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

XXXX XXXX is reporting a 30 day late payment on my account and it is showing up as different dates on different credit bureaus. Example, TU shows the 30 day late payment in XX/XX/XXXX and XXXX shows the 30 day late payment as XX/XX/XXXX, and XXXX shows a 60 day late payment in XX/XX/XXXX. This account has been closed for several years and was always paid as agreed, never late. The discrepancy is obviously because this account was NEVER late and needs to be removed immediately. 
This incorrect information is being reported on all three credit bureaus ( XXXX, XXXX and TransUnion ). 
I have tried to resolve this with each of the bureaus as well as with XXXX XXXX  and it keeps showing up on my credit reports incorrectly reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrote letter to XXXX XXXX XXXX to remove reporting as it was reported incorrectly and is paid. With no response submitted certified letters to Experian on XX/XX/XXXX and XX/XX/XXXX to remove unverified account from collector as XXXX has submitted information that this information has been removed and all reports to reflect the most accurate details. Returned auto letter to me stating account verified when I have not received any verification details such as a contract with XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX KS XXXX.
Product: Debt collection

I have tried to get this resolved with XXXX and the debt collection agency when they were calling about this account several years now. The problem is XXXX is stating I owe a debt of XXXX. To prove I owe this debt they sent me statements. I am not saying I didn't have a XXXX account so therefor I do not need statements. What I am stating is that I called in to a XXXX agent and spoke with a rep who stated that this debt would be removed if I sent in the equipment which I did. Once the agent advised me of the information I mailed in the equipment along with tracking information and waited for the update to take with the debt recovery solutions. Instead I was told that I still owe the debt which doesn't make sense because if you send statements that have equipment fees on there and the balance is still reflecting these fees .. 1 the balance is inaccurate 2. the XXXX agent should not have provided the direction that by sending in the equipment the balance would be updated and removed from my credit report. This is unfair and I know this poses UDDAP concerns by your agent providing me inaccurate information. I want this in accurate info removed from my credit report and the called pulled with the agent providing me this information and I know it can be pulled.
Product: Credit reporting or other personal consumer reports

NATIONAL CREDIT SYSTEMS  Account XXXX NATIONAL CREDIT SYSTEMS Account XXXX 15 USC 1692 ( c ) ( c ) is a section of the Fair Debt Collection Practices Act ( FDCPA ) 12.The section ( c ) of 15 USC 1692 states that1 : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) A debt collector may not be held liable in any action brought under this subchapter if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error. I know my rights and I will Sue.
Product: Debt collection

got extremely rude and talked down upon me as if I was beneath him. When I started to defend myself he hung up the phone. so discriminated agent. as I respect and talk to her nicely she doesn't have to be rude. I had emergency matter took my attention then the school send the debt to ability recovery to collect that money. iam so disapointed and depressed i have to go to my doctor to priscribe some medication because i been hurt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX under the penalty of perjury, affirm and attest that all after mentioned statements are true. On XX/XX/2022 I noticed after viewing all three of my credit reports from XXXX, XXXX, and experian that Experian was and currently as of XX/XX/2022 still is reporting inaccurate and fraudulent information to my credit file on behalf of deceptive corporations and 3rd party thieves. On XX/XX/2022 I filed an FTC identity theft report against experian, XXXX, XXXX, and multiple other thieves who are utilizing my credit file without permissible purpose lacking consent from me to furnish or report such inaccurate details about my personal, consumer, and credit information causing defamation to my character and hardship for me and my family. On XX/XX/2022 I sent Experian multiple letters requesting debt validation, personal information amendments, and other credit related inquiries which they signed for and received via usps certified postal mail on XX/XX/2022. Experian has blatantly disregarded my request thus continuing to further violate my federally protected rights as a consumer. It is now XX/XX/2022 and I still have not received any proof that investigation has even begun. I am demanding that Experian no longer violates my federally protected rights by adhering to my written instructions that I have supplied them as of XX/XX/2022 through updating, deleting/removing, and remeding the many violations that are being reported on my Experian credit report and file. Please find attached all evidence supporting my claim and make the accurate changes. I demand Experian stop violating the FCRA and the FDCPA.
Product: Debt collection

I do not recall this debt, please verify. Also, please verify statue of limitations and cease negative reporting to credit bureau.
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an inaccuracy on my credit report that has not been corrected despite my efforts. The account in question is Exeter Finance, which is inaccurately reported with an incorrect balance and late payments. 

I have provided evidence proving that the account balance was paid off in full as of XX/XX/year>, and that any late payments and associated fees were voided as per the agreement with the creditor. Despite submitting this documentation to the credit reporting agency, they have refused to update the account information correctly. 

Additionally, as of XX/XX/year>, the account was confirmed to be correct and accurate. However, the current credit report reflects inaccuracies that contradict this confirmed status. 

Under the Fair Credit Reporting Act ( FCRA ), your rights related to correcting inaccuracies on your credit report are specified in several key sections : XXXX. Section 611 ( 15 U.S.C. 1681i ) - Procedure in case of disputed accuracy : This section outlines your right to dispute inaccurate or incomplete information on your credit report. It requires credit reporting agencies to investigate the dispute and correct any inaccuracies found.

2. Section 605 ( 15 U.S.C. 1681c ) - Information excluded from consumer reports : This section specifies what information can and can not be included in a credit report, reinforcing that only accurate and current information should be reported.

3. Section 623 ( 15 U.S.C. 1681s-2 ) - Responsibilities of furnishers of information : This section requires creditors and other furnishers of information to provide accurate information and to correct any errors reported to credit bureaus.The
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$12000.00}
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of fraudulent accounts listed on my credit report due to a data breach in which my personal information was compromised. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that the accounts below be removed from my report without delay. 
Fraudulent Accounts XXXX. BankruptcyXXXXXXXX XXXX Case Number : XXXXXXXX XXXX Filing Date : XXXXXXXX XXXX  Amount : {$0.00} XXXX. XXXX XXXX Account ID : XXXXXXXX XXXX Date Opened : XXXXXXXX XXXX  Amount : {$0.00} XXXX. XXXX XXXX XXXX Account ID : XXXXXXXX XXXX Date Opened : XXXXXXXX XXXX Amount : {$0.00} XXXX. XXXX/XXXXXXXX XXXX Account ID : XXXXXXXX XXXX Date Opened : XXXXXXXX XXXX  Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX Account ID : XXXXXXXX XXXX Date Opened : XXXX XXXX Amount : {$0.00} XXXX. XXXXXXXX XXXX XXXX XXXX  Account ID : XXXXXXXX XXXX  Date Opened : XXXXXXXX XXXX  Amount : {$3200.00} XXXX XXXX XXXX Account ID : XXXXXXXX XXXX  Date Opened : XXXXXXXX XXXX  Amount : {$6400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$38000.00}
Product: Debt collection

Upon reviewing my latest credit report, I noticed multiple accounts that appear to be inaccurate and were added without my authorization. Kindly block and remove these fraudulent accounts from my report.
Product: Credit reporting or other personal consumer reports

TransUnion is the only credit consumer reporting agency that is reporting the ( XXXX XXXX XXXX ) account status as collections/ charge off ; however, according to TransUnion online monitoring services report, I have no late payment and no collection therefore it's an inaccuracy. This violation of 15 U.S. Code 1681e - Compliance procedures reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Delete the collections/ charge-off off account XXXX XXXX XXXXfrom the consumer report. Please see the attached supporting documents.
Product: Debt collection

We moved from one place to another we had XXXX XXXX XXXX XXXXXXXX XXXX we were 2 months shy of finishing out our contract when we moved the place we moved to wouldnt allow a sattelite dish i contacted XXXX XXXX XXXX  they said we can go there other package which is XXXX and as along as we stay customers it would not be a issue well somewhere along the line it went to a collection agency which it wasnt suppose to tried to explain this and to have the the charges removed from my credit report the supervisor got nasty with me we aint removing it i said fine then we will go court then.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for Purpose.
Product: Checking or savings account

In XXXX XXXX XXXX I go into pnc bank and was told my account has been frozen some lady called from another state and froze my account and told me the bank was closing my account because my friend went into another pnc bank and added cash into my bank account also I had a open dispute opened and they did not follow the correct percedure to settle it instead they closed my account and took XXXX  out of my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB I would like to put a complaint on the credit agencies and XXXX XXXX XXXX. I also will put a complaint with the XXXX. I am questioning account number. Due to the fact I have sent several dispute letters to credit reporting agencies since this year XXXX and it comes back verified every single time. They are claiming that I owe { {$470.00} } to XXXX on my credit report. I have contacted XXXX XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. I have even submitted a complaint through CFPB and the company has not replied. I have sent numerous letters to XXXX XXXX regarding an alleged debt that I owe via certified mail. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters. I ask these accounts to be removed from all three credit files.
Product: Checking or savings account

This was with Bank of America. My Name is XXXX. I disputed a transaction that was fraudulent but they've claimed their unable to pay me after making me wait a month. Had it not been able to been paid why would I've not been told sooner? The payment was made before I released the website was a fake copy of a another one. I will never receive the product. I want my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Please have the following inquiries removed from my credit file immediately because I did not authorize them and they are fraudulent. ( List Fraudulent Inquiries ) : XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX says I owe them {$140.00} as of the status date of XXXX. I have NO idea about this debt whatsoever, and moreover, I dispute it. When I tried to contact the company, I was told they could n't find my information. 

Also, XXXX XXXX XXXX says I owe them {$490.00}, as of the status date of XXXX. I have once again, received NO information regarding this debt, and have not been able to have anyone contact me on the phone when I tried to call this company twice. They told me someone would return my call. No one has.
Product: Debt collection

This debt does n't belong to me I never rent a property with Westlake Financial. I request this account to be removed from my XXXX Credit Bureau.
Product: Money transfer, virtual currency, or money service

So what happened was I ordered something off a website on XX/XX/XXXX and it was supposed to be delivered to me on XX/XX/XXXX so what happen was I payed XXXX on my key bank and my XXXX as well to get the item this guy name XXXX XXXX XXXX XXXX said I have to pay another additional shipping for my package he was telling me to pay XXXX and the package was coming from XXXX XXXX so when I payed hes talking about I have to pay more and the company also said that too so I talked to key bank and XXXX to get a provisional credit and I also sent over documents as well so they both denied my claim and XXXX closed my account for no reason so everything about the guy that scamed me will be in the documents my key bank claim number is XXXX my XXXX claim number is XXXX.
Product: Credit reporting

Roughly 5 years ago, in my mid XXXX, I filed for bankruptcy. I hoped that by doing this in my early adult life, I could then be prepared to move forward with my life ( buying a home, starting a family ) in my XXXX. Now, at XXXX last XXXX XX/XX/2014 I started my search for a home! 

Upon receiving my pre-approval and getting my credit report, it was brought to my attention that there was an outstanding amount for {$3500.00} with XXXX on my report. I went back to my bankruptcy paperwork and yes, this {$3500.00} was in fact included in my bankruptcy -- it was paid, but somehow 5 years later was still a huge red flag of delinquency on my credit report. I could n't believe it had been sitting there for 5 years hitting my credit negatively. 

In XXXX, I sent a certified letter to XXXX XXXX XXXX XXXX asking them to remove it. I did n't receive a response. When I called to follow up on the status, they directed met to call the XXXX credit bureaus to have them take it off on their end. I ended up getting in touch with TransUnion via a form, and received a cryptic response of their " investigation '' -- the amount still was on my credit report. 

Today, I sit in complete and utter sadness -- my loan for the home I 'm looking to purchase is at a dead stop because of this incorrect listing on my report. I spent most of yesterday ont he phone with XXXX, asking them to remove it as swiftly as possible ( I 'm t minus 4 days until my targeted closing date ). Their response : " an investigation will take XXXX hours and a solution could take XXXX more days on top of that to remove it ''. I more than likely will be losing my opportunity to purchase this home because of their lack of response to my initial letter in XXXX, and their incorrect, sloppy administrative practices -- XXXX months of " deliquent '' has been hitting my credit report and now, preventing me from obtaining a loan to buy a home, despite years of work to repair and move forward from my early credit issues. 

I 'm devastated and do n't really know where to turn at this point. I plan on following up with XXXX today to try to make them remove it again, but I 'm terrified the sellers will be backing out and additionally, I will lose the {$14000.00} deposit I 've already submitted. I ca n't believe this is happening ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed erroneous accounts with Experian and XXXX  for many months without any responses sent back to me from the credit bureaus. The accounts listed in the attached file should be removed as the credit bureaus have violated the Fair Credit Reporting Act. I have attached the most recent letters sent and have provided the certified mail receipt numbers as evidence to the credit bureaus receiving my letters. 

Certified Mail Receipt Numbers XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Experian
Product: Debt collection

We are inquiring about treatment received from XXXX XXXX XXXX on or about XXXX XXXX, 2011. XXXX sent an unpaid bill to a collection agency, Health Services Asset Management for collection, despite us having verification issues with the debt. 

Health Services Asset Management is telling us they no longer have the itemized statement from the creditor, and can not prove the details of the debt. They can only prove this debt is owed because a dollar amount was turned over by the original creditor. 

We need proof of this debt. We had XXXX insurance companies, so there should not be as large of a balance, especially since the doctor providing service was an in network doctor on both plans, and our deductible had been met. We can not validate this bill based on the information Health Services Asset Management is giving us. 

They have placed this item on our credit reports, and we stand to lose over {$7500.00} in earnest money on a house because of it.
Product: Money transfer, virtual currency, or money service

Someone fraudulently collected {$290.00}, {$400.00}, & {$200.00} using XXXX banking application out of my Bank of America account, on XX/XX/2018 at approximately XXXX. 
I immediately contacted the Bank of America fraud department. The representative I talked to explained to me that it would take them 10 days to investigate what had happened. In the meantime I am left with a negative balance and it's up to me to put money into the account when I had {$950.00} before the fraud. 
XXXX does take any responsibility for the fraud and simply deleted my profile as I asked them too. Bank of America advertises XXXX services on their website, yet XXXX is not a secure bank app. 
I hold both XXXX and Bank of America responsible for what happened to me. 
XXXX should be willing to check into the matter and Bank of America should not recommend fraudulent banking services.
Product: Debt collection

I sent an negotiable instrument registered mail # XXXX in the amount of {$5500.00} that was received XX/XX/year> the account was in dispute but never updated the payment. I also sent a billing error dispute certified mail # XXXX XXXX XXXX XXXX XXXX XXXX that was received by the company XX/XX/year> again no update or response other than the account being in dispute. 

For the other account on my dispute letter a negotiable instrument was sent as well registered mail # XXXX that was also received XX/XX/year> nothing was updated. A billing error dispute sent certified mail # XXXX XXXX XXXX XXXX XXXX XXXX again nothing was done. As this company never credited my account for the certificate of indebtness. Everything this company writes off I'm supposed to get a statement to report to my taxes since its considered income. I have yet to receive any 1099s that this company has filed by XX/XX/XXXX of every year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is a dishonest company that sells online services that don't work, has an unhelpful staff, and provides incorrect financial data. They have been damaging my credit and reputation by posting false financial information and unverified accounts on my profile since 2019. 

My Transunion credit dropped XXXX points after I was able to remove two derogatory accounts from my credit report. 

I paid off thirteen accounts with revolving debs reducing all my balances to XXXX, removed two derogatory accounts that were listed on my profile, and they did not favorably update my credit score as I expected. My score inexplicably decreased by XXXX points. Transunion has caused extreme harm because of its faulty financial surveillance business model. 

Inaccurate payment history information prevents me from obtaining the credit that I'm trying to apply for because it's lowering my credit score.

This complaint is being sent to you in response to TransUnion 's erroneous reporting of financial information and the highly negative impact on my credit report.