23daVinci/CFPB_Complaints huggingface dataset:
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 items 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. The remaining items are listed below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7700.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

I receive calls from this company almost every day, day and night to the point of harassment. The calls are on both my work and mobile number and have I repeatedly asked not to be called. I was told they will harass my family members until the debt is paid. I was called " XXXX face '' and " XXXX '' by two of their agents. Told a XXXX year old should be embarrassed about having a debt like this. I really do n't know what the debt is and have asked for information in writing which has not been forthcoming. Some of the people who have called are ; XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and there are others who do not give names.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX Company Inquiries : US SM BUS ADMIN XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am writing to highlight issues faced during MOHELA 's transition to a new portal, which prevents borrowers from making payments during the blackout period. Unlike my recent experience with my mortgage being transitioned to XXXX XXXX transitions did not halt payments, MOHELA 's approach not only blocks payment submissions but also continues to accrue interest, disadvantaging those of us trying to make additional payments. 

I request your intervention to encourage practices allowing payments during such transitions or to prevent interest accrual in blackout periods, aligning with borrower-friendly standards seen in other loan servicing transitions.
Product: Credit card

Bank of America is not letting me use my credit card, by constantly blocking purchases. I have submitted a complaint earlier and I was contacted my a Bank of America representative who told me that I could call support to use my card. But, the solution that I was given does not work. My transactions are still being declined. When I call support, I am told that I'm supposed to be receiving alerts, which is the opposite of what the other representative told me. Sometimes I spend hours with many different support agents who all tell me different things, but none of them will help me make my purchases go through.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Account XXXX has violated my rights under 15 USC 1681 and USC 1666B . 

15 USC1681 Section 602 States I have a right to privacy. 

15USC1681 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT furnish an account without my written consent. 

15 U.S Code 1681a - Definitions ; rules of construction - Exclusions. - Except as provided in paragraph to the term " consumer report containing information solely as a transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open-end credit plan as late for purpose.
Product: Student loan

I have contacted the Minnesota office of higher education multiple times informing them that the {$1200.00} debt is not mine. I have repeatedly asked them for proof of my responsibility for the debt. Recently as soon as XX/XX/2023. I have never received any information of where I signed requesting a loan from the state of Minnesota for educational purposes.
Product: Credit reporting or other personal consumer reports

i reviewed a copy of my credit report and i notice a few accounts that i didnt apply for can you please look into this matter please
Product: Debt collection

Good Afternoon & Happy Thursday! Listen, I was actually shocked when I reviewed my credit report & I found 2 medical collection accounts listed there from Commonwealth Financial Services or originally from XXXX XXXX. This is surprising to me because I never received any information in the mail or to give me the right to dispute the alleged debts before it was placed on my credit report. I called the company directly to resolve the issue and the Reps even mentioned that they don't even have my XXXX or other personal information pertained on my file. After several hours of going back and forth, as I don't want to waste any more time because I'm in the process of buying a house, i offer them to just pay both of them off and they agreed that they will be deleted before the XXXX of this month XXXX XX/XX/XXXX ). Please see the attachments for verification. Why they never sent me paperwork on this before so the consumer can dispute them? Isn't that my right? What type of information these hospitals are given to this third-party company about my healthcare report? Isn't this HIPPA violation?
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report back in XXXX, I noticed items on my credit report that did not belong to me. I called the creditors and credit bureaus directly to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls prior to pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have been in communication with the debt collection agency Diversified Consultants advising them that the debt they're saying is mine DOES NOT BELONG TO ME. I have never had a contract with Diversified Consultants- I am not liable for the collection of the debt from XXXX XXXX XXXX as this debt is not mine. I have been disputing this inaccurate information since I first found out about this fraudulent information and they have not removed this information from my credit file, nor have they understood that this debt does not belong to me. This has hurt me severely in regards to obtaining credit. Diversified Consultants states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX XXXX XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). Diversified Consultants has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.
Product: Bank account or service

I had charges processing on XXXX/XXXX/15 which would have put me in overdraft. At XXXX on XXXX/XXXX/15 my SS check was deposited ( processing ), none of the charges had been posted, they were still processing. Today XXXX the charges showed up as cleared on XXXX/XXXX/15 which also charged a XXXX overdraft fee. That transaction showed up as still processing at XXXX on XXXX/XXXX/15. Also at XXXX it showed my SS deposit as XXXX then all the charges. I believe that Bank of America is manipulating deposits again to get overdraft fees. I can not print my on line acct to prove that. I have received in the past refunds from BOA manipulating overdraft fees. I 'm tired of this!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting deleted information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX XXXX XXXX XXXX Balance : {$670.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax stored my sensitive information without my permission, then allowed my information, as well as millions of others, to be accessed by individuals who had no reason to have access to said information. This all happened at the end of XXXX, and they did n't notify those impacted for over a month. Then, to check whether I was impacted by the company that gave my information away, they required a sign away of my right to participate in a lawsuit.
Product: Credit card or prepaid card

My Prosper XXXX XXXX account should have a XXXX balance and never have been reported late. On XX/XX/2022 I made an online purchase from ( XXXX XXXX  in the amount of {$390.00} for access to their XXXX XXXX XXXX. The system did not work as advertised or at all for that matter. The merchants website offered a XXXX  day money back guarantee. So, I emailed the merchant for my money back since the system I paid for obviously didn't work. After XXXX emails the merchant finally responded and admitted that the system did not work. Supposedly, they were having technical difficulties. However, the merchant never addressed my refund nor did the merchant issue me a refund ( please see attached email ( XXXX XXXX XXXXXXXX ). I immediately call Prosper Master card to inform them that I needed to charge back on an item that I did not receive, that was purchased on the account ending in XXXX. The dispute was filed, Prosper closed the account ending in XXXX, and stated they were sending me a new credit card. 30 days later the credit card issuer sent a letter via XXXX stating that they had ruled in my favor and that the {$390.00} charge has been removed. To my surprise I get my XXXX statement on a totally new Prosper Credit Card ending in XXXX and there is a change of {$390.00}, a credit for {$390.00} on XX/XX/2022 ( remember this is my XXXX statement ), and another charge as of XX/XX/2022 from the merchant that is in dispute. This should not have even been possible, because at this point neither me nor the merchant had the new credit card number that Prosper XXXX card had issued me. The XXXX was still in the mail via usps and I had not physically obtained the new card yet. I again called Prosper XXXX multiple times to fix this and spoke with several customer service agents who all said they would fix the problem. No one ever did. I also sent an email, which they confirmed they received. Please see attached ( Prosper XXXX XXXX ). I spoke to a customer service supervisor in XXXX by the name of XXXX XXXX # XXXX, she assured me it would be rectified and it wasn't. I then started receiving collections calls. In XXXX I received a collections call from XXXX XXXX # XXXX she admitted that she could see that Prosper XXXX messed up. She stated she would have her supervisor correct it and that she apologized. It was never corrected and now the account has charged off and it is ruining my credit.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

" Delinquent Payment You missed XXXX XXXX XXXX XXXX payments since XX/XX/2022 '' Incorrect. 
There was a period where I missed payments, approx. 14-15 months ( Transunion took points the entire time ), but started paying my acct again and have done so for approx. the past 9 months and haven't missed any payments since ( I have proof ). 
I'd also greatly appreciate professionalism from whomever deals with this, you do not own transunion, you only work for them... .so let 's not take my complaint " personal ''!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. It has been over 30 days and they have yet to verify these accounts. According to Section 611 ( 5 ) ( A ) of the FCRA, they are required to Promptly delete all information which can not be verified that I have disputed. This includes a list of inquiries that i also did not consent too. Please resolve this manner as soon as possible. Thanks.
Product: Credit reporting or other personal consumer reports

I am writing to complain to TRANSUNION about the reported unauthorized inquiries and the inaccurate account on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

On XX/XX/XXXX I sent out a validation letter requesting validation of debt. In the letter I asked XXXX Care Credit ( XXXX XXXX ) to validate debts by providing me with 1. agreement with creditor that authorizes collection on debt 2. agreement bearing my signature stating I agree to assume debt 3. valid copies of debt agreement stating amount and of debt and interest charges 4. proof that the statute of limitations has not expired & 1. complete payment history along with an accounting of all additional charges 2. proof they are licensed to collect in my state 3. license numbers and registered agent 4. cease any credit bureau reporting until the debt has been validated by me. 

As of XX/XX/XXXX I have not received a letter in response to the validation request however on XX/XX/XXXX the collection was updated to the Credit Bureaus
Product: Student loan

Without explanation, notice, or legal authority, XXXX XXXX is now refusing to process electronic payments. This is an illegal and transparent attempt to unlawfully accrue additional interest payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and others checked my cedit
Product: Debt collection

XXXX sells wrist watches online.It advertises on TV nationwide.XXXX XXXX owns XXXX.Some time in XX/XX/2017 and a few times thereafter, I purchased cheap wrist watches from XXXX for approximately {$200.00} ( XXXX XXXX dollars ) on an installment basis with no interest. I authorized XXXX to draw money from my checking account as the installment payment falls due. After a few weeks I noticed that XXXX was not applying the money it was collecting from my bank account. I called XXXX about it and I even faxed three times copies of my bank statement showing the money it collected.I also sent a certified mail with return receipt to XXXX XXXX with the copies of my said bank statement. They just ignored or disregarded my faxed messages and letter. They kept calling and emailing me. They also referred me to a collection agency who threatened to have judgment against me. Without coordinating their collection, efforts, XXXX and XXXX XXXX kept sending separate bills with late fees, high interest and different amounts without including the amounts collected from my checking account. XXXX XXXX   reported to the three credit bureaus that my account is delinquent. I filed a complaint with BBB and BBB said they have not responded.
Product: Debt collection

I have a police report as my identity was stolen in XXXX and I was affected by the XXXX XXXX data breach. I have residential leases ( SENTRY CREDIT INCXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX ), evictions in XXXX XXXXXXXX XXXX XXXX credit cards , personal loans, and addresses on my credit report that do not belong to me and were made without my consent. I have collections and debt from XXXX - XXXX from this identify theft situation. I also have a FTC report stating a more detailed version of this incident. I have contacted the agencies involved and disputed items on all 3 main bureaus. Some of the accounts are joint and I know for a fact that they are not involved because their identify was also stolen as well with mine. I do not know the person that broke into my vehicle to gain access to our personal information as several people were affected ( they broke into several cars in the area ) and also my emails, social security number, and personal information were affected and compromised by data breach. Our security cards, driver 's license, my passport, mail, purse, wallet, and personal devices were all stolen in the break in.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal request to you for the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned accounts are inaccurate and does not reflect the current status of the accounst. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$5900.00} ; XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX Balance : {$7600.00} ; XXXX XXXX  XXXX Balance : {$4300.00} ; XXXX XXXX XXXXBalance : {$9200.00} ; XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance XXXX {$5900.00} ; XXXX  XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX Balance : {$7600.00} ; XXXX XXXX  XXXX Balance : {$4300.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXX Balance : {$9200.00} ; XXXX XXXX  Balance : {$20000.00} ; XXXX XXXXXXXX Balance XXXX {$10000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX Balance : {$5900.00} XXXX XXXX  XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX Balance : {$7600.00} ; XXXX XXXX  XXXX Balance : {$4300.00} ; XXXX XXXX XXXX Balance : {$9200.00} ; XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXXXX/XX/XXXX XXXX
Product: Credit card

I opened the dispute XX/XX/XXXX for the second time for the below amount. 
Disputed Transaction Dispute case number : XXXX Transaction date : XX/XX/XXXX Merchant name : XXXX XXXX XXXX XXXX : {$1600.00} Temporary credit : {$1600.00} I provided several emails with proof of why the amount needs to be returned to me. 
I provided my proof on several dates- I emailed the company on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I called several times and texted the credit cards help desk. 
XX/XX/XXXX - I was unable to reach anyone in the dispute department. 
XX/XX/XXXX XX/XX/XXXX I also disputed the amount below for the same reasons above. The credit card company has not resolved this in a timely manner. They applied the disputed interest and credit to my balance until the issue is resolved but I am unable to use the applied credit. Its discrimination. 

Disputed Transaction Dispute case number : XXXX Transaction date : XX/XX/XXXX Merchant name : XXXX XXXX XXXX XXXX : {$1400.00} Temporary credit : {$1400.00} Apple support at Goldman Sachs has XXXX to resolve either dispute in a timely manner. I provided several emails of proof tans evidence to support my case.
Product: Student loan

I have made payments consistently for XXXX years. I submitted a payment by check only for them to say they didnt receive it. I then submitted a payment online and after they received it, they cashed my check. I called and was told I would be getting a refund only for them to send me a new bill saying it was past due. They now refuse to update my account or refund me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/20 I applied for forbearance with my mortgage company ( XXXX XXXX XXXX ) due to the impact of Covid 19. Under the " Cares Act, '' this was not supposed to impact my credit report negatively, which it has. My equifax score dropped over 70 points by them making there report.