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

To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

XXXX / XXXX Account # XXXX Date opened - XX/XX/19
Product: Payday loan, title loan, or personal loan

i had issues pay this keep charges late fee im in hardship
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently reaching out to the CFPB for help regarding an account with Goldman Sachs that hat has caused me severe health, economic and XXXX  problems. In XXXX I spend XXXX dollars with Sachs and paid it back without a problem, in XXXX my business was disrupted because of covid and I was closed down unexpectedly. This caused me to miss 3 monthly payments with sachs. I reached out to Sachs explaining my problem, and requested a payment plan but was denied that option. In XXXX a member of management from XXXX reached out to me and after learning of my situation, transferred me to a Claims Specialist to further assist.. The specialist went over various options, so I chose the more affordable for me. I am attaching a copy of the agreement with this complaint. I was promised no interest and no late fees, and a report to the credit bureau. After making 3 monthly on-time payments Sachs promised to reinstate my account. 
This agreement has been breached by Goldman. I have gotten charged interest, and late fees, and incorrect information has been submitted to the credit bureau. Thius has caused me a great number of problems, including a decrease in my credit score. I have tried getting this fixed on more than 12 occasions, including 4 with XXXX, but Sachs refuses to correct the information. This company is abusing its power and is breaching its agreement with me. The negligence of Goldman Sachs has caused me the opportunity to qualify for a loan that would have saved my business and home. 
Goldsman has shown no mercy and has refused to correct the error. Goldsman has automatically deducted the payments from my checking account and refused to report this to the credit bureau. I need help against this monster of a company that has caused me so much pain and suffering.
Product: Debt collection

In  XXXX   XXXX , I got behind on my credit card with First National Bank of Omaha due to having a baby and being on unpaid maternity leave. I could n't catch up and pay the minimum amount due so I ignored it for a while. About a year later, a debt consolidation company  XXXX   XXXX  ) contacted me on First National 's behalf in order to consolidate. I worked out a deal where I would pay back half of the debt over a course of a year which amounted to about {$2400.00} and the other half would be reported on a  XXXX  Cancellation of Debt which I filed on my taxes for the year  XXXX . Since then, I keep having call after call from a different company/firm trying to collect on this same debt. I tell them that I have fulfilled the debt through a debt consolidation company and they say thank you and we will take care of it. Then a month or two later, I get another call from another company with the same story. So I tell them again what I did and they leave me alone. I have seen where they are going so far as to call my brother in another state and my in laws trying to find me. This is utterly ridiculous and I need help! Any help you can provide would be fantastic.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove XX/XX/2021 inquiry from credit reporting bureaus. The credit score used to generate a credit denial for XXXX XXXX XXXX XXXX XXXX XXXX  is wrong. The credit score is wrong that caused the denial. I have opened complaints on all credit bureaus to correct the credit scoring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still an account that requires fixing. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian credit bureau to confirm this account ( 1 ). ( A ). I'm confident the contested records are settled. 


Please fix this account : XXXX XXXX XXXX XXXX XXXX : {$41000.00}
Product: Credit reporting or other personal consumer reports

While checking my credit report, I noticed that Equifax is inaccurately reporting payment history relating to two ( 2 ) US DEPT ED accounts. I reached out and have not received a response in over 45 days. According to federal law they have to respond in 30 days or delete the accounts from my credit report or be in violation of 15 USC 1681i ( A ) ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX : # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX # XXXX Account Name : XXXX # XXXX, Account Name : XXXX # XXXX I looked at my Experian credit report on XX/XX/year> 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 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

As my child is only XXXX years old, but the company call Netspend just send her a real prepaid Visa debit card to activate.account number on card is XXXX and routing number is XXXX issue by XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent XXXX a stating I was opting out of any and all authorization I the consumer XXXX have given them written, unwritten, verbal and nonverbal per 15 usc 6802. On XX/XX/XXXX XXXX reported XXXX installment loans to equifax in the amount of {$5300.00} and {$2900.00}. Then on XX/XX/XXXX XXXX reported XXXX installment loans to transunion in the amount of {$2900.00}, {$3000.00}, {$1700.00} and {$5300.00} which violates Family Educational Rights and Privacy Act of 1974. The act expounds that it protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. It also applies to any state or local education agency that receives funds under an applicable program of the US Department of Education. It prohibits educational institutions from disclosing personally identifiable information in education records without the written consent of an eligible student, or if the student is a minor, the students parents ( 20 U.S.C.S. 1232g ( b ) ).
Product: Checking or savings account

My checking account is through Truist bank. I was issued a fraudulent check in the amount of {$4900.00} by a scammer which I deposited XX/XX/25. I deposited {$1200.00} into my checking account and the rest out in cash. The check then bounced and I lost the money which I had sent, based on the bank issuing the cash to me " in good faith ''. I then filed a claim with Truist to recover my funds fraudulently taken from me, but denied my claim on XXXX. So essentially, I was scammed for money based on the bank issuing me cash from a fraudulent scammer 's check and now say that they can not reimburse the amount. I feel that that is patently absurd and feel that Truist should be held accountable for not having vetted the check before issuing funds based on the check being good, then claiming they are not responsible if the check turns out to be bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the incorrect and outdated information reported by his credit repository on correspondence they received. The letter was dated XX/XX/XXXX. CHAPTER XXXX BANKRUPTCY Ref # XXXX has been withdrawn last XX/XX/XXXX and I clearly informed this credit repository in the said letter. I was able to verify this with court my self. I asked them to obtain the latest public record information from the vendor of this information and NOTHING happened. Their records still show OUTDATED info which violates FCRA.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect Current Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Incorrect Previous Address - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Incorrect DOB - XXXX Employer - XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i sent Equifax XXXX and XXXX More than enough supporting documents to have 3 accounts that do not belong to me removed or blocked from my credit history. i was very straightforward by telling the three credit bureaus that these accounts from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX did not belong to me and that i had never opened these accounts nor did i ever give anyone permission to open these accounts under my name. i filed a police report and a FTC report to have these items removed and they are still being reported. I Did not open these accounts and they are not associated with me in any way shape or form. i have no contract with any of these companies listed in my police report or FTC report. I also called the three major credit bureaus to ask if they had attached my complaint documents so the companies can see them and they stated No they didn't which violated my rights as a consumer and did not give me the fairness to have these accounts removed. i have also sent enough proof to identify myself with my arizona drivers license and two current utility bills
Product: Debt collection

on or about XX/XX/year> I sent Credence Rescource Management LLC a debt validation letter, Because they sent me a collection letter for an ALLEGED with XXXX XXXX XXXX XXXX previously sometime in XXXX or XXXX. they then sent a bill nothing in the debt validation letter was delivered.i asked for a detailed breakdown including, the original creditors name, the original account number, dates of transactions, and a complete breakdown of any fees or charges that I have accrued. that is in violation of the FDCPA, FCRA a violation of my privacy and 18 U.S.C 1028 A I demand this be removed from my consumer report by all agencies an compensation for any an all violations
Product: Credit reporting or other personal consumer reports

I understand collection agencies are supposed to post a debt one time. 
This agency reported the same debt at least 5 times. 
On the following dates : XX/XX/20 XX/XX/20 XX/XX/20 XX/XX/20 XX/XX/20 This agency has not contacted me previously about this debt.
Product: Credit reporting or other personal consumer reports

I have disputed these Inquiries on my credit report because I have not authorized any company to view my credit report and they should not be on my credit report. The credit bureaus always send me an updated credit report stating that the accounts have been verified and updated. 
XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year> Under 15 U.S.C. 1681i, I request an investigation of these inquiries, and in accordance with 15 U.S.C. 1681b, I expect these unauthorized entries to be removed if they are found to lack a permissible purpose. 
Please provide written confirmation of the removal of these inquiries and send me an updated copy of my credit report reflecting these changes. If you are unable to remove these inquiries, please provide me with the evidence of my authorization and the permissible purpose under 15 U.S.C. 1681b for these inquiries.
Product: Mortgage

While I had full coverage insurance naming the bank as benefit, XXXX XXXX/Wachovia/WF put lender placed insurance on my home at three time the cost and paid themselves commissions. I was current with all payments, insurance and taxes when this happened. I asked how may people did they do this same scam to in XXXX County Florida and the bank never responded to the Judge 's order for discovery. The case was dismissed. I tendered a check of {$100000.00} through my attorney to reinstate the loan and was denied. I offered to buy my mortgage in 2010 and was denied. Wachovia wrote the loan off but refiled under Wells Fargo for a 2nd time and lost and paid attorney fees. Wells Fargo has now filed a 3rd time. I demand to know how many people in XXXX County Florida went through the same fraud by Wachovia/Wells Fargo
Product: Debt collection

They called my family members threatening to sue me without ever contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX, XXXX and XXXX. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX
Product: Debt collection

The first time I disputed this medical debt was through XXXX and XXXX and the sold the debt to another collection agency Argon. This is the same collection I had on there before. They sold it to a new collection agency after they removed the previous collection. I had already paid this before and it should have never been sent to collections in the first place. I attached a picture of my bank account showing what I paid. Because we were having issues with my insurance and after my insurance paid that is what I owed and I paid it. I dont owe them any money. I also have attached what I paid to the lab because they charged me for each different department. I also have attached the bill I was sent through the mail. I never received anything else from them after I paid that so I was never told it was being sent to collections because I paid and I thought we were good.
Product: Debt collection

I received a statement in the mail from credit management saying they need to collect a XXXX $ claim for XXXX XXXX XXXX XXXX as of XX/XX/22. I have never heard of this company not ever even been to XXXX fl. Ive been in the hospital XXXX XXXX Florida XXXX XXXX XXXX as was XXXX  months before XXXX XXXX XXXX due to serious XXXX. I XXXX and did some research and apparently this is a fraudulent company destroying people credit and I just know it better not touch mine. Feel free to contact me at XXXX XXXX XXXX at XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report as provided by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 6 ( o ) ( 2 ), I assert my rights under 15 USC 1681 ( Section 604 ( a ) ( 2 ) ) ( also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I have reviewed my credit report, and I have identified inaccuracies regarding late payments reported by XXXX XXXX. The late payments reported are XXXX, XXXX, and XXXX of XXXX, Reported by XXXX XXXX, Acct # XXXX. 

As a consumer, I have the right to ensure that the information reported on my credit report is accurate and up-to-date. Under 15 USC 1681 Section 6 ( o ) ( 2 ), I am entitled to privacy regarding the information contained in my credit report, and any inaccuracies can have significant consequences on my financial well-being.
Product: Credit card or prepaid card

I have called the credit card company twice to resolve this ongoing issue of charging me interest. Every month I pay my new purchases balance in full. I got a promotional check for a balance transfer with a 0 % interest till XXXX of XXXX. I'm including three statements which clearly shows I paid my new purchase balance, fees for the use of the loan, ( which I understood and agreed to pay ) and payment on the loan delivered on XX/XX/XXXX which needed to be paid on XX/XX/XXXX. When my XXXX Statement arrived I was surprised to see I was being charged and interest fee. When I called the credit card company they said I didn't pay my balance in full. I explained to them I did but your including the loan balance as a total new balance with my new purchases for the month. What good is the 0 % interest till XXXX of XXXX if you include this as part of my new balance and charge me 25 % interest? I kept getting the run around about their policy, so I told them fine I'll just pay the entire amount off which I did shown on the second statement delivered XX/XX/XXXX that was over 2 weeks early as payment was due on XX/XX/XXXX. So you can imagine my surprise when my XXXX statement arrived and I had another interest charge. I then recalled the company and asked them why are they keep charging me interest as I paid my entire balance in full over 2 weeks earlier then it was due. They kept on the same statement that this was due to me not paying my balance in full. I asked the customer service rep if he agreed that I paid my new purchases in full every month and he said yes. I then asked him if I paid my minimum amount due on the loan and he said yes. So then help me understand what I haven't paid? He didn't have a response for me other than I hadn't paid my balance in full. Really because it's clear that I did. I think this 0 % balance transfer program is a scam and I'm requesting the interest charges for both months and the fee I paid to have this Credited back to my account as a total of {$57.00} as I did not get the service I was promised. Before I decided to take advantage of this balance transfer I called the credit card company and asked how this all works and they told me, ( which was a recorded line ), that my everyday charges would be separate from my balance transfer and as long as I paid my new purchases in full and the minimum requirement on the loan I would not be charged interest. This is obviously not the case. When I found this service to report this issue I read of another person with a case number XXXX submitted on XX/XX/XXXX with the same issue from the same credit card bank. Got me to thinking how many others are out there getting ripped off by this so called 0 % loan. This is very unethical and I hope you can put a stop to this companies actions as to me this is what is upsetting me more. Having the credit of {$57.00} would be nice but if my actions help others then that would be well worth my time in submitting this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXXXXXX XXXX XXXX and Inquires from XXXX  XXXX and XXXX XXXX is incorrect and unauthorized accounts on my credit report. Id like a full investigation on these accounts and ask for an original copy of an agreement with my signature on each account, Thanks.
Product: Credit reporting or other personal consumer reports

Hello All, The following hard inquiries are fraudulent and doesn't belong to me and need to be removed please. 

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  Thank you Best Regad
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 XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX  XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) 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

I have contacted all three Credit Bureaus/Agencies ( Experian, XXXX, XXXX ) and the Creditors ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.