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

I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report, which I initially reported to TransUnion on XX/XX/XXXX. Regrettably, I have not received a response from TransUnion to date. As per the provisions of the Fair Credit Reporting Act, I am seeking your assistance in resolving this matter. 
Below are the specific inaccuracies that require correction on my credit report : Account Name : XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} I can confirm that the aforementioned account was never late. The reported information is inaccurate, and I kindly request that you correct this discrepancy on my credit report. 
Account Name : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1600.00} I can confirm that the specified account was never late. The reported information is incorrect, and I request that you update this inaccuracy on my credit report. 
Account Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00} I can confirm that the indicated account was never late. The reported information is inaccurate, and I request that you correct this discrepancy on my credit report. 
Account Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$11000.00} I would like to emphasize that the specified account is not mine. The reported information is incorrect, and I kindly request that you remove it from my credit report. 
Account Name : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$360.00} I would like to bring to your attention that the account mentioned above is not mine. The reported information is incorrect, and I request that you remove it from my credit report. 
Account Name : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} Original Creditor : XXXX  I can confirm that the specified account is not mine. The reported information is inaccurate, and I request that you remove it from my credit report. 
Account Name : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} Original Creditor : XXXX I can confirm that the indicated account is not mine. The reported information is incorrect, and I kindly request that you remove it from my credit report. 
Account Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} I would like to emphasize that the specified account is not mine. The reported information is incorrect, and I kindly request that you remove it from my credit report.
Product: Debt collection

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : XXXX ) Defamation XXXX ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Credit reporting or other personal consumer reports

today i check my experian credit report alert, im find out the one on the fradulent account get into my report, reporting a closed account with a like payment hurting my score hard.. 
I am writing to formally dispute the following fraudulent accounts and inquiries that appear on my credit report. These entries were added without my authorization and are directly linked to identity theft and potential data breaches. As a victim of identity theft please see the attached documents.
Product: Credit reporting or other personal consumer reports

I am A victim of identity theft, and I have reported this issue and all required documents to Equifax. they refused to remove those items from my consumer credit report after several request to delete them. Items are listed below ACCT = XXXXXXXX XXXX # XXXX CHARGE OFF XXXX XXXXXXXX XXXX  # XXXX - CHARGE OFF XXXX XXXX XXXX - XXXX LATE PAYMENTS =XXXX XXXX XXXX - 8 late payments Personal INFO= all names or combination of names that is not XXXX XXXX XXXX XXXX EQUIFAX is in clear violation of 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances ( 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 ACCOUNT 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 include ( A ) Subject to section1681s-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 an accounts from my consumer report, this agency is in violation of 15 USC 1681. 



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Product: Credit reporting, credit repair services, or other personal consumer reports

I uploaded a letter to Experian, XX/XX/XXXX and XX/XX/XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. Experian, XX/XX/XXXX or XX/XX/XXXX does not have any files to verify these accounts, nor will they delete it.
Product: Debt collection

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Product: Mortgage

I have been under active review with this lender for over two months. They have placed my sale date on hold in the past. The underwriter requested further information from me which I provided to them within 5 business days. After calling to make sure they received the information from me, they informed me that they received the documents and that I was in active review but that the sale was still moving forward on XXXX/XXXX/15. I believe that this is dual tracking as they have had a complete file but the underwriter needed another bank statement, which I in fact provided in a timely manner. There is already an opening bid for my home. They are not giving me options to foreclosure. Their tactics are underhanded
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, it involves the three bureaus. It is with fica also. There is a judgement on file against me. I was a holder among others of a credit card of a company that went out of business. The business owed the credit card money. They could not collect from the company because the company went broke. So the credit card company then sued all employees that held a company credit card. Not knowing i could be liable and the others also ignored the credit card company. they file suit against employees of which I was one an got a judgement against me and others for the company debt. Tgat judgement is on my report. If it is going to be there it should show the reason for the judgement which I am still contesting. 

Next, i am shopping for a mortgage. I am looking for a rate suitable for me. It may take one month. It may take six months. In the meantime hard pulls are being made and each time my credit score goes down and down. if you look at the payment portion of my credit it is 100 % on time, never late and paid the amount and sometime more each month. tis has dropped my score to low 600 's. It is uncalled for and I so disagree with fair issac as to how they record inquires and makes credit scores drop.
Product: Credit reporting

Experian and XXXX Consumer Agency has placed a fraud alert on my credit report without my consent. The XXXX consumer agencies acting in this manner because XXXX has purposely submitted a correspondence to the agencies indicating that I recently requested a fraud alert to be place on my credit profile. I have not submitted a letter in writing to XXXX, Experian, or XXXX requesting for a fraud alert to be placed on my credit profile. I recently filed a complaint as well as last year with the CFPB asking for XXXX to release a requested copy of my credit report. I recently submitted All XXXX agencies legal documents from my Chapter XXXX Bankruptcy to dispute inaccurate information regarding former Creditors and the account status which was and still is incorrect. I do n't know why XXXX has provided false information about a fraud alert that I have not recently placed. I always submit in writing and I always make a copy. XXXX is doing this intentionally. I have never really experienced any issues with the other agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a dispute regarding the removal of old addresses and employers from my TransUnion XXXX XXXX credit report. According to consumer protection laws, I have the right to ensure that my credit report is accurate and up-to-date. 

I have noticed that my credit report still contains outdated addresses & employers, even though I have requested their removal multiple times. These addresses and employments are no longer associated with me and have not been for some time. 

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Employement - XXXX  XXXX XXXX XXXX XXXX USPS I believe that TransUnion & XXXX has violated the Fair Credit Reporting Act by not removing these outdated addresses and employers. According to the FCRA, credit reporting agencies must ensure that their reports are accurate and complete, and must investigate any disputes that are submitted to them. 

I am requesting that TransUnion & XXXX immediately remove these outdated addresses and employers from my credit report, and provide me with written confirmation of their removal. I also request that TransUnion & XXXX provide me with a free copy of my credit report to ensure that all other information is accurate and up-to-date. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Debt collection

This is a complaint against XXXXXXXX XXXX who sold my information to Spring Oaks Capital LLC. Spring Oaks Capital provided debt validation without an original signature and a bunch of itemized documents and printouts of bills. The alleged signature did not look like mine either. I have no knowledge of this account. The original Purchase Agreement or Orderflow agreement has never been provided. XXXX XXXX  has been deleted multiple times from the credit bureaus for violations against the FCRA. XXXX XXXX  and Spring Oaks Capital is violating Fair Credit Reporting Act 623-b ( but not limited to other sections ). It is the furnishers duty to provide accurate information. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. As the consumer Im stating this account reporting against me is inaccurate and not correct. This account is violating the Fair Credit Reporting Act via Section 623-b and Negligent Enablement of Identity Fraud, Defamation, and numerous other FCRA sections . Spring Oaks Capital isn't even licensed in the State of Minnesota to collect debt.Spring Oaks Capital has no Collection License fro the State of Minnesota and can't practice in the state. They are illegally reporting on my credit and violating the law. I am requesting XXXX XXXX  to remove this alleged debt from Spring Oaks Capital. Im addressing both XXXX XXXX  and Spring Oaks Capital for violating my rights under the FCRA and reporting an erroneous account against me. I have reported this issue with my State Attorneys Office, XXXX and the CFPB. This is my final dispute to clear this matter up. I have kept good records and will be seeking legal action against both companies, if this account is not removed in the next 30 days.
Product: Debt or credit management

I opened a Credit Account with Kikoff in XX/XX/XXXX and a Credit Builder Loan in XX/XX/XXXX. Upon successfully making 12 on-time monthly payments for the Credit Builder Loan I was told that the funds would be made available in 3-5 business days by the Kikoff Virtual Assistant. When the funds were not available I was told by Customer Service that payments were for a non-refundable subscription ( that is not advertised ). Customer Service was unable to provide me with any application for an upgraded subscription from XX/XX/XXXX because I did not apply for a non-refundable subscription. They were also unable to explain why the last monthly payment for a 12 month Credit Builder Loan was in XX/XX/XXXX if it began in XX/XX/XXXX. The actual amount billed was different than what was advertised and what I agreed to.
Product: Debt collection

On XXXX I sent Portfolio Recovery Associates a certified letter requesting debt validation on an alleged debt they added to my credit reports without sending me a dunning letter. They ignored my request and continue to report this alleged debt to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fith third Incorrect information on a credit report XXXX XXXX  I have a XXXX XXXX XXXX with XXXX XXXX and dealing with this company has been a nightmare. Agents from XXXX XXXX have contacted my job and family members ( family members not associated with my account or loan ) all under the guise that " they are trying to get in contact with me '', which is not true. They have taken unauthorized payments from my account which were never returned. This entire experience has been traumatizing and extremely stressful. I'm convinced that their tactics are intentional and lead to emotional distress. Their corporate office is completely unprofessional. Specifically, my MOST unpleasant experience has been with their corporate account specialist XXXX. She is completely unprofessional and absolutely intolerable. She is rude and condescending and his attitude is completely disgusting. He uses intimidation and insults as a means of negotiation. I am so frustrated with how this is being handled that I am prepared to take this to litigation. I have asked on NUMEROUS occasions to be assigned to another account manager and he has made it his joy to terrorize me weekly. I have even said on NUMEROUS occasions that I would be willing to settle if I had another account manager. At this point, he's a bully and it's very clear that XXXX XXXX does not listen to their own phone call recordings. XXXX XXXX is the ABSOLUTE WORST!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see verifiable proof, an original consumer contract with my signature on it, that you have on file for the accounts listed below. If you do not do this, I demand that the following accounts be verified or removed immediately from all 3 credit reports, XXXX account no. is XXXX... 
XXXX  account no. is XXXX .... 
XXXX  account no. is XXXX .... 
XXXX XXXX account no. is XXXX .... 
XXXX XXXX account no. is XXXX ....
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Had to take a forbearance on my mortgage payments. Called Shellpoint on XX/XX/XXXX. Requested forbearance. Was assured I was covered for XXXX, XXXX, XXXX. I did not make the XXXX payment, as I was covered. 
In XXXX they informed me I was late on my XXXX payment. Since then I have gotten the cold runaround regarding the XXXX payment. They have assessed late fees as well. They refused to listen to the recording of the XXXX call. They refused to provide a copy. Now they refuse to answer ANY of my questions. 
It's all in writing. XXXX emails of them ducking the issue. They know they are wrong. They are just giving me the finger. Happy to forward the email chain and other pertinent info, but not on this public forum. They have their own copy, I insisted everything be in writing as soon as they started playing games. 
All I want is for them to honor the XXXX forbearance and drop the late fee associated with it. If you can curbstomp someone down there so they don't do it again, all the better.
Product: Debt collection

In XXXX, I was contacted by Bronstein and Weiss Arbitration about a payday loan I owed of about XXXX dollars. I was willing to pay, as I am not arguing the loan. After making an initial payment, and XXXX other, I was unable to make the folowing ones because of income. The deb collector contacted me, threatening to " Contact the DA and to have legal and criminal action taken against me ''. I paid another amount and got a receipt, which has my name spelled wrong ( it 's attached ). When I confronted them and asked them for an email or letter regarding the debt and how much I owed, they said they could n't do anything besides the initial deal made between the XXXX of us. They would n't even send me a letter confirming the debt, or anything about it. XXXX weeks ago they contacted me for the last XXXX dollars, threatening again, legal and criminal action. XXXX XXXX XXXX said that his " lead attorney '' was willing to go to court and have criminal action charged. When I asked to speak to the lead attorney, he dodged around and even asked " Ca n't your parents just pay for you? ". He said if I do not pay by XXXX that they would have to press criminal charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently got a refinance loan for my car to get lower interest rate shortly after i recieved the loan my credit score dropped 40 points what is up with that???? ive worked hard to keep my good credit score i make all my payment on time from what i have seen on my report i have too many account on my record which is untrue. ihave only to credit cards with a balance of XXXX  dollers ihave acredit balace avaiilable of XXXX due to my credit aat this time i cant get any type of loan. your credit score is large part of your life. im pleading with you to taking action with this problem and give me feed back im very upset
Product: Vehicle loan or lease

when call they ask them for the 1099 because they charger off as a lost and the keep on repeating report on my credit report and they sold it for XXXX and they took gap insurance that was worth XXXX and extended warranty that was worth {$1200.00} the total for everything come up too {$10000.00} and show me {$16000.00} dollors the own to then when they write off there tax i want off my credit repot because they committing fraud when i send over credit bureaus they will not take it off act fcra section 605b it is illega ; l to report informoation on my credit reort without my permission plaase remove this item from credit reort