23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity theft and this has been on ongoing issues with this company. On XXXX @ XXXX am ( tracking # XXXX ) Transunion received one of several dispute letters regarding fraudulent established accounts that are being reported on my Transunion credit report. A police report containing the accounts in question was and has also been included with the past several disputes I have sent to Transunion as well. On XXXX @ XXXX pm ( tracking # XXXX ),  Transunion received a dispute letter on my behalf regarding the same fraudulent accounts that they continue to list on my Transunion credit report. I have stressed the negative financial impact to Transunion this has taken on my personal financial status, sent in supporting documentation, and yet Transunion still continues to violate my consumer rights under the Fair Credit Reporting Act, Section 605b, 609, and 611. It has been well beyond 30, 60, and 90  days and no proof of accurate verification or original correspondence have been provided by Transunion as per the Fair Credit Report Requires. I have provided more than the necessary documentation supporting my claim and yet nothing is being done about the situation.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

hope this letter finds you well. I am writing to formally request a Form 1099-C, Cancellation of Debt, in connection with an account under my name that was charged off by your institution and subsequently reported as such on my credit report. As outlined in IRS regulations under Section 6050P of the Internal Revenue Code, creditors are required to issue a Form 1099-C when a debt of { {$600.00} } or more has been canceled or discharged. It is my understanding that since the charged-off debt has been written off by your institution, it constitutes a cancellation of debt, and I should have been provided with the appropriate tax documentation in accordance with the law. Failure to provide a 1099-C form for canceled debts could be considered a violation of the IRS reporting requirements, which obligates creditors to report forgiven or discharged debts in excess of { {$600.00} }. It is essential for me to have this form to accurately report the canceled debt on my tax returns, and I would like to resolve this matter in a timely manner to ensure compliance with all relevant regulations. Please send the 1099-C form at your earliest convenience, either to my physical address or via email at XXXX Should you require any additional information or documentation from my end, I am more than willing to cooperate to expedite the process. Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.Account self lead/bank account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed Account charged off. {$140.00} written off. {$140.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} {$140.00} {$170.00} this are all the remarks left which has been clearly been wrote of with taxes I asking to bureaus to please enforce the law and have my reports reflect accurate information or is completely breaking the law
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account Has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604 A section 2 : Also states A consumer reporting agency Can not furnish a account Without my written instructions 15 USC 1666B : A creditor may not Treat a payment On a credit card Account Under an open End consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/XXXX i tried to create an account with XXXX ( equifax ). the site said an email would be sent to me. none was. i called but was put on indefinite hold. i tried again in late XX/XX/XXXX to create an account. this time i received an email ( XX/XX/XXXX ) from XXXX with a link to activate my account. everytime i have clicked the link it opens a page that says " system unavailable. can not process. try again later. '' i tried calling but again was put on indefinite hold. 

it 's bad enough that equifax let hackers steal my information and then withheld that development for months. now they wo n't stand behind their promise to provide identity protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/2017 I mailed a correspondence to FIRST XXXX XXXX XXXX XXXX XXXX ) due to the fact XXXX was reporting a debt ( alleged account number truncated from credit report XXXX ) and outstanding balance of on my credit report, which is completely in error and false. My correspondence was received by XXXX on X/XX/2017 per XXXX XXXX number XXXX XXXX XXXX XXXX XXXX and signed for by a representative of XXXX per the return receipt received by me ( XXXX XXXX XXXX. The reason for this correspondence was to have XXXX cease and desist reporting to the credit bureaus until this alleged debt can be lawfully verified. I provided 30 days to XXXX for a response ; it is well past 30 days with no response from XXXX. I have attached a copy of this correspondence in this complaint to ensure that it is on record that XXXX did receive my correspondence twice, one in the mail and one through this complaint. According to my credit report this item/account was most recently reported on XXXX XXXX, 2017 well after receiving my correspondence, so XXXX apparently has decided to ignore my correspondence but continue to report false information on my credit file. If XXXX continues to violate the law, I will pursue litigation and seek full damages for the injury they have caused me and continue to cause me by defaming my name and character.
Product: Mortgage

I am deeply concerned regarding my recent experience with both Valon and their employee, XXXX XXXX XXXX, from a conversation on XXXXXX/XX/XXXX. I called to request my escrow payments be returned so that I might pay my insurance and taxes myself. I have concerns regarding Valon based up my previous experiences and elected to handle this. [ Please Note : I had been advised by a Valon Employee on XX/XX/XXXXXXXX  to cancel my autopayments to my old mortgage provider. This cost be a fee which Valon later refused to reimburse. They further claim to have never made such statements to me. Regardless, this is why I dont trust Valon to pay my insurance and property taxes. ] XXXX stated he could not do this [ release the escrow ] because my XX/XX/XXXX payment wasnt received until XX/XX/XXXX. Because it was late, it precludes me from this. However, I was told that the RESPA gave me a 60-day grace period [ Valon officially took my mortgage over on XX/XX/XXXX ]. How, then, can Valon penalize me for that payment? They received it within 60 days. 

I requested to speak with a manager. XXXX initially tried but could not find anyone. He said Id have to wait for a call back. I asked, begged, repeatedly to wait on the line with him. Ive requested calls back before and either not received them or been called at either off or work hours. He refused to wait on the line with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX 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
Product: Vehicle loan or lease

I surrendered my lease back on XX/XX/XXXX and never received an end of lease bill. I called several times over the past 2 years asking for one so I could pay what I owed and I was told I needed to wait for a letter to come in the physical mail. 

According to their end of term invoice policy, I should have received an end of lease bill within 30-45 days of handing in my lease. I wanted to pay what I owed so there would be no issues later on. I kept calling over the next 2 years and was met with the same response that I had to wait. I never received any mail. 

Fast forward to this XXXX ( XXXX ), I received notice from my credit bureau that I had a delinquency on an account that was 30 days past due- it was XXXX and my credit score decreased by XXXX points. I have been in contact with Hyundai Motor Finance ever since that day in hopes of resolving this issue. After many, many phone calls, written letters, supportive documentation, and even a supervisor in support of my case ( she emailed the credit dispute department on my behalf ) I am still told that I am in the wrong. 

I have a strong feeling XXXX did not review all my letters, cell phone records ( as requested by the supervisor ), and recorded phone calls to XXXX over the last 2 years. 

XXXX did not abide by their policy and took advantage of someone who had never missed a payment and who was doing the right thing all along. 

*Please review ALL documentation as they state key dates, names, and evidence. Please take my concern seriously as this issue will affect my credit score for years to come.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive notified Equifax via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. With each request, Equifax only sent me a credit report stating that the accounts were verified. The FCRA says that XXXX has to provide me with the information used to verify the accounts in question. FCRA says its required by law to verify through physical verification of the original signed consumer contract, any and all accounts thats listed on my credit report. Ive demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported. Equifax has continuously ignored my requests & has continued to report the unverified negative information on my credit report. FCRA states that unverifiable accounts must be removed and if the company is unable to provide me a copy of verifiable proof, they must remove the account.
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and noticed Some inaccurate accounts reporting
Product: Debt collection

Enhanced Recovery Company showed up on my credit bearu I disputed it with the credit bearu. As it was for an old XXXX account that was closed XX/XX/XXXX. As I could no longer afford it and was told upon closing the deposits that would be applied to the account and closed. I contacted ERC and requested detail on why they where collecting the said it was for XXXX old XXXX accounts ( XXXX lines XXXX account ) this was sometime XX/XX/XXXX. I told them I have never received a letter at all from them to dispute the collection and requested more details Some time goes by and XXXX/XXXX/2015 I contacted the collection agency again and they transferred me to the dispute department a woman by the name of XXXX said that she had already placed a request in with XXXX for a company of by account along with where the depsit was placed. She then told me the account also had XXXX of early termination fees. I told her my account with XXXX was past the early termination fee period and requested that she provide proof of my signed agreement and any recording they had from XXXX authorizing such a hefty termination fee as i had stated the account was well past the termination charges. When I called and spoke to some else I was told they would not give me any time frame as to how long they had to collection the info before they would have to remove the account without the validation. I called XXXX/XXXX/2015 and spoke with a XXXX who said that they just received the request on XXXX/XXXX/2015 and this was the first time they requested any info as it originally needed to be in writing when I told him that it I was told it was already requested he said that they had not. When I told him I want proof of all documentations as the letter I sent requested his response was we will only send you what we are legally required and that is just the statement not the originial signed agreements. A previous complaint was files under Case Number : XXXX a agency responded that they would be supply the information of the signed contract and any and all recording in regards to the early termination fee to date nothing has been provided to me from the collection agency nor XXXX. ERC removed the collection and all negative information from my report and it remained off my bureau for a couple months and now they have resubmitted the collection on all my CRA bureau as a new account as of XXXX 2015. I am demanding that they remove all negative reports from all any of my credit bureaus as they they have failed to provide proof of the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my XXXX and TransUnion credit score report. i know nothing with regards these transactions. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

During a promotional offer that appeared in the XXXX XXXX XXXX, I was informed that I would receive XXXX miles and XXXX XXXX  qualifying points ( XXXX  ). I received the XXXX miles but not the XXXX XXXX  after reaching the {$5000.00} spend amount within the first XXXX months of opening the account. My account was first opened on XX/XX/2023. I am frustrated because I was offered this offer because of my loyalty and being a XXXX member with XXXX XXXX. I have proof of the offer and ensured to apply to the credit card using the special link.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated the accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, they also violated my rights under, 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions. Which I DID NOT give them written instructions to do so.

Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking numbers XXXX XXXX XXXX XXXX XXXX ( XXXX ), # XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX and # XXXX XXXX XXXX XXXX XXXX ( Equifax ) Account # XXXX Account # XXXX Account # XXXX
Product: Checking or savings account

Last Wednesday my account suddenly showed XXXX balance. I called up immediately the bank and was told a legal order came in for nearly {$2900.00}. I requested a copy of the legal order but I could not get it. I do not have any inconvenience with any lender, except a problem I experienced with my health insurance ( provided by my then Employer ) that failed ( filed bankruptcy ) in XXXX and did not reimburse me over {$240000.00} in medical bills ( I was entitled to ) and spent to save my wife 's life. A legal proceeding is ongoing and my attorneys are taking care of this case! This legal order is likely connected to an amount of approx. {$12000.00} due to one lender ( a private company I am not aware of ). I also understand that some medical debt is being removed from US credit reports. However, my medical debt ( generated by my failed health insurance ) still showing on my credit report. My attorneys will be writing soon to all rating companies to write off this debt! I am not responsible for this debt and the bank should reinstate my balance and refuse the legal order. The account is under my name and my son and the legal order is not applicable! My son has nothing to do with it!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX regarding inaccurate information on my credit report. On XX/XX/XXXX, I initially contacted XXXX to address the following discrepancies in my credit report. Despite my initial inquiry, I have not received a response to date. The details of the inaccuracies and the necessary corrections are outlined below : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} ) : Incorrect information : The account was reported as late. 
Requested correction : Please correct/update this inaccurate information on my credit report. 

XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3.00} ) : Incorrect information : The account was reported as late. 
Requested correction : Please correct/update this inaccurate information on my credit report. 

XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} ) : Incorrect information : The account does not belong to me. 
Requested correction : Please remove it from my credit report. 

XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} ) : Incorrect information : The account does not belong to me. 
Requested correction : Please remove it from my credit report. 

XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5600.00} ) : Incorrect information : Balance seems higher than remembered ; reported as closed, but Past Due amount provided. 
Requested action : Report the account as disputed while I address the issue with the creditor. 

XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00}, Original Creditor : XXXX  ) : Incorrect information : The account does not belong to me. 
Requested correction : Please remove it from my credit report. 

XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00}, Original Creditor : XXXX  ) : Incorrect information : The account does not belong to me. 
Requested correction : Please remove it from my credit report. 

XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00}, Original Creditor : XXXX  ) : Incorrect information : The account does not belong to me. 
Requested correction : Please remove it from my credit report.
Product: Credit card or prepaid card

. Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with affiliates will ensure my privacy rights won't be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expending the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Capital One is in violation of 15 USC 1692e ( 11 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that Capital One is in violation of 15 USC 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit C that Capital One is in violation of 15 USC 1692h
Product: Credit reporting or other personal consumer reports

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.