23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

Hello, I hope this message finds you well. I am writing to bring to your attention a pressing matter regarding a debt settlement agreement that appears to have been mishandled by Freedom Debt Relief ( FDR ) and its affiliated companies.

Six months into my dedicated account with FDR, I was directed to XXXX XXXX, who proposed a loan through XXXX XXXX  to settle thr
ee credit cards. Regrettably, the subsequent contract from XXXX XXXX failed to specify the inclusion of all three cards. Consequently, my credit report now indicates an outstanding balance of {$6000.00} for XXXX, one of the originally enrolled cards. 

Upon contacting the XXXX XXXX XXXX XXXX XXXX, responsible for XXXX, I learned that FDR failed to fulfill the settlement agreement of {$2400.00} proposed on XX/XX/XXXX The settlement was never executed, rendering it void. 

I have diligently paid XXXX XXXX  every month, believing that all three cards were included, only to discover that they are handling only two of them. I urgently seek your assistance in facilitating an escalation with FDR and Achieve to rectify this misleading situation and ensure the settlement of the pending XXXX balance on my credit reports. 

Your prompt attention to this matter is greatly appreciated, and I look forward to a swift resolution to restore accuracy to my credit profile. 

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

I am writing to file a formal complaint against Experian regarding their handling of a dispute I filed concerning inaccuracies on my credit report. Despite providing comprehensive evidence to support my claim, Experian has failed to conduct a proper investigation and rectify the errors in my credit file.I 'm not satisfied with the results of my investigation. I would like to know exactly how you went about investigating the accounts that I questioned. Please furnish the names of the individuals who stated that the information was verified along with any supporting documentation received to justify the accounts still reporting on my credit report. Again here are the accounts in question below. 

XXXX XXXX : Account number : XXXX, I have never had any business relationship with this company. Therefore, it's impossible for this account to belong to me. Please delete this account from my credit report. 

XXXX XXXX XXXX XXXX : Account number : XXXX, I have no recollection of authorizing this credit pull. I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX | XX/XX/2023 : Account number : XXXX, I have no recollection of authorizing this credit pull. I want it removed from my credit report IMMEDIATELY!

Please send me my full credit report along with what I have requested. If you are unable to complete what is requested. I am asking you to delete these accounts from my credit report and abide by my request.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX breach has cost me and consumer billion of  dollars XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open cra violation not mine no knowledge of acccounts Payment Status Current Status Updated XX/XX/XXXX Usage 111 % Balance {$7200.00} Balance Updated XX/XX/XXXX Credit Limit {$6500.00} Monthly Payment {$210.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive Been having an issue with XXXX, XXXX, and Experian updating my personal information. I have contact them on several occasions ( XX/XX/2022 ; ( XX/XX/2022 ) via certified mail and they have had blatant disregard to what i have asked. The only name that need to be on my consumer report is XXXX XXXX and the only address that needs to be reporting is XXXX XXXX XXXX XXXX, MA XXXX. Please remove all other names, addresses, and jobs as they do not belong to me or associated with me by any means. 

Also this is inaccurate accounts reporting on my consumer report and I'm requesting they send me a debt validation letter for the following accounts XXXX XXXXXXXX acct # XXXX XXXX acct # XXXX XXXX  ( Original Creditor : XXXX ) acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX ; XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting or other personal consumer reports

This account is fraudulent, and I believe it was opened without my knowledge or consent. I have taken the necessary steps to report this fraud to the appropriate authorities and have filed an identity theft report. A copy of the identity theft report is enclosed for your reference. 

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C.1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

This account is way too old to be on my credit report and they refuse to take off!
Product: Credit reporting or other personal consumer reports

For complaint XXXX TransUnion closed my complaint and claimed they sent a letter requesting more information. I never received a letter from TransUnion. Additionally they sent me an email with my dispute results with XXXX security to view the update. But the multifunctional authorization failed to send me an authorization code to log in. I believe TransUnion is doing this to avoid addressing consumer complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/21 I sent a letter to the three credit bureaus in regards to negative accounts that are incorrect and I asked them to investigate and respond to me and they have not. 

these are the accounts I asked them to look into. 

1. XXXX XXXX XXXX ACCOUNT NUMBER : XXXX 2. XXXX ACCOUNT NUMBER : XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX. 
ACCOUNT NUMBER : XXXX 4.XXXX XXXX ACCOUNT NUMBER : XXXX 5. XXXX XXXX ACCOUNT NUMBER : XXXX 6. XXXX XXXX ACCOUNT NUMBER : XXXX 7. XXXX XXXX ACCOUNT NUMBER : XXXX 8. XXXX XXXX ACCOUNT NUMBER : XXXX 9. XXXX XXXX ACCOUNT NUMBER : XXXX 10. XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Debt collection

Cedars business services called me on XX/XX/XXXX and is saying theyre a debt collector trying to collect a debt from XX/XX/XXXX When I was in Italy XXXX Stating it is a traffic violation and the amount due is about {$260.00} ( I can not remember the exact amount that they stated ) I paid my ticket which was less than {$50.00} back in XXXX which I have proof from my bank account The man kept insisting I pay {$67.00} for start and then I said No Ive already paid this and I will double check my statement. 
He was persistent to get money from me and said ok how about you just pay {$50.00} now I again said no He said he sent the info to my email address and the email address he mentioned ( Ive never had ) and then he asked for my phone number. Thats when I knew it was a scam. He called me! 
I said you called me, you have my phone number The phone call ended and then I received a call today with a voicemail to call back on XX/XX/XXXX This is a complete scam.
Product: Debt collection

This debt is from XXXX over five years ago. I faxed everything to XXXX5 years ago that I did not owe the {$600.00}. I fax a bank statements, receipts, and transaction numbers. XXXX sold This account I guess this year in 2022 and they have called me about this debt that I specifically do not owe. At this point it is fraudulent and action is going to be taken as this is affecting my credit and my life.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXXXX/XX/XXXX has violated my right I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 16811 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallt, after any reinvestigation under paragraph ( 1 ) of any information disputed
Product: Debt collection

This is my XXXX request to validate the charges that XXXX XXXX XXXX has placed on my credit report. The explanation that was provided in my original complaint ( XXXX, XXXX and XXXX ) was not satisfactory. I have asked for MERCHANT ADJ SERVICES, to validate that they have a XXXX agreement between myself and their company. It is the debt XXXX responsibility to provide proof of the debt, not refer me anywhere! YOU have absolutely refused to provide any documentation other than a bill This is not fair as a consumer to have a charge added to my credit report from this company and they provide a general response. I am requesting a higher lever of review of my case. I will not reach out to XXXX as they do not appear on my credit report. I have filed a complaint with the XXXX and I feel that my rights as a consumer is being violated. It is not my responsibility to reach out to a different company to assist you with providing me the proper validation. I am AGAIN, request that you provide me with the following documents : I am asking that this debit be completely removed if you are not able to validate the with the information I requested. This was my request : Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my XXXX information to you. Cease any credit bureau reporting until the debt has been validated by me. If you can not provide me with the information I'm requesting I am asking that you remove this debit from all XXXX credit bureaus immediately. Referring me to another company is not a satisfactory response. Here is the original request as from the XXXX : On XX/XX/year> I wrote all XXXX credit bureaus a certified letter requesting that XXXX XXXX XXXX XXXX XXXX debit on my credit files. The amount of the debts that are showing on my report is {$1500.00} with the date assigned listed as XXXX and account number XXXX and {$650.00} with the assigned date listed as XXXX, account # XXXX. Thank you, XXXX XXXX
Product: Debt collection

Approximately one month ago, a debt collection company named XXXX XXXX XXXX XXXX ( XXXX ) sent me a letter directing me to pay them {$8700.00}. I then reached out to them by calling XXXX. A representative answered and I explained to them that I do not have any such contractual obligation to pay them any money. The representative kept telling me that if I did not pay I would be arrested. I asked them to send me a contract that states that I have any obligation to pay them and all they kept stating was that I will be in big trouble if I don't make a payment. Again I explained to them that I do not owe them or any of their affiliates any money for any reason. The representative called me names and then I disconnected the call. They have yet to prove to me any type of contract bearing my name. I do not owe these people and do not have any contractual obligation to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

NORDSTROM is not under any LAW required to report any of my private consumer transactional information. NORDSTROM HAS THE OPTION TO REPORT MY INFORMATION TO THE CREDIT REPORTING AGENCIES which is why the consumer has the RIGHT to demand financial institutions to withdraw their reporting under 12 CFR and the FCRA. I have placed NORDSTROM on PROPER NOTICE on XX/XX/XXXX that I under 12 CFR 1022.24 and 15 USC 1681b permissible purpose request that NORDSTROM CEASE ALL REPORTING OF MY CONSUMER TRANSACTIONAL INFORMATION TO ALL REPORTING AGENCIES and was given 30 days to comply and perform their fiduciary duties accordingly. As of today XX/XX/XXXX  NORDSTROM has received my Notice and have willfully continued to report my consumer transactional information against my request, against my RIGHT, against CFPB regulations under 12 CFR and against the FCRA.NORDSTROM appears to be acting on its own accord with a total disregard to the LAWs it is obligated to perform under. NORDSTROM is in willful noncompliance!
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my ongoing concern and dissatisfaction with the numerous attempts to correct the reporting of late open account on my credit report, which is maintained by three Credit Bureaus. Despite my concerted efforts to rectify this issue, the late open account persist, adversely affecting my creditworthiness. 

The late open account in question still appeared on my credit file and it have been inaccurately reported as opened late. I have attached copies of supporting documents such as Driver 's License, SSN, and POA, to substantiate my claims and demonstrate the incorrect reporting of this account. 

I have undertaken several steps to address this issue : I have submitted disputes through your bureau, providing detailed explanations and supporting documentation to contest the inaccurate reporting of this late open account. 

I have communicated directly with the creditors associated with this account, seeking their cooperation in correcting the reported opening dates. Unfortunately, these efforts have not yielded the desired outcome. 

I have followed the appropriate channels to dispute this inaccuracies multiple times, yet the late open account persist on my credit report. 

The continual reporting of late open account on my credit report has a profound impact on my credit score and financial opportunities. It is crucial that this matter is resolved promptly to ensure the accuracy and fairness of my credit report. 

I kindly request the following actions to address this issue : Conduct a thorough and comprehensive investigation into the reported late open account, verifying their accuracy and timeliness. 

Collaborate with the relevant creditors to correct this error by promptly updating my credit file to accurately reflect the opening dates of this account. 

Provide me with written confirmation of the correction within the exact timeframe from the date of this letter. 

Implement enhanced quality control measures to prevent the recurrence of such errors in the future, ensuring the accuracy of credit reporting. 

Advise me on any additional steps or information required from my end to expedite this process. 

I recognize the importance of accurate credit reporting in the financial lives of individuals and trust that your bureau upholds the highest standards of integrity and precision in this regard. 

I request a response to this letter within the exact timeframe from the date of receipt. Failure to address this complaint adequately may compel me to seek legal remedies and escalate this matter to relevant regulatory authorities. 

I appreciate your immediate attention to this serious matter and your commitment to resolving it to my satisfaction. I am asking for your assistance to correct this late open account in my credit file : XXXX  XXXX XXXX Balance : {$180.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) protects personal financial information collected by consumer reporting agencies. The Act limits those who can access such infomation, and subsequent amendments have simplified the process by which consumers can obtain and correct the information collected about themselves. The FTC also actively enforces prohibitions on fraudulently obtaining personal financial information, a crime known as " pretexting. '' A. The No Disclosure without Consent Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 



Account name XXXX XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Auto Loan Date opened XX/XX/XXXX Open/closed Open Status Current, was past due 30 days two times Status updated XX/XX/XXXX Account name XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Credit Card Date opened XXXX XXXX, XXXX Open/closed Closed Status Paid, was past due 120 days Status updated XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Auto Loan Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Status updated XX/XX/XXXX XXXX
Product: Credit reporting

XXXX XXXX made a hard inquiry on my credit report without my knowledge and authorization. I was told that it would be removed several times. To-date it has not. The company also owes me XXXX for a frivolous deposit of XXXX was assessed to me after service was activated. I was told several time I would receive a check as a courtest credit of XXXX, from XXXX XXXX agent XXXX pursuant to out telephone conversation on XXXX/XXXX/15. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to SYNCB/PPC because I am having difficulties with buying a house and applying for new credit cards. I paid the XXXX account and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting SYNCB/PPC company to remove this account from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report Number ( ERN ) : XXXX Unique Transaction ID : XXXX Report Created : XXXX Dear Sir / Madam, It is observed that some other PAN number is involved in my credit report. result in which my XXXX credit score decreased which is created by Experian Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit report. I never received any notifications in regards to the investigation results. It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute XX/XX/2021 30 day demand XX/XX/2021
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX XXXX XXXX BALANCED {$17000.00} XXXX XXXX XXXX XXXX BALANCED {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Mohela was designated as the servicer of my student loans. My account is paid in full and closed at the present and has been for years. The issue is at in XX/XX/XXXX I requested my loan go into deferment status and unfortunately there was a delay in this being processed and Mohela reported this as a late payment in the following months. Once I became aware of this I immediately made a payment and again requested this to be addressed and yet again they failed to put my account into forbearance as apparently I had multiple loans and there was some confusion. The issue I have is that despite the financial challenges I was facing i found a way to pay this account in full but I should not be held responsible for Mohelas error. Since XXXX I have multiple late payments reporting on my report that are inaccurate and needs to be resolved. This is my last resort before incurring further time, energy, and money in hiring legal counsel to resolve this. Im hoping this can be resolved without having to take this step.