23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX Credit reporting companies have the correct information for the same event. 

Experian has incorrect information. I called them and they would not accept a dispute as they put XXXX of the blame on XXXX. Called XXXX. They said they never create verbage whatsoever and that the blame is 100 % on Experian. CatchXXXX. 
The matter concerns XXXX mortgages that were closed with the following statement which is listed correctly on all XXXX credit reporting companies : " Account legally paid in full of less than the full balance. '' The dispute is because EXPERIAN ( ONLY ) lists the following additional information in my FICO report under " What 's hurting your score? : 1. Serious Delinquency 2. Accounts Ever Late = 2 Critical Notes : 1. I was NEVER LATE on any account 2. I was NEVER DELINQUENT on any account I have the name and number of the high level supervisor at Experian if requested.
Product: Debt collection

XX/XX/XXXX - I was the victim of a hit and run driver. Pinning my XXXX XXXX between my car and hers causing my XXXX  to XXXX XXXX. Driver then drove off. I was XXXX XXXX and was transported by ambulance to nearest hospital. I am left with XXXX  XXXX  and XXXX. All of my medical insurance information was given to the hospital. XXXX, IL police department made no attempt to find this driver. I went through a year of medical treatment with XXXX and treatment. During this time I NEVER received one bill from this company. 
XX/XX/XXXX - I was sent and received a few days later a letter from a collection agency that this company had engaged. This was over one year after the incident. I called this agency and gave them all of my insurance information. My medical insurance refused to pay this as it was over one year, I had completed treatment, and they legally were not responsible. A few weeks later I was notified of this. I have an attorney and his name and phone number were given to them. I have {$47000.00} in medical bills. I have filed a lawsuit against my vehicle insurance, XXXX XXXX in order to get any and all bills paid and my medical insurance reimbursed for what they have paid. I have informed the collection agency of all this. However they reported it to XXXX  in order to damage my credit rating. I feel this was unjust as the ambulance company never contacted me personally in any way. Was this deliberate or just overlooked? This should be settled shortly and each and all facilities owed anything will get their money. I have cooperated as fully as possible giving them all information. Yet instead of billing me, they sent directly to collection agency over one year later.
Product: Credit card

I opened a store credit card with XXXX in XXXX of XXXX. XXXX failed to send me the credit card until XXXX of XXXX, I was unable to activate the credit card, and as a result I incurred a XXXX late payment in XXXX of XXXX that has stayed on my credit report. This is the only late payment on my credit report. I have disputed this mark several times on the basis that the creditor failed to provide me with the credit card in a timely fashion. I have also written a formal goodwill request for deletion to the creditor. The creditor claims that consenting to a goodwill request for deletion would be unlawful. The creditor is misrepresenting the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I recently received a copy of my TransUnion credit report, and I noticed a late payment and inaccurate account posted on my credit report : ( XXXX XXXX XXXX XXXX XXXX XXXX  ) I HAVE NEVER BEEN LATE ON THIS ACCOUNT XXXX XXXX XXXX XXXX  account # XXXX I was never or have been late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my acct. If you can not supply this, please DELETE these alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 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 includeSubject 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. 15 USCS 1666b also states a consumer reporting agency can not furnish an account without my written instructions, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE. Failure to respond satisfactory with deletion 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 : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX US Dept of EDXXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX, Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

Citicards is a XXXX company. They refuse to fix their Online Statement system for XXXX Americans. 

On the webpage, I am on the statement for XX/XX/XXXX. 
On the Webpage, I see charges up to XX/XX/XXXX. 
When I download XXXX XXXX, it shows Transactions up to XX/XX/XXXX. 

Then when I go back to the webpage, and do " Load more transactions '' for that statement billing period, click Download XXXX XXXX, it shows Transactions up to XX/XX/XXXX. They are cutting of the VERY Last date on the Statement XXXX download. This is an IT level system bug. They need to fix it, and stop misreporting transactions for customers. They refuse to fix it for XXXX and Minorities. Very XXXX company.
Product: Debt collection

XXXX XXXX, XXXX, XXXX XXXX  Ed financial services, also been alot of scams. 
Do not have specific amount, I recieve paper mail and email which I don't have an online set up so I am worried. The school I went to was XXXX XXXX XXXX in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requesting for the block/removal of ( 2 ) fraudulent items from my credit report. Here are the details : Date of Discovery : XX/XX/2021 Account # 1 Amount ( {$20000.00} ) Account # 2 Amount ( {$3400.00} ) Actions Taken By Me : - Filed Federal Trade Commission ( FTC ) Identity Theft Report - Filed Local Municipality Police Report - Contacted both Credit Reporting Agencies in which the items were reported ( XXXX XXXX ) - Worked with XXXX to successfully remove items in XX/XX/2021 - Put in Dispute with XXXX on XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the handling of fraudulent items on my credit report, despite numerous attempts to follow up and have them removed. This marks the seven time I am formally requesting the removal of these fraudulent items due to their fraudulent nature. 

This continued failure to address the issue is unacceptable and has caused immense stress and hardship. It is imperative that these fraudulent items are promptly removed to prevent further damage to my creditworthiness and to safeguard against potential identity theft or financial fraud. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation into these fraudulent items. It is essential to restore confidence in the accuracy and reliability of information reported on credit reports. 

I expect a prompt and satisfactory resolution to this matter and request confirmation of the removal of these fraudulent items once the necessary actions have been taken. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX  XXXX Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Balance XXXX : {$81.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX  XXXX Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$590.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Balance : {$330.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I am current disputing a debt with XXXX. While i have disputed this debt it has been referred to 2 collection agencies. I have requested verification of the debt from both collection agencies and not received any verification. Two executives have acknowledged my dispute with the money owed, but there is no indication that they are investigating this matter. 

I have filed a complaint with the XXXX of Massachusetts. They have acknowledged the dispute but they have not investigated my complaint. 

Basically last winter i called to quit XXXX. The retention specialist offered me a new discounted plan with extra channels that was supposed to cost less. My account was changed while i was on the phone. The retention specialist failed to tell me that a regional sports fee would be added to my account as well. 

XXXX : XXXX This link is from Massachusetts Cable TV Regulations 10.02 : Services, Rates and Charges Notice ( 1 ) The cable television operator shall give notice of its services, rates and charges to potential subscribers before a subscription agreement is reached.
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, IN XXXX ; XXXX XXXX  XXXX, IN XXXX ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$730.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance Owed : {$1300.00}
Product: Checking or savings account

Two bank accounts was opened in my name without my consent. 

XXXX XXXX and TD Bank approved the accounts to be opened without my signature
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported for the last 3 months we are late for payment on their account. I have been subjected to identity theft and fraud. I have included police reports to XXXX XXXX and Experian and they will not remove the item from my account. We have disputed 2 with Experian and XXXX XXXX with all the information, but they still will not remove. All creditors have removed the item from my credit report except for Experian and I am constantly harassed by XXXX XXXX to make a payment.
Product: Credit reporting or other personal consumer reports

Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. XXXX and XXXX and Equifax have violated my rights, and they violated the law, 15 USC 1681. I have written on many occasions asking them to fix the issue or delete the following due to inaccurate reporting. its reporting a balance on a paid off account and they have failed to delete or update the account. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

Thank you so much for the professionalism and patience in responding to my inquiries. 

My accounts were correctly enrolled into the SAVE program, but I noticed that I was placed into an involuntary IDR Proc Admin Forbearance that I did not request. It is my understanding that interest will capitalize on my account while under forbearance. I requested a forbearance removal on XXXX. Through a phone call to your wonderful reps, a supervisor was requested to review the account and it was confirmed that the forbearance removal was submitted, but that it will take almost 30 days to process that removal. 

As this was an involuntary forbearance, I am seeking resolution on any capitalized interest accumulated while this status affected my acccount.
Product: Credit reporting or other personal consumer reports

The American Express XXXX XXXX XXXX never change and they are showing higher balances then they are hurting my credit. This is to be updated monthly on the XXXX of the month and doesn't update. 
Please reach out to Amex and ask them to update this card information. Keeping my scores down. 

AMEX Link card name|What 's this? 
XXXX {$9000.00} XXXX updated XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already submitted a complaint to XXXX, XXXX, and Transunion Credit Bureaus last XX/XX/XXXX requesting the verification and deletion of information on my credit file which I consider as fraudulent. Upon reviewing a copy of my updated credit report, the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following fraudulent items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

After discovering 2 debts with Porfolio Recovery Associates XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX that did not belong to me. I began years ago asking for validation, send the police reports even attempting to negotiate a settlement to remove this fraudulent accounts. Porfolio Recovery Associates refused to validate or provided provide an opportunity to resolve the debts. I have contacted them by mail and phone, my certificate letters asking for validation of the debts and proof had been ignored, they have given me no options to resolve since this debt does not even belong to me and have after my recent attempt to work with them to get removed this debts removed since is not mine. They update this old debt to my report with wrongful identity information which caused my XXXX  score to decrease. I have exhausted all efforts to work with this company to resolve the issue with this debts being reported which does not belong to me, they refuse being reported which does not belong to me, they refuse to effectively communicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called Tranunion over 5 times in the month of XXXX on different occasions to remove a consumer statement on my credit file, each time i talked to someone, they tell me they do not see anything written in the consumer statement section. 

i told them eachtime i sign into my account or refresh my account the statement is there, they refuse to remove that statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of Identity theft due to several security breeches since XXXX there are now multiple companies including : XXXX XXXX XXXX XXXX Capital One Bank XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies are report information not belonging to me I have reported this to my local authorities as well as the FTC. I have filed multiple disputes with all three credit reporting agencies. This is causing a social and financial strain on my life
Product: Debt collection

We have attempted repeatedly to verify this debt and have requested documentation on multiple occasions, but have never received a response. I reached out about my husbands account on XX/XX/2018 at approximately XXXX CT. I spoke to 3 different people to try and reach a settlement. One of the representatives informed me that they have supposedly received return mail on multiple occasions. We have verified our address multiple times and know they have the correct address. We receive mail, without issue, at the address. The lady I last spoke to on XX/XX/2018 told me that she would send a settlement agreement letter to me via email that day to review. I never received the email. I called again on my lunch break at approximately XXXX CT on XX/XX/2018 to check the status of the email. I was again told it would be emailed shortly. By XXXX CT on XX/XX/2018, I had still not received the promised email so I called a third time. The representative told me this time that emails were not allowed to my state, but if her supervisor sent me an email and I replied confirming it was okay to send information, they would then send me the documentation of the settlement. She promised the email would be sent immediately after the call. I have yet to receive an email. I really feel this company is refusing to provide any documentation of the debt or agreed settlement and we refuse to pay until they provide something in writing. Through multiple attempts over at least the last year they have not verified the debt as requested.
Product: Credit reporting or other personal consumer reports

Data and information leaked by several companies. Noticed inquiries from company I have no knowledge of and its hurting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed that errors on my credit report has false and misleading information for individual accounts did not quite meet the credit reporting standards of being 100 % accurate. This has tarnished my character and credit and I Demand CFPB to enforce correction and or deletion of these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 at XXXX XXXX XXXXXXXX, I was notified that my Experian account email had changed. Once I got back into my account, I noticed that someone other than me had changed my e-mail address. I also want to note how extremely easy it is to hack into my Experian account and I found out that this is a known issue. When further looking into my credit report, I noted that on XX/XX/23, XXXX XXXX company had a hard inquiry on my account. I tried to reach out to XXXX XXXX with the number provided on my credit report, and all I got was an answering machine noise. I also tried to reach out to Experian to dispute my inquiry, but they are not open on the weekend and I didn't want to wait to file a report and I wanted it documented that I tried to resolve this issue the same day. I have just frozen my account again but I was unfrozen at the time because we had a loan going through.