23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I dispute with Transunion and ask for specific information to help me settle my situations with creditors and they send me information that is computer generated. I need for them to check the information not get computer generated information, so I will be able to follow up on the dispute with the physical information they obtain. So I am attaching a letter to this complaint for Transunion, which is a request to investigate and provide me everything I need listed in the letter to help me settle my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Cosigned a mortgage with my XXXX  There was fraud on behalf of the mortgage broker. ( Who went to XXXX ) He said my name would be off the loan in six months. It was not and years later in XXXX the loan was modified. However, my name remains attached to the mortgage. I have never lived at the address ; I have never paid the mortgage. In the last 7 years my XXXX  XXXX XXXX who lives in the home has paid the mortgage on time each month. He has the finances to continue. He bought the house he lives there. He should be getting the credit for paying the mortgage on his credit report for the last XXXX years. The loan should be in his name only. WSFS XXXX XXXX and their servicer XXXX should correct this. It would be easy way to settle an ongoing financial problem. It would be the right thing to do. XXXX XXXX
Product: Debt collection

This company has sent me a dunning letter suggesting I send them a written letter or the alleged debt would be assumed valid. I believe this is an attempt for XXXX XXXX XXXX to abuse the system and suggest I have not already exercised my right for validation. The information they have provided in a previous complaint through one of multiple collection agencies they report to have put on retainer for collection services has been proven invalid and I have documented this Consumer Financial Protection complaint XXXX. This complaint verifies I have already disputed this debt and asked for validation along with requiring further communications to be by written letter only. This company, Central Credit Services LLC has called me repeatedly even though I have written to multiple collections agencies who have each notified XXXX XXXX XXXX of my dispute and my requirement to cease phone calls to any number that may reach me. This CFPS complaint should serve as an additional written communication to again demand this debt is in dispute and I do not want any phone calls as any phone call is an inconvenience to me.
Product: Credit reporting

transUnion told me that they will not reinvestigate a public record that 's not mine because they tell me they have information saying that it 's correct but they will not provide the proof they supposedly got about the public record
Product: Vehicle loan or lease

Hello, I reached out to my lender Pen Fed in XXXX of XXXX  and explain how I had XXXX  and was XXXX  and explain to them that I was going through a financial hardship and they explained to me it was nothing they can do about it they have already gave me the amount of extensions that they could and I completely believe this is unfair so I would like to exercise my consumer rights section XXXX ( a ) XXXX ( b ) XXXX ( d ) right of rescission section 125 is good for three years. vehicle is already paid for by my Social Security number so technically Im paying for this vehicle twice which is against the law. They also broke the Consumer law with 15 US C1662B no down payment too much I paid one. They also broke the law with 15 US C1605 the termination of finance charges finance .I have been misled by his company and taken advantage of, I need someone to look into this matter immediately I have dealt with this company for a long time and Im truly traumatized define out how they Took a vantage of my consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reported delinquent payments missed to my Credit Report. After the Vehicle was in there possession for months prior. Shared my Report with third Party. Violating my Privacy. 
Account # XXXX XXXX XXXX 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 Account : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 person knows or has Reasonable cause to believe the information was in correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX the following accounts were taking off my credit report 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 On XX/XX/XXXX all the items were put back on credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. 
I received no such notification. This is very serious violation of the FCRA. These items need to be removed off of my credit reports immediately.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 609 and 611. The account in question for {$660.00}, listed under XXXX XXXX, XXXX requesting proof of my responsibility for this debt, or any legal obligation to pay it, under the provision of the Fair Debt Collection Practices Act, Section 809 ( b ). I kindly request the following documentation : The amount of the debt and any additional charges such as interest or fees ; Documentation that shows I agreed to pay the alleged debt ; prove that this companys license to collect debt in my state.
Product: Debt collection

I questioned this debt after getting harassed by RS Clark via the phone. I had a firm retained to send out for validation of this debt and a cease and desist phone contact order. What they sent back as validation is concerning. It shows my daughter as the guarantor, yet she was XXXX years old at the date of service on the invoice, a medical practice we have never heard of for a specialty my daughter has never required, in state we do not reside in, and a doctors name we have never heard of!
Product: Credit reporting or other personal consumer reports

From approximately XXXXXXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/2024 I was on a phone call with Resurgent/LVNV regrading 2 debts they were reporting on my credit report. 

Both were supposedly opened with the Original Creditor of " XXXX XXXX XXXX '', and both were in the amount of approximately {$600.00} ( {$630.00} and {$580.00} ). 

I inquired as to how they received this information, and was told by my first point of contact on that phone call that they received a file electronically that contained the general cardholder agreement, but did not contain my signature or a record of me verbally agreeing to it. 

When I asked how they were then able to verify the legitimacy of the debt, I was escalated to the next tier, where I was told directly that Resurgent/LVNV only verifies that the name, SSN, etc of the person they're attempting to collect from matches the information given to them by the creditor, and that *they do no verify that the person in question ever agreed to open the account in question*. 

This is *not* me reading into what she said. I asked her very pointedly " Do you verify that the person you're attempting to collect from agreed to enter into an agreement with the creditor? ". 

Her answer was " We do not verify that. '' When I then began to interject and ask what exactly that meant with regards to their ability to legally collect the debt, she abruptly ended the call without warning.
Product: Credit reporting or other personal consumer reports

I would like to respectfully remind you once again to immediately remove any unproven or inadequately supported claims from your reporting. As a data reporting provider It is imperative that you meet the minimum criteria to required to report with the conditional proveledge to do so. Failure to do so raises doubt about the validity of any and all claims that you make 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: Credit reporting

Transunion has locked my credit file so that other agencies like fico are not able to provide me with XXXX bureau credit reports and their own website has locked me out of access to online disputes. I just had to hang up in an XXXX lady that did n't know what she was talking about and kept telling me I still have XXXX balance on an account that XXXX reports as XXXX balance. If I try calling the credit company itself, XXXX, I 'm met with even further incompetence and this XXXX account is the only thing preventing me for being approved for any worthwhile credit card or loan. They 're costing me a lot of hardships and dragging their feet and pretending ignorance least they be this XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit line increase through your online Credit Line Increase Tool located at XXXX XXXX XXXXXXXX. I only did this because it clearly states A credit bureau report will not be requested and you will receive an instant decision. ( refer to screenshot on page 2 ) of that tool and that exact statement. I put in the request, my request was granted on XXXX. However even though your tool clearly states you will NOT request a credit bureau report your system requested one anyways as part of this request. 
- faxed letter attached : XXXX XXXX Credit Bureau Dispute Unit.pdf I contacted their customer service department multiple times and someone was looking into this and noticed there was a technical glitch in their system that initiated this credit pull by accident. XXXX XXXX followed up stating it was a system error and I should submit the request to remove this credit inquiry from XXXX Credit Bureau Dispute Unit department. After 4 conversations, 4 faxes sent all I received was their generic letting stating this hard credit pull will not be removed. 
- file attached : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX XXXX ( the dealership ), for 3 years and with a XXXX allowance. I returned the vehicle early, in XXXX of XXXX and leased another XXXX from the same dealership. I had an excess wear-and-tear policy on the vehicle. The dealership agreed to waive any excess fees, including the fee for a lost key. The manager assured me that I had nothing to worry about or that I would have to file a claim with the company that issued the excess wear-and-tear policy, and that the dealership would handle everything for me, and they would also waive the end-of-lease disposition fee. I had made all lease payments on time and in full until early termination of that lease. 
I received several notices from XXXX XXXX XXXX ( XXXX ) concerning an outstanding balance, including missing monthly payments ( although I had returned the vehicle early! ). I contacted XXXX at that time and informed them that the dealership was handling everything. After a few more notices from XXXX, I repeatedly contacted the dealership and asked that they do something about the invoices from XXXX and they repeatedly assured me that they were taking care of it ; in hindsight, they werent. 
I heard nothing from XXXX after the dealership informed me that they took care of everything, clearing up the situation with XXXX and that they sent a payment to XXXX  to cover the lost key. 
I recently checked my credit report and found that XXXX had entered a charge-off against me. XXXX never advised me in advance that XXXX would be reporting a bad debt. I submitted a dispute with Transunion and XXXX regarding the charge-off. Both bureaus reported that they had contacted XXXX and that the charge-off was correctly entered by XXXX. I contacted XXXX  and they informed me that the dealership, or the warranty company, had indeed sent XXXX  the balance due on my account, but that XXXX had already reported the bad debt charge-off before receiving the communication from the dealership, and there was nothing XXXX  could do to rectify that since it had already been reported. 
Because the dealership ( and the warranty company ) were delinquent in sending XXXX the missing information about the early lease termination and waiver of all and any additional costs, I suffered a negative entry in my credit reports.
Product: Checking or savings account

XXXX or about XX/XX/2023 I made a deposit for {$4300.00} a cashiers check cashiers check number XXXX. The funds have been held up for over 10 days this is a cashiers check theres no reason to hold that money on a cashiers check awesome in the deposit on XX/XX/XXXX in the amount of {$6300.00} is a personal check and the funds cleared I have over {$20000.00} at Bank of America is holding up my money and XXXX is an extended hold and based on government regulations and the global conditions that they have to put holes on everybodys checks Ive never bounced any checks Ive never Made fraudulent activity on the account. My funds need to be made available. It is a small business account and that you always say small businesses, backbone of XXXX well why isnt there any help for small businesses? These banks are taking the money home for 10 days Im not getting the interest off that money theres no benefit for me all the benefits in their hands theyre got it over {$20000.00} off of my account. Multiply that by millions of accounts and they hold on to the money and not release the money so small businesses can operate, working capital something must be done. This is fraudulent almost criminal to steal someones money and then politely return it after 10 days of use without any interest.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e .

It has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing. These remarks are [ describe the remarks in detail, including any inaccuracies or misleading information ].

I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.

Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report. 

I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within [ specify a reasonable timeframe, such as 3 days ] from the date of this letter. 

Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. 

account-XXXX XXXXXXXX XXXXXXXX Update status on dates followed to current status. 

Dates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concern regarding the completeness and accuracy of the information contained in my credit report, as mandated by 15 USC 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/2023, I acquired a copy of my credit report from XXXX, XXXX and TransUnion. Upon reviewing the report, I noticed several discrepancies and inaccuracies that require immediate attention. In accordance with my rights under 15 USC 1681i ( 5 ), I have already requested the credit reporting agency to conduct a thorough reinvestigation into these matters. 
I have taken the following steps to address the inaccuracies on my credit report : Obtained my credit report : I acquired a copy of my credit report from XXXX, XXXX, and TransUnion. 
Reviewed the report : I carefully examined the credit report, thoroughly analyzing each section and account details. 
Identified discrepancies : I discovered several instances of inaccurate and incomplete information in my credit report. The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit report, provide specific details of the errors you found, such as incorrect account balances, and outdated personal information. 
Disputed the information : I promptly submitted a written dispute to XXXX, XXXX and TransUnion on XX/XX/2023. In my dispute, I clearly outlined the inaccuracies and attached all relevant supporting documentation to substantiate my claims. 
I kindly request your assistance in ensuring that the credit reporting agency complies with the provisions outlined in the FCRA. Specifically, I would appreciate your oversight to ensure that the credit reporting agency conducts a reasonable reinvestigation within the 30-day timeframe, as required by 15 USC 1681i ( 5 ). Furthermore, I would like to request that you monitor the resolution of this dispute to ensure its accuracy and fairness. 
Enclosed with this letter, please find copies of my credit report, the dispute letter I sent to the credit reporting agency, and all supporting documentation related to the inaccuracies identified. These documents will provide you with a comprehensive overview of the situation and assist in your investigation. 
I genuinely believe in the importance of accurate credit reporting, and I am committed to resolving these discrepancies. I appreciate your attention to this matter and look forward to your assistance in rectifying the inaccuracies on my credit report. If there are any additional steps or information required from my end, please do not hesitate to contact me. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX and TRANSUNION has two open accounts that I have previously requested for the last two months to have deleted the information is NOT ACCURATE and states the account date was before I was BORN. I was born XX/XX/XXXX. 
Both of these accounts are listed on my TRANSUNION with dates BEFORE I was born and need to be deleted and updated immediately!!! INACCURATE and Unlawful reporting that violates my Consumer Rights and is hurting my credit score. Delete and update my Credit Report today and DO NOT put this back on my Consumer Reports again. This is Identity Theft and Fraudulent, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent accounts : on XX/XX/2020 wrote a letter no response from any consumers about misleading information on my credit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX s.c XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ma XXXX. 
15 usc 1681 section 602 states I have the right to privacy.15 usc1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.usc1666B a creditor may not treat a payment on a credit card account under an open end consumers credit plan as late for any purposes.
Product: Debt collection

I am a natural person, creditor, and consumer stating from 15 USC 1692a ( 3 ). I'm reporting Identify theft under 15 USC 1681c-2 blocking information resulting from identify theft. I have never given written permission to XXXX XXXX XXXX to share my information with FMS Solutions. In violation to 5 USC 552a No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. I've attached numerous violations from the contract they gave me along with the revocation of my signature from that contract.