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

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be removed. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be repaired immediately : 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

I dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations.I 'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.
Product: Debt collection

after several harrassing phone calls, and an attempt to try to have this removed from XXXX report I was instructed to file a report on here I have never had this account I have no knnowledge as claimed before of this account or debt and its hurting my credit score terribly
Product: Debt collection

I have a debt that I was unaware of due to the lack of communication from those who claim I owed a debt ; According to CRME Finance, I owe {$510.00} and this debt is supposedly a year old. I haven't received any billing information or anything regarding this debt. I called the hospital billing office and they have no recollection of this debt and state they have nothing in their system. They don't even have a record of me being there. I contact the CRME finance debt collection agency and spoke with someone named XXXX. While she gave me the account number, she would not provide the phone number or any information about the organization that stated that I owed the debt. When I asked why the hospital had no information about a visit, she stated that " once it hits a debt collection, they don't have a record of debt ''. This seems false, as the hospital should have billing information. As someone who is familiar with how outstanding collections work, it seems odd that the hospital has absolutely no record of me being there and no record of debt. When I called, The head of the hospitals had a copy of a bill all the way from XXXX and could verify the payment, but stated that there was nothing on their record from XX/XX/XXXX. Furthermore, the hospital should have information on what insurance paid, etc., if this was done. To not have any information regarding an outstanding bill as large as the one provided and just expect me to pay something that no one has information on is quite disturbing. If I were to pay this bill, how would I know that they would even remove this from my credit? They haven't been honest thus far, so it does not seem likely that they would.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFO HAS BEEN COMPROMISED AND I REPORT THIS TO THE CREDIT COMPANYS AND THEY NEVER UPDATED MY FILE, I STILL HAVE THESE FRAUD ACCOUNTS ON MY FILES, AND I NEED THEM REMOVE AND UPDATE THEM. THANKS XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This company keeps sending statements and request for payment to an address that I have never lived at nor do I have an business with. They are doing this in spite of notification and a formal complaint in 2015. This causes embarrassment and makes my personal information available to any person that gets the mail at this address. Ditech has been notified and the consumer credit reporting agencies have been notified in writing that this address is a public building and has no association with me nor should my private information be sent to the address.
Product: Mortgage

We have suffered greatly as the result of Covid. Our business, which involves catering to the needs of Corporate gatherings, has gone from being very profitable before Covid to utter failure due to the lack of Corporate gatherings, conventions and so forth. We have contacted our Mortgage Servicer more than 8 times in the past 3 months. The Mortgage servicer is SLS. SLS has promised on several occasions to have one of their Mortgage Assistance Specialists reach out to us to help us understand the program and to help us work through the documentation. The have broken every promise and have left us in a very dire circumstance. It almost appears that they are purposefully ignoring our pleas both over the phone and by electronic communication. 
We have kept every communication and documented every phone call. We have a complete file documenting their failure to assist in any way. Our loan number is XXXX. Our home address is XXXX XXXX XXXX XXXX in XXXX Utah. We would love to attach communications with SLS since XX/XX/2021. We have been promised that one of their specialists would work with us directly. After more than 8 good faith attempts on our part SLS has failed to even put forth the smallest effort to communicate with us, let alone try to help us. 
We can be reached at ( XXXX ) XXXX. My name is XXXX XXXX ... my wife is XXXX XXXX. Please help us... we are scared to death that SLS has motives to foreclose on our home which is valued at {$690000.00} and has only a {$370000.00} mortgage with no other liens or encumbrances of any kind. 
Please forward an e-mail address to which we can send very compelling and sizeable documentation that SLS is not acting in good faith. 

Thanks! 
XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complaint for you to take steps or actions to handle my complaint with the wrongdoing of the 3 credit bureaus that seems they never priorities my request to delete the fraudulent items in my credit file. I am very disappointed with this. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information in my account. I have been already told my lawyer regarding this issue. With that, I am asking for your help to remove these items immediately in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$8100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; MO CHLD SPRT XXXX Balance Owed : {$8100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$350.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XX/XX/XXXX XXXX
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 : US BKPT CT XXXX  XXXX Account Number : XXXX and 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 or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXXXXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Mortgage

I recently filed a report, and you said you could not process it because you do not have a relationship with the company : XXXX If I reported the company as XXXX, try XXXX XXXX XXXX. XXXX is XXXX for XXXX XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO
Product: Bank account or service

My ex-husband and I went to BB & T Bank after he was diagnosed with XXXX to add me to his bank account by completing the paperwork and completing a signature card. We brought wirh us a power of attorney, and was told it was not needed because we were both present at the bank. This was done for the sole purpose of getting things in order as we were told he had a minimal amount of time to live. After this was done I did most of the banking transactions which included making deposits and paying the bills. In XXXX 2016 I made a deposit and went back in a few days later to cash a check and they froze the bank account and could not find the signature card. I have unable to pay any bills out of this account. They acknowledge that the problem was the banks error, but said they have rules they have to go by. I am unable to access this account from the funds I have deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tfc credit has reported two unvalidated accounts that do not belong to me please remove
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information in my credit report. I believe this account contains numerous inaccuracies that warrant its removal from my file. The specific inaccuracies include :
Product: Debt collection

XXXX gym in XXXX, Florida continued to charge my credit union account for XXXX months, after I had provided them with my XXXX XXXX XXXX membership number, which would pay for my membership. I had my credit union block the last XXXX months, as it was too late to block the previous XXXX months of charges. XXXX then had Aldous & Associates ( a debt collection agency ) send me notices that they would affect my credit rating ( XXXX ) if I did not pay {$100.00}. After several attempts on my own to resolve this matter with XXXX XXXX, I had XXXX  XXXX XXXX XXXX and from the XXXX XXXX XXXX contact XXXX twice, each. They informed me that the personnel at XXXX were very uncooperative and that they had " red-flagged '' XXXX gyms. Aldous & Associates then did affect my credit rating and I want that reversed and a refund from XXXX gyms for XXXX months membership!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ref : Experian Blatant roadblocks in truly investigating data published in credit reports It seems Experian makes it a habit to overlook the Fair Credit Reporting Act ( FCRA ) ; which is a federal law that helps to ensure the accuracy, fairness and privacy of the information in consumer credit bureau files. 
I have been trying now for 3 months to correct the inaccuracies and erroneous data contained in my credit report to no avail. I have contacted Experian both online and through regular mail to ask for a real investigation of said errors. 
However, I keep getting the same answer that they have verified the data to be correct. I have a huge problem with that claim because when I submitted the same request to XXXX, they were NOT able to verify that information as accurate and deleted it all from my report. 
It is mind boggling that this agency keeps making the same claim, causing injury to my credit score and any attempt of being approved for credit due to perhaps laziness and a lack of respect for me and for the law. Also on other occasions, Experian simply would not allow me to dispute an item through their online system, claiming that said item had already been investigated. 
A proper investigation should not go through an E-Oscar completely automated system because there is no way it would be 100 % accurate and they know it but they keep delaying and putting up unnecessary hurdles in an effort to discourage a person from pursuing any corrections on their credit report. 
These practices are unfair and they need to stop, because as consumers we were promised fairness and accuracy in a report that we never signed up for. It was all forced on us and the least they can do is conform to the laws governing their very existence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau calculations when educational loan is paid off two months early. The score dropped 78 points. Im working hard, paying my bills, and watching my financial health. 
Consumers have the right to know the metric of the three major bureaus use. We have a right to know the triggers that have been set in their systems to increase or drop the consumer numbers. This data impacts everything. There should be more visibility into the process by consumers, transparency builds a great foundation and educates the people being judged correctly or incorrectly. 
I trust government oversight, as a public servant myself, I just want fair reporting and not be penalized for paying off accounts with firm begin and end dates. The system needs an overhaul.
Product: Credit card or prepaid card

In XX/XX/2020 I made an in-store purchase at a XXXX XXXX XXXX store ( hereinafter, " XXXX XXXX XXXX '' ) in XXXX, VA. The store advertised a XXXX XXXX XXXX Credit Card which would earn 10 % back in reward dollars on merchandise purchases in-store and online. 

To open an account, I was instructed to call the card provider, Synchrony Bank. I explained to their customer service agent that I wished to open a XXXX XXXX XXXX Credit Card. I made it clear that I did not wish to open a XXXX XXXX XXXX Mastercard, which is separate and distinct from the regular XXXX XXXX XXXX Credit Card. I was advised that my application would need to be approved and that I would receive the XXXX XXXX XXXX Credit Card within 7-10 business days. 

Subsequently, I received a XXXX XXXX XXXX Mastercard, not the regular XXXX XXXX XXXX Credit Card. I immediately contacted Synchrony Bank Customer Service at XXXX ( XXXX ) XXXX on XX/XX/2020. I explained what happened. The issue was escalated to a manager, XXXX ( Staff ID XXXX, working from XXXX  XXXX ). I was advised by the manager that my application was for both the regular credit card and the mastercard. I explained that their agent did not explain this to me when applying, despite it being made abundantly clear that I did not want any mastercard but the regular card. I received an apology for the misinformation.

I believe this to be a fraudulent practice, whereby Synchrony Bank, through design or negligence, advertises a regular card but replaces it with a mastercard upon application. At the very least, their agent lacked sufficient and appropriate training, and was unable to provide clear and correct information to me, a consumer. If I had known that I would be applying for both and that it would be up to them to decide which I would receive, I would not had applied in the first place. 

I closed the account after being advised that I could not be " downgraded '' to the regular card. I was also informed by Synchrony Bank 's XXXX that, if I opted to close my account, I may not be able to reapply for the regular card. I find this practice likewise bad business practice, seemingly a threat that if I opt not to do business with them now I may never be able to do so again.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I tried to buy a XXXX XXXX online in XXXX. Repeatedly after being told a car was available, I applied for credit with Mazda 's financial arm, and then shortly after, the car was no longer available. This happened multiple times. I even waited for a sales rep to explicitly tell me when to come in. Then I went in, but they had no one on hand to actually sell me the car.

Yes, I filled in the applications, but with the express understanding that the car ( s ) were available. They induced me to run two credit checks in the same week and I came away with nothing for it because they weren't available for sale. It's hurt my credit score and I want these inquiries removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One credit card balance resolved via litigation settlement. Final payment of settlement paid XX/XX/21. Multiple disputes submitted to no avail. Current payment status still shows as in collections instead of paid/settled, current account status still shows " derogatory '' instead of resolved/settled, amount past due still shows " {$1000.00} '' instead of XXXX and no payments credited for months XXXX - XXXX.
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute the inaccurate inclusion of a XXXX  on my credit report. I have obtained an official letter from the court that clearly states this XXXX  should not be reported to your agency. Despite this, it still appears on my credit file, which is both misleading and unjust. The presence of this erroneous record is causing unnecessary harm to my credit standing and must be corrected immediately. 

Moreover, I have reason to believe that an unauthorized third party is involved in this matter, further complicating the situation. The involvement of an unknown entity raises serious concerns about the accuracy and security of my personal financial information. It is unacceptable that such an error has been allowed to persist, and I urge you to take immediate action to rectify it.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Unauthorized Inquiries Dear Equifax Consumer Dispute Department, I am writing to formally request the removal of several unauthorized inquiries from my Equifax credit report. I recently reviewed my report and found inquiries that I did not authorize, which are negatively affecting my credit profile. 

The following inquiries should be removed immediately as they were not initiated by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA DEALER I did not authorize these inquiries, and under the Fair Credit Reporting Act ( FCRA ), only inquiries that I have explicitly approved should be listed on my credit report. Please investigate this matter and remove the unauthorized inquiries from my credit file immediately. 

Enclosed are copies of my identification and a copy of my credit report highlighting the disputed inquiries for your reference. 

Please provide written confirmation of the deletions or the results of your investigation within 30 days, as required by law. Thank you for your prompt attention to this matter. 

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

I was young man and had no idea how much credit played in your life. I wasn't aware it was a necessity to live and could affect you so tremendously. As I got older I started learning more about credit and realized I should be monitoring it frequently. Looking upon my credit reports and open accounts, I saw an account that I didn't understand or recognize. In which I realized my identity had been used in my youth years which I didn't authorize or aware of. I have a credit inquiry on my credit report that I did not authorize such as : XXXX XXXX XXXX My address is incorrect on the report. My address is XXXX XXXX XXXX XXXX, XXXX XXXX fl, XXXX
Product: Credit card

In my entire history of using credit cards I have always paid my dues on time and in full. For the XXXX XXXX XXXX XXXX XXXX  Credit Card ( issued by Comenity Bank ), even after I mailed the check well in time ( on XX/XX/XXXX for a due date of XX/XX/XXXX ) I monitored for the check to clear on time and when I saw that it hadnt cleared I called to pay by phone to avoid any late fee and interest charges and put a STOP PAYMENT on the check after discussing with the agent. It is unfair for Comenity Bank to then slap {$30.00} as charges for the returned check even after receiving the payment in full and before the due date for no fault of mine. I have had multiple conversations with the Comenity Bank customer service agents, senior account specialists and supervisors who empathise with me and agree that I should not have been charged this fee and keep promising a resolution and keep asking me to call back the following week - this hasn't yielded any results. On XX/XX/XXXX I was told that they will not take of the charges and will slap on additional late fee and interest charges in a very rude manner.