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

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING ; I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. ACCOUNTS 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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT U S DEPT OF ED/GSL/ATL 33 POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$8600.00} Balance updated XX/XX/XXXX Original balance {$8400.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Open. 
Status updated XX/XX/XXXX Original balance {$8400.00} Monthly payment {$0.00} Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor XXXX XXXX XXXX Comments- Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXXXXXX XXXX  XXXX , IA XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Checking or savings account

I Opened an account in XX/XX/2024 in response to an offer for {$900.00}. The night I opened the accounts I had problems and notified the bank. The acknowledged that I had done things correctly. I have met ALL of the requirements for the {$900.00} offer ( open checking AND savings w Direct Deposit and Min Balance ) and have called THREE TIMES to resolve the issue. The first time I called, as I mentioned was the day I opened the accounts to let them know that the " flow '' didn't work properly in their system. I KNEW they wouldn't recognize I opened the accounts the same day. The second time I called ( XXXX ) I waited for 20 min to speak to a supervisor- I said I had to get to a meeting and was told I would have to call back. Then I called again and was told a supervisor would have to call me back. Then someone called me back ( XXXX ) to verify the details of my case and said someone else would be calling me back. I haven't heard from anyone.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX someone gained access to my account, changed my XXXX  receiving email and sent {$380.00} to a new added email from my checkings account. I submitted a Claim with USAA and they said I was laiable with no explanitaion, I escalater the claim to their ERT department and same result with no explanation. I have asked several times amd they haven't solve anything. They made me create a new checking account and change all my login information. Still to this day they haven't resolbed the issue. I had XXXX  XXXX on XXXX and haven't been able to leave my home, also military orders keep me at my location, one of the agents did say they could see logins from an XXXX device, I do not own any XXXX  devices, and that the IP was also in Georgia but no where near my location. This has been frustrating and they have shown little to no interest to resolve, Inever receive a call or email, I always have to chase them to try and get answers, and to some {$380.00} might not sound like much, but military pay is not that great, we do it for our Country. And to have a bank that is dedicated to service members to treat them like they are guilty of being a victim is concerning. I hope CFPB os abpe to help me resolve this since I did not make or approve that transaction and they are treating me like I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts on multiple occasions however they are still reporting them incorrectly. 

XXXX XXXX is only reporting on my XXXX with an inaccurate date opened, no date last verified although I've disputed this account for almost a year and most recently being 1 month ago. 

XXXX XXXX  card is only reporting on my XXXX with no date last verified and the last date reported XX/XX/XXXX. This is an account I'm actively disputing but they return " updated and verified ''. My last payment date is showing XX/XX/XXXX which is inaccurate and they have not sent me verification. 

XXXX XXXX XXXX is showing inaccuracies on the 30 days late, 60 days late and 90 days late. How is this account showing 90 days late 24 times consecutive? 

The following accounts have all been transferred to a student loan fresh start and should not be showing delinquent or derogatory on any of my reports. The USDEPTOFED are also duplicates and need to be removed immediately.

DP OF EDUC XXXX- This account is part of Fresh Start with US Department of Education USDEPTOFED XXXX- This account is a duplicate USDEPTOFED XXXX- This account is a duplicate USDEPTOFED  XXXX- This account is a duplicate DEPTEDXXXX XXXX - This account is showing as a duplicate and is part of the fresh start program with the US DEPT of ED. 

XXXX XXXX XXXX XXXX this account is showing on two bureaus with mismatch information such as " date reported '', " creditor remarks are also inaccurate '', last payment is also a huge inaccuracy showing XX/XX/XXXX on XXXX and XX/XX/XXXX. The date of last activity on this account also do NOT match. 

XXXX XXXX- this account was a bogus debt from XXXX ( XXXX ) they credited my account and my balance to XXXX. This should be removed IMMEDIATELY XXXX - This account was recalled by comcast and no longer was reported by XXXX however the bureaus refuse to remove it after multiple attempts.
Product: Credit reporting or other personal consumer reports

COMPANY TRANS UNION THAT WAS BUILT ON SLAVERY, HAS VIOLATED MY CONSUMER RIGHTS. THERE IS A FRAUDULENT ACCOUNT THAT WAS DISPUTED AND REMOVED IN THE PAST BACK ON MY CREDIT PROFILE. XXXX XXXX XXXX. XXXX XXXX XXXX WAS DISPUTED BEFORE IN THE PAST AND REMOVED. WHY HAS THIS FRAUDULENT ACCOUNT REAPPEARED BACK ON BY CREDIT PROFILE? COMPANY TRANS UNION ONCE AGAIN HAS VIOLATED LEGAL CONSUMER LAW 42 US CODE 408 - ILLEGAL TO ASK FOR SOCIAL SECURITY NUMBER. I HAVE SENT COMPANY TRANS UNION LETTERS TO REMOVE THIS INFORMATION OFF OF MY CREDIT REPORT BECAUSE IT IS MY RIGHT. THIS ( 15 US CODE 1681 e ( b ) - MAXIMUM ACCURACY AND 15 USC 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ). WHAT PERMISSIBLE PURPOSE DOES THIS COMPANY THAT WAS BUILT ON SLAVERY HAVE BY NOT HONORING MY REQUEST TO REMOVE SENSITIVE INFORMATION OFF OF MY CREDIT PROFILE? PLEASE CORRECT ALL ERRORS
Product: Mortgage

The principal owed on my mortgage is far less than 80 % of the value of my home. I was told by Rushmore mortgage that my PMI can not be removed for at least another 5 years. 

Is this correct?
Product: Credit reporting or other personal consumer reports

I am writing to convey my deep frustration, anger, and disbelief regarding your handling of the fraudulent accounts that have appeared on my credit report. Despite my numerous efforts to resolve this matter and my thorough submission of all necessary documentation, including the FTC Identity Theft Report, these fraudulent accounts remain unresolved, and my credit report continues to display inaccuracies that are severely affecting my financial standing and peace of mind. 
I brought these fraudulent accounts to your attention with the understanding that an investigation would be conducted and that the accounts would be removed if found to be fraudulent. Since then, I have sent multiple letters and provided all required documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence I have presented, I am deeply frustrated that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received a satisfactory resolution or clear communication regarding the status of your investigation. 

It is extremely disappointing to experience such neglect and lack of responsiveness from an institution that plays a critical role in protecting consumer financial information. The continued presence of these fraudulent accounts is not only unjust but also a significant violation of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I never answered the call, but I 've recieved an automated message saying " We have an important message from a United Consumers. This is a call from a debt collector. Please call us back at XXXX XXXX XXXX or at XXXX XXXX XXXX. I do not pay any bills as I do not have my own house or any bills addressed to me, therefore I do not have any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

One on my credit report is with XXXX XXXX XXXX XXXX XXXX XXXX BANK USA XXXX. 


XX/XX/XXXX {$600.00} The date is incorrect, its been more than 6 years & in the state of Arizona that is past the statute. The next one is with XXXX XXXX and I'm pretty sure its the same charge from XXXX   XXXX from XX/XX/XXXX or before that year? It shouldn't be on any of my credit reports. 

XXXX XXXX XX/XX/XXXX {$880.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I paid off in full my XXXX XXXX XXXX that I was the co-signer on with my now deceased mother, XXXX XXXX. I mailed the check in and by XXXX XXXX the check cleared. I paid the total balance of {$12000.00} to Credit Acceptance. I received a lein release letter sometime in XXXX and by the end of XXXX the account was considered as closed and paid in full on my XXXX and XXXX credit report. 

For some reason, it never cleared on my XXXX. I filed XXXX disputes to say that the account was paid XXXX denied the dispute. I called Credit Acceptance and they stated that the information was shared with the credit reporting agencies. I called XXXX and their advice was to file a third dispute. It is currently showing that I am XXXX  days late although I have paid it off in full and the accounts has not been reported since XXXX XXXX. ( According to XXXX XXXX ) I am not sure what to do. Please note that Credit Acceptance misspelled my street name. It should be XXXX XXXX, not XXXX XXXX. I have uploaded XXXX files to prove that I have paid my debt to Credit Acceptance off in full. Their phone number is XXXX. My account number is XXXX.
Product: Student loan

My student loan company Navient has more than doubled my repayment plan and my salary has stayed the same. When I applied to lower my payment, my payment doubled. I am single and on a fixed income. My salary has NOT doubled however my payments have doubled.
Product: Credit card

I've asked for these accounts to be updated without any late payment remarks being added to my credit report.I consistently make timely payments. I'm certain about this. What I'm unsure about is why this company is reporting me as late for certain months, which shouldn't be the case. According to USC 1666b, any billing errors should be corrected, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days
Product: Credit card

The American Express XXXX XXXX Preferred Card was issued by mail and I did not receive the card. I contacted American Express, advised that I did not receive the card. American Express notified me that they would ship a replacement card via XXXX XXXX Delivery. I did not receive the card. The card was allegedly shipped by for XXXX delivery several more times over the next two weeks. I finally received the card more than a month after I was initially told that I would receive the card. I was contacted by American Express Card Member Services and was advised that I would receive either XXXX points and XXXX credit for the problems with the delivery of the card. I later determined that was a confusing promise by Amex, as the XXXX XXXX Rewards card accumulates a cash credit and not point credits. I never received the XXXX credit or the XXXX point equivalent as promised. When I called Amex Customer Service there were no notes in their system regarding the previous conversations or the issues with the delivery of the card. I was a previous Amex cardholder through XXXX for years and I have come to expect a certain level of customer service from American Express. I am embarrassed that my customer service experience through American Express has not been as pleasurable as my American Express Customer Service experience through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Dear XXXX XXXX : This letter is in reference to the negative payment reporting from XXXX XXXX, that is now listed on my credit report. I called customer service last week and I spoke to two individuals, whom I was trying to get this issue resolved. The first representative with whom I spoke with was very rude and not pleasant in reference to my concern I wanted to address. The second person I spoke with presented me with the information, I needed to submit a letter to XXXX XXXX reporting department. I have been a customer for a number of years with XXXX XXXX with which I had an auto loan that was paid off and credit cards in addition. The XXXX credit card however is the issue. I did not receive a statement from XXXX XXXX in two months, I was not aware a had a little balance on the credit card. I assumed I paid off the balance. My statements are sent electronically, but however I did not receive the two statements. Sure, enough if I had received the statements, I would have paid on time as I have done. I am sorry I just did not receive the statements. I checked my spam folder in addition, and I did not receive any statements from XXXX XXXX. What prompted my quick attention to my account was an email I received that stated I was two months behind. I could not believe this has happened to me, as this have never happened before. If you were to review my payment history on all three of my credit reports, you will see I have never missed not one payment on any of my accounts. This impact from XXXX XXXX have destroyed me credit report and I understand XXXX XXXX may show that my statements were sent out. I would never miss any payment as I want to keep my credit history up to standards. However, once I received an email from XXXX XXXX about the missing payment, I immediately that day made a payment of {$150.00}. I would never miss a payment without first calling XXXX XXXX and working out an arrangement. I would ask if you can please forgive this mishap and report my payment history back to great as it was before. I appreciate your assistance with this matter. I also appreciate the time you took to read my letter. Any questions or concerns, please feel free to call me at : XXXX. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

None of the options above fit my complaint ( had to pick one ). BC Services debt collectors, used my name on a message to get me to call them, and then when I called the representative asked about a debt for some one else, who I do not know! When the representative looked at some info. after I confirmed my phone number, she said there is some information about you. I said what info. and she said I need your DOB. I said I would not give her any more info., as her company called me. 

She said, then we will send this in the mail. I said what info. are you talking about. She said, I need your DOB in order to give that info. to you. Again, I said you called me. Conversation ended, and to say the least, the tactics and practice used by this debt collector is not acceptable. 

Do n't use my name and then make it sound like you have some dirt on me in order to get me to give you more information!!
Product: Debt collection

I chose that they contacted my employer but that 's not even the main issue I have. My complaints are with accounts research on XXXX XXXX XXXX XXXX XXXX tn. I spoke with XXXX. He has contacted me about debt collection of a {$480.00} bill. With how busy I have been being in and out of the hospital, taking care of my toddler, moving, etc. I was just now getting back with them today. They called my husbands place of employment. Which we definitely never gave them permission to do but I still called them back because I realized I needed to make a payment on the account. So I called this morning and offered to make a {$50.00} payment today and start up a payment plan and they refused my payment. I was told that I either had to pay half today then half in thirty days or pay all today. Otherwise it would be turned over to court. So distraught I got off the phone while I was trying to figure out my options. I literally do n't have the amount of money they requested. So I was scared of what was going to happen. I called the doctors office that the bill was originally with and tried to find out if they could get the bill back so I could start a payment plan with them. They told me they had signed a contractSaying that they could n't do that so I called XXXX this afternoon and this time I recorded the phone call. Not only did they not verify my identity, he basically called me a liar about speaking to the Drs office, he called me irreasonble because I could n't pay the amount that he is requiring, and refused payment once again. He also ended the conversation by stating that he was n't willing to work with me. Now I understand that I owe a debt and that the debt has went on longer than it should have but now that I 'm able to start paying a little on it at a time I should n't be told no. I definitely should n't have to deal with someone that wo n't even consider working with me. Life happens and sometimes you do n't have {$500.00} spare to spend out but since I was trying to take care of it a little at a time I believe this situation should have been handled a whole lot differently. Once again I did record the final phone call that I can email to someone if they need proof of this interaction. I thank you so much for taking my complaint into consideration.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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.