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

My credit report is still showing that theres a missed payment during while I was on forbearance plan. I just spoke with Transunion and they said your research department has not submitted any documentation to correct and remove the negative reporting on my credit. My credit score is still affected and has decreased significantly, which is causing issues when Im trying to make purchases. Please see the attached Transunion credit report that is still showing the negative remark and missed payment for XXXX and XXXX. I spoke with a representative from your loss mitigation department last week and it was confirmed that all the payments during the forbearance plan should have been deferred to the end of the loan by now and I made a payment for this month in XXXX to get back on track and current. 

This has been going on for too long now and its becoming very stressful to deal with this issue. Can someone from this company please take some ownership of this problem and get it fixed. This is causing emotional, mental and financial issue in my life and its very upsetting. I have already filed a dispute with Transunion and I will be filing another complaint to the Consumer Financial Protection Bureau. 

Initial complaint submitted on XX/XX/2022 : I was instructed by the loss mitigation department to email the research department to investigate the status of my loan account. I received a letter on XX/XX/2022 for a payment deferral agreement, which indicates that XXXX payments will be deferred due to the XXXX hardship forbearance plan that I was approved for in XX/XX/2022. In this case, XXXX payments would cover the months of XXXX, XXXX, XXXX, XXXX and XXXX. However, my account was reported 90 days past due and showed up on my XXXX and XXXX credit report. Consumers that are in forbearance plan should not have any negative remarks or late charges/fees on their credit report, per the XXXX hardship forbearance plan guidelines. I have never missed a payment or had any negative remarks on my credit, so this really upsets me. My credit score has decreased significantly as a result of this reporting. 

I have attached a screenshot of my credit report from TransUnion and XXXX, as well as the payment deferral agreement letter and emails that I have sent to XXXX, for your reference to the investigation. I would also like to request that phone recordings from the conversations that I have had with multiple representatives from the loss mitigation department are reviewed to help with this investigation. 

As a result of this investigation, I expect to have this negative remark removed from my credit report and receive communication from your department through email, phone call or letter, confirming that this action was taken. This entire experience working with your company has been a nightmare and caused tremendous stress and hardship for me, both financially and emotionally. I have already filed a complaint to the Consumer Financial Protection Bureau and will proceed with legal action if the investigation is not corrected on my credit report.
Product: Payday loan

I had a payment schedule set up with checksmart. They kept presenting my check to the bank. Cost me numerous fees and now my account is overdrawn significantly. Called corporate office of checksmart. Reps were demanding, condescending and rude.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items there to be inaccurate.

Under the 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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 am seeking your assistance with an incorrect account appearing on my credit report. This issue is harming my reputation, and I need your support to resolve it. The bureau must update and remove the inaccurate reporting as it has been causing undue harm to my credit standing.
Product: Bank account or service

I open a check account for my XXXX daughter XXXX XXXX at bank of America at the time we open the account we made sure that it was not allowed for the account to over draft or allow any aver payments but the bank has charge my daughter over limit fees and over draw fees I contact the XXXX Bank of America but no help, I ca n't afford to pay those unarguably fees.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I recently began to check my credit reports when I discovered a collection account from CMRE alleging that I owe {$540.00}. I do not owe any debt to CMRE or any affiliate as I have never done business with them or entered any agreements. I immediately submitted a dispute request to the credit bureaus. CMRE continues to erroneously report that this illegitimate account was verified. I then submitted a validation request in accordance to all applicable federal and state laws. CMRE received my validation request on XXXX XXXX, 2015. CMRE sent me a letter dated XXXX XXXX, 2015 simply typing my name and an amount owed. CMRE has not responded to my validation request and has not removed this trade line from my credit reports as requested. My request was submitted via certified mail with proof of delivery. I then filed a complaint with the XXXX. CMRE responded with false statements suggesting that I acknowledged the account was validated and that they were unable to contact me because I requested to cease contact. Both of these statements are false and misleading. This company continues to add damages with their violations of collection and credit reporting laws.
Product: Debt collection

My complaint is in regards to a recent claim dated XX/XX/2017 regarding account # XXXX which Resurgent Capital Services aka LVNV Funding, LLC claims to have verified, and that I owe them in the amount of {$110.00}. I have requested validation of this debt from them which I do not owe because I have never signed any contract with this company. They continue to report this on my credit file which I have recently disputed with all three credit bureaus. Any assistance that your organization can provide would be highly appreciated. 

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

There have been fraudulent credit inquiries on my credit report that I don't recogize and have asked for them to be removed but the credit bureau ( EQUIFAX ) did not do as requested. These credit inquiries were done fraudulently and I did not authorize any of them so they should not appear on my credit report as it is leaving a negative effect on my credit score as a result. I am providing a copy of my identity theft report to this complaint for reference, as well as copy of my driver 's license and social security card for identification purposes. 

I spoke with a supervisor on XX/XX/XXXX that told me Equifax did not receive a copy of my FTC identity theft report although it was submitted through the CFPB portal on XX/XX/XXXX ( complaint # XXXX ). There's has been XXXX resolution.
Product: Debt collection

CMRE FINANCIAL SERVICES ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$430.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting

I have several items to dispute, however the major one has been that one entity ( XXXX XXXX ) was not my bank, it was my husband 's and he died XX/XX/XXXX. Just recently, after a bankruptcy XX/XX/XXXX, I have been trying to reestablish my credit by getting a secured or other type of credit card and have been turned down for the reason the I am supposed to be " deceased ''. I put in a dispute with Exquifax tio start, and they, on two occasions ask me for other documents which I send them both times ( the same documents ). After 1-2 months I get an email that they finished the investigation. the link they send me to for results is blank and somehow brings me back to the beginning of creating the dispute process. I know I 'm not dead. The IRS knows I 'm not dead. I would imagine that a dead person does not have a credit rating, which I apparently do. How in the world can I get this resolved and then move forth with the other disputes to correct my credit reports with all XXXX agencies that are now listing me as deceased?
Product: Credit reporting, credit repair services, or other personal consumer reports

this Account Number XXXX Account Type Installment LoanTermsXXXX Date Opened XXXX/XXXX/XXXX this account was XXXX and was never late XXXX/XXXX/XXXX please removed this late
Product: Checking or savings account

I received a mail from TD Bank of an account that was open that I have no knowledge about, I contacted them right away and was told that someone open this account in my name, they told me that they will take further action to prevent anything fraudulent on there end, and I will be getting emails from them in regard to this.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered several inaccuracies affecting my creditworthiness. I am requesting the credit bureaus to investigate and rectify these errors promptly. The account details requiring verification are : Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

On or about XX/XX/2023, I submitted a verbal detailed dispute to CHASE VISA claiming failure of XXXX XXXX to repair my girlfriend 's car AC system on XX/XX/2023 and charging me {$1200.00}. XXXX XXXX submitted only the invoice and did not respond to my allegations of " bait-and-switch '' of compenents and failure to answer our many attempts to contact them the day the system failed or any time after that, including in their responses to CHASE. CHASE XXXX did not agree with me and on XXXX XXXX, 2023 I sent CHASE XXXX a detailed letter with many exhibits showing costs incurred and the fraudulent placement of a re-manufactured AC compressor in the car instead of a new one which XXXX and I had agreed to. I also provided proof of XXXX ignoring our phone calls, messages, and emails as well as proof XXXX over-charged me for the re-manufactured compressor. The compressor installed failed 4 times. 
Incredibly, CHASE XXXX still did not support me so I provided CHASE XXXX with another letter on XXXX XXXX, 2023 detailing the VISA Core Rules and Visa Product and Service Rules ( Policy # XXXX, dated XX/XX/2023 ) and CHASE XXXX still will not support my claim for failed service and fraudulent behavior. And this time on XX/XX/XXXX, the CHASE XXXX person who called me to deny my claim had no knowledge of the complete record including all my costs to fully repair the AC system and rental car while the car was in the shop being repaired, XXXX 's refusal to talk or message with me, and denied the results of my previous XXXX conversations on XXXX XXXX and XXXX with other CHASE XXXX staffers including a Dispute Supervisor. When I asked for specific details of CHASE XXXX 's decision, this staffer hung up on me.
Product: Credit reporting or other personal consumer reports

I was checking my credit reports from Transunion and XXXX and it states that I was 30 days late and I was forgiven for XXXX and I paid XXXX early. This is a very bad problem because I am in a position I am trying to get a vehicle, etc. I have nobody to help me as I lost my employment, car and home. Please fix ASAP!!
Product: Debt collection

Supposedly I obtained a loan while working for XXXX XXXX XXXX which closed in XXXX ) and listed my XXXX as a reference for said loan despite my not knowing him until XXXX. I have attempted to contact the company via phone and email, the email was returned as not-deliverable and the phone goes directly to voicemail. I would like loan origination documents provided to me. I will attach the correspondence from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I applied for a mortgage. I was declined because my Transunion score was XXXX. A 186 point DROP that happened on XXXX. This change states on XXXX XXXX that it was due to me paying DOWN the balance on 3 credit cards, which is supposed to be good. It made my XXXX and XXXX scores both go up. Then on XXXX, my Transunion score went up 25 points due to me paying down the balance on 2 other cards. Transunion says scores are generated by computer. I told them there was a glitch of some kind because the only thing that happened between XXXX and XXXX was the decreased balance of the 3 cards. They should not be able to hide behind the fault of a computer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
XXXX XXXX XXXX, AZ XXXX XXXX  XXXX {$2800.00} XXXX  XXXX XXXX {$510.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX {$740.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX A XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$4700.00}.
Product: Credit reporting

Experian Credit Bureau has been and currently still is reporting erroneous information/dates and they refused to reinvestigate, update, and now delete the items after numerous attempts and disputes. I had a charge off from an old XXXX credit card that has since been deleted due to statute. I paid this debt in a settlements through XXXX in XXXX of XXXX ( should have been deleted in XXXX of XXXX ) and also present another old collection XXXX XXXX XXXX paid in XXXX XXXX ( scheduled to drop off XXXX in reality however Experian has added on an additional year and months to remove in XXXX!!! ) Experian is guilty of the following : 1. Reporting the last dates of delinquency erroneously/inadequately. 
2. Failing to update status to CLOSED XXXX XXXX XXXX. 
3. The original debt ( XXXX ) had been removed and XXXX XXXX should have been also. 
4. The statues have expired. ( NY 5 Years from 1st delinquency ) 5. The false information reported has caused an application denial for a {$25000.00} housing grant in XXXX. 
At this point, after exhausting all efforts to have them report the correct information, I will now pursue legal action against them. I have any and all proof of the above as requested.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by Equifax. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report.

Pursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity.

Immediate correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable. 

Written confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute. 

The FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that Equifax will handle this matter with due diligence and compliance with federal regulations. 

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information. 

If the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. 

The consumer must be informed of the results of the reinvestigation within the required timeframe. 

Failure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.
Product: Credit card

As I was paying for my shopping at Marshalls XX/XX/year> ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) the Cashier, asked ; 1 ) whether I had used my Rewards Points Card in the past two ( 2 ) years to which I said NO. 

2 ) Cashier insisted on getting me a NEW ONE for it earns me Cash Coupons after accumulating so many points. 

3 ) to that Rewards Points Card I accepted. 

4 ) once I got home, about 30 minutes later, upon reviewing my receipts, I discovered a Major Mistake, THE CASHIER HAD APPLIED FOR A REWARDS CREDIT CARD instead of Rewards Points Card. 

5 ) I promptly called the Listed phone number and a Gentleman apologized for the mistake and assured me of cancelling it WITHOUT ANY HARM to my Credit Rating. 

6 ) on XX/XX/year> I got a bizarre letter from a Synchrony Bank ( XXXXXXXX XXXXbased ) alleging you are questioning the VALIDITY of an inquiry made by Synchrony Bank. 

7 ) That is UTTERLY WRONG, for I called WITHIN 30 Minutes to CANCEL whatever was applied for me by Marshalls/TJ MAX . 

8 ) Synchrony Banks letter is absolutely FALSE, and CONTRADICTS the VERBAL assurance to REMOVE AND CANCEL the Application as a mistake by Marshalls Cashier, on XX/XX/year> 8 ) I had NO PRIOR KNOWLEDGE of any Inquiries or APPLICATIONS. 

9 ) Called Synchrony SEVERAL more times to correct Marshalls/TJ MAX mistake and always led me to believe that they understood and will correct it. 

10 ) But NO SUCH LUCK, for they are apparently more intent on SABOTAGING my Credit Rating then correcting this mistake. 

11 ) all the while I had been in contact with a Marshalls Manager ( XXXX XXXX who profusely apologized and URGED ME TO KEEP CALLING Synchrony Bank as they SHOULD UNDERSTAND THE MISTAKE MADE by Marshalls Cashier. 

12 ) Synchrony Bank, again, sent me the same letter on XX/XX/year> repeating ERRONEOUSLY AGAIN the same content contained in their XX/XX/year> letter. 

13 ) THUS, I RESPECTFULLY request that Synchrony Bank REMOVE forthwith the so-called INQUIRY of XX/XX/year> and its REMOVAL from all Credit Bureaus. 

Advance thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

My address on XXXX transunion and XXXX are wrong the also my employment info I never payed attention until now but my address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MO XXXX my employment is XXXX XXXX XXXX XXXX XXXX mo XXXX