on it ) 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 verifiable proof, you must remove the accounts listed
Product: Checking or savings account

On XX/XX/XXXX, I stopped by the Chase Bank branch located at XXXX XXXX XXXX, XXXX, IN XXXX. I deposited a check for {$130.00} ( Check # XXXX from XXXX XXXX ) and cash. When I got home, I realized the transaction had been deposited into the wrong account ending in XXXX. I contacted the corporate Chase customer service number and they informed me they would credit back {$40.00} and within XXXX days, they would credit the rest. It was never credited. 

In XXXX, I spoke with the branch XXXX, XXXX XXXX ( XXXX ) XXXX. I told me he would reach out to corporate. It has been a month and I never heard back from the branch XXXX or corporate support.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY THIRD TIME COMPLAINING. I have had some inquires that I do not recognize on my credit report. I have filed a complaint and I never received an answer back it have been over 40 days please delete the following inquires companies, XXXX   XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  please delete these inquires they are not mine. I demand that you provide response exclusively through mailed letter. Please contact me about this inquires in writing, to me at home.
Product: Credit reporting or other personal consumer reports

I have hard inquiries on my credit report and don't recognize them. i want them to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

As far as I know in 2018 my x of 18 years used my credit info to apply for a student loan from Dept of EdXXXX XXXX loans XXXX, for XXXX and XXXX, for XXXX, which I never approved or signed are on my credit report. I am on a fixed income due to XXXX and have no way to pay this loan, So I never would have agreed to it. 
The dept of EdXXXX sent me a copy and there is no signiture on it, so I'm assuming it was done ona computer ( Not Mine ). I have disputed these loan several times with the credit bureau ( s ) the results come back fast and loans are confirmed. I did Not apply or give my approval to apply for these loans. And dept of edXXXX won't remove these from my credit reports.