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

I recently obtained a copy of my consumer credit report from your bureau and wish to dispute the completeness and accuracy of certain information. This erroneous information is negatively impacting my credit report, and I request that you promptly correct it. 

The information I am disputing : XXXX XXXX. 

I trust that you will conduct a thorough investigation within the next 30 days. Following your investigation, please provide me with an updated credit report, along with the names, addresses, and telephone numbers of the individuals contacted during the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous of letters to experian, XXXX, XXXX! We have not heard a response in XXXX business days. By law if nothing is sent in 30 days they are to remove all accounts listed below. Also by law 15 USC 1681i says that there credit investigation would be done with a neighbor and they have not followed the laws. In my letters I stated I was take action. 

These are the accounts below : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and remove all Listed accounts from all bureaus.
Product: Debt collection

Recently there was a {$3000.00} medical debt added to my Equifax Report. I have no idea what this is and I believe it is a result of identity theft. I have been having these issue for some years now. I dont not owe XXXX Hospital/XXXX XXXX {$3000.00} collection as I dont not or have not attended there. I have disputed this with them as well and it's being investigated. They have no record of my authorization, medical records, cards etc just a name no Identification etc. XXXX  has already investigated and determined that it did not in fact belong to me and has had it removed from my report. This has affected.my Equifax Report substantially in a negative way. Please have this item removed from my report as soon as possible as it has hindered me from being able to obtain credit for a new car purchase. I have Reached out to Equifax several times with no regard.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Report suddenly shows 10 XXXX XXXXoan accounts passed due 90 days. I am still in school and have not received any request to pay on these loans. My loans are not due yet. I need these removed from my credit report as late payments immediately. 
I have not received any correspondence requesting payment. My address is till current. I am currently enrolled in school.
Product: Debt collection

XXXX  XXXX And XXXX XXXX  XXXX XXXX entered into a merger XX/XX/XXXX. After the merger I stopped receiving Bill 's and EOBs from services at XXXX  XXXX. I was informed by XXXX  XXXX staff on XX/XX/XXXX, that a {$360.00} credit was somehow added to my account and was advised not to pay any bill 's I received until this balance is resolved. I have made multiple phone calls to XXXX  XXXX and third party billing agency, and nobody can reconcile the balances between XXXX  XXXX office and third party billing. It is not possible for me to calculate what I actually owe with the information I was given. I have not received a correct bill from XXXX  XXXX since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, a consumer reporting agency. for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 

On [ Date ], I sent a letter to TransUnion notifying them of the reinsertion XXXX XXXX XXXX XXXX  account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, TransUnion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations.

TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Trans Union, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting or other personal consumer reports

Iam writing to formally report a case of identity theft and the exposure of my personal information stemming from a data breach. i have taken steps to mitigate the damage, however I am extremely concerned that despite my efforts to secure my personal information, unauthorized actions have been allowed to affect my credit history. My personal data was compromised in a security breach. Consequently, this led to unauthorized accounts and inquiries being added to my credit report. Currently stopping me from buying a home and ruining my life, currently pregnant and not able to get a bigger home for my twins. Im due to have them in 2 months. My Fianc is in the military so Im alone and having my credit ruined by thieves and it's overwhelming seeking further assistance from the FTC to address and resolve this matter. These unauthorized accounts consist of XXXX XXXX XXXX opened XX/XX/XXXX acct # XXXX, XXXX XXXX with a balnce of XXXX opened XX/XX/XXXX acct # XXXX, XXXX XXXX balance XXXX opened XX/XX/XXXX acct # XXXX, XXXX XXXXXXXX bal XXXX opened XX/XX/XXXX acct # XXXX, XXXX  XXXX with a bal of {$1000.00} opened XX/XX/XXXX acct # XXXX, XXXX XXXX {$9300.00} opened XX/XX/XXXX acct # XXXX, XXXX XXXX opened XX/XX/XXXX with balance {$9100.00} acct # XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XXXX XXXX XXXX  The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Employer - XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged 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 XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020
Product: Credit reporting or other personal consumer reports

I have just learned that my identity was breached and data was hacked through XXXX 's website. I have had ongoing issues with XXXX sending me pings at various times when I personally am not on their website or using any services online. This was the first sign that something was wrong then I kept getting my XXXX card declined because of Fraud again and spent over 35 hours on the phone with them paying extra fees to have new cards expedited to me so I could pay bills. I also noticed on my credit report that my data was distributed on the XXXX XXXX. I am currently in school and will be graduating soon and am also in the market to buy a house for me and my XXXX daughters. I am a single parent who is struggling financially and can not believe I have this many issues with credit cards, that I also had to call and have charges removed multiple times ( 35+ hours ), that is to XXXX  and XXXX XXXX over the past year. I am severely affected by all of this and sometimes feel XXXX  and XXXX due to the amount of harassment from the credit card companies with no resolve. I chose to walk away and file with a debt management company out of desperation. I don't know where I went wrong until I found out about my data/identity theft yesterday XX/XX/23 on the XXXX website now it all makes sense. And why did nobody tell me earlier this is disappointing and scary! If my data is already being used elsewhere my business is also at risk. I am a business owner and recently signed up on the XXXX and XXXX website that also reported suspicious activity that was unknown but a large amount of unknown information? Where do I get resolve I am only one person work full-time and attend school online ( XXXX  ) and am worried my student loans may have been impacted too. I don't know where to start or to end because I have had multiple inquiries on my credit report recently I wouldn't know where to start. This data breach is ruining my chances of ever owning a home or making large life purchases and its not only one card or one loan its multiple accounts please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing credit reports noticed an unfamiliar derogatory account from EOS CCA on behalf of XXXX. Made several attempts to discuss, company unreachable, pre-Covid-19.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account balance with the credit bureaus. XXXX refuses to update the correct balance. My XXXX account # XXXX is being handle by XXXX XXXX XXXX ( acct # XXXX XXXX for which I pay on every two weeks and payments are submitted to XXXX. My current balance is {$6500.00}. XXXX continues to report the credit bureaus that my current balance is {$9500.00}.
Product: Debt collection

they keep trying to said i hold a bill for medcal bill that i dont no what they talking about iformend them that someone is using my s.s. # and than they put it on my credit report.
Product: Mortgage

On XX/XX/2021 SPS ( Select Portfolio Servicing ) reneged on XX/XX/2021 letter acknowledging having received a completed application asking if single family house xyz had rental income. I had already emailed and stated inside application itself dated XX/XX/2021 Currently, income from xyz rooms is {$0.00}. 

On XX/XX/2021 I angrily repeated to SPS no change in income in a 45 min phone call where SPS relationship manager xyz asks if I wanted to pay XXXX mortgage payment at no fee and tells me decision moved from XX/XX/2021 to XX/XX/2021. 

On XX/XX/2021 SPS acknowledges application complete but resets date from XX/XX/XXXX to XX/XX/2021 delaying SPS decision by over 2 weeks. Processing time is 30 days. 
This results in decision delayed from XX/XX/2021 to XX/XX/2021 hoping the xyz family will in the future be able to pay past mortgage payments and SPS refuses to help. 
SPS commits fraud employing tactics to confuse, delay and not help by stalling decision to help or not help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian do not clearly state the results of my credit report dispute. Instead, they only give information that implies that the disputed account still negatively affects my account, and they state that I will have to pay for reports and fraud protection in order to see the results of their inquiry. 

Experian dispute number XXXX submitted XXXX XX/XX/2019. Reported as resolved on XXXX XX/XX/2019 via email.
Product: Credit reporting or other personal consumer reports

Sent notarized letters to request for a thorough investigation of my credit report. Requested old addresses and names no longer used to be removed. But they remain. Requested information on how validation was acquired, and received no information regarding the method used to validate the accuracy of the report. Disputed online and sent three letters requesting the information, the last letter dated XX/XX/2023. The information requested was not provided. Accounts were removed from the report and placed back on again. Each agency reports ( Equifax, XXXX, and XXXX ) reporting different information, ( i.e. last payment dates, open accounts showing closed on one report and charged off on another. Late payments of XXXX dates showing on one report and 150 days on another, or profit and loss ). This has caused me hardships and an inability to be able to acquire credit. Unable to receive a printed letter from XXXX and can not access my report online without having to become a member.
Product: Debt collection

I received an email stating that the company that purchased this debt CKS Prime uses ( XXXX XXXX XXXX ) which seems to be the company CKS Prime uses their accounts for a one-time payment of {$280.00} plus the processing fee, which was paid to this company on XX/XX/2023. They received this payment they agreed to as a paid in full payment and are now trying some XXXX XXXX to get more than the original amount was. I was only informed of this after requesting the account be removed from my credit report after CKS Prime got their payment they agreed to. CKS Prime seem to be trying to take advantage of people that are down on their luck and as CKS Prime will send out emails offering to settle for a onetime payment which seems to be false / flat out lying to someone.
Product: Credit reporting or other personal consumer reports

In accordance with 15 U.S.C 1681c-2, it is mandated that a consumer reporting agency promptly block the reporting of any information in a consumers file that the consumer has identified as originating from an alleged identity theft incident, with a requirement for action within 4 business days upon receipt of such identification. 

However, I must express my concern that despite the statutory requirement, it has now been 30 days since I brought this matter to your attention. This extended delay constitutes a clear violation of the law, especially considering my status as a victim of identity theft. I kindly request the immediate removal of these disputed items from my consumer report, as their continued presence is in direct contradiction to the law. 

Moreover, I would like to draw your attention to 15 U.S.C 1681b, which delineates the permissible purposes for consumer report furnishing. Subsection ( a ) ( 2 ) stipulates that a consumer reporting agency may provide a consumer report only in accordance with the written instructions of the consumer to whom it pertains. It is essential to underscore that I have never provided any written consent or instruction to any consumer reporting agency to report the items in question on my consumer report. This situation is a direct violation of my rights as a federally protected consumer. 

I wish to emphasize that the absence of consent amounts to identity theft, a matter of significant concern. Therefore, as a consumer, I firmly demand the immediate deletion of the accounts in question from my consumer report to rectify this violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a creditor on my credit report, XXXX  Bank that is reporting current late payments. I have not made a payment on this account since XX/XX/2013. I have disputed it with Experian for a second time with no resolve. I do not wish to open up a new last date of activity. I would like XXXX   Bank to remove any late payments since XX/XX/2013. As a matter of fact, I would like the account removed completely from my account because they are continuously reporting inaccurate payment information in an effort to start the date of last activity over. I would like this done from Experian, XXXX and XXXX.
Product: Debt collection

Your options do not provide the option in this instance. 

Greentree is improperly reporting my debt to the credit bureaus. I have disputed the date of last activity on the account and they continue to report it. In the attached letter they accuse me of trying to change their reporting to the bureaus. They go on to state that they " make every attempt to ensure the information reported to the bureaus is accurate and correct. 

But just looking at the trade line ( attached ) you can see that they reported the item in XXXX of 2014 but list the Date of Last Activity as XXXX of 2014. It is impossible for Greentree to list payment activity for the month FOLLOWING the report date. If anyone is trying to manipulate dates, it is Greentree. By continually advancing the date of last activity, they are pushing the obsolescence date forward to keep this debt on my credit report indefinitely. 

The Fair Credit Reporting Act. Section 611 ( a ) ( 5 ) ( A ) ( 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 promptly delete that item of information from the file of the consumer. 

I have correctly disputed this obvious error and the bureaus have left it on the file ... subsequently Greentree sent this letter stating that they make every effort to assure that their reporting is correct and therefore have the ability to predict future activity.
Product: Credit reporting or other personal consumer reports

There are multiple unauthorized hard inquires in my consumer reports that I did not authorize, multiple names that are inaccurate and not me, and multiple address that are inaccurate and that is not the correct address. Please block and remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have not had any hours at work and have been unable to pay my payday loan back to Easy Money at XXXX XXXX XXXX XXXX in XXXX TN XXXX. They have called me repeatedly and I have told them I do not have any money for repayment. 

On XX/XX/XXXX, they contacted my place of work and I was reprimanded by my boss for them calling. I called the store and requested they never call my place of work again. 

On XX/XX/2019, they once again contacted my place of work. 

On XX/XX/2019, my boss contacted me to let me know he would not be needing me for the next several weeks. When I asked why, he implied that I was not financially stable and needed to take care of my home life. 

Easy Money has continued contacting my place of work and my personal cell phone. Each time I tell them that I do not have any income. 

On XX/XX/2019, they once again contacted me. XX/XX/XXXX fell on XXXX XXXX this year. The call was incredibly inconvenient and I was forced to answer in front of family and friends during our holiday. It was very stressful and irritating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian XXXX weeks in a row about incorrect addresses listed on my credit report. They removed XXXX and added another incorrect one. The second time I called them, they remove XXXX and replace with XXXX more incorrect/old addresses. I just called them again today XX/XX/2023 and they said that they would remove the XXXX incorrect addresses. I informed them that my current address is the only address that should appear on my credit report.
Product: Checking or savings account

Chase bank closed my account after depositing two cheques of XXXX each from my employer. When i contacted them they say there can not verify the cheques nor return my money. I gave them every evidence of where the money came from and even contacted XXXXXXXX XXXX XXXX XXXX for them to verify the cheques came from them and chase bank did nothing. I gave them the number of the owner of the business for them to contact her they have refused to do with claim they can not verify nor release the funds
Product: Credit reporting or other personal consumer reports

sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX, Experian and XXXX. They ( XXXX XXXX XXXX XXXX  received that letter with certified returned receipt on XX/XX/year>. They have not responded as of today. A second letter was sent on ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law. here 's the tracking number : XXXX second letter tracking number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never made any late payment, the creditor acknowledges that, due to their internal bureaucracy they have not update their system to remove any late payment remarks,
Product: Credit card or prepaid card

Email notification of payment due reflected amount lower than the full amount actually due. I found this very misleading. If I hadnt double checked statement online, I may have initiated underpayment leading to interest charges. Actual due is {$290.00} Chase credit. 
Received today on XX/XX/19 : Your credit card payment is due soon Account ending in : XXXX Due date : XX/XX/2019 Minimum payment due : {$25.00} Statement balance as of XX/XX/2019 : {$270.00}