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

XXXX XXXX XXXX XXXX XXXXXXXX stated that when I pay off the balance they would connect the credit bureau to have the late payments removed or changed to current on my credit report. XXXX XXXX XXXX also stated that they would send me a letter with that information because I informed them that I am buying a home, and the lender said I can't report any late payments within 12-24 months. 

In XX/XX/XXXX, the balance was paid, and XXXX XXXX XXXX sent a letter showing the payment in full. XXXX, the representative I was working with, communicated via email that he was contacting the loan company and the credit bureau to update my account and remove or change the two reported late payments. 

In XX/XX/XXXX, I noticed that XXXX and XXXX changed the status to paid in full, and the late payments were current. XXXX only updated the report to paid in full. I disputed the report and informed them of what the status should be and what was told to me by the collection company. I contacted XXXX XXXX XXXX  about the issue in XX/XX/XXXX ; they stated they couldn't do anything to contact Total Loan Service. I contacted Total Loan Service, and they stated that they couldn't do anything because they sold the account to the collection agency XXXX XXXX XXXX 

I called XXXX XXXX XXXX and spoke with XXXX again, and he stated that they did their part and there's nothing they can do. XXXX XXXX XXXX  or TLS needs to contact the credit bureau to make the changes. 

XX/XX/XXXX, I contacted XXXX to check on the dispute that I submitted on XX/XX/XXXX, and they said they were waiting on any updates and that they see no late payments reporting. My lender does a soft pull and sees the two late payments reporting. I contacted XXXX again on XX/XX/XXXX. I spoke with another lady, and she stated that the two late payments are reported, and there is nothing they can do because they did update the report as was told to them, but not the late payments. I would need to upload any documents to support what I am saying. 

XX/XX/XXXX, I contacted XXXX XXXXXXXX XXXX TLS, and XXXX XXXX XXXX, and all three companies were pointing the finger at each other. I'm afraid that no one is trying to help me with getting the two late payment statuses updated so I can proceed with purchasing my home. I contacted XXXX again, and another lady said she didn't see any late payments reported. I told her they were showing on our end, and she said she could do nothing.
Product: Credit reporting or other personal consumer reports

In accordance with the Federal Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account nameS : XXXX XXXX XXXX, MIDLAND CREDIT MANAGEMENT, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I looked at my XXXX credit report on XXXX XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are suppose to 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

AforcedinsurancepolicywasplacedonmyaccountwithXXXXXXXXintheamountof{$1200.00}.Iattemptedtomakepaymentsof{$220.00}ontheaccountuntilitwaspaidinfull,buttherepresentativeadvisedmethefullamounthadtobepaid.Thiswasthecurrentamountofthemortgagepayment.Afewmonthspriormymotherdied,andIwasdoingthebestIcouldonmyaccounts.TherepresentativeadvisedmethatmymaturitydatewasXX/XX/XXXX.Iliterallyspokewith30representativesonarecordedlinetogetthispaymentissueresolvedoverathreeweekperiod.Finally,threeweeksintothematuritydatearepfromXXXXXXXXadvisedmetowriteasettlementletterintheamountof{$500.00}.Iasked,"Doyouthinktheywillacceptmyofferandshereplied,"Ihaveseemthemdoitinthepastandyes.''Shealsoadvisedmethatitwilltake30daysbeforeIreceivearesponsefromthemandIsaid,"Okay.''Forty-fivedayspastmymaturitydateIreceivedaletterfromXXXXXXXXdatedXX/XX/XXXXacceptingmysettlementofferfor{$500.00}.Thecompanygavemeanother30daystopaytheamountinfull.TheamountwaspaidinfullbeforetheduedatewhichwasXX/XX/XXXX.Theletteralsostatedthatafterwereceiveyousettlementamount,wewillconsideryourloanpaidinfullbalance.Wewillreportyourloantothemajorconsumerreportingagenciesas,"[a]ccountpaidinfullforlessthanthefullbalance.ThestatementdoesreflectonmyXXXXandEquifaxreport.MyEquifaxreportreflect60dayslateandaccountpaidforlessthanfullbalance.MyXXXXreportreflect60-89dayspastdueandaccountpaidinfullforlessthanfullbalance.ThelatepaymentswerenotthetermsontheletterfromXXXXXXXXwhichwasdatedonXX/XX/XXXX.IhavespokenwithaXXXXrepresentativesincethisoccurredtryingtogetthisissueresolved,buttonoavail.Differentrepresentativesadvisedmedifferentinformationaboutmyreportinginformationtothecreditbureau.Oneadvisedmethatthiscanberemoved,buttonoavail.IalsohavewrittenagoodwilllettertothecompanyandfaxedittoXXXX,buttheydeclinedmyrequest.Mylastconversationwastoday,XXXXXXXXandtherepresentativespokewithtwodifferentsupervisorsandheadvisedmethathissupervisorsstated,"Becausemyaccountisclosedtheywillnotinvestigatemyaccountandtheycannotchangethewayithasbeenreportedtothecreditbureaus.IhavebeenmaintainingtwoaccountswithXXXXXXXXformerlyXXXX,XXXX,andXXXXandtheyhaveneverhadtoreportmyaccountslatetothecreditbureaussinceXXXX.Ivaluemycredit,andthishavestoppedmefrompurchasingahomebecauseofthereportingonmycreditreport.IalsohaveacreditscoreofXXXX.Pleasecanyouassistmewiththismatter.Thankyouforyourtime.
Product: Debt collection

I reached out to the company requesting to settle and do a pay to delete. They responded declining the settlement offer. Several months later I logged into there portal and selected one of the TWO payment options listed. I selected payment option one and made payment. Well they processed my payment however they reported to the credit bureaus that I had a remaining balance of {$43.00}. I immediately sent an email advising that I settled the debt under there terms which was a 20 % difference & the debt would be considered Paid in full Well bc they did not update accurately I sent an email advising them of the error and was advised that it would be updated to paid. Well on yesterday I received a notification of a NEW COLLECTION ACCOUNT with Amsher, this is incorrect, I then sent and email on yesterday right after I received the notification requesting the account to be deleted due to there consistent error of updating the account with incorrect information. I received an email on today to advise that the account was updated in other words correctly also in my email that I sent I attached where clearly it says NEW ACCOUNT. Now on today I received another notification of a New Collection Account.
Product: Debt collection

I have attempted to contact Credit Collection at XXXX and no one answers I sent 2 certified letters to Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX and an alternate address that was reporting on my credit file : Credit Collection XXXX XXXX XXXX XXXX, MA XXXX and I have yet to receive a response on my request to verify this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

THE INACCURATE ACCOUNTS DISPUTED FOR EQUIFAX - 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

I filed 4 disputes with synchrony bank for my refund with XXXX. From what I understand the third dispute, Syncrony automatically denied it and wouldnt even consider going ahead with it. I finally contacted XXXX for a second time six months in the running and found out that they had did a manual refund six months earlier that didnt go through for some reason so today I received an email that the refund has finally gone through. I have no idea why synchrony bank could not accomplish this refund with XXXX  other than being totally incompetent. From what I understand synchrony bank is telling me that they have to report the re-disputes to the credit bureau. Well, I am reporting that synchrony bank is incompetent and there are disputes obviously because I managed to get my refund myself when I contacted XXXX for the second time six months later. I have three credit cards through synchrony bank and plan on closing all three of them. I no longer plan on doing business with synchrony bank whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #. XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX ( USPS ) According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's 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. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 
Accounts : XXXX XXXX # XXXX Account : XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was previously removed by all three credit agencies equifax, XXXX and XXXX.There is someone with a similar name as mine and some of there credit items are being reported on my credit report, this item was removed from my report and placed back on my report without my knowledge.I was not notified that this was placed back on my report nor did I received verification or validation that I asked them to send me verifying that this is my account so the account was removed.Then it was later placed back on my report. 
Agency : XXXX XXXX Original creditor : XXXX XXXX XXXX balanceXXXX account # :XXXXxxxx
Product: Credit reporting, credit repair services, or other personal consumer reports

I just check my credit through XXXX  's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, XXXX  and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX  stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have been have problems with this for about a year, Equifax has refused to take off, information on my credit file that doesn't belong to me first off, i have submitted several documents of my address, and they refuse update info. I have even submitted paperwork of Identity Theft, and again no update of my file. I'm trying to buy a home and this has really affected my ability the get the proper credit needed for that ...
Product: Money transfer, virtual currency, or money service

Fraudulent account activity A virtual card was fraudently used. Tried to cancel this within 24 hours and was told they could't cancel it
Product: Debt collection

When living in my home at XXXX XXXX XXXX in XXXX XXXX, Ohio, I was evicted by XXXX which later was sued. When leaving the home, I contacted XXXX XXXX to let them know I was leaving the home and would not be residing in the home any longer. I was advised by the customer service representative to leave the gas on and someone would follow up, so not to let the gas lines " Burst. '' I did so, then received this utility bill which continues to show on my credit report as a derogatory mark.
Product: Credit reporting

My wife 's SS number used on my report ( personal information ) on the trans union credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Dear XXXX XXXX XXXXXXXX XXXX XXXX XXXX, oh XXXX I m writing to you to request a correction of the following informations that appear on my ( Equifax, XXXX  and XXXX  ) consumer  reports. 
Balance {$75.00} ( XX/XX/2019 Balance {$710.00} ( XX/XX/2019 )
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report as far back as XX/XX/scrub> XXXX XXXX and notice some things are incomplete and inaccurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. This account XXXX XXXX XXXX XXXX ] is not accurate. 

Inaccuracies for XXXX XXXX XXXX XXXXXXXX ] includes the 24 month payment history which is not accurate.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
Product: Student loan

Dear Commissioner, I am writing this complaint letter because I have contacted Navient on numerous occasion for Navient to remove and update my credit report with all the major credit reporting agencies because the information Navient is reporting is incorrect and inaccurate. Navient is in violation of the FCRA Section 623 ( a ) ( 3 ) and FDCPA Section 807 ( 8 ) and FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) for reporting inaccurate information. The limitation statue has expired and Navient is refusing to remove all my student loans with all the major credit reporting agencies which causes my credit score to decrease. All my students loans I had with Navient has been closed for the past seven to ten years. 
Let this be my formal complaint against Navient. The following account is the items Navient has refused to investigate and remove. 
Account No. : XXXX. There are about XXXX or more items under this account number. 
Sincerely,
Product: Credit reporting or other personal consumer reports

Im issuing a Notice of Impending Litigation. Ill attach the official document to the attachments along with supporting documentation. Ill also be sending the Notice of Impending Litigation to the registered agent listed for Experian through the Secretary of State along with the Federal Trade Commission as a formal complaint thatll be used as evidence pending litigation if this agency fails to comply with this offer of settlement.
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 XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 

XXXX XXXX  {$590.00} XXXX/XXXX {$0.00} ( In collections ) XXXX XXXX  XXXX {$49.00} There are no contracts, no valid claims ... accounts were settled with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Credit card

I disputed with all three credit rating agencies and American Express, a charge-off/write-off posted by American Express on my credit report. I provided proof of payment that brought my account current as well as paid double the amount of my minimum payments each month. Some payments were made directly on Amex and others as direct withdrawal via their agent XXXX. I was told by Amex 's agent that as long as I kept my account current and paid the amounts agreed upon, Amex would not take any further action. It was understood that I was not to use my card until the bill was paid in full at which time I could use the card again. During this time I was able to make payments directly to Amex Website as well as have automatic withdrawals. I have documentation on Amex paper showing payment of the amount to bring my account current and invoices showing bills amount owed and amount paid to american express. My account should not be in charge-off or write-off status. My account is still accessible and being paid for on americanexpress.com. In addition I am paying as posted on Amex 's website. I Had been making the agreed upon payments for over 6 months when they declared the account a charge-off.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 


These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Charges were made while I was XXXX XXXX XXXX and unable to check bills tried for a year to fix fraudulent charges. They claim I gave permission to the fraud on a non transferable card as stated ot the agreement. They sent to XXXX XXXX XXXX. Refuse to fix my credit and resolve the problem.