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

EQUIFAX has refused to delete a collection account from my credit report even after the collection agency that initially furnished them with the information sent them a delete letter and an auto delete request. After I initially disputed this with EQUIFAX the account was changed to PAID but remained on my report with a XXXX balance. I contacted EQUIFAX again and provided and provided the letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MDS ) sent to all the credit reporting agencies on XX/XX/2020 asking them to delete the collection from my credit file. Whereas XXXX  and XXXX  deleted the collection from my credit file EQUIFAX went ahead and changed the status of the account to UNPAID. 
I have called EQUIFAX many times and uploaded the letter from XXXX ( see attached. ) When I called them yesterday ( XX/XX/2020 ) they acknowledged receiving the letter from me but stated they can not delete the collection because they allegedly have not received it from the information furnishing company. I offered to forward them the email from XXXX stating that the letter was sent to ALL the three agencies and also attempted to give them the AUTO DELETION number XXXX provided by XXXX on XX/XX/2020 but they refused to take it. This has significantly affected my credit rating and hindered me from moving on with important family projects.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding a dispute I initiated on XX/XX/XXXX, pertaining to my credit report. In my dispute letter, I pointed out an inaccuracy in my credit report related to the account with XXXX XXXX XXXX XXXX. This account reflects a late payment in XX/XX/XXXX, which was due to a deferment caused by the XXXX pandemic. According to the XXXX XXXX, such deferred payments should not be reported as late. 

Despite my efforts and the gravity of this issue, I have not received a response or any resolution from Experian, which raises concerns about negligence in handling my dispute and potential violations of the FCRA. 

I have attached a copy of the original dispute letter, which clearly outlines the error and the pertinent details. This letter is dated and time-stamped, demonstrating that my dispute was initiated over XXXX months ago. 

As you are aware, the FCRA mandates the accurate reporting of consumer credit information, and any violations of this act can have serious consequences. I am prepared to pursue legal action against Experian for each FCRA violation, with a potential claim of {$1000.00} per violation, should this issue remain unaddressed. 

I kindly request immediate attention to this matter and the removal of the inaccurately reported late payment from my credit report. I believe it is in everyone 's best interest to resolve this issue promptly to avoid any further legal action.
Product: Credit reporting or other personal consumer reports

recently i had looked at my credit report and noticed several innaccurate information is reported on my account.this acccount is hurting my ability to obtain credit.it is my understanding that you will investigate these items for me to ensure accuracy .here is the item .i an asking you to verify as accurate : XXXX XXXX XXXX Acct # XXXX
Product: Checking or savings account

Upon attempting to transfer my funds from current bank which I now know is using a XXXX XXXX the transaction failed and XXXX defaulted to another card. Yet current says it was authorized and went through. After going through a chat to provide evidence in screen shots that XXXX did not recieve my transfer deposit from current and relied on another card I had current chose to code this for authorized goods or services which I bow know was to evade the provisional credit. After clarifying and being told it was incorrect and would be provided they are now denying this happened and amazingly lack the ability to see their customer service chats or accept my images of it. It is my belief they are using XXXX bots for chat and the phone customer service is not only a multi company outsource but they have no access to disputes team nor have I ever recieved a single communication regarding my dispute. My dispute is a paid by other means dispute and they know what they are evading something I didn't even know until speaking with my XXXX XXXX XXXX XXXX at XXXX XXXXXXXX. 

My social is XXXX as well they can look up by my phone number XXXX Current Bank is again the institution
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Credit reporting or other personal consumer reports

Due to XXXX  XXXX, complications, hospitalizations, and my daughter coming in XXXX XXXX XXXX  offered me a program where as long as I made my payments consecutively on time every month of {$36.00} at the end of the payment. And the balance was paid off no late payments wouldve accrued. They have stay consistent with their word up until last month XX/XX/year> when they updated XXXX missed payments on my credit. Ive called and talked with multiple managers who have submitted information stating for the missed payments on my credit report incorrect, they filed the needed information And then 30 days later it gets changed as a comment on my credit report and nothing is removed. I have asked now on multiple occasions which has been documented within my information for them to pull all conversations since they are recorded as well as copies of all notes in my account. None of these things have been provided to me. I was sent XXXX piece of paper stating that they are denying their request. At this rate, Im looking into hiring attorney. 
I have no photos or documents to attach because synchrony bank has not followed through and provided those documents to me
Product: Debt collection

Closed our account with XXXX XX/XX/XXXX. They continued to automatically charge my credit card on file for an additional months bill in XX/XX/XXXX. I called/online chat with them numerous times and was told the money would be credited back when a final bill was issued. I have yet to receive this final bill. I filed a dispute with my CC to protect myself. XXXX tried to claim I owe them this money, after their agents have told me thru repeated conversations ( see attached ) that they would clear up issue and that I did not in fact owe any money ( since it was monies they had over charged me ). Despite continued correspondence with XXXX several times a month since XX/XX/XXXX, they continue to refer me to their 3rd party collection companies. First with XXXX XXXX XXXX, which, after numerous emails to them including copies of XXXX chats, I finally filed a claim with CFPB ( XXXX ) that helped get resolution with XXXX and I thought with XXXX. XX/XX/XXXX, I received a new letter from a different collection company, IC System. I contacted this company by phone and was told that I could not submit proof that XXXX had cleared the matter by email, that I would have to send by mail. I noted I would submit a claim on CFPB. About 1 week later, I gave birth to my XXXX child. I had not heard back from the Creditor, so I hoped it had been cleared by XXXX and there had just been time lag, since I have received nothing but the first letter from IC System. I just checked my credit score ( XXXX XXXX, XXXX ) thru my credit card and have a debt collector issue. IC System and XXXX are the only possibility. I have not been negligent, I have contacted XXXX, XXXX, and IC System at every step of the way as possible. I continue to be told by XXXX that the issue has been resolved and no debt is due by XXXX, only to find out later by written mail that they have escalated the claim to different Debt Collectors. At this point I feel XXXX is harassing me and has cost me hours of my time and much distress in trying to clear up the issue. I do n't know what to do to get them to keep their promises and clear up the Account. I can not continue to waste time corresponding with them, when they tell me one thing and do the opposite. Can you help me to get ATT to keep their word and stop harassing me for debt ( {$120.00} at this point ) that they already promised me was resolved? Thank you
Product: Debt collection

This account was never mine! I'm not familiar with this account. I never agreed to anything with this account. I should not be held responsible for this account because it is not mine! I've already asked this account to validate this account, and it has failed to do so.
Product: Checking or savings account

I had my direct deposit sent to my money lion checking account in my name, & on XX/XX/2023, I attempted to transfer it to an external checking account. I have yet to see a dime of any money that I attempted to transfer ( Today is XX/XX/2023 ). I am now going to be behind on loans, bills, rent, etc. I called my external bank and they don't even see an ATTEMPT at the transfer. Meaning, Money Lion NEVER sent my money to to my external account to begin with!! I made my external bank double check, and they see absolutely no attempt from anyone to deposit money into my account. 

I don't have a physical Money Lion debit card ( they haven't sent it to me... ) so I never even had the option to keep the funds in that Money Lion Checking account. I have to pay bills and eat/ spend to survive. I needed access to the funds the DAY I got paid in order to pay my bills and expenses. 
I've been through multiple Money Lion supervisors and representatives, who have lied to my face and told me different answers on when I would receive my initiated transfer. Every single time, they kept saying today or tomorrow, so I am having to find out the hard way that the money was never even sent to my external bank account. I have NO idea where the money is, its just in thin, computer air at this point. 
I work so hard y'all this type of hold up is almost enough to make somebody homeless. I'm missing an entire paycheck amount because of them. I'm so stressed and sad, and a lot of my bills are going to charge me late fees / cause huge dings to my credit because of this. 
Mind you, I also have a XXXX XXXX XXXX XXXX with money lion. They have been saying i'm late on payments, meanwhile they won't even let me pay in the app with my checking account on file, ALSO.What do they expect me to pay with? They stole my money!! I pay for my bills with my paycheck! 

They have made no plan or effort to ever send me my heard earned money that they ONLY had because I trusted this company enough to handle my money properly. Please help, I have no idea how I can keep up with my expenses now that I am missing an entire paycheck, and they refuse to do anything about it.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of the Equifax data breach and as a result I'm also a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you. As well as letters were sent to Equifax Trans Union and Experian Demanding to comply with a method of verification used to verify any of this information that is on my report that is inaccurate with no reasonable or legit answer as of yet so clearly this is all apart of my data being exposed. Because of this blunder of this company I have been unable to purchase a home, I have been denied work and I have tremendously struggled financially trying to fix this problem that WAS NOT caused by me and I demand it be fixed immediately!
Product: Credit reporting

I googled " Free credit report '' and link to Experian showed up. When requesting a credit report supposed to be " free '', they signed me up for monthly monitoring for {$21.00} without my realizing it. My FICO score is excellent and I am not in the market for any loans. I found out about this charge from my credit card statement. When contacted, they refused to refund the fee. When googled, this is XXXX of the top XXXX complaints against Experian as many other people have had the same unfortunate experience.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has engaged in fraudulent practices and should be promptly removed from my credit profile. Legally, fraud is defined as the intentional use of deceit or dishonest tactics to deprive someone of money, property, or legal rights, which can violate both civil and criminal law. XXXX XXXX XXXX has faced mulitple accusations of such practices, as seen in Case No. XXXX XXXX. XXXX, where the record notes : XXXX XXXX XXXX makes predatory loans to millions of financially vulnerable consumers trying to buy a used vehicle. XXXX  loans carry exorbitant interest rates, are loaded with expensive add-on products, and saddle borrowers with debts that even XXXX   believes the borrowers often can not afford to repay in full. XXXX   aggressively markets itself as an alternative for consumers with limited credit options and touts its loans as a way for consumers to build their credit and gain financial freedom. But XXXX  is often setting up consumers to fail. 
I am a direct victim of XXXX XXXX XXXX  deceptive practices, which have made it extremely challenging to manage my loan, especially during the pandemic. Their continued negative reporting has severely impacted my credit and financial stability. I have contacted XXXX XXXX XXXX and all three major credit bureaus ( XXXX, XXXX, and Equifax ) regarding these predatory and fraudulent tactics to seek relief. Since XX/XX/year>, I have mailed numerous letters to these credit bureaus, but XXXX XXXX XXXX ongoing actions continue to suppress my financial consumer rights and harm my financial well-being.
Product: Mortgage

I was approved for a deed in lieu with XXXX several years ago. Shellpoint is now sending me letters asking me for payments. Smh
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX,XXXX, XXXX, XXXX has violated my rights.

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
Product: Credit card

In XXXX of this year I made an bank '' payment to American Express for the amount of XXXX, ( XXXX ). On XXXX/XXXX/2017 AE made a demand for payment to my bank, ( XXXX ) for XXXX, ( XXXX ). The amount on deposit would not cover the demand and payment was rejected by my bank. On XXXX/XXXX/2017 my XXXX bank account received a debt Reversal of ( XXXX ). On XXXX/XXXX/2017 I was charged XXXX dollars, ( XXXX ) for Returned Item. On XXXX/XXXX/2017 American Express retried to withdraw ( XXXX ) from my account. On XXXX I initiated a Stop and Hold on American Express, ( cost {$35.00} ). On XXXX/XXXX/2017 AE again retried to obtain payment of ( XXXX ). I have made numerous calls to the AE Customer Service Center in effort to straighten the problem out, after admitting an error on thier part AE sent me a check for, ( XXXX ) in payment for funds that were never withdrawn from my account due to lack of funds and a Stop and Hold order. I called thier Customer service Center and explained to them that since no payment was made by me they do not owe me any money ; I then asked them how they wanted the check handled, they advised me to return or destroy it, I shredded the check and advised them that it had been destroyed, I thought that was the end of the matter. No I am still receiving demands for payment for XXXX, ( {$10000.00} ). They just do n't seem to get it and as a result are damaging my excellent credit rating
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted repeatedly to have First Financial Bank report my mortgage payments to the credit bureaus by filing disputes. My mortgage is current and the payments have been timely the past 6 months, however, they are not showing the account as open, but closed and have not reported any payments whatsoever. This is crucial to my ability to improve my credit score which is also detrimental to acquiring work, credit and refinancing to name a few. I simply want them to report my payments to the three main credit bureaus : XXXX, XXXX and XXXX so that they have a record of my payments and show my account as open not closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$6400.00}
Product: Credit reporting or other personal consumer reports

I disputed this alleged account with transunion on numerous occasions. i submitted a dispute online with them on XX/XX/XXXX, XXXX and results come back as verified and updated. I sent XXXX XXXX XXXX a debt validation letter on XX/XX/XXXX was not certified mail. so i did send another letter via certified mail on XX/XX/XXXX, i have a receipt and tracking number. i asked transunion to delete this account that is reporting as an open account with this company that i have no knowledge of. This company hasnt provided proper debt validation. I would like to see a copy of a contract or agreement that i signed in ink that proves that i am the owner of this alleged debt .I disputed with XXXX and XXXX and they both deleted and removed from credit report.
Product: Debt collection

XXXX from XXXX XXXX XXXX was rude unprofessional and contacted my bank XXXX XXXX XXXX XXXX and requested an amount from my account not authorized to he called me a liar and talked over me people picking up the phone are not representating the company this took place at XX/XX/2018 at XXXX, the number I was told to contact was XXXX I feel scared that this company has my personal information
Product: Credit card or prepaid card

I have had another instance of this company conspiring with a merchant and holding funds. The first time, I had made a purchase from XXXX company, in which they delayed in giving me my refund. They swore up and down it was AMEX Bluebird fault, I was on them hot and hard about my refund, and they convinced AMEX Bluebird to  give me a provisional credit, until they could get the funds to them. The XXXX rep called me back and told me my refund was coming, told me my account information which she should have not had, and they talked with AMEX Bluebird behind my back conspiring to get credit for a refund that they should have sent. I was XXXX, I left the AMEX BB open, but moved my direct deposit, and essentially stopped using the  card, but left the account open. I had a dispute with a Merchant on XXXX, dating from XX/XX/2018. I finally got my refund for that item, and XXXX told me it would be five business days, I just happen to look today, and it was posted to my account, but then AMEX put it on hold saying the merchant is saying do not release it until XX/XX/2018. I feel like they are yet again conspiring against me as a customer.
Product: Credit card or prepaid card

spoke with XXXX at XXXX, we did a 3 way conference call with my bank.bank rep confirmed that a payment was made on XXXX-XXXX-19 to my XXXX  card.XXXX  stated that no payment was received on the card.i asked where did the money go that was taken from the checking account? XXXX stated she did not know.i was told to call back at another time.i have attempted to call back several times, they continued to route me to several others that said they have no knowledge of the XXXX  account.another payment is due soon, i do not know to who or where to send payment or if they will take the money and not credit the credit card. please advise thank you
Product: Credit reporting or other personal consumer reports

I kindly request XXXX XXXX XXXX account with a monthly payment of XXXX be removed from my credit report.Currently, this account is undergoing arbitration proceedings as there are several issues surrounding this account, and it is essential that each bureau continues to be in compliance with the law and that all reasonable efforts are made to verify the accuracy of the information before permitting its reporting. In accordance with the Privacy Act of 1974, as well as the the Fair Credit Reporting Act ( 15 USC 1681 Section 602 ( a ) ), which underscores the critical need to ensure that consumer reporting agencies fulfill their substantial responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy. Equifax and XXXX are recognized as consumer reporting agencies, while I, as the consumer, retain the fundamental right to protect my personal information. 

This right is reinforced by 15 USC 6801, which establishes the congressional policy that every financial institution maintains an ongoing obligation to uphold the privacy of its customers and safeguard the security and confidentiality of their nonpublic personal information.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and was shocked to see this fraudulent account on my credit report this fraudulent account is hurting my ability to get a home for my family please remove this fraudulent account from my credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and remove from erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX I XX/XX/XXXX
Product: Debt collection

Its an emergency medical collection thats around {$710.00} I have had insurance for years Ive tried to dispute this called tried to figure out what its about getting no return calls I believe my insurance would have paid this bill just confused on the situation it is affecting my credit