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

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$530.00} XXXX XXXXXXXX Balance : {$530.00}
Product: Credit reporting or other personal consumer reports

I am writing to urgently address the fraudulent account that has been reported on my credit file. I am a victim of identity theft, and this negative account is the result of criminal activities conducted without my knowledge or consent. It is essential that these inaccuracies be rectified immediately to prevent further harm to my credit standing. The fraudulent account in question was opened by someone close to me, who stole my personal information and used it to open account in my name. After becoming aware of this unauthorized activities, I contacted the company, who has acknowledged the situation and agreed to remove the fraudulent account from their records. 
To support my claim, I have submitted the necessary Identity Theft Report with the Federal Trade Commission ( FTC ), and I have attached a copy of this report for your reference. The company has confirmed the identity theft and is aware that the account was opened without my authorization XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year>
Product: Checking or savings account

This complaint was originated under file number XXXX and is still open. 
I have not been given back the funds [ {$290.00} ] taken unauthorized from my checking account with Bank of America. I am a senior citizen living off retirement funds trying to get back my money that I need to sustain life against a financial giant. The company [ XXXX ], who XXXX -DEBITED my account, responded to me that they have no problem giving me back my money. They advise their bank chargeback the item against their account and the result sitting somewhere in Bank of America. Why can I get this matter resolved. Is this a XXXX  XXXX issue? Do I need to employ an attorney for mental and physical harm this issue is causing me.
Product: Credit reporting or other personal consumer reports

Late payment on my consumer report inaccurate information I have disputed this since XXXX of 2023 with all XXXX Credit Bureaus
Product: Credit card

I purchased an apple XXXX XXXXXXXX returned it and was not refunded i opened a dispute over a year ago send in the tracking number which said the item was delivered and the chat messages from XXXX and Apple Card Goldman Sachs will not resolve my dispute. Item was purchased on @ XXXX XXXX at XXXX from XXXX XXXX retailer for $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed many complaints and police reports for a XXXX   account that is being reported to my Experian and today finally I was able to actually speak to someone in the ( special services department I was informed that since my file was previously mixed with someone else that that department would now always be the only ones to take my calls she also told me that I was not able to dispute an address on my file that was clearly fraudulent and did not belong to mw because it was tied to the XXXX account! she refused to dispute that address for me and she said there was nothing I can doing asked her for her supervisor which is yet to call me her nam was Ms.XXXX in team XXXX  she also refused to assist me with other accounts that they are reporting wrong although the creditor is verifying with them that it is wrong! XXXX XXXX they are reporting late and self lender and bother creditors say that they can. not help me because thats not what they reflect on their end so what am I supposed to do? she also explained to me that she was not accepting my police report because I called them and out to my home how else was I supposed to inform them of what the problem was the report was in person but she still refused to accept it!
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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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: Mortgage

My property was sold in a tax foreclosure in XXXX. I have continued to make payments to preserve my credit, I was told by the banks foreclosure department that if I no longer own a property that I have a HELOC on, the debt should be charged off. They have yet to charge off the debt, saying, they cant charge it off until I stop paying. I dont want to stop paying bc a bunch of late payments plus a charge off will damage my credit beyond repair.
Product: Checking or savings account

On XX/XX/ I was approached by a man on XXXX dating app. He immediately asked me about the home I had just purchased, and i to, d him I was interviewing a handyman later in the day. He asked what jobs I needed a handyman for and I told him. He immediately said that state law says a licensed contractor and licensed electrician had to do those jobs, and that he was both. He offered to come look at what needed to be done, so I didnt get ripped off He came over for lunch and immediately started pointing out electrical hazards. and dangerous situations He showed me fake paperwork that said he was a licensed, insured contractor in Missouri. For construction and remodeling homes. He wrote a big elaborate description of all he would do, and asked for XXXX dollars up front for supplies. He said he would start the next day. He wanted to be paid through cash app. I transferred the money from XXXX XXXX  to cash app, and thinking I had purchase protection I put in the subject line of cash app that it was for supplies for the remodel. 
He did not start the next day. The only thing he started was asking me for more money. For 2 or 3 days he hounded me non stop trying to get more money from me, and when I finally said Id not give him another dime until the job was done. He got belligerent, angry, and loud with me. I told him I just wanted my money back and Id find a contractor who would show up and do the work. 
After that he just became a distant memory. He changed is number and disappeared. I contacted both cash app and XXXX XXXXXXXX and they both told me I was out of luck. 
I truly believed these banks were here to help people li, e me from being scammed. To, offer us protection from predators. Im XXXX XXXX XXXX, XXXX, and unable to fight for myself. 
Both financial institutions blew me off like I was nobody.
Product: Credit reporting, credit repair services, or other personal consumer reports

The nature of this corresondence is to inform you an error and greivance that has caused me severe hardship on my consumer report, i'm speaking of the Closed XXXX  accounts on my Transunion and XXXX consumer file. We have asked the furnisher XXXX to investigate the first date of delinquency and they confimed that 480 days prior to XX/XX/XXXX was the first date of delinquency which was around XX/XX/XXXX. Transunion and XXXX have violated several consumer laws on my consumer file which I will disclose what statute has been violated in the attachment. 

The attachement will be a notorized document and this will be the final notice to request These Closed XXXX  accounts ( 5 with Transunion and 2 with XXXX ) to be DELETED from the consumer file. If these accounts are not DELETED a lawsuite will be filed against you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent certified mail to Experian stating : You have my real name, my current address, date of birth and SS #. 
My current employer is XXXX XXXX XXXX XXXX XXXX. 
My current phone number is XXXX. 
Please remove all other items from my personal history including any names that are not XXXX XXXX XXXX, previous addresses, and previous employers because Im afraid that I might be susceptible to identity theft. 

Experian has responded on XX/XX/21 without doing anything I requested of them and instead sending me online form to fill without the option to remove any of the information I requested. I fear that using that form will cause me to forfeit my rights to seek legal action against Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to USBank back in XX/XX/2020 to see about a making a smaller payment due to my hardship with COVID-19. The representative I spoke with took my payment for {$100.00} and advised that she would ensure that any negative credit reporting would be placed on hold. 

I then go to check my credit in XXXX and US Bank reported my platinum credit card as 30 days late. I contacted US Bank platinum card services and was told that I had to write a dispute and mail it in. They have no place to send an email or research the issue over the phone. 

I then take the time to write a letter to dispute the negative 30 day credit reporting and mailed to US Bank. I have yet to hear about any results. 

I was given wrong information the few times I have called in and want the credit reporting fixed immediately. 

Thank you, XXXX XXXX XXXX
Product: Checking or savings account

in XXXX last year I use my SoFi debit card to purchase a subscription from XXXX That prescription for {$74.00} was due again at the end of XX/XX/year> the debit card that I used to purchase the first order from XXXX I no longer had that card when the second order was to be due. I had ordered a new debit card from SoFi, which arrived at my address on XXXX XXXX on XXXX XXXX XXXX sent me an email letting me know that my payment had been declined and in that message my new debit card number is what they were trying to charge. XXXX also gave my information to XXXX prime they kept trying to charge my account. SoFi provided both merchants with my account number and routing number without my permission. XXXX also was trying to charge my new debit card which I had never provided them with that information but they have it
Product: Debt collection

I have notified XXXX as well as Shabana Motors to inform them that neither of them entered a notice of dispute for this account when it was disputed in XX/XX/2021, XX/XX/2021 and XX/XX/2021. I informed them they were in violation and yet the account continues to report while they are both in violation of the FCRA. Each time I pulled a new report the I have proof the notice was never entered by either the original creditor or XXXX. They simply have refused to comply and I have not gotten anywhere with either company. it is repetitive disputes to no avail with them simply not being compliant!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This account was settled in court with terms attached. That this account once settled should be dismissed and deleted from my credit report. I sent letters to credit bureaus with no correspondence. I need help with this situation. Proof is below with documents and judgements.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting a hard inquiry that I did not do.
Product: Mortgage

I applied for assistance in saving my home with my servicer, CMG Financial, on XXXX/XXXX/2015. I hired an attorney to help me submit my paperwork. My attorney confirmed CMG Financial received my full and complete application and all financials on XXXX/XXXX/2015. My attorney called CMG Financial several times for an update after the submission ( actual dates XXXX/XXXX/2015 - told only option was to leave a message ; XXXX/XXXX/15 - told only option was to leave a message ). No calls were ever returned. CMG Financial never sent out any letters per RESPA Reg X ( XXXX ) that they received the application or that they denied the request. They say they have sent out letters, but they actually have not. To date I still do not have any letters of receipt of application/denial or approval. Then on XXXX/XXXX/2015 my attorney spoke with CMG Financial and they stated my loan modification request was denied on XXXX 2015 due to liens on my title. I was not given the opportunity to appeal my denial before the 30 days period after my denial because CMG Financial withheld the denial letter and would not accept calls and did not return messages during this time. It is apparent they did this on purpose solely to evade allowing me to appeal my denial. I have a valid appeal as I have cleared my title and I am certain I qualify for assistnace. I feel my servicer purposely withheld my denial letter, avoided taking calls from my attorney and did not advise me I was denied in order to evade allowing me the time appeal the decision before setting a sale date. If I had not received the Notice of Sale, I would have never even known I was denied or was even reviewed. I still do not have a denial letter. I wish to appeal the denial, however the servicer has now set a sale date. My attorney states this was done on purpose. This servicer evades even speaking with me or my attorney. I have to call in and not enter my loan number. If I enter my loan number it only goes to a voice mail that no one calls back. I feel this is wrong and they are purpose evading my requests to try and resolve my delinquent loan and are simply pushing me into foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  listed my credit report adverse for  XXXX   XXXX   XXXX   XXXX   #   XXXX    XXXX  (   XXXX   XXXX     XXXX   XXXX  WA  XXXX   , (   XXXX  )  XXXX  )   XXXX   XXXX   XXXX   my account was settled. Transunion received copy for settlement letter about that time. As the debt was settled the adverse account could be removed from the report. I have applied for credit with   XXXX   XXXX    XXXX  and  XXXX   XXXX  after  XXXX   XXXX ,  XXXX  they reported my  credit score   XXXX , no adverse accounts score are  XXXX . The act is unlawful. Fax for above mention will follow.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding a medical collection account on my credit report from XXXX XXXX XXXX. 
Under Section 611 ( 5 ) ( A ) of FCRA any account and all information pertaining to it should be promptly deleted if it can not be verified. 
I have sent XXXX letters to Transunion starting XXXX of XXXX asking to see verifiable proof ( hard evidence going all the way back to the original creditor, not verification from third-party database ) regarding this account. ( my first letter was on XX/XX/XXXX ). 

Under the FCRA, unverified accounts must be removed if Transunion is unable to provide a copy of verifiable proof. Their response was that the account is mine, without any hard evidence going all the way back to the ORIGINAL creditor and without verifiable proof. 
On XX/XX/XXXX I sent my second written request to them asking for a description of the procedures used to determine the accuracy of this account. But instead I received the same response- verified- without any documentation as asked. 
On XX/XX/XXXX of XXXX I sent my third written request to Transunion, asking them again to delete this account because they did not provide copy of any documentation ( hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Also, they did not provide the method of verification as required under section 611 ( a ) ( 7 ).

Again section 611 ( 5 ) ( A ) of the FCRA states that any information which can not be verified with proper documentation to be promptly deleted. 
On XX/XX/XXXX I sent my XXXX written letter to Transunion because the account is still on my credit report unverified. I did not receive copy of any original documentation for this account and no method of verification was provided. 
The account is still on my credit report. 
Also this account is on my report without a hipaa authorization. the medical collection does not have my hipaa authorization on file. 
All my letters have been sent certified mail with return receipt and signature on them. Also all letters were signed by a notary agent before sending them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( Experian, XXXX or XXXX ) consumer report, and I noticed that it is reporting my experience with these companies. 

The line of credit reported with these companies is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

FIRST XXXX XXXX acct # XXXX FST PREMIER acct # XXXX XXXX OF XXXX acct # XXXX FNCC acct # XXXX TXXXX acct # XXXX XXXX acct # XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX Your company is in clear violation of the law. 15 U.S. Code 1681 ( A ) ( I ) XXXX-Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s-XXXX of this title, any ( I ) a report containing information solely as to transactions or experiences between the consumer and the person making the report! 

THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( Put the creditor Name here ) making the report is XXXX INCLUDED on my Consumer report! 

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) put creditor name here ) that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

YOU HAVE VIOLATED THE FCRA 15USC 1681A 2Ai by reporting the transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 

You have XXXX calendar days to update my utilization to 5 % or below and delete all Utilization from the below account. 
( List accounts with high utilization here ) Failure to respond satisfactorily with deletion of the above Utilization will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for XXXX. Defamation of Character XXXX. Negligent Non-Compliance XXXX. Civil Liability XXXX. XXXX XXXX XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- 616. Civil Liability for willful noncompliance [ 15 U.S.C 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I initially got in touch with XXXX about inaccurate reporting multiple times but they responded by saying there was nothing they could do about it. The account was totally paid for as agreed, and is even closed now. 
Additionally, I reached out to the credit bureaus individually who later reached out to XXXX, and still could not resolve problem. I am not saying they are right or wrong, I am just saying that they are not 100 percent correct for sure and that is evident in the INACCURATE AND DIFFERENT REPORTING to all 3 bureaus ( as listed below ). I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the data being reported on some of my accounts, was totally inaccurate and that is why I am writing to you all. Upon initial request, they could not provide proof and as such, these INACCURATE LATE PAYMENT reported on my credit reports must be DELETED. 

Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Paid Account with reported Late Payments : XXXX  account Reported late Payments INACCURATELY and DIFFERENTLY across all the 3 credit bureaus as seen below ; On XXXX ( Inaccurate 2 late payments reported ) in XXXX  - XXXX - 30 days late, XXXX  60 days late On Equifax ( Inaccurate 1 late payment reported ) in XXXX  - XXXX  60 days late On XXXX ( Inaccurate 2 late payments reported ) in XXXX  - XXXX - 30 days late, XXXX  60 days late I also read where I can get the updated report after you investigate could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.