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

Despite my repeated efforts to rectify this issue, including four prior attempts, these fraudulent items remain unresolved and continue to negatively impact my creditworthiness and financial stability. However, despite providing substantial evidence of the fraudulent nature of these items, the agencies have failed to take appropriate action to remove them from my credit file. The presence of these fraudulent items has resulted in significant personal and financial distress, including denial of credit opportunities, increased interest rates, and undue stress. It is imperative that the credit reporting agencies comply with their obligations under the FCRA to ensure the accuracy and integrity of my credit report. I respectfully request that you will help me to take immediate action to conduct a thorough investigation into the disputed fraudulent items on my credit file and promptly remove any items found to be fraudulent or unverifiable. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 Date Opened : XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : 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 or other personal consumer reports

As I was going through my credit profile there was some hard inquiries that are not mine.
Product: Credit card or prepaid card

I have a monthly credit card payment plan through T.D. Bank in New Jersey. I received a notice my monthly payment was due on XXXX/2022/. I scheduled a payment for XXXX/XXXX/2022. The company did not process it and failed to notify me there was an issue. The online payment showed it was still pending. This company charged me a XXXX late fee. I have been unable to get through the phone line to speak to anyone. The online account does not even list an account number. I am only required to pay {$27.00} a month per the purchase agreement I made for the product through XXXX. I made another payment today and it only shows as pending. Their website is highly problematic when making payments. It doesn't show the agreed payment amounts at the time of purchase and seems to have problems posting payments.
Product: Credit reporting or other personal consumer reports

Credit bureaus includes identity theft info that does not belong to me and they still haven't been able to update my information despite several request. I'm attaching driver license, utility bill and social security for them to update and delete all information not matching my driver license. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Jobs : XXXX Phone : XXXX The rest do not belong to me, I live at this address since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported by mail and phone calls on many occasion 's that I only have XXXX name, and XXXX address I have sent them my XXXX drivers License and proof of address and still they do not remove the wrong Information. It is unlawful to report false Information.
Product: Debt collection

In late XX/XX/XXXX, I received my first written communication from XXXX XXXX XXXX , XXXX about a purported debt owed to XXXX XXXX in the amount of {$3800.00}. I immediately contacted the company as instructed on the letter to dispute the debt and repeatedly requested to be provided with debt verification information ; however, after being on the phone for over 1 hour with 3 separate customer representatives, they continually dismissed my request for copies of debt verification information and flat out verbally refused to provide me with same. Accordingly, I was forced to disconnect the unproductive, circular, abusive call. 

On XX/XX/XXXX ( within the 30 days they provided as a deadline ), I sent a Certified Letter XXXX XXXX XXXX XXXX XXXX XXXX ), which was duly delivered on XX/XX/XXXX at XXXX XXXX to Midland 's " Front Desk, Reception Area, or Mail Room ''. To date ( XX/XX/XXXX ) I still have received NO communication, copies, or written debt verification despite written request for debt verification information as their letter advised I could write and they would provide. 

On XX/XX/XXXX I received a Pre-Legal Notification advising that I may request information at no cost to me ( which I did on XX/XX/XXXX to no avail ). On XX/XX/XXXX I received a Pre-Legal Notification titled, " SECOND NOTICE '' ; however, it contained NO Statement that if I notify them in writing within the 30 day period that I dispute the debt, they will obtain verification of the debt and forward me a copy of same, nor a statement that they were a debt collector attempting to collect a debt. 

As my XX/XX/XXXX written request for information was willfully ignored ( violating 15 U.S.C. Section 1692g and Section 1692e ), I again contacted them by telephone at XXXX. I was on the phone again for over 1 hour with 5 separate customer representatives, before I was finally transferred to XXXX XXXX ( a purported Supervisor at Extension XXXX ), who confirmed receipt of my XX/XX/XXXX written request for information, but she would NOT explain and refused to explain why they violated my Florida and Federal FDCPA rights by refusing to provide me with copies of the requested debt verification information ( i.e., name and address of original creditor, account statement, complete transactional history, account number at time of charge-off, the charge-off balance, the claimed balance, list of all prior owners of this account and transfer information, documentation evidencing the transfer of ownership of the account to Midland Funding, complete transactional history reflecting purchase, payment or other actual use of the account or a signed document reflecting the opening of the account at issue ). She simply stated that they " had verified the debt '' ; however, would NOT explain to me what that verification process was, nor provide copies of proof of validation as their Pre-Legal Notification advised they would do and that my written request that they do so.
Product: Mortgage

The loan amount was change from XXXX to XXXX, and decide not to go through the process they ran my credit without my okay and they refuse to return the {$400.00} that I paid to get started. I was told that a hard inquiry would only be done if I agreed to the new terms of mortgage and I did not it would impact my credit and money will be returned.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, One Main added derogatory marks on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, One Main has violated my rights as a consumer and I'm requesting legal action to remove these accounts immediately.
Product: Debt collection

There are 2 separate companies that I have not received any type of notice in the mail, email, phone calls, no form of communication whatsoever, yet they have taken a major toll on my credit. I have been working so hard to rebuild my credit after just facing a very challenging XXXX  fiasco over the past 4 years that has led to XXXX XXXX  within this time. These 2 companies keep adding {$1.00} balance increase multiple times a month on all my reports and Ive lost all the progress Ive gained on my credit because of this. I was up to XXXX from XXXX when they started dinging my credit with a {$1.00} balance increase multiple times a month and I lost all my progress. The companies are Bonneville collections out of XXXX, Utah and XXXX XXXX XXXX. It looks like they are both medical which makes it impossible for them to even be legitimate charges because Ive had health insurance/XXXX  for years. These companies have dinged my credit 3 times in XXXX with {$1.00} increases which is absolutely not right considering Ive got nothing from them, absolutely nothing showing I owe these debts. There has to be something that can be done to stop this asinine stunt they are pulling. Im on long term XXXX due to being ill for so long. I cant just throw money away when Im on a very fixed income thats not very much and Im a single mother. Them doing that to my credit is absolutely not fair. Please help me resolve this and get them to stop this behavior so I can finish rebuilding my credit and do something with my life other then sit dormant because my credit is always so low I cant even rent a home for my son and I because thats the position Im in right now. I literally can not get anyone to rent to me because my credit score is so low thanks to them. I have to be out of my current living situation by the XXXX of XXXX and I have no clue what my XXXX XXXX XXXX son and I are going to do at this point in time because I should not be in this situation to begin with. Its not fair. Please help me resolve this. 

Thank you.
Product: Credit reporting or other personal consumer reports

My student loans are currently under an XXXX XXXX ( XXXX ) plan and are also in deferment, as I am presently unable to work due to a XXXX. I have submitted my approved IDR application to the company and provided mailed documentation confirming my unemployment status. Despite this, the company continues to report " late payments '' to the credit bureaus, which is exacerbating my financial hardship and hindering my ability to secure housing for myself and my children. There are XXXX " late payment '' entries on my credit report from this company, even though the loans are currently in deferment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. This list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 u.s.c 1681 section 602 states I have a right to privacy.

15 u.s.c 1681 section 604 A section 2 its also says consumer reporting agencies can not furnish account without my written instruction.
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 XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number XXXX XXXX  Account Name : US DEPT ED : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX, XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/XXXX 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

Experian is reporting multiple addresses on me that are incorrect, multiple variations of my name that are incorrect, and multiple inquiries that should not be there. I am a consumer ( definition-natural living person ) .Pursuant to 15 usc 1692 ( a ) ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT WRITTEN CONSENT TO RPORT ANYTHING ON MY CREDIT REPORT. NO CONSENT IS IDENTITY THEFT pursuant to 15 usc 1692 C ( c ) ( 2 ). I am invoking my specified remedy as a consumer and the original creditor.
Product: Credit reporting or other personal consumer reports

Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a ; ate payments. They have not supplied this information and they must delete the alleged late payments on my credit report they had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible. 

15 USC 1681 Section 602 States I have the rights 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 U.S. Code 1681a - Definitions ; rules of constructions - Exclusions.- Except as provided in paragraph the term " consumer report ' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B ; A creditor may not treat a payment an a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

XXXX account. I want to get full validation of this account, including the originally signed contract stating that I signed this contract. If you can not verify this account, then you must remove this account from my credit reports immediately according to the FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This criminal activity has gone on for too long. The credit reporting agencies have ASSUMED a role in credit reporting but it was not given to them by me. My permission is needed. 

Stating that credit reporting agencies must report accurate information is not sufficient here because permission, by the consumer, must be given in order to report information about a consumer. 

I never gave this credit reporting agency or any third party written permission to furnish a report about my personal transactions and experiences. 

This credit reporting agency does not have a signed agreement between my self and their company stating that I gave permission for my information to be shared. 

If a company uses my identity without my permission that is considered IDENTITY THEFT. 

This credit reporting agency has committed identity theft by reporting my personal transactions and experiences without my permission. 

I have filed a police report and identity theft report with the FTC. 

Delete the following accounts from my consumer report since I never gave permission for them to be reported in the first place. 

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

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX Mortgage Account Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my XXXX mortgage account, reported by Equifax. I previously filed a dispute regarding these discrepancies, yet no corrections have been made to reflect the accurate payment history. This letter serves as a second dispute request, and I am asking for a full investigation in compliance with the Fair Credit Reporting Act ( FCRA ), as per 15 USC 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must conduct a thorough investigation upon receiving a consumer dispute.

Summary of Discrepancies Upon reviewing my payment records, I found no late payments on this account, yet each bureau reports different late payment dates : XXXX and XXXX report late payments in XXXX and XX/XX/XXXX, as well as XXXX, XXXX, and XX/XX/XXXX. 
Equifax shows XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These discrepancies violate the FCRAs accuracy requirement and negatively impact my credit score. Therefore, I request a full investigation of these entries and a correction to accurately reflect a Paid As Agreed Never Late status.

Request for Documentation and Investigation Process Pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I request a detailed description of the investigation process your agency conducted for this dispute, as required by the FCRA. Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), I request that all transactional information regarding this account be reviewed for accuracy.

Furthermore, please provide in writing the procedures in place, as per 15 USC 1666 ( b ), ensuring timely issuance of periodic statements. Should your agency be unable to provide valid evidence of these late payments, I demand that the account be updated to Paid As Agreed Never Late. In the absence of verifiable proof, I expect immediate rectification to
maintain the accuracy of my credit report.

Reference to PAANL ( Paid As Agreed Never Late ) Given my record of consistent on-time payments, this account should reflect a Paid As Agreed Never Late status. This correction is essential to accurately represent my commitment to financial responsibility.

Thank you for your prompt attention to this matter. I expect a resolution aligned with the legal obligations outlined by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. Please respond within the FCRAs specified 30-day timeframe. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

In 2015 XXXX XXXX wrongfully placed a delinquent account for {$270.00} on my credit report despite being informed that amount was not accumulated by me. I have disputed this via the credit bureaus. The item was removed at some point, sold to a collections agency and recently reinserted. Due to this my credit score has suffered a dramatic drop twice. Under the Fair Debt Collection Practices Act ( FDCPA ), there are certain guidelines and rules that apply to reinserting removed delinquencies. This account has not been verified nor have I received a letter informing me of its reinsertion. I am currently disputing it again.
Product: Credit card

My Discover Card was closed due to a verification done last month, after almost 3 years of having the card. 
I received an email from, XXXX which i verified my discover information but did not receive any responses. I found out my account closed when i received an email about my identity protection was longer active about a week later. I asked why is there a verification being done was it because a payment bounced? At first they said it was XXXX requesting the info, then they said it was the IRS. Which I contacted both and found out discover themselves are doing these verification. I called back and they said they review taxes from 2 years ago. Which XXXX couldn't verify my information because i changed address and my marital status. I asked why they didn't contact me directly. They said because myself phone number wasn't under home but is under cellphone. They said they only called house numbers. I quickly responded letting them know they could have emailed me, called my cell, or even messaged my from the app like they done before for any issues. I've also provided them my check and ID number because they never increased my credit limit from XXXX XXXX and i was 100 percent on time with payments and my credit score was XXXX any balances on my credit were from an authorized user. This was done a month prior. the closure of this card has brought my credit to the low XXXX. it was one of my oldest cards that i worked hard on building my credit. It is not fair the credit card companies can advertise increases for one time payments and building credit then close your account without warning. This is the second time its happen to me and this low score and decrease in availably credit has affected me financially now having to pay higher limits on accounts i was working hard to refinance. One of the reps went as far to say that people had the card for 20 years and had their cards closed.