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

Equifax has refuse to remove an account listed by XXXX XXXX XXXX. i have provided a copy of the auto loan payoff to equifax as proof that this contract was paid in full on XX/XX/15. Equifax haven't provided me with any proof that this account is verified. I have disputed this account account 3. only to keep dropping my credit score with each dispute.
Product: Credit reporting

I disputed items on my credit on XXXX/XXXX/16 directly with TransUnion stating information was incorrect. There investigation came back that everything was verified and correct. I stated that the accounts were not mine, as I knew because the balances reflecting on my credit bureau were incorrect. TransUnion instructed me to reach out directly to creditors and file a complaint with CFPB, which I did. I have attached documentation. 

XXXX XXXX came back indicating a completely different balance than the credit report agency is showing, which supports my claim that this account on my credit report is not mine and needs to be deleted. .The account TransUnion is reporting as mine has a balance of {$11000.00}. The account XXXX XXXX has for me has a balance of {$15.00}. I submitted all this documentation over to TransUnion, to notify them I had documented proof that the account that they were reporting was not mine. Their solution was to contact XXXX XXXX and update information. 

TransUnion has violated my rights under the Fair Credit Reporting Act ( FCRA ) which is designed to protect the privacy of consumer report information and to guarantee that information supplied by consumer reporting agencies ( CRAs ) is as accurate as possible. I had furnished proof that the information Transunion is reporting is in accurate and they refuse to delete it. Which is a violation carries a fine up to {$3500.00} per the information I found on FTC website. 

I have attached over all the documentation I have sent to TransUnion. This situation is causing a lot of undue stress and financial hardship. XXXX XXXX sent over a letter providing me the account balance information, which does n't match anything the credit bureau is reporting. I have attached my TransUnion credit report from XXXX XXXX, so that you can see the incorrect XXXX Account that TransUnion refuses to delete.
Product: Credit card or prepaid card

I had a balance of {$240.00} dollars on XX/XX/XXXX with a promotional deal that ended that same day. The promotional deal was to pay no interest on purchases over {$3000.00} ( mine was over {$4000.00} ) for 18 months. I was lead to believe that, since I made my purchase with the Zales credit card, that the interest deal worked like a credit card ( meaning a balance of {$240.00} would create a very manageable interest amount added to the bill ). This was not the case. Conveniently, the reminder on the bill was hidden in the middle of the bill, and I was not notified via text or email about the due date ( they have both communication means on file, as they have contacted me on both about separate issues ). I've always paid my bill online, and I signed up for their online bill service, but apparently that wasn't enough for them to email me about the due date. Nonetheless, I paid the bill on XX/XX/XXXX, and, mysteriously, the payment didn't process until four days later, so the interest of the entire purchase was charged to my account. My bill has jumped up to around {$1200.00}.
Product: Credit reporting or other personal consumer reports

I asked the the company to use one loan where it seem to be XXXX different loans from the same company also I asked to to delete the inaccuracies of late payments on the credit report 15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began to review information on my personal credit file and noticed SEVERAL errors and inaccuracies. Based on my rights as a consumer, I began to request verifiable documentation for the items being reported. Upon contacting several agencies, I was alerted that information was not shared, thus, indicating that company 's response to the item in question ( Bankruptcy ) being verified was not only a deliberate lie, but also illegal. The company deleted this item from my credit files, THEN ADDED this item back, which is also illegal.
Product: Credit reporting

It appears that Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed. 
XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015
Product: Debt collection

Checking my credit report, I found an account in collection, which does not belong to me, after contacting the customer service of the XXXX XXXX, I reported the pertinent data of the company that was trying to collect said debit, we contacted them, After informing them of my personal information, and letting them know that I am not responsible for it, a representative named XXXX XXXX, who did not want provide his agent number, informed us that the address was not the name, which confirms that it is an obvious error by the collection company, they transferred us to their supervisor name XXXX XXXX agent number XXXX, she explained to us that an investigation was going to be done to verify the authenticity of the account, to which I responded that if it had been checked, the information and the representative XXXX XXXX let me know that I did not have to pay it and that it would be closed in their system, that they were obliged to remove it under the fair credit reporting law by is acronym FCRA I never received a letter with the intention of collecting I hope this inaccurate report is removed from my credit files from XXXX, XXXX, and XXXX, since it is a clear violation of my right
Product: Debt collection

On XX/XX/XXXX, a woman illegally served papers to my XXXX about an intent to sue. When I called Johnson Mark to let them know and to tell them I wanted the debt verified, they failed to verify that debt within XXXX days. They stated they would call back ; I have it recorded from XX/XX/XXXX. They never called back, and then I received a judgment against me without so much as a notice and no opportunity to represent myself in a court of law. 

The issues stem from the following incidents : XXXX. Improper Service of Notice on a XXXX : Johnson Mark LLC served a notice of intent to sue on my XXXX child. This is highly inappropriate, as a minor can not legally be held responsible for debts or be served legal documents in this manner. This action demonstrates a reckless disregard for proper legal procedure and appears designed to intimidate rather than follow due process. 

XXXX. Failure to Validate Debt Within XXXX Days : After receiving communication from Johnson Mark LLC regarding an alleged debt, I requested validation of the debts accuracy. The firm failed to provide any confirmation or documentation within XXXX days, as required under federal law ( FDCPA, XXXX XXXX. XXXX ). This refusal to verify the debts legitimacy raises serious concerns about the validity of their claims and their compliance with consumer protection standards. 

XXXX. Filing a Lawsuit Without Notice or Opportunity to Respond : Johnson Mark LLC proceeded to file a lawsuit against me without providing prior notice of intent to sue or an opportunity to respond or resolve the matter outside of court. This lack of communication denied me due process and appears to be an attempt to exploit the legal system for unjust financial gain, potentially constituting an abuse of process. 
These actions have caused significant distress to my family, including my minor child, and I am concerned that Johnson Mark LLC may be engaging in predatory or unlawful practices targeting vulnerable Utah residents. I request that your office investigate the firms conduct, including their compliance with state and federal debt collection laws, proper service of legal documents, and ethical standards for initiating lawsuits.
Product: Debt collection

Amshercollectionservices They put a collection account on all my credit bureaus on XX/XX/2022 it is not mine
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Subject : Request for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by Equifax. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt. 

The debt is validated to ensure that the reported information is complete and accurate. 

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law. 

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the collector must provide a written notice including : The total amount of the debt. 

The name of the original creditor. 

A statement indicating that the consumer has 30 days to dispute the validity of the debt. 

If the consumer disputes the debt, the collector must provide written verification. 

If the debt is not properly validated, it can not be legally reported or collected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX, Transunion, and XXXX about inaccurate reported late payments, I uploaded a two bank statements to validate my dispute, yet no action was taken on my behalf.
Product: Vehicle loan or lease

SANTANDER CONSUMER USA is reporting a negative remark on my credit report for a vehicle that was voluntarily surrendered and closed account for the amount of {$20000.00}. 

The account was opened XX/XX/XXXX and closed XX/XX/XXXX - but the last payment was made on XX/XX/XXXX. The dates are completely mixed up as well. 

The reason for the request to the lender to pick the car up was because of a broken promise on the dealership and lenders end. It was agreed upon at the time of purchase that any issues concerning the mechanics of the vehicle would be fixed and addressed by the dealership and almost after 1+ years the the issues were still never fixed.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that I do not recognize.
Product: Credit reporting or other personal consumer reports

I went to a Debt Consolidation Company, XXXX XXXX, and after paying them they were reporting on my Credit Report 3 Times. They were to use the Debt Consolidation Loan, and payoff the Credit Cards. Instead all of the Debt is still on my Credit Report.

Jefferson Captial is On My Credit Report, who I never did
business with along with XXXX XXXX. 


They are illegally reporting kn my Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ID XXXX CFPB Write up ======================== 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. 
XXXX Account XXXX. XXXXdept Of Ed - Other XXXXXXXX XXXX XXXX Bal : {$12000.00XXXX XXXX XXXX XXXX XXXX- has violated my rights. 

XXXX XXXX Account # XXXX - has violated my rights XXXX. 
XXXX XXXX - XXXX Account # XXXX - has violated my rights XXXX. XXXX  Account # XXXX - violated my rights XXXXDEPT OF ED Account # XXXX 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 the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. These accounts have been reinserted and duplicated accounts after being remove and under XXXX that is a blatant violation to my personal credit and financial sustainability. 

I dont know why the credit bureau is so consistent with causing harm to my person and financial obligations by reporting information and accounts that do not belong to me even after there were sent the Federal Police Report of proof of my identity theft.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, 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. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 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 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 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 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

I have information from Equifax on my report that is negative. It says I owed money to XXXX XXXX XXXX. I thought this had been settled. This information is damaging to my score. I have paid all my bills on time for XXXX years.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

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

In accordance with the fair credit Reporting act XXXX Account # XXXX, 15 USC 1681 Section 602 StatesI have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a. consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payments on a credit card account under an open end consumer credit plan as a late purpose
Product: Vehicle loan or lease

I have read several reviews about fifth third bank not knowing who they were until after I signed the agreement application for car loan to find out so many people have been complaining about this bank they have even been sued why are they allowed to continue mistreating people and taking their money.i am currently trying to get my credit union to take over my loan so that I don't have to deal with others are dealing with .and noone is doing anything about them.i and I'm sure others work too hard to get the run around about their money this is why people are taking it out on one 's like them in a bad way .they should really change their way or something bad may happen to those working for this bank .this day and time is very rough no time for nonsense ..should be great fun to have a job. America allows to much mess to go on with out serious punishment .the reviews I read they all would be fired ..I want out before getting the same treatment. I don't know how I would handle it .I will drive there .since noone else can seem to stop this terrible nightmare behavior.
Product: Credit reporting or other personal consumer reports

I have hard inquiries on my credit that are unauthorized and I want off.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MY EXPERIAN CREDIT REPORT I HAVE MISSED SPELLED NAMES AND ADDRESSES THAT DON'T BELONG TO ME NAMES : 1. XXXX XXXX XXXX 2.  XXXX XXXX 3. XXXX XXXX ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX 2. XXXX XXXX XXXX  XXXX FL XXXX 3.  XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX, FL. XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX PHONE NUMBERS : 1. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX 3. ( XXXX ) XXXX 4. ( XXXX ) XXXX 5. ( XXXX ) XXXX 6. ( XXXX ) XXXX 7. ( XXXX ) XXXX
Product: Mortgage

I previously did a complaint with Bank of America on this matter and only one of two issues were resolved. They did advise that their XXXX loan on this land was transferred to XXXX BUT they did NOT resolve the issue on the mobile home which sits on this property. 

In XXXX XXXX and XXXX XXXX received a loan from Bank of America which put a lien against the land located at XXXX XXXX XXXX, XXXX, CA AND the mobile home located on said land known as " XXXX XXXX, Model Starcrest, Serial Nos. XXXX ''. 

In XXXX the XXXXXXXX XXXX refinanced this property again with Bank of America, and said loan is still being paid at this time and we are NOT asking for a release for this loan. What we are asking for ONLY is for Bank of America to remove their lien from the mobile home as the XXXX loan was paid in full in XXXX. Attached you will find the XXXX Title Search showing the lien on the mobile home is specifically for the XXXX loan ONLY as the loan in XXXX did not put a lien on the mobile home. I have also attached a copy of the 1st page of the XXXX Deed of Trust and the Full Reconveyance that was recorded in XXXX which removed the XXXX lien off the land but not off the mobile home. 

I have been advised over and over that THIS loan ( XXXX ) was transferred to XXXX in XXXX but you can not transfer a paid/closed/release in full loan since it no longer exists. If BofA was able to record a Full Reconveyance in XXXX for land they are also obligated by law to release the lien from the mobile home that was secured by the same XXXX loan that has been PAID IN FULL. 

Please make sure that someone from BofA has a representative that is familiar with how mobile home liens work deal with this complaint because the regular loan parties just are not understanding this matter.
Product: Credit reporting or other personal consumer reports

I am writing this letter to formally request an investigation and correction of the account that appear to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. Furthermore, I request that you verify the aforementioned account. If the information can not be substantiated as 100 % accurate, I respectfully request that you correct it from my credit report immediately. Please help me investigate this account : XXXX XXXX XXXX  Balance Owed : {$0.00}.