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

This company charged me an high interests and i know its wrong this account was deleted and somehow reinserted back on my credit report. The statue of limitations of this loan is 6 years to collect in georgia accordinally to the Fair Debt Collections Practice Act. It was opened around XX/XX/2010 it has a balanced of {$4700.00}. I'm aware of the breach that happened to XXXX  and the other credit burears as well, I would like to have this problem solved in a timely manner bc im going on with my federal tort claim suit i didnt consent to alot of things
Product: Credit card or prepaid card

as a part of XXXX XXXX promotion during the purchase of my airplane ticket I checked the box for American Express. {$200.00} cash reward if customer makes a $ XXXX purchase in first 3months. 
However, I never completed a checkout for the airplane ticket. I thought Amex card application did not go thought either. Actually it did and I received a card sometime later. Never received any billings statements. 
I said oh, well I might as well take the advantage of the {$200.00} promo by spending money on it. After few months I made my first purchase, which was paying the college tuition down payment for my freshman son. Made some other purchases too.. Was waiting on the statement, but never received it. The first time I received the statement the payment was already overdue and the fee and interest rate were already charged. I paid everything right away. 
I texted with Amex customer service and tried to negotiate removal or reduction of fees but to no avail. And I did not receive {$200.00} -- promotion either. With disappointment in the quality of their customer service I closed my account. 
With all off this I would like to file a complaint against Amex and AmEx practice. I think their practices are unfair and are taking advantage of customers. I do not seek money or any reimbursement, but I just want to share my experience so others can learn from it.
Product: Credit reporting, credit repair services, or other personal consumer reports

All began back in XX/XX/XXXX, when contacted XXXX and placed fraud alert on my accounts. Since that time have mailed multiple certified letters to all three credit bureaus notifying them to freeze my accounts so no one has access to my credit files or reporting. This was after had been victim of identity theft and purchased an identity theft policy from XXXX XXXX, XXXX, TN. Attempted to get XXXX XXXX to send me a policy which never did ; when I sent them analysis of the conflicting and nebulous information contained in information they had emailed me, only put me in contact with their attorney. Request for additional information continued receive information that had terms and conditions that they would not define, nor would they provide me any evidence of a contract. Contacted XXXX with Experian on XX/XX/XXXX, an alleged Subsidiary or affiliate of XXXX XXXX who told me had sign up for service ( $ XXXX/mth ) to place a freeze on my account and would replicate with other bureaus ( XXXX  & XXXX ) . When I logged back into account, there was no such functionality. When attempted to call the merchant back, Experian, the number had been Additionally, attempted to cancel this automatic draft within 30 day period they told me once I place the freeze on accounts, then could cancel service. Although, was unable to log back into the account. XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX, the three Credit Bureaus have been a circuitous route back to labyrinth of deception in Washington.
Product: Credit reporting

I requested my credit report from annual credit report website - and received my credit reports. I found several additional names on my experian credit report and tried to use their online site to dispute. However, instead of taking my request to dispute, their website told me to call a experian number. I called the number and their prompting told me to go to their website to get further information. I found instructions on their website which told me to follow the instructions for disputing that are contained within my credit report. I read the credit report and it instructed me to submit a dispute complaint to consumerfinance.gov. I am stuck in a loop and want to get these references of other names off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the Fall I had the following Hard Inquiries show up on my credit that did not occur : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Experian XXXX - XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Experian I contacted XXXX  and they said they would remove but never did ( might have been just their internal system ). Tried multiple times to contact XXXX  but could not reach anyone.

I need all 4 of these removed from my credit ( trying to refinance house this summer ). If I need to try and contact XXXX   and Experian separately please let me know.

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

I am requesting CFPB to launch an investigation with Transunion credit reporting agency due to an incorrect public record reporting on my credit file. I have been disputing a XXXX XXXX bankruptcy that is reporting inaccurately. Transunion continues to state it has been verified but will not disclose by who so that I can ask them to do an investigation. Originally Transunion stated it was verified by XXXX XXXX, so I requested that they perform an investigation and upon completion of XXXX investigation they deleted such bankruptcy from their database. I sent the letter from XXXX XXXX to Transunion, and they once again stated it was verified but did not disclose by who. I have spoken with and received correspondence from the courts that is reporting on my credit file, and they also have sent correspondence stating they do not report or verify anything with the credit bureaus. This inaccurate information needs to be deleted ASAP because I am unable to find a place to live. I have sent certified mail, all correspondence from both XXXX and the courts, I have no clue what else they want or need.
Product: Debt collection

I am writing to request an investigation and correction of late payments that have appeared on my credit report. Upon reviewing my credit history, I noticed inaccuracies regarding the timing of payments for certain account XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Money transfer, virtual currency, or money service

I have a problem for about three weeks now and I can't get any help from my problem which is my card is frozen and I can't withdraw my balance I need help because I need the remaining balance badly
Product: Debt collection

on XX/XX/2018 I checked my report just to make sure there aren't anything that im not aware of. However to my surprise there was an account being reported by Waypoint Resource Group in the amount of {$500.00} I have never heard of this company never received any mailings from them nor have I had any service or a contract with XXXX XXXX which is a company that provides service in XXXXXXXX XXXX not XXXXXXXX XXXX in which I reside and have lived in the last 9 plus years. Im 100 % sure this is a error or misreporting because I have never had service or contact which any of these companies and I never received notice about this alleged debt. Since this company is already in violation of the FDCPA for failure of written notice and right to dispute this debt. I am requesting immediate removal of the reporting of this account from all credit bureaus and cease and desist of All collection activities immediately. If this account is not removed upon my demand I will seek legal action against this company. Please send a response with attachments of a statement agreeing to remove from all reporting agencies and cease collection on this account as it is inaccurate and un validated information that was furnished. Per FDCPA and FTC this account must be removed when consumer has not been notified of his/her legal right to dispute or request validation of a debt along with certain statute of limitations determine how long you can collect or try to report old expired debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies have improperly used my personal information without my consent..most detrimentally the credit reporting agencies XXXX Equifax XXXX XXXX XXXX have he sadly and greatly harmed my quality of life for to these false reporting My identity has also been stolen as my credit information has been illegally merged with another person that XXXX the same name ..I am a senior .all things contained in my report belong to a consumer with the same name I am prepared to bring charges in a federal lawsuit as the information is showing a debt owed to the department of child revenue for child support that has stopped from getting everything I apply for. Everything on my credit report is false therefore I requesting immediately deleting of every entry on my report as a through and accurate investigation was not done by the furnishers of this information and I have noone permission to invade or report. My private information at any time ever .. pursuant yo the fair credit act see the attached statues and documents stating my rights and the law which governs these stAtutes
Product: Debt or credit management

I don't know if the category is correct or not. I sent a copy of my identification with a request for an annual fee credit report. TransUnion sent me a post card requiring identification and recent proof of address. 
A copy of the id was already sent in. I re sent them another copy of the ID, and the post card back to them as proof that I receive my mail at the address given. It makes no sense. No one is going to send an address where they aren't receiving mail. This is the second time TransUnion has refused to send my consumer report to me. I requested in 2021, they sent a post card requiring proof of address like a utility bill less than two months old, an another copy of my ID. They never did send the consumer report. This time, I want them to send the consumer report. They are required by law to send it, and there is nothing in the law that requires me to send them a utility bill, or any bill less than two months old in order to receive it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX/XXXX  XXXX   XXXX/XXXX  ; XXXX/XXXX XXXX  XXXX   XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX/XXXX  XXXX  XXXX/XXXX  ; XXXX/XXXX  XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX/XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX; XX/XX/XXXX/XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They have several names that are not mine several addresses that Ive never lived at my Social Security number is wrong, and an account on. There is not mine XXXX XXXX  does not belong to me.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 or other personal consumer reports

XXXX XXXX XXXX has a debt not owed and a do call debt in which is inaccurate by XXXX XXXX XXXX time after time. 

There was not letter mail to me about a such debt by credit collection service of any amount or anything to this said false claim. 
XXXX XXXX XXXX  keeps reporting the debt is {$1100.00} as XXXX XXXX XXXX reports this to credit bureaus as false debt and all sudden XXXX XXXX  sends a bill for {$11.00} There has been no money paid to no one by the letter states in XXXX 2024 there is a XXXX balance The bill for XXXX is inaccurate by XXXX XXXX XXXX as statement proves and they keep reporting the debt. 
XXXX XXXX XXXX is reporting false amounts on this account Has cause damage to my credit by these false fraudulent amounts not owed and inaccurate in which needs to be removed XXXXXXXX XXXX XXXX  makes fraudulent amounts as you can see now all sudden XXXX XXXX fraud inaccurate amounts All the credits applied by XXXX XXXX XXXX show inaccurate by them and have other documents as well with all credits and amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed XXXX {$580.00} DP OF EDUC XXXX Balance Owed : {$570.00} XXXX XXXX XXXX Balance Owed : {$6500.00} NATIONAL CREDIT ADJUST XXXX Balance Owed : {$460.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Debt collection

Creditor has referred my account to collections and I am receiving multiple daily calls from them.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious concern regarding the handling of my recent dispute. It has come to my attention that you have violated my rights by failing to conduct a proper investigation, as required by the Fair Credit Reporting Act ( FCRA ). 
On [ XX/XX/year> ], I submitted a dispute to Experian regarding XXXX XXXXXXXX XXXX XXXX$1000.00}, XXXX XXXX {$800.00}, XXXX XXXX XXXX XXXX {$4800.00} and XXXX XXXX {$870.00}. According to the FCRA, upon receiving a dispute, you are obligated to conduct a reasonable investigation within 30 days to verify the accuracy of the disputed information.

However, I regret to inform you that your investigation was inadequate and failed to fulfill the obligations outlined by the FCRA. I disputed these account and Experian reported accurate without proper investigation under the 15 U.S.C 16810 Civil Liability for Neglgient Noncompliance Law I must emphasize the significance of this matter, as the accuracy of my credit report directly impacts my financial standing and opportunities. As a consumer, I have the right to expect a fair and thorough investigation of any disputed information. 
Therefore, I kindly request that you take immediate action to rectify this situation. I expect Experian to conduct a comprehensive investigation into my dispute, ensuring that all necessary steps are taken to verify the accuracy of the disputed item ( s ). Additionally, I urge you to provide me with a detailed report of the investigation 's findings and any actions taken as a result.

Please be aware that a failure to address this matter appropriately will leave me no choice but to pursue all available legal remedies to protect my rights under the FCRA. I trust that Experian will take this matter seriously
and act promptly to rectify the situation.

I look forward to a prompt and satisfactory resolution to this dispute. You may contact me at the provided phone number or email address should you require any additional information or clarification. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. 

I have tried over and over for the past 8 months to dispute and remove 3 loan accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies have been on my credit report due to identity theft and fraudulent charges not made by me. I've submitted documentations such as FTC reports and Police reports to XXXX to furnish to the creditors. XXXX has yet to remove the accounts even with substantial information claiming the creditors deem the accounts as valid. I applied for XXXX and XXXX XXXX XXXX XXXX in XXXX of XXXX while being XXXX to help with my medical bills however i did not get a chance to use the cards because they were stolen and used by a thief. There is also a fraudulent closed auto loan by the name of XXXXXXXX XXXX that i did not authorize. I backed out of the deal once i was advised i would be a co-borrower. The agents agreed to remove me off the loan application and come to find out later i was still on the loan. I've sent letters and reports and police reports to have the company remove me from any business with XXXXXXXX XXXX they still have not removed me from the account. I am requesting the companies remove me from their databases as these accounts were inaccurately reporting and not handled i the correct manner to take the proper steps in resolving these issues.
Product: Debt collection

In XX/XX/XXXX I moved back to XXXX from XXXX. XXXX was my cell phone carrier at that time. Before moving back the USPS stopped allowing XXXX XXXX. to have PO BOX 's and in turn all mail must be addressed to a physical address. XXXX was notified. I had also changed my mailing address to reflect my move 2 times online with XXXX to reflect XXXX XXXX. Their " system issues '' as described to me on the phone were rejecting my updated mailing address that I had before leaving XXXX to move back to XXXX. After my previous phone died, I decided to utilize the " switch to XXXX '' promotion and " we will pay your early termination fees up-to $ $ $ amount. While you also get to keep your current phone number '' After I had paid my last bill I had called XXXX 2 times, the month of and the month after, both individuals knew of the ordeal and reassured me that I did n't owe XXXX anything, XXXX covered all remaining charges. XXXX needs to provide these phone recordings in order to proceed, along with verification that they did, mail paperwork regardless of paperless billing- that I did not receive at my mailing address in XXXX XXXX. showing that I owed XXXX any balance. Both family in both states have not received paperwork from XXXX stating that I owe them anything. I have had an excessive amount of advertisements sent to my mailing address in XXXX XXXX since I switched to a reliable carrier this past summer of XX/XX/XXXX.  The collections agency 's trying to contact me have been XXXX by phone in XXXX XXXX. and North Shore Agency. Both who have not been able to mail to the correct address in XXXX, or as XXXX even mailed anything to me in XXXX  or XXXX. My family would defiantly have let me know and either forwarded or called to provide me the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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, credit repair services, or other personal consumer reports

ATTN CXXXX Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously