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

I reached out to Lexis NEXIS concerned about an alleged public record listed on my consumer report on XX/XX/2022, couple of months later received an envelope containing a link and PIN number to access my updated report which allegedly showed the bankruptcy being unverifiable and therefore removed, I contacted them shortly after and they told me they were to communicate to the mayor credit bureaus of the changes and today XX/XX/2022 just found out that they still havent reached to XXXX, XXXX and XXXX further more I learned that they are still housing the XXXX XXXX XXXX in a unverified account department. This company continues to violate the laws, my rights as a consumer and not being held accountable for the inconvenience and damages being inflicted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 - contacted Transunion by phone at XXXX. 

A bankruptcy was placed on my credit report without verifying any information. 

Spoke w/ XXXX at Transunion XXXX XXXX indicated on a monitored and recorded line that US Bankruptcy XXXX Georgia verified information placed on my credit report by phone. She verified the phone number of the court. I advised the court does not verify bankruptcies at all much less by phone. I advised that I provided proof of such. She transferred me to a supervisor XXXX. 

XXXX at Transunion indicated that my dispute was not reinvestigated because it was already deemed as resolved, verified and accurate. Therefore, Transunion has lied to the CFPB. They did not investigate or attempt to resolve my complaint. 

Both calls were monitored and recorded. Transunion should be REQUIRED to provide the CFPB with both calls. 

Also, Transunion provided IN WRITING a letter citing the bankruptcy court as the source in verifying this information. As Ive indicated in all of my disputes that are NOT being investigated, this information is false. I have spoke with the bankruptcy court and I have documentation from the bankruptcy court that they do NOT verify bankruptcies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX 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

Equifax claims to have investigate a dispute of a collections I had on my credit report, yet never provided me with information they obtained during the investigation used to substantiate the debt. I have no knowledge of the {$29.00} debt that is alleged on my credit report I owe. 

There is no means to appeal this or offer a statement through their website stating the debt is not mine and their investigation was inaccurate. Equifax appears to walk in lock-step with collections agency, as their investigation or lack of one agreed that the a 4-5 year old date of {$29.00} was correct. 

Had Equifax actually investigated my dispute, they would have obtained proof of the debt I owed and be able to provide it to me. There is no manner in which I can make this request. Instead of being transparent in their investigation, Equifax merely states we conducted investigation, verified the debt and " trust us. '' I do not trust them. Show me the proof that I owe a nearly half decade {$29.00} debt.

The public 's credit is controlled by only three organizations. Their transparency or lack thereof effects peoples ability to buy homes. cars or take out loans and use credit cards. Erroneous information which is then purportedly investigated and found to be valid without proof is a disservice to the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to gain access to my Experian account. To gain access, I need my use name and password, which I lost. Experian forces you to use an automated system to regain user name and password. That process starts with entering in your social security number and birthdate. Experian 's system has inaccurate information because my correct SSN and birthdate did not yield the access to the system to change my user name and password. The ONLY way I can contact Experian is by regular mail. There is NO opportunity to get to a live customer service agent to quickly expedite resolution to this issue. 

I have never encountered an automated system that is so hostile to assistance. This company should amend their system to offer an option to gain access to a live agent on a 24 by 7 basis.
Product: Credit card or prepaid card

I have recurring charges on my account from a removed authorized user, XXXX XXXX. I destroyed his physical card, requested a new card for myself, and set a freeze on the account. I have also tried contacting the merchant to stop charging them, but I was unsuccessful because I am not the owner of the account. 

Particularly, I want to prevent transactions from XXXX and XXXX XXXX XXXX from occurring on the account. 

I am unable to contact the authorized user.
Product: Vehicle loan or lease

I used XXXX XXXX as a credit monitoring service. On XX/XX/XXXX, I surf through the XXXX XXXX website for car rates. Unlike many credit monitoring services such as XXXX XXXX, XXXX  XXXX, XXXX, XXXX  XXXX actually have you check car rate with a possible hard pull. The verbiage was totally misrepresented and wrong on so many levels. However, I was approved for two loans that I was unaware that I had applied for. One was through XXXX ( hard pull inquiry on credit report ) and the other through XXXX ( Soft pull inquiry on credit report ). I was aware that a hard pull would take place, but only if I had applied. I was checking for car rates, which was what I clicked. At that time, there was no apply or apply here or apply now. I was mislead into believing that I was searching for rates which normally would not require a hard pull. I check for car rates all the time but never received a hard pull until XXXX XXXX. To me, this website lured me to a loan that I did not apply for which expires XX/XX/XXXX. The amount that I was checking for was {$26000.00}. I was approved for {$18000.00} at 16 % with RoadLoans.com which would have been acceptable with my credit score. I received an alert from the credit bureau XXXX that an inquiry was placed on the report. It never occurred to me that I was applying for a loan. On the same day, I contacted XXXX spoke with XXXX ( pronounced XXXX ) to cancel the loan requests. I was informed that that the loan requests will not be cancelled until XX/XX/XXXX expiration date no cancellation request required. Additionally, I ordered a copy of the Credit Report. As soon as I received the report, I contacted XXXX to dispute the XXXX ( XXXX XXXX XXXX ) inquiry. A rep suggested that I contact the creditor, so I did contact XXXX and was referred to XXXX   XXXX. I then spoke with XXXX at XXXX XXXX due to being, I feel tricked, he directed me to XXXX   Credit Agency and stated that usually some of these companies are ready to prepare a check after approval. He transferred me to XXXX who stated she would attempt to assist me on trying to help me remove that inquiry and will call me back the next day on the status. There was no call back the next day and I have an inquiry on my report that I did not authorize. I did not fully understand that even if I did not click on an apply button that it is likely that an inquiry would show up on my report. I will never check rates with XXXX XXXX again. I will not recommend and discourage the use of this website to my friends, family and anyone I can thank of. Application ID # XXXX
Product: Mortgage

I have been trying to get a mortgage modification through Bank of America making homes affordable program loan # XXXX XXXX XXXX XXXX XXXX, MA XXXX This request has been going on for over 2 years. They have lost documentation, changed associates, change people handling my case several times. There is no clear cut solution at this or any point. Please look at the history of my case and the length of time. I will try this proses one more time.
Product: Credit card or prepaid card

I have been an American Express card Holder for 11 years, recently I had a situation occur where I made a clerical error in linking my Business card to an inactive checking account because I mixed up my account numbers. This caused several returned payments to American express. However, when this happened Amex would contact me and I would make my payment to them over the phone still paying the account on time and as agreed. There was some confusion at my bank and I couldn't figure out why payments were being returned. However despite this issue I always paid the account as agreed on time. Without any warning Amex closed not only my business card account but my personal card account as well even though my personal card was in perfect payment standing. They did this without notifying me properly. When I called customer service I was routed to an office in XXXX, where there were language and cultural barriers that greatly hindered any resolution to the problem and they refused to help me. When I asked what was going on they said my accounts were flagged by an " algorithm '' and automatically closed because of returned payments. After being a loyal customer for 11 years and paying my card on time as agreed despite a small clerical error. I expect superior customer service and humans that can think and reason to address issues created by XXXX " Algorithms ''. Further when I asked why my personal account was closed too they had no viable answer.
Product: Debt collection

There's this company called Credit Control , LLC XXXX XXXX XXXX XXXX XXXX, XXXX. 
located at XXXX XXXX XXXX, XXXX XXXX, XXXX MO XXXX. 

I never headed from this people before, and never had any business issue with no one. 
now i got this letter says that i owed money to a XXXX. 

the last time i headed from XXXX was back in 10 years ago. I had a house back then. and so many mortgage companies took over the XXXX XXXX, which i lost control. 
in the house was sold on short sales which all the paper work was done. but nothing related with XXXX 

The only think i can think of it, this XXXX issue, has to be related with this house. but this was resolved long time ago.. 

Now this company must provide me with any documentation that can support this claim. 
otherwise i would then to stopped this imitate..
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THIS INQUIRY XXXX XXXXXX/XX/XXXX I DONT RECOGNIZE THESE ACCOUNTS XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( I have never paid late ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # 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. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Who certified the information to be true and factual? 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX XXXX XXXX XXXX reported a collection account on my credit. I contacted them and paid the balance in full on XXXX XXXX, XXXX. XXXX I noticed that the account remained open on my TransUnion report, so I filed a dispute indicating that I have paid my obligation and the results came back as Verified as accurate. I filed another dispute because I disagree with the results and that dispute came back with the same results. I contacted XXXX XXXX XXXX and was advised they had reported to all 3 bureaus that I paid in full and it should be removed or show closed. Then I contacted TransUnion and filed 3rd dispute. I was asked to submit a copy of my credit card statement that shows the date and the payment amount to XXXX XXXX XXXX. I just received a letter from TransUnion stating they will not be updating my account and that the information is accurate. I 'm now beyond frustrated because the other 2 bureaus have updated the information, but TransUnion refuses to update the information correctly, which is resulting in my credit score continuing to drop because of an account that had been paid off since XXXX. Its not fair because I paid my obligation and my score keeps falling because someone at TransUnion is not following proper guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report from all three bureaus my payment history is rated as POOR.

Further down my report where all accounts are listed the payment his is listed as EXCEPTIONAL. All my accounts are listed as PAYMENTS - ON TIME. 
The accounts in question are XXXX XXXX- 2 - Credit Cards CAPITAL ONE - 1 - Credit Card These payments were late because of XXXX. I did not have the virus, but 3 employees did so the restaurant shut down for 2 weeks, that was why the payments were late. 
I contract with XXXX XXXX. They are excellent. They have sent MULTIPLE letters on my behalf to XXXX and CAPITAL ONE. 
XXXX and CAPITAL ONE have contacted me several times by USPS, saying the late payments WOULD NOT be removed because it WAS NOT a bank error. 
XXXX XXXX said there is nothing they can do except sending letters. 
I filed disputes with XXXX and CAPITAL ONE and got the same response. 
I also filed disputes with XXXX, XXXX  and XXXX, got the same response, dispute declined NOT Bank ERROR. 
They told me to contact XXXX, I did, they told me by phone that they would do nothing because that the Bureaus report to them. 
If you obtain my full credit reports from all Bureaus, you will see exactly what I am talking about. 
I also want to mention that these late payments are OVER 2 years old. Prior to 2 years there were no late payments, defaults or delinquencies and since that time, none.

To report my payment history is rated poor is unfair, inaccurate resulting in a poor credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX repoted that I replied for credit in which I never heard of this company when I reached out to them they didnt have my SS # or my birth date the date they are reporting this on XX/XX/XXXXXXXX XXXX XXXX is reporting that I applied for credit I. Which I never finished the application they started reporting on XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I've had a credit card with Barclay Rewards Mastercard for 4 years. When the card was issued, my credit rating was not good so that I understood the high interest rate of 25.24 %. Since getting this card, my payment record has been excellent. Like many others, I make my payments without looking at my balance. However, when I received a payment reminder a few days ago, I realized that the last payment I made for {$110.00} didn't make a dent in the balance. When I checked further, I found that only $ 40+ was applied to principal and $ 60+ added for interest. In checking back to 2018, I discovered that I paid {$830.00} in interest, 55 % of the amount charged on my account. 

I have called, and then emailed Barclay to ask for an interest rate reduction, but it was declined. 

Since I had not used this credit card until the last couple of days, most of the charges on the account were for interest. This seems to me to be unconscionable and something should be done to stop this practice of interest upon interest, usury??? 

I have been toying with the idea of just stopping payments or filing a Chapter XX/XX/XXXX, but would appreciate it if you could help so that I won't have to take these measures.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My account with XXXX XXXX has been closed and paid in full due to a lawsuit brought on by the State AG. I received my title and letter stating, " they will have it removed from all credit reporting agencies ''. I sent the letter stating just that to the credit reporting agencies and Equifax did not remove the account. 

Can you help me? 

Thanks, XXXX
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> BK OF AMER XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Unauthorized Credit Inquiry To Whom It May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. 

Thanking you in advance, BY : XXXX, XXXX FOR : XXXX XXXX/Principal WITHOUT RECOURSE
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). I believe this information is not correct, and I am requesting that you investigate this matter promptly.

The item in question is a late payment reported by XXXX for the account number XXXX. The late payment is reported as being dated XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, and I firmly believe this is inaccurate for the following reasons : _ There may be a clerical error.

_Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal.

I would like to point out that these late payments are reported to only two credit bureaus and do not appea
r on my XXXX report. According to law, if the information is inaccurate or incomplete, it must be removed or updated accordingly.

I also wish to highlight that under 15 U.S. Code 1681s-2, furnishers of information are obligated to provide accurate information to credit reporting agencies. Given the circumstances outlined, I respectfully request that you take the necessary steps to remove this late payment from my credit report as it does not reflect the true nature of my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a high interest auto loan with a subprime lender XXXXXXXX XXXX XXXX XXXXXXXX in Louisiana in XXXX. I had a balance due after the last payment - due to taking hardship deferments. I paid the balance due over two months - around {$4600.00}. I was reported as making late payments those two months XXXX and XXXX of XXXX, even after the loan maturity date. The company also changed by date of first delinquency from my original first missed payment in XXXX of XXXX, to a XXXX of XX/XX/XXXX. They are reporting this inaccurate XXXX to all CRA 's and all disputes have been ineffective at removing this 9 year old loan that has been paid in full and closed. Please help as I have gone through the company and all three CRA 's with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX 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

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect or delete off my credit report account. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX