23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have disputed an account on my credit report with Transunion over XXXX times in the last six months. I advised Transunion that the information the US Dept of Education is reporting is incorrect. US Dept of Education is reporting that I have a monthly payment of {$3400.00}. I have also disputed this with the Dept of Education. The loan amount is only $ 4K so how can you have a payment of {$3400.00}. Transunion is not verifying this information as the last time I called in to dispute was XXXX/XXXX/2015 and transunion completed the dispute and emailed me on XXXX/XXXX/2015 with no change to the account. This action is causing me to look like I have high monthly payments and is causing me to be denied credit. The FCRA requires that information reported is accurate and detailed. I plan to contact an attorney to see about possible litigation against Transunion if this is not resolved. The other bureaus does not show a payment for this account.
Product: Debt collection

The Law offices of Mitchell , XXXX XXXX XXXX XXXX XXXX , XXXX , TX XXXX  , filed a collection account with XXXX XXXX on XX/XX/2017 . This has just come to my attention this morning . They claim that there client is XXXX XXXX XXXX . I do not owe any money to these entities !
I do not have an account with XXXX XXXX XXXX , I never signed any credit application nor did I guarantee payment of any nature to XXXX XXXX XXXX .
I did not submit my social security number to XXXX XXXX XXXX or this alleged law firm . I have not seen any paperwork supporting any claims , I have had no explanations , I have received no phone calls , just a bold faced lie publish on my credit report .
I am outraged that someone in this day and age can file a false claim , invade a consumers private credit report and publish false claims resulting in public embarrassment and tarnish ones reputation .
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX my credit score has been decreasing a lot I was in XXXX - XXXX range and I couldnt figure out why considering I only have 1 missed payment and I closed that account, after awhile I looked at my XXXX credit report and seen a personal loan took out in my name XX/XX/ for XXXX. This company is called Transform Credit Inc, when looking it up you can see many others have left bad reviews on this for scam/fraud/identity theft. My credit score is now below XXXX. Please help boost my credit score where its supposed to be and remove this account from my credit report.
Product: Checking or savings account

On XXXX XXXX on XX/XX/2022 I received a SMS text message advising me that my balance in my account was - {$52.00} as of XXXX XXXX. I went and made a deposit of {$100.00}, less a {$40.00} withdrawal, for a total of {$66.00} being put in my account that day in the ATM in back-to-back transactions ; all before XXXX XXXX. The next day on XX/XX/2022 I was assessed a {$35.00} overdraft fee ( for a credit card bill payment transaction for {$100.00} I initiated on XX/XX/2022 ). 

*sighs* Once again, the bank is stacking all of my transactions to rearrange them so that a overdraft fee happens. But I don't understand why they would do that if they are operating in good faith / legitimately, as when they notified me on XX/XX/2022 of my negatively, I went and made a deposit ASAP to bring my account positive. I can only react off the information they give me. 

Please have them refund me the {$35.00} immediately, thank you.
Product: Credit reporting or other personal consumer reports

Upon receiving my credit report I was brought to attention of 2 Collection account from the same company ( XXXX XXXX XXXX  ), I nor any one in my Household has had service 's from XXXX XXXX ( Original Creditor ). I have requested documented proof to validate the account by mail. XXXX, XXXX and Experian has ignored my requests and I would like this account to be removed from my file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX, XXXX and Experian I would like for my late payments that you put on my credit report to be reversed to on time payments. As soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past year and a half I have personally been trying to clean up and manage my credit. My credit is at its worst right now but as soon as I start having items removed for violations or even debt paid in full a random item happens to appear. 

About XXXX months ago this item has appeared out of know where on my credit. I have no clue who XXXX XXXX XXXX is nor have I ever done business with this copy. 

So I sent a Validation of Debt to the address provided by XXXX, XXXX, and Equifax but only to have the mail returned. How can this company randomly put a item on my credit report and have a incorrect address? How can XXXX, XXXX, and Equifax allow this? I then send a proof the letter was returned to me to all three major credit bureaus. 

The account was never properly investigated if it were investigated at all. The all came back verified. How can you verify this company with they are not reporting a correct address on top of not having a phone number listed? 

I have a new born baby less than XXXX months old. How am I suppose to purchase a new car so I can get him to his new XXXX XXXX XXXX?
Product: Consumer Loan

In 2007 my ex-wife and I XXXX. I had XXXX vehicles under my name which were with Ford Motor Credit as the cosigner, and XXXX XXXX XXXX which I was the primary. The XXXX proceedings lasted almost XXXX years. On the last day of the court proceedings I communicated with both creditors trying to salvage my credit as best I could. Both FMC and XXXX gave me no special treatment, their only advice was to pay both of the accounts in full by the close of the day, and the accounts can be removed from my credit bureau file after XXXX years has past from the first deliquent reporting which was XXXX 2007 for XXXX, and XXXX 2007 for FMC. I agreed with both and settled both accounts immediately. The total pay off for both accounts was over {$30000.00}. The XXXX years has now past, and I have disputed the information with all three credit bureaus stating the allotted time has past and the accounts were paid in full. The returning investigation shows that the derogatory information has n't been removed but only updated. The first delinquency for the months of XX/XX/XXXX and XX/XX/XXXX 2007 now have been blacked out and report back " NO DATA ''. I have contacted both creditors asking why they have n't held up to the agreement made on the last court date. I have suffered with this on my credit report for the XXXX years, paid higher interest rates on everything I borrowed, or saved until I could pay cash long enough in the eyes of the law governing the credit reporting process. They have now changed the information in my files by deleting the XXXX delinquency, and therefor keeping me suffering with this on my file. Why and how are they able to do this? Are they able to do whatever they want regarding my information? They have to hold up to their end of the agreement and release me from my suffering. 

Ford Motor Credit Acct # XXXX # ending in XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Since XXXX I have been asking Experian to correct the information it issues in my credit report, I called their telephone center and they told me that they can not help me that way and that I must send a letter attaching the information of my documents, I sent them the letter With everything they indicated that I had to attach, I am already on my fifth letter and I have not received a response from them at any time and they still continue to report information that is not mine, I only have XXXX  NUMBER XXXX, I do not know where they have taken other information from but in my report the following number appears as XXXX XXXX, additionally I requested to investigate the accounts they report because they are incomplete and incongruent. But to date there is no response or changes in my report
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 


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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian dispute file upload page cited error. Automated phone machine never connected to representative to discuss dispute and upload options. Do not believe mail was received before dispute decision was made. Decision for account to remain is in error because account was paid per lease agreement. In August 2020, the property manager at XXXX XXXX, XXXX XXXX, entered the apartment to make it uninhabitable and re-entry was not permitted.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX  XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$4000.00} XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to dispute a student loan that was taken out fraudulently in my name. This loan did not properly follow the Truth in Lending Act ( TILA ) by failing to fully disclose the variable interest rates and other key terms. I dont think inshould suffer with this new law.
Product: Debt collection

Recently I suffered a leg injury which has prevented me from returning to work and living on fixed XXXX XXXX  payment. I was informed by a co-worker via text messaging of a phone call recrived by my employer which was made by XXXX XXXX XXXX XXXX. Previous to becoming injured I had imformed this agency that the number they had was that of my workplace and that it was against company policy to take non emergency personal calls. At which point I asked this agency stop making phone calls to my place.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and other income deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) asit requires timely access to funds. This situation raises concerns about the consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
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. 5 U.S.C. 1681 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

My social security number has been stolen and is circulating on the deep web. I have reached out to Bureau of Medical Economics and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX credit score is now in the XXXX XXXX because some how my information got out and someone took advantage of it. I haven't been to the hospital since I was a child. I am looking to get this collection account removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX on XXXX XXXX XXXX about my credit card not being reported to Transunion and XXXX. They open a investigation. I got a letter XX/XX/XXXX saying my information being reported was inaccurate and that it was be fixed in 10 business days. I called XXXX 's in XX/XX/XXXX and they say they were reporting to all 3 bureaus and to call the credit bureaus. I called the bureaus and they said they have no information being reported and XXXX needs to call them. I called XXXX XX/XX/XXXX and talked to a gentleman that called the 2 bureaus Transunion and XXXX. They told him they were receiving the information but they took the account off in XXXX because of fraud and they refuse to put the account back on my report. This isn't fair to me. I can't buy a house since they won't report. I show no history of reporting accounts.
Product: Debt collection

I have XXXX XXXX accounts on my credit report ( XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX and XXXX XXXX XXXX ). I have made several attempts to dispute these charges because when i called the collection agency ( Midland Credit ) they very first told me i was no longer obliagted to pay and try to settle the debt and sent me formal letters of deletion in the mail. However, i can not find these letters. That was XX/XX/XXXX. Just recently on XX/XX/XXXX i attempted to call XXXX XXXX  because this is the address that shows up on my credit report as lender info however the representative told me there was no record of collection agency that it was sold to and that it normally sells to Midland credit so i called there. The representative at Midland credit agency, when i gave her my social said that there is no information on file coming up by my social and that i would need to contact the legal department there on Monday morning. i should not have to carry around debt that i am not able to settle because my accounts can not be found anywhere.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXXXXXX XXXX XXXXXXXX and saying I owe a debt that has already been resolved through a cease and desist. ICR advised to handle the situation with XXXX XXXX which I did and they cease and desist from any collections. Please see complaint number XXXX from XXXX. XXXX XXXX  XXXX needs to stop harassing for a debt I do not owe and stop illegally obtaining my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my consumer report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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 instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with correction of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Checking or savings account

Tried to access XXXX app to play the lottery. Went to fund my account by signing in to capital one. Capital one is blocking access to my account and I can not fund my account. Not asking for much ... only a few dollars per week.
Product: Debt collection

I recently reviewed a copy of my credit report. I was shocked to learn. I have been a victim of identity theft I found numerous counsel on my credit report. They were not open by me. This has been hurting me as I am in process of buying a home for my family please remove the couch from my credit report as soon as possible.
Product: Debt collection

XX/XX/2021 I sent a debt validation letter to IC Systems. The letter was received by their office XX/XX/2021 via certified mail. 

I did not receive a response within 30 days ( Post Marked XX/XX/2021 ). 

XX/XX/2021 I sent a default letter to IC systems. The letter was received by their office XX/XX/XXXX via certified mail. 

I have not received a response with the 7 days indicated on the XX/XX/XXXX, letter ( Post Marked XX/XX/2021 ). 

IC Systems continues to report false and erroneous information to the three major credit bureaus while choosing to refuse validation of the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my husband 's CFPB complaint XXXX ( XXXX XXXX ), he stated that Experian continued to include on their credit reports a XXXX home equity line of credit ( HELOC ) account that was included in a XXXX XXXX XXXX that was filed over 7 years ago. Based on the XXXX XXXX filing date of XX/XX/XXXX, this item should no longer appear on his credit reports and should have been removed 7 years after the XXXX XXXX XXXX filing date. To make matters even worse, the Experian credit reports stated that the account would stay on the reports until XXXX which is over 12 years after we filed for XXXX XXXX XXXX and perhaps coincidentally 7 years after our XXXX XXXX was discharged. Via his CFPB complaint, my husband successfully had the XXXX HELOC removed from his credit reports. As the HELOC account was a joint account with me and husband and the XXXX XXXX XXXX was a joint bankruptcy with me and my husband, I am in the same exact situation as my husband. Thus, as with my husband 's credit reports, the XXXX HELOC should be removed from my credit reports for the exact same reason as my husband. 

I specifically want to point out an attachment titled " Letter from XXXX Dated XXXX '' in which XXXX verifies that this account was included in our XXXX XXXX XXXX  that was filed on XX/XX/XXXX and discharged on XX/XX/XXXX. However, XXXX states that they correctly reported as " Paid in settlement '' at the time of our bankruptcy discharge even though they admit the settlement was our XXXX XXXX discharge. My husband stated to XXXX that an account discharged in a XXXX XXXX XXXX  should appear on our credit reports as something other than " Paid in settlement '' but they disagreed. XXXX stated in its letter and in phone calls that we need to contact Experian directly if we want to dispute how the account appears on our credit reports. 

I am also attaching to this complaint all of the documentation my husband included in his complaint. Most of the documents were attachments to the letter titled " Cover Letter to XXXX XXXX '' in which he initially complained to XXXX about the reporting of the account.
Product: Mortgage

XX/XX/XXXX - Started new job in Arizona due to losing one in Michigan XX/XX/XXXX Spoke with Bank of America Customer Service about options to sell home in Michigan XX/XX/XXXX Loan modification already done so transferred to me short sale department XX/XX/XXXX Sent letter of explanation to BOA as to what the intent for the property was XX/XX/XXXX Sent letter to BOA giving permission for them to speak with realtor XX/XX/XXXX Sent short sale packet to BOA XX/XX/XXXX XXXX ( realtor ) sent documents for signatures so he could list property as short sale which led me to believe BOA approved the short sale XX/XX/XXXX I called BOA regarding progress of short sale via short sale department XX/XX/XXXX I was informed BOA transferred our loan on XX/XX/XXXX to XXXX Mortgage XX/XX/XXXX I called XXXX XXXX  and was transferred to account department and told loan counseling department I had a realtor. I was told to send 3rd party authorization for realtor to speak with XXXX. XXXX informed me I had to start all over with short sale proceeding due to BOA not transferring any of the paperwork over I had sent in XX/XX/XXXX. 
I worked with BOA to get them the requested documentation in a timely manner. I was under the impression a short sale was underway considering the realtor was now involved, had contact with BOA and sending paperwork regarding seller disclosure. It was a great disappointment to find out I may have to begin the process all over again after being led to believe the home was listed already. I did everything in my power to get this taken care of by the end of XX/XX/XXXX. I was even contacted by BOA a few times regarding the account and I informed them the home was in short sale status. At no point in time did anyone from BOA inform me of anything different. It appears as though BOA dropped the ball on the short sale, failed to keep me informed of where we were in the process and then transferred the account without transferring the short sale packet I had sent as if absolutely nothing had been done with BOA for a short sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following account two ( XXXX XXXX XXXX accounts are reporting under my name, which are not mine, these are someone elses information reporting under my name, and could be an ID theft issue which i have been disputing with equifax who have not been helpful at all. please as a consumer i need you r help to have these inaccurate two loans removed from equifax credit reporting, appreciated