23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

15USC 1681a ( d ) ( 2 ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX XXXX XXXX is reporting this information to XXXX, TransUnion and XXXX. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Vehicle loan or lease

This is about complaint XXXX. 
In would like to express my frustration and concern regarding your mishandling of my account, which has resulted in significant harm to my credit profile. Your response to my CFPB complaint has highlighted serious failings in your communication process. 
All the documentation you attached was sent to my previous address, even though it is clear that you have my current address, as shown in the letter dated XX/XX/year>, included in your response. This demonstrates that you failed to contact me properly regarding the alleged balance of {$540.00} and subsequent actions taken on my account. 
Your inability to notify me at my correct address has caused : A denial of my right to dispute or resolve the alleged balance in a timely manner. 
An unwarranted charge-off applied to my account, damaging my credit profile. 
A violation of consumer protection standards that require accurate and timely communication. 
As the original creditor, VW Credit holds the responsibility to ensure accurate reporting and fair treatment of its customers. The lack of proper notification prior to the charge-off reflects a severe lapse in your duty to communicate effectively. 
This issue has caused undue stress, financial harm, and damage to my reputation. To resolve this matter fairly, I demand the following actions : Immediate removal of the charge-off from my credit file. 
Coordination with any collection agency involved to ensure the debt is resolved and deleted from all credit reports. 
A formal acknowledgment of your failure to notify me properly and the corrective measures being taken. 
This matter has already been escalated through the CFPB, XXXX, and other credit bureaus. Failure to resolve this issue will lead to further action, including additional complaints to regulatory bodies and potential legal avenues. 
I expect a detailed written response outlining the corrective actions VW Credit is taking to address this situation. Anything short of full resolution, including the removal of this charge-off, will be unacceptable.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report today, I saw unauthorized inquiries that I can not explain. These irregularities appeared unexpectedly, and even after refreshing my browser, they didnt go away. I am asking for a prompt and detailed review of the documents I sent to ensure this never happens again.
Product: Credit reporting or other personal consumer reports

Documentation sent to TransUnion supporting my claim that the referenced XXXX XXXXXXXX, {$8700.00}, held by XXXX XXXX XXXX XXXX has been satisfied. 
This documentation has been repeatedly submitted to TransUnion on-line and mailed to TransUnion on XXXX separate occasions ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ). I can not understand why TransUnion keeps responding back that the investigation results are verified as accurate, obviously their determination is incorrect, and their review process is faulty. 

TransUnion file ID # XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the late payment records reported on my credit report by the Department of Education servicing company, XXXX. The information is inaccurate, and I respectfully request that Experian/CFPB investigate this matter and remove the erroneous late payments from my credit history. 
The payments in question were automatically processed through ACH processing, with my bank account information verified by XXXX services. The XXXX website portal consistently displayed that each payment was processed and paid in full, confirming that no payments were missed or delayed. Furthermore, my account is currently paid in full, reinforcing that there were no outstanding balances that would have resulted in late payments. 

Additionally, given my positive payment history, I respectfully request that CFPB/Experian consider a goodwill adjustment to remove the late payment records in recognition of my otherwise consistent record of on-time payments. 
I would appreciate a written confirmation once the necessary corrections have been made. Thank you for your time and prompt attention to this matter. Please contact me at your earliest convenience if additional information is required.
Product: Credit reporting or other personal consumer reports

I had fraudulent credit on my consumer report I contacted XXXX and retained them to remove the fraudulent credit. They were removed and now they have been improperly reinserted inaccurate information on my consumer report.
Product: Credit reporting

I had a student loan with XXXX XXXX ( who now is navent ) back in XX/XX/XXXX account # XXXX which on my credit report it shows XXXX accounts # s XXXX in the amount of {$3500.00} and XXXX in the amount of {$2600.00} besides the accounts being XXXX old they sold the accounts back to the original debtor ( XXXX ) which in return got paid by taking my tax return back in XX/XX/XXXX, I have tried several times to dispute the information on my credit report stating their ca n't be XXXX company 's reporting the same information on my report but what they did was when the XXXX has different account numbers with the same information which is the same loan from XXXX XXXX. at this point I had my attorney send them a letter explain they can not have XXXX companies reporting the same items that XXXX XXXX would have to delete there information because XXXX was the one who collected the money from me and XXXX XXXX sold the loans back to the XXXX, I have a record of all the times I have contacted XXXX XXXX and the XXXX reporting credit agencies, I also have the letter from my attorney contacting all three agencies and the XXXX reporting companies, the XXXX credit agencies have not corrected the information have never verified the information because they are getting paid by the companies to report the information, all I want is for XXXX XXXX to remove the information from all XXXX agencies because they no longer own the accounts ant the XXXX is reporting the same info with different account numbers. XXXX account # 's XXXX and XXXX all the information is the same on all the accounts see attached documents
Product: Credit reporting or other personal consumer reports

They post it to all 3 bureaus without my permission. The corporate United States created a tacit mortgage on my private property without my knowledge or consent and is using it as collateral for loans of credit and money substitute from the non-federal Federal Reserve Bank. HJR 192 of 1933 and UCC 10-104 and 1-104 which is my congressionally designated right. You have 24 hours to remove it. I want to be notified when its done..
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. I AM NOT LIABLE TO THOSE INQUIRIES AND WERE NOT AUTHORIZED BY ME. PLEASE HAVE THOSE REMOVE OFF MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$31000.00} XXXX XXXXXXXX XXXX {$420.00} XXXX   XXXX {$430.00} XXXX XXXX XXXX {$170.00} XXXX XXXX   XXXX {$490.00}
Product: Mortgage

I started the process from a loan processor for a fha loan with no out of pocket expenses.. He said thats the only loan i can get. Somehow i was lured away by another loan officer who ran my credit and filled out an application for me. He lied on the application. I was told I had to pay {$650.00} for an appraisal which I paid. After the appraisal the loan officer said he made a mistake and i do not qualify for a conventional loan however I would not be refunded for the appraisal. This appraisal should have never been ordered by the loan officer. The refinance option was a result of my asking for forebearance. Since then I had to pay forebearance plan thus never gaining any relief or refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.
Product: Debt collection

I found a XXXX account reported by RCVL PER MNG collection agency ( XXXX ) on my credit report. I sent two verification letters XX/XX/XXXX and XXXX and I have n't received response yet. 
I would like to have a verification letter about this debt. I want to resolve this account. 
XXXX Balance : {$3700.00}
Product: Debt collection

There are multiple accounts that do not pertain to me. These accounts were open during the time that I was XXXX. Theres an account with XXXX amount of {$950.00} XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX {$920.00} an account of XXXX  XXXX unknown balance, XXXX XXXX  for the amount of {$26000.00}. I have also submitted a complaint to the FTC identity theft report it will be attached. And I will include the disposition of the paperwork that states the dates that I was XXXX  and the day that I was released.
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 information, accounts or 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 accounts or information which is 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, XXXX, XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, and XXXX XXXX  XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. 


If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card

I open my Care credit account for the purpose of taking care of medical bills and medical fees. Purchases were supposed to be interest free until the promotional balance expired- if there was an expiration on those purchases. CareCredit has not been forthright with payments I made to them I've made multiple payments within the same month sometimes over the course of my account opening. Those payments were to be made towards the promotional balance on my account. The website does not allow consumers to pay towards those promotional balances and it is an inconvenience to call customer service to do so when there is a website available. Upon calling an agent, the services do not allow you pay towards promotional balances either, you must be routed to a customer service agent. I also noticed on my personal profile on the website all of the promotional balances are not listed. Rather they are expired, or terminated. The payments that I've made over the course of a year were supposed to be applied to the promotional balances specific to the listed dates. I applied for those credits to be applied over the phone today. Had those payments I made towards the promotional balance been applied I would not have been charged the high interest rates that exceed the balance on the promotion owed. CareCredit has been decitful in their tactics on listing all promotional balances and I want my card payment security fees waived for the course of the contract term if my application is not approved. There is no point of being charged for a service that was not utilized and therefore should not reflect in the rates and charges on my account- regardless to the terms and conditions, the practice is unjust especially when it effects the balance on the account. The promotional balance does show up on the statements but it does not show on the websites mobile or desktop. The agent could not explain why or rectify the issue. 

This has caused the card to be over the limit and it is effecting my credit score. Had the payments been applied to the promotional balance the intrest on the promo balance wouldn't be so high ; resulting in me being entrapped with high interest rates.
Product: Mortgage

First of all, the bank 's attorney did not give me proper notice of a court date. As a result I now have a sale date. I am the trustee of my mother 's estate, and I have a cash buyer that contacted me on XX/XX/2023 about wanting to submit a cash offer for my mother 's property, and can close the transaction in 30 days. The estate of XXXX XXXX XXXX. I was told there was not anyone that could speak with me or the buyer until XX/XX/XXXX. The agent gave me conflicting information so I asked to speak with someone that could help me. 

This bank should allow me to explore every possible option until I have reached the sale date. To ignore me during this process when I have hired a real estate agent to handle this transaction for me is unfortunate. If I could do the transaction myself, I would ; but, I can't. 

I can only imagine what others are experiencing. 

Hopefully, I will be able to get a response from someone on this issue.
Product: Credit reporting or other personal consumer reports

Aidvantage is reporting balances to XXXX although my accounts were transferred to XXXX. I submitted multiple disputes with XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each dispute resulted in XXXX stating Aidvantage verified the debt therefore it can not be removed. I submitted another dispute with XXXX today, XX/XX/XXXX. 

My XXXX report reported duplicate balances from Aidvantage and XXXX up until XX/XX/XXXX. As of then, most of the duplicates from Aidvantage have been removed except XXXX for {$2400.00} and XXXX for {$2100.00}. These also show for XXXX. 

Additionally, I contacted Aidvantage on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time they informed me I do not owe any balances for them. However, they continue to verify the debt that I do not have. They have not resolved any issues or provided any conclusions of their internal review/dispute process. A supervisor with Aidvantage stated they will submit a credit bureau retraction on XX/XX/XXXX and I will be notified via email, within XXXX business days, of the results of the retraction. 

I have no faith Aidvantage will actually resolve the issue since they have were notified of this issue in early XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following fraudulent inquiries from my TransUnion Credit report : XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX  XXXX XX/XX/2017 XXXX/XXXX XXXXXX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017
Product: Credit reporting or other personal consumer reports

rely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Texas XXXX XX/XX/XXXX Dear ( XXXX ), I have reviewed my report recently. There were names and addresses on it that are incorrect spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the XXXX XXXX credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : XXXX. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, Texas XXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX 4. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXX XXXX. MY ONLY EMPLOYER IS : N/A I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 
Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the XXXX XXXX XXXX and are not reportable under the FCRA due to their inaccuracy. 
I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA. 
Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.

Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 
Sincerely, XXXX XXXX
Product: Prepaid card

i was incarcerated from XXXXXXXX to XX/XX/2024 exactly 1 year. my XXXX  XXXX  benefits were defrauded for that whole year. i never authorized any kind of transaction, so here in am filing a dispute with direct express i send them the letter of proof of incarceration to prov e i was XXXX  from the XXXX XXXX department as well as the police report that i filed. direct express wrongfully denied my dispute. i have the proof of incarceration as well as the police report. i tried to escalade it i called direct express and was told i can not escalate this situation, they told me i can only escalade this if i b ring new evidence. they have all the proof the letter from the sheriffs office as well as a full blown police report, there are also warrants out and the investigator had a judge sign the paperwork to press full blown charges for fraud on the two suspects a third one was added my investigator told me i reached out via email after they denied my dispute trying to escalate tis because what direct express is doing to me is wrong but they emailed me back with a phone XXXX  to call but they never call back so i emailed them on multiple occasions after i wasn't able to get a hold of them via phone but i get no response. then i got a voicemail from them with a different nr that i immediately called but that number doesn't work at all. then once when i called i got hung up on.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


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

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 U.S. DEPARTMENT OF EDUCATION : XXXX U.S. DEPARTMENT OF EDUCATION : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2. States a consumer reporting agency can not furnish a account without my written instructions.

15U.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 items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

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

In XXXX of XXXX, XXXXXXXX XXXX came to our brand new home and sold us solar panels. XXXX XXXX went through GoodLeap to finance the solar panels. My spouse and I been paying {$180.00} plus interest, along with paying our electric bill with XXXX averaging {$400.00} a month to only find out that XXXX XXXX XXXX XXXX  no longer exist as of XXXX of XXXX and have closed their door. We never have utilized the solar panel system, or had permission to operate advised by XXXX because inspections failed. We contacted GoodLeap to cancel the loan, which they said no to, but we do have have the service and they advised we will also pay accrued interest if we stop payments on a service that we never used. The service has been breached and GoodLeap advised they were going to have a contractor out a month ago, but they did not follow through, but threatened to send us to a collection agency if we stop the auto draft payments from coming out of our bank account on the XXXX  of each month, but we received the service for. We want to cancel this loan with Good Leap and get reimbursed for our payments plus the interest we paid on a service we never received and not to be financially penalized. This account originated between XXXX XXXX XXXX XXXX XXXX, GoodLeap, my spouse and I terms, but due rot XXXX XXXX XXXX XXXX breached the agreement and terms, and we never received the service we are still paying on is just been a nightmare for my family and I.