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

After speaking with numerous customer service representatives in the dispute department at XXXX, my home address still is inaccurate online. However, each time a report is mailed to me it shows an accurate home address. Since XX/XX/2023, my full home address and full name has been changed or updated incorrectly. When a third-part credit reporting entity does a soft pull or runs my credit report, my information pops-up partially, outdated, or totally incorrectly. This has caused adverse decisions when applying for loans and other monetary things that require personal identification verification from XXXX and TransUnion. For example, I was denied a credit card from XXXX XXXX, because they could not verify who I am with the personal information on my consumer credit report from XXXX and TransUnion as well. Currently online, my apartment number XXXX is missing in the personal information section on my XXXX consumer credit report. A copy of my driver 's license and social security card was sent to verify my full home address with the apartment number, and the spelling of my middle name in XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several student loans open with Dept. of Ed/XXXX  I am currently in school still. I've made several attempts to dispute inaccurate information on my credit report with the company itself and credit bureaus. They are reporting different information to each of the three bureaus, so nothing matches across the three bureaus. They are reporting late payments that don't even make sense. The account goes from good standing to all of a sudden 90 days past due within a 30 day period in XXXX of XXXX and as well as in XXXX of XXXX. They state they were trying to contact me to make payments but the phone number they had on file for me was a phone number from Texas and I have never lived in Texas or have been associated with anyone in Texas. I have proof of my credit reports they are reporting inaccurate information across all three bureaus and none of the information matches, however, every time I dispute the information it comes back verified. I'm unsure how the information could come back as verified when none of the information matches or equals up correctly.
Product: Credit card or prepaid card

In XX/XX/2022 I requested a balance transfer from my capital one credit card to my XXXX XXXX credit card. On XX/XX/XXXX, I realized I had used the virtual card number for capital one instead of the actual account number. I called XXXX XXXX to do a stop pay on that paper check. On XX/XX/2022, XXXX XXXX reissued the balance transfer to capital one on my request this was done as an electronic funds transfer and it happened instantly. Both the paper check and electronic fund transfer were for the exact same amounts ( {$2900.00} ). I have called capital one multiple times but they tell me that they have never receive the EFT, and that they only have receive the paper check with the stop pay. I currently have two debts with two different banks for the exact same amount, when I should only owe XXXX XXXX. I have provided capital one with the trace number and my issue has still not been resolved. It is impacting my credit score at this point and I am now at the point where I may need to find a legal representative to resolve this issue.
Product: Vehicle loan or lease

US Bank 's XX/XX/XXXX letter supplied to the CFPB contained lies and US Bank should be held accountable for lying to me and your agency. I have definitive proof. US Bank claims the {$25.00} they claim is owed is for a late payment for XX/XX/2019 is a lie. Attached is my letter to US Bank of XX/XX/XXXX. Attached as well is a copies of my checking XXXX account statement that definitively proves that I paid US Bank {$310.00} in early XXXX for the payment that was due in XXXX. This {$310.00} represents the normal monthly payment of {$290.00} plus the {$25.00} late fee owed for XXXX 's late payment. Also attached is a second page of my XXXX checking stmt showing that XXXX 's payment was also posted later in the month. Attached is my letter and the overwhelming documentation proving, without question, that I don't owe US Bank {$25.00} for XXXX 's late payment ( because the late fee was promptly paid ). The original complaint was XXXX. CFPB should have NEVER closed the matter, because US Bank lied. CFPB shouldn't just close a file because a vendor responds, if you are going to really defend consumers, we need a chance to refute errant replies like the one US Bank sent in this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Innacurate information on my credit profile resulting from identity theft : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

2. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

4. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

5. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

6. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

7. This a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy XXXX Please correct/update this inaccurate information on my credit report.

8. This a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy XXXX XXXX Please correct/update this inaccurate information on my credit report.

9. This a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and violation of FCRA 623 Please remove it from my credit report.
Product: Checking or savings account

OMG... I have been with NETSPEND for XXXX yrs. 1st off that's why I haven't Changed banks. Well Our home was being foreclosed on, My Husband XXXX XXXX XXXX XXXX Received a letter on a federal housing authoritXXXX Heading ( HUD ) to be exact. In our desperation to save our home we hired the " Federal Housing Attourney " that they said they were. Well Gave them XXXX $ in XXXX XXXX XXXX $ in XXXX we had court date XXXX called to ask if our Attorney would be there ( premier legal services ) & was told they aren't Attourney s. So I fired them & told NetSpend they are fraudulent & misrepresenting themselves... Also said Do Not let them take anymore $ well XX/XX/22 they took another XXXX $!? I DISPUTED all charges and got my 1st response Not FRAUD? HOW?
Product: Debt collection

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 Per section 609 , I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 





Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a cease and desist to the CCO of Plaza Services , LLC requesting all documentation the company has on the alleged debt obligation it has listed on my consumer report. XXXX XXXX, or a representative, failed to respond to my request. This company continues to harm my financial reputation without providing any documentation to support their claim. I never gave this company permission to be on my consumer report. Further, the company has no legal standing to harass me in this regard. Their violative business practices are defaming my character. Lastly, the company failed to update the account in question on my consumer report after I notified the company of the dispute. This is also a federal violation. All of these statements above are facts which will be proven in a court of law should the company continue to harass and defame my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SIXTH 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 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite 5 previous 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 with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) 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. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date OpenedXXXX Balance : {$0.00}XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date OpenedXXXX Balance : {$160000.00}. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I looked at my Experian and XXXX report on XX/XX/year> and noticed some accounts and inquiries are incorrect and fraudulent. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

I have multiple spellings of my name list on my credit report. I am requesting that all of them except one be removed from my credit report, or credit file. I request that XXXX XXXX XXXX XXXX, stays on my credit report or file. I have multiple addresses on my credit file or report. I am requesting that only one address remain on my file, and that is my current address : XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a goodwill letter to XXXX/XXXX XXXX because I had some late payments. In that letter I ask for forgiveness of the late payments which were due to lack of employment. Instead XXXX/XXXX XXXX reported on my credit bureaus that I was disputing the late charge. I am not disputing the late charges - please see attached letter showing my request. When XXXX/XXXX XXXX reported a dispute to my credit bureaus it took my FICO credit score down 3 points - is that legal? I did not dispute anything and yet XXXX has damaged my credit further. I hear about XXXX XXXX   damaging many peoples credit with their practices. I repeat a goodwill letter was sent to XXXX/XXXX XXXX - not a dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some months ago, I disputed XXXX XXXX XXXX XXXX  ( XXXX ) /XXXX  Account ( See Attached ), on my Transunion Credit Report , to VERIFY ALL ACCOUNT INFORMATION. I have not received the results of this dispute. In fact, the XXXX/XXXX  Account still shows in the COMMENTS that the ACCOUNT IS IN DISPUTE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe Im a victim of of identity theft I noticed theres an fraudulent close auto accident from XXXX XXXX XXXX  ( XXXX ) opened XX/XX/XXXX for the sum of {$11000.00} thats in collections that I did not open, along with 9 inquiries listed on my credit report that I did not authorized. My personal information was leaked in the XXXX XXXX data breach. In accordance with the Fair Credit Reporting Act my rights have been violated. 
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 an account without my written conse
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate.and according to the fcra whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.these accounts ( XXXX ) grain : account # XXXX. ( XXXX ) XXXX : account # XXXX. ( XXXX ) XXXX  : acount # XXXX. ( XXXX XXXX XXXXXXXX XXXX XXXX : account # XXXX. ( XXXX ) XXXX XXXX  : account # XXXX. ( XXXX ) XXXX XXXX XXXX : account # XXXX. XXXX have the right to privacy.and according to 15usc1681 ( a ) ( 5 ) no consumer reporting agency may make any consumerreport containg any of the following information, other than records of convictions of crimes which date the report by more than 7years.15usc1681s-2 ( a ) ( 1 ) a person shall not furnish any information to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.please remove ALL inaccurate information from my report.ive been battling XXXX  XXXX XXXX for last XXXX and I am trying to get my life back.thank you respectfully
Product: Consumer Loan

The following complaint is against Gateway Financial Services at XXXX, MI for not sold a car in a commercially reasonable manner. 

I bought a XXXX Chrysler Voyage with approximated XXXX miles with auto lease from Gateway Financial Services in XXXX, XXXX. Having a financial hardship during XX/XX/XXXX-XX/XX/XXXX, I decided to voluntary surrender the car with Gateway Financial Services. At that time, I could not afford to make payments to the car. I surrender the car with XXXX miles in good conditions at XXXX, XXXX. The outstanding balance was {$8600.00} at XXXX, XXXX. 

After surrendered the car, I received a letter to notify me a deficiency balance for {$8500.00} because the car was sold by only {$510.00}. This is really suspicious since the car value was at least XXXX times more, and it represents 5 % of the outstanding balance at XXXX, XXXX. However, the problems do n't stop there because the company, Gateway Financial Services, sue me through the XXXX district court of the State of Michigan this XX/XX/XXXX for a value of {$13000.00}, where the balance was {$10000.00} and the interest accrued was for a value of {$3600.00}. Unfortunately, I was transitioning my home, and I could not object the garnishment on time. Nowadays, I had been garnished my paycheck for a value that is more than the original monthly payment with them. 
Having this troubles and do n't understanding how to deal with this firm, I approach to a financial coach associated with XXXX XXXX. He suggested me to made this complaint through the Bureau of Consumer Financial Protection because all the irregularities committed to Gateway Financial Services.
Product: Student loan

I took out student loans over the period of XXXX - XXXX going just XXXX in debt. In an attempt to get on my feet after graduation, I deferred my loans for a period of time. I made intermittent payments and somewhere along the way lost track. I was contacted by debt consolidation company and they said i could enter a repayment program. I did and when i finished that, put back in contact with XXXX XXXX navient and learned that my dept was over 80,000 now. I made attempts to reconcile as fast as possible but experienced delays. I asked for extensions of payments and they told me that the only was through forbearance, which did not always agree to. They fooled me and I believe manipulated my conversations. I did not agree to their terms and now my payments have gone from {$540.00} to more than 800.00. This is not fair and they will not speak to me to make exceptions. the payments keep going up. I get harassing phone calls and this is not comfortable.My balance is now {$83000.00} and there is nothing i know to do but seek legal assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

letter sent XXXX   testing multiple collections
letter sent XXXX testing multiple collections
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance : {$810000.00} ; XXXX XXXX  XXXX XXXX Balance : {$6900.00} ; XXXX XXXX XXXX : {$19.00} ; XXXX XXXX XXXX XXXX Balance : {$77000.00} ; XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$1800.00}.
Product: Debt collection

Midland Funding threatened me with a lawsuit, if I do n't pay at XXXX debt. 

Sent then a letter asking for verification of the debt. 

Thanks, XXXX
Product: Credit reporting or other personal consumer reports

Dear FactorTrust, Inc Consumer Center, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. 

Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. 

I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. 

Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX, MA XXXX
Product: Credit reporting

Experian will not update a judgment lien from the Circuit Court of XXXX County or allow me to dispute the item just because they investigated my original dispute in XX/XX/XXXX. I paid the judgment lien a year later in XXXX. Twice, I have mailed in a copy of the satisfactory letter and nothing is done. XXXX and XXXX has already updated my credit report.
Product: Debt collection

Call from XXXX asking for address to serve papers. Told me she hired by XXXX and XXXX At XXXX number is listed as unknown. Threatening court action if I do n't pay. Wo n't tell me anything about what this is about. I no what bills I have I am not behind. Stop threatening me.
Product: Debt collection

Called to collect payment on a payment that was not due for 5 more days. The company called my place of employment to reach me prior to trying my personal number. I had not provided my work phone number. In starting the phone call they said that they need to inform me that this was an attempt to collect a debt. I am a customer/account holder for a mortgage this language is commonly used for delinquent accounts not accounts that are current. 
Last month they called before payment was past due to my personal number.