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

I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to XXXX  and XXXX  regarding an account being reported by CREDIT CONTROL CORP ( Original Creditor : XXXX XXXX XXXX XXXX. 

The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX responded that the account was unable to be verified and deleted it from my credit report but XXXX and XXXX  failed respond to any of my complaints and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. to this day the information is still being reported inaccurate and false information is being reported.
Product: Debt collection

I have court orders that im not responsible for the debt. it should be off my credit report .the debt is NTL Credit Systems for {$5400.00}. I have sent them the court papers signed by me and the ex and the judge and it keeps coming back on my report. im not responsible for this debt. needs to get off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent XXXX  a followup letter regarding an alleged debt collection on my credit report by the company " XXXX  XXXX XXXX XXXX XXXX account # XXXX '' which I have also reached out too. The company has FAILED to verify the debt with ( original signature ). The company sent me a letter that ONLY addresses the alleged debt but NOT the original leasing agreement with my alleged signature. This debt does NOT belong to me. It has now been over 30 days since the original dispute on XX/XX/XXXX that has not been addressed neither by the credit bureau XXXX, Equifax nor the creditor, XXXX  XXXX XXXX XXXX. They are ALL in violation of my rights under the " Fair Credit Act '', for not producing verification documents of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I will submit a complaint here with ALL companies involved including XXXX, Equifax and the creditorXXXX XXXX XXXX XXXX XXXX, for their failure to provide proof of debt with original documentation for the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my credit reports, XXXX  and Equifax.
Product: Debt collection

I received an email,, from a third part company saying that they represent XXXX XXXX XXXX. I owe an amount of almost {$7000.00} and I have 5 hours to either pay a settlement fee of {$3000.00} or make {$500.00} per week payments. I replied back saying that I would some information from them, just to show legitimacy on this account since there are many scam companies out there. They replied back rudely, saying they dont ' have to supply any such thing to me and I'll get what I get when it's paid. Replying I had 4 hours to pay or else.

Again, no name of this third party company, just it says at the top of the email they represent this law firm. Again I ask for information, and I even tried to find the lawfirm to send a contact form directly to them. Nothing from lawfirm. This third part then sent another form today, saying they are going to submit this to court and I would be required to show up and could be arrested and have all my belongings seized as well. 

I have received XXXX paperwork and XXXX correspondence from this lawfirm. I've reached out and gotten nothing. XXXX not even sure of the account and amount owed is real either. 

All emails are from XXXX and XXXX and thats all that i have from them.
Product: Credit card

I have Wells Fargo credit card and used XXXX of the promotional checks they send with XXXX finance for XXXX months. When you use the card for other purchases they don't apply payment to the promotional balance first. They also can't tell you how much money you have to pay in order to clear the promotional balance. So as the end of the term gets closer, although you have paid hundreds of dollars per month and cleared what should have been the promo balance XXXX or XXXX times over, you still own XXXX  % of the promo balance.
Product: Bank account or service

XXXX XXXX, 2017 RE : Bank of America Solicitations by mail Hello CFPB, I have written XXXX letters to Bk of Am to stop sending my their mailings, I have gone on their website and selected my preferences which clearly indicted I do not want anything from them mailed to me. My bank statements and yearly tax information is emailed to me. That 's all I need from them. XXXX is XXXX in the Nation for mail fraud. Regardless of that, I simply do not want their mailings! Bk of Am refuses to listen to what I am telling them. I do not want to receive ANYTHING from them! 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a unauthorized charge was placed on my credit card with USAA. I reported this transaction which I found out USAA refers to as a " dispute ''. USAA agreed with the charge and corrected my account on XX/XX/XXXX. In XX/XX/XXXX, I was told by my home lender that a dispute showed on my current credit reported by USAA. My complaint is USAA or any other banking company should not be allowed by law to report this type of internal process to a third party credit agency. The disclaimer on USAA banking website reads as follows : USAA reports to credit agency, missed payments, defaults, and late payments. In my judgement this type of reckless reporting can result in a adverse action report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under TRANSUNION and XXXX XXXX XXXX XXXXXXXX 120 days late in XX/XX/2018, XX/XX/2018, XX/XX/2018 You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!
Product: Credit reporting or other personal consumer reports

I applied for home insurance with XXXX and was denied based on information LexisNexis Risk Solutions Consumer Center provided them on a file they maintain on me. I have on three occasions requested a copy of the file/information supplied to XXXX by LexisNexis, and all three times, they have denied my request. I have written them twice and completed their online application. As requested, I have provided them with my Texas driver 's license, social security information, full name, and date of birth. 

" LexisNexis response : Unfortunately, we are unable to authenticate your identity and therefore can not process your request. '' The information I submitted to XXXX for the home insurance is what I provided LexisNexis. How can they respond to XXXX and give a report but can not provide me, the consumer, with a copy of that information?
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized hard inquiries on my credit report. Listed below are the companies and dates : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I had identity theft. It was over XXXX worth on XXXX cards. From the target data breech. I am in my XXXX and always had a perfect credit score. Over XXXX. Well. The creditor which was chase freedom and capitol one XXXX agreed it was fraud. Along with all XXXX credit beuras. ( Agreed it was fraud ). Well they dropped them off my credit report. So now my credit report shows perfect credit. Not my score. It is XXXX. I 'm trying to purchase a home. I ca n't with this score. The fraud was 100 % not my fault. So they need to change my score back to at least high XXXX. Thank you.
Product: Credit card or prepaid card

Hi there. 

I need documentation showing a time stamp for a transaction I made this morning, but Citibank customer service representatives refuse to provide it, and the timing information does n't appear next to the transaction when I pull it up online. I used my Citi card to pay for two hours at a parking meter - {$4.00} on Monday, XX/XX/XXXX. I got a parking ticket before those two hours expired and need documentation showing the time stamp of the transaction to prove to the city that I should n't have been ticketed. Please help. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Charged OFF Account from Discover Account Number XXXX. I sent a notarized letter and a check to Discover to settle the account. Per USPS Tracking, Discover received both on XX/XX/XXXX XXXX. Per my bank, Discover cashed the check on XX/XX/XXXX. I spoke to a Customer Service Rep and was advised Discover will not abide by the notarized letter sent & the contract on the back of the check. I have a copy of the letter and the front & back of the check that was cashed. Discover is breaking the law.of 15 U.S. Code 1681 S-2. 
Discover rep acknowledged they cashed the check & will not follow the contract.
Product: Bank account or service

Hello, I am trying to resolve an issue with Bancorp South regarding a charge filed on 2014 by XXXX XXXX XX/XX/<YYYY> in the amount of {$400.00}. For detailed explanation, please refer to attached letter.
Product: Vehicle loan or lease

I called XXXX ( institution where car was purchased ) and requested the extended warranty be cancelled since I had never used it. The total value of the warranty was 2 more years at {$820.00} which I requested to be applied to my ALLY account as a payment. XXXX then sent the funds over to ALLY the same day and they were in fact applied as a payment on XX/XX/XXXX for the monthly installment date of XX/XX/XXXX, which covered the payment for the month of XXXX. 

The website showed the next payment was due XX/XX/XXXX in the amount of {$140.00}. I checked my account as recently as Saturday XXXX XXXX2024 and the money transferred from XXXX was still applied as a monthly payment. ALLY decided more than 2 weeks from XXXX XXXX,2024 to then decide to reallocate the funds and remove it as a car payment and only apply it to reduce the total amount of the loan, however everytime I make a monthly payment it reduces the amount of the loan. 

They decided to once again use predatory lending practices to try and put my account into default so they can repossess my vehicle. This has been an ongoing issue and I am not the only ALLY customer who is experiencing these predatory lending practices but I may be one of the few who actually screenshot every payment and always screenshot the status of my account due to my XXXX and distrust of the company. They stated they will file an application to reallocate the funds but I dont believe them ( case # XXXX ). 

They still have YET to review the call from my previous complaint dated XXXX XXXX2024. They keep telling me a supervisor will reach out in the hopes that I forget about it but I wont and hope someone will intervene on my behalf as a consumer. They are violating my consumer rights and using predatory lending with their customers.
Product: Mortgage

XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX has been reluctant in addressing my concerns in detail as follows : # 1 A clear documented chain of title, from the origination initiated by XXXX XXXX XXXX , XXXX up to its current " XXXX &   XXXX. '' # 2 Documentation of the delivery an acceptance receipt from the originator to the sponsor, a delivery an acceptance receipt from the sponsor to the depositor, and a delivery an acceptance receipt from the depositor to the Trustee 's. In addition, to all original notes, all on-time payments made and all original documents that were executed from the originator up to the current XXXX & XXXXXXXX XXXX See attachment of my deed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not belong to me. My personal information was found on the dark web, such as my SSN, address, dob, and name. This is identity theft, Also, I notice my information was exposed in Equifax and XXXX data breaches. I demand this information be blocked from my credit report for any future reporting. This is a violation of my privacy, and defamation of character I'm in the process of purchasing a home. I demand immediate deletion. There are also tons of inquiries, and creditors I have never heard of or ever done business with I demand immediate deletion.
Product: Student loan

I have an overwhelming student debt - between Federal and Private Loans I 'm up to about XXXX. I have been working for weeks to get someone to help consolidate, but because the amount is so high and because I do n't make all that much no one will help me to get my monthly payment lowered to a manageable amount. Navient is useless because they just keep asking me how I expect to pay them - I do n't know, I ca n't afford over XXXX/month. I 'm just trying to start paying these back, I took the loans and I accept my debt I just ca n't afford such high payments but no one seems to want to help me pay off my debt ....
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX5 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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

A few days ago XXXX reported a remark to the credit bureaus regarding an account that was paid in XXXX of this year. How can they remark on a closed account? First they reported incorrect information on my credit report about the payments I made and the amount of time they were supposedly late. I have proof that I made payments and that the amount I paid was more than what they listed on my credit report.
Product: Debt collection

I pulled up my credit report and notice a collection debt from Midwest Recovery Systems for XXXX being reported. I have disputed this with credit bureau but no information has been provided about the account to me. I sent a certified letter to Midwest Recovery Systems and still no response or information about this account. I haven’t received any information nor have I signed any contract with this company. I am unaware of the company. They are destroying my credit with this collection account on my credit report. This needs to be removed off my credit report because I have never done business with this company.
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have never given authorization for the furnishing of my information to these creditors
Product: Credit card

Per capital one policy, billing cycle ends on at XXXX on the closing day. Capital one decided to end my billing cycle a day early even though they admitted it supposed to end today ( XX/XX/19 ) per company policy. The manager accepted this but could not give a clear reason why this happened she also tried to take back her statement when I said I was going to report this to your company. Banks are required to follow policy but capital one has breached their own policy and this is going to really affect me. I dont know but I believe the representative I called yesterday to file a dispute may have ended the billing cycle early. This is going to affect my credit score and cause me pain and suffering for the next month because Im not going to be able to do a lot of things I need to do.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies are still displaying inaccurate information on my credit report. Specifically, one account that was previously removed by another XXXX XXXX XXXX is still being reported by TransUnion and XXXX. Furthermore, despite filing complaints with both agencies, they have failed to provide a satisfactory resolution and have instead chosen to close the cases after a mere XXXX period. This partial and bias approach to credit reporting raises concerns about the accuracy and reliability of the information maintained by these agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XX/XX/XXXX and XX/XX/XXXX CRA. On XX/XX/2020, I mailed Equifax, XX/XX/XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

I have also directly contacted the company associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

I request that you promptly eliminate these accounts from my credit report, aligning with the actions taken by other credit bureaus. Failure to do so will leave me with no choice but to pursue legal action. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent accounts, and following these submission, XXXX XXXX XXXX  have removed these accounts from their records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

15 U.S. Code {$1600.00} XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX are the same company, experian knows this and acknowledged it they have not fixed nor are they going to fix this problem, THE LIE, ALL FILES WILL BE FORWARDED TO THE XXXX FRAUD DIVISION in the documents I provided you can see I never missed a payment fir 5he same amount going to the same place but now you can see experian clearly says that it needs more time
Product: Credit reporting, credit repair services, or other personal consumer reports

For recording keeping, this is my 10th letter to you. I am requesting an independent investigation into the following accounts, because they are reported inaccurately and need to be removed. My credit report was pulled from XXXX, and I see multiple entries that are wrong and hurtful to my credit score My goal is to refinance my car loan so that I can have a lower interest rate. 

Please investigate each of these accounts to ensure the accuracy of my entire credit report. I would appreciate a new credit report be sent to me, detailing the outcome of your investigation and any deletions or updates per my below. 

XXXX Account number : XXXX The high balance is different across the 3 credit bureaus. Transunion high balance states {$4900.00}. XXXX and XXXX states {$0.00} high balance. 

XXXX Account number : XXXX The date last active is different across the 3 credit bureaus. Transunion date last active states XX/XX/XXXX. XXXX and XXXX date last active states XXXX 

XXXX XXXX Account number : XXXX The date last active is different across the 3 credit bureaus. Transunion date last active states XX/XX/XXXX. XXXX date last active states XX/XX/XXXX. XXXX date last active states XX/XX/XXXX. 

XXXX XXXX Account number : XXXX The high balance is different across the 3 credit bureaus. Transunion high balance states {$850.00}. XXXX and XXXX states {$0.00} high balance. 

XXXX XXXX Account number : XXXX The high balance is different across the 3 credit bureaus. XXXX  high balance state {$0.00}. XXXX high balance states {$0.00}. Transunion high balance states {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should not be reporting a collection/chargeoff in the amount of {$31000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX   is reporting correctly. The vehicle was repossessed in 2014. I called XXXX XXXX and asked why they are reporting on Equifax that I still owe the full balance. XXXX XXXX informed me that they are continuing to report this because they claim that the vehicle was picked up on XX/XX/2014. This is not true. I no longer have possession of the vehicle. I asked XXXX to provide me with documentation showing that the vehicle was picked up and they can not locate any information to show that the vehicle was in fact picked up. Equifax needs to report a {$0.00} balance. This false reporting of a collection/charteoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted Equifax to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a bankruptcy on my credit report with the incorrect docket number that they have failed to verify. I sent a letter informing them to verify the bankruptcy not just stating that its " verified ''. I also enclosed a letter where the bankruptcy court stated they do not verify bankruptcies with the credit bureau. Experian violated my rights as a consumer.