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

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of unresolved dispute with Equifax concerning inaccuracies in my credit report. On XX/XX/XXXX, I initiated contact with Equifax to address the presence of incorrect information on my credit report. Regrettably, to date, I have not received any response from Equifax. 

The following are the details of the disputed accounts and the necessary corrections : Account : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00} Issue : This account is not mine. Please remove it from my credit report. 


Account : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} Issue : This account is not mine. Please remove it from my credit report. 


Account : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Issue : This account is not mine. Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Charge-Off Reported on My Credit Report Dear Sir/Madam, I am writing to formally dispute the charge-off reported by [ Creditor 's Name ] ( Account Number : [ Account Number ] ) on my credit report issued by your agency. I believe this information is inaccurate and is being reported in violation of the Fair Credit Reporting Act ( FCRA ), which requires that credit information must be accurate, verifiable, and up-to-date. 
Disputed Item : 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 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 Disputed Entry : Inquiry Reason for Dispute : I dispute the accuracy of the charge-off and inquiries listed on my credit report. The account in question was [ state the nature of the error, e.g., " paid in full, '' " settled for less than the full amount, '' " closed without a charge-off, '' etc. ]. I believe this account is being inaccurately reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ), Section 609, I request that you conduct a thorough investigation into this matter and provide me with the results of your findings. If the charge-off can not be verified or is found to be inaccurate, I ask that you immediately remove this entry from my credit report, as it is negatively impacting my creditworthiness. 
Requested Action : XXXX. Investigate the charge-off entry with the original creditor ( or furnish the relevant documentation supporting the charge-off ). 
XXXX. If the charge-off can not be verified or is found to be inaccurate, remove this entry from my credit report. 
XXXX. Provide written confirmation of the investigation 's outcome, including any updates to my credit report. 
Please send me a copy of my updated credit report after the dispute has been resolved. I have enclosed a copy of my identification and proof of address for verification purposes. 
I expect this issue to be resolved within the XXXX period mandated by the FCRA. If you require any additional information or documentation, please let me know at your earliest convenience. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of my dispute. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

american express closed my accounts and won't refund the annual fees
Product: Credit reporting or other personal consumer reports

Equifax, a credit bureau, failed to provide an opt-out notice as is required by all financial institutions, in which I, the consumer, have the option to opt-out of having my information shared with unaffiliated third-parties. Thus, any unlawful use of my nonpublic personal information without full disclosure and consent constitutes identity theft. 

On XX/XX/, Equifax received my Notice of Identity Theft along with the required personal identification information per 15 USC 1681c-2, requesting that Equifax block the reporting of five ( 5 ) unauthorized adverse transactions from my consumer credit report. Equifax failed to comply with the statute and with my requests by failing to block the reporting of unauthorized information identified by the consumer no later than 4 business days after receipt of notice.

Equifax continues to unlawfully use my personal and financial information which included the sharing of information to unaffiliated third-parties that adversely affected my creditworthiness and resulted in defamation of my character and general reputation. 

Despite three ( 3 ) written notices sent via certified mail, Equifax continues to report damaging unauthorized personal and financial information on my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022 I tried reaching out several times and filling disputes with Experian and XXXX to update my loan balance to reflect XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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
Product: Debt collection

Previous debt owed to XXXX XXXX  was paid in full on XX/XX/XXXX directly to the original creditor XXXX XXXX. The check in the amount of {$750.00} was cashed & cleared with no issues. In XXXX CKS Prime Investments ( a collection company ) reported a collection account to XXXX, XXXX & XXXX with a balance of {$750.00}. I never received any prior communication from CKS Prime Investments & tried to resolve this issue directly with CKS staff members including managers. CKS Prime Investments refused to remove the collection account & continue to report the inaccurate balance. The credit bureaus investigation was concluded as " verified as accurate '' even though I have submitted bank statements showing that the debt was paid directly to XXXX XXXX prior to any collection activity.
Product: Credit reporting or other personal consumer reports

I never had a contract with this debt collector for any debt. Please provide proof from original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account from my credit profile XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a victim of the EQUIFAX DATA BREACH, I was offered free credit monitoring, BUT ONLY IF I AGREED TO THEIR TERMS & CONDITIONS. The XXXX XXXX XXXX granted them permission to further share my information to include marketing which I don't approve of. 

I reached out to the firm managing the settlement ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ), but got no response. 

I feel like a victim twice over... 
1 ) Original Date Breach 2 ) Having to agree to the Terms & Conditions of the settlement which further shares my information. 

This is nuts! ... who agreed to this??? 

Thank you in advance, ( name witheld )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reporting Student Loans in my name for XXXX XXXX XXXX, XXXX College, etc over {$40000.00} and {$50000.00}, that are fraudulent and do not belong to me. I have requested that the fraudulent information be removed from my credit report. 
I have had XXXX credit and this information has reduced my credit score tremendously due to fraudulent information. 
I have reported identity theft to the XXXX XXXX Police Department in XXXX XXXX, MS . 
Report # XXXX Please remove false information from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received an alert on my XXXX  credit report that shows I am 30 days past due on my td credit card. My score dropped 100 points and this is the first negative item on my credit card history. I havent used or had physical access to this credit card in years and any resulting activity or usage has went without my oversight. Please remedy this as soon as possible as this is purely an oversight due to my understanding that this card hasnt been used for several years. Please accept my apology and issue me this one time courteousy so I wont be held hostage by this one time issue in my long history of outstanding payments and usage.
Product: Debt collection

Previously filed with equifax identity theft. Account number was wrong. The account number has been corrected and moving forward if the negative items continue to be furnished on my report damages will be seeked with the help of the CFPB. Attached is my FTC report.
Product: Student loan

I have a loan through Navient. Many times they have been unwilling to work with me in regards to assisting with lowering my payments. A couple of years ago, I attempted to file for the XXXX loan forgiveness ( I am a XXXX working for a XXXX ), however they were unwilling to work with me to help start that process. I am now stuck in a graduated loan repayment, as their standard 10 year repayment costs are too much for me, as I am a single parent, and have to pay for the other aspects of life for XXXX under XXXX income. They also state I make too much money ( according to whom?? ) to assist with any other loan payment options, as they were actually more than {$500.00} a month. I just ca n't believe the costs of their loan repayments. I contacted them today about it, and they stated that their loans are through the government, and can only offer what the government tells them to. I 'm not sure if that 's their standard response now due to their impending lawsuits. I feel strongly that I have been overpaying this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX of XXXX  I got Mortgage forgiveness because of Covid-19. However, ShellPoint Mortgage services reported late payments on two of the 4 properties I have a loan on from them. Because of this mistake on their part it has effected my Credit score in a dramatic way. I am not able to get a construction loan for the house I am building and I am paying out of pocket. I received a letter from Shellpoint XXXX XXXX stating that they have sent the credit bureau 's a letter of deletion for those late payments, stating that they should not have been marked as late. Nothing has changed on my credit score and they are still showing up as negatively effecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the alleged debt with Experian. I have sent two certified letters, which I will attach. Additionally, no information was provided to my by Experian. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. Please provide me with the name and information used to verify my debt as accurate. 
The creditor is : XXXX XXXX XXXX. Account number : XXXX The original information reported and verified by Experian is not even correct. Not only do I NOT OWE XXXX  anything, but the are reporting incorrect information.
Product: Checking or savings account

My checking account was defrauded out of $ {$950.00} out of a fraudulent company .Golden 1 told me They are. It responsible for the loss since I invertly gave them my account number.
Product: Credit card or prepaid card

This particular balance transfer was placed on XX/XX/XXXX from my HSBC account for {$4000.00} towards my XXXX XXXX credit card balance. This balance transfer has yet to be applied to my XXXX XXXX account balance according to my XXXX and XXXX statements, however the funds are represented on my HSBC statement since early XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I got this secured credit card. I had some legal issues and was unable to pay it. Once I got back on my feet In XX/XX/XXXX I called Wells Fargo to get the account fixed. The person I spoke to said they would delete it from my credit report if I paid. I paid the full amount, I did not try and pay less. Now Its still on my XXXX report a year later and its the only thing thats really impacting my score. I have tried repeatedly to get them to delete it and they refused yet I did what we agreed on the phone. They also kept all money that was used to secure the initial credit line. 

It's also effecting my ability to get other Wells Fargo cards as I now have a 680-720 credit score ( lower is because of this )
Product: Credit reporting or other personal consumer reports

I asked them to update my card as a credit card and not a charge card. It's not a charge card, i have a credit limit which is {$750.00} but have since closed this account. They need to not report this account as a charge one when it's not. They did not change anything on the report for this item. Experian is difficult to deal with i have come to find. I guess they don't have to obey laws and can continue to report false information on my report. Dispute report is XXXX
Product: Debt collection

I am writing to file a formal complaint against LVNV Funding LLC, care of Resurgent Capital Services L.P., for their misleading practices and potential violations of federal laws, specifically the Fair Debt Collection Practices Act ( FDCPA ). 

According to my credit reports from [ Credit Bureaus : XXXX and XXXX ], LVNV Funding is listed as a factoring company on listed accounts : LVNV FUNDING LLC XXXX, LVNV FUNDING LLC XXXX, LVNV FUNDING LLC XXXX. However, they are not a factoring company ; they are a debt collection agency. This false representation is deceptive and harms my financial standing. As a result of their inaccurate reporting, I am facing undue financial distress and harm to my credit profile. 

Violations Involved : Fair Debt Collection Practices Act ( FDCPA ) Violation ( 15 U.S.C. 1692e False or Misleading Representations ) : LVNV Funding has violated the FDCPA by misrepresenting themselves as a factoring company rather than accurately identifying themselves as a debt collection agency. The FDCPA prohibits the use of any false, deceptive, or misleading representation in connection with the collection of any debt. 

Fair Credit Reporting Act ( FCRA ) Violation ( 15 U.S.C. 1681s-2 Responsibilities of Furnishers of Information ) : LVNV Funding is providing false and inaccurate information on my credit report, in violation of the FCRA. Under the FCRA, companies that furnish information to credit bureaus have a legal obligation to provide accurate information and promptly correct any inaccuracies. 

LVNV Funding LLC purchases delinquent debt accounts at a significant discount and attempts to collect the full amount from consumers. This practice aligns with the definition of a debt collector under the FDCPA, not a factoring company. Factoring companies purchase accounts receivable and contracts, not delinquent debt accounts. By misrepresenting themselves as a factoring company, LVNV Funding LLC is attempting to evade compliance with the FDCPA and avoid lawsuits stemming from their failure to follow the rules. 

I request that the Consumer Financial Protection Bureau investigate LVNV Funding LLC and Resurgent Capital Services L.P. for their deceptive practices and ensure they comply with all applicable federal laws, including the FDCPA. Their actions have caused significant stress and confusion, and it is imperative that they are held accountable for their misleading practices. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is filed against TransUnion, XXXX, and XXXX for reporting incorrect information, non verifiable information, and incomplete information on a account all 3 are reporting which violates the FCRA and due process of federal law. The said account at issue is called XXXX XXXX under account number XXXX. A dispute was filed with all 3 bureaus and my dispute was denied and information in all 3 reports was considered to be correct/ accurate and verified. A copy of the consumers smart credit 3 bureau report is included in this complaint to verify all errors and discrepancies on this account. All reporting errors are as follows : 1. Both TransUnion and XXXX report a high balance of XXXX. XXXX reports a high balance of XXXX. All can't be correct. 2. All three credit bureaus report different dates of last activity. TransUnion reports DOLA as XXXX. XXXX reports DOLA as XXXX. XXXX reports DOLA asXXXX. All differ and can't be correct or verified as accurate. 3. Both XXXX and XXXX report payment amounts as 0. TransUnion reports payment amount as XXXX. 4. Both TransUnion and XXXX report date of last payment asXXXX. XXXX reports last payment date as XXXX. 5. XXXX report says last payment made was in XXXX. Contrary on same report under 7 year payment history calendar that last payment was made in XXXX and that in XXXX, account was closed and in collections. 5. XXXX reports that last payment made was in XXXX. Contrary on same report, it shows under 7 year payment history calendar that last payment made was in XXXX and that in XXXX, account was 30 days late. 6. TransUnion report shows 0 90 days late. XXXX report shows 1 90 days late. XXXX report shows 4 90 days late. All differ and can't be correct. 7. XXXX payment history calendar shows in XXXX of XXXX that account was paid/O.k.. XXXX reports 30 days late in XXXX of XXXX. Both can't be correct. 8. XXXX report says account was 30 days late in XXXX of XXXX. XXXX reports account was 60 days late in XXXX of XXXX. Both differ. 9. XXXX report says in XXXX XXXX account was 60 days late. XXXX report says in XXXX Of XXXX account was 90 days late. Both differ. 10. Both XXXX and XXXX reports are missing date account was closed. 11. Both XXXX and XXXX reports are missing Date last verified also.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXXXXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to the credit bureau reports, in writing... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. V lid i f d d Mi i Mi di d S i 807 ( 1 ) XXXX XXXX XXXX # XXXX Validations of date and Mini-Mirandi under XXXX ( 1 ) XXXX  XXXX XXXX # XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX  XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXXXXXX XXXX is in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report. XXXX  XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I sent a certified dispute letter ( with return receipt ) to Equifax requesting the removal of inaccurate debt being reported on my account. On XX/XX/XXXX I received a letter from Equifax requesting verification of identity. I sent the verification information, a copy of letter received from Equifax, as well as dispute letter to ensure all necessary information was received on XX/XX/XXXX. On XX/XX/XXXX I called Equifax to ask how to upload of copy of the XXXX tracking information to show the dates mail was received ; signed for, and inform them the requested items were well over the 30 day verification timeline, and the items must legally be removed.
Product: Student loan

I am being charged {$310.00} a month in interest, where I signed up for 0 % payment for the last five years my balance went from XXXX to XXXX all in interest on XXXX  payment income agreement.
Product: Money transfer, virtual currency, or money service

On XX/XX/19 I have made a wire through XXXX to a company for the amount of {$1300.00}. 
Instead of sending the wire XXXX I sent it to XXXX ... but it was sent under the name gems and diamond broker as a company ... as you can see the last digit is incorrect.. I have contacted Bank of America and they claim its out of their hands and the only thing I can do is contact the number and beg to get my money back but the number is off..
Product: Payday loan, title loan, or personal loan

The interest is very high and almost unmanageable with my fixed income. I did send XXXX  XXXX a copy of -My Award letter. 

Loan Disclosures : Annual-123.99 % Finance Charge- {$7100.00} Amount Financed- {$2500.00} Total Payments- {$9600.00} Payments- XXXX Amount- {$260.00} LEGAL ARGUMENT : The federal SCRA allows service members to cap the interest rates on most of their preexisting loans or obligations at 6 % per year while on XXXX XXXX. The 6 % interest rate cap applies to mortgages, credit cards, car loans, other installment loans, and some student loans. " Interest '' includes fees and other charges.
Product: Debt collection

I get called daily from this company which I have since blocked. I still get notification of blocked calls and voicemails my phone just does not ring. The company is MiraMed Revenue Group. The phone number that they use to call me daily is XXXX. 

They always leave the same message which is that I owe a debt and need to contact them. I have answered the phone calls numerous times telling the company to stop contacting me to which they did not and led me to blocking the phone number.
Product: Credit reporting or other personal consumer reports

I requested a 1099C and have not received it. Yet they are still reporting on my Consumer report as charged off and I still owe the loan. They also are garnishing my paycheck XXXX XXXX