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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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, credit repair services, or other personal consumer reports

These companies are all about making a buck. They don't care about information on your reports that don't belong to you. I've been disputing these XXXX inquiries for months, nothing. Help me get this off!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello- I sent XXXX XXXX XXXX multiple disputes to verify and validated the account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Unfortunately, they never sent me proof of any late payments or verification of the account. The only letter that they sent me on XXXX only provided just an open date of XX/XX/XXXX and {$0.00} Balance. This does not meet FCRA 's criteria for account validation or verification. 

Also, I notified them of inaccurate reporting errors on their part ( inaccurate : Open Date and Unverified late ) and requested that they remove the unverified lates. 

I sent disputes to the Transunion and XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They too have yet to send me any proof or correct the inaccurate data on my reports. 

Please help!
Product: Credit reporting

I started investigating my credit report in XXXX of 2016. I requested my report from Equifax and received a report dated XXXX/XXXX/2016. On or around XXXX XXXX I sent a dispute to Equifax concerning an account I had no knowledge of. I received a notice from them on XXXX XXXX stating that they could not verify my identity and needed more information to process my dispute. So on XXXX XXXX I resent my request with the supporting information they requested and I have not received any response from them. I am filing this complaint because I have made at least XXXX requests for an investigation and have not received a response regarding the erroneous information on my credit report.
Product: Credit card

XXXX XXXX and US Bank have retracted some of the key features ( bonus night award ). of their loyalty visa signature credit card. I have paid {$75.00} to use these benefits, spent thousands of dollars on the card in the first 60 days and now they are taking away a benefit that I Just paid for. They advertised this benefit up to the last moment and without warning remove that feature ( XXXX months warning does n't count when we are talking about travel benefits ). I feel this is extreme bait and switch. 

In the marketing material and in my signup legal paper work, XXXX XXXX and US Bank describe the " Bonus Night '' benefit as " bonus award night exclusively for card members ''. Card members must pay {$75.00} for this benefit. They then must use the card to earn points to use benefit. I have signed up for the card last month and already spend thousands of dollars on the card to use this benefit, that I was promised and paid for. Now they have sent all card member notice they are removing this benefit. A benefit I paid for and have not enjoyed. They gave card members 2 months notice. Unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported the fact that Equifax is not reporting my mortgage loan payments correctly in 2018. After Equifax did nothing, I filed a complaint ( XXXX ) with the CFPB. Equifax said they would fix it. That is yet to happen. The poof that I sent in the last complaint has not changed.
Product: Credit reporting or other personal consumer reports

I am not liable of the debt of {$950.00} with XXXX XXXX XXXX XXXXXXXX account number XXXX I do not have a contract with XXXX XXXX XXXX XXXX  they did not provide me with the original contract as I requested with my wet signature and ID verification.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX The bills made to me were not mine and no proof has been given to me as to the legitimacy of the claim I ever had anything to do with the alleged XXXX  XXXX XXXX. When requested further information, refused to supply any and only urged for me to pay. When disputed, was not taken off my credit report even though no proof was given to me, as no proof exists because I never have done any business with XXXX XXXX XXXX and have never had a XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to reopen my complaint number : XXXX This complaint has all the information I submitted earlier. The company replied me back with the wrong information and closed my complaint. 

The sent me attached Notice of Transfer letter and found it was addressed to a wrong person and at wrong address. That letter also has wrong Loan numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I dont own the above property and my property address is XXXX XXXX XXXX, XXXX CA XXXX. Im still making payments to XXXX XXXX and my account is not transferred. It looks like you mixed up my name with someone else who also has the same name like me. 

I confirm I did not receive any letter from you and my loan is still with XXXX XXXX. It sounds like the payment I sent on XX/XX/XXXX was received under a different account that does not belongs to me. This is very serious mistake and I would like you to review it carefully. 

Thank You, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting and expedited resolution as I am XXXX XXXX XXXX, have XXXX, which has spread and urgently need to resolve all my finances this year. 

XXXX is inaccurately reporting a {$16000.00} balance for an account which has had no activity since XX/XX/XXXX and will be XXXX XXXX XXXX this coming XX/XX/XXXX. 

Further, in XXXX XXXX filed a 1099 cancellation of debt form with the IRS, which I was charged and paid over {$3000.00}. Yet XXXX is inaccurately reporting as a charge off and Balance of {$16000.00}. Once a cancellation of debt is filed that balance is satisfied. 
I am also XXXX provide me with a full accounting of this account which means all the transactions
Product: Credit reporting or other personal consumer reports

this account is a platform to simply help improve credit which required a annual fee which was paid but i got a LATE payment reported on a monthly payment when i reached out I get no response. A {$9.00} late payment really affects my score!
Product: Credit reporting, credit repair services, or other personal consumer reports

two accounts of mine ( XXXX XXXX acc ending in XXXX and XXXX XXXX acc ending in XXXX ) are reporting inaccurate lates on one occasion, i have already called and also disputed these inaccuracies from the bureaus and also from the creditor itself. i have received letter from he creditors basically agreeing to remove those inaccurate information, lates from my credit report due to banking error. please have all the bureaus remove this inaccurate information. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCT NO XXXX is reporting wrongfully on XXXX and transunion credit files.the date of first delinquency is XX/XX/XXXX. 
THE ACCOUNT IS RE-AGED.The payment histories between the bureaus are wildly different yet both are consistently verified as correct to the credit bureaus.The account was never brought current and was closed by the creditor in XX/XX/XXXX.It IS if reported correctly 2 months short of 7 years to age off the report.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Item Number Company Name Account Number Comments 1XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXXXXXX 4 late payments. 


Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, _______________ Name _______________ Address _______________ Town, State and Zip _______________ Social Security No _______________ Date of Birth
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with TOYOTA MOTOR CREDIT. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called TOYOTA MOTOR CREDIT and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and TOYOTA MOTOR CREDIT with no successful resolution. XXXX, XXXX, and XXXX only reporting me 90 days late payments. There was an error on their part. I was never 90 days late.
Product: Credit card

I filed dispute and have documents showing we don't exist. They said the company provided a marriage certificate, etc to show they have our personal information and this is enough for Discover to advise the charge is legit. I just tried calling the number they had and it goes right to a voicemail. XXXX  just opened a case on this company which means other people are being scammed by this company. They somehow have our personal data and are using these documents to get money from Discover. If Discover can't actually speak with them because it goes right to voicemail ; this should be a good evidence of the scam.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CONVERGENT ACCOUNT : 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 602A, STATES I HAVE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

I am sending to formally request an investigation into the accuracy of certain accounts listed on my credit profile, which appear to contain errors. Under the Fair Credit Reporting Act, 15 USC 1681i, you are required to complete your investigation within 30 days. 

XXXX XXXX XXXX XXXXXXXX Balance {$33000.00}
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to BANK OF AMERICA , N.A . XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or BANK OF AMERICAs customer service representative.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account XXXX : XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Re : Dispute of Unauthorized Information Reporting Request for Investigation Dear Sir/Madam, I am writing to formally dispute the information reported on my credit file that appears to have been furnished without my written consent, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b.

I recently reviewed my credit report and found that certain information was either obtained or reported by your agency without my prior written authorization. As per the FCRA, credit reporting agencies and data furnished must have my explicit consent to obtain, disclose, or report my personal credit information. I have not provided such written consent to any third party, nor have I authorized any request for my credit file. 
All closed accounts and collection accounts According to 15 U.S.C. 1681b, the only instances where a credit report may be accessed without consent are limited to specific exceptions, none of which apply to the situations reflected on my report. The unauthorized reporting or furnishing of information in this case is in violation of my rights under the law. 

Please investigate this matter immediately and remove any such unauthorized information from my credit report. I request that you provide me with the results of your investigation and a corrected copy of my credit report after the necessary updates have been made.

Enclosed are the relevant documents and identification to assist in your investigation.

Thank you for your prompt attention to this matter. I look forward to receiving your written response and the corrected information as required by law. 

Sincerely, XXXX XXXX
Product: Debt collection

Original complaint filed on CFPB under complaint number XXXX still not resolved. After weeks of back and forth with the company that failed to respond to the insurance company before applying this debt to my credit I have now resolved this matter on my own by being the middle person between the insurance and XXXX. The debt is paid and the item as stated by Grant Mercantile/Americare is to be removed as a courtesy. Being that this was out of my hands to begin with due to the company failure to do their due diligence I would like the removal taken care of ASAP.

Company has now been paid and nothing is owed.
Product: Money transfer, virtual currency, or money service

Someone convinced me to borrow large cash of money totalling {$100000.00} to invest in cryptocurrency at Coinbase and transferred all the money to his possession. 
I refer you to the attached letter
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several inaccuracies on my credit report that I previously reported to Equifax on XX/XX/XXXX. Despite the lapse of time, I have not received any response from Equifax regarding the following disputed accounts. I am formally requesting your immediate attention to this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX  Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1900.00} Issue : This account is not mine. Kindly remove it from my credit report. 

XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} Issue : The reported balance is incorrect and is causing significant prejudice to my credit reputation. The Past Due amount for a closed and charged-off account should be revised. Please mark this account as disputed. 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$280.00} Issue : This account is not mine. Please remove it from my credit report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Issue : The reported balance is inaccurate. The account is closed and charged-off, and the Past Due amount should not be presented. Please mark this account as disputed. 

XXXX  Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1400.00} Issue : This account is not mine. Please remove it from my credit report. 

XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} Issue : The reported balance is questionable, and the account is presented as closed and charged-off incorrectly. Please mark this account as disputed and verify the Date Opened, Date of Status, and First Reported. 

Additionally, I want to bring to your attention the following accurate information that needs correction : XXXX XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$21000.00} Issue : This account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX  Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$320.00} Issue : This account was never late. Please correct/update this inaccurate information on my credit report.
Product: Student loan

I graduated in XXXX with a substantial amount of debt. I immediately enlisted in the military with hopes for additional repayment options, etc. I utilized the SCRA to help while XXXX XXXX, however AES/PHEAA/XXXX immediately began their scare tactics upon my discharge. 

The first straw was in XXXX when the co-borrow called to make a payment on a past due loan that was through XXXX XXXX XXXX. They took the money, allocated wherever they wanted, neglecting the loan that actually needed to be paid. It defaulted. Once questioned as to why it wasn't sent to the right accounts, the response was " he didn't say he wanted it all allocated there ''. COMMON SENSE SAYS TO PUT IT WHERE IT NEEDS TO BE- NOT WHERE IT ISN'T NEEDED. They conducted an " internal investigation '', claiming they listened to the recordings and were not at fault. Yeah, right. I told them about his age ( and why he doesn't do online payments ) and they said- " maybe he was just confused ''. DISGUSTING! My father ended up using his entire savings to cover this loan once it was in default/collection. 

I have called countless times to make other payment arrangements, only to be told by one representative I had such and such options and getting my hopes up. But then I get notice that my loans are 90+ days past due and my good faith payments were for nothing. I then call back and get a representative saying things such as " I don't know why the last person would have told you that '' and escalating me to a " supervisor '' who said that things just haven't processed to reflect the amount owed. A week later, I see I'm 103 days past due. I call back yet again to be told : " you used all the options available ''. 

In short, I want to pay! I just can't pay the amount they want. I can't get a consolidation loan somewhere else because XXXX/AES has ruined my credit beyond belief. I'm to the point that I ask myself why pay at all? If what I can give isn't good enough, I may as well keep the money in my pocket to pay my rent and eat. 

The original cosigner for the loans is now XXXX and living on Social Security. WHY are options for repayment so limited? I'd sell a kidney just to be able to move my loans to another servicing company with actual legitimate repayment terms. They have done nothing short of ruining my credit and quality of life.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX  XXXX : XXXX, XXXX  XXXX : XXXX, XXXX : XXXX, XXXX XXXX  : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 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.

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.