23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, XXXX  XXXX [ XXXX [ Your Phone Number ] XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX / TransUnion ) XXXX Credit Bureau Address - See Below for Addresses ] Subject : Formal Dispute of Inaccurate Information Account No. XXXX XXXX XXXX XXXX ) Dear Sir/Madam, I am writing to formally dispute the inaccurate information being reported on my credit report by XXXX XXXX The account in question is an auto loan under Account XXXX. XXXX, opened on XX/XX/XXXX. XXXX XXXX is inaccurately reporting that this account was charged off, with a balance of {$29000.00} as of XX/XX/XXXX. However, I made payments under a contract with XXXX, which was sold to XXXX XXXX. Despite these payments, XXXX XXXX is falsely reporting that no payments were made. 

Violations of Law : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681e ( b ) : You are required under the FCRA to maintain accurate and complete credit information. This inaccurate reporting by XXXX XXXX violates this provision, as the payment history and account status are incorrectly reported. 
Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i : Under the FCRA, I am entitled to an investigation of disputed information. I am requesting an immediate reinvestigation of this account to ensure that my credit report reflects accurate information, including the correct payment history with XXXX before it was sold to XXXX XXXX. 
Truth in Lending Act ( TILA ) - 15 U.S.C. 1639 ( a ) ( 1 ) : The failure to properly disclose the sale of the loan from XXXX to XXXX XXXX and the erroneous reporting of payment status could also violate TILA, as the new lender did not provide adequate disclosure regarding the transfer of the loan and the terms associated with it.

Supporting Documentation : I have attached proof of payments made to Honda, which shows that the payments were applied before the account was transferred. These payments are not reflected accurately in the reporting by XXXX XXXX, and I request immediate correction. 

XXXX XXXX : I request that you reinvestigate this account and correct the inaccurate information being reported by XXXX XXXX. This includes removing the charge-off status, late payment history, and reflecting the correct payments made. 
Please update my credit report to reflect accurate information, as mandated under the FCRA and TILA.

If the credit bureau continues to report incorrect information, I will pursue further legal action as allowed under federal consumer protection laws, including the FCRA and TILA.

I expect this dispute to be resolved within the 30-day timeframe as required by the FCRA. Please notify me of the outcome of your investigation at the above address.

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

Key Violations : FCRA - 15 U.S.C. 1681e ( b ) : Inaccurate information reporting.

FCRA - 15 U.S.C. 1681i : Failure to properly investigate disputes.

TILA - 15 U.S.C. 1639 ( a ) ( 1 ) : Inadequate disclosure and reporting upon loan transfer. 
FTC Act - Section 5 : Deceptive practices.Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite my best efforts to rectify this situation, it is disheartening to find that these fraudulent accounts continue to tarnish my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts not only damage my financial reputation but also hinder my ability to secure credit, obtain reasonable interest rates, and achieve my financial goals. It is a grave injustice that they persist on my credit report despite my unwavering efforts to have them corrected. 
Your agency 's failure to address this issue in a timely and effective manner is not only a violation of the Fair Credit Reporting Act but also a disregard for the rights of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to closed complaint number XXXX - the name of the debt collector was incorrect in my complaint, not sure how that happened. Again, this {$75.00} is not even the issue, I can pay it just to rid myself of this paid debt, but now it 's gotten personal. I paid this in 2012, we proved it back then, and it reappears every other year, then goes away, but this time it 's not. The name of the debt collector this year is COMMONWEALTH FINANCIAL SYSTEMS, it changes frequently. Like I said, I can pay this easily, but now after wasting so many hours trying to get rid of these pennies, I feel they owe me XXXX  dollars or more for my time. I would like to reopen the above case number and file the complaint on the correct debt collection company.
Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I was in the process of purchasing a vehicle. I had done my homework and had a pre approved credit approval from XXXX XXXX XXXX XXXX, when I went to the dealer I explicitly told them not to run my credit through their system ( min of 6 times ) that I had secured financing and gave the dealer the letter from XXXX XXXX. Approx 45 days later I get an Online alert that a hard inquiry from XXXX XXXX had been run for travel and entertainment, I had no clue so what that was so called XXXX XXXX and asked who and what authorized this inquiry, they replied the auto dealer had and that I should dispute the inquiry if I didn't authorize. I traveled to the auto dealer ( twice ) and asked why my credit was run other than to speak directly to XXXX XXXX which I did authorize but at that time I re emphasized NOT to run my credit through their system and I was assured and re assured it would not happen. The dealer said XXXX was their " captive '' finance co and that is why it was run..but should not have been run and they would see what they can do to fix it, so far, nothing. 
My issue is XXXX XXXX  is blaming dealer, XXXX XXXX XXXX ( dealer ) is blaming XXXX, their system and XXXX XXXX. I want this Hard Inquiry removed, it was fraudulent and has damaged my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$260.00}.
Product: Debt collection

I received a Final Notice for a debt that I do not owe and have informed the collection agency. I have sent the collection agency a timely response letter which they do no acknowledge ; they say that the debt is valid because I did not respond, please see attachments. I believe the collection agency and service provider are in violation of the No Surprises Act.
Product: Credit card

discover card refuse a payment agreement violated my privacy and did not close the account i did n't own discover card when i told them to close my account
Product: Money transfer, virtual currency, or money service

I was unable to transfer money from my PNC account to XXXX, why?
Product: Credit reporting or other personal consumer reports

Around XX/XX/2024 i called XXXX and Experian about me not being able to view my credit Reports and Scores. i was asked to upload or send in a copy of my Drivers license, Social Security card, and a utility bill -paystub -insurance with the same address.I still never received any updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit scorXXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im hXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im dXXXX now.with no help.
Product: Mortgage

After Freedom Mortgage took over servicing my loan, they have not successfully applied payments to my account. I have to call back and make the payment again and again. I called my bank who told me they haven't denied/returned any payment ; and have no history of Freedom Mortgage ever requesting payment. Every month I pay my mortgage on time, then receive a letter in the mail saying my payment was returned by my financial institution ; which is a false statement and felonious. This is causing unnecessary stress and I'm tired of playing these games, like they are trying to trip me up. I feel uneasy doing business with these people, I feel like they are trying to take my house.
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least XXXX sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Debt collection

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unfair activities. They provided this account on which we did not agree and on which I did not sign an agreement. A legal contract is signed by two parties, and I was not a part of any of them. Furthermore, they did not follow the necessary 5-step validation method, resulting in unfair practices. According to the FDCPA, I am entitled to {$1000.00} each infraction, and they blatantly violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested forbearance/payment deferral with XXXX XXXX in XXXX, 2020 due to COVID-19 and was approved for a 2 month deferral to XXXX, 2020. In XXXX, 2020 XXXX XXXX showed a 30 day late on my credit report which lowered my FICO score XXXX points. ( I had requested the same with 8 other credit card companies and was approved with all ). I, immediately contacted XXXX XXXX, by phone and letter, and they refused to remove the 30 day late. ( I have never been 30 days late on ANY of my credit cards ). At this time I was in the process of refinancing my home. The FICO score lowering made me " NOT ELIGIBILE '' to complete the refinance loan. I have been with XXXX XXXX for 10 years and have never been late. Please Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all three credit bureaus XXXX, Equifax, XXXX. I reached out to them regarding the charge off debts they were reporting i started this process XXXX XXXX. Within 30 days XXXX will send back the debt is verified and updated. I never received a response from XXXX nor Equifax. I have requested 3x for all of them to tell me how the debt was verified. I never received the information back. Which i have asked them to remove the incorrect information they are reporting because of my FCRA rights. Still no change in my report. This is hindering my character.
Product: Debt collection

I have advised them multiple times that the doctors did not bill this correctly per my insurance and they refuse to fix it so this that is not correct and not valid and I am not responsible for other people 's mistakes. I want this debt erased completely or heavily discounted as this is not my error and I have been trying to fix issues with a provider and with the insurance for years and nobody will help. Not my fault as I have no controls over their errors.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I discovered that I had multiple inaccuracies reported on my credit report by XXXX XXXX. This information is incorrect because the date of last payment, past due amount, payment amount, date opened, and high balance were incongruently reported on my credit reports. 

On XX/XX/year>, I sent formal dispute letters to Experian, including reasons to support my claim. Experian has yet to correct the information, which continues to negatively impact my credit score. 

I have also sent formal dispute letters on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> to investigate and correct these inaccuracies. Over the course of six months, I have yet to receive a response, and this is greatly hurting my credit score. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i : this section describes the procedure for disputing inaccurate information. It requires credit reporting agencies to investigate disputes and correct or delete inaccurate information within a certain time frame. 

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

This is my SECOND complaint. I find this unnecessary that I'm having to do this again. I did file the first complaint not anyone else This is a stall tactic on their part. I have file a dispute back in XX/XX/2020 one complaint already and now second one. It has been XXXX months now and NOTHING. How many times do I need to file things to get this DONE. If this is not taken care IMMEDIATELY I will have no choice but to take legal action against Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint due to errors and fraud on my credit file. I recently was hospitalized for XXXX XXXX XXXX I was out of commission for 6 months bed rest. Someone has been using my ID and SS for accounts and loans. I was looking into doing a refinance on my home when I discovered that I had my information compromised. I have never lived in XXXX GA in my life. My name is XXXX XXXX please delete any other spelling of my name. Please remove the following names they are not mine name : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX The following addresses are not mine:XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX  CT XXXX, GA XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, OH XXXX :
Product: Checking or savings account

I have had fraud multiple times on this account and have done the correct courses of action and each time i am hit with an over draft fee
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple accounts on my credit report that are closed and have been sold. I know this because the debt have been in my debt collection or are still. I 've been trying to get the original debt removed so it does n't look like I have double the serious delinquency or derogatory indicator. The Credit bureaus keep coming back with the account verified account sold but refuse to remove them since they 've been sold. Accounts XXXX XXXX XXXX XXXX I also have accounts that were paid before being sent to collection and now sitting on my credit report and the credit bureau refuses to remove them keeps coming back with verified account paid before collection. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX  I also have multiple hard inquiries that were unauthorized and the credit bureau keeps coming back with they are factual and that I need to call the original creditor when have called the creditor is unaware of the hard inquiry and says there nothing they can do about something they have no knowledge of. 

Inquiries 1 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX 2 )  XXXX XXXX XXXX ( XXXX/XXXX/XXXX 3 ) XXXX XXXX ( XXXX/XXXX/XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 5 ) XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 6 ) Chase card ( XXXX/XXXX/XXXX ) 7 ) XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 8 )  XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 9 ) XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 10 ) XXXX XXXX ( XXXX/XXXX/XXXX ) 11 ) XXXX XXXX XXXX (XX/XX/XXXX6 ) 12 ) XX/XX/XXXX ( XXXX/XXXX/XXXX ) 13 ) XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 14 ) XXXX XXXX ( XXXX/XXXX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute disputing this account and this company failed to respond within the 30-45 days time frame. I requested for proof of documents because this account was to be paid off in full and is still incorrectly reporting and hindering the growth of my credit score.. Santanter has not responded or provided any type of documentation supporting this account. 

Also this account is reporting every month negatively on my report dropping my score.
Product: Student loan

Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXXaffiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly 70,000 students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Credit card or prepaid card

The following was my message to HSBC. 

" My credit card account ( XXXX ) was closed after HSBC asked me to use it before by the XXXX of XXXX because it was INACTIVE. I made 2 charges and now there is balance of {$130.00}. There is NO WAY to make this payment. I need access to resolve this issue QUICKLY. If I don't hear from you by the close of business XXXX XXXX, 2019, on how I can complete a payment, I WILL FORWARD this COMPLAINT to the https : //www.consumerfinance.gov/ or The CONSUMER FINANCIAL PROTECTION BUREAU. HSBC does have to LOCK me out before I can make the payment. This looks like a XXXX  PRACTICE to get me to DEFAULT on my payment so that HSBC can hit me with LATE FEES and PENALTY. I called your customer service and an bunch of XXXX who CAN ONLY SING ENGLISH was TALKING XXXX. I need professional RESPONSE from people who are interested in RESOLVING this ISSUE. '' I contacted HSBC via their INTERNAL messaging service and they DID NOT HELP in resolving this issue. HSBC practices FRAUD and XXXX via OFFSHORE CROOKS. Their MANAGEMENT at HSBC thinks that EVERYONE in the US as STUPID as they are. 

My phone number is ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

Experian does not properly investigate disputes and fails to remove or reinserts errors on reports. Ive sent letters of several incorrectly information on my credit report and asked them to be removed XX/XX/year>