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

I have been disputing an erroneous collection account initiated by XXXX XXXX XXXX and reported to all XXXX credit bureaus in XXXX of 2021 by XXXX XXXX XXXX. I have requested at least XXXX independent investigations and additionally, per Section 611 ( a ) of the FCRA, I sent a letter requesting they provide the information they used to make their determination. I never received any results-they only tell me it's been updated with no validation of the debt provided to me. I have sent certified mail on every occasion and have never received any written response as I've requested. Furthermore, I have been successful in removing the same entry from XXXX as well as XXXX. Moreover, I've been contacted by XXXX XXXX ( the original creditor ) via email indicating they too have requested the entry be removed as it was never to have been reported as such. In fact, they have even finally agreed to return monies owed to me since XX/XX/2021. I'm requesting Equifax do the correct thing and remove this entry from my credit IMMEDIATELY. The consequences of the drop in credit rating and the reporting of this erroneous debt has been devastating-causing my rating to drop some XXXX points in one agency. I take pride in maintaining a very healthy credit score and as such have always paid my bills on time-such is reflected without this entry. Again, this debt has never been validated despite my continued disputes and requests for reinvestigation. The credit reporting agencies are NOT DOING THEIR JOBS!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that you are not restricting files provided with an FTC fraud report. Because it is required by FCRA law 605b, I am sending this letter certified mail to assist establish legal remedies. If you do not ban the items mentioned below that are reporting incorrectly due to identity theft, I will turn over my paperwork to my attorney to initiate legal action. It is my aim not to take legal action, therefore please follow the law. Please delete the following products, which are fraudulent and were opened without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX  XX/XX/2020. If you say that these goods are 100 % true and verifiable, I require copies of any paperwork linked with this item that has my signature, as I am aware that none exists. In the absence of such documents carrying my signature, I formally request that this information be removed from the credit file you keep under my Social Security number immediately.
Product: Debt collection

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. Pursuant to FCRA Section 605B it is illegal to report any information on my credit report without my permission. Please remove this item from my credit report. Thank you!
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau, My Name is XXXX XXXX XXXX XXXX, XXXX XXXX and mailing address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 

This letter is a formal complaint that the following creditors are reporting inaccurate credit information : 1- XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) 2XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX 3- Credit Counsel, XXXX ( XXXX XXXX XXXX ) DO NOT RECOGNIZE I am very distressed that this company has included the below information in my credit profile, due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on these reporting creditors part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a several credit cards and business loans, which was highly embarrassing and has negatively impacted my lifestyle. 
With the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed ASAP.
Product: Credit reporting or other personal consumer reports

The debt the credit reporting agencies are reporting is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

over 20 year since collage all account is close and should be deleted from report every month there is an update but there is no change in report and i keep doing disputes like every month i think the department of education might have an illegal hold on my account i have contacted them on seval occasion
Product: Vehicle loan or lease

I was a customer with BridgeCrest from XX/XX/XXXX - XX/XX/XXXX. I had an auto loan with them. I was reported late twice on all 3 of my credit reports by BridgeCrest and this is inaccurate. In XX/XX/XXXX I refinanced the loan. The new loan company sent Bridgecrest a certified check for the payoff prior to my next payment being due. Bridgecrest has a policy of a minimum 10 day hold for document verification. Bridgecrest held the check until XX/XX/XXXX and gave me a 30 day late on my credit report. Please look at my XXXX  report they gave me a OK for XX/XX/XXXX. NR ( Not Rated ) for XX/XX/XXXX and a 30 day late for XX/XX/XXXX. I asked them several times to adjust my 3 bureaus and they refuse. 

On my XXXX  Bureau they marked me 60 days late XX/XX/XXXX. I was current in XX/XX/XXXX and current on XX/XX/XXXX. Therefore I could not be 60 days past due. I pointed out this error and they refused to adjust it. 

Please review the attachment XXXX XXXX XXXX Page 1 & 2. This is the company that refinanced the Bridgecrest loan. As you can see the account was opened in XX/XX/XXXX along with a payment reported for XXXX. The same month Bridgecrest is reporting me late for on XXXX. 

On XX/XX/XXXX I was involved in a fatal accident and lost a loved one. I was medically incapacitated. I asked Bridgecrest for mercy and to waive the 30 day late and they refused. However, I have read comments of customers on this site stating Bridgecrest agreed to adjust their late marks on their credit reports due to COVID-19. Why am I being discriminated against because my medical issue was not COVID-19 related? I had an unforeseen occurrence due to no fault of mine and Bridgecrest refused to offer any assistance. Public relations has nothing to do with decency. Had someone been rejected because of COVID-19. The court of public opinion would render a verdict. However we both suffered difficulty and mercy was needed. I was denied. 

I did file a XXXX  complaint on Bridgecrest. I was very disheartened to see the representative from Bridgecrest being misinformed stating that for the life of loan I was 17 times 30 days past due on my payments. This is 100 % not true as shown by my 3 credit reports I uploaded.
Product: Debt collection

Do not have an contract/agreement with Virtuoso Sourcing to pay aXXXX dollars collection. Never received information about this debt. But it is on my credit report. Mailed a validation letter to Collection agency. Waiting for response. Already worked out a payment plan with XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and I noticed that there are Inaccurate reportings on my credit report. There are inaccurate addresses and Inquiries being furnished. Being though this is and violation of my right to a 100 percent accuracy. I would like this attached items removed immediately. Thank you. And this is not a third party filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent nor initiate multiple hard inquiries listed on my credit report. The attached identity theft report includes names of companies that I did not consent inquiries for. Hard Inquiries identified as identity theft to include but not limit to the following : XXXXXXXX XXXX XXXX Bank ), XXXX XXXX Bank, XXXX XXXX XXXX ( Finance ), XXXX ( Bank ), XXXX CARD, XXXX XXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of of the recent CFPB lawsuit highlighting significant issues with the platform.
Product: Credit reporting or other personal consumer reports

I notice unauthorized hard inquiries on my credit report that i did not intiate or consent to. These inquiries were made by XXXX XXXX XXXX ( date : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( date : XXXX XXXX, 2023 ) XXXX XXXX ( date : XXXX XXXX ) XXXX XXXX XXXX XXXX  ( date : XXXX XXXX ) XXXX XXXX ( date : XXXX. XXXX ) XXXX XXXXXXXX XXXX ( date : XXXX. XXXX ) And I have no existing relationship with these companies. Did not apply for credit, authorize these inquiries, or provide my permission for them. Have contacted the credit reporting agency and the companies responsible for the inquiries but have not received a resolution. These unauthorized inquiries are negativity impacting my credit score, and I am requesting assistance in removing them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i sent in a disputed letter to Equifax and XX/XX/XXXX about an unverified account on my credit report and i have not got a response back in 30 days and they have not removed it or contacted me
Product: Credit reporting or other personal consumer reports

According to XXXX v XXXX  XXXX. Transunion is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account volates these laws XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting

XXXX reported an hard inquiry to Transunion Credit Bureau on XXXX/XXXX/2015.
Product: Credit reporting or other personal consumer reports

This dispute is in reference to : XXXX XXXX XXXX XXXX with Experian. 

I have repeatedly requested validation of this record and have not been sent any validation letters. They have only verified it online without sending me proof of validation. 

It has been removed from the other CRAs.
Product: Credit card or prepaid card

Over {$2600.00} dollars of fraud charges were charged to my Direct Express card. Which is were i get my social security payments from. I filed a complaint with the company supplied them with all documents they asked for including a police report that was filled. I was told the case was closed they couldn't find that they were fraud charges. 

I called back and spoke with a manager and explained to him that I was in the ICU for the whole month of XXXX that I had no way to make these purchases. He said he would reopen the investigation and asked me to send him the paper work from the hospital showing i was in the ICU. Which I did. 

Now anytime I call and reference the SR number it directs me to a message saying they are busy at the moment try calling back.. This has been going on for months. I have faxed them asking for someone to call me and I have yet to speak with anyone. A police report was filled and investigated and they have issued a warrant for the person who stole the money. That's great but I need my money back. I live on a fixed income and this is a big chunk of money that was taken. The customer service with this company is very bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX I send in dispute letters to all three credit bureaus stating there was incorrect information on my credit report from XXXX XXXX XXXX about late payments from XXXX and XXXX XXXX. Then I reached back out to them on XXXX XXXX and nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : -, XXXX XXXX XXXX Balance : {$590.00}, XXXX XXXX A XXXX Balance : {$1700.00}, XXXX XXXX XXXX Balance : -, XXXX XXXX Balance {$530.00}, XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$110.00}, XXXX XXXXXXXX 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 XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep having problems with Experian. In fact this is the only company I have had this many problems with! They stopped reporting my XXXX XXXX  information and when I called and asked XXXX they said the reported to everyone. I asked them to submits it again to Experian. So they did .... My score went down 11 points! How? They raised my credit limit from XXXX to XXXX for good credit. Other credit reporting agencies have me in the high 6 and 700 range. EXPERIAN HAS ME IN THE LOW 600s! I'm trying to buy a house! Its so silly. My credit limit on my 2 cards is XXXX Experian still has it at XXXX. Help me please
Product: Money transfer, virtual currency, or money service

I invested a large amount of money at coinbase on XXXX from XXXX. When I went to sell my stock, I could not find the sell icon. I reached out to coinbase on XX/XX/23, and its assistance told me my stock was staked which I didn't know what that meant. I also told this person I never authorized it, she said it was done automatically. She walked me through unstaking the item but the system told me it would take up to 23 days to clear so I can sell XXXX stock, and she assured me in 48 hours it would clear. 23 days has come and gone and my investment is no where to be found. The company keeps telling me they are aware of the issue and are working to resolve it, but I think they are not being truthful about my investment.
Product: Mortgage

Throughout the entire process this company ( American Financial Network Corp in  New Jersey ) has been misleading, negligent, and void of communication. They told me to get insurance for Friday ( XX/XX/2020 ) because we are still closing on that date. I asked multiple times, " are you sure we are still closing on Friday. '' " Yes, we're closing, I'll keep in touch. '' Nobody reaches out for information. I have to continuously call. We went over the FIRST closing date ( the week before ) which is resulting in re-inspections that we, the buyer, are now paying for so we can have the CO. So at this point we are out {$1500.00} an they are now telling us we are not closing on the XXXX. They are a terrible company and should be avoided at all costs. We have been working with this company for almost 6 months and its been false promises, misleading information, ineptitude, and a thorough lack of communication the entire time.
Product: Checking or savings account

Selling Information Truist Bank and/or their subsidiaries or/and TRUIST family, TRUIST Financial Corporation, violated their privacy act in their term and conditions. TRUIST BANK is providing or/and selling non-public personal information with a non-affiliate. XXXX XXXX XXXX is not an affiliate of TRUIST BANK and/or its subsidiaries. The transaction history from the XXXX XXXX XXXX consumer file verified TRUIST Bank shared non-public personal information with a non-affiliate. 

False Advertisement TRUIST BANK and/or their subsidiaries are giving false advertisements on their products that Truist Bank and/or their subsidiaries provided insurance for the item deposited. The deposited items are supposed to be insured by the XXXX XXXX XXXX XXXX. Truist Financial Corporation is the holding company for the items deposited. This information was never disclosed upon opening the account that TRUIST BANK and or its subsidiaries will have the decision to practice their fractional reserves, Insolvency If TRUIST BANK and/or its subsidiaries can not meet the depositor demand for the deposits. That should be an indication of insolvency upon the bank and the FDIC- should be notified immediately or any other government agency as necessary. 



Deceptive Business Practices TRUIST BANK and/or its subsidiaries use service agreements to benefit their corporation and not the depositor. The value of an account is not only the current balance ; it also includes, pending transactions ( as shown on the XXXX XXXX XXXX consumer file ), deposits, accrued interest, any account linked, etc... The account ( s ) should be accredited for every debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report there's misleading information that appears on there, more specifically an account that does not belong to me, it looks like this account was opened fraudulently on XXXX.
Product: Credit card

In XX/XX/XXXX I was approved for an extension on a balance of XXXX $ the representative from CitiBank approved me and informed me I had until XX/XX/XXXX to submit this payment so I agreed to payoff this balance before the deadline. On XX/XX/XXXX I call to submit my total payment and I am now notified of additional interest accrueled over XXXX and a late fee charge. Therefore although I would comply by submitting the total payment agreed in XXXX to the extension approved I would now be owing a balance of XXXX $ in interest accrueled in XXXX. Multiple Reps over different calls failed to notify me about additional interest and late fee charges when I was approved for the extension and also confirmed me a different balance on my account over a recorded line than what they instructed me yesterday. When trying to get ahold of a specialist one of the reps told me I had to submit payment first and then they would be able to transfer me. I felt like I was taken advantage and victim of misleading information since I was approved and confirmed an initial balance from differen reps over the month of XXXX and XXXX but when I called in XXXX I was not faced with the same information and I am now having to pay an additional XXXX $ on my account after submitting total payment for what was agreed in XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Date of Birth : XX/XX/year> Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX Employers : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : U.S Bankruptcy Court account # XXXX have violated my rights. 

XXXX XXXX XXXX account # XXXX have violated my rights. 

XXXX XXXXXXXX XXXX  account # XXXX have violated my rights. 

15 USC 1681 section 602 A. states I have the right to privacy.

15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern This letter shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

For the record, the following information is being erroneously included on my credit report. If you do not immediately remove this fraudulent and incomplete information, I will file a formal complaint with the CFPB. Furthermore, I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. 

Incorrect Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$460.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1800.00} Inquiry : XXXX XXXX, XXXX XXXX, XXXX Please block this fraudulent information per sections, 615 ( f ) and 623 ( a ) ( 6 ) 15 U.S.C 1681 section 602 A of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my Credit File under federal law ; you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.