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

The credit bureaus continue to report a collection " XXXX XXXX XXXX '' on my credit report which is 100 %, not my debt. 

I have sent them numerous letters in recent months and still, they have failed to even provide me once with any findings and documentation supporting the outcome of the investigation. 

under the FCRA they are required to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that they " verified that the debt is valid '' and that these items are being reported correctly Who verified these accounts? they have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information relating to " XXXX XXXX XXXX '' Collection. 

IN FACT, I HAVE PROVIDED TO THE CREDIT REPORTING AGENCY ALL DOCUMENTATION WITH PROOF THAT IT IN FACT IS NOT MY DEBT. 
I have provided documents to show that I am a Florida resident since 2020. My drivers license, utility bills, as well as MY FLORIDA HOME LEASE AGREEMENT SHOWING THE EFFECTIVE DATE. 
Why would I be liable to pay somebody else 's Utility bills for their property while I am not even living in the same state? because I had rented the property previously long before? 

Right now as of the past week, the Collection was not showing on my report because I filed another request and it got removed this month. however, it was already also removed before and then was reported again.

most recently I mailed the 3 major credit bureaus another letter demanding the validation documents of this collection that they said they verified.

XXXX  responded to me that they verified that I have received goods or services and therefore they will keep it and it's valid.

But again, without providing me with any documentation or proof of what's backing that this is my valid debt.

What goods have I received? I clearly sent them proof of my house rental contract of Florida, I have a Florida license, I sent them a XXXX bill of my Utility bills paying in Florida for my house. 

So what exact goods or services have I received in a house that I had nothing to do with in NY? 

This is bizarre and it's highly damaging me. 

My credit report can proof that I never ever miss payments and have a 100 % on time payment history.

Why would I be responsible to pay someone else 's house Utility bills in a State I had nothing to do with at the time.

And still 8 months on my report, valid valid valid but not one single document has been provided to me that shows any agreement or contract I ever agreed or signed with this creditor/utility comapny.
Product: Money transfer, virtual currency, or money service

Cashapp I have lost alot of. Money from game vendors ... through cash app... they never helped to get it. XXXX XXXX XXXX XXXX  hackers have got to my cash app too
Product: Credit reporting

There are several medical accounts that appear under my credit report that is being reported by each credit reporting agency. These medical bills are under collection by XXXX XXXX that do not belong to me. I have tried reaching out to the original creditor to inform them that this information is not true and does not belong to me. They are not able to prove any physical evidence to include legal documents that belong to me. This information is damaging my report and is hindering me. Please ask that they prove or remove this false information. Please
Product: Credit reporting or other personal consumer reports

TransUnion is falsely reporting an erroneous account on my consumer report. I disputed with them and they responded saying the item was 'verified ' by XXXX XXXX I have attached below a letter i received from XXXX stating that the inaccurate information has been 'located and removed ' from their system.
Product: Debt collection

In mid XXXX ameri financial solutions placed a medical debt on my credit report. This was after the final rule placed by your agency not allowing medical debts on personal credit reports, this rule was finalized on XXXX based on your website. I called the collection agency and they refused to remove the debt and said this law or rule did not exist they would not listen at all and this is causing me harm on moving and purchasing a vehicle
Product: Credit card

In XXXX of this year I had my lawyer write a letter to Home Depot stating that their deferred interest program was misrepresented. They never said that the interest that was being deferred would be tacked on to the balance once the deferred period was over. They lead me to believe that I would only be paying interest on my current balance. My lawyer sent the first letter in XXXX with no response and then sent the second letter in XXXX of this year. As of today we still have not received a response from Home Depot. I would like this resolved. How can they be able to do this to people and then not even respond.
Product: Mortgage

Guild mortgage didnt pay my insurance in time and XXXX XXXX XXXX  canceled my policy. I spoke with XXXX XXXX  about the information missing so they could get paid and they reached out to Guild mortgage and was told that they had it covered and got it figured out. Well XXXX XXXX  cancelled my policy due to non payment. Now Im having to pay an XXXX provided by Guild mortgage which is 50 % more then what I was paying with lXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has furnished accounts on my credit report without my permission. I have contacted Equifax on several occasions and spoke with multiple people including supervisors. Still these accounts are on my credit report. Equifax says that it follows the laws under the FCRA but 15 USC 1681b # 2 says that they have to have my written instruction to furnish it on my report and they do not have my written instruction. Theyre basically violating my right to privacy under 15 USC 1681 a4. Ive even filed a complaint with the CFPB but somehow Equifax continues to break the law willingly and knowingly.
Product: Credit card or prepaid card

I was on a promotional period with Synchrony bank that ended in XX/XX/2021. In XXXX of 2021 I was offered an assistance program to extend the no interest for 60 months and have a set payment of {$90.00}. Synchrony has now added the interest to my account even though I am on the assistance plan extending the 0 % interest. They have refused to help with with resolving the issue even though they acknowledge I am on an assistance plan. They will waive the interest if I pay the promotional balance off today.
Product: Payday loan, title loan, or personal loan

Applied for XXXX via web in XXXX a representative contacted me via phone once app was received .he went over loan and terms .before accepting the loan in which I applied for XXXX I asked the representative several time that since I was planning to pay off in XXXX would my balance be XXXX which would be the remaining since I paid for 7 months starting in XXXX he stated yes no interest for a year and I would only pay back the amount left from what was borrowed. I noticed on my credit report it states my credit is XXXX and on the XXXX  website I owe almost XXXX with only {$14.00} out of the XXXX going to interest. I contacted office in XXXX requesting call be pulled to honor what I was told I was told a supervisor would call back but he not sure when. Several days later I received a call unfortunately I missed the call due to being at work when I called back I was told I had to put in a request and they would call back within 24-48 hours as of today and it has been almost two weeks I have not  received a phone call to resolve matter I wouldve looked into someone else for loan if I knew my information given to me was inaccurate
Product: Credit card

I was charged overdraft fees by Navy federal credit union during the years of : XXXX. When they knew my account couldnt cover said charges
Product: Debt collection

upon checking my credit report i realized there is a company trying to collect over XXXX dollars from me i dont know who this company is i have never signed any contract with them in person nor electronically with them nor any of there affiliates
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC XXXX XXXX report. Im complying with the letter of the law & what youre required to have to honor my 605B request XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax. XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

complaint sent your office mean time, with ftc complaint credit report cause us to be XXXX and money taken out our action 's your office failed to make they remove the old info, your office had proof of the action with letter enclosed again. now collections are now using new numbers s. XXXX XXXX XXXX XXXX office a compliant as well XXXX programs are being affected. by this reporting police reports from XXXX  and XXXX has been sent your office and the XXXX XXXX XXXX with XXXX request
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a closed account with XXXX through Equifax over 6 times. Every time their representatives put in their own description of my dispute. First to verify if it was my account, another to verify if the account was in a bankruptcy, and once again they sent another dispute checking late payments! So the company supposedly keeps responding- YES IT'S HER ACCOUNT, YES PAYMENTS WERE LATE, NO NOT IN BANKRUPTCY therefore the account stays in my credit report. What I have told them time and time again is that they are reporting fraudulent information causing me to be denied for a VA Mortgage Loan. I have contacted the company several times, the managers do not care and are disgustingly rude at XXXX. They reported I have refinanced or renewed this account when this is not true. I have never refinanced anything or renewed anything with XXXX! They are purposely doing this to ruin my credit. Equifax states they are simply getting the information from the company, so when I asked what proof or paperwork they have they say they have nothing. It is all electronic, they have NO PROOF. I have given them all the proof they need and they can see on my credit report how the status has changed throughout the years and every time I dispute the status is worst than the last time. Now I have to wait another 30-45 days for the company to respond? This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account TOYOTA MOTOR XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

TOYOTA MOTOR XXXX XXXXXXXX Open Date XX/XX/2013 Balance : {$8700.00}
Product: Debt collection

This company CREDIT COLLECTION SERV which I have NO CONTRACT nor have I received services from reported a collection Account against my SSN in the amount of {$290.00} with XXXX, XXXX, and XXXX XXXX reporting agencies. I requested verification of the debt and accounts however the business failed to provide adequate proof. Considering this business does not have a contract for me for goods they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX XXXX 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 1666b A Creditor May not treat a payment on an auto account. I have attached an pay for deletion letter. That has been paid in full, but not honored.
Product: Debt collection

The company sent me a letter via mail stating that they have attempted to contact me numerous times regarding an alleged debt and I am not responding and they are confused as to why. I do NOT have a written signed contract with them whatsoever. If there is a debt by me I was not notified as required by law that they purchased a debt and the details of the transfer of the debt example I REQUEST A CONTRACT WITH MY SIGNATURE STATING THAT I OWE THIS AGENCY THIS DEBT NOT A COPY OF OLD STATEMENTS AND PAYMENTS. 

15 USC 1692c. ( b ) 15 USC 1692c ( a ) ( 1 ) 15 USC 1692e 15 USC 1692f And most importantly 15 USC 1692g ( a ) ( 1-5 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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

I am a victim of identity theft and breach of information. Information from Capital One appears on my credit report, does not relate to any transactions that I made. It is the result of identity theft and breach of information.
Product: Student loan

My monthly bill is way to high for me to pay. I am still enrolled in XXXX  school and have no income aside from the stipend I receive from the university. I have explained this to AES, asked for forbearance/ deferment/ income-based repayment. They have denied my request to stop or lower my payments because my account held a past due balance. I missed three student loan payments on two student loan accounts on with AES, and my credit score dropped from XXXX to XXXX because it was recorded as being 6months delinquent! This is not fair because I go to school in one of the most expensive cities in the country, I have to pay rent and eat, and AES refuses to acknowledge that I am not employed or able to pay the loan back right now. They have taken punitive measures to damage my credit, and it 's not going to make me graduate, find a job, and repay them any sooner.
Product: Credit card or prepaid card

I disputed a charge of {$66.00} Reference XXXX for a travel insurance I never intended to purchase while booking flight on XXXX XXXX XXXX I called XXXX XXXX, they referred me to insurance company I called them immediately and they asked me to dispute with the bank. This is all happened within few minutes of me realizing the charge was made and 10 days before the first flight. American Express failed to perform their fiduciary responsibility and declined my dispute.
Product: Vehicle loan or lease

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on XXXX credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me of recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

Cashapp... had trouble receiving money owed... unable to speak with someone. There is a class action lawsuit that I should be a part of
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

This Person called my family, and people who are not related to me. Told them I wrote bad checks. Told people who are not related to me that they stole my identity and were being investigated. Told me if I did n't pay I would be sued and arrested. He was very disrespected.
Product: Bank account or service

A charge from XXXX XXXX was incorrectly billed to my account in the amount of {$160.00}. Several other charges came in the same day and TCF has their computer program work so that it processes charges from largest to smallest. This results in TCF being able to charge the most overdraft fees. This resulted in subsequent days items also creating overdrafts. See attachment.
Product: Credit reporting

TRANSUNION has violated the law and continues to ignore me and must be held responsible for unlawful behavior and unprofessionalism : 15 U.S. Code section 1681i : ( 2 ) Before the expiration of the 5-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute the address and in the manner established with the person. The notice small include all relevant information regarding the dispute that the agency has received from the consumer or reseller! 
-Transunion refuse 's to acknowledge their 3rd party source who is holding my credit report hostage. They have failed to notify the superior courts office that i am disputing this item and they have never placed a notification next to this public record labeling it as " in dispute '' and this has affected my score. 
They continue to deny me an investigation and have denied me any further ones, and that is NOT LAWFUL! I have no proof, no verification and no notices from the records office or transunion that I have disputed this invalid lien. 

Transunion is also violating the law section ( b ) in the same paragraph. Which states : The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ). 
-Transunion has not done this in any way shape or form and I have received absolutely no descriptions an procedures as to how and what actual evidence was used in the determination process. The records office has NO evidence of a request on this agencies behalf to verify ANY information under my social security number or even my name! This company is shutting me down like I am nothing to them! 



Notification of FCRA law violation regarding TRANSUNION. They have threatened me again. They have claimed that I will NOT be heard and I would like the CFPB to note that I will not cease to fight an invalid tax lien XXXX from my credit report. Transunion refuses to investigate anything nor do they acknowledge that this lien was deemed invalid and should be removed by law.
Product: Mortgage

I pay money into escrow for PennyMac to pay my homeowners insurance. PennyMac has failed to pay my homeowners insurance policy with XXXX on time which has caused my homeowners insurance to be dropped. Supposedly PennyMac sent a bulk check out on XX/XX/XXXX. XXXX  insurance has not received payment as of XX/XX/XXXX. I have paid {$200.00} in hopes to keep homeowners insurance policy active but it appears XXXX insurance may have canceled my homeowners policy due to non-payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on X/XX/17 via certified mail and telephone advising them that a I tried to contact a creditor XXXX XXXX via the address information that was listed on my credit report from the reporting agency. I mailed the listed account agency a certified letter and the letter came back as an undeliverable address. I then made copies of the letter in which I still have with the yellow undeliverable sticker on it and faxed and mailed to Equifax providing them this documentation. Equifax is allowing the agency to report a false undeliverable address as contact information on my report. In addition when calling XXXX on X/XX/17 to clear up the issue they can not identify the records because Equifax has allowed reporting of missing/partial/incomplete account number XXXX. Equifax sends out an automated response of " account verified '' but has yet to provide me with any documentation bearing my signature. It is my understanding that no entity of the state and federal laws of reporting has the authority to retain report transfer sell utilize or else wise outdated untrue inaccurate physically unverifiable fraudulent misreported and or any not compliant allegations. I have made numerous requests for them to remove this account and they have refused after being provided with documentation.