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

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this tem is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please delete this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is charging me excess interest when My state XXXX XXXX XXXX is 8 % and also XXXX XXXX is reporting inaccurate late payments on my consumer report. Company also has harassed me with collection attempts which I am requesting them the cease and desist all activities and collection activities until alleged debt is properly validated pursuant to 12 CFR 1006.34c. XXXX XXXX XXXX ( Account # XXXX ) I have sent notice which confirmation tracking was received on XX/XX/2024 other dispute sent XXXX XXXX but have not received a rebuttal nor update to my consumer report. Company has violated my consumer rights and I am seeking legal remedies. 
also company has denied me numerous times for multiple products and has not had permissible purpose to access my consumer report
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft following the XXXX XXXX BREACH. My personal information has been compromised in this breach. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the XXXX credit reporting agency, block information appearing in my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate and false information consists of an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXhese accounts have resulted several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report Ive attached my FTC Identity Theft Affidavit, # XXXX Social Security Card, Current Address, Drivers license, Police Report, etc The aforementioned accounts housed by you were a result of identity theft and fraud from your data breach.
Product: Debt collection

Unknown item which I have disputed, requested validation and received nothing and this unknown item is still listed on my personal credit file which is unknown and I do not owe any medical debt. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE CONTACTED EQUIFAX VARIOUS AMOUNT OF TIMES TO HAVE ITEMS REMOVED FOR INACCURACIES. THAT HAVE YET TO ADDRESS THE DIRECTLY AS THEY HAVE BEEN PUTTING THEM OFF. I HAVE SENT ALL OF THE ITEMS THEY REQUESTED BEFORE AND STILL WILLFULLY NEGLECT TO ADDRESS OR CORRECT THE WRONG INFORMATION THE CONTINUES TO STAY ON MY CREDIT REPORT. i AM ALSO A VICTIM OF IDENTITY THEFT AND ADDRESS THIS ISSUE WITH LAW ENFORCEMENT AND HAVE OBTAIN A POLICE REPORT WHICH I HAVE INCLUDED IN THE DOCUMENTS ALSO. I REQUEST THAT EQUIFAX PROVIDE ME PROOF THAT THEY ADDRESSED MY CONCERNS THOUGH UGLY AND REQUESTING A METHOD OF VERIFICATION OF ALL THE ITEMS ADDRESSED. I REQUEST ALL THE WRONG INFORMATION BE REMOVED AS I HAVE SUBMITTED TO THE CRA ALSO.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account No. XXXX out of XXXX XXXX, Tx submitted a delinquent account on my behalf, XX/XX/XXXX. I did not apply for credit with XXXX bank and they list an address of XXXX XXXX XXXX XXXX, XXXX, Fla.XXXX. I have NEVER lived in XXXX. This account is not MINE. 
I wrote a letter to Experian, disputing the report. I sent them copies of my bills at my present address, which I have lived at since XX/XX/XXXX, and proof of my previous address for 27 years prior to that. I sent a copy of my Ms. drivers license, copies of my cable bill, copies of the security system, copies of my power bills, etc, proving that I live at XXXX XXXX XXXX XXXX, XXXX, Ms . 
I mailed all of this on XX/XX/XXXX, signature required. I received Experian 's reply today XX/XX/XXXX, stating it would remain on my credit report. 
Can you help me. 
Thank you
Product: Credit reporting

This is in reference to XXXX Account # XXXX that was recently charged off due to late payments. My grandmother was XXXX, her name is XXXX XXXX - due to her illness, I had not choice but to quit my job and take care of her. I am back on my feet now, I settled all my debt, but unfortunately I did it on bad terms that are now haunting my credit history. Please help me remove the derogatory items from my credit report as was promised to me by the representative from the charge off company that took my payment and promised that my credit will now be fixed and the derogatory item should no longer show up as late. I am a young professional, and it 's very difficult for me to get a job or one day get a house because everyone is looking at credit reports these days.
Product: Checking or savings account

A court order for a debt to be collected was taken to my bank and the funds were taken from my account. The court order was not for me, they had the incorrect DOB, and different last names, we live in different states. Wells Fargo authorized the amount to come out of my bank account and charged a banking fee. When I contacted Wells Fargo they told me because the check had been cashed by the collection agency they couldn't do anything for me. I am in contact with the debt collection agency, now their lawyers are involved.
Product: Student loan

My Loan is with Navient. I have XXXX loans totaling $ XXXX which were opened in XXXX. I did not get to finish school or graduate. I have been a single mother all these years and not gotten child support regularly so could not afford payments. Deferrments ran out. I Was not aware that I had an IBR back in XXXX because the repayment amount was {$0.00}. I have applied and been approved for a new IBR which began XXXX for {$31.00} and that I have paid. I have called customer service twice because the still have a past due amount showing which they are adding late fees and not showing anywhere that i have the IBR. My call on XXXX/XXXX/XXXX I was told if I enroll in auto pay, that they would erase the past due status and only take out {$31.00} on the XXXX of every month. Today I get XXXX emails saying different crazy things so I checked on my account online and they show that they will be taking {$150.00} out of my account with auto pay on XXXX/XXXX/XXXX!!! I calle dand spoke to a customer service agent and she just talked over me at first then researched why they changed the payment amount. She came back on the line and said that my account online will show that they are taking out {$150.00}, but not to worry they will only be taking out the {$31.00}. I have tried to call and work with them since XXXX of XXXX and they will say one thing one day and something different the next. I have documentation that they approved the IBR and the amount. But they will not reflect it on my account anywhere. The customer service agents do not speak very good XXXX and they are rude, nobody wants to help you. How can they cheat people who are really struggling and trying to make good on their debt. I make {$13.00} per hour and that is what I live on as a single mom. Please help in some way.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Incorrect Reporting of XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau , I am writing to file a complaint against XXXX  regarding the inaccurate reporting of account XXXX XXXXXXXX on my credit report. The account is currently listed as " Charged Off, '' which is incorrect and negatively impacting my credit score. 

According to the account information, the account was opened on XX/XX/XXXX, and closed. While the status is listed as " Charge-off '' with a status date of XX/XX/XXXX, the payment history does not reflect any activity that would lead to a legitimate charge-off. Specifically : Lack of Delinquency : The payment history shows only two instances of being 30 days late, in XXXX XXXX XXXXXX/XX/XXXX. There is no evidence of the extended period of delinquency ( typically 120-180 days ) required before an account is charged off. 

No Consistent Late Payments : Outside of those two months, the payment history indicates the account was generally paid on time. 

I contend that the " Charged Off '' status is inaccurate and unsubstantiated by the account 's payment history. I request that the CFPB investigate this matter and compel XXXX to : Provide documentation to support the " Charged Off '' status, including dates of delinquency and the date the charge-off was applied. 

Correct the inaccurate reporting on my credit report by removing the " Charged Off '' status. 

I have attached a copy of my account statement as evidence to support my claim. 

Thank you for your time and attention to this matter. I look forward to your prompt resolution of this complaint.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX # XXXX XX/XX/XXXX -- {$280.00} XXXX # XXXX XX/XX/XXXX -- {$120.00} XXXX # XXXX XX/XX/XXXX -- {$980.00} XXXX # XXXX XX/XX/XXXX -- {$520.00} XXXX # XXXX XX/XX/XXXX -- {$1500.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$2900.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$520.00} XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax no longer has my credit profile on their website when I log in to my account on equifax.com theres no credit summary for me and no credit score listed aswell literally zero information also when I login to my account on XXXX XXXX my equifax credit score hasnt been updated in two months and when I log in to XXXX to check my equifax report theres a message that reads Sorry, we can't show you today 's 3- bureau report. This might mean that Equifax has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. 

I called to speak to someone at equifax about why my credit report hasnt been updated in two months and why theres no credit summary for me on their site and they said they can mail me my credit report which is fine but that doesnt fix the online issue Im having I need them to fix this so I can get regular updates on of my credit report on their website
Product: Credit reporting, credit repair services, or other personal consumer reports

CLAIM DISPUTE REPORTED BY BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Claim : XXXX   Loss Date : XX/XX/XXXX Loss Cause : WIND  Paid Amount : {$1700.00} Action : We did not get paid for this amount but XXXX XXXX XXXX Claim : XXXX  Loss Date : XX/XX/XXXX Loss Cause : MOLD Paid Amount : {$250.00} Action : We did not get paid for this amount but XXXX  XXXX  XXXX The report from XXXX ( XXXX ) shows that as if we got paid for these amounts, which causes us a " DENIAL '' of home insurance coverage with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from Transunion. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The account status, date opened, high credit, credit limit, last reported, date last active and date of last payment are NOT 100 % accurate. 

See pages 22, 23, 26, 27 of the attached credit report as evidence. 

XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). 

I attached a consumer report as evidence.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agencies Subject : Request for Deletion of Unverified Account Due to XXXX XXXX Dear Credit Reporting Agencies, I am writing to formally request the removal of a Portfolio Recovery collection account with a {$620.00} balance from my credit report. I disputed this account with XXXX, and after their investigation was completed on XX/XX/year>, the account was deleted from my XXXXXXXX XXXX XXXX. This deletion confirms that the account is unverifiable, and your agency is now legally required to take similar action in accordance with the Fair Credit Reporting Act ( FCRA ). 

Under FCRA 611 ( a ) ( 1 ) ( A ), credit reporting agencies must report only accurate, complete, and verifiable information. Since XXXX has determined that this account can not be verified and removed it from my credit file, your agency must comply with the same requirement to ensure accurate reporting. 

Furthermore, FCRA 609 and 611 state that if disputed information can not be verified within 30 days, it must be removed from the consumers credit report. I respectfully request that you investigate and remove this unverifiable account from my credit file within the legally mandated 30-day timeframe.

Failure to comply with this request may result in legal action. FCRA 616 and 617 grant consumers the right to seek damages and take legal action against credit reporting agencies that fail to uphold their obligations under federal law. Should your agency continue to report unverifiable information, it may face liability for damages caused by inaccurate reporting. 

I have attached a copy of my XXXXXXXX XXXX XXXX  confirming the deletion of this account for your review. Please provide written confirmation once the account has been removed from my credit report. If you choose not to delete the account, I request that you provide sufficient documentation verifying its accuracy. 

If this matter is not resolved within 30 days, I will escalate the issue by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring additional legal remedies. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to COVID-19 I have been in a fiscal channel. I have been doing what I can to improve my credit with the objective that I can move toward more resources. I am experiencing uncommon difficulty arriving at TransUnion and endeavoring to address certain information on my credit report. TransUnion has very poor correspondence, I didn't get any updates, nor are they supporting the information I am challenging. Due to the negligence of the credit bureaus I have not had the option to push ahead to quiet a part of the budgetary weight I've endured during the ongoing months. I sent correspondence on XX/XX/2020 and XX/XX/2020. I sent the letters that are joined underneath and gotten no reaction. I need to have these issues examined and settled as fast as could be expected under the circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX pulled my credit more than one time resulting in two hard hits to my credit report. I would like them removed as so when I apply for a mortgage I will be approved. It seems like they pulled twice when I told them I had a XXXX already and I have a better score now, but they did not understand that they did not pre approve me but still tried to pull my credit score to " see '' if they could do anything, I said no, I know what my credit score is and I have to find a lender to give me a pre-approval letter for a mortgage.
Product: Debt collection

Re : Dispute of Debt Account # XXXX To Whom It May Concern, I am writing to dispute the validity of the medical debt referenced by account # XXXX, which National Recovery has recently attempted to collect. This debt has been sold and resold multiple times over the last six years, and I have previously disputed it with other collection agencies. I maintain that this debt is not mine. 

Please be advised of the following points : This is not my debt, and I have repeatedly disputed it with previous debt collection agencies. 
The continuous selling and reselling of this debt raises concerns about its accuracy and legitimacy. I believe that this debt has been improperly handled and should have been resolved long ago. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I request that National Recovery cease all collection activities and provide me with written documentation that proves I am legally obligated to pay this debt, including the following : The name of the original creditor. 
A detailed explanation of the debt, including the original amount and any fees or interest added. 
Proof of assignment or sale of the debt to National Recovery. 
If you are unable to provide sufficient proof of the validity of this debt, I request that you immediately stop any further collection efforts and remove this account from any credit reporting agencies to which it has been reported. Failure to do so may result in me taking further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney Generals office. 

Please treat this as a formal dispute of the debt, and respond to my request in writing within 30 days. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

In 2017, I was the victim of a robbery in my house and I reported the theft of all material belongings ( television, computers, jewelry, money, among other things ) to the police and notified the theft of my credit and debit cards. However, accounts payable appeared and others went into collection and do not disappear from my credit report. The case was even taken to court and each time the judge ruled in my favor. because it is clearly evident that the credit cards were not in my possession at the time of the consumption. However, this history has not been removed from my credit report and they appear as closed accounts but with a debit amount. despite the fact that I sent them proof that none of those cards were in my possession at the time of the consumption, which also took place in different parts of the country on the same day.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : I made the required payment on time, as reflected by my bank statement. I have attached a copy of my bank statement, showing the payment was made before the due date, yet it was incorrectly marked late.

No Late Payment Notice : I never received a notification or statement indicating a late payment or any penalty associated with a late fee. This suggests that the payment was not considered late by the creditor at the time.

Processing Delay on Creditors End : The payment delay resulted from a processing error on the creditor 's end, which should not reflect poorly on my credit history. The payment was processed late through no fault of my own. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Credit card

I transferred a balance that is supposed to be interest free for 15 months, I believe. I also make purchases with the same card I have the transfer balance on. Although I pay my purchase total in full each cycle, I am still being charged interest, when the only balance that is left is my transfer balance. When I called to ask how this can be, it was explained to me that basically my purchases made after I transferred my balance over falls behind the transfer balance amount, so in essence I will never pay off my " purchases '' until I pay off the transfer balance ( which is a substantial amount ), since payments are applied to the oldest transaction first. By them doing it this way, I will forever be charged interest on my " purchase '' totals until the full balance is paid. I have since stopped using that card for purchases, realizing the interest is just going to grow, but this seems very unethical to me. Seems like my purchase balance and transfer balance should be kept separate and payments should be applied to purchases first, since that is where interest currently accrues. Is this ethical?