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

My account was closed XX/XX/XXXX with XXXX, is supposed to be {$0.00}. Balance they are no longer my servicer. I have a new servicer XXXX. The transfer was completed in XX/XX/XXXX all loans are with XXXX. As of today XXXX will not report my balance as {$0.00}, they are still reporting my balance on my TransUnion and XXXX as open as if Im my account is still with their company. I have done several disputes and they are being updated as balance remains and Im no longer with them. I have spoken with the credit bureau and they state they only update what the company is putting out. XXXX XXXX is reporting to them that the balance is still open when clearly on my credit report I see when it was closed and transferred to another lender. One supervisor said the loans werent converted yet thats why XXXX  are still reporting a balance. False I have documentation from my new servicer showing all loans were transferred in XX/XX/XXXX to XXXX. I just need my account updated accurately Im no longer with XXXX anymore
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XXXX XX/XX/year>
Product: Debt collection

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX mail : XXXX XXXX XXXX XXXX XXXX Re : Request for Debt Validation- reference # XXXX Dear Sir or Madam, I am writing to request validation of the debt you claim I owe, as required under the Fair Debt Collection Practices Act ( FDCPA ) , 15 U.S.C. 1692g. I recently received a collection notice/communication from your agency dated XXXX XX/XX/2023 regarding an alleged debt in the amount of {$1600.00}. Please note that this is not a refusal to pay, but a request for validation. Pursuant to the FDCPA, I am requesting that you provide me with the following information : 1. The name and address of the original creditor ; 2. The original account number associated with the alleged debt ; 3. The amount of the alleged debt and an itemized breakdown of all fees and interest ; 4. A copy of the original agreement or contract that created the alleged debt ; 5. Proof that your agency is authorized to collect this debt on behalf of the original creditor ; 6. If the original creditor has sold or transferred the debt, a copy of the agreement between the original creditor and your agency grants you the authority to collect the debt. 
7. Until I receive proper validation of this debt, I request that you cease all collection efforts, as required under 15 U.S.C. 1692 g ( b ). Additionally, please note that any attempt to report this alleged debt to any credit reporting agency without first providing validation may be a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

Please send the requested information to the address listed above within 30 days of receiving this letter. If you are unable to provide proper validation, I request that you cease collection efforts and remove any negative information related to this account from my credit reports. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX.
Product: Credit card or prepaid card

I had American Express Platinum credit card ending ( XXXX ) offering {$200.00} travel credit each year and the account has been closed in XX/XX/2020. I suddenly got a bill in XX/XX/2020 claiming Amex mistakenly classified two of my purchases as eligible and now they would like to reverse them and ask me to pay {$200.00}. 

I find this charge is groundless. Amex admits this is their mistake. More important, if they had told me this mistake while the account was open, I could have apply the travel credit to other travel related purchases. Also I would have used credit cards by other companies to pay for this charge as I do have other credit cards which would consider my purchase eligible. 

Amex advertises this trave credit to attract consumers to apply for their card. I paid membership fee for these benefits. Their mistake deprived consumers of the right to use these benefits. This is blatant cheating.
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report a public record labeled " US BKPT CT TN XXXX '' is allegedly being reported from the USBK Court XXXX Tennessee in XXXX. When I contacted that court, they responded via a letter, which is attached, stating that they do not report to any of the credit bureaus. The credit bureaus are reporting that the furnisher of this information is the USBK Court XXXX Tennessee. The credit bureau either made a mistake or is blatantly lying. Either way, this information is inaccurate and I demand that it is removed from my credit report immediately.
Product: Vehicle loan or lease

I am writing to formally dispute the auto refinance agreement I entered into on XXXX XXXX for my XXXX XXXX XXXX. I believe this agreement was obtained under false pretenses and through unfair business practices. 
I was presented with an auto refinance loan with an extremely high APR of 16.9 %, significantly higher than my current rate of 6.9 %. Despite expressing concerns about the rate, I was pressured into accepting the terms under the false pretense that it was a competitive After closing the loan on XX/XX/XXXX, I realized the unfavorable terms and sought to cancel the agreement within the XXXX cancellation period. However, my request was denied, despite the fact that the XXXX period had not yet expired due to the XXXX holiday weekend. 
I believe this denial of my right to cancel is a clear violation of consumer protection laws. 
I demand that OneMain Financial immediately cancel the auto refinance portion of the agreement and refund any fees or charges associated with it. I expect to be able to proceed with the personal loan portion of the agreement, but at a more reasonable rate. 
If this matter is not resolved promptly and fairly, I will be forced to escalate this issue to the appropriate regulatory agencies, including the Consumer Financial Protection Bureau ( CFPB ) and my state 's attorney general 's office. 
I look forward to a swift and satisfactory resolution to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion allowed XXXX XXXX XXXX to place a XXXX XXXX XXXX expired judgment as a collection account on my credit report. This collection agency misled and misrepresent information to different reporting agencies such as XXXX, XXXX ). I have disputed with all agencies to remove this negative reporting from my profile which they have complied and removed the negative reporting using the court document I provided. This court document is also attached for your review. 
As of now, TransUnion has not remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the inquiry listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law and remove all negative items listed below : 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 or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX  # XXXX XXXX XXXXXXXX # XXXX UNAUTHORIZED INQUIRIES : Experian XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Experian is violating my consumer rights under the Fair Credit Reporting Act, by allowing inaccurate/invalidated items on consumer file, and refusing to do an accurate investigation of into negative items. I want all unverified/inaccurate items remove from my consumer file asap.
Product: Credit card

On XX/XX/2023 at about XXXXXXXX XXXX My son XXXX XXXX called customer care for Comenity Bank who issued the Bealls Outlet card. Phone # was XXXX I gave him lifetime permission to speak on my behalf. He spoke to XXXX employee # XXXX she was rude and didn't want to transfer him to the collections department. She refused saying 'I will not allow you to be transferred you do not make decisions for your mother '' I had to get on the phone and tell her to transfer him. My son was not making decisions for me but rather helping to settle a debt through a lump-sum settlement. After he was being transferred they decided to hang up on him. This was unprofessional and ridiculous behavior for a company to display toward a customer and their family member. I want to free some credit and help my credit grow in the long run.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX  XXXX Balance : {$0.00}, XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1300.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2021 my Amazon credit card account managed by synchrony bank, closed my account due to my 2nd returned payment. This returned payment was in result of not being able to deposit my money on time for the payment I arranged, I usually make it on time, but this wasn't the case when my community was struck by the natural disaster Texas suffered during XXXX. In addition, the frozen roads prevented me from making my usual income to support my all my expenses.
Product: Credit reporting or other personal consumer reports

I log into my credit report at XXXX  and if I am lucky enough to access my credit report when it does not tell me please try later thats a good day. 

Now I can't unfreeze my Equifax credit report. It keeps referring me to call Equifax directly. This is a constant problem. It constantly happens. I should be able to unfreeze my credit report when I log in. 

Calling the XXXX number is useless. You have to verify your identity through the automated system and XXXX forbid you get a question wrong, now you cant unfreeze your credit report. I have a XXXX rate mortgage. The monthly payment changes every month. 

When the Equifax automated system asks me a question about a mortgage and I get the monthly payment wrong then thats it I won't be able to unfreeze my report or speak to a live person. This is so outragious that I have to continue to go through this over and over again. 

Now I have to tell my creditor to wait. till I am able to speak to a live person and even when I do, they always tell me the same thing. I am going to escalate it and mark it urgent which means nothing because it takes weeks and weeks for them to resolve this same issue. I have been through this a XXXX times. 

Eventually Someone is going to sue Equifax over this. I want this to stop. I want to be able to unfreeze my credit report without spending an hour on the phone trying to verify my identity. 

Thanks you XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting

A few years ago Equifax changed my date a birth in their system ( they somehow entered the month of my date of birth with the day and year of my wife 's date of birth ). They placed a freeze on my account saying I could not give them the right personal information but refused to tell me what information was not matching. I spent several months repeatedly sending my driver 's licence and other information in and enrolling in their credit monitoring service ( I was told this was the only way I could look at the information they had and find out what they had wrong ) before I was told it was taken care of. On XXXX/XXXX/16, I applied for a credit card and was told that Equifax still has the freeze on my account. I have tried to call, but the few times I get through I just get the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I filed a disputes with XXXX, XXXX, & XXXX  in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigations results.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

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

I am writing to file a formal complaint against XXXX  XXXX, regarding my request to provide the Method of Verification ( MOV ) on ( 3 ) accounts listed on my credit report. 
After numerous attempts to amicably resolve this matter, XXXX XXXX has failed to produce any Original Documentations / Contracts with my signature wet-ink on it. 
Theyre failure to adequately ensure and positively verify these accounts have caused tremendous stress, sleepless nights, and inability to eat and most importantly hurt my ability to obtain credit. Enclosed you will find a recap on my communication with TransUnion, dates, certified mail receipts and theyre willful noncompliance and negligent noncompliance responds.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. The information I am disputing is as follows : XXXX XXXX ****. 

I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency.
Product: Credit reporting

I contacted Experian during the month of XX/XX/XXXX regarding information showing XXXX late payments ( XXXX ), and XXXX missed payments with XXXX. The XXXX contacted me on XX/XX/XXXX and communicated that the information being reported by Experian is not correct. Today, when I viewed my credit reports is states that, under " Payment History '' that there are XXXX late payments. However, when I click on the late payment icon it states that " Experian has not negative accounts on file or you as XXXX ''. However, this is inconsistent with the statement of " XXXX late payments '' on the dash board. Also when I click on what 's affecting my score it states the following : 1 ) XXXX no payments and XXXX late payment. This incorrect and inconsistent information is negatively impacting by ability to secure credit at a fair rate. This week, XX/XX/XXXX and XX/XX/XXXX, I contacted Experian 5 times and each time I was transferred to another dept, and at this time the issue is still unresolved. How can an organization be allowed to report inaccurate information that will have a negative impact on people lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am following up on a prior reported complaint relating to a fraudulent loan taken out by someone at MoneyLion. Through the significant help of XXXX XXXX in the Complaints department of MoneyLion, this issue has now been resolved. MoneyLion found the loan to be fraudulent and has removed any financial responsibility from me and is in the process of advising and correcting the information provided to the credit agencies. I deeply appreciated his follow through, efforts and communication.
Product: Credit reporting or other personal consumer reports

I have names and addresses that are different on all XXXX  of my credit reports also old addresses that are none mailable addresses currently I have sent current updated addresses to all contracted financial institutions I ask that the old be removed
Product: Credit card

I always pay on time. I am sure of this. what I am not sure is why this company is reporting me late on certain months which should not occur. Based on USC 1666b any billing error should be corrected and should be updated to paid as agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was aware of this fraud account on my credit XX/XX/2019. I am  not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.