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

I sent my letter off XX/XX/2023. I actually still have a copy of the letter that I sent to Trans Union. I don't have copies of the letters I sent prior to this one. I asked the bureaus continuously to investigate the accounts I have listed below for accuracy. 

According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible If they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA everything has to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

There are a number of items on my credit report that have been closed pre consumer request, that i would like removed form my credit report due to the alloted time they have been closed. In addition to, some item that to do not belong due to fraud/ identity theft that should be removed from my credit report. Thank you in advance.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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

Despite my repeated requests to the creditor merchant, GreenSky, telephone : ( XXXX ) XXXX that they report the correct balance on my account to the three major credit reporting bureaus. GreenSky continues to report an inaccurate balance of $ XXXX to the credit bureaus. The correct balance of my account is {$5800.00}. Please see attached supporting documentation. 

Additionally, I have contacted and made several requests to GreenSky for an updated pay-off letter so that I can provide it to the credit bureaus, but GreenSky tells me they can not provide such a letter because my request is, under investigation An inaccurate balance and incorrect reporting by GreenSky of my account to the credit bureaus reflects poorly on my credit score and my total debt to creditors. Please help me with my request that GreenSky report the correct balance of my account to the credit bureaus and provide me an updated payoff letter. Thank you.
Product: Vehicle loan or lease

Sent certified letter letter on XX/XX/XXXX with payment via detached coupon. On XX/XX/XXXX spoke with agent on a recorded line. I read the letter to the agent and ask for a formal letter of response in order to verify that the loan would be closed and if there was any additional amount owed that we may be able to address that. Since that call I received no notice of debt. 
On XX/XX/XXXX my vehicle was repossessed. The tow company trespassed onto my property to take the vehicle. I did not receive notice from anybody regarding who or why my vehicle was repossessed until XX/XX/XXXX. I sent an email to the repo company on XX/XX/XXXX and file the police report. On XX/XX/XXXX the repo company sent me an email in response to my XX/XX/XXXX and told me to reach out to the bank lien holder, Westlake financial, in order to resolve this matter. Call Westlake financial on XX/XX/XXXX ask to speak to someone and was told that I had to pay and that they don't respond to letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous attempts to alert credit bureaus to the fact that I have been the victim of identity theft and that I wish to inquire about specific data in my files that were obtained as a result of the crime. The paperwork I'm looking at has nothing to do with any purchases of goods, services, or cash that I've made or given the go-ahead for. Remove any information from my credit report that was allegedly obtained by fraud or extortion, assuming no one is looking. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not recognize and did not authorize
Product: Credit reporting

Hi Equifax hope you having a pleasant day, I am sending this to you again, there is a fraud Address on my report and I have asked you guys to take it off. The fraud address is XXXX XXXX XXXX XXXX il XXXX Please remove this fraud address. I have submitted copies for the 8th time to prove who I am Thank you. 
I was out of the country for awhile and I had a lot of Identity theft.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report as well as knowing the laws when it comes to credit, looking at according to FCRA section 605b it is illegal to report information on my credit report without my permission. 

XXXX Account Number : XXXX is violating my fair credit rights according to 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 any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been mailing letters requesting that items on my credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XXXX of XXXX. It's frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.
Product: Debt collection

I hope this letter finds you well. I am writing to formally dispute the accuracy of information on my credit report maintained by your bureau. Upon reviewing my credit history, I discovered the presence of a late payment entry that I neither acknowledge nor recognize. 
Account Information : ROYALPCFXXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. Either there may be a system error or this account may be with another holder with the same name.

I believe that this late payment entry may be the result of inaccurate information or a possible mix-up with another account holder who shares my name and similar information. 
I kindly request a thorough investigation into this matter to verify the accuracy of the reported late payment and, if necessary, remove it from my credit report. I understand the importance of accurate credit reporting and the impact it has on my financial well-being. 
If there is another account holder with the same or similar name and information, I urge your bureau to take the necessary steps to differentiate our accounts accurately to avoid any future discrepancies.
Product: Credit card or prepaid card

This will be my 2nd attempt to solve this issue through CFPB. Please note that Synchrony bank states that i canceled my credit protection VIA telephone in XX/XX/XXXX. THIS IS NOT accurate. At NO time have i have i ever requested for Credit Protection to be cancelled on any of my accounts. Furthermore the covered event started in XX/XX/XXXX when my account was fully covered. I owned a XXXX XXXX and was self employed my XXXX was involved in a non at fault accident. The at fault drivers insurance company has yet to settle the case as of XX/XX/XXXX I lost my XXXX and XXXX XXXX due to having no vehicle to present to the city for inspection. I lost my business in full in XX/XX/XXXX. I was forced to take a Job for {$8.00} a hour part time at XXXX XXXX XXXX in XX/XX/XXXX. This job ended in XX/XX/XXXX with Unemployment and a pending Lawsuit. All is documented and proven on paper to Synchrony bank multiple times. From the time of my wreck in XX/XX/XXXX this account should have been covered, as the job i took was for less weekly than i made prior per night when i owned my XXXX however it was the only job available to me in a horrible local job market. AGAIN DURING THE DURATION OF MY SECOND JOB I MADE MUCH LESS AND WORKED LESS HOURS THAN WHILE SELF EMPLOYED ( THIS IS COVERED VIA THE CONTRACT FROM CREDIT PROTECTION ) Once again also at NO TIME did i request that the Credit Protection on this account be cancelled and the entire job loss should be covered. To take you have not updated the accounts minimum payment it still remains at {$400.00} with a little over a 1200.00 Balance this is not good business practice my next step will be to report to this company to the Attorney General of the State of South Carolina if all issues are not corrected.
Product: Money transfer, virtual currency, or money service

Cash App, closed my account, with my XXXX XXXX and i'm not able to access them i tried to contact an agent they keep saying in 24 hours they will tech out it has been over 6 months since then
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Debt collection

NOTE : My name was previously XXXX XXXX. I got divorced and legally changed it back to my maiden name- XXXX XXXX. Either name may show up on records here. 

On XX/XX/XXXX, I received a final statement and ledger via email from XXXX on the XXXX apartments ( a carter haston community ). I will attach it here. It indicated that I did not owe anything after moving out of my apartment ( XXXX ) ; I was paid in full. Additionally, the statement indicated that the community in fact owed me money. I did in fact recieve that money promptly. 

Then, at the very beginning of XX/XX/XXXX, I received a letter from XXXX indicating that I owed XXXX -- an amount I had never seen or heard of before. I tried contacting XXXX on the XXXX via email and phone at least 8 times over the following few weeks but did not receive call backs or confirmations that action was being taken. Finally, I was able to get through to XXXX XXXX, who told me she would return my call after having a chance to look over my ledger. A full week later, I still had not heard anything back. So, yesterday, XX/XX/XXXX, I called the community again and was informed she would be calling me back by close of business. Again, I heard nothing. 

This morning, XX/XX/XXXX at XXXX XXXX, I finally received an email from XXXX XXXX It indicated that she couldn't tell where the account balance came from as she could only see my account so far back as XX/XX/XXXX ( I lived in the apartment complex starting in XX/XX/XXXX ). She sent the ledger she did have, which at no point shows why I supposedly owe this amount. It just exists somehow. I have tried to call and email back, with no response. I have also called the XXXX XXXX at XXXX XXXX ( XXXX XXXX ) and left a message with no response. I also have mailed the XXXX company with my dispute, prior to the date they indicated they needed it by. ( Mailed XX/XX/XXXX, due XX/XX/XXXX ) This is absolutely unfair and outrageous. I will not pay this debt as there is no way to show where it came from and it conflicts directly with all of the information i was provided by the complex throughout my move out process. Thank you for your help.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the correction of inaccurate information on my credit report. This is my attempt to rectify these errors, which are significantly impacting my creditworthiness. I request that you provide written confirmation of the results of your investigation and the steps taken to correct these inaccuracies. Additionally, please send me an updated copy of my credit report once the corrections have been made. 
Please help me correct or remove the following items : XXXX. XXXX XXXX XXXX  Balance Owed : {$2200.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

3. XXXX XXXX  Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove it. 
4. XXXX XXXX Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Credit reporting or other personal consumer reports

This complaint is to request the removal of the fraud alert on my personal credit report.
Product: Credit reporting or other personal consumer reports

CONSUMER ID XXXX ; XXXX  XXXX XXXX XX/XX/year>, I DID NOT AUTHORIZE OR BENEFIT FROM THE INQUIRES LISTED. THESE ACCOUNTS ARE BEING REPORTED WITHOUT MY CONSENT, WHICH BREACHES Title 15 U.S. Code 1681b ( 2 ) ( a ). I DEMAND THEIR IMMEDIATE REMOVAL, AS THEY INFRINGE UPON MY CONSTITUTIONAL RIGHTS TO LIFE, LIBERTY, AND PURSUIT OF HAPPINESS. PROMPT ACTION IS REQUIRED TO RESOLVE THIS ISSUE.
Product: Debt collection

I received  XXXX  collection notices from AFNI Collections for debts that do not belong to me. This collection agency has continued to call my cell phone and has also called family members attached to iformation that they received from the internet. I am being harassed.
Product: Credit reporting or other personal consumer reports

On all 3 credit reports ( XXXX, XXXX, Equifax ) there is unknown address, Names, Date of births. My ONLY Name, Address, and Date of Birth is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX XX/XX/year> There has been numerous collections placed on my credit report without my knowledge nor have I not been notified of such collection tied to my account.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED XXXX XXXX XXXX, which outlines the permissible purpose of consumer reports. I have requested Form XXXX from XXXX, XXXX XXXX, XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE XXXX BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Debt collection

This started XXXX when I had a mobile phone account with XXXX. They said I added a device to my account which was in XXXX XXXX. I live in XXXX and did not ever get device in question. After trying to resolve this issue for 8 months I changed carriers to XXXX  on XX/XX/XXXX. This has been 7 years they have tried to collect this. 
In addition they have harassed my daughter about this debit who has nothing to do with it.
Product: Student loan

I an trying to refinance the loans for the last three months. This is not the first time. Try finding the site, even with a bookmark. The site is buried and very hard to find. Every time I sign into the site, my password doesn't work. That takes twenty minutes to get fixed. I have a password safe that remembers the password. That is them deleting my password. Then when I get in, my paperwork, which was accepted the last time I was signed in, suddenly isn't there or repeats that I have to submit it again. As though I never submitted it. It reports it isn't registered as accepted. I have to submit it again. I've done it four times so far in the last three months. I haven't even tried in the last month because I know I'll have to spend a good hour resetting and resubmitting everything, and it will all be deleted or ignored. They never were going to refinance me.No human has ever contacted me. The dates they have on their website saying that someone will contact me in three days ...? No one ever has. I can not get anyone on the phone. The phones transfer me around and then hangs up on me.. I get emails that say it's ( My paperwork ) accepted, then it removed off their site. I've been paying at the highest rates for 20 years and they never succeed in getting refi done. I'm out of work now and can't qualify for refinancing any more. I'm about to retire, so they successfully locked in the highest rate for 27 years. 
I never asked for Navient to take over my servicing. I never liked them. Getting service is impossible. The password thing has been prevalent for 20 years. They purposely make every attempt to lower rates impossible. I feel like the government sold me out to the highest criminals they could find. This has had to have cost me {$10000.00} over the years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has marked my account down for XXXX points for a new collections account being added. XXXX XXXX XXXX is the collections company. I look at my report and all the accounts show as old, and that there is no new collections. I think XXXX XXXX XXXX  has re-aged old collections to look new and thus hurt my credit score. They have done this two other times in the past. That is the only explanation that seems reasonable. Or this credit bureau is discriminating against me because of my race or gender, or both cause there is no new collection on my report. I do not acknowledge the debt as valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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  has violated my rights. 

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
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on PENN CREDIT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I acquired a timeshare with XXXX XXXX XXXX which was paid regularly each month since XXXX when the timeshare was acquired. 
Although my family and I were not able to use the timeshare throughout the COVID 19 period since XXXX, I continued to pay my installments through my bank as promised. Between XXXX and XX/XX/XXXX, to the pandemic and loss of family members, I made some calls to XXXX XXXX XXXX during which I had a conversation with XXXX agents, letting the know that my entire family was infected with XXXX and to defer payment until I was able resume payment. XXXX recorded all my calls. My understanding during was that XXXX would be supportive and freeze my payment until I was able to make payments. XXXX reported my account to the credit reporting agency as late. I have made multiple calls to XXXX were they transfer me from one answering agent to another, while refusing to bring the issue to their leadership team for discussion in order to remove the late charges from my record. This is now a serious matter affecting the relocation of my family to a state a home purchase loan approval, despite the fact that I am about to sell my home and pay off the balance I owe to XXXX XXXX XXXX. I want Equifax to review my credit history and evaluate my payments with XXXX since XXXX, and my late payments only occurred from XX/XX/XXXX, they should remove these from my records.