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

Credit Karma , Inc. refuses to update my legal name after over 60 days since XXXX  provessed my legal name change on XXXX XXXX. After requesting an account closure, Credit Karma , Inc. issued a check payable to my old name that can not be legally cashed to due to the name discrepancy. I have been unable to access {$10000.00} of tax return funds. Credit Karma support informed me that they could only write the check out to the name they have on file, which they refuse to update after I have submitted all related documents to prove the legality of my name change and repeatedly requested for investigation and clarification.

In my most recent communication with Credit Karma support, Credit Karma disregarded my most credit reports from XXXX  and XXXX dated XX/XX/2021 that I provided and insisted that I contact XXXX  to resolve the issue. From multiple calls with XXXX  and XXXX, both bureaus stated that my credit reports have reflected my new legal name for several months and that the problem is on Credit Karma 's side. However Credit Karma support continues to disagree with this assessment and again insists that I contact credit bureaus for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX and I have been trying to get my credit issues resolved with the three credit bureaus. I have reached out to experian, XXXX, and XXXX via certified mail dating back to XXXX and they have yet to respond via mail or email with results of my dispute and fail to acknowledge that my disputes are even processing. It has been more than 60 days since any one of the 3 bureaus have got back and this involves an FTC complaint # 's XXXX & XXXX in which they have failed to get back to me and none of these accounts stated in the FTC and following documentation are mine. I need to fixed ASAP as this is messing up my credit and un-allowing me to qualify for this apartment I am trying to get,
Product: Mortgage

We received a 100 % property tax exemption in XX/XX/XXXX due to a 100 % XXXX. Our state sent a copy of the XXXX balance/exemption to our mortgage lender. We sent a copy to our mortgage lender beginning XX/XX/XXXX as they still showed an upcoming disbursement for taxes. The normal distribution schedule is in XXXX and XX/XX/XXXX. We received no feedback. We called on XX/XX/XXXX and were told to send the documents again. We sent them and were advised that the company would verify with the state and call us back on the XX/XX/XXXX. We received no call by XXXX so we called. We were advised that our request would be completed by the XX/XX/XXXX. We asked to speak with the tax department and were advised they do n't interact with customers. We asked to speak with a supervisor and was informed one would call within 24 hours ( I am still waiting ). We called back on the XX/XX/XXXX and were told no changes and to call again the next day. We called on the XX/XX/XXXX, no changes but were told again they need to contact the state. I again requested a supervisor and was told one would call back in 24 hours ( although you could hear the supervisor coaching the representative response ). This is a common mismanaging of our escrow funds as we are always in arrears because they did not accurately record tax and insurance bills. We have 5 days until this company is scheduled to disburse money we do not owe and that the state will not refund.
Product: Credit reporting or other personal consumer reports

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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX BalanceOwed : {$1600.00} ; XXXX XXXX Balance Owed : {$0.00} ; CHILDSUPPORTXXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance Owed : {$960.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$830.00}.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed incorrect and inaccurate personal information causing harm to my credit report.
Product: Credit reporting or other personal consumer reports

I am disputing the account ( XXXX ) listed below and have attached the original dispute letter sent over XXXX  days ago. Despite my dispute, your agency claimed to verify this debt. However, it is clear no proper investigation occurred, as your automated systems responded within seconds. 

Under the FCRA, you are required to verify the accuracy and validity of the debt within XXXX  days. I contacted the creditor directly, and they failed to provide the original contract or validation of my obligation. I have certified mail receipts proving my efforts, yet no evidence has been provided to confirm this is my debt. 

If the account ( XXXX ) can not be verified, you are legally obligated to remove it. Continued reporting of inaccurate information violates the FCRA, and I am prepared to pursue legal action for actual damages and defamation. 

Disputed Item ( XXXX ) : XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. 
I demand the immediate deletion of this account from my credit file to avoid XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit reporting Agencies have been neglecting their duty to correct a consumer 's Credit File despite the multiple attempts to correct my Credit File via numerous Dispute letters and countless CFPB Complaints that I have been submitting to the Credit Bureaus. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. My information has been exposed in the XXXX data breach. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Please remove the following accounts as they are fraudulent & were opened without my consent or knowledge : XXXXXXXX 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 XXXXXXXX. Also, the Credit Bureaus have been claiming that the disputed accounts are verified and yet, they have not sent me copies of documents bearing my signature or proof of ownership to support the Credit Bureaus claims. This action by the Credit Bureaus is a clear violation of the consumer 's rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries and I ask them to be removed and the bureau did not do as I ask. Im providing a identity theft report that Im attaching to this and Im requesting to be remove because they are inaccurate and not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I notice several errors and I begin to dispute them with XXXX each time the company has come back to me stating that the information has been verified as accurate. I then sent 3 separate certified letters to XXXX requesting them to provide me with information as to how the information has been verified but all of my request have been ignored. I have disputed these following accounts for the following reasons as well as provided documentation to verify the information as being incorrect but yet all they have done is continue to list these accounts as verified. 
XXXX XXXX - XXXX shows that this account was written-off for bad debt in the amount of {$20000.00} with a past due amount of {$7100.00} written off in XX/XX/XXXX which is incorrect. They have the terms listed as 78 months which is incorrect it is 75 months. 

I have also asked for verification documents for the following accounts : XXXX XXXX XXXX they have the account opening date listed incorrectly. 
MS Collection Services- they keep allowing this company to change the amount even after requesting validation documents that have not been provided from both XXXX and these creditors. All of my request have been ignored. My rights have been violated under the FCRA. I am requesting immediate removal of these accounts. 

This has caused severe harm to my credit as well as caused me to lose my XXXX XXXX XXXX XXXX with several companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquired because someone is trying to use my credit
Product: Credit reporting or other personal consumer reports

I have no public record. I disputed the information and it came back verified. If a public record exist demand documents of proof if not want it removed from credit file.
Product: Payday loan, title loan, personal loan, or advance loan

District manager says will seecwhat happened but nothing more can be done
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an accounts opening date on my credit report with 3 Credit Bureaus. The incorrect accounts opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. Each time, I received a confirmation of the receipt of my dispute but saw no concrete action to rectify the inaccuracies. I believe that a prompt correction of these late-open accounts are essential to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported accounts opening date. Furthermore, I insist on a written response outlining the steps taken, the results of the investigation, and a clear plan for the correction within the legally required timeframe. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the accounts immediately : XXXX XXXX XXXX XXXX Balance Owed : {$320.00} ; XXXX XXXX XXXX Balance Owed : {$15000.00}.
Product: Debt collection

XXXX placed IC System collection account on my credit report without first giving me the opportunity to challenge this debt. XXXX could not provide documents that insured that this account is accurate. There is no purchase agreement, signature or consent from myself to allowing IC System to contact me. Having this account on my credit report without validating it, is illegal and that is a fair credit reporting act violation. Please help me get this off my credit report.
Product: Student loan

Complete college from XXXX in XXXX NJ in 2011 could not keep up with my payments due to the amount sent paper work and tried to make payments due to not being able to make payments and the company not able to correctly take care of my paper work such as the information i sent them in order for me to defer my payments i was sent to collections and my credit history has been a mess since which includes a lien in my accounts which has not allowed me to find the proper jobs that will allow me to make payments.
Product: Credit card or prepaid card

Capital One assessed interest on my account for a late payment. The statement balance of the late payment was {$2400.00} at a 27.15 % annual interest rate, or 0.07 % daily interest rate. Per the senior account specialist, the balance is calculated based on the beginning daily balance plus new charges plus interest charges on previous daily balance minus payments and credits. The resulting interest for this late payment was {$71.00} on XX/XX/XXXX was for the XX/XX/XXXX - XX/XX/XXXX billing cycle. On XX/XX/XXXX, I realized I had missed my payment and paid the balance in full. However, on XX/XX/XXXX, I was charged another {$26.00} in interest and the agent stated that this was for new charges for the XX/XX/XXXX - XX/XX/XXXX billing cycle because my account was set to accrue interest. 

My concerns are : 1 ) While I was talking to the customer service agent, she stated that the XXXX interest balance was ~ {$3200.00}, which was close to the current balance on the date that interest was charged. Why am I being charged for {$800.00} in new charges that I am not obligated to pay until XXXX? 

2 ) Capital One would not tell me exactly how the interest was charged. When I asked for the calculation, the customer service agent and senior account specialist stated they had provided me the details of how it is calculated per the terms and condition, but that Capital One does not provide the actual calculation. The senior account specialist said she would put in a ticket to get that to me. If I order food from a restaurant, I am provided a receipt of the charges including food and drinks order, taxes, and service fees. I am obligated to pay and I have the right to know what it is I am being charged for. If I am being charged for something, why would I not have the right to see how it is calculated? 

XXXX ) When I asked for the transcript of the conversation to include for this report, they would not provide it.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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.

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

It has been 30 days, and you are in VIOLATION of this law. Please delete these items as soon as possible! 
The alleged account is showing an inaccurate. PAYMENT STATUS, DATE OF LAST ACTIVITY and HIGH CREDIT LIMITS. The law states if it is accurate, it must be deleted, or you will be fined {$1000.00} per violation. 

The following credit reporting agencies XXXX, XXXX, and Equifax have had lawsuits filed for reporting INACCURATE INFORMATION on personal credit files in which you were ordered to pay millions and you continue to do the same illegal practices.
Product: Money transfer, virtual currency, or money service

I sent money to someone and they are not able to get it
Product: Vehicle loan or lease

On Saturday XX/XX/XXXX, I paid the entire payoff balance of my loan which was {$6700.00}, {$2000.00} more than the balance remaining on the loan. I saw the payoff amount and paid that instead of the balance remaining. Notwithstanding, my experience with 5th 3rd has been the worst lending experience of my life, full of crooked fees, " computer '' and crediting errors and staff that mocks and disrespects their customers. 

On XX/XX/2019 I logged in to the account and it said I had a reaming balance of {$610.00} WHICH IS ABSOLUTELY ABSURD as I have already paid the PAYOFF BALANCE. This is just another example of a 5th 3rd SCAM.
Product: Debt collection

I'm getting numerous calls from national credit adjusters. I have never done business with them. They threatened me and I made a payment due to being scared. Now they are calling and calling and I've blocked them and they continue to call me. I called the company they state they are representing and let me tell ya they say there are several accounts and I'm like what?? But yes I called and the company said they have no clue who they are.
Product: Credit reporting or other personal consumer reports

I contacted Equifax in order for them to investigate and verify unrecognized inquiries on my consumer report. They failed to investigate thoroughly and left the unauthorized and inaccurate inquiries on my consumer report.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Pennsylvania Laws Dear BRIDGECREST CREDIT C, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Pennsylvania Fair Credit Extension Uniformity Act ( FCEUA ), and identity theft laws, specifically Pennsylvania 's 18 Pa.C.S. 4120. 

It has unequivocally come to my attention that BRIDGECREST CREDIT C has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Pennsylvania state law, specifically the Fair Credit Extension Uniformity Act ( FCEUA ), emphasizes the necessity of consumer consent for credit reporting. Furthermore, identity theft laws, such as 18 Pa.C.S. 4120, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for BRIDGECREST CREDIT C to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that BRIDGECREST CREDIT C immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Pennsylvania 's FCEUA. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Pennsylvania state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that BRIDGECREST CREDIT C will promptly rectify these egregious violations, respecting my rights under federal and state laws.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX provided me with documentation assuring me that they have never reported me late. I provided this information to the credit bureau trans Union, And they just updated it to a different month showing that I was late that is unacceptable. They are violating 15 U.S. CODE 1681 ( a ) By reporting in accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting

On XXXX XXXX, 2015, I contacted Experian via XXXX in regards to some inaccurate information that is currently being displyed on my Experian credit report. In my letter, which I have also enclosed for the CFPB viewing I included a copy of my Colorado drivers license, and a utility bill, which Experian requested via thier phone message that they have for the consumer when the consumer calls to order thier credit report, if the information they have on file for them does not match Experian records. 

I would now like to take the time to address the letter that Experian sent to me in responseto the letter that I mailed to them with my disputes enclosed. Experian has written in thier letter to me, Dear XXXX XXXX XXXX XXXX, we recieved a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious request are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. Experian will apply this same policy to any future suspicious requests that we recieve regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
I would now like to ask Experian how did they come to the determination that my dispute were suspicious? because I sent the correspondence to Experian, that they requested in order to begin my dispute process! According to the FCRA Experian as they are no doubt aware that what they are doing is illegal, and is in VIOLATION of the FCRA LAWS! 

This is written notice to Experian that thier claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the addresses, phone numbers, and the erroneous names in which have been illegally displayed on my credit file be verified, and if verification can not be made within the 30 day time frame allowed to Experian by law. The disputes listed in my original complaint must now be completely removed from my credit report. ( Experian will now exceed the time frame allowed to them by law, i sent my disputes out to them on XXXX XXXX, 2015 ). 

Experian legal staff will agree that compliance with this request is required under the laws of the FCRA and Colorado and Federal Statutes. Per the FCRA each disputed item that Experian continues to disply on my credit report, once they have exceed the dispute process time limit, could result in a {$1000.00} fine per disputed item as Experian is no doubt aware.