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

I have disputed all of these unauthorized inquiries with all three credit bureaus. 

XXXX XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX  XX/XX/XXXX Oil And National Credit Cards XXXX XXXX XXXX   XX/XX/XXXX Finance
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas 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 dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

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that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.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, credit repair services, or other personal consumer reports

Hi I opened my account with Bank Of America credit card XX/XX/XXXX. I have 5 late payments still showing on my credit report and it's hurting my score. The account is paid in full and closed. The dates of late payments showing on my account are XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Mortgage

Nationstar Mortgage transferred our mortgage as of XXXX XXXX ( though the customer service agent reported it was as of XXXX XXXX ). On XXXX XXXX, I received a notice of preforclosure via certified mail from Nationstar dated XXXX XXXX.
Product: Credit card or prepaid card

Hello, my name is XXXX XXXX XXXX and I can not seem to fully use all of my credit cards full credit line of {$300.00} plus paid an extra {$25.00} extra and for some reason charged an extra {$10.00} fee out of know wear. My credit card company is Capital One and their phone number is as follows XXXX XXXX XXXX XXXX, and my credit card number is XXXX XXXX XXXX XXXX. Capital one employees stated that my credit card would be ready to use at XXXX XXXX and it was not. Is their some help for me my Social Security Number is as follows XXXX XXXX XXXX.
Product: Student loan

I am in private student loan default with Navient ( formerly XXXX XXXX ). These are loans taken in XX/XX/XXXX and XX/XX/XXXX. While I was pursuing a XXXX they were happy to keep deferring my loans. I did n't know what that meant for interest and now owe them more than XXXX the actual amount I borrowed ( current amount is now over XXXX and it grows larger each day ). They are demanding payments that are too large for me to make each month as XXXX ( {$1100.00} ) but wo n't work with me to set up reasonable plan and wo n't let me send a lesser amount to show good faith. They call in excess of XXXX times a day. When I talk to a rep I am insulted and threatened ( losing my XXXX, sheriff coming to my house to arrest me, asking if I enjoy collecting degrees and not paying my debt, asking why I 'd get a XXXX if I was just as XXXX, etc ). I know I owe them money, but are they allowed to call so often or to insult me and lie to me?
Product: Debt collection

On XXXX XXXX, 2015 XXXX XXXX from Warner Asset Location Services started calling my home number, my parents home and my husbands phone. He is looking for XXXX XXXX and he asked us to relay a message. I asked him on XXXX XXXX, 2015 to stop calling my number harassing me about someone else 's debt because I do n't relay messages. He called again on XXXX XXXX, 2015 and left another message about the same person 's debt. It is pure harassment at this point.
Product: Credit reporting

Equfax was a XXXX paid off XXXX on my file then score drop XXXX points WHY!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. I need those issues settled after this complaint. 
Here are the accounts that need updating : XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Balance : {$3300.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant XXXX to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

We took out a lease on a 2018  XXXX XXXX. The leasing company was extremely slow in providing us with any invoice or bill which contributed to the confusion. We purchased the vehicle inXX/XX/2018. A payment for the vehicle was made at the time of purchase. A subsequent payment was made in XXXX for the amount due. Another payment was to be made in XX/XX/2018 in which we were late. This payment was made on XX/XX/2018 as per the attached confirmation. This was several days before it would have been 30 days late ( XXXX ). In the leasing companies over zealous handling of this matter they now show us late on our credit reports. This was explained to them by phone, but their representative either did not understand it or did not care. We are attempting to avoid litigation but our patience is running out. We have attached the confirmation sent to my wife 's email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let one payment lapse in this past XX/XX/2018 on this account with XXXX XXXX/XXXX but when I was able I paid the account and brought it current. This was the following month, I paid for it and would like for them to update this account by deleting that one late payment. It's being reported to all three bureaus XXXX, XXXX, and XXXX. It is killing my chances of getting a home. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this account. I will attach a picture of my payment history that shows me missing that one payment and have been current ever since. And I would truly appreciate this and would be able to put my family in a better situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2020, I filed a dispute with Equifax credit bureau dispute department about the unverified accounts : XXXX XXXX account # XXXX and XXXX XXXX account # XXXX. In those2 Months I have asked numerous times for a response and I have not received anything in response from this bureau in over 45 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you
Product: Credit card

I called to have Self Lend correct information with the Credit Bureaus and they kept making excuses giving me the run around. I then requested for a satisfactory letter and they again kept making excuses to I demanded to speak to a manager and I was not transferred to a manager the rep came back to the phone stating she was going to send me a letter stating the balance was {$0.00} I said no, can I please get a satisfactory letter that states the balance was satisfied. The call got disconnected. I then saw a letter written by the rep stating as of the day I requested the letter the balance is {$0.00} but I paid off the balance since XXXX. I dont understand why they are giving me the run around to fix the account information with the bureau that the account was satisfied so that I was can stop showing in my report its past due! Im so frustrated because I reached out to Self Lend with no recourse at all from them. Please investigate and have then fix this. Thank you
Product: Mortgage

For the last three weeks I have tried to call Sun Trust now Truist to discuss options during these hard times. Each time I give up after being on hold for five hours plus. After reading all the comments on there XXXX page Ive come to realize that any one calling in for relief due to the Corona Virus is experiencing the exact same thing. The customers that have won the lottery and actually have been able to speak with someone are only given the option to put the loan in forbearance for three months and then have all three months of payments due immediately. I understand that there a business so free to do what they want but when they flaunt on there website how there donating XXXX XXXX to help with the Corona Virus but unwilling to help there millions of customers thats just plain XXXX and a PR stunt to look good!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally reached out to all three credit reporting agencies requesting that the attached letter listing student loans differently to be deleted however I received correspondence from XXXX and transunion informing information has been updated. due to given loans regarding reporting that uif not reported on all three credit reporting agencies, given account should be deleted
Product: Credit reporting or other personal consumer reports

One Bank to address the issue : Subject : Urgent Request for Correction of Payment Reporting Dear XXXX XXXX XXXX  Customer Service Team, I am writing to bring to your attention an issue regarding the delayed reporting of my payment for my XXXX XXXX XXXX  credit card account. My payment of {$200.00} was made on XX/XX/year> and XX/XX/year> ], but it has not been reported to the credit bureaus in a timely manner. 

As a result of this error, my XXXX XXXX for XXXX has dropped by XXXX, my XXXX by XXXX point my experian by XXXX points, which has had a significant negative impact on my financial stability and livelihood. Accurate credit reporting is critical for maintaining my financial health, and I kindly request your immediate attention to this matter. 

To assist with resolving this issue, I have attached the following documents : Proof of payment ( e.g., bank statement or payment confirmation ).
Product: Credit reporting or other personal consumer reports

Experian is designed to destroy the XXXX community. As soon as you get your credit in order, they allow the company to start looking at your credit without permission ; add companies ; when you pay off a debt, they will not give you points, but when you are late, they will take off XXXX points. I have the right to who and what credit company I want holding my information, and Experian is not one of them I no longer trust. I paid off two student loan accounts, a total amount of XXXX, no points, but my mortgage company reported me late, XXXX points gone. I disputed this company 's XXXX XXXX and asked them to verify this is my debt and send me information to review. experian said they meet the Fair Credit Act requirement, but I did not see anything to know if the information is true. How can Experian tell me that my information is true?
Product: Credit reporting, credit repair services, or other personal consumer reports

We had a mortgage with Pacific Union Mortgage opened in XXXX and closed in XXXX due to the company being sold. Since then, the new company, Nation Start, Mr. Cooper has been updating my old status incorrectly. They keep adding late payments to my old account that are inaccurate. I have tried to resolve this, but every time I contact them requesting verification they simply go into my account and change my status to a worse payment history. My account is reporting incorrect payment history that needs to be deleted. The account needs to be updated to never late or deleted as I have asked repeatedly for verification of payment history and they refuse to provide it, but it seems out of spite, they are making my account status worse every time I ask for verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two hard inquiries ( both on XX/XX/2019 ) from XXXX on my TransUnion report that took place prior to my eighteenth birthday, so there is no way the inquiries could have been me. I contacted them and the professional directed me to file a complaint here.
Product: Credit reporting or other personal consumer reports

Whatever you do in my previous complaints that I filed with y'all Experian XXXX and XXXX all three failed to remove the disputed items from my credit reports I filed complaints with y'all in the past about this but they still have not removed the information from my account that's not accurate I have file complaints with all three bureaus we go and all they did was come up with more excuses why so basically they just responded to XXXX request and ignored the problem at hand with my credit report so can somebody please make sure they remove the items from my credit report this time
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never been late on my discover credit card i've talk several times and was informed Ive never been late but the problem has not been fixed this is hindering me from getting my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX Experian and XXXX several times via phone online, and via first class mailings on many occasions in regards to 2 accounts that were placed in my name that did not belong to meand that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to XXXX  several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC, i've called and they've told me that their handling it and they received proper paperwork and i should see an update and i never do. The last rep I talked to name was XXXX and he stated he was in special handling, I havent had any luck with this. the following accounts that are reporting are : XXXX XXXX with a balance of {$3200.00} and XXXX XXXX ( XXXX ) with a balance of {$780.00}
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I have discovered, I have a fraudulent account that is reported on it, the account in question is XXXXXXXX XXXX with the account number XXXX, this account is fraudulent I have never opened such account in my name. This account is associated with a fraudulent address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove this fraudulent information as its fraudulent and not true.
Product: Credit card or prepaid card

Today, XXXX/XXXX/19, I arrived home and found a letter in my mail from Netspend, a company I have never heard of before today. It was a first class letter ( which usually indicates something you have asked for specifically, not an advertisement ). In the letter was an ACTUAL debit/credit card, with my name embossed and a sticker on it asking me to call the number to activate it. I never applied for this card, as I said I had never heard of the company. 

This caused several moments of alarm, followed by several more of confusion. Now, I'm angry. This kind of business practice is deceptive, at best. I am smart, and in the prime of my life and even still this MIGHT have fooled me if I didn't take my time with it and do some research. What if a kid gets this ( as they have, according to other anecdotal information I have been able to discover with one quick internet search ), or an elderly person, or someone with a mild developmental XXXX, and they are confused and think it is something they asked for? Also available with a quick internet search is anecdotal information about a litany of crimes and malfeasant practices by this company. 

I ask that someone over there looks into this company 's business practices and try to prevent the OBVIOUS unethical and potentially dangerous situation this company 's form of " advertising '' is bound to result in. People have a right to not be victimized by these kinds of duplicitous and deceptive tactics employed by disreputable businesses trying to procure " customers ''. This is barely one step away from fraud. IF that far.
Product: Debt collection

Consumer Recovery Services LLC. XXXX I called them after a " server '' contacted me via my work phone to give me a case # that I was being sued. They gave me the phone number for the Consumer Recovery services.

The case number was just the case number for the CRS LLC. XXXX XXXX who identified themselves as a paralegal that works for the law offices that were taking me to court. that I was going to owe them over {$1800.00} if it went to court, but I could settle with them for {$360.00}. 
I asked XXXX if she worked for a collections agency or a Law firm. She confirmed again that she worked for the law firm. 
I asked to be emailed a copy of the proof of debt. She emailed me a page stating how much I owed, but not actual proof of debt. This page only had a company name and phone number, no address As soon as I mentioned that I needed proof I was told that I would only get it if we went to court. She quickly ended the conversation and hung up.
Product: Debt collection

Midland has used multiple numbers, which includes spam numbers. Calls, after being told to stop contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint to Teletrack. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I have asked the bureaus to verify this account as well as send the proof they used to verify this account they are also reporting A balance of XXXX however they have also sold the debt to a third-party contractor without notification to myself the status updated as well as the original balance and payments is incorrect.
Product: Credit reporting or other personal consumer reports

Companies Being Complained About : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complaint Details : I am filing this formal complaint against TransUnion, Experian, and Equifax due to their failure to remove unauthorized credit inquiries from my report, despite multiple dispute requests. 

Since XX/XX/XXXX, I have sent XXXX dispute letters to each credit bureau requesting the removal of unauthorized inquiries from my credit report. However, none of them have taken corrective action, stating that they " can not remove accurate information '' without providing any proof that I authorized these inquiries. 

Issues Experienced : Repeated lack of response : All XXXX  credit bureaus have ignored my XXXX dispute letters and continue to report unauthorized inquiries on my credit file. 
Failure to provide proof : Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), these agencies are required to verify and provide documentation proving I authorized these inquiries. They have failed to do so. 
Negative impact on my credit : These unauthorized inquiries have significantly harmed my credit score and financial standing. 
Requested Resolution : I request that the CFPB take immediate action and require TransUnion, Experian, and Equifax to : Provide written proof that I authorized each of the disputed inquiries. 
Immediately remove any inquiries for which they can not provide valid documentation. 
Ensure full compliance with the FCRA by properly investigating and addressing consumer disputes. 
Supporting Documents : I have attached copies of : The XXXX dispute letters I sent to TransUnion, Experian, and Equifax since XX/XX/XXXX. 
Their responses stating they refuse to remove the inquiries. 
A copy of my credit report with the disputed inquiries highlighted. 
Final Statement : TransUnion, Experian, and Equifax have failed to comply with the FCRA by refusing to conduct a proper investigation into my dispute. Their inaction violates my rights as a consumer, and I am requesting the XXXX  immediate intervention to ensure these agencies comply with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$12000.00} DPT EDXXXX XXXX Balance : {$10000.00} DPT EDXXXX XXXXXXXX Balance : {$470.00} DPT EDXXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$1800.00} XXXXXXXX XXXX XXXXXXXX Balance : {$880.00}