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

As a consumer I am highly disappointed in this Bureau! I have sent several letters to them about several accounts on my report that were deleted and re-added for instance account XXXX and XXXX these are the same account that were delated from the original creditor XXXX XXXX because they were disputed. I asked them to verify this account with the original creditor and they couldn't so it was deleted. However it was readded to my credit report under XXXX and another name. As a consumer I have the right to a credit report that is 100 % accurate. What makes matter worse is that the bureaus isn't supplying me any information on the dispute process. I have sent several letters and have gotten no responses from this Bureau. This isn't the only account that this has happened with ; there was another, account Account number XXXXoriginal creditor XXXX XXXX XXXX which I disputed this account with the Bureau back in XXXX resulting in, apparently a deletion which I also didn't receive a letter about, this was deleted due to them not being able to verify the account and then a month later was readded under account number XXXX and XXXX. I will be including copies of my credit report from XXXX and my most Recent credit report here in XXXX. However the Bureaus have a responsibility to make sure all information is accurate and correct before entering it into my credit report! This didn't happen. I am writing this complaint because I am expecting them to correct not only these two files but all the others on my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX- account closed XXXX XXXX, XXXX Paid the account in full due to some hardships the account was closed. I did pay the account as agreed and wrote letters to ask for a good will correction and response was ignored. I have reached out many times and still no answer to the pay and delete because I kept my promise to pay. 
2. XXXX XXXX Account closed XX/XX/XXXX - Paid the account in full due to some hardships the account was closed. I wrote a letter to ask for a good will correction and no response. I called asked but still no response. I have reached out for a pay and delete because I kept my promise to pay.
Product: Credit reporting or other personal consumer reports

lets get straight to it. Im reaching out because there are two accounts on my credit report from XXXX XXXX XXXX ( Accounts XXXX and XXXX ). Let me be clear I have no contract or agreement with them that has my signature. None. Nada. So, I need these debts to be addressed and removed ASAP. 

Validation of Debt under the Fair Debt Collection Practices Act ( FDCPA ) : Under 15 U.S. Code 1692g ( b ), I have the right to get proof of these debts. That means XXXX XXXX XXXX needs to show me some real evidence that I owe them anything something with my signature. They sent some papers, but guess what? No signature from me. So heres what I need : A copy of any contract or agreement with my signature that shows I have a deal with XXXX XXXX XXXX for both accounts XXXX and XXXX. 
Permissible Purpose under the Fair Credit Reporting Act ( FCRA ) : Lets talk about 15 U.S. Code 1681b ( a ) ( 3 ). This says a credit reporting agency can only use my report for specific reasons. If XXXX XXXX XXXX cant show I owe them, theyve got no business putting this on my credit report. Its got to be deleted.
Product: Debt collection

These people started calling me back in early XXXX with a claim that I owed a debt but the information they provide me I told them idk who created this so called debt but it never getting paid. They have probably called me over 200 times from various phone numbers. Back in XXXX they pulled the same thing repeated phone calls from various numbers and it happened in XXXX as well and I had to change my number about 10 times until they got this number.
Product: Credit reporting or other personal consumer reports

It has come to my attention that Experian has included inaccurate information on my credit report, resulting in a negative impact on my credit score. This egregious error not only violates my rights as a consumer, but also goes against the guidelines set by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). In order to protect my rights and rectify this situation, I am considering pursuing legal action. In order to support my claim, I have attached all written correspondence I have sent to Experian requesting an investigation into the matter. Despite multiple attempts, I have not received a response from Experian. As such, I am left with no choice but to seek further action to ensure the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

Follow-Up on Complaint XXXX Violation of the Fair Debt Collection Practices Act ( FDCPA ) and Failure to Act by XXXX I previously submitted a formal complaint on XX/XX/2024, regarding a debt claim made by MIDLAND CREDIT MANAGEMENT concerning an account with XXXX XXXX in the amount of {$270.00}. Despite my requests, MIDLAND CREDIT MANAGEMENT has failed to provide sufficient documentation to substantiate the alleged debt. Additionally, XXXX has failed to take appropriate action to address and remove this inaccurate information from my credit report within the required legal timeframe. 

As outlined under 15 U.S. Code 1681c-2, consumer reporting agencies are required to block fraudulent or disputed information no later than 4 business days after notification. Your failure to comply with this requirement and provide sufficient evidence constitutes willful noncompliance under 15 U.S. Code 1681n.

Impact of Your Noncompliance : Due to your failure to address this issue, I have suffered damages, including but not limited to : Lower credit score : Leading to credit denials and unfavorable financial terms.

Emotional distress : Caused by the ongoing presence of inaccurate information.

Financial harm : Resulting from credit denials or unfavorable terms for loans and credit lines.

I am requesting : 1. Immediate removal of the inaccurate information from my credit report.

2. If this information is not removed, I will pursue legal action to recover damages, including statutory and punitive damages, as well as attorneys fees. 

Furthermore, I invoke Estoppel by Silence, as the failure to respond within the legally required timeframe strengthens my presumption that no valid debt exists. If this matter is not resolved promptly, I will take legal action under 15 U.S. Code 1681n. 

I expect your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I hope this message reaches you promptly. I am writing to express my continued concern and frustration regarding the unresolved issue of fraudulent items associated with my account. Despite multiple attempts to address this matter, the fraudulent items persist, causing significant distress and financial hardship. 

I have reported this matter on numerous occasions, with each attempt aimed at resolving the issue expediently. Unfortunately, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in your services. 

Given the urgency of the situation, I urgently request the following actions be taken : XXXX an expedited and comprehensive review of the fraudulent activities associated with my account to facilitate the swift removal of all unauthorized items and transactions. 

Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to resolve this issue. 
Implement additional preventive measures on my account immediately to mitigate the risk of future unauthorized access or activities. 

Given the prolonged inconvenience and the impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in your services. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$530.00} XXXX XX/XX/XXXX XXXX  XXXX Balance : {$19000.00} XXXX  XXXX XXXX Balance : {$530.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting

I have been working diligently over the last 6 months fighting accounts on my report that do not belong to me. On multiple occasions, I have received appropriate responses from the bureaus and the creditors. On almost as many occasions I have not received the appropriate response or investigation. I have even had to file previous complaints with your agency against creditors due to their unfair and illegal practices. You have been very helpful and I have achieved the desired results due to your investigations. Thank you for this On this occasion, I am contacting you about the three major credit bureaus. As stated earlier, I have been working diligently to ensure that accounts that do not belong to me are removed from my report and what I do owe gets resolved. over 2 months ago, I sent out disputed to all 3 major credit bureaus for a total of 3 accounts that do not belong to me. Each particular account is only reporting to 1 bureau. They have yet to respond to my initial dispute nor the re-dispute I sent 28 days ago since I had not heard back from them. 
The accounts on my report that do not belong to me are as follows. 

XXXX XXXX XXXX {$210.00}. Experian OnlyAcct #? 

XXXX XXXX {$120.00}. XXXX XXXX Onlyacct #? 

No name XXXX literally no company listed on the report XXXX {$54.00}. XXXX Only. 
acct #? 

I know that these accounts can not be verified and they should not be on my report. Especially the account on XXXX. How can they verify something that does n't even have a name? Please assist me in getting the bureaus to do their job properly and remove these unverifiable accounts. I am in the middle of escrow and these are the only things holding me back for the last 60 days. Literally {$390.00}. I could n't even pay all of them if they were actually mine since they do n't give me the name of the {$54.00} creditor. How can they report accounts like this? Thank you and I will await your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries that I didn't inquire about my credit report that I would like to be removed. 
According to the FCRA these unverified and unauthorized accounts need to be removed accept any account that's connected to my credit account.
Product: Credit reporting or other personal consumer reports

XXXX Experian, XXXX XXXX XXXX is missing generation identifier. These are inaccuracys Experian reports status updated XX/XX/XXXX XXXX reports status updated XXXX XXXX XXXX reports status updated XXXX XXXX. These are inaccuracys. 

Experian reports last payment date XX/XX/XXXX. XXXX is missing last payment date. XXXX is missing last payment date. These are inaccuracys
Product: Vehicle loan or lease

XXXX  Credit Acceptance Corp worked along with XXXX XXXX XXXX, XXXX to provide financing for my vehicle purchased on XX/XX/2019. There were undisclosed fees and services added to my contract which I did not request nor did the dealer disclose. When I was able to obtain a copy of my contract which someone other than myself electronically signed I saw the additional charges and addressed this with the dealership and Credit Acceptance. A service Contract fee of {$1700.00} was added and a debt cancellation fee of {$580.00} was also added and other charges and amounts paid itemized at {$2400.00} yet no explanation of what these charges are. I asked the dealership to confirm the additional services were removed and asked for a revised contract and my calls continued to get ignored. Credit Acceptance who funded the loan told me they could not do anything about it. I was eventually able to obtain the Service Contract information through XXXX XXXX XXXX and was advised by the company there was no active policy showing for my VIN or under my personal information provided.
Product: Credit reporting or other personal consumer reports

I have already attempted to resolve this matter directly with the credit bureaus by submitting disputes through their online platforms. I have requested that they provide proof of the accuracy of the information in question, but unfortunately, I have not received a satisfactory response. As a result, I am seeking assistance through this complaint to ensure that the matter is addressed appropriately.
Product: Credit reporting or other personal consumer reports

Those are not my accounts on any of those things on there that are delinquent and I never had a car from Ally financial I never had a credit card from synchrony XXXX and I peed off and my XXXX card is not closed nor my XXXX
Product: Checking or savings account

My job sent my paycheck Wednesday XX/XX/XXXX, I always get paid thursdays. It is Friday night and I was told by the company and by 2 agents that my funds would be available Friday MORNING. Nothing is in my account and I have called twice today XX/XX/XXXX and was hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not swayed that Transunion efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Transunion is reporting inaccurate information on the accounts below. Also, I tried contacting Transunion requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with Fifth Third for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 


Unfortunately, 1 year ago, I was in a financial dilemma due to a car accident and wasn't able to work due to XXXX XXXX. As a result 1 of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on one occasion over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 


I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now that 1 late mark on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 


This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries. 


The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments on XXXX XXXX XXXX account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed some inaccuracies and information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit card

I had a store card at XXXX XXXX and without my authorization they closed my store card account and opened up a visa credit card through Citibank. I only found out about this when I tried to pay my store card balance online like I always have using my bank account and the online website said it needed to verify the account and that it would take 3 days to verify it. I called customer service to find out what that meant and they told me that they had opened a visa card in my name instead of my store account and my balance had been transferred to the Visa account. I never authorized this Visa account and I had no knowledge that they were closing my store account to open it. They tried to tell me it was some kind of promotion and I told them I dont want it I just want the store account and they said I couldn't switch back. I had to use the Visa. I went ahead and canceled the account and now they are telling me my payment, which i ended up mailing in, is late because they gave me the wrong address to mail it to. Thankfully I have a tracking number for when my check was delivered and what day I mailed it. Is it legal for them to open a Visa account in my name without my authorization? If it is, why and how is this legal? The late fee was {$29.00} dollars and they charged an additional {$4.00} for interest or some sort of craziness. This seems like such a scam, I don't even know what the apr or other conditions on the card are. I never authorized it and I can't believe this is legal. The fact they gave me the wrong address to send my check to making my payment 'late ' really just makes this seem like even more of a scam.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a {$2000.00} Camera on XXXX. 
The camera was never delivered although tracking showed XXXX delivered the package to my front door. 
There was no signature confirmation from me and I expected they required that for such a high ticket item. 
I reached out to XXXX & the seller. The seller just stated that his tracking showed the item was delivered so he created a dispute within XXXX. 
At that point I needed a camera so I called my credit card company to see what they could do. I told them that my tracking showed delivered through XXXX, but the item was not received. They told me not to worry about it and that they would issue a provisional credit and get it resolved. 
A month later I received a call stating that my chargeback was denied and funds were withdrawn out of my account again. They stated XXXX presented sufficient evidence that item was received. When I received the details, all ebay sent was a tracking number stating that the item was delivered. That was the reason I called Barclays in the first place. From there I kept calling and the Barclay reps kept telling me to send in letters explaining the situation to try to re-open the case. After 3 letters they just kept telling me they couldn't re-open it. They told me I needed to handle it through XXXX XXXX XXXX. When I reached out to XXXX & XXXX they stated that since I opened a chargeback, their hands were tied. Had I kept the dispute with ebay open and avoided the chargeback, XXXX would have been able to take care of me as they require signature confirmation for anything over {$700.00}. I called Barclays back to explain the situation and how this could have been avoided had the Barclays rep told me initially that my claim would be denied if I had a tracking number which shows delivered. They gave me the same answer so I had it escalated to a supervisor. Days later a supervisor from Barclays called me back and I got her and XXXX on the phone together for a resolution. No resolution was met and ultimately both parties stated that there wasn't anything they could do. I feel that Barclays & their poor policies have stolen {$2000.00} from me. XXXX & XXXX at least were very upfront with their policies from the start, instead of trying to please the customer and then later taking back their word. This is a large amount of money and I am so upset that after almost 4 months, nothing is resolved.