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

XXXX To : ( XXXX, experian, XXXX ) Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX : ( XXXX XXXX XXXX XXXX. XXXX XXXX, Ga XXXX ) Dear Consumer finance protection Bureau & XXXX XXXX and XXXX and Experian Pursuant to the FCRA & the FDCPAI now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 609 Disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified.

Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Fair Debt Collection Practices Act Section 809. Validation of debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX  regarding their failure to provide verifiable information to credit reporting agencies, resulting in inaccurate reporting on my credit report. Despite my attempts to dispute the information, XXXX XXXX XXXX XXXX has failed to furnish accurate details, thereby adversely affecting my creditworthiness and financial standing. 

On XX/XX/2023, XX/XX/2023, and XX/XX/2023, I mailed a dispute letter to the address listed on my credit report XXXX XXXX XXXX XXXX XXXX TX XXXX, requesting clarification and verification of the information pertaining to XXXX XXXX XXXX XXXX. However, to my dismay, the letter was returned to me as undeliverable. This indicates that XXXX XXXX XXXX XXXX  has provided incorrect or outdated contact information to the credit reporting agencies, making it impossible for consumers like myself to communicate effectively with them. 

Enclosed with this letter, please find a copy of my original dispute letter, along with the returned mail envelope, as evidence of XXXX XXXX XXXX XXXX  's failure to furnish accurate information. This demonstrates that XXXX XXXX XXXX XXXX is not fulfilling their obligation to provide verifiable information to credit reporting agencies, thereby violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

We refinanced our home at the end of XX/XX/XXXX. Wells Fargo Home Mortgage bought the note. We made payments in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Despite numerous attempts to get Wells Fargo Home Mortgage to report our payments to the credit reporting agencies, they still refuse. The only payment that shows up is the XXXX payment and that is because I filed a formal dispute. The report shows that Wells Fargo is saying our account is in forebearance until XX/XX/XXXX, which is not true. Our credit scores dropped over 75 points because it looks like we have not had a home or payment for five months.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXXDate Opened XXXX BALANCE {$0.00} Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Applied/Approved and opened the Bread XXXX XXXX XXXX the beginning of XX/XX/2022. {$3000.00} limit. 

Received card about a week later and activated. Didn't try to use it for another week or so. 

Tried to book a room online for a trip and was denied. Thought maybe I entered info wrong so I tried to add it to my XXXX wallet and pay that way. Denied. 

I called Bread/Comenity who had me verify all of my information and then told me they couldn't tell me why. They told me they weren't allowed to because of fraud and that I needed to EMAIL them a copy of my drivers license, social security card and utility statement. I told them that was suspicious and they said they would just send me a letter in the mail about it. 

No letter arrived so I called back and they said they would send another letter. This was the case through XXXX, and now in XXXX I am contacting the CFPB. 

I can still log into the account online and it shows the XXXX as available credit. 

The haven't reported the account to any Credit bureau, they also haven't reported any of my other Comenity card history since XXXX. There is a whole thread of people on the credit forum that are having to dispute their reports just to get them to report. 

If they didn't want to give me the account that is fine, but don't issue the account then lie about fraud after the fact. I am tired of waiting on hold for them to try and get me to send them unsecure emails with my SS in it.
Product: Debt collection

American Medical Collection Agency has called me at least 10 times a day, after I specifically asked them not do. They were very rude on the phone. This is regarding a {$92.00} debt from XXXX, that is incorrect. I told them that my insurance was not billed correctly ( they billed XXXX instead of XXXX insurances ) and that I was working on it with XXXX and thus was not going to pay it until the proper insurance went through.
Product: Credit reporting or other personal consumer reports

Republic Finance is using my credit report as collateral as a method to repossess a loan that was issued through XXXX XXXX. Republic Finance had access to my XXXX XXXX XXXX  Report and knew I lost my job and continued to market to me despite not seeing any funds in my account. This was using deceptive practices and caused substantial injury, as a result, is punishable by law at {$1000.00} per violation. The FCRA Law states that. Federal Trade Commission Act/Dodd-Frank Act states that these practices can not cause harm to consumers, and this issue with Republic Finance has caused substantial harm to my credit report as well as mental anguish. This item needs to be removed from my credit. I never received a 1099A Acquisition or Abandonment of Secured Property 1099c Cancellation of debt. This company uses swap methods and knowingly has traded this note on the secondary market and is seeking only interest payments. XXXX XXXX XXXX  through XXXX XXXX, which is part of XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I secured an auto installment loan to finance a used car at the XXXX XXXX dealership ( XXXX XXXX XXXX XXXX, XXXX XXXX, FL ). 
Upon checking my FICO credit scores shortly thereafter, I was surprised to find that they had plummeted - from XXXX to XXXX. The only credit score factor that led to this drop was the number of hard inquiries, reported to be 5. 
I am concerned about these 5 reported hard inquiries for several reasons, chief among them that ( 1 ) when trying to secure a loan such as an auto loan there is usually a short window of time within which all hard inquiries are counted as a single inquiry, thereby minimizing credit score impact, ( 2 ) I did not authorize this many inquiries, and ( 3 ) I am naturally wary of potential identity theft.

How could it be, I ask, that a relatively good consumer like me see her excellent credit scores plummet virtually overnight by simply seeking an auto installment loan? 
It is my sincere wish that the CFPB assist me in unraveling this perplexing matter. 
Thank you, respectfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  TRANSUNION AND XXXX  on XX/XX/2021 to remove all information on my consumer report. As I did not grant permission to furnish any information on my consumer report. All I got was the run around. I have been restricted of living life due to identity theft, because I did not give consent to furnish a report in the first place.
Product: Debt collection

I moved from XXXX to XXXX in XX/XX/2017 I call XXXX and inform about the move on XX/XX/2017 and ask to close my account. The operator ( XXXX ) told me that it will be automatically closed at end of the billing cycle which is in XX/XX/XXXX. The account did not close because there was a XXXX ( hot spot ) that I ordered in XX/XX/XXXX was not return to the system. XXXX did not contact me regarding the system not returned or the account not close. They contact my son which he was not the main holder. i was not aware of the situation until XX/XX/2017. I told them I return the XXXX already and after checking through her system they found the hot spot was in the warehouse but no one enter it to my account. This problem is causes by XXXX careless warehouse worker that did not input my return XXXX back to the system. Therefore I dont believe that I owed this amount to XXXX. 
i have attached my credit card statements to show that the account was auto paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am member of the class of federal student loan borrowers covered by the recent settlement of the Sweet v. Cardona ( " Sweet '' ) lawsuit. I submitted a Borrower Defense to Repayment discharge application relating to my federal student loan ( s ) on or before XX/XX/XXXX, and it was approved. Pursuant to the Sweet v. Cardona settlement, this account must read " Paid Satisfactorily '' and ALL ( past, current, future ) fraudulent payment information is to be updated to " paid on time ''. I have also attached my dispute letters from XX/XX/XXXX that were sent to TransUnion and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These items below do not belong to me and they are stopping me from buying a home. 
XXXX  XXXX # XXXX {$3100.00} XXXX XXXX # XXXX {$1000.00} XXXX # XXXX {$100.00} XXXX XXXX XXXX # XXXX {$330.00} XXXX XXXX XXXX # XXXX {$200.00XXXX XXXX XXXX XXXX # XXXX {$200.00} XXXX XXXX XXXX {$3600.00} {$0.00} XXXX XXXX # XXXX {$59.00}
Product: Credit card

Never sent me the merchant 's response paperwork so I could properly file my appeal. Never gave me the proper time allotment to file my appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a negative account with Experian. The creditor is with XXXX XXXX and they havent resolved my dispute internally, yet Experian has said there is an update to my XXXX XXXX XXXX account. Experian continues to report false information. Experian continues to violate my rights to receive due diligence from my creditor that I have an dispute with. Experian should not be able to update an account unless the credit answers for them to do so. Experian is the only company that practices this way. In this climate Experian needs to be more transparent with how and whom they decide to update in 15 days. XXXX XXXX is still investigating so why did Experian make a decision against me. I feel violated and I know somewhere down the line Experian tactics will be exposed.
Product: Checking or savings account

I keep having to re-wire funds to pay for the same item due to Capital one not providing me proof of funds sent. When they do send something it expires before I can read it. So I request it again but I dont get it in a timely manner and then need to re-wire the funds again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax and XXXX and XXXX on several occasions by CERTIFIED MAIL ( which I have proof of ), bringing it to their attention that XXXX XXXX was reporting inaccurately with the amount I allegedly paid to settle a debt and they have all refused to remove it besides XXXX. The 1st certifed letter was sent on XXXX X/XX/17. Second letter was sent X/XX/17. Third letter was sent X/XX/17.And the final letter was sent X/XX/17.. XXXX conducted a FULL investigation and realized that I was right and removed the inaccurate account from my report. XXXX and Equifax have continously lied and said that it was verified as accurate which I have proof of that that is not at all true. I would like to move forward with a lawsuit and complaints against both parties for refusing to honor my rights as a consumer to only have ACCURATE information reporting on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX Account Number # XXXX ... has violated several of my rights by reporting this same account multiple with different original balances and multiple late fees for each reporting.

15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer can not furnish an account without my written instructrions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose. 

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 XXXX XXXX XXXX XXXX reported my car account delinquent I have never been 30days late in my account. This caused me not to be able to refinance my home.
Product: Debt collection

The original debtor XXXX, XXXX. in regards to ( XXXX CREDIT CARD ) # XXXX has notified me with a cancellation of debt letter form XXXX that pertains to THIS SAME DEBT with XXXX different collection amounts. Below are the collection amounts with XXXX different collection agencies that show still show on XXXX credit report that need to be REMOVED ASAP since I paid the cancellation of debt tax already with the XXXX form which I am submitting in PDF FORM in this email today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Know that the following inquiries were unauthorized. I have not reached out to any of these companies nor inquired about anything. There must be something wrong with TransUnion 's investigation which they should eventually correct. Please see the inquiries that are unfamiliar to me. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Debt collection

I received a voicemail on my cell phone around XXXX PST on XXXX/XXXX/2015 from " XXXX '' from Northwind Associates, a debt collection agency. XXXX states that she is a legal courier for the county and that she has legal documents with my name and social security number on them and that if I do n't call back within 24 hours, it will be recorded with the county as a lawsuit and a refusal, where they will get a default judgement against me. I called back the offices of Northwind Associates at XXXX and asked for their mailing address and company information. I was told by their associate that their mailing address is : XXXX XXXX XXXX XXXX, NY XXXX I did a search for their company name and another search for their address with the NY Department Of State and this company is NOT a registered business, nor do they have a license to be a debt collector. This is their website, showing the same address as above : XXXX I believe this company is acting as an illegal debt collection agency and preying on consumers who fall for their scam.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of several fraudulent accounts appearing on my credit report. As a victim of a data breach, I am entitled to this action under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Please find the details of the fraudulent accounts below : XXXX. XXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$9500.00} XXXX. XXXXXXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$9600.00} XXXXXXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXXXXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$6000.00} XXXXXXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$10000.00}
Product: Credit card

I recently had a credit report pulled by XXXX XXXX  XXXX for a construction loan which reflected a derogatory credit history associated with JP Morgan and Chase Bank ( JPMCB ) credit cards. The accounts in question are XXXX XXXX account : XXXX and XXXX XXXX : XXXX. My credit report shows a 150-day delinquency both credit cards from XX/XX/XXXX to XX/XX/XXXX. 

On XX/XX/XXXX, I paid off each balance in full and closed both accounts. I provided this payment over the phone directly to a JPMCB employee to avoid any misunderstanding through an online transaction. The JPMCB employee I spoke with confirmed during the call that each card was closed and paid off, and this account closure and full payment were confirmed in writing in the statements attached as enclosures 1 and 2. Furthermore, each monthly statement following also included a statement, Your account is closed and no longer available for use. Based on JPMCBs verbal statements and my online account statements, I understood the accounts to be closed and paid in full. However, in XXXX of XXXX, while purchasing a new vehicle, I was informed about new delinquencies related to these accounts and associated late charges and fees. I initiated multiple phone conversations with JPMCB to relay the history and provide documentation of payment and account closure. JPMCB reversed the post-account-closure charges and fees, crediting all charges back to the accounts and I again obtained confirmation of both accounts ( enclosure 3 and 4 ). 

On XX/XX/XXXX, XXXX XXXX  XXXX pulled a credit report which again reflected erroneous derogatory information, shown in enclosure 5. I contacted JPMCB again and the institution referred me to XXXX XXXX to resolve the problem. I contacted XXXX XXXX, which referred me back to JPMCB.
Product: Debt collection

Afternoon, I have reached out to XXXX XXXX through certified mail and phone with no resolution. They have placed an account on my credit report without validation. I have requested validation on several attempts and have gotten nothing. Please hep me
Product: Credit reporting, credit repair services, or other personal consumer reports

This investigation has been a on going matter. Transunion, XXXX and XXXX sent me a credit report XX/XX/2021 stated XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has add a derogatory mark on my credit report per XXXX XXXX Upon further research this account, Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was no written form of communication, contact or written signature this does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( Transunion, XXXX and XXXX has violated my rights as a consumer and im requesting legal action to remove this account immediately. please provide
Product: Mortgage

To many times and dates to mention, this will be my second complaint due to the fact I never got the problem solved and now I am being ignored
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

I called Capital One on XXXX/XXXX/XXXX to try to resolve an old charged off account for {$900.00} payment today. The account has a balance of {$1700.00} and I spoke with a representative that says that the account is uncollectable and that they can not accept any payment because I had been issued a XXXX for this debt in XXXX. I would like to resolve this account for a paid in full {$0.00} balance to be reported to the credit bureaus. I have the ability to pay, but Capital One says that this debt is now uncollectable and forgiven. Please help.