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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX 'S XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX - XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent accounts being added to my credit report. I am requesting that the following accounts be blocked and deleted from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts name : milestone gold XXXX # XXXX violated my rights 15 U.S.C 1681 section 602 A States I have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX and XXXX Are reporting balances and Late payments on closed accounts on my credit report. If the original creditor sold the debt to a collection agency, then according to fair credit reporting practices, it should not continue to report a balance owed. They are not original creditors as follows XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked this company to provide any information showing that I ever opened an account with them. All requests have gone unanswered. They are showing I owe them {$880.00} under account number XXXX. I've never done any business with them.
Product: Debt collection

I received a notification about an XXXX & XXXX bill on my credit report that I did not open. I reached out to XXXX about removing the negative report because of fraud and nothing has been done about it.
Product: Debt collection

Receive letter on XX/XX/2018 telling me that I've been reported to the credit bureaus about a late payment on an account I can not recognize. This letter came from, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, Kentucky XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX I applied for Amex business gold card after seeing a sign up bonus of XXXX offer after {$10000.00} spending. The offer applies to all new business gold members. I have never had an Amex business gold card. On XX/XX/XXXX, I fulfilled the {$10000.00} spending requirement but amex did not honor the XXXX bonus. When inquired with customer service they indicate the promotion was not applied to my application and that my application did not come with any sign up bonus. This is a bait and switch. How can Amex advertise a XXXX bonus to all new businesses but at the same time market a link with no bonus at all? I feel very victimized by this tactic. A quick XXXX search of the Amex business gold card a promotion will always have a sign up promotion more or less. But to have a link for no bonus at all while advertising all these extravagant bonuses is deceptive. 

Below is a link as of today XX/XX/XXXX for a XXXX point offer by simple XXXX search. 

XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I entered into a written contract with XXXX XXXX who then sold it to Santander consumer usa. In the contract is states on the back that, " Oral agreements or commitments to loan money, extend credit or to forbear from enforcing repayment of debt including promises to extend or renew such debt are not ENFORCEABLE. To protect you ( borrower ( s ) ) and us ( creditor ) from misunderstanding or disappointment, any agreements we reach covering such matters are contained in this writing, which is the complete and exclusive statement of the agreement between us, EXCEPT as we may later agree in writing to modify it. Santander breached this agreement when they offered me deferred payments without modifying my contract in writing. I will be mailing another copy of my contract via usps when i receive the hard copy complaint form in the mail. I am unable to upload a copy to attach to this form. I DO NOT want to be contacted via email since I never received a reply from my first complaint. To keep this from happening again i prefer to receive all contact by regular mail.
Product: Credit card or prepaid card

I received a letter from Chase dated XXXX ( Exhibit A ), informing me that my 3 credit cards with them would be closed " because a previous credit card, deposit or investment account '' had been closed. I called the number on the letter and was told that it was a " Chase affiliate '' but they could not tell me anything else and would have to write to them. Before I composed my letter I called both XXXX and XXXX ( cards that I have held for 17 years and 11 years with perfect payment histories ). Both told me that this was a Chase Bank decision and not theirs. My letter ( Exhibit B ) along with my credit history credit score of XXXX ( Exhibit C ) was mailed to Chase on XXXX. As stated in my letter, I have no other relationships with Chase. I have a credit history that is exemplary. I have been retired sinceXX/XX/XXXXand am not a signer on any corporate, partnership or non-profit accounts. 

The letter from Chase, in response, dated XXXX states that the closures are because of an affiliate is ending their banking relationship with me. 

All I wish to to find out what this relationship is. 

Thank you, XXXX XXXX ( XXXX )
Product: Debt collection

XXXX / XXXX / 2015  {$78.00} THIS IS NOT MY ACCOUNT I DO NOT UNDERSTAND WHY THIS IS COMING UP ON MY CONSUMER REPORT. THE LAST OF THE DRIVER LICENSES IS NOT MINES AS WELL.
Product: Credit reporting or other personal consumer reports

I simply desire a hard copy credit report from the XXXX credit bureaus. I had no luck getting a confirmation by phone. The process has become very difficult. Accordingly, I desire a free hard copy credit report to be mailed to my home address. This is a professional request, thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for XXXX  Loan Account Dear CFPB, I am writing to formally dispute the inaccurate late payment notation reported on my credit file by TransUnion for the XXXX  Loan account ( Account Number : XXXX ). Despite multiple requests for correction submitted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the erroneous information has not been addressed. This constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ) and related federal statutes. 
Account Details : Account Number : XXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Payment Status : Current Creditor Remarks : Closed Nature of the Discrepancy : TransUnion is reporting a 30-day late payment for XX/XX/XXXX. This information is inaccurate and unsupported by evidence. The account history shows consistent and timely payments prior to the account being closed on XX/XX/XXXX. Moreover, XXXX and XXXX do not report any late payments for this account, further highlighting the inaccuracy in TransUnion 's records.

F

CRA Violations : 15 U.S. Code 1681i : TransUnion has failed to conduct a reasonable reinvestigation of my disputes, as required by law. Despite my repeated requests, the inaccurate late payment remains uncorrected. 15 U.S. Code 1681e ( b ) : Credit reporting agencies are obligated to maintain maximum possible accuracy in their reports. The inclusion of this erroneous late payment violates this requirement. 
TILA Violations : The Truth in Lending Act ( TILA ) emphasizes accurate and timely disclosures to consumers. The inaccurate reporting of a late payment has caused undue harm to my creditworthiness and misrepresents my payment history. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act mandates timely and accurate statement disclosures to prevent unfair penalties to consumers. The late payment notation contradicts this mandate and has adversely affected my credit standing. 
Impact of the Error : The false reporting of a late payment for XX/XX/XXXX has negatively impacted my credit score and financial opportunities. This erroneous information has caused unnecessary distress and potential financial harm. 
Requested Resolution : Immediate removal of the inaccurate 30-day late payment notation for XX/XX/XXXX from my credit report. 
Written confirmation that this correction has been made. 
Assurance that all future credit reporting for this account will be accurate.

I am attaching relevant evidence, including account statements and correspondence, to substantiate my dispute. If this issue is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. Additionally, I reserve the right to pursue legal action to protect my rights under the FCRA and TILA.

Thank you for your prompt attention to this matter. I look forward to your resolution and written confirmation within 30 days. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve this issue with XXXX XXXX  for a long time and I would like to take legal action because it feels as if they are intentionally messing with me. Here are 2 complaint IDs from your company pertaining to this matter. Currently on my credit report it shows that I was delinquent on a payment XX/XX/22. 
XXXX complaint against XXXX XXXX against XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I can not get in touch with Experian about my credit report not being updated to reflect the {$0.00} balance on my XXXXXXXX XXXX XXXXXXXX XXXX XXXX card account that was paid down and the statement cut on XX/XX/year>. It has been a week with no update at all. I want this to update. Below I attached a screenshot of the incorrect balance and the most recent XXXX XXXX statement. 

Also their phone system does not allow me to get in touch with a live representative. The only way to speak to someone is to call their business product support line but they cant help with personal al credit report issues. Today I waited over 20 mins on hold and 10 mins after it connected with somebody they said they would transfer me so 10 mins after that, the call auto disconnected. 

This is horrible customer service handling and this REALLY needs to be changed! I dont understand why so many creditors use Experian when a consumer can not even get in touch with their support. I also dont know why my balance has not updated in a week but that is unacceptable too, honestly.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681b ( 2 ) In accordance with the written instructions of the Consumer to whom it relates 15 USC 1681A Respect for the Consumers Right to Privacy 15 USC 1681O Civil liability for negligent noncompliance 15 USC 1692C Communication in connection with debt collection 15 USC 1692D ( 2 ) Harassment or abuse 15 USC 1692E ( 2 ) ( A ) Fale or misleading representations Please help this company has violated all of my Consumers Rights and Continue to do so.
Product: Debt collection

On XXXX I looked at my credit report from XXXX, XXXX  & XXXX  & I noticed two medical collection for XXXX XXXX XXXX being collected by Transworld Systems Inc. One in the amount of {$270.00} & the other of {$420.00}. I do not deny that this debt is mine, but I also do not recall owing anything as well. That same day XXXX I sent a simple debt validation to TSI/ Transworld Inc in order to verify this belongs to me. I also sent a letter on the same date to XXXX, XXXX, XXXX  asking them to verify this is truly  mine. I patiently waited and after over a month I have not received any response. I sent the same letters again asking for my right to know. At this point it has been well over two months & I have not recived a response from either the collection company Transworld Systems or the credit reporting agencies. I have nowhere to turn with this injustice.
Product: Student loan

They don't work with me. They don't pick up the phone. Would like them off my credit report
Product: Credit reporting or other personal consumer reports

Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 USC 1681c-2 ( a ) ** Dear Experian Customer Service, I am writing to demand the immediate blocking and deletion of all fraudulent accounts and inquiries that have appeared on my credit report as a result of identity theft. As a victim of a data breach, I invoke my rights under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ) to have all unauthorized information permanently removed from my file.

The fraudulent entries I have identified are as follows : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Credit Inquiries : XXXX XXXX XX/XX/XXXX Under federal law, you are required to block this information from my credit report upon confirmation of identity theft and provide written confirmation of its removal. You are also obligated to notify me of the outcome of your investigation, including the evidence used to determine the validity of any reinstated information. 
I have included the following documentation to assist with your investigation : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report Your companys negligence has already caused me undue harm, and I will not accept further delays or inadequate responses. If this issue is not resolved promptly, I am prepared to escalate my concerns to the Consumer Financial Protection Bureau ( CFPB ), state attorneys general, and other relevant authorities to ensure that my rights are upheld. 
This matter requires your immediate attention. Please provide a written response and confirmation of the actions taken within the legally mandated timeframe. If additional information is required, you may contact me at [ Your Phone Number ] or [ Your Email Address ]. 
Thank you for your prompt compliance. 
Sincerely, XXXX XXXX DOB : XX/XX/XXXX Enclosures ID Proof of Address SSC FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts being reported on my credit report. I do not know any of theses companies. I have never done business with any of them. These collection companies do not have a contact with my sigature.
Product: Debt collection

this account was opened fraudulently under my name. i dont even reside at this address. i checked my credit report and had not idea i owed this debt.
Product: Mortgage

Second straight year Mr. Cooper did not pay my homeowners insurance before the due date. In both cases, I had to make the payment to keep the insurance in effect. California companies will not automatically reinstate coverage after non-payment. Mr. Cooper 's website shows a payment withdrawn on XX/XX/XXXX when the due date is XX/XX/XXXX. The insurance company does not show the payment posted as of XX/XX/XXXX. It shows my credit card payment made on XX/XX/XXXX.
Product: Debt collection

Hello, The card was used for the payment of an enterprise car rental back around XXXX  yrs ago, I made the complaint with the store they said that they will provide me the credit never happen I decide to contact my XXXX  XXXX credit card and dispute the charge and after their investigation, the payment was back to me. Now after almost 5 yrs I decide to check my credit score and looks like the XXXX  sent me to the collection and I was never informed to a company Caine & Weiner XXXX XXXX ) XXXX XXXX I call and is over 3 months and they still don sent me an official letter explaining the outstanding balance.
Product: Debt collection

I C SYSTEM with account # XXXX and a balance of {$540.00}. The original creditor is XXXX XXXX.
Product: Credit card or prepaid card

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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: Credit reporting, credit repair services, or other personal consumer reports

File Number # XXXX. To Whom it may concern XXXX XXXX county clerk & Comptroller and TransUnion have violated the Fair Debt Collection Practice Act ( FDCPA ) Pub. L. 95-109 ; 91Stat.874, codified as 15 U.S.C1692-1692p
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Subject : Dispute of Charge-Off on Credit Report Lack of Form 1099-C To Whom It May Concern : I am writing to dispute the information reported on my credit report related to a charge-off account with [ Creditors Name ]. I have reviewed my credit report and found that the charge-off account, [ Account Number ], is inaccurately reported.

According to the Fair Credit Reporting Act ( FCRA ) and IRS guidelines, a creditor is required to issue a Form 1099-C for any canceled debt of {$600.00} or more. I have not received a Form 1099-C from [ Creditors Name ] for the charge-off account in question. The failure to issue this form suggests that the debt may not have been properly canceled, and therefore, the charge-off may not be valid.

Additionally, the lack of a 1099-C may indicate non-compliance with federal regulations, and it could imply that the debt is still legally collectible, contradicting the charge-off status reported to you.

I am requesting that the charge-off be thoroughly investigated and removed from my credit report if it can not be substantiated with proper documentation, including the issuance of a Form 1099-C. Please verify this information with the creditor and correct the inaccurate information on my credit report.

In accordance with the FCRA, I request that you : 1. Investigate the disputed information with the creditor.

2. Remove or delete the inaccurate information on my credit report.

3. Provide me with an updated copy of my credit report once the investigation is complete.

Enclosed, please find a copy of my credit report with the disputed account highlighted, as well as a copy of my identification for verification purposes.

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

Sincerely, XXXX XXXX Enclosures : Copy of credit report with disputed account highlighted XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Georgia XXXX Copy of identification
Product: Debt collection

I received an automated call on XX/XX/22 from XXXX. The recording said that if I didnt press 1 to speak with someone to take care of the matter, they would contact my employer to garnish my wages and would contact the local sheriff. 

I pressed 1 to speak with an agent as the recording had requested. 

I was connected to someone named XXXX, who identified himself as being from the Legal Department at XXXX. He stated that he was looking for XXXX XXXX. I informed him that there was no one here by that name, and that they have been informed of this before when they called looking for XXXX XXXX. He then asked me what my name was, so told him that I had no legal obligation to provide him with my name. 

He then told me that if I didnt provide my name, the calls would not stop.