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

From XX/XX/XXXX to XX/XX/XXXX, the Credit Bureaus have done their best at ignoring my requests for the correction of the disputed accounts on my Credit File. The disputed account have been reporting erroneous information which caused for my Credit File to be damaged. I took my time to review my Credit File and noted the following : a ) there is an account reporting to have late payments when in fact I did not, I was never late in paying ; b ) there are charge off account reporting balance even though charge off account should be reporting XXXX balance ; c ) there are public information reporting even though I never filed for bankruptcy ; and d ) there are accounts reporting even though some of the accounts were already removed from the other Bureaus. I am requesting that the Credit Bureaus correct the following accounts from my Credit File by either updating the payment status or completely deleted from my Credit File : XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. This letter is a complaint that you are reporting inaccurate information. I respectfully request to be provided proof of recieving a billing statement via mail 21 days before my bill was due. Per my records I have always paid these accounts on time and never paid late my rights have also been violated. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is not correctly reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax to dispute these derogatory items that are reporting on my credit report and I was unsuccessful. I spoke to someone by the name of XXXX and she said that she would schedule a call with management and the issues would be resolved. I never got the call and there are still items on my credit report that are illegally reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE FRAUD ALERT OFF EQUIFAX, XX/XX/XXXX, XX/XX/XXXX
Product: Debt collection

I received a call from " XXXX '' and a " XXXX XXXX '', regarding an old XXXX credit card that was charged off in XXXX and then I settled with a collection agency in XXXX. He threatened to freeze my bank accounts, flag my vehicle plates and told me that if I were in the vehicle that I would get arrested. I faxed him a letter from XXXX stating that I entered a settlement and he told me that he was going to press charges against me for fraud. He spoke to my husband about this debt and that I was a horrible wife for racking up debt while he was off fighting a war.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your immediate assistance regarding several inaccuracies in my credit report. Despite numerous attempts to address these errors and having raised formal disputes on multiple occasions, I have yet to receive any resolution or corrective action. 

The disputed accounts have been improperly reported and continue to damage my credit file, resulting in significant financial hardship. The errors in my report are severely hindering my ability to maintain a stable financial life, impacting important aspects such as [ insert examples, e.g., securing housing, loans, or employment ]. 

I respectfully request a thorough investigation into the accuracy of each disputed account listed on my credit report. It is crucial that the necessary steps are taken to correct and update the erroneous information without any further delay. 

This matter is of the utmost importance, and I ask for your immediate attention to resolve it in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Your support in ensuring the accuracy and integrity of my credit report will help me restore my financial well-being. 

Please acknowledge receipt of this letter and inform me of the steps you will be taking to resolve this matter. I appreciate your cooperation and swift action in addressing this issue. 

Thank you for your attention to this urgent matter.
Product: Credit card

I checked my credit report on XXXX/XXXX/2016 to learn that Synchrony Bank closed my XXXX XXXX XXXX Credit Card for non activity and carrying a {$0.00} balance on XXXX/XXXX/2016. I called Synchrony Bank on XXXX/XXXX/2016 to re-open the account and they refused and told me to re-apply and that it can not be re-opened if closed for non activity. All my other creditors allow me to re-open accounts without a problem. Im not re-applying for another account just to have a hard credit inquiry on my credit report. These creditors get you coming and going.
Product: Credit reporting or other personal consumer reports

I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE FOLLOWING INFORMATION WITH XXXX, EXPERIAN, AND XXXX, AND UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED TO THIS DAY. 

XXXX This account is not mine : XXXX XXXX XXXX XXXX - XXXX Experian Incorrect Personal Information : Incorrect XXXX XXXX XXXX  - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
XXXX XXXX XXXX XXXX XXXX  - This in incorrect. Please remove this immediately and only report accurate information. 
XXXX XXXX XXXX XXXX  - This in incorrect. Please remove this immediately and only report accurate information. 
This account is not mine : XXXX XXXX XXXX XXXX XXXX Section 609 of the FCRA states that you're required to send me the original paperwork that verifies this account otherwise, this is false information. 

XXXX Incorrect Personal Information : Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This in incorrect. 
Please remove this immediately and only report accurate information. 
This account is not mine XXXX XXXX XXXX XXXX XXXX - Section 609 of the FCRA states that you're required to send me the original paperwork that verifies this account otherwise, this is false information.
Product: Money transfer, virtual currency, or money service

I purchased online and used XXXX from my checking account to pay for the product. The online vendor did not ship the order and didn't reply to my multiple attempts to contact them via email and phone. A representative told me that if you XXXX someone, it is like giving them cash, and I won't be able to get a refund. I gave up after hearing that.
Product: Credit reporting or other personal consumer reports

I just noticed a hard credit inquiry from Synchrony Bank on XX/XX/2023. There was no direct benefit or authorization for Synchrony Bank to access my personal information.
Product: Student loan

My student loans were turned over to Navient. They have really made it hard to make payments. My payments are so high and not affordable. They reported me to the credit bureaus without even giving me a chance to try to make repayment arrangements. My other loan company never did that. They always helped me and accepted smaller payments. Now they are trying to almost double my income based payment without even checking my income. It is so unfair and it is really causing hardship with my credit.
Product: Debt collection

Im requesting that you validate the debt below.

This letter is not a refusal to pay ; however, I would like to advise your company that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state.

( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned? ( 11 ). Copies of all letters sent to me from you and from the original creditor.

( 12 ). How much did you buy the debt for?

( 13 ). When was the last date a payment was made on this debt?

( 14 ). What fees/interest was tacked onto the debt?

( 15 ). How were the fees determined?

While validating this debt, you must cease all collection efforts until you can send me sufficient proof as listed above. If you choose not to send me the proof requested, you must delete the reference account from my credit report. 
Thank you for your time and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit card from XXXX Bank in the mail at my home. I never applied for this card or requested a card from them. 

I then go on to find that there is a hard inquiry on my credit report for this and showing a new account on my report. I never asked for this and highly believe that this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX FED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XX/XX/2022 XXXX XXXX OF PA XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report and saw that a company pulled my credit 3 times and they had no authorization to do so. This is illegal and is a violation of my privacy. This has also had a negative impact on my credit and is causing the process of obtaining a mortgage loan to be a bit more difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Manager ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) the ability of the consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had called on XXXX/XXXX/XXXX to get a payoff amount, I spoke with the new American Funding representative that stated I had a payment due. I explained to her my situation that Im going through a tough and stressful divorce that I wouldnt be able to make it. But that on XXXX/XXXX/XXXX New American Funding would be receiving full payoff. I had to sell my home due to the divorce. After being done with the conversation I understood I would be ok because XXXX XXXX XXXX would be receiving their funds in 5 Days. But now I am trying to get approved for a new home loan and can not get it because I had a misunderstanding and new American Funding report a late payment to my credit. I have never had an issue with them the whole 3 and a half years I was with them. I spoke with he XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX didnt get much help from him. I called back in the morning XXXX/XXXX/XXXX XXXX my time ( Texas ) and had to tell the whole thing all over to a representative in home retention ( XXXX ) She took the  message and said the manager above XXXX was in a meeting but would give me a call later in the day. I never got a call back. I called again and spoke with another home retention representative which couldnt or wouldnt get me to a manager. She just kept saying well new American Funding would not remove something from he credit. All I wanted was some help to fix this misunderstanding that happened because of their communication. And got nothing in return but a no we cant or we wont do that, even after receiving full payout this morning ( XXXX/XXXX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The court has sent me the attached affidavits swearing that they do NOT verify or validate any public records with Transunion. Both these inaccurate and unverified accounts need to be removed immediately it's against the FCRA To report inaccurate and unverified accounts U.S BANKRUPTCY - XXXX U.S BANKRUPTCY - XXXX ON XX/XX/21 FILE NUMBER XXXX TRANSUNION SENT ME A LETTER STATING THEY VERIFIED BOTH ACCOUNTS WITH THE COURT HOUSE WHICH IS 100 % FALSE they do NOT verify or validate any public records with Transunion.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a certified letter to each of the credit bureaus requesting that the incorrect information on my credit report removed. As of today, XX/XX/XXXX, I have not received any communication pertaining to this matter. My full name is XXXX XXXX XXXX XXXX My birthday is XX/XX/XXXX and my correct and only address is XXXX XXXX XXXX XXXX XXXX GA XXXX. All other information needs to be removed immediately. This is the letter that I sent : I am writing to formally demand the immediate removal of incorrect personal information currently reflected on my credit report. My full name is XXXX XXXX XXXX XXXX, and my date of birth is XX/XX/XXXX. My correct and only address is XXXX XXXX XXXX, XXXX, GA XXXX. 

The following information on my credit report is incorrect and must be removed immediately : Name Discrepancies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple variations ) Previous Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, LA XXXX I demand that all incorrect names, addresses, and other personal information be removed from my file immediately as they are not accurate or relevant to my credit history. This erroneous information could impact my creditworthiness and lead to further confusion. 

I expect prompt correction of my file and written confirmation that this matter has been resolved. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of Birth : XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

Repeated calls from a XXXX XXXX Indiana number that says " Hi i am calling from Dynamic Recovery Solutions, a debt collector. I wanted to discuss a matter with you today. Please give me a call back at XXXX. Again that number is toll free and it is XXXX. I look forward to hearing from you ''. I have no debt that I know of, no idea how they got my phone number.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Credit Department I am writing in regard to the account with your company, which is associated with the following information : Account XXXX Your Name : XXXX XXXX Please note that I am not disputing the debt in question. I am simply requesting the following details for my records : XXXX. Date of First Delinquency The first date that the account became delinquent. 
XXXX. Date of Last Payment The most recent payment made on the account. 
XXXX. Date of XXXX The date the account was charged off. 
XXXX. A copy of the XXXX showing the charge off information I kindly ask that you provide this information as soon as possible. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information to process my request. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX
Product: Debt collection

Did A dispute by in XXXX and still havent heard back from the company
Product: Credit reporting

I recently removed a name, addresses, phone numbers, an account, and a hard inquiry from my account that belonged to someone else with the same first name and a similar SSN. There are XXXX more hard inquiries from XXXX XXXX ( XXXX XXXX 2015 and XXXX XXXX 2015 ) that do not belong to me. These are the last XXXX hard inquiries that need to be removed from my Transunion report that do not belong to me. Just like the first time, Transunion claims they can not remove them without letters from the creditor, while the creditor says they can not send me any letters since I am not a customer of theirs ( which is true- since I do not have an account with them ).
Product: Credit card or prepaid card

I was given a {$200.00} American Express Gift Card from my former employer a 3-4 years ago. The card is clearly marked on the front of the card with an expiration of XX/XX/XXXX ( XX/XX/XXXX ). The back of the card also clearly states " Funds do not expire ''.

Went to use the card on XX/XX/XXXX and the store told me it had a XXXX  balance. Didn't think I had used the card so I called the customer service phone number on the back XXXX to find out why it had no balance. Long story short - they told me it was a state/federal law that required them to XXXX the account one year from issuance. They told me they cold re-issue the {$200.00} balance - but they needed to talk to the person the card was issued to ( former employer HR department ).

American Express contacted the HR assistant at my former employer and told her she needed to email them various pieces of personal information, i.e., DOB ... then they could re-issue the {$200.00} balance to the card. The HR assistant is not comfortable with sharing that information.

Reached out to American Express a second time and tried to speak to a manager to try and get this issue resolved. Long story short I was transferred to their XXXX customer service department - which could not put me in touch with a manager. I was told there was no manager on site, I was not allowed to leave a message and my only option was to continue to call back and hope I caught a manager ... What the XXXX!

American Express is stealing the {$200.00} and it's a complete travesty that they can clearly advertise an expiration date that's completely false. It's ridiculous what they are making me go through after I've spent thousands of dollars with their company.

The card was issued in the state on MN and MN Gift Cards do not expire per a XX/XX/XXXX state law. I want my {$200.00} back!
Product: Credit card

I opened in late XXXX stating my Upgrade account is now 95 days past due in the amount of {$85.00} and requires my immediate attention to avoid charge off. The letter further stated I needed to contact Upgrade by XX/XX/XXXX2025 to avoid charge off. My mother was seriously ill and passed away on XX/XX/XXXX. This is why id did not open the letter until after XX/XX/XXXX/25 -- the letter was dated XX/XX/XXXX and like arrived around her date of death. Upgrade never sent notices of debt by email or physical copies. I have not record of the balance owed from Upgrade, but was told on a call that the only notice of debt sent to me was the XX/XX/XXXX letter. I was unaware the card was activated or used. The lack of notices of the debt kept me from paying this debt. On the call, Upgrade also told me they tried to call. Again, my phone has a spam filter. They should sent a timely notice of the debt owed to me, including the full balance of debt. I never received any notice of the debt until the XX/XX/XXXX letter threatening charge off that contained no balance information. When I called twice, the told me the balance is {$480.00}, but would not provide me details on the debt by mail or take my payment. Both times I asked to speak to someone to pay the debt and talk about the lack of notice and they refused to talk to me. They said this debt would be sold now that it is a charge off. I do not want a collection and charge off on my credit because the failed to notify me of the amount owed and properly bill me. Again, I tred to pay the balance after the XX/XX/XXXX25 date twice to avoid impact on my credit report, especially for such a low balance, and they would not give me details of the charges or let me pay the balance to avoid harmful impact on me. They said the only thing I can do is call on XX/XX/XXXX25 for the " debt sale '' as they are selling it to the highest bidder then. This is not fair or legally compliant practices. I have a right to timely notice of my debt, including the balance owed.
Product: Money transfer, virtual currency, or money service

Coinbase offered a new coin on their exchange. I sold {$48000.00} worth of Ethereum to purchase the new coin. I put in a market order to purchase the coin as soon as it went live on the exchange. I got a buy at {$6000.00} per coin, more than double the normal asking price, however, this is not the problem. I immediately attempted to sell, since the price went up to {$8500.00} per coin, but the exchange went down. I couldnt sell my coins since the exchange was closed seconds after it was made open. After hours of deliberation, they decided to reopen the market for the coin the next day. I immediately knew the repercussions that would arise from this and contacted Coinbase for action. They let me buy at exorbitant prices, then deliberately drove the price down by allowing orders to post for much longer. They even stated that their goal was to increase liquidity, or make the price stable. RIGHT AFTER ALLOWING ME TO BUY AT RIDICULOUS PRICES. I bet on the market going crazy, and I was right. Had they left the market open, it would have stabilized on its own, and I would have gained nearly a 50 % profit. Instead, they themselves gained a huge profit by allowing their coins to be sold at almost 3x asking price, then conveniently shut down the server and stabilized the price. How convenient for them. Market manipulation. Insider trading. Theft.
Product: Debt collection

This started with a dispute with a leasing company ( XXXX XXXX ) that claimed that I owed them money. They threatened legal action but instead went to a collection agency NCC Business Services , Inc. NCC sent a collection notice in the mail and I requested that they send proof of what they claim I owe. They in turn began to call me at home and work so I requested that communications be done through correspondence. After that I received a final bullying call to my cell phone and I reminded them to send a letter, instead they attacked my credit and reported negatively to credit agencies. I have yet to receive proof of what they claim I owe but somehow they have the right to tank my credit?