23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. 15 U.S. Code 1666b - Timing of Payment XXXX XXXX Account Number : XXXX Please remove it from my credit report.

2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account is in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. You are in VIOLATION of the 15 US. Code 51692k- Civil lability XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
4. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XX/XX/XXXX FACTUAL DATA XX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

I've reached out to XXXX, Equifax, and XXXX pertaining frequent credit score point deductions that are being flagged on my credit reports for no valid reason. Today I had a XXXX point deduction on an auto loan account when a payment is not 30 days past due. They are randomly deducting points for odd reasons that do not comply with credit reporting. They are also not correcting my credit score when accounts are resolved. Meaning they are not increasing the score as accounts are paid off, cleared, etc. as they should be.
Product: Debt collection

I had a previous payment agreement with the collection agency the creditor hired on their behalf. My payment agreement was not honored after they received moneys from me they recall the account and did not want to credit the money I paid. After I made several payments to negotiate with them and they never update my balance in my credit report. I contacted the collection agency which advised that the original creditor did not want to honor the payment arrangement made.
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 XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2021, XXXX XXXX Balance : {$3600.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  - XXXX ) XXXX XXXX XXXX {$2500.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}
Product: Credit card or prepaid card

I have attempted to close my credit card account as my annual fee is hitting. ( I got an email with my statement. ) When I go to log into my account online, I log in, but I cant access my credit cards at all. Even if i wanted to make a payment its not even possible. I also called the number on the back of my credit card ( s ) [ I have 2 with Citi ], and when verifying by phone number or social security number, they dont recognize me at all? 
I haven't changed my phone number at all since I've had any account with Citi, and I see no reason they wouldn't be able to see which credit cards I have by my social security number. 
Also when trying to get a hold of a representative through their automated phone service, I get the reply '' I'm sorry were currently experiencing extremely high call volume ... '' and immediatly get hung up on with no callback option or anything. 

What am I supposed to do? I want to close all of my accounts with citi at this point. 

From the email that shows my balance It has the option to view statement ... I cant even access that when i try to log in either. 
Statement date : XX/XX/2020 Payment Due Date : Saturday, XX/XX/2020 XX/XX/2020
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to revisit the matter of my filed complaint concerning the following accounts : -- -- -TransUnion 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 XXXX XXXX XXXX XXXX
Product: Student loan

I have dealt with Fedloan services multiple times about this issue, including with numerous officers that are in charge of calculating monthly payments. I transferred my loan from XXXX to Fedloan about a year ago, and shortly thereafter my monthly payment more than doubled in amount, increased by over 100 %, it went from about {$130.00} to almost XXXX. This was unexpected, unfathomable and unmanageable for a single mom with tremendous debts as it is.Trying to deal with the company has been draining, first they were giving me excuses and calculations that made no sense and that had absolutely no justification for the increase, they couldnt name any numbers of my income or from my recertification that justify such a tremendous jump, and finally this XXXX I spoke to the last recertification officer who informed me that there must be some issue because the numbers used to recertify my loan monthly payment amount where identical from the previous year. He indicated that there isnt a calculable reason in their records that explains the more than doubled monthly payment, he promised that someone would either fix the issue or contact me and explain what happened, this was about the sixth time I talked to them, since then even though he assured me it would be fixed or explained I have heard nothing. Ive written them a letter and gave them a time to answer and they have ignored it. I want my payment back to {$130.00}, its unfair I shouldve been able to make my payments for the last 6 months - bringing me closer to my 120 payments of my loan forgiveness but instead Im stuck because they more than doubled my payment without reason or justification, and I was forced to go into forbearance because I couldnt afford such a large unexpected payment.
Product: Debt collection

I wrote to LVNV Funding LLC requesting validation of the debt they are stating I owe. I am not familiar with the debt they were requesting payment. I never received the validation requested. The debt was placed on my credit report. I disputed the debt in an attempt to get validation or removal and I received no help just an uphold of the debt. The credit Bureaus did not provide me any explanation of what the debt was. To this day I have no knowledge of or validation of this debt. This has affected my credit and brought an already challenging score down further.
Product: Debt collection

This the final attempt to resolution before filing a federal complaint for {$50.00} XXXX against Portfolio Recovery Associates for unlawful activity and attempting to collect on a debt not owed. 

Read the document attached in full. You have 10 days to resolve the matter before moving to federal court.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting an debt to my account that is in violation of my rights. This debt is paid off a while ago by XXXX and is still reporting a balance to my credit report. I have attached proof that this account is paid off. I need this entire account removed off of my credit, it is paid and is in violation of my rights for a paid debt.
Product: Credit reporting or other personal consumer reports

Notice to an agent is notice to the principal. I am writing this to dispute these accounts that have been reporting inaccurate information. I was incarcerated for 5 years and was released XX/XX/year>, so some of these accounts I have no clue about. For the other accounts, I am requesting information so I can ensure the accuracy of the information being reported, per 15 USC 1681e ( b ), and 15 USC 1681s-2 ( a ) ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion have so many different discrepancies ' between all 3 accounts and information provided that it has been causing me hardship to obtain new credit or purchase a home. All information should be reported correctly between all 3 but none of it makes sense. I have tried numerous times to contact all 3 credit reporting agencies, but information still does not get updated correctly. As you can see from what I have attached below XXXX is giving me 3 different scores across 3 different platforms. Same is with Transunion and XXXX.
Product: Student loan

XXXX XXXX XXXX keeps calling about a private student loan that was not signed by me. I have the documents that shows no signature. This loan is a school loan through XXXX. I did not take out private loans for this school.
Product: Credit reporting

I have XXXX judgements against me. At the time of service I had medical insurance to cover me. Instead of my insurance being billed I was directly sued by the medical provider. I 've contacted the XXXX and XXXX XXXX about this matter & was given proof that I had insurance coverage at the time of of service. I sent a written letter to each credit bureau with a copy of proof of insurance at the time of service requesting they remove it immediately off my credit and they have yet to do so. Please help me because I 'm being denied credit cards home loans and renting a place because of these derogatory remark.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card, balance XXXX XXXX This is information is incorrect and there were fraudulent charges made on this account XXXX XXXX XXXX credit card, balance, XXXX this information is incorrect please remove, and there were fraudulent charges made on this account
Product: Checking or savings account

After my XXXX rent payment of {$1400.00} was rejected by Bank of America for payment I called their customer service and found out that it was caused because someone at the branch can not count and it was short by XXXX cents. The payment was put through over the weekend and posted to my account, but caused a negative balance and so I went to deposit money to resolve it and close the account. I provided a deposit of {$180.00} in cash to a banker at the branch located at XXXX XXXX XXXX in XXXX, TN, on Monday XX/XX/20 and I assumed whoever did the deposit had enough XXXX sense to resolve the negative balance on the account, give me my change back, and close the account. 

I spent several hours on the phone with the bank only to find out what I stated above was confirmed, and then I called the branch and spoke to XXXX XXXX who told me she was the local branch manager. Instead of trying to really help me I was given excuses for other items that cleared being the cause, when in fact, I know what caused it and was told otherwise by people working the the same XXXX bank. I was given a bunch of stupid XXXX excuses and told to bring a letter by from my rental company showing the fees I was being charged and the bank " MIGHT '' be able to hep me get the money back. SO each time I need help I just get more XXXX and corporate merry-go-round and I really XXXX sick of it. 

I was a BOA customer for a long time but clearly they don't hire like they used to. I want this XXXX issue resolved and someone from the bank to actually HELP ME to get the payment made and associated fees reversed or refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cnba hard pull on my credit or days it wo n't be removed un til 2018.what is the  retail an elsewhere I 've never gave consent to this company prove my daughters name and I 'll believe this company knows me
Product: Credit reporting, credit repair services, or other personal consumer reports

late payments that were reporting as late which is incorrect. accounts reporting inaccurate balance and open dates. student loan payment that was paid still being reported as being late. payment status being reported as late when in fact its not late. 
XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was not late but still being reported as late XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. was not late but still being reported as being late. received letter stating account was deleted and removed from report but still it was showing on credit report. forward letter with proof showing it was suppose to be deleted and removed from account but got responce that it was verified without any documments to prove such verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in constant contact with TransUnion Fraud Department regarding US BANKRUPTCY COURT account XXXX. I have provided all of the information that they have requested in a timely manner including but not limited to : Identity Theft Report FTC Report Drivers License Social Security Card Document Signed Notary Police Report I have also followed up via telephone multiple times. Each time I speak with a representative they advise the accounts are valid with no explanation or proof. I have been met with multiple stall tactics that include : Claims that I am a Third- Party : I have PROVEN through phone calls and documents sent that I am working alone to correct this issue.

Information not received : I have again PROVEN through tracking confirmations that they have received my documents as requested. 
Verified through eXXXX system and not by a full investigation : According to the FCRA I am entitled to this, which has not happened. 

This also is not posted on any other bureau.
Product: Debt collection

During this time period I had always had medical insurance. I should have never been charged for any health bills. I called debt collectors and they said not to worry about it. None of this was placed in writing and now they are claiming I owe them money when I was covered.
Product: Credit reporting

I am very concerned that it seems as Experian has not followed the provisions of the Federal FCRA which specifies that a reasonable investigation to determine whether the disputed information is inaccurate/unverifiable or delete the item. It states that if information disputed by the consumer is found to be inaccurate, incomplete, or can not be verified that the consumer reporting agency shall promptly delete the information from the file. In this case no verification of these listings was provided. I initiated a dispute with Experian for a listings for XXXX XXXX Bank XXXX and XXXX XXXX, that should not be on my credit report. The investigation was completed by Experian noting that the outcome of the dispute was Updated. However, there was nothing updated and the listings are still showing with the same information prior to the dispute. I contacted Experian over the phone because the listing looked the exact same prior to the dispute and should be removed. On a recorded line the representative verified that he saw the exact same thing I did that there were no changes. The credit bureau is not following procedures on making sure creditors are substantiating listings to reports. It 's almost as if they work for the creditors. I also have been having an issue with this company removing an inaccurate address that should not be on my file. I have requested numerous times and they tell me that they ca n't remove it when they can.
Product: Credit reporting or other personal consumer reports

An Account Inquiry was made on my credit file XX/XX/XXXX, by a third party entity, which was then used to submit fraudulent medical claims on my health insurance. Transunion refuses to give me the third party contact information, they will only provide the medical entity, XXXX XXXX, that used the unknown third party source. The issue is that XXXX XXXX denies they hired this third party entity and did not request this inquiry. We need to know the Third Party contact information, since this was unauthorized, yet Transunion claims they have it but refuse to provide it which is an obstruction of the law, for billing and identity theft. I have already put a statement out that I have been a victim of fraud in XX/XX/XXXX, so they are fully aware of that, yet refuse to provide the third party contact information, We do know it is showing up as XXXX, which looks to be XXXX  XXXX  upon internet business search, yet we need for Transunion to confirm this, and which XXXX  location so that we can address the unauthorized credit inequiry for medical services which was NOT provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax on XX/XX/2022 went through all the automation ask for representative or specialist and was hung up on by the automated system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a faithful and loyal customer of WellsFargo for seven+ years. I have paid my credit card payments on time and I built my credit up to a credit line of {$11000.00} and a credit score of XXXX! It took several years and focus to achieve this accomplishment. The issues is, my teenage son open an account with WellFargo a few years ago. At that time your representatives insisted I had to sign onto this account with him due to his age. Those representatives also guaranteed to me that as a valued customer, my account will be safe and his account activity would not affect mine!! Otherwise I never wouldve signed my name to his account!! However trusting in this company, I signed my son 's teen acct. Recently his account experienced fraudulent activity. The activity was strictly within his account, nothing from my account whatsoever. However without warning and during the holidays, my credit card was deactivated! I immediately reached out to Wells Fargo, hoping it was an error, and confident it would be rectified easily and quickly. My account was investigated, only for me to be informed because I was on my sons, account due to his fraudulent activity, my credit card was deactivated, and this closure was reported to my credit information, immediately decreasing my score by XXXX points! I am very upset! I am very disappointed! I am livid! I have made 100 % on-time payments to my credit card with this company. My credit line grew due to my loyalty to my years with their bank. My accounts show nothing negative!!! I simply feel as a loyal 7yr customer, my account activity should have been more closely evaluated separately from my son. My son 's fraudulent activity has caused me to be punished on 2 different levels, my $ XXXX credit line is gone, my credit score has dropped drastically, which will affect every area of my life. Wells Fargo has responded in a cold and very uncaring manner. For the 1st time in 7yrs I did not feel like a valued customer.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I sent in my ftc report there is a fraudulent account portfolio recovery on my XXXX report XXXX has not removed the account please remove account asap this does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, OH XXXX my SS XXXX and is DOB XXXX please delete the following fraudulent addresses from my credit file : XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX XXXX XXXX XXXX, XXXX , OH XXXX I have phone numbers on my credit file that do not belong to me. Please delete the following numbers : ( 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 i would like a new credit report as soon as possible.