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

This Company has violated my rights as a Consumer by not complying with the law by consistent ignore my Right to Privacy in accordance with : 15 USC 6801 ( a ) The Company has ignored it's obligations pursuant to : 15 USC 6801 ( b ) 15 USC 1681 ( a ) I am requesting that this company remove and delete the following named accounts immediately and cease reporting any of my personal information without my consent. 
1. XXXX 2. XXXX XXXX XXXX XXXX ( 3 Accounts ) 3. XXXX XXXX ( 4 Accounts ) 4. XXXX XXXX 5. XXXX XXXX 6. XXXXXXXX XXXX XXXX  XXXX 7. XXXXXXXX XXXXXXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10. XXXX XXXXXXXX XXXX 11. XXXX XXXX 12. XXXX XXXX 13 . XXXX XXXX 14. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and equifax are in violation of reporting credit card balances and credit cards payments when 15 U.S. Code 1681 says that it should be excluded. 


report containing information solely as to transactions or experiences between the consumer and the person making the report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or
Product: Credit card

Dispute ID at AMEX : XXXX Amount : XXXX XXXX ordered a pair of shoes from XXXX XXXX XXXX I tried them on and realized they were too small. I dropped them off at XXXX the XXXX  day. However XXXX XXXX refused my return because : XXXX. The shoe tip were damaged, and they provided a picture before shipping, taken from the top of the shoes ( attached ). However, the damage was at the front of the shoe tip which couldn't be seen from their picture. To prove that, when they declined my return, and sent the damaged shoes back to me, I took pictures from the same angle ( pictures attached ) and the damage couldn't be seen. So the picture they provided can't prove the shoes were in perfect condition before shipping to me, hence they couldn't use that as an evidence to show that I was the one who caused the damage. 
XXXX. They also claimed that I removed the protective sheets from the shoes. To prove that, they simply provided pictures of shoes without protective sheets and claimed these were from my returned package. Since I am sure that I didn't remove anything from the shoes, I asked them to provide video proof ( or anything that can prove the shoes taken from my returned package were without protective sheets ). But they kept ignoring my request. I refused to acknowledge that those shoes were the ones I returned, and it's also possible that someone removed the protective sheets when they detected damage on the shoes so they can ask the customer to pay for their mistake. 

I disputed the charge on AMEX and provided all the details, proofs and reasons ( attached ). But they kept declining my dispute and passing me the same email from the company. The XXXX  time they declined my dispute soon after I resubmitted the dispute. They are not listening to their customers and not protecting my right. As a XXXX AMEX customer I'm extremely unsastisfied with the service.
Product: Credit reporting or other personal consumer reports

I purchased a membership from TransUnion, I couldnt lock my credit report!
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX/ XXXX XXXX. XXXX XXXX XXXX, Fl XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Please note, that XXXX  and XXXX  have already deleted this account as it was in violation. Per Equifax reporting account status, it states derogatory, date of last payment was XX/XX/XXXX, and two-year payment history is reporting current for the past 2 years. This is inaccurate information, delete per violation. For your records and my proof, I have enclosed a snapshot of my credit report.
Product: Debt collection

XXXX XXXX was asked to validate debt and they said its not their responsibility to prove debt was sent to correct address XXXX XXXX then damaged credit score by XXXX points after not validating debt and blocked calls when I reached out. XXXX XXXX  Has acted in a untrustworthy and harassing manner and has been unwilling to resolve any issues but has continue to add hits to credit to persuade payments
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Fraudulent Accounts Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts from my credit report. These accounts were added as a result of a data breach, and I am a victim of identity theft. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts be removed from my credit report immediately. 
Fraudulent Accounts : XXXX XXXXXXXX XXXX - XXXX - XXXX - {$60.00} XXXX XXXX - XXXX - XXXX - {$72.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received a letter from Diversified Consultants, which is a debt collection agency attempting to collect on a debt that XXXX claims I owe them. I left XXXX in XX/XX/XXXX for XXXX. In order to bring over the phones from XXXX, which were being leased I had to pay them off. I went ahead and paid off the remaining amount owed on the phones and the phones were then unlocked by XXXX and I cancel service with XXXX. Per the agent from Diversified Consultants with whom I spoke with, today ( XX/XX/XXXX ). XXXX states that an itemized bill was sent to me at my current address. I told the rep I never received the itemized bill from XXXX, or any bill from XXXX. The agent confirmed my address, and it was the correct address, but I never received the communication from XXXX. I asked the agent if she could give more info, but she stated that she could not. All she could say was that XXXX is collecting on payments for the leased phones, and services. I attempted to contact XXXX to resolve this issue and was led on a wild goose chase from one person at a call center to another. Neither of them would give me specific information about what I owed but rather transferred me to another department that was " better suited '' to handle this issue. This lead to them reconnecting me to Diversified Consultants. XXXX has provided no proof of what they claim I owe and the letter from Diversified Consultants is not itemized either. Per XXXX 's legal agreement on their website ... 

" XXXX will unlock a device from XXXX 's network under the following circumstances : The device is SIM Unlock capable The device must be or have been active on the XXXX network for a minimum of 50 days Any associated Service Agreement ( or any Minimum Service Term, where applicable ), Installment Billing Agreement, or Lease Agreement has been fulfilled including, but not limited to, payment in full of any applicable : 1 ) early termination fees, 2 ) accelerated installment or lease payments, and/or 3 ) end-of-lease purchase options. Because leased devices are not owned by the user, the end of lease purchase option must be exercised and paid in full before the SIM unlock is completed. 
The associated account is in good standing The device has not been reported as lost or stolen, associated with fraudulent activity, or otherwise flagged as ineligible to be unlocked For SIM unlock-capable devices ( generally most devices launched after XX/XX/XXXX ), XXXX will automatically unlock postpaid devices when they becomes eligible. '' This is directly from their website. XXXX would not have unlocked the phones, and I would not have been able to bring them over onto another carrier, if they were not completely paid off. Since this has been reported to credit reporting agencies, my credit score has unfairly taken a serious hit.
Product: Checking or savings account

On XX/XX/XXXX of 2022. I deposited a check in the amount of {$500.00} from the XXXX XXXX. This is the second check that I have deposited into this Chase account from the XXXX XXXX. Immediately after the check clears and having to wait 14 to 21 business days, I received a notification that my account had been frozen and it Chase will be closing my account and they no longer wish to do business with me. They proceeded to close my account however never issued my check for the remaining {$500.00} it still sits within the account. I close the account and the funds are still there and all I keep getting is runaround about a verification. Im getting very frustrated please help Ive tried on many occasions to resolve this with Chase and they simply told me that they will hold it for the maximum allowed years and send it to the state comptroller when its necessary thats ridiculous. I finally received a statement from Chase and noticed it on XX/XX/XXXX. It states that Chase cut a check for the remaining {$500.00} in his holding it is this even legal
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Can you verify the documents, please? Some of the listed accounts are inaccurately reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX This is not my account. I have reached out to them 8 times asking to remove this account. The FRCA states all information reporting should be accurate. This is not my account. I also asked for proof of this account and I was never giving any documentations because its not mines Please remove it from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Product: Checking or savings account

Navy Federal Credit Union : Direct deposits were not posted and bank is not providing much information. This is the second time in 3 months that they held my money hostage. First time was 5 days before XXXX of XXXX and now XX/XX/XXXX! I have bills to pay and food to buy for my home and am unable to because the deposits were not posted to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced a home loan from FHA to conventional. XXXX  will not remove the debt off all 3-credit bureaus. I have complained several time and nothing is being done. You can't call XXXX because it's a total circus!
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Debt collection

In examining my credit report I see an open account for {$26.00} that I was not made aware of. The account is only active on XXXX reports, but shows no balance on XXXX of them. The company continues to report this balance even after attempts to remove and pay the {$26.00} supposedly on file for XXXX reporting agency. I have made multiple attempts to contact and have left a message to resolve, but have not received any reply to remove this from my credit report.
Product: Credit reporting

On my report is states that I have XXXX XXXX XXXX Student Loan accounts that are shown as a negative impact. However, all of my student loans are and have always been in good standing. They were all consolidated into a total of {$72000.00} which is list as a positive impact on my credit score. The XXXX XXXX accounts are listed twice basically, XXXX which is inaccurate and itemized as negative. And the second which is correct, as a positive impact. I 've reached out to XXXX XXXX which is now XXXX and they stated they show these loans were consolidated and paid in full. However, the negative marks are still on my credit report which credit reporting agencies refuses to correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit card

On XX/XX/year>, I submitted an application for a Best Buy credit card ( while in the store ) and it was denied. The explanation I was provided was " insufficient credit experience ''. Since I currently have Excellent credit scores with XXXX ( XXXX ) and XXXX ( XXXX ), and my oldest ( still active ) credit card dates back 19 years, I wrote a letter to Best Buy Credit Services requesting additional information regarding the reason for the denial. What I received from them was a form letter stating the same thing I was told while at the store. According to XXXX ( the credit agency they said they used ), my Payment History is Excellent ( 100 % ), Credit Card Use is Excellent ( 2 % ), XXXX Derogatory Marks, Credit Age is Good ( 7 years, 5 months ), and Total Accounts is Excellent ( XXXX ). In addition, my annual income far exceeds my expenses and I currently own my home free and clear. Because of this situation, I now have a Hard Inquiry decline on my credit report ( which will remain for the next XXXX years ) so I'm trying to understand why the Best Buy Store Card was denied.
Product: Debt collection

Payment was made directly to the provider, and provider verified no debt was owed. Debt collector refuses to provide information on the debt, accept notice that the debt is not legitimate, and continues to call home and cell phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX  : I received a credit report in the mail to today, and I spotted an issue with the charge-off trade line on the report : Discover Financial Servi XXXX Reason : Balance is incorrect and according to my records you have the funds to payoff the account how can this be a charge off? 

Im not sure how long it will take to fix these issues, but I will wait.
Product: Credit reporting or other personal consumer reports

I have repeatedly contacted your office about accounts in pending litigation that are inaccurately reported on my credit file. Each delay is worsening the impact on my credit, and I am done waiting.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX
Product: Mortgage

I had a loan with United Wholesale Mortgage on an investment property. The property taxes were due in XX/XX/XXXX, and our loan was sold and transferred to a new servicer in XX/XX/XXXX. At the beginning of XX/XX/XXXX, I received a delinquent property tax bill from the county stating the XXXX taxes were never paid. I have contacted UWM several times to try and work out the issue and determine if it was a mistake on their end or on the county 's end. Each time, I am told I can not speak to anyone directly, but that a work order was be placed and I will be emailed the necessary documentation within 3-5 business days the first 2 times I called, and then 10 business days the last time I called them today, XX/XX/XXXX. I have never received a response or email or any kind of documentation from them following the placement of the work order. The county continues to charge monthly interest on the delinquent property taxes, which has grown from originally over {$1900.00} due to over {$3500.00} due. 1 % penalty will be added the first of every month by the county, and there is a lien now placed on the property as well. I also mailed the delinquent property tax notice to their tax department several weeks ago and have not received a response. I need someone at UWM to rectify this situation immediately, by either paying the outstanding property taxes ASAP or providing me the necessary documentation showing the check number or wire confirmation for the property tax payment. The property is now for sale and this may delay our closing scheduled for XX/XX/XXXX.
Product: Debt collection

I have requested in writing to this company proof in writing showing that this account belongs to me and to send me proof of my signature showing the same. They keep ignoring me and now they send me a letter with some attachments containing some charges under my name with no signature proving that this belongs to me. This account does not belongs to me.
Product: Payday loan, title loan, or personal loan

I took out a {$450.00} installment loan with XXXX XXXX in XX/XX/XXXX. My payment was an ACH payment of {$100.00} every two weeks. I called them up on XX/XX/XXXX to get my balance to pay in full on XX/XX/XXXX. The representative said my payoff will be around {$530.00} on XX/XX/XXXX. This is ridiculous and should be illegal the amount of interest that this company is charging. What Greentrust is doing to consumers is tantamount to a armed robbery!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX . is saying that I owe {$250.00} for a hospital bill. I have no outstanding bills with this hospital or  XXXX   XXXX   XXXX . This was not me
Product: Debt collection

Repeatedly calls all hours of the day and night!!! Uses different numbers to try to get me to answer!! Threatening me to take action even though Ive been to court with them in the past! Im receiving XXXX and this has been going on for years with them!! Now theyre calling and actually hanging up on me now!! Its driving me crazy!!!