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

I am writing to express my deep concern and frustration regarding the persistent attempts to remove the late closed status from my account with Credit Bureaus. Despite numerous notifications and efforts to address this matter, it seems that these attempts continue unabated, causing significant inconvenience and uncertainty. 

I have diligently worked to resolve any outstanding issues associated with my account, including addressing the circumstances that led to the late closure. Through proactive communication and adherence to payment agreements, I have sought to rectify the situation and demonstrate my commitment to responsible financial management. 

However, despite my efforts, I have observed multiple instances where the late closed status has been inaccurately targeted for removal from my account. These unwarranted attempts not only misrepresent my financial history but also undermine my efforts to rebuild my credit standing and regain financial stability. 

I urge Credit Bureaus to conduct a thorough investigation into the root causes of these persistent attempts to remove the late closed status from my account. It is imperative to identify any systemic flaws or errors in your processes that may be contributing to these inaccuracies and take immediate corrective action. 

Furthermore, I request transparent communication and documentation regarding the justification for each removal attempt. 

I also seek assurance that appropriate measures will be implemented to prevent future occurrences of such inaccuracies. This includes strengthening internal controls, enhancing staff training, and implementing robust validation processes to ensure the accuracy and integrity of customer account information. 

I expect a prompt and comprehensive response to this complaint, outlining the steps that Credit Bureaus will take to address these concerns and prevent their recurrence in the future. Failure to do so will compel me to escalate this matter to relevant regulatory authorities and seek redress through legal channels. I am asking for your assisstance to remove this account in my credit file : XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. XXXX looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary.
Product: Debt collection

I have tried on several attempts to have Bank of America turn off automatic payments withdrawals on an account. This was set up online and they have revoked my online access so I can not turn it off manually. When I call, I get the run-around. I just tried again and was sent to seven different representatives, who would not resolve, or said they didn't have access to resolve this issue. The last person I spoke with, XXXX XXXX, took an abrasive attitude and started strong-arm tactics regarding collecting the debt on the loan. I told him I would be more than happy to discuss the status of the loan once I was assured the automatic withdrawals feature had been turned off. He continued to harass me about the balance of the loan and refused to answer if the automatic feature would be turned off. I asked to speak with a supervisor to which he told me she was on another call and refused to tell me her name. I pointed out to him I was happy the call was being recorded by Bank of America to which he started insisting that I had no right to record the call. I told him, it was Bank of America who initiated the recorded call and because they had, I had just as much right to record the call. He continued to be abrasive and refuse to help me with turning off the automatic withdrawal from my bank account and kept interupting me, even after asking me a question. I told him all I was trying to do was deal with Bank of America in good faith, yet he continued to interupt and use harrasing tone and language instead of addressing this concern.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300000.00} Late/Open Late 120 Days XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Charged off XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Late/Closed XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$780.00} Charged off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Charged off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Open
Product: Credit reporting or other personal consumer reports

Formal Dispute of XXXX XXXX XXXX XXXX to Equifax
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, and someone has used my information fraudulently and at this current moment, I do not have any information on who is using it. 
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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

experian has failed to fulfill its legal obligation under the fair credit reporting act ( fcra ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. the consumer financial protection bureau ( cfpb ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the disputed accounts, as experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because I applied for a small personal loan at XXXX today XX/XX/2020 and unfortunately I was not approved because apparently there are two accounts in negative standing on my credit report. The accounts are from these companies ; XXXX XXXX XXXX and XXXX XXXX XXXX. I have never opened an account with either of those companies nor am I affiliated with them in any way. I don't know who is responsible for these accounts but I did not give anyone permission to open them in my name. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these debts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Product: Credit card

On XX/XX/year> I was charged an interest fee of {$16.00} on my last statement even though I paid the whole balance off before my statement ended. I even paid the full balance even earlier but when I sent the payment to their website it froze up and it didn't post like it should have but I still paid the full balance before my statement ended and it shows on my statement paper which I sent showing I paid off the balance before the statement period. I have been with this company a long time and I always pay my card off on time and I don't feel like a valued customer by this charge!
Product: Credit reporting or other personal consumer reports

It is unacceptable that unauthorized information has been added to my credit report without my consent.
Product: Debt collection

I called Capital Accounts LLC on XX/XX/19 and spoke with XXXX. I requested proof that the debt listed on my credit report was valid. I was told I needed to contact the original creditor. After advising I have already tried and the provider is no longer in business I was advised by XXXX that the company is not required to send me anything to validate my debt and they do not have any letters or documents to do so. XXXX then hung up on me twice after I requested a supervisor. I attempted to send a debt validation request via certified mail on XX/XX/2019 but the company has no physical address listed only a PO Box so I am unable to obtain proof the company has received my request. I have since received two different emails from this company on XX/XX/19 and XX/XX/19 with 2 different balances and was advised they are charging interest every day the debt is not paid. Collections agencies can not charge interest on debt if they are not the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

i obtain a copy of my credit report and noticed accounts i did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I submitted a dispute with Equifax Credit Bureau for a collection account, XXXX XXXX ( XXXX XXXX  ) after not receiving a response to my debt validation letter sent to them directly. I requested proof of this debt validation and to have it removed if there was no physical proof as this negative item has ruined my credit reputation. This lease was completed and the balance is not accurate. I've asserted my rights as a consumer to the files and documents used to verify the accounts reporting on my credit report and was told that if I didn't have proof of this inaccuracy or my own documents then the item will have to stay on my report. 
On XX/XX/2019 the account above was " verified '' as being correct and that the agency/original creditor suggests I submit documentation or proof that it is inaccurate. 
Equifax will not remove this account and the original creditor XXXX XXXX and collection agency XXXX XXXX has not provided me any physical proof or documentation as requested. This negative item was removed from my XXXX  and XXXX  credit report promptly because of the lack of proof but Equifax has refused.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/24. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Student loan

MY son died in XX/XX/XXXX with student loans outstanding. I co signed 11 years ago and now I am XXXX years old and live on SS and small pension. I lost all savings in XX/XX/XXXX and had to sell all my property on a shot sale in XX/XX/XXXX. The payments on the loans will take me until I would be XXXX years old. Impossible. In addition the loans are not with the original bank and owed to AES and NCT a collection and servicing company. The school was XXXX
Product: Credit card or prepaid card

I applied for the XXXX XXXX in early XXXX and applied multiple times due to paying off other debt and wanting to see if the rate would change. I get a message that says I applied too many times. I contact support and am told to wait 30 days. This was on around XX/XX/2019. I wait 30 days and receive the following email from Goldman Sachs " Thanks for your interest in XXXX XXXX. Goldman Sachs Bank USA has reviewed your application, and it was not approved at this time because : You have applied a number of times so we can not verify the information you have provided at this time If you believe this decision was made in error, please re-attempt the application : Ensure your personal information ( legal name, SSN, birth date ) is accurate and matches your ID, if provided If you were asked to verify your identity with your Driver 's license or State-issued Photo ID, make sure : You are capturing the image clearly You position your Driver 's license or State-issued Photo ID in the frame, place it on a dark surface, and make sure lighting is adequate with no glare Your ID hasn't expired '' Same message as before the 30 days. I ask them to open an investigation into whats going on with my apllication and get no solutions or suggestions. Just " Try again '' type mentality.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX DOB- XX/XX/XXXX Email - XXXX SSN- XXXX Phone number XXXX Inquiries that need to be removed are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. Experian is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. Please update this account : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The loan with XXXX XXXX  entered into a covid-19 forbearance. At the end of the forbearance, the payments were made by the state of Texas to keep the account current and up-to-date. XXXX spent over 12 months denying my request to move from forbearance to repayment plans stating that the entire balance of the forbearance must be paid in full to make any payment whatsoever. All or nothing. In XX/XX/2023 the account entered into an agreement to begin repayments in the form of three trial payments to begin XXXX through XXXX, each payment was made on time and successfully completed as agreed, however on the final month of the payment plan, XX/XX/XXXX XXXX XXXX in bad faith and in violation of the FCRA falsely reported the account as 120 days late. The account was fully listed as current, and went from " no data '' to " 120 days late ''. This massive hit on my credit has lowered my score over XXXX points, and means that I am unable to refinance, obtain better employment, it has jeopardized my XXXX XXXX XXXX, and it's based under a false pretense. All payments were made on time, as agreed, as dictacted by our contract, but XXXX through sheer malice and ill-intent falsely reported it as late to deny me my rights under the FCRA. Efforts to remedy this with XXXX have been met with extreme hostility and a denial of wrongdoing as well as a false representation of the payment history. The representation to the credit bureaus says that I made XXXX payments on time, while XXXX was pocketing my money. They received money, and while recieving it, reported negative blatantly lying information. This is criminal conduct that I attribute personal malice towards and should be met with reprimand by CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a dispute letter to Equifax Credit bureau about a bankruptcy on my credit report. It came back as verified. Equifax is in violation of the fair credit reporting act because this information was not verified, because I have a written letter from the courthouse stating the U.S. Bankruptcy Court does not provide information to any credit reporting agency. In addition my XX/XX/XXXX account is frozen.
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts on my credit report tonight, and I have no clue why they appeared. I routinely check my report, and this time, these discrepancies just came out of nowhere. I even refreshed my browser, thinking it might be a glitch, but they remained. I'm deeply concerned and request that the documents I've submitted are reviewed thoroughly so I can put this issue behind me and never have to stress about it again.
Product: Credit card

Between XX/XX/XXXX-XX/XX/2016, I have received no less than 6 letters ( see attached as example ) supposedly from Citibank , N.A . ( XXXX XXXX, SD ) saying " Thank you for your interest in obtaining an account with us. We are unable to process your request at this time because we could not verify the accuracy of the credit information on your application. In order of us to continue processing your application, please call us at XXXX... '' The issues I have with this letter are : 1 ) There is no mention in the letter about WHAT specifically the application I " supposedly submitted '' was for ( credit card, debit card, checking account? ) 2 ) I have NEVER submitted any application to Citibank for ANYTHING 3 ) When I call the number, I 'm prompted immediately to input my entire Social Security number ( which I will NOT do ) before I can even speak to anyone " live '' 4 ) When I did finally manage to find a live person to speak to about this after nearly an hour of digging around on the internet for a phone number, I was told by a CSR that Citibank could not provide me with any details about the nature of my " supposed '' application because that information was confidential - DESPITE that it was " supposedly '' MY credit information!!! 

This is absolutely ridiculous and a time drain. I monitor my credit history very carefully and I should be able to know if someone is attempting to open an account in my name, without my authorization. If this is nothing more than a marketing ploy to get me to contact Citibank so a CSR can convince me to open an account with them, I want the letters stopped IMMEDIATELY as I have neither the time nor patience to mess with this.
Product: Debt collection

Pressler & Pressler has taken almost {$3000.00} from my account. They send all the letters to my old addresses which I can not respond too and then they have the right to seize all my funds. They have taken 4 times money out of my account. They have my correct address but still send all letters to my old addresses.. They even took all my child support money and the last withdrawal they took from my account was a week before XXXX! They took {$600.00} which left me broke XXXX.
Product: Credit card or prepaid card

On XXXX-2020 I cancelled my car insurance with XXXX of {$210.00} and XXXX-2020 they submitted the transactions without my consent. XXXX-20 I filled a dispute and received partial payment. I was received {$150.00} on XXXX-20. And was tolf that based on the information available to them my transaction has occurred. I disagree with that transaction amount because the product was not how it was represented. And I feel that It was false advertising and misinformed.
Product: Debt collection

Debt collector never sent me any written correspondence but continually called me using a number in my own area code. These calls were performed by an automated dialer, and whenever I would pick up all I would hear is a beep and the call would disconnect.
When I called to speak with the company about the debt, they would only tell me a name but not what they wanted to speak with me about until I gave them my full address. When I refused to disclose personal information without knowledge of who he was, he hung up on me.
After I called back, I asked for proof of the debt and to not call me until I received it. I also asked that when they called back that they must call with a live person, not an automated system. After that call, I received 3 more calls from the company by their automated dialer.
I received the letter from them in regards to my debt today. It does not disclose anything other than the amount and creditor on the letter. It does not make any statement about my right to dispute within 30 days, or that if I do not respond within 30 days that I automatically accept the responsibility of the debt.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report 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 These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.