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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX SSN : Transunion XXXX. XXXX XXXX XXXX, PA XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. Item # 1 : I disput
e XXXX XXXX XXXX, Reported balance {$270.00}, this account is not mines. This company has not sent me any notification of debt. By FTC Law I have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP.

Three inquires are not mines or authorized. 
XXXX Inquiry from XX/XX/2020 Finance XXXX/XXXX Inquiry from XX/XX/2020 Bank XXXX XXXX Inquiry from XX/XX/2020 Bank Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am requesting that XXXX and Transunion delete the collection account from XXXX XXXX XXXX. On XX/XX/2024, I sent a settlement letter to the collection agency to settle this debt. XXXX has since deleted this account after confirmation was sent. I am attaching the settlement letter to this complaint, which is dated, and time stamped. It has been well over XXXX  days since my letter, and I was informed that the account would be removed in XXXX days. Furthermore, XXXX is reporting payment history that is inaccurate when there should be no payment history reporting on a collection account. I expect this account to be removed from my credit report within XXXX days of receipt of this complaint.
Product: Consumer Loan

Conn 's Credit is deliberately providing invalid information to the Credit Bureaus. The company states the first date of delinquency of my account was in XXXX XXXX. This is false and sent deliberately to the Credit Bureaus to allow for a longer reporting time. The account first became delinquent in XXXX. Seven years past this point the account should be removed from my XXXX Credit Report. Conn 's is providing false data to manipulate the length of time the report stays documented on the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this XXXX  Complaint to you today to request that you remove the disputed accounts and information you report on my XXXX XXXX. Despite my multiple previous attempts to request an investigation on my XXXX XXXX, I still see the erroneous reporting of fraudulent items on my XXXX XXXX. I have been submitting dispute letters with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. Upon further inspection of my XXXX XXXX, I noticed that there are accounts and information that were already removed from the other XXXX XXXX but are still being reported by a single Credit Bureau. Under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to my identity being stolen. I request once again, that you remove the following accounts and information from my XXXX XXXX as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I have read enough to understand my consumer rights under the Fair Credit Reporting Act. By continuing the reporting of the erroneous accounts and information on my XXXX XXXX, it is understood that you are trying to violate my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't XXXX XXXX correct. Under U.S Code $ 1681e ( b ) ( b ) Accuracy of report. Improper use of my consumer report The Congress under the Fair Credit Reporting Act ( FCRA ). Please be advised this WRITTEN REQUEST and FINAL WARNING. The List of accounts below has violated! my federally protected consumer rights to privacy XXXX! confidentiality under 15 USC 1681. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Block this information from my credit report, pursuant to section 605B & FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING
Product: Debt collection

Someone in another state has been using my tin or social to get phones from multiple companies. I have had a freeze on all accounts for more than a year once I found this out. For some reason the phone companies keep allowing this person to get phone after phone, even though I have a freeze on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

About 5 years ago I tried to clear up some inaccuracies on my credit report due to someone using my information and obtaining credit cards and such. XXXX and XXXX no longer has the information on file. I was just approved for a car loan and went to finish paperwork and then was told my information did n't match, so I went on line to get my reports. Experian has 2 addresses I 've never lived before AND there is a credit card with a $ 13k+ limit that I have no knowledge of. It says I am a joint holder with a XXXX XXXX XXXX. That $ XXXX would have been my new car!!!! 
I have never known anyone by this name in my life. I am assuming one of the two addresses that are incorrect must belong to him. I have no knowledge of this person and have never had knowledge of him. The only way I found this information was by looking at my Experian Credit Report. I called XXXX XXXX XXXX XXXX XXXX and they only wanted to remove the information. I want more than removal. I want this person to pay for using my information and being allowed to gain access to funds that I now can not to buy a car I desperately need!!!!!
Product: Debt collection

Today XXXX My mom came to communications with Williams & Fudge a collection agency XXXX XXXX had sold off due to me not being able to pay, Williams & Fudge said they had tried to contact me and failed to do so. I dont know if I recieved phone calls from them as I never got a voicemail stating it was them but I got an email regarding it on XXXX  and I called them on XX/XX/XXXX. Once in communications with my mom who was my cosigner in the original loan, they told her she needed to pay for it when she said she needed time and couldnt afford it they told her shes basically denying to pay when it is something she can not afford as well as asking her for her work information while already in contact with her and having it on file, after their phone call I decided to call them myself and I RECORDED THE ENTIRE CONVERSATION. My phonecall went downhill extremly qickly, I told them I couldnt afford to pay more than {$20.00} maybe {$50.00} a month and after being told we are here to help you I was told they wouldnt accept that on a XXXX XXXX I reitirated that I can pay that little monthly and if me making those monthly payments would be okay and then asked if i had family or friends to help me. proceeded to then tell me to ask my boyfriend for money and when i said if that was normal she told me yeah.Basically called me XXXX 'you got the education '' and At the end of the coversation she told me I had 48hrs to figure it out and I asked what happens if I cant and wouldnt tell me what.
Product: Student loan

I filed a chapter  XXXX . It was discharged. I sent paperwork to Navient showing the discharge. They put my loans back in repayment mode. I had to ask for a forbearance. They have improperly directed me into the forbearance. I was not properly informed of deadlines.
Product: Student loan

The servicer refuses to give information regarding the class action lawsuit against XXXX XXXX for XXXX colleges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX & XX/XX/2022. 
I am unaware of this and did not approve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a public record item that is on my credit report with XXXX, LexisNexis, and XXXX. XXXX has removed the item, but these 3 have said they verified it with the Bankruptcy court. I have and have presented the letter from the Bankruptcy court that indicates that they do not verify this information with 3rd parties. I have disputed the item at least 3 times and have been getting the same results. At this time I'm not only filing a complaint with you, but I'm also looking into going to court due to the fact this reporting has delayed a mortgage loan I'm currently trying to get.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear DEPTEDXXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with DEPTEDXXXX and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transfer Error : My account was transferred in XX/XX/XXXX, and during this time, payments may not have been properly accounted for due to delays in processing the transfer. This should not have resulted in late payments being recorded. 
Payment Processing Delays : Any delays in payment during this time were a result of systemic issues during the account transfer, not negligence on my part. All payments had been initiated within the required time frame, as evidenced by my payment history prior to this period. 
Dispute Already Filed : I had previously raised a dispute regarding this issue, which was noted as resolved by the credit bureaus. Despite this, the incorrect information remains on my TransUnion report, further suggesting an error in the final reporting. 


I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 


Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Transaction Hash / receipt XXXX Sent to my own coinbase account at : XXXX The network was scanned and confirmed that it's valid but once transaction was completed and confirmed the funds remain in a limbo. 

I tried XXXX XXXX, which states the recovery supports the network XXXX and XXXX XXXX  XXXX, but declined my attempts to recover.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the account listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the account below from my file XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX This account is listed as being 30 days late on XX/XX/XXXX & XX/XX/XXXX I have never been late on this account.
Product: Student loan

I have been XXXX for the last three years therefore i have had multiple student loans my concern and confusion is as to why my loans each semester are separated into multiple accounts if i 'm withdrawing a balance from the federal government for education why is n't it reported as on account in the process of pursuing my degree i'e had to take time off to work to manage bills and debt due to that happening is caused my loans to report as not deferred for a 12 month period causing my credit score to drop at least XXXX points because the student loans report as multiple balances instead of just XXXX as well as multiple late payments now i 'm unable to be approved for an fha loan for at least a year while i wait for my score to go back up what can be done to bundle the balance for student government loans?
Product: Credit card or prepaid card

From XX/XX/2021 to present, I have spoken with this credit card company to close this account. They keep giving me the run around, they keep accumulating fess on a card I have not made and transactions on. The keep giving me different excuses, we can not close because you have a balance or card is locked. 

I think they are doing this to keep adding fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has the incorrect spelling of my name and Late payments posted with XXXX XXXX XXXX XXXX XXXX reporting inquiries not made and late payments with XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Mortgage

Bank not responding the Demand for release of a lien on our property. 

At our request our Attorney XXXX XXXX at XXXX XXXX XXXX and XXXX had sent the PNC Bank several Demands for Reconveyance of the Lien PNC account number XXXX to PNC and to date we have received no response. 

The first Demand for XXXX was sent to PNC via certified mail, return receipt requested on XXXX XXXX, XXXX with a required response date of XXXX XXXX, XXXX. 

The second Demand for XXXX was sent to PNC via certified mail, return receipt requested on XXXX XXXX, XXXX with a required response date of XXXX XXXX, XXXX, again we received no response. 

I am an older person caring for a XXXX wife and PNC 's lack of response has caused us significant economic and emotional distress. I would ask the CFPB to assist us in having this matter addressed and the Lien released per our Attorney 's demand.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my wife and I sent paper request to all three credit bureaus for our annual free credit reports. On XX/XX/XXXX XXXX complied and sent our reports. We sent second request on XX/XX/XXXX and as of today no response for Equifax and XXXX XXXX. In XXXX we had the same issue with only Equifax and had to file a complaint to get our free report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax / XXXX / XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. I believe it was reporting in error.
Product: Credit reporting or other personal consumer reports

Unidentified inquiries where discovered when credit was pulled, thats insane that someone running my credit consistently back to back like that 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( 1 ) ( A ) and XXXX ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$45000.00} XXXX  XXXX XXXX XXXX Balance : {$32000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$45000.00} XXXX XXXX XXXX Balance : {$67000.00} XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

On XX/XX/year> - I saw a collections account from " Columbia debt recovery dba genesis '' drop my credit score XXXX XXXX  ( XXXX  ). In the past I submitted a dispute and that dispute was completed and each credit agency removed the collection from my account based on the facts and documents presented. Now the same company has returned to submit the same collection to my credit in an attempt to collect a debt that is not owed. I called in on XX/XX/year> to speak with XXXX the same rep who I dealt with previously on the matter and was told this collection was from rent and utilities in which were never paid and they gave me a credit on the account of about $ XXXX which is also not true based on this being removed from my credit so they had no choice but to remove it. On the invoice I have attached here for this complaint you can see I paid rent on the same month I left in which prompted a credit on my account. To add the rep let me know after requesting XXXX again once he was done to call back at XXXX XXXX  in which I did so twice and was unable to get anyone to transfer me to him or given the answer of " he is unavailable ''. I have filed a dispute with XXXX on this matter, and am contacting XXXX and XXXX as well so they are aware.
Product: Vehicle loan or lease

Finance Company lost interest to a vehicle that was stored in a body shop for damage that occurred through a tow truck company. Body shop wanted an excessive amount that was not afforded by myself or the finance company. Finance company  agreed to release interest in vehicle and release any liability or responsibility I had on vehicle. To this date there is a balance on my credit report and it is documented as a reposession. 

I would like this information corrected on my credit report per the agreement we had.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 I applied for housing through XXXX XXXX XXXX  and they instructed me to pay a fee to get a background check completed through Safe Rent Solutions ( Core Logic ). I submitted my fee and consent and within minutes, the agent called me stating that I was denied and will receive an Adverse Action letter. He did not give me a reason and stated that even though they use this companies scoring model, they are not aware of what logic or algorithim they use and they determine who they decide to rent to. I am constantly monitoring my own credit and have perfect rental history, fair credit and a great background. The letter does not provide any information or scoring model on how my denial was determined. Safe Rent Solutions has several complaints and lawsuits pending for reporting inaccurate information and causing renters to be denied fair housing. I do feel that XXXX XXXX XXXX and Safe Rent Solutions are running some sort of scheme and are getting these fees paid and denying numerous actions without proper explanation or factual or accurate reporting.
Product: Credit card or prepaid card

On XX/XX/2023, I turned on my TV and opened up my XXXX streaming app on I was instructed to sign up or log in by my computer and when I clicked log in I was given a code to put in. When I put in the code I was notified thatI would be helped by a XXXX agent to fix my problem. I being an older person believed I was being helped by an acutal contract agent of XXXX I allowed them access to my computer to fix my probem. Then I was coerced to accept a plan that doesn't exist. After I thought about what had transpired I contacted XXXX and they had no knowledge of any company called XXXX. I immediately contacted Paypal about the issue to file a complaint and was told by correspondance that my complaint wasn't unathorized.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Experian Credit Bureau Subject : Request Regarding Late Payment Reporting and Account Closure Dear Sir/Madam, I am writing to formally address an urgent matter regarding my account with XXXX XXXX XXXX XXXX , with a balance of {$4100.00}, and its reporting to Experian Credit Bureau . 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), it is required that all creditors report accurate information regarding consumer accounts. As such, if I have met all necessary obligations and have formally requested the closure of my account, it should not be reported as late. 

I have fulfilled all requirements per federal law and have actively sought to close this account. If for any reason the account can not be closed as per my request, I assert that it should not reflect any late payments on my credit report, as my compliance with regulations should protect me from negative reporting due to circumstances surrounding the accounts closure. 

I request confirmation that my account will be closed as requested or, alternatively, that you will cease reporting any late payments associated with this account. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Prepaid card

I received a American Express gift card with {$25.00} however the card had {$0.00} balance. I contacted AEGC and filed a Dispute XXXX and customer service said they will file a claim on my behalf. Low and behold they never filed and just sent me documents to sign XX/XX/year> and told me that it will take another 45-90days. AEGC lied to me and trying not to refund me the money someone else fraudulenty used.