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

XXXX ; XXXX and Transunion are reporting incorrectly late payments on the XXXX XXXX partial account number XXXX. This loan was sold ; paid in full and settled. XXXX XXXX is still reporting incorrectly late to all three ( 3 )  bureaus. ( Please see pages 8 and 9 of the attached credit report. This incorrect reporting is harming my credit score. Please remove these line items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent three requests to Sage Stream to freeze my credit file. I sent all the required documentation and they stated that they could not confirm my identity.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 

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: Vehicle loan or lease

I have an active auto loan with Capital One Auto. My loan was delinquent as the end of 2020, but I have been current on this loan since XXXX. Despite that, Capital One Auto continues to report that my loan is past due, and we're halfway through XXXX now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX, XXXX ) and the Creditors ( DSNB/Macy 's ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN LLC CREDOT BUREAU is refusing to honor my request to have items blocked due to identity theft. I have sent in all required documentation and have disputed items several times over past year. Experian is not properly investing claims, some of these accounts are " internet loans '', Accounts that dont even have a customer service center or number, and somehow these debts are being falsely verified. and Experian is not honoring my goverment document that i have uploaded in portal 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Truist bank didnt pay my XXXX XXXXXXXX card the payment made on XX/XX/2025 for {$60.00} the pay something on account and not pay XXXX XXXX
Product: Credit card or prepaid card

I spoke with Discover Credit card customer service on XXXX XXXX XXXX explaining that I MAY be consolidating my debt. I did not confirm at all. I called to make a payment on my account and they closed my account without my permission stating that they thought I was consolidating
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander continues to illegally report on my credit a debt that they are claiming. They keep changing the account closed dates, the account number, and the amount so they can continue to report it. They have also fabricated a payment in 2016 so the reporting period would start all over. I have disputed this account both with Santander and with the credit bureaus. They then sold it to a reporting agency and had it reporting to my credit as 3 separate line items. I was able to dispute that due to the similarities. It was at that time that they added a false payment so that they could continue to report this as a bad debt on my credit reports. This debt is passed 7 years and due to their illegal reporting practices it continues to harm my personal credit files as though it is a brand new collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to disputing accounts that are erroneous on XXXX and mailed them certified with proof they were delivered. I received notice in the mail that this company received the dispute letter NEARLY 60 DAYS AGO. It is now XX/XX/XXXX and I have not received a response from you. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they have 30 days to investigate disputes. If they can not verify the information within the 30 day time period, they must delete all of the disputed accounts from my report. I also attached the original copy of my letter sent on 01/07/21. TransUnion JUST STARTED INVESTIGATION XX/XX/XXXX with an expected completion date of XX/XX/XXXX ABSOLUTELY NOT THEY WERE ALREADY GIVEN NEARLY 60 DAYS. IM NOT WAITING ANOTHER 30 DAYS BECAUSE TRANSUNION ISN'T DOIN THERE JOB AND IM PREPARED TO TAKE LEGAL ACTION WHICH CAN RESULT IN A {$1000.00} FINE PER UNDELETED ITEM PER THE FRCA. I will also be reporting this to the FTC if this is not resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company refused to remove the other traveler 's payment when they could not attend the trip. They can see on their end that only one traveler checked into the airport and one person into the resort.
Product: Credit card or prepaid card

On XX/XX/XXXX I called express asking that my husband XXXX XXXX be removed as authorized buyer and a letter stating that he was removed. I was informed do to a XXXX ongoing system error removing my husband wasn't possible. On XX/XX/XXXX or XXXX a Sr supervisor was finally able to remove my husband XXXX as authorized buyer and I again requested a letter stating specifically that " XXXX XXXX has been removed as authorized buyer from account/card ending in XXXX '' I informed customer care that the letter must state his name specifically so our lender could take it to credit Bureau so we may get our mortgage loan. I have called 18 times since XX/XX/XXXX and spent more than XXXX on the phone trying to resolve this issue. I have even sent messages through express app and I still don't have the letter I need. Comenity has gone as far as to open a dispute claim I didn't request when I told them I would go public with everything they have put me through including when they refused to take XXXX payments ( back in XXXX and XXXX ) so I would be charged late fees. The payment refusal issue had been resolved back on in XXXX XXXX. Something I have since learned from reading reviews is common practice. Comenity.net 's refusal to issue this letter could leave our family homeless as our mortgage won't clear without this specific letter. When calling and asking for this letter comenity sends me a template letter that only says " authorized buyer has been removed '' and I have told them their template letter isn't enough. Now they are trying to drag this out 90days with a dispute claim I didn't ask for. I have received 3 letters all saying " authorized buyer '' has been removed but the letter needs to state " To whom it may concern ; XXXX XXXX XXXX has been removed as authorized buyer from account/card ending in XXXX '' on express letter head. Why they aren't doing this is beyond my understanding my lender says this is standard practice and shouldn't have taken any longer than 72hrz. Can you please help use get this cleared up so we can get our mortgage loan. Sincerely XXXX XXXX XXXX
Product: Debt collection

XXXX by XXXX in XX/XX/2017. Lost job, currently unemployable. Collection company sends letter every 6 months. Latest collection amount roughly twice original debt owed
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. Despite sending multiple dispute letters and filing several CFPB complaints, Experian has failed to properly investigate my disputes and continues to report inaccurate and misleading information on my credit file. Additionally, I have not received an updated credit report via mail as required under the FCRA. 

Upon reviewing my credit report through XXXX, I discovered that Experian has reinserted accounts that were included in my bankruptcy, reporting them as negative. This is a direct violation of FCRA reinsertion rules. Furthermore, Experian has failed to conduct a reasonable investigation into my disputes and has provided false or misleading responses. 

I am formally requesting the immediate deletion and correction of the following inaccurate information from my Experian credit report : 1. Incorrect Personal Information : Incorrect names Incorrect addresses 2. US Bankruptcy Court Minnesota : The U.S. Bankruptcy Court does not report or verify bankruptcies to consumer reporting agencies. This entry should be deleted. 
3. Accounts Included in Bankruptcy but Reinserted as Negative : XXXX XXXX XXXX XXXX  This account was included in my bankruptcy. However, it is now reporting as negative. I also received a letter from XXXX XXXX XXXX XXXX stating that they provided me with information I requested, which is false as I never requested any such information. 
XXXX XXXX This account was included in my bankruptcy but is now reporting as negative. 
XXXX XXXX  This account was included in my bankruptcy but is now reporting as negative. 
4. Accounts with Missing or Unverified Documentation : XXXX XXXX XXXX  They have not provided documentation that constitutes a valid debt. 
XXXX XXXX They have not provided proper documentation to validate this debt. 
XXXX XXXX They have not provided proper documentation to validate this debt. 
5. Accounts Reporting Inaccurate Information : XXXX XXXX XXXX Reporting inaccurate information. 
XXXX Reporting inaccurate information. 
XXXX XXXX XXXX Requires an update. 

Experians Failure to Comply with the FCRA : Failure to provide an updated credit report via mail after multiple disputes. 
Failure to conduct a reasonable reinvestigation of disputed accounts. 
Reinserted accounts included in bankruptcy without proper notice, violating FCRA 611 ( a ) ( 5 ) ( B ). 
Providing misleading and false responses to disputes. 


Please provide me with an update on the status of this complaint and the corrective actions that will be taken against Experian. I appreciate your prompt attention to this matter.
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 items 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 Items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the XXXX XXXX XXXX or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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: Credit card or prepaid card

Comenity bank systems are down. Unable to make payments, use the card or login. Unable to contact phone support either.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/2017 XXXX reported my balance as being thirty days delinquent and it was not. They explained to me when I contacted them that they were going to use what they called a reset to fix and correct the error that they were solly responsible for by their own admitition as being incorrectly reported on all three credit bureau agencies XXXX experian and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXXXXXX {$46.00} XXXX XXXX  XXXX {$14000.00} XXXX XXXX  XXXX XXXX XXXX {$600.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Credit reporting or other personal consumer reports

1 ) The company 's software confirmed that I had autopay set up. However, autopay failed to work 80 % + of the time, resulting in late fees. 

2 ) After this occurring repeatedly, I requested that they close my account. I was told a year ago that my account was closed. I also followed up on the email thread reiterating that the call was about closing my account and that I was told the account would be closed. 

8 months later I saw that I had a balance on my account and that it was never closed. I then called to close the account again. This time I was assured that my account balance was paid and closed. A month later I received an email that I had {$9.00} on my account that was past due. I notified them that my account was closed and that the balance was paid. Given the assurances I received, I do not feel that I am liable for this balance. 

In short, the company made it impossible to pay off my card and close the account. I find this behavior exceptionally abusive. As someone who has a credit card account with every major carrier, this was a uniquely bad experience. This would never happen with any other credit card issuer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see pages 9 and XXXX of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. XXXX   has removed this line item from my credit report but XXXX and Transunion have not. I have contacted the bureaus to remove this from my credit report however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my XXXX XXXX Account No. XXXX in XX/XX/2018. XXXX is still reporting that I owe money on this account to XXXX and TRANSUNION. By incorrectly reporting this amount to XXXX  and TRANSUNION, XXXX is driving down my credit score with XXXX  and TRANSUNION. Could CPFB please get XXXX to correct this? Thank you for your assistance with this request.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : 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  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 sta
tes a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of
crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Transunion is reporting this information. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collectiom/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Transunion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC so 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XXXX, Transunion, and XXXX XXXX after my disputes in XXXX, 2021 and XX/XX/2021 XXXX, Transunion, and XXXX has informed me via mail that they are going to continue to diminish the value of my consumer report and violate my consumer rights under the FCRA. I have included evidence that XXXX, Transunion, and XXXX is violation of the FCRA, has not investigated my matter properly pursuant to Federal law and have verified my dispute as " Accurate ''. 
XXXX. XXXX, Transunion, and XXXX has use my report improperly nor did they have permissible purpose or my written instruction pursuant to federal law-15 USC 1681b ( a ) ( 2 ). 
XXXX. XXXX, Transunion, and XXXX has Infringed upon my consumer right to privacy pursuant to federal law- 15 USC 1681 ( a ) ( 4 ). 
XXXX. XXXX, Transunion, and XXXX has not conduct a proper investigation pursuant to federal law XXXX15 USC 1681a- ( e ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.XXXX XXXX  XXXX XXXX Balance - XXXX XXXX XXXX Balance {$970.00} XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX, XXXX XXXX Inquired on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request that the following accounts and inquiries be immediately blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened or recorded fraudulently in my name as a result of the breach.

Below are the affected accounts and inquiries : Accounts to Be Blocked and Deleted : XXXX. XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX. XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$12000.00} Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX