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

I declare under pentalty of perjury, that the foregoing is true and correct to the best of my knowledge.Further i certify that i am permitted by Federal and state law to file this dispute.These items that are found on my credit report are not related to any transaction that i made or been apart of.These credit reporting agencies are in a clear violation of the United States Code Law 15 U.S. CODE 1681 1B- Permissible purposes of consumer reports they are reporting unknown accounts without my authorization. I never gave XXXX, XXXX, experian written consent to report anything to my consumer report. On XX/XX/2022 i sent a dispute to XXXX XXXXXXXX and experian certified mail letting them know of this violation and requiring proof of my of my written consent. As a consumer by law these accounts on this letter must be deleted immediately from my consumer report. This has caused me to suffer and its defamation of my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX an advisory that this account by the name of designed receivables has been knowingly and wrongfully reporting onto my credit report. I have sent this agency disputes which I will attach copies of here and they have been reading them and willfully choosing not to reply, this is grounds for removal and I will attach green return label for proof they chose to ignore me rather than to apply accordingly to my dispute letting them know they are illegally and wrongfully reporting to my consumer report. I AM ALSO REQUESTING PROPER AND COMPETENT VALIDATION OF THIS DEBT AND HIPPA AUTHORIZATION, A BREAKDOWN OF FEES INCLUDING ANY ALL COLLECTION COSTS AND MEDICAL CHARGES, A COPY MY SIGNATURE WITH THE PROVIDER OF SERVICE TO RELEASE MY PRIVATE MEDICAL INFORMATION TO THEM, AND TO STOP ALL CREDIT BUREAU REPORTING UNTIL THIS DEBT HAS BEEN PROPERLY AND COMPETENTLY VALIDATED NOT VERIFIED BY ADDRESS THAT I HAD TO PROVIDE TO THEM CAUSE WHEN I CALLED THEY DIDNT EVEN HAVE MY ADDRESS ON FILE ( recorded )
Product: Credit reporting or other personal consumer reports

These accounts are being reported illegally against me and on my credit report XXXX XXXX reporting open date XX/XX/XXXX. 
XXXXXXXX XXXX reporting an open date of XX/XX/XXXX. 
XXXX XXXX reporting an open date of XX/XX/XXXX. 
XXXX XXXX reporting a charge off with an open date of XX/XX/XXXX and a balance of {$6000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX reporting a balance of {$1600.00} with a date assigned XX/XX/XXXX. 
XXXX XXXX reporting a balance of {$490.00} with a date assigned XX/XX/XXXX XXXX XXXX XXXX reporting a balance of {$720.00} with a date assigned XX/XX/XXXX XXXX XXXX XXXX  XXXX reporting a balance of {$4100.00} with a date assigned XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting a balance of {$450.00} with a date assigned XX/XX/XXXXXXXX XXXX XXXX XXXX reporting a balance of {$600.00} with a date assigned as XX/XX/XXXX XXXX XXXX reporting a balance of {$140.00} with a date assigned as XX/XX/XXXX According to 15 U.S. Code 1681a : consumer report does not include : " report containing information solely as to transactions or experiences between the consumer and the person making the report " Also According to 15 U.S. Code 1681b : it states " 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.

I have never provided any written permission to any of the accounts listed above and this illegal reporting. Public Law 90-321 ( 82 Stat. 146 ) also states that any agency can only get your report in response to a State or local government official authorized by the head of such an agency or a local child support enforcement agency. None of the original creditors listed above are applicable to those which are allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022, I attempted to pull my three credit bureaus and all of them have negative information reporting on my reports. I have information that does not belong to me. I have been a victim of identity theft and I had no idea i had this information reflecting on my report. I will be filing a police report regarding all of these negative accounts and I also am submitted via certified mail a copy of these reports to each company with a copy of my license as well as my social security card. Please make a notation on my file about this report. As it is causing me emotionally stress and duress and it is not allowing me to fulfill my daily duties as a mother and a wife. It is causing turmoill in my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got emails stating I had a New Account that has been opened and also, got another email stating an account in my name shows a different address. So I went and did a credit report and it shows a new address that is not mine and a new account opened which is not mine.
Product: Student loan

XX/XX/XXXX @ XXXX, I contacted F H Cann & Associates to make arrangements to pay my student loans. The representative who answered the call stated, I couldn't make arrangements to pay my student loans because I had made arrangements in the past with the past servicer. He then asked if I could pay XXXX to pay my loans off. I informed the gentleman that I didn't have XXXX. The gentleman said we'll I didn't qualify for any other program, I could only do the program 1 time. My only options were to pay over XXXX a month or settle for XXXX. He stated his computer shut down and he could no longer assist me. I hung up and called again at XXXX, spoke to another representative he stated again I didn't qualify for any programs and I can only do the program once and he could settle for XXXX and close the account. I asked could I apply for financial assistance and originally he said I couldn't. He then stated that he'll mail the form to me. I then called back at XXXX to request a deferment till I recieve the forms and they are processed and the representative said they couldn't give me a deferment. I called XX/XX/XXXX because I never received the financial forms I requested and asked for a deferment the representative said she sees where the forms were mailed out but still refused to give me the deferment.
Product: Debt collection

I was contacted by the XXXX XXXX XXXX who evicted me because I reported and filed police reports because of safety issues. There was a man stalking my apartment and my XXXX young boys and after repeated notifications to the apartment complex they did nothing to help me. They even stated their cameras were not in working order so they could not catch the suspect on camera. I attempted to move to a higher level because I was on the ground level but was told I would have to pay a new security deposit and month 's rent before the transfer could take place. The apt complex knew I did not have the extra money to move because I was a single mother and recently lost my job. Despite everything that I was going through, I made attempts to pay what I could my last month of residing there ( approximately XXXX 2015 timeframe ) and my money was accepted, but I was still evicted. I then received a bill for over {$1700.00} stating that I needed to pay for the remainder of the month in which I was evicted as well as the upcoming month because I had voluntarily left the property. This is absurd. When I contacted the debt collector, they had stated that they had no recollection of eviction and their client, the apt complex had informed them that I voluntarily moved out and that I owed rent as well as replacement of carpet fees worth over {$1000.00}. They kept my security deposit and sent me a bill which was surprisingly already on my credit report being reported as a collection. This has ruined my credit and I want justice. They did threaten to take legal action and hired this attorney 's office which is the one reporting this false debt.
Product: Credit reporting or other personal consumer reports

I'm not connected to these creditors, and I didn't start those inquiry. I'm asking you to get them out of my credit report immediately.
Product: Debt collection

A debt listed on all 3 major credit reports continue to list a fraudulent debt that I do not owe that is over 20 years old. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. Experian and XXXX refuse to remove the report in violation of law. XXXX ( debt ) has never, in 20 years, produced a promissory note or anything with my signature on itt proving this debt because I do not owe it. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
Product: Credit reporting or other personal consumer reports

Whenever a consumer reporting agency prepares a consumer report, it is supposed to follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual whom the report relates. 

Unfortunately, the below accounts are falsely reported and should be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ask them to verify how they state the information is correct when it is a fraud, and they have a copy of my police report but refuse to remove item because they say it's verified without showing proof to me that they verified it. XX/XX/year>. I called and spoke with rep they ask me to upload police report which I did, and they still haven't acknowledged it but state they verified this account without showing me where they verified this information. I filed my first dispute. then a file another XX/XX/year>, sent police report and they still refuse to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. XXXX advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with XXXX XXXX XXXX about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. On XX/XX/XXXX, I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX is reporting lates on mine and my husband 's joint account that I should not have. We had this on auto-pay and never received any statements for it. We changed our address and had a forwarding address so there was no reason for us not to get these. Our mortgage went up and we never received notice or a phone call so we did not know to make higher payments, again this was on auto pay and we did not know the payment changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

That is so funny because I called my self, and they say that I have not submitted any dispute, but I have proof with certified letters that I have sent them everything they asked for. I have called personally, and they have responded that I had not submitted any dispute. After three months of trying to dispute and no response, I mailed the last dispute with certified mail with signature evidence of being received. You need to realize that I am the consumer and I should not have all this issue to dispute to TransUnion. That after 3 months they still have not responded.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent this company a letter about some errors on my credit report, but it's been over 30 days, and I still haven't received any response from the company. I was informed that they may be violating the FCRA law for not complying. Please take a look at this matter, as those errors on my credit need to be cleared as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXXcalling and Harrassing me over a charge off loan they have wriiten off and still have the amount of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my XXXX credit card switched from XXXX XXXX XXXXXXXX to Comenity bank I had a balance of {$2200.00} I had credit points towards my balance of {$280.00} this information I had got from their service representative by phone on XX/XX/XXXX. 
I paid {$1900.00} on XX/XX/XXXX. 
I never used the Comenity bank credit card I received billing for the {$280.00} that were my credit points plus interest plus penalties in XXXX I called them at that time and told him what the issue was they said it would be resolved. In XXXX got the same bill with more penalties and interest sent them a letter XXXX XXXX same story. I have filed complaints with their company on two different occasions on two XX/XX/XXXX and most recently on XX/XX/XXXX. At this point I have sent three letters one of them a registered letter on XX/XX/XXXX ive made at least five phone calls been told repeatedly issue would be resolved and it has not. My credit score has been downgraded to the mid XXXX when it had to of been well over XXXX. I need to get this issue resolved as my insurance quotes and rates have gone up due to my rent lowered credit score. I do not know how to put these copies of my letters and statements into a file to send with this complaint. I can supply copies of documentation if I have a mailing address or a email address my phone number is XXXX my mailing address is XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX I sent and contacted Financial Assistance and advised them that the accounts they are reporting on my credit report. I sent a theft affidavit to the credit bureau 's and to financial assistance advising them that this was not my account. Each time Financial Assistance is saying that the account is mine but I advised them that I had XXXX during the time my identity was stolen and this account was opened. I have done everything on my part by sending them the report letting them know this account is fraud and they are still reporting it. I was told to contact XXXX XXXX and XXXX XXXX informed me to call Financial Assistance at this point this I just need one of the companies to resolve this. I have never had a account or accounts with this company. Someone stole my identity and opened up my account
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. 

I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EQUIFAX RECEIVED THE LETTER.
Product: Credit card

On XXXX XXXX, XXXX, I paid the minimum monthly amount due on my credit card. That date was the deadline. 

The next day, I noticed that Citi had charged a late fee of {$40.00}. I called customer service and, after a long discussion, the bank reversed the charge. However, the agent took the position that the bank had " waived '' the fee as a courtesy. I explained that charging customers late fees when payment was timely was illegitimate. 

My concern is that the practice must be systemic. An investigation is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX ***** Opened XXXX XXXX, 2012 Balance {$0.00} XXXX XXXX XXXX ***** Opened XX/XX/2012 Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for their continuous failure to investigate credit report disputes that I have submitted since XX/XX/2023. Despite my repeated attempts to address inaccuracies on my credit report, I have received only one response dated XX/XX/2023, which accused me of using an unauthorized third party and refused to conduct an investigation.

The items that I have been disputing with TransUnion are as follows : XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. BANKRUPTCY TransUnion 's failure to fulfill their obligation as a consumer reporting agency to investigate these disputed items is a clear violation of the Fair Credit Reporting Act ( FCRA ) and infringes upon my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company back in XXXX & discuss the problem of why I was late on my payments I was out of work so later so back in XXXX when I talked to someone he said I may qualify for a payoff so I got the email in XXXX of the amount of what I had to pay I pay the amount that they ask I call them & ask them why am I still getting emails 3 weeks later of the balance I was told it takes time 7 the computer was sending the automated emails out the reason why reaching out to you is because they put it on my credit report as late payments it's like they didn't listen to me paid them what they ask weeks ago & they still reported to XXXX they told me its nothing they can do its aready been send they can't reverse it I was told to dispute it.
Product: Credit card or prepaid card

Received an offer from american express XXXX card for adding up to four authorized users and receive XXXX points after XXXX spend for each card. Completed the required spending on both card but only got bonus points for the first card. Contacted the customer support but they ca n't help.
Product: Credit reporting or other personal consumer reports

Transunion IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 5th ATTEMPT WRITING Transunion ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting 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
Product: Credit reporting or other personal consumer reports

WHAT IS WRONG WITH TRANSUNION, THEY HAVE BEEN VIOLATING MY RIGHTS DUE TO ME RECIEVING THE 1099C FROM XXXX. THEY MUST STOP MEANING CEASE REPORTING THIS ACCT AND CHANGE ACCT TO 0 BALANCE.I ATTACH THE 1099C PLEASE FIX OR THE NEXT LETTER WILL COME FROM MY ATTORNEY BECAUSE ACCORDING TO 15 USC 1681 EVERYTHING MUST BE ACCURATE ON MY CREDIT FILE AND THIS ACCOUNT IS NOT ACCURATE AT ALL. LOOK INTO THIS AND PLEASE JUST DON'T FORWARD THIS OVER TO TRANSUNION WITH OUT HANDLING THE ISSUE. I'M QUIET SURE YOU KNOW THE LAW TOO. ITS NOT TO BE SHOWING AN AMOUNT ONCE I RECIEVED A 1099C. SOMEONE IS NOT DOING THERE JOB. THEY UPDATED THIS ACCOUNT BY CHANGING THE BALANCE TO {$0.00} ON XX/XX/year> AND I'M ATTACHING MY TRANSUNION CREDIT REPORT TO SHOW WHEN THEY UPDATED IT AND THE REPORT FROM TODAY XX/XX/year> WHEN THEY ADDED THE BALANCE BACK ON MY CREDIT REPORT. ACCORDING TO IRS INCOME CAN NOT BE REPORTED ON YOUR CREDIT REPORT ONCE A 1099 HAVE BEEN ISSUED PLEASE REMOVE THIS ACCT OR BALANCE AND THIS ACCOUNT IS DUE TO COME OFF MY CREDIT XX/XX/XXXX SO PLEASE DELETE. THANKS
Product: Debt collection

Not all payments were reported. Payment in full not reported as my maximum balance of credit card was {$300.00}. Plus, I paid more than that. Still not removed from my credit reports.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, these inaccurate accounts have violated my rights. Please see below : XXXXXXXX XXXX XXXXXXXX - XXXX - please Delete this account for violation because the date of last activity is reporting inaccurate dates. 

XXXX XXXX  - XXXX  - please Delete this account for violation because the collection is it has not been verified. Please provide proof of contract with my signature or delete. 

XXXX  XXXX XXXX - XXXX - please Delete this account for violation because the collection is it has not been verified. Please provide proof of contract with my signature or delete. 

XXXX XXXX XXXX - XXXX - please Delete this account for violation because the collection is it has not been verified. Please provide proof of contract with my signature or delete. 

XXXX  XXXX - XXXX - please Delete this account for violation because the charge-off, date of last activity is reporting different dates. 

XXXXXXXX XXXX XXXXXXXX - XXXX - please Delete this account for violation because the charge-off, date of last activity is reporting different dates. 

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.