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

XXXX  - I have sent over 4 dispute letters to XXXX all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

XXXX  - I have sent over 4 dispute letters to XXXX all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

Experian - I have sent over 4 dispute letters to Experian all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

Dates:XX/XX/2020 - XX/XX/2020 Actions Taken by Me : Sent 4 dispute letters to All bureaus ( Experian, XXXX  and XXXX ) by Certified Mail Return Receipt to remove inaccurate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Credit reporting Improper use of your report Equifax Credit Bureau XX/XX//2022 This information above was the first time that I sent a complain. the only bureau the did not fix the information was EQUIFAX, I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencie which is equifax, not modify or removed anything. 

So i asked for the description of the investigation according to 15 USC 1681i. I still didn't receive anything. 
Also I sent them a letter and still no response
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
Account name : XXXX XXXX XXXX {$250.00} Account name : XXXX XXXX XXXX {$500.00} Account name : XXXX XXXX XXXX {$9800.00} Account name : XXXX XXXX  Account # XXXX {$2100.00} Account name : XXXX XXXX Account # XXXX {$180.00} Account name : XXXX  XXXX Account # XXXX {$320.00} Account name : XXXX XXXX Account # XXXX {$520.00} Account name : XXXX Account # XXXX {$270.00} Account name : XXXX XXXX Account # XXXX {$250.00} Account name : XXXX Account # XXXX {$180.00} Account name : XXXX XXXX XXXX XXXX Account # XXXX {$1500.00}
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX payments on my account that were not my fault. I am XXXX XXXX, a loyal customer of XXXX XXXX XXXX XXXX for over three years. My account number is XXXX. 

The following events detail the circumstances leading to this complaint : Upon securing a loan with XXXX XXXX XXXX XXXX, I arranged for auto-pay from my XXXX XXXX account to ensure timely payments. 

Despite this arrangement, I was notified of two missed payments on my credit report. When I contacted XXXX XXXX XXXX XXXX, I was instructed to address the issue in person at their branch, located an hour away. 

After enduring a two-hour wait for an appointment, I was informed that the problem stemmed from XXXX XXXX XXXX XXXX of the credit union XXXX XXXX XXXX XXXX XXXX assured me they could swiftly resolve the issue. 

The matter was supposedly resolved after XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the branch. 

Subsequently, I discovered a significant XXXX drop in my credit score due to late payments attributed to XXXX XXXX XXXX XXXX XXXX despite assurances of resolution. 

Despite repeated attempts to communicate and seek resolution, the issue persists, causing undue stress. Notably, six late payments were erroneously reported, despite being on time. 

I request the XXXX XXXX XXXX thoroughly investigate and address this matter. I urge XXXX XXXX XXXX XXXX to rectify the late payments and enhance their customer service processes. 

Thank you for your attention to this matter. 

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

The collection for LVNV funding for {$670.00}. I had no contract with this debt collector. Theyre reporting inaccurate information. I disputed it already before but it wasnt fixed. Also, another collection with the company XXXX XXXX XXXX XXXX for {$140.00}. I have no recollection of this account and amount because my internet is included in my rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the following accounts as potentially negative when they are not. They are paid. Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All These accounts are paid
Product: Checking or savings account

I have still not received my desire t deposit for my paycheck. This has been ongoing since Wednesday and no questions have been answered, cant get through to a representative and no official updates as this has been ongoing. Some direct deposits are able to be posted earlier than usual but by now this should have been fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an inquiry on my report I didnt authorize fromXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX of XXXX. I contacted the dealership multiple times informing them of the inquiry and they would not explain or provide anything to verify it was done by me. They then contacted me asking if I wanted to buy a vehicle when I sent the demand letter and were very ignorant laughing at me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an email stating my application was denied for employment by XXXX. They were given a background report from Checkr and this report is inaccurate. I had my XXXX  set aside in the state of Arizona in XXXX. I contacted Checkr and they are still reporting the incorrect information regarding my criminal history.
Product: Student loan

I have been trying to come up with a payment plan that fits my budget. The bank only wants to put me on a payment plan where I am paying {$1000.00} per month ( which I can't afford or an interest only plan. With interest only, I am not paying any on the principal. I will be paying forever. I have asked for a plan where I am paying {$500.00} per month and this is all they are offering me.
Product: Prepaid card

I have a pre-paid Vanilla visa gift card, and noticed a fraudulent charge in the amount of {$130.00} ( transaction posted on XX/XX/2023, per attached screenshot ). I reported the charge to Vanilla customer service team ( on XX/XX/2023, after noticing the charge ), at which point they requested my full name, date of birth and address ( all of which I provided, but dont know why they would need this, as my personal info is not linked to the gift card ; a relative purchased the card for me as a gift ). Thereafter, the Vanilla representative requested that I email scanned copies of my gift card, my drivers license ( which I am uncomfortable to provide as this is personal info ) and a purchase receipt for the gift card ( which I can not obtain unless I jump through hoops, to ask my relative who purchased the card to go back to the merchant to obtain the receipt ). Ultimately, I simply would like these funds refunded back to the card in a simple and expedited manner, and Vanilla dispute process is far from simple and with invasive requests for personal information. Any assistance you can provide is greatly appreciated.
Product: Credit reporting or other personal consumer reports

Investigation Request Letter Date of Birth :XX/XX/XXXX SS # : XXXX Enter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Credit account : XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Paid Account/Late Payments : XXXX XXXX Account number : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed Paid Account/Late Payments : XXXX XXXX XXXXXXXX Account number : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed Paid Account/Late Payments : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Product: Student loan

I was never informed that they are my new service provider and that i had a payment due but had to find out by noticing interest added to my loan on my credit burea. I thought i had XXXX. I have never heard of these people or knew i had a payment due last month and so i tried to sign in and of course i cant access my account and now have been on hold for over an hour trying to reach them. I am livid at this and have not had a late payment of my credit in over 5 years and come to find out i had payment due last month apparently. i have read all the complaints about them online from everyone else and i think i am in for a nightmare. I cant log on to make a payment and can not get them on the phone and i absolutely refuse to accept a late payment on my credit. this is ludicrous for a federal loan to be handled this way. unbelievable
Product: Payday loan, title loan, or personal loan

On XX/XX/2023 I applied for a payday loan and received the funding in the amount of {$770.00} on my debit card. It was agreed by an agent that my payments would be XXXX XXXX monthly and the first payment will begin on XX/XX/XXXX. XXXX. A few days later I received a phone call about how I was treated by the agent and when will my payments start. The old agent was gone and replaced with another agent. Everytime I came into the store location she would run and disappear. My first payment start and {$55.00} was taken out of my account. On XX/XX/2023, I discovered that more money was removed from my account than agreed. I contacted the corporate office and was told he will give me a call back. Then I was told to contact the branch. On XX/XX/2023 I spoke with the first agent and she could not answer my questions. The payments are not going down but continuously adding up. She did not have the same information in her database that I was reading to her. I learned that I am being charged XXXX dollars and XXXX XXXX cents a day in interest fees plus my payment of XXXX  ( principal ) dollars goes to the interest again. However, only {$18.00} dollars is being applied to my payments, which is the smaller amounts.
Product: Debt collection

I the consumer/ natural person and original creditor. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by CITI BANK without me benefiting from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Affidavit of truth and exhibits attached. Please note that an affidavit of truth not rebutted stand as truth in commerce.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX delete a non-accurate XXXX bank account on my credit report... Meanwhile, TransUnion is refusing to delete this account, and they never could verify this account when the latest proper documentation ....
Product: Debt collection

NATIONAL CREDIT SYSTEMS which is representing XXXX XXXX XXXX  has threatened me and my previous roommates about a debt from a rental agreement that was null and void due to non-action on a 7-Day Notice. Our apartment became infested with roaches, ants, and bedbugs and they would not let us out of the lease even after a month went by and 3 attempts by their on site pest guy. Then they were saying we ( the renters ) were responsible for the mitigation costs of a Reputable company to come and for the adjoining units. Not only did they break florida statutes that specifically mention the bugs above and that they can not waive our rights to being able to break the lease. When we cleaned the apartment and moved out and hired a lawyer they stopped bothering us but then suddenly they say we owe them for the entire rest of the lease and additional amounts they haphazardly added. I have documentation of the original contract that has " bugs '' written in the portion for issues with the unit before signing the lease because there was little XXXX when we did the walk through of the unit but they assured me that they covered pest control. They did not cover pest control and wanted me to be subject to their XXXX apartment that was {$1500.00} a month. This has damaged my perfect XXXX rental history and now I have trouble getting apartments. I have copies of the rental agreement with bugs on it, 7 day notices which mention the specific statutes in florida for renters rights, and I have email documents proving bites to my body and girlfriends body and the communication with them that went on for over a month with no remedy and yet expected funds without a livable situation. I retained a lawyer that had to provide me with a residence for a year because I could not move in anywhere due to their illigimate claims against me. I have proof and they do not. How can companies get away with damaging peoples credit without fair representation. I would like them to remove this false debt because they have no claim or warrant to it. I can also provide XXXX submission, complaint to Department of Agriculture and Consumers services, and XXXX review that has required the company to change names because no one would want to live in a bug infested apartment for that much money. Please help as this is not a legitimate debt because I was injured in this situation and now have negative credit rating because of it.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act, This creditor has violated my rights. Under 15USC 1681 SECTION XXXX states I have the right to privacy. 15USC 1681 SECTION XXXX SECTION XXXX it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again in regards to the inaccurate and unknown items on my credit report. It has been over 30 days and I have not received a response yet. There are multiple errors shown in my report. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this items. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
XXXX XXXXXXXX XXXX of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal and urgent demand for the removal of inaccurate and unverifiable information from my credit report. I have identified several errors related to accounts that have been charged off and/or display late payments on accounts already charged off. These inaccuracies are damaging, unwarranted, and in violation of the Fair Credit Reporting Act ( FCRA ). 

The following accounts must be investigated and corrected without delay : 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 ) I demand immediate removal of these items. The inclusion of inaccurate or unverifiable information is unacceptable. I remind you that under the FCRA, you are legally obligated to report only data that can be fully substantiated and validated. Should this information remain on my report, I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney Generals office. 

If the information can not be verified as 100 % accurate and complete, I demand its immediate removal from my credit report. Failure to comply with this request in a timely manner will leave me no choice but to pursue legal action for violations of my rights under the FCRA. 

I expect a written response confirming the deletion of these inaccuracies within 30 days of your receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXCAPITAL ONE XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts Disputed : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Please Advise I was never late on the accounts listed above. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply proof please delete these alleged late payments from my credit report. These are invalid late payments being reported. The FCRA allows 30 days for this to be rectified.
Product: Vehicle loan or lease

iLendingDirect is misleading customers. They gloat their online refinance process can be completed within XXXX minutes, but this is a lie. You submit an application online, they send you fake and misleading offers. Then they harass you with phone calls to then ask the same exact information again and submit another application. They have no secure way to upload documents and my loan XXXX wanted me to text them to him. They then take multiple days to obtain offers, even though I already applied online and accepted XXXX. My loan XXXX XXXX, will now not notify me of my offers unless I call him back. I asked to be emailed this information but he is refusing. They have now ran my credit under false pretenses. 

I have read online iLendingDirect is putting XXXX, warranty and fees onto contracts without prior customer approval and are using their phone system, which is hard to hear, to scam customers. They state they need records of the conversation, I argue it is of utmost importance the customer has records of all conversations in situations like this. An email is a record of that conversation for both parties. 

This whole entire process is nothing short of a scam, false advertising and honestly a lie. It is very one sided and this pushes these predatory practices onto unsuspecting people who may feel pressured to accept thing right away without prior review or knowledge. iLendingDirects system is extremely predatory.
Product: Credit reporting

There are XXXX hard inquiries XXXX dated XX/XX/XXXX and XX/XX/XXXX and neither are mine as I do not have an account nor have I ever used or applied fro XXXX service. I have reported to XXXX and EQUIFAX and they removed XXXX previous hard inquiries but these XXXX remain on my credit file. Also there are XXXX from EQUIFAX MORTGAGE dated XX/XX/XXXX and XX/XX/XXXX and I reported to them and they still have not removed although via phone they acknowledged they were not mine. I never requested any mortgage from EQUIFAX Mortgage, they say it is XXXX but I do not have a relationship nor have I requested mortgage through XXXX. I have reported to XXXX and still nothing resolved.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I attempted to transfer {$7.00} ( as shown as my available balance ) from PayPal to PayPal Credit as a payment. I received a confirmation email shortly afterwards. 

On XX/XX/XXXX, I received an email from PayPal stating that my payment has been " returned '' without any exact reason and said I'd be " charged a return check fee of up to {$27.00}. '' Now the transaction doesn't even appear in my PayPal activities and they have stolen the {$7.00} as it doesn't appear anywhere now. 

When I attempt to resolve the issue with PayPal, their " Customer Service '' is non existent. I waited over *4 HOURSXXXX on hold with no answer. This is an unacceptable way to conduct financial transactions.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of several charge-off accounts listed on my credit report. I believe these accounts contain errors and require further investigation. 

The following accounts are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you thoroughly investigate these accounts to verify the accuracy of the information reported. Please provide me with detailed information Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit card

Requested assistance with disputing a charge on XXXX/XXXX/2016, more than two months ago. 
Still have not received resolution or assistance.