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

Please see the attached forms. I have been calling all Experian, XXXX and Experian and they have not been very helpful. I have inaccurate information on my credit report and I would like for all inquires and derogatory marks to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

I received my Macy 's XXXX credit card statement which only showed the XXXX items I purchased for {$46.00}. I did not pay the credit card for {$46.00} which was due on XX/XX/2016 because I know I will be returning the XXXX items. I returned the XXXX items on XX/XX/2016 which was several days before the due date. 

I received my XXXX credit card statement which reflected a late fee of {$27.00} assessed for the XXXX items I returned before the due date of the credit card statement. I called Macy 's to have them reversed the {$27.00} because the XXXX items were returned several days before the due date. They keep on telling me that it 's a valid charge since returns are not considered as payment. Why would I pay for something that I know I will be returning? It was promptly returned. In my opinion, this is unfair for the consumers. Macy 's is enriching its company from late payments on return items. How many consumers have to pay {$27.00} from this unfair practice?
Product: Debt collection

On the date of XX/XX/2021, Aspire Servicing center added a derogatory mark on my credit report ( XXXX  ) per XXXX XXXX. Upon further research, the debtor has not provided original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and not to mention that any one can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account from all three credit bureaus immediately.
Product: Credit reporting or other personal consumer reports

Today XXXX XXXX, XXXX  a XXXX point drop was reported on credit score because a paid off my car loan. I want to know why the score dropped for a closed account that was not a revolving credit account. The action is unfair and damaging to my financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN DEALING WITH THIS  COLLECTION AGENCY NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX) ACCOUNT  NUMBER (XXXX) , AND EVEN WHEN I HAVE DISPUTED IT  WITH TRANSUNION JUST ABOUT 3 TIMES , INCLUDING ONES THAT I DID CALL  TRANSUNION ON (XXXX)  TO THE  DISPUTE DEPARTMENT WHICH  AT THE TIME THE GENTLEMEN WHO WAS RUSHING ME TO COMPLETE DISPUTE AND NOT VERY HAPPY  ON PHONE, I HAD THE FEELING THAT NOT A SINGLE THING THAT I WAS TELLING HIM TO STATE IN DISPUTE WENT THRU. THE GUY DID NOT HAVE THAT MUCH PATIENCE WITH WHAT I WAS STATING, NOT A VERY GOOD EXPERIENCE WITH TRANSUNION PEOPLE. 
ON XXXX I GOT  MESSAGE , THAT THEY COULD NOT REMOVE ACCOUNT FROM MY CREDIT REPORT FROM TRANSUNION.
0N XXXX I DECIDED TO GO AHEAD AND PUT ANOTHER DISPUTE ON TRANSUNION WITH  THE DIFFERENCE THAT THIS TIME I WAS GOING TO TYPE IT MY SELF, I DID GIVE THEM DETAILS OF PROBLEMS , AGENCY NAME, AND ALL THE HEADACHES THAT I WAS HAVING DOE TO BAD  CREDIT REPORT. ON XXXX I GOT MESSAGE THAT THANSUNION COULD NOT REMOVE ACCOUNT FROM MY CREDICT REPORT, AND THATS ALRIGHT I AM WRITTING   YOU TO PLEASE HELP ME UP WITH THIS MATTER.
BUT AWAY ON XXXX I DID DISPUTE THIS ACCOUNT (XXXX) WITH XXXX AND THEY WERE ABLE TO  DELETE IT (REPORT NUMBER
XXXX  ), I AM ALSO VERY HAPPY TO SEND PICTURES AND  CREDIT REPORT FROM EXPERIAN  IF YOU LIKE.
I DO WORK VERY HARD AND PAY MY BILLS ON TIME  TO HAVE A GREAT CREDIT REPORT ,  A REPORT THAT LATELLY DOES NOT LOOK LIKE IT JUST TO LOOK BEFORE THIS ACCOUT IN COLLECTION IN MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I have one late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late for the account ( XXXX Acct # XXXX ) Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be I was never late.
Product: Consumer Loan

Applied for loan with Circleback Lending - after they solicited me for my good credit record. Submitted all documentation that was asked for. They asked for a promissory note from XXXX XXXX loan that I received in XX/XX/XXXX. I talked to them on the phone and received multiple form letters asking for the promissory note. Each time I explained there were XXXX separate promissory notes for this loan since the funding is provided by individuals. I provided copies of some of these promissory notes and was told it had to be XXXX promissory note. It does not exist. I was not able to get someone to look at this and treat it the way it should be treated. They denied the loan saying I could n't provide documentation. But I did provide the documentation that exists for the XXXX XXXX loan.
Product: Debt collection

This company has added 15 collections to my credit report in less than a month. I was in the process of getting a mortgage, and can no longer qualify for the lowest interest rates, since my credit score dropped 100 points. The debts do not belong to me. I have never been to a doctor, or hospital. I have even reached out to the original debt company, and they stated they have no records of mine. Ive asked this debt collector to provide me with any paperwork, in writing, but they refuse. They ask for me to call in. It seems to me like they have me confused with someone else.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the unresolved issues on my credit report. Despite my multiple attempts to dispute inaccurate and unverified negative items, these issues have been left unaddressed, causing me undue XXXX  and negatively impacting my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is a Private Student Loan account that was originally through Chase.  The account was opened on or around XX/XX/2008. The outstanding balance currently reflected is for {$19000.00}. I hired a consumer attorney to represent me for this account. After certain information that I have provided, Chase deemed  that I was no longer liable for this account. XXXX and XXXX have already been updated, they have removed the Chase Student Loan account from my credit reports, however, XXXX has not removed this account. I have disputed this account several times on XXXX, and each time, they respond with the creditor has validated this debt. I have called Chase several times and talked to several people, including supervisors, and no one knows what to do or whom to talk to, and apparently does not have record of THEIR ACCOUNT. Chase directs me to contact XXXX XXXX XXXX ( XXXX ). I have called XXXX several times, and have spoken to several people, including supervisors, and they have no record of my account. XXXX directs me to contact Chase, as they are the ( only - XXXX is NOT ) lenders reporting on my XXXX credit report. The numbers that I have tried are XXXX ( XXXX ), XXXX ( old Chase Student Loan line - which no longer works ), XXXX ( XXXX - this is for Federal Student Loans ). In other words, Chase and XXXX are pointing their fingers at each other, and I am just the man-in-the-middle ( the one whom is suffering from this dilemma ). This is very frustrating, and it should be something very simple to accomplish. I am no longer liable for this account, whom do I need to talk to?
Product: Credit reporting or other personal consumer reports

I noticed that my credit was very bad and continued to go down. Then I contacted the only bank ( XXXX ) that has credit cards and they told me that I had a credit card with XXXX  XXXX XXXX, so I immediately went to the place but the person who helped me checked and said that I did not have any account or credit card with XXXX  XXXX XXXX and they gave me a number to make a call to credit cards so I made the call but since I did not have the credit card number they could not assist me by phone.. On XX/XX/2023, I went to the XXXX XXXX again and they informed me that I had related accounts in my credit bureau that I did not know about, so they told me to make a call to XXXX, XXXX and XXXX to report identity fraud. which is why I already made said report. 
Fraudulent Accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX 4. XXXX 5 . WESTLAKE FINANCIAL SVC 6. XXXX XXXX
Product: Credit card or prepaid card

I have attempted to close my Bank of America account on many occasions. I initially attempted about XXXX  months ago and they informed me they are unable to and I had to contact XXXX. I contacted XXXX on XX/XX/22 and they informed me to contact the number on the back of my card, which I had already done so. I contact Bank of America again, and they informed me they can not do it at all to contact XXXX. Last week I received a letter in the mail asking if I wanted to continue my card given new terms, it also provided a number to cancel the account. I contacted the number and they denied my request to close my account again. I called again today and provided them with the verbiage on the agreement booklet and the XXXX of Bank of America said they are still unable to close my account. At this point they are in breech of their card agreement, and I reserve the right to close the account. I do not need it or use it anymore. I want my Bank of America EDD account closed.
Product: Money transfer, virtual currency, or money service

Had unexpected fees or incorrect transactions A few the beginning of the year, XX/XX/XXXXXXXX  and early XX/XX/XXXXXXXX XXXX XXXX
Product: Mortgage

After XXXX, I applied for a loan modification. I was approved. I made the first payment, then was told by PHH Mortgage there was no loan modification in place. Since the initial loan modification, I have repeatedly completed the paperwork. Every time, there is something more PHH needed, which I have provided. Now they are simply saying this is not an option and foreclosure is my only option.
Product: Credit reporting or other personal consumer reports

How can the original creditor report 2 different " Date Last Active '' dates on my credit report. This is INACCURATE reporting. Please delete this account asap XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of potential concern regarding the reporting of certain information to your credit reporting agency. As a consumer, I believe it is crucial to ensure the accuracy and compliance of the information contained within credit reports, as mandated by the Fair Credit Reporting Act ( FCRA ). EQUIFAX has failed to provide a certified copy of court order, my written authorization, Method of Verification in which the verify the information from court or government agency, validation of debt according FDCPA. Equifax has refused comply with FCRA and failed to adhere to FCRA violations and Metro 2 compliance.

Furthermore, Equifax has failed to provide a certified copy of the court order, my written authorization, method of verification, and validation of debt as required by FCRA and the Fair Debt Collection Practices Act ( FDCPA ). These violations raise serious concerns regarding the accuracy and legality of the information being reported. Recently, I received correspondence from XXXX XXXX of Nebraska for the Account Name : XXXX XXXX XXXX, Account Number : # XXXX and obtained a court document indicating that they do not share or report information to consumer reporting agencies, including XXXX Equifax, and XXXX. The letter explicitly stated their policy of non-reporting to CRAs, and the court document further reinforced this stance. Given the nature of this information and the regulations outlined in the FCRA, it is imperative that data protection and privacy protocols are strictly adhered to by all parties involved. Please remove from consumer report immediately. Please provide me with a written response detailing the actions taken to resolve this issue. XXXX XXXX XXXX XXXX have deleted this account off my consumer report but Equifax and XXXX refuses to delete this account. My consumer report inaccurate based on all consumer reporting agencies not reporting accurately across all. Please, send an updated copy of my current consumer report. Enclosure : XXXX XXXX XXXX XXXX letter, XXXX  letter, Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identify theft and fraud through XXXX XXXX on XX/XX/2019. Someone used my info to purchase cell phones totaling {$4200.00}. I was unaware until i pulled a credit report to make a purchase and learned about the account 's delinquency. 
I worked with XXXX for months to clear my name of this event, which they cleared via email on XX/XX/2019, including notifications to all 3 credit reporting bureaus : Experian, XXXX, and XXXX. I have had phone conversations with each company to get this resolved and removed from my credit report without success. 
Current status : * Experian- Still showing delinquent, historical payments * XXXX Still showing delinquent, historical payaments * XXXX- shows current delinquent payments The failure of these bereaus to immediately correct this inaccuracy has had an effect on my mental health and personal finances, resulting in tremendous amount of added work when trying to get a home mortgage, in addition to a loan denial for a vehicle.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, are not complete and accurate. 
I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. and according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

I ordered a XXXX XXXX 's heated vest in XX/XX/2022. I received the vest early XXXX and it did not fit and did not heat. There was only a small card in the package that said " Contact Us '' with an email address " For all questions concerns or warranty exchanges ''. I contacted them on two separate occasions for instructions on how to get a refund and instructions on return of the vest. Received no response. I then left 3 messages on the phone number listed on their website. After filing a claim with Barclays bank, they gave me a refund while they disputed the claim. I then heard back from Barclays that they contacted the vendor and charged my account back for {$80.00} as I did not return the vest and " Chargeback Reason is Not as Described or Defective Merchandise/Services. Merchandise or Service matched what was described. ". I then wrote to Barclays after speaking with a Rep on the phone and they told me to document the claim and fax it to XXXX. I did that and never heard back from them either. They still have not refunded my money. I have documentation of the emails and letters. I should not be responsible for defective merchandise. They indicated that it was not defective, but if they don't have the merchandise how can they make that claim?
Product: Credit reporting, credit repair services, or other personal consumer reports

Lake Area Collection has placed an account in the amount of {$10.00} on my credit reports. When asked to validate the account they sent private medical data that was obtained without my consent. I have sent tried to dispute the information for violating my HIPPA rights and have received no response from the company.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX original creditor XXXX XXXX XXXX, 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 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against Experian, Equifax, and TransUnion for their failure to verify and validate the accuracy of a charge-off account appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus have a legal obligation to ensure that all information reported is 100 % accurate, verifiable, and substantiated.

Key Issues with Credit Reporting : Failure to Properly Verify the Charge-Off Before Reporting It The credit reporting agencies are responsible for ensuring that any derogatory account they report has been fully validated before adding it to a consumers credit file. 
I have disputed this charge-off directly with Experian, Equifax, and TransUnion, yet they failed to provide me with proof of any independent verification process conducted before or after placing this account on my report.

Without clear evidence that they conducted proper due diligence, they are violating FCRA Section 623, which mandates that all furnished data must be accurate and fully substantiated.

Inconsistent & Unverifiable Information Across Bureaus The charge-off account is reported differently across all three bureaus, with discrepancies in : Date of first delinquency Balance owed Account status and pay status Scheduled removal date If this information can not be verified with 100 % accuracy, the bureaus must remove it under FCRA Section 611.

Increased Risk of Identity Theft Due to a Confirmed Data Breach I received a formal notification from XXXXXXXX XXXX XXXX XXXXXXXX confirming that my personal and financial information was compromised in a data breach. 
Given that my sensitive financial data was exposed, the accuracy of any account linked to my identity must be questioned. 
The credit bureaus failed to take this breach into account when validating the information they received before reporting the charge-off, which is a serious compliance issue under FCRA Section 605B .
Product: Credit card or prepaid card

I made a charge on my Citibank XXXX Mastercard on XX/XX/XXXX in the amount of {$370.00} to the XXXX XXXX XXXX, XXXX. I filed a dispute with Citibank and was notified on XXXX posted on XX/XX/XXXX and it was labeled as " Reverse by XXXX ''. It was not labeled as a conditional credit in the amount of {$370.00} and also on XX/XX/XXXX, I received a credit for the {$29.00} for an additional charge by XXXX. Neither of these credits was labeled conditional by Citibank. I did receive an email from Citibank on XX/XX/XXXX, indicating that I must sign a letter and fax it back to Citibank by XX/XX/XXXX indicating that still wanted to continue my dispute. I did sign and faxed the letter back to fax number XXXX from my company fax XXXX with my statement. I find this requirement to fax back HIGHLY unusual since the company XXXX filed bankruptcy in this time period and never had the dispute been reversed by Citibank on my statements. Why am I supposed to accept the settlement of {$87.00} posted this XXXX statement as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is in Reference to the following : 1. XXXX XXXX : XXXX in XXXX 2 . Confirmation Number : XXXX 3. Case Number : XXXX Although my previous filed complaints with XXXX and XXXX were still OPEN, since they have already sent me a correspondence about the results of their reinvestigation, I need to make a secondary complaints today because I am very dissatisfied with the result of their investigation with the said Creditor, Their information don't jive with each other. It seems that they fail to communicate with one another resulting in various interpretations on this one single item that they have furnished on my credit file. 

I find it really unfair on my end because this is ruining my name and character as a consumer. My credit profile reflects my creditworthiness as a person and improper delivering of information may result in giving other creditors some negative perception by judging my credit capability.