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

Please review the following : Account # XXXX - XXXX XXXX XXXX XXXX : This debt has already been sold and yet is still being reported with a past due balance on my account. The account was sold to XXXX XXXX. Please have this removed for inaccurate reporting. 

Account # XXXX - XXXX XXXX : This account is a part of the Ally Financial v. Haskins Class Action Settlement. One of the benefits of being involved with this settlement is having this account deleted from all three credit reports. It has still not been removed after multiple disputes and verbal confirmations that the account would be removed by XXXXXXXX XXXX XXXX 

Account # XXXX - XXXX XXXX XXXX : This account has continuously been reported inaccurately throughout all three bureaus. One bureau shows this account is open with a balance owed while two others show it is closed with a balance owed. After numerous disputes, this account inaccurately remains on my report. Charge off is a write off to the IRS, any balance is non reportable. 

Account # XXXXXXXX XXXX XXXX- This account has violated my rights to privacy. According to 15 U.S.C 1681 Section 604 A Section 2, a consumer reporting agency can not furnish an account without my written instructions. The open date, close date, and date of last activity on this account have all also been reported inaccurately throughout the bureaus.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the continuous reporting of a late open account on my credit file, as maintained by Equifax and XXXX Credit Bureaus. Despite multiple attempts to correct this inaccurate information, it continues to adversely affect my credit profile and financial standing. 

The late open account in question is associated with Credit Bureaus, and it has been inaccurately reported as late, despite my diligent efforts to ensure timely payments and compliance with all contractual obligations. This erroneous reporting has resulted in a significant negative impact on my credit score and financial opportunities. 

I have taken the following steps in an attempt to rectify this situation : I have contacted Credit Bureaus, on multiple occasions to dispute the late open account entry and request its removal from my credit report. However, my requests have not yielded the desired results. 

I have provided documentation and evidence to demonstrate that this late open account reporting is inaccurate, including [ mention any supporting documents you have, such as payment records, correspondence with the creditor, or any other relevant proof. 

I have initiated disputes through your bureau, attaching all the necessary documentation to support the legitimacy of my claims. Regrettably, these disputes have not led to the correction of the inaccurate reporting. 

The continuous presence of this inaccurate information on my credit file has not only hampered my ability to access credit but has also caused considerable emotional distress and frustration. It is essential that this matter is resolved promptly to ensure the accuracy and integrity of my credit report. 

I kindly request the following actions to address this issue : Conduct a thorough investigation into the late open account reported by Credit Bureaus and verify the accuracy of its late status. 

Coordinate with Equifax and XXXX Credit Bureaus to rectify this error by promptly updating my credit file to reflect the accurate and timely opening date of the account. 

Provide me with written confirmation of the correction within the exact timeframe from the date of this letter. 

Implement measures to prevent the recurrence of such errors in the future and enhance the accuracy of credit reporting. 

I understand that accurate credit reporting is essential for individuals ' financial well-being, and I expect your bureau to uphold the highest standards of integrity and accuracy in this regard. I am asking for your assistance to correct this late open account : XXXX XXXXXXXX XXXX XXXXXXXX Opened XXXX. XXXX XXXX Balance : {$10000.00}.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX  XXXX XXXX XX/XX/year> {$13000.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

XXXX am writing to dispute a concerning issue regarding the personal & financial privacy notices and opt-out annually statements provided by 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 as a data furnisher to TransUnion. It has come to my attention that 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  may be in violation of regulations requiring financial institutions to provide privacy of consumer financial information policy notices in writing to customers both initially and annually, as mandated by federal laws and regulations. 


As a customer of 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 I have not received the required CONSUMER FINANCIAL PRIVACY POLICY NOTICE and opt-out annually statements in writing as per federal laws and regulations. The failure to provide such notices and statements not only raises serious concerns about the protection of my personal financial information but also indicates non-compliance with important consumer protection regulations. 

I demand that 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  promptly rectify this issue by providing me with the required privacy notices and opt-out statements in accordance with federal laws and regulations. Additionally, I request that 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 conduct a thorough review of its privacy notice dissemination practices to ensure compliance with all relevant regulations moving forward. 

Failure to address this dispute and rectify the issue in a timely manner will leave me with no choice but to escalate this matter further, including filing a complaint with the appropriate regulatory authorities and seeking legal recourse if necessary. 


I trust that 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  will take this matter seriously and take immediate action to ensure compliance with privacy notice requirements and protect the privacy of its customers ' financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my dispute XX/XX/XXXX and have yet to receive an update in over 30 days. Consumer-reporting agencies must correct or delete information that is inaccurate, incomplete or unverifiable within 30 days. 
The items in question to be removed are : 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 Credit Card with account # XXXX Should also be deleted : Public Record from a XXXX XXXX Bankruptcy on XX/XX/XXXX.
Product: Debt collection

I didn't receive a notice about a collections effort on this collection account. I was not aware of the collection or why it's reporting on my credit report.
Product: Mortgage

XXXX XXXX  XXXX XXXX DIED, BUT XXXX XXXX IS ALIVE I, XXXX XXXX IS SON GETTING GUARDIANSHIP, ( HAD FAMILY PROBLEMS WITH SIBLING, ETC GETTING INVOLVED ) CAN NOT FORECLOSE IF SHE LIVES THERE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Equifax stating someone had tried to get a XXXX Credit Card in my name. This happened XX/XX/2018. I contacted the number on the letter and they told me to fax in a letter with my name, date of birth, social security number, address and email address. I did not do this in fear of it being another scam.
Product: Debt collection

I just saw it on my Credit report without notified me they didn't send even one letter they just reported on my Credit it hurts my score badly
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed an incorrect account. I feel that these account are adversely affecting my credit report and costing me thousands of dollars in interest. It is my understanding that you will investigate this item for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX ( Account # XXXX ). 

After your investigation is complete, please send me the results via mail. Thank you in advance, Best Regards, XXXX XXXX.
Product: Credit card or prepaid card

hello. i opened a credit karma spend account well over a month ago. in this time ive added in XXXX $ increments XXXX to the savings and XXXX to the spend account. i tried to use the card and it was denied and has been everytime we try to use it. we cant internally transfer anything either. its locked. i called credit karma and asked for a supervisor numerous times. every time they say they cant help n have no support team for me to talk to everything HAS to be done on their time and through e mail. i read on there website that they used XXXX XXXX  XXXX so i called them. they also cant help and said she would send a email on my behalf. there website says all over it its fdic insured and use mvb banking. they refuse to help after 50 emails i have that prove everything ive done n everything said back to me. every reply is telling me i didnt respond. i have 4 kids n NEED my money. this card and entire process is insane. further into reading reviews it seems like anyone who has had this account opened is having issues. every card is locked and no one can get to their money. credit karma is holding on to sooooo many peoples money and wont give a reply or our money back. they claim to have a support team but at the same time there is zero contact information they will give you. they tell you its all emails. something HAS to be done about this. they stole XXXX $ from me as well as ALL of my information at this time. i thought i was doing something good and adulting and they definitely ruined that for tons of people in the US. i will never use credit karma again for anything.
Product: Vehicle loan or lease

RECEIVED STATEMENT FROM NISSAN MOTOR ACCEPTANCE CORPORATION DATED XX/XX/2019 THAT SHOWED PAYOFF AMOUNT OF {$19000.00} GOOD UNTIL XX/XX/2019. 

XXXX XXXX XXXX PAID AMOUNT ON XX/XX/2019. 

RECEIVED STATEMENT DATED XX/XX/2019 FOR {$56.00}. I CALLED AND TOLD THEM TO SEND ME LIEN RELEASE, PAID FINANCE AGREEMENT AND LOAN AMORTIZATION SCHEDULE.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent validation letters and called all credit bureau for them to investigate, also contact this alleged junk debt collector by phone to self investigate and they threaten me if i dont pay, the guy would not answer any of my questions instead transferred me to a non working line. letter sent to credit bureau listed below ... and behind the letter is the companies information which has no account number etc., Collection company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian File Report XXXX, Provided by Experian I requested a verification and update on my credit report, Experian reported back stating the accounts were verified but FAILED to say how they were verified. On top of that the accounts listed in Experian File Report Number XXXX are violation of to 15 US Code 1681A, Paragraph 2, ( A ) ( i ), the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to institute a Security Freeze with the three credit reporting agencies. XXXX, and XXXX  make it easy. All I had to do was sign into my account with them, do a few clicks and a Security Freeze was placed immediately. Experian makes it near impossible. They hide access to Security Freeze information all the time trying to sell you one or more of their paid services. When you finally find the place where you are supposed to be able to place the freeze, you fill out a form and click " Submit '' which then tells you you must mail the form to them in Texas which will take weeks or longer. 
Are they allowed to have rules which make placing a free Security Freeze difficult or near impossible unlike XXXX  and XXXX. To get to the page I had to sign in to my account with Experian ( Member ID : XXXX ) get past their request for {$19.00} per month to place a " Credit Block '' and go through other hoops to be told to mail the application to their Texas Office. All this after I signed in, with my password, replied to their text for a secondary number and provided my Social Security number. 
Under CFPB rules are they able to make this so difficult and make their website a marketing tool unlike the two other agencies? Their Phone Service is a computer that gives you meaningless information and then hangs up. Please help.
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/XXXX, after becoming over XXXX days past due. This account should not be considered late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, etc ( this goes to present ). Please prove that this account was in fact able due for a payment on those dates.
Product: Student loan

The Texas Higher Education Coordinating Board currently services two of my loans. They have, for years, made it difficult to make payments in the following ways : Not accepting XXXX debit cards. Not having auto pay functionality. Using various external vendors to process payments. Multiple dead ends on phone tree, most recently on XXXX/XXXX/XXXX. They have also utilized lax and dangerous privacy policies : Until XXXX, the social security number was the login and date of birth was the password. My main concern is the lack of auto pay functionality and XXXX acceptance. In the current environment the only reason for either is, 1 ) Deciding not to incur the expense of setting up such a system, which is unlikely given the numerous vendors able to implement this. 2 ) Indirectly causing late payments or forcing payment through processes in which they collect fees, both of these in an effort to increase ancillary fee revenue. THECB, as recently as XXXX XXXX, has acknowledged the lack of the usability of both its website and customer service functions, but has done nothing to improve either. It plans in XXXX to spend $ XXXX on compensation servicing approx. $ XXXX worth of loans using XXXX FTE, an unfathomably poor efficiency ratio and a model of government employees enriching themselves at the expense of the tax base and their customers.
Product: Credit reporting

The following credit inquiries appeared on my Experian credit report that are the result of fraud/identity theft. I 'm seeking assistance in the immediate removal of these inquiries from my Experian credit report : XXXX made on XXXX/XXXX/16 ; XXXX XXXX XXXX XXXX XXXX XXXX, SD made on XXXX/XXXX/16 ; XXXX XXXX XXXX XXXX XXXX XXXX, SD made on XXXX/XXXX/16. In addition, I have a fraud alert filed on XXXX/XXXX/16 with XXXX alone with a police report completed on XXXX/XXXX/16. I 've even completed a formal investigation request with the FTC as my identity has been stolen and my personal information has been sold to potentially multiple people. Your assistance in getting these inquiries removed from my Experian Credit Report is appreciated.
Product: Credit card or prepaid card

In XX/XX/XXXX while in the XXXX XXXX I signed up for a card with Best Buy via a point of sale terminal, service desk. The employee did the process for me as I stated I was inexperienced with this sort of thing ( my first credit card ). The employee proceeded to sign me up for something called Enhanced Debt Protection without informing me of what it was, that he was signing me up, and that there was a cost as well. He simply did it all without checking in with me. 

Since XXXX I've been charged fees ranging from around XXXX a month to XXXX dollars or more per month without me noticing since the rates were so low. However, once I did notice it I looked into this and as it turns out the CFPB issued an order to Citi Bank for this very thing back in XXXX. For people that were signed up for this service via a service desk ( which I was ) anytime after XXXX. Citi Bank was ordered by your organization to refund {$700.00} XXXX to the affected accounts which included mine. However, back in XXXX I had no idea I was being charged for this. 

I reached out to Citibank to 1. cancel the enhanced debt protection back in XXXX of this year. 2. Request a refund for the 12 years of them charging me these fees without my approval or knowledge. 

They said they would try and get it approved and that it would take 10 business days and that I'd be notified via mail. So I promptly asked to have my mailing address updated. I waited 15 business days and had not received word. I called back, only to be told it was sent to the wrong address. I verified the correct one once more and they assured me it wouldn't happen again. However, by late XXXX I reached out once again and they apologized saying they sent it to the wrong address AGAIN. At this point it seemed they weren't taking my inquiry seriously. I am now still without word on what their decision for this refund is but it does seem based on your prior ruling in XXXX that I am included in this population that was signed up for services under false or predatory practices. I have given them over 3 months worth of time to simply notify me of my request for a refund and they have failed to do so. 

I know that as an individual in this country I don't have the money to fight something like a bank. So I am glad the CFPB is here to fight for the people who have been wronged. 

I have statements from the last XXXX years and when I asked to have statements from XXXX they have also failed to get those to me. However, they did state that I've been billed for enhanced debt protection since XXXX when I first opened the card at the service desk in store. 


https : XXXX XXXX is the link to the post that your organization made back in XXXX, highlighting the fact that citibank has XXXX done this exact same thing from accounts dating back to anything past XXXX, and that includes people who were signed up via a service desk.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/2021 I XXXX XXXX was informed that a XXXX XXXX XXXX from Halsted Finical Services called my husband at his place of employment phone # and asked to speak with me XXXX XXXX. My husband informed the caller the he was not speaking with XXXX and would he like to leave a message. 

XXXX XXXX then continues to tell my husband all important and personal information about the reason for the call in violation of U S Code 15 1692 ( c ) b ( ) Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam , Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX, L Account Number : XXXX Amount : {$890.00} Date of Account : XX/XX/year> I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 
In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 
I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing duplicate and is stuck in a passed due balance. Two days ago I applied and paid for an official transcripts to be sent to my new employer. However, they canceled my order due to a financial hold on my student account. I asked them what was the hold. They told me I owe {$18.00} for a book that I returned late or something, which is ridiculous because it was a bit over 8 years and I never got a notification of that. I actually requested transcripts to be sent to jobs in the past and that has never been an issue. and now that I look at my Credit report the way its reporting is incorrect. I need this corrected.