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

Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear Experian and XXXX XXXX  Team, I am writing to formally lodge a complaint about an inaccurate entry on my credit report related to an account with XXXX XXXX My report erroneously shows an active account with a balance of {$1500.00}, which does not belong to me. The only account I have ever had with XXXX XXXX was closed and had a {$0.00} balance at the time of closure. 

I have filed three disputesboth with Experian and directly with XXXX XXXXyet this incorrect information remains unresolved. It is clear from the report that two accounts are listed under XXXX XXXX, but only one is legitimate ( the closed account ). This error has caused significant distress and has adversely affected my ability to obtain loans and other financial services. 

I urge you to immediately correct this mistake. If this issue is not resolved promptly, I will consider taking legal action to rectify the harm caused by this inaccuracy. 

Please address this matter with the urgency it deserves. 

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

XXXX, Experian, and XXXX credit agencies have refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had two auto loans with Bridgecrest, one that was paid off early, the other since 2018. Until issues related to the pandemic, I have made timely payments. Because of the pandemic and my mother being treated for XXXX, I temporarily had unexpected closure of two of my companies and made all of my payments in a timely manner or received forbearance.

Additionally, my checking account was hit with fraud and it took over 90 days to resolve.

I was using an app called Prism to pay bills and the app malfunctioned and did not update my new banking info for drafts and did not send two payments and as soon as I got this resolved, I paid the payments. Bridgecrest has reported 2-3 late payments on loan and I asked them to, as a courtesy, given that I have always payed timely, to remove the late payment reporting from all credit bureaus so that I could be approved for a mortgage. They called saying that they are unwilling to remove the reporting. 

Since the billing issue was promptly resolved, I have made timely payments, as I had up to that point and it is completely at their discretion to do a good faith removal of the negative reporting. 

By obtaining the HELOC, I am able to pay off the auto loan and my credit cards and also purchase equipment needed ro expand my transportation company with our XXXX XXXX XXXX. Their unwillingness to make a good faith removal is hampering my ability to take care of my elderly mother and child.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 
I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX
Product: Mortgage

They told and sent us a statement saying we didn't have mortgage payments for 2 months then they were trying to Default on our home. I am now current on my loan and still being harassed. They are angry that through my chapter XXXX filling we were able to get rid of our second mortgage and ha tried all kinds of tricks to take our home even sending a statement say we had no mortgage payments for 2 months. And even telling me the same thing on the phone. All there phone calls are recorded so it would be very easy to provide. I also have the statement. Since we finished our bankruptcy 42 months payments successfully and have been discharged they have been trying to trick us and harassing us to no end my wife has XXXX and this is to much I am current on my loan can you help me please
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a refinance of my home with a cashout to reduce debt. The refinance closed on XX/XX/XXXX and I received checks to payoff the debt on XX/XX/XXXX. Comenity-XXXX was one of those accounts. The payoff amount was {$350.00}. XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX sent me check # XXXX in the amount of {$350.00} to send to Comenity-XXXX  XXXX. I mailed this check on XX/XX/XXXX with a copy of my current statement. As of XX/XX/XXXX, that check had not cleared and the payment had not been posted to my account. I had been charged a {$29.00} late fee and {$8.00} in interest. I contacted my mortgage company and told them a check may have been lost. I contacted Comenity-XXXX and told them a stop payment had been issued and I was sending a new check. This was check # XXXX and it was issued on XX/XX/XXXX. Comenity-XXXX  XXXX gave me an address to send the new check. That address was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX, XXXX. On XX/XX/XXXX I paid {$26.00} to 2-day Express Mail and get a receipt that the check had been received. I received the receipt with the signature of a representative from Comenity-XXXX  XXXX signing for the check on XX/XX/XXXX. However, my payment was not posted to my account until XX/XX/XXXX. I started receiving phone calls from Comenity-XXXX  XXXX around XX/XX/XXXX telling me I was in arrears on my account for non-payment of a debt. On XX/XX/XXXX, Comenity-XXXX  XXXX processed check # XXXX. This check was returned to them due to a stop payment being issued as the check was presumed lost. Comenity-XXXX  XXXX contacted me regarding the return of my payment. We had the conversation once again that the first check had a stop payment issued since the payment had not been recived by Comenity-XXXX  and a second check had been issued. I had receipt of Comenity-XXXX  receving the second check. I was told there was no documentation that anyone from Comenity-XXXX  had spoken to me. I was told to go to the secure message center and file my complaint in writing which I did on XX/XX/XXXX. I received a letter in the mail, dated XX/XX/XXXX that they are researching my complaint and it may take up to 90 days. It also stated I would receive notification of their findings. To date, I have received no communication with the exception of a bill showing my {$350.00} payment, check # XXXX posted XX/XX/XXXX and that I still owe XXXX in late fees and interest. I called Comenity-XXXX  today, XXXX XXXX to ask to have the fees reversed and was told Comenity-XXXX will not do that anymore. I asked to speak to a supervisor and was put on hold only to be put back into the automated answering system loop.
Product: Debt collection

IN XXXX OF XXXXXXXX, I CHECK MY CREDIT AND SAW A DEBT FROM AFFIRM, INC. FOR AN AMOUNT OF {$3300.00} I AM NOT LIABLE FOR THIS DEBT WITH AFFIRM, INC. , AS I DO NOT HAVE A LOAN NOR ANY CONTRACT WITH THIS COMPANY CALLED AFFIRM , INC .
Product: Debt collection

I Received a letter from a debt collector claiming I owe a debt to them. Company Name : Portfolio Recovery Associates, LLC. I disputed this debt with them and ask for Verification of this debt which they haven't provided me as of yet. I informed them that the information on the debt is inaccurate and that I'm not associated with this debt and to. Please Remove From my Credit Reporting. I then got in touch with the Original Creditor. XXXX XXXX  in which they informed me in writing that the debt was SOLD to Portfolio Recovery Associates, LLC.
Product: Debt collection

LJ Ross Associates Inc is a debt collector that is perpetually violating my consumer rights. LJ Ross has illegally and fraudulently parked a debt on my XXXX and XXXX consumer files. I first contacted LJ Ross on XX/XX/23, by sending a Notice for Validation of Debt request pursuant to 12 CFR {$1000.00}, as well as a cease and desist. Not only have they continued to collect a debt during the validation period, but they have even reported the account to an additional credit reporting agency, XXXX on XX/XX/23. I have only received one correspondence from LJ Ross and they have not sent me the required documents and disclosures under the law, nor have they provided me with the Model form B-1. The 30-day validation period has ended and LJ Ross Associates continues to illegally and fraudulently report this account on my consumer file and violate my consumer rights.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 
15 U.S. Code $ 1681c-2 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.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Student loan

I noticed my interest rate climbing on my loans each month. I had a fixed rate prior to Covid. Then my servicer switched ( I think due to a lawsuit with Great Lakes ). When the servicer switched, I no longer had a fixed rate. Customer service is impossible to reach, and they had all my contact information wrong, so they couldnt locate my loan even when I did contact someone. Ive asked them to provide statements from Great Lakes, which their website says they have access to, but I havent received those. I might have access to old tax documents or paper statements.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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 XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems reports XXXX derogatory account and XXXX bankruptcy on my report which is not correct and negatively affects on my credit history. I have never filed XXXX or had any derogatory account whatsoever. As a proof, I will also attach my 3 Credit Bureau report which will show no such account or public record on file. 

RE : Consumer ID : XXXX
Product: Credit reporting or other personal consumer reports

A few months ago, I examined my credit report and discovered inaccuracies regarding the EXETER FIN account ( XXXX ). This is a breach of my rights. I disputed these errors directly with the XXXX credit bureaus and the creditor, but only received generic feedback. As a result, I am filing this complaint based on my investigation. The company is violating sections of 15 USC.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Product: Bank account or service

XXXX charged my account {$12.00} even after I checked it as " Do not renew ''. This is for a XXXX account. This was paid for on a pre paid card through XXXX. I called XXXX, explained the situation and that they have done this before. They said can not refund and did n't care that I have had this situation before and been refunded once already.
Product: Credit reporting

Transunion has not removed a fraudulent XXXX account from my credit.
Product: Credit card or prepaid card

Complaint : XXXX XXXX XXXX XXXX XXXX Credit denied/No reason informed Appeal filed/No answer - XXXX Personal Credit Score : Mid 700 Personal Credit Score affected by denial No reason for denial of credit Reason may be discrimination by reason of age
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and fraud when I add money to my Cash app, it goes in, but it doesnt appear and I have receipt to show that the store put the money on my Cash app put the money on my Cash app never comes. I have spent {$200.00} to put on my Cash App card and it never got put on there. I called Cash App and they told me that I never added money on my card, but I have receipts to show that I did. Cash app specifically didnt take the time to look at my complaints in my dispute and sometimes it just takes money off my card and Ive been calling and calling and I keep telling me the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX  all are reporting that I paid my XXXX XXXX mortgage late. I did a Home Modification with XXXX XXXX. I even have a letter from XXXX XXXX that I have submitted to all three credit bureaus stating the negative information on my account is incorrect. It is still being reported as late on all my credit report. XXXX XXXX stated it would be deleted. I have disputed with all three credit bureaus who have yet to correct it. I have never paid late! 

There's also two XXXX XXXX Mortgage accounts on my report. I have never had any other mortgage. I have only had one. They gave me a new account number when XXXX was bought by XXXX XXXX but that doesn't change that fact that I've one had one account ( it isn't a new account ) and that I have never been late.
Product: Credit reporting, credit repair services, or other personal consumer reports

( DISPUTE CODE XXXX ) ( DISPUTE CODE XXXX ) My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes 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

Around 2021, I disputed the negative information LVNV Funding LLC in the amount of {$1000.00} falsely reported. I also went to court involving this matter and to have this information remove from my credit report. The judge ruled in my favor and the information was deleted. Now this information reported again. This collection agency is reporting debt that doesn't belong to me. I never had any obligation to this collection agency, nor have I conducted any business with them. This information is taunting my credit report. Please have this information removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a personal information correction letter certified mail ( XXXX ) which was received and signed for, as well as submit disputes directly on the companies website ( Experian, XXXX XXXX XXXX ) none of which have been updated. 

Also request for debt verification has been ignored
Product: Credit reporting, credit repair services, or other personal consumer reports

I established a membership with Experian. My personal information was incorrect- 4 wrong addresses and an incorrect name. It 20 attempts to reach someone by phone to get this corrected and to cancel my membership. Phone and chat were unavailable. I could reach no one to discuss an incorrect creditor