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

XXXX XXXX, 2023 Dear sir or madam, I requested assistance from your agency and submitted a formal complaint disputing inaccurate information on my consumer credit reports with Experian reporting agency on XXXX XXXX XXXX 
As per the FCRA, Experian is required to conduct an reasonable and fair investigation and provide evidence that I requested before the end of 30 days, or an additional 15 days to reinvestagate. 
I reported errors to be corrected and removed from my personal information. As well, I contacted Experian 's fraud department and reported fraudulent activity that violated my consumer privacy. 
Experian, determined my disputes as irrelevant and willfully failed to conduct a reasonable and impartial investigation. Willfully refused to provide the evidence and documentation of the investigation. ( I requested verifiable documents for evidence. The names of representatives they contacted, the lenders or companies that provided the information to be accurate. Original applications, " XXXX XXXX '' signed and authorized mulitple requests submitted to the same institutions for various loans or lines of credit that is reported verified. ) Nevertheless, as per the FCRA the time they had to do an investigation/reinvestagation is now over which violated my consumer rights. Correct my personal information, remove old accounts past 7 years and older, and the mulitple/duplicate hard inquires be removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you in advance for your attention in this matter. 
I will govern myself according, XXXX XXXX XXXX a side note : The customer service Experian XXXX department is providing is unacceptable. ( I believe many businesses fail to remember without their customers they will not be in business, or they will lose their business and credit worthiness. )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX I am sending this letter in regards to the time frame of 1 year that I have sent several certified written requests by mail and realized their were no responses, so I decided to contact you through this portal to make sure this message is recorded and by witnessed by The CFPB, FTC, Georgia Clerk Of Courts. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be removed immediately and permanently within 24 hours. I am disputing the erroneous information as an internal dispute/affidavit your company is falsely acccusing me of. I dont know what affect it could be because I was once an identity victim also I have been affected by several breaches with Equifax, online over the internet as well. 
You have placed erroneous information on my credit file that includes a debt that Im unaware of A : 1. XXXX  XXXX XXXX XXXX 2. XXXX  XXXX. B : XXXX XXXX  - 1. XXXX   XXXX 2. XXXX  XXXX 3. XXXX  XXXX 4. XXXX XXXX. To my knowledge your are violating me and my rights trying to collect a debt you claiming I owe and that I am unaware of. It is impossible to collect a debt that you didnt verify 100 by taking the correct steps for verification along with providing me an original contract with my signature on it. By law you are required to remove the debt permanently and immediately. I am demanding that this debt is removed within 48 hours of this  receipt. This is the final attempt to contact you.
Product: Credit card or prepaid card

I had my identity stolen my car broken into my card funds stolen they got everything I filed a claim with bank of America prepaid paid claims dept to no avail they keep denying the claim they lie just to denied it this is very frustrating cause of tuff financial needs for myself they do not do wat they advertise at all I need this fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

First Advantage Consumer Center has submitted misinformation to XXXX that might cost me my job. This company is requesting w2s from XXXX and I can not gain access to them. 
My IRS file goes back to XXXX. These are addresses phone numbers and employment history that belong to the thief.. The outdated information was removed months ago from my credit reports since they resulted from identity theft. This may have cost me the job I had applied for. I will press charges against this company if this costs me my job.
Product: Credit card or prepaid card

On XXXX, a fraudulent charge of {$210.00} was applied to my Citibank debit card ending with XXXX from XXXX XXXX XXXX hotel in XXXX XXXX, CA. I have contacted Citibank to close the account, sent a report to XXXX XXXX XXXX XXXX XXXX reported the matter to my local police dpt. I last used the Citibank debit card at the XXXX XXXX XXXX hotel on XXXX where it was apparently hacked. This type of theft has happen several times before at a local business. Looks like there is absolutely no protection against this kind of theft for a consumer or card holder. I will be going with CASH from now onwards. 
Thank you for accepting this report, XXXX XXXX
Product: Credit card

After providing sufficient evidence that the merchant ( XXXX ) should have reversed the charge and did not, they continued to side with XXXX and reinstated the invalid charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022, I discovered that a new credit account was opened on my credit report. This account had been fraudulently opened without my consent. I immediately contacted the creditor XXXX and was informed that the account was opened at a car dealership in California. I was given an account number for reference.
Product: Mortgage

SLS refuses to give me the proper XX/XX/XXXX XXXX. They keep insisting because THEY liquidated XX/XX/XXXX that we should get a XXXX XX/XX/XXXX. This is against IRS rules which clearly states that as long as an account was paid XX/XX/XXXX then the XXXX must be for that year. It is clear from the statements provided that the account was settled and paid per agreement in XX/XX/XXXX. The reason this is so important is because according to the IRS as long as it was settled in XX/XX/XXXX we do not have tax liability.
Product: Credit reporting or other personal consumer reports

1STProgress/XXXX, reported me 30days delinquent and I am not delinquent. I made my payment on time, and the company returned the payment. I have an excellent payment history and never missed a payment. The bureau shows i paid XXXX XXXX, and XXXX is showing 30 days late while we are STILL IN XXXX! I resubmitted the payment on XXXX XXXX XXXX XXXX XXXX XXXX for {$180.00}. I have attached copies of bureau as well. In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report.This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


Account noXXXX XXXX XXXX
Product: Checking or savings account

XXXX have XXXX checking accounts and XXXX accounts and a savings account totaling between XXXX monthly. I send checking account ( which is my childrens school account ) has been getting charged fees for XXXX consecutive months. I have called XXXX  times to request a refund and fix the problem going forward- all XXXX  times they told me the fees will be refunded and the problem is fixed. This has never happened no fees refunded and problem not fixed. Also when I walk in the branch in XXXXXXXX XXXX XXXX They will not help me and tell me to call the XXXX number-
Product: Credit card or prepaid card

XXXX XXXX XXXXXXXXXXXX To disputes XXXXXXXXXXXX XXXX XXXX office dispute Case number : XXXX I did not receive the merchandise because I came to XXXX XXXX XXXX XXXX XXXX XXXXat XXXX XXXX XXXX XXXX pa XXXX, thinking that they would fix my XXXX XXXX of my XXXX since I use XXXX XXXX, since I only need XXXX XXXX, but when they the XXXX XXXX XXXX XXXX XXXX XXXX office, when they put the XXXX XXXX on me that would have been the prescription according to them it would have been for the XXXX XXXX XXXX, when they put them XXXX on me, I could not see not even 3 feet away from me and without them XXXX I told the Dr. that Im able to see far away without those XXXX on than with them XXXX meaning that with them XXXX XXXX my far vision was off, but they when ahead any ways and gave me a next appointment for the XXXX, Im in a fix income, I have XXXX from the medical assistance office, and I been going to my regular XXXX XXXX. and he says that my far vision is better than 20/20 the only thing I need is my XXXX XXXX, my next appointment to my regular XXXX XXXX comes in XX/XX/XXXX and my last visit was in XX/XX/XXXX. That office : XXXX XXXX XXXX XXXX XXXX XXXX only wanted to take the money and wanted to take my far vision off just so I can read I only need XXXX XXXX and not my far vision to be taken off I need my far vision for everyday activities including driving, I felt like this was a sales meeting with them, because a responsible Dr. would have say well you cant see far away with the XXXX XXXX this means that you are not a candidate for XXXX XXXX XXXX because you do not need it and you only need XXXX XXXX, and I would only go ahead and do the XXXX if you want it as a want, with me and you knowing that your far away vision goes away with the XXXX XXXX which would be the prescription for the XXXX XXXX but only if you want it because you dont need it and I do not want your far vision to be taken off only so you can be able to read.

So Im not a candidate for XXXX XXXX XXXX because I do not need it, because this office base on my experience with them could find everyone to be a candidate even if you dont need the XXXX, to me I do not need it and it would have been a want that would have ruined my far vision only to be able to read without XXXX XXXX. ALL I NEED IS XXXX XXXX I DO NOT NEED ANY XXXX XXXX XXXX THAT WOULD HAVE RUINED MY FAR VISION. 
I did contact their office right away at ( XXXX ) XXXX for they to refund that money back to my credit card but they did not and on XX/XX/XXXX someone from their office called me asking me if I agree for they to refund my credit card the amount of {$200.00} dollars but I told them that I need the full {$400.00} refunded to my credit card because that is what they took out of my credit card as down payment for the XXXX and whatever they did there was misdiagnosis on my XXXX because I did not needed I need that money back {$400.00} in my credit card because I live with a budget in low income and I struggle to cover my expenses as a XXXX dad Thank you Case number XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX , am a victim of identity theft. There are multiple fraudulent accounts on my credit prole from various companies like XXXX XXXX, XXXX XXXX XXXX XXXX XXXXY and egregious collection accounts from XXXX XXXX and XXXX & XXXX. I demand that all negative/adverse remarks are immediately and permanently deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account from XXXX XXXX XXXX was reported to all three credit bureaus in XXXX of XXXX. I did not receive any prior notice and immediately requested the debt be validated or deleted. I was subsequently sent a letter from the company on XX/XX/XXXX stating that there is no such account in their office with my information. I am attaching that below. I disputed the debt with all bureaus. The account was removed from my XXXX XXXX XXXX bureaus based on the company 's inability to show a valid account matching my information. On XX/XX/XXXX, the collection account was removed from my TransUnion report. Upon checking my report today, I see that the account has been readded. I have not been sent any additional documentation, validation of the debt, or the notice required before a company is able to add a collection account to a credit report. For this reason, per the law, TransUnion is required to remove this account permanently and not allow it to continuously be added to my credit profile. it is detrimental to my credit health and damaging to my profile.
Product: Payday loan, title loan, or personal loan

I first applied in XXXXXXXX XXXX 2022. I have made all my payments and I still owe XXXX and that's because I pay {$350.00} a month. It is making it impossible to make ends meet. I pay two payments a month of {$170.00} and only {$30.00} goes into the principal. This can not be legal. I reached out to them but nothing has been resolved. I had my car repoed due to this loan because I could not make all my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was young and stupid, had a addiction problem and was having a baby. Wanted to buy my girlfriend a very nice promise ring. So I did. Ended up getting fired from my job I had. And could not make a payment whatsoever. Tried explaining to  XXXX  then DNF. I told them I would possibly be able to make a payment around  XXXX ,  XXXX     2017. B ut could n't. Was unemployed. I really learned my lesson, but there should be a forgiveness of this. I am just now  XXXX , getting my life together. And ca n't even get another credit card or bank account due to this. I do n't quite think company 's understand the harsh impact on young adults in this type of modern day economy/society. I am asking for this to be removed from Derogatory. I need to balance my life back out and start over.    DNF ASSOCIATES, LLC.     XXXX   XXXX   XXXX   XXXX , OH Another thing is the amount of inquiries I have on my report. Literally I do not understand how they have legal rights to sit and camp out on my report when they knew they were going to turn me down to begin with. I will list the companies and the dates in documents below. I am trying to start over. And o have not done anything to not deserve a chance to re-new. For all of you young folks, do not!! I repeat do not!! Open a account with ANYONE! Until you have your life together, or just have mommy and daddy to cover you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/1984 In accordance with the Fair Credit Reporting act The following agencies are violating my rights. 

XXXX XXXX  XXXX : Account Number XXXX XXXX : Account Numbers XXXX XXXX  : Account Number XXXX XXXX : Account Number XXXX XXXX : Account Number 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 : It also states a consumer reporting agency can not fumish 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 itern of information, other than records of convictions of crimes which antedates the report by more than seven years.

In 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.

I did not consent, so please remove accounts/late payments listed above
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Equifax credit Bureau end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiry listed below : XXXX XXXX XX/XX/XXXX
Product: Debt collection

I told the customer service representative about my current situation, as I had my son XXXX which completely changed our financial situation for the worst. After numerous calls, I talked to one representative who brought me to tears because she hounded me about getting a payment in even though I repeated that I don't have the means. She then told me to ask my parents. Then she asked me did I have any coworkers, friends, or neighbors that would pay off the ENTIRE {$7000.00} balance for me. She told me that people have neighbors and friends who do pay for people 's loans all the time, which is obviously a lie and a tactic to try to get the money by any unethical means. THIS IS HARASSMENT! 

Not only that how can you change a total balance from {$7000.00} to {$2000.00} to help, if I could produce the amount, but because I can't because I don't work to take care of my ill child, you inflate the amount at your leisure? 

This company has completely failed me and many other borrowers with their predatory tactics for borrowing and repayment and it should be illegal! This is a harmful company! 

They say every call may be recorded so I hope they have this one as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2017 I have sent in numerous written requests to the credit agency Experian in the matter of two accounts that appear on my credit from XXXX XXXX XXXX. I have requested debt validation per FCRA Section 609 of the Fair Credit Reporting Act ( FCRA ) refers to a consumer reporting agency 's obligation to disclose information to consumers upon request. Credit reporting agencies are required to make available all information in the consumer 's file, as well as the sources of the information on file. The information disclosed must also include the dates and original payees of all accounts. Further, Section 609 of the FCRA stipulates that consumer reporting agencies must clearly make consumers aware of their right to dispute information in their credit file. I have received nothing in writing, nor have I received any of the information by them validating this debt is mine. This is a clear and blatant violation of section 609 because nothing was provided to me. I have sent in a notice of deletion from the same company that appeared on my XX/XX/XXXX report but still no action was taken by Experian except a reply of this debt has been validated, but when I ask from proof of validation I receive no information or paperwork. I am humbly asking that this matter be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit reporting agencies are constantly reporting unknown accounts on my credit files, but still relaying on electronic Verification for these accounts inwhich by law does not constitute as proof. In addition these agencies are also using outdated technology that's contributing to the spread of misinformation being passed on and its harmful to consumers and their credit worthiness. My identity has been compromised a few times but the 3 major credit reporting agencies makes it no better. I'm hereby demanding that the credit reporting agencies XXXX and Transunion remove and block these unauthorized accounts immediately. [ 1 ] XXXX XXXX, [ 2 ] XXXX {$940.00}, [ 3 ] XXXX XXXX XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account on my credit report shows my old account was closed after a settlement, I did not do any settlement. I paid in full when I closed my account. 
I sent Experian the letter from XXXX, where its says this account will be considered paid in full I paid a total of {$160.00} on XXXX XX/XX/2021 I spoke with XXXX at XXXX recovery department ( her team number is XXXX ) on XXXX XX/XX/2021 XXXX from XXXX customer service documented on my account ********** I also called Experian several times, sent them all the documents they need, they are still putting account was closed in a settlement which is not correct. 
Please help me to remove this from my credit report. 
I hope you understand. 
Thank you. 
Sincerely ~ XXXX
Product: Debt collection

CREDIT MANAGEMENT IS SHOWING ON MY CREDIT REPORT AS IF I OWED XXXX XXXX  {$270.00} THIS IS NOT ACCURATE, I PAID THIS BALANCE TO XXXX  XXXX  PLEASE REMOVE THIS FROM MY CREDIT REPORT
Product: Credit reporting

In reviewing this public record, I have noticed that the date reported has been updated to the year of 2015. If you search and review my older reports it will show that this was reported prior to 2015. This information is incorrect and must be removed if proof can not be shown.
Product: Credit reporting or other personal consumer reports

Ive recently revived a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Debt collection

NAVY FEDERAL CREDIT UNION Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with NAVY FEDERAL CREDIT UNION. I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over { {$600.00} }. Please also enclose a printed copy of my payment history or you may also email it to me at the email that you have on file. Please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and Im at a loss as to how they got there. I check my credit regularly, but these discrepancies just appeared out of nowhere. I even refreshed my browser, hoping it was a glitch, but nothing changed. Please ensure that the documents I submitted are thoroughly reviewed so I dont have to keep worrying about this.
Product: Credit reporting

XXXX is notified on multiple basis and reuses to correct wrong information. If they correct it, its back on the report next month.
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple attempts to resolve this issue. XXXX XXXX is repeatedly reporting an older account as a charge off. No collection attempts have been made and the reporter continues to post charge off ( CO ) notices.