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

I am a natural person and a federally protected consumer. On XX/XX/2021, Transunion received my notarized affidavit disputing fraudulent and adverse items on my consumer report. The original notarized affidavit letter is enclosed. 
Transunion negligence has caused me harm, since it has affected my ability to obtain new credit. In pursuant to 15 U.S.Code 1681b, I did not give Transunion written consent to report the listed items on my consumer report. 

Under the Fair Credit Reporting Act 15 USC 1681i ( 5 ) ( A ), you had 30 days from receipt of this letter to respond to my request for reverification of the erroneous items. Since I have not received a reply from you within these 30 days, the information was either inaccurate or could not be reverified, thus according to provisions 15 USC section 1681i ( a ), the items must be deleted immediately. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX I am a natural person and I am pursuing my legal rights under 15 USC 1681n, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}. Who gave Transunion permission to furnish a consumer report with my personal private information? I did not give Transunion consent to furnish a consumer report with my personal private information. I am demanding that you produce a contract between I and Transunion showing that I granted you the permission to furnish this consumer report. If you have that information, have a senior executive send me a notarized affidavit stating that I granted permission to Transunion to furnish my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent to TransUnion credit bureau to get an account removed from credit report which is false. The incorrect item still remains on my credit report which should be removed. Also did not respond within 30 days.
Product: Money transfer, virtual currency, or money service

My Paypal account has a balance of approximately {$6.00}, username XXXX. I do not know the exact amount because I can't access my account. When I attempted to get the money out of my account on XX/XX/2022, I was unable to login because I am required to add a mobile phone number to the account. I do not have a mobile phone number to add. I called Paypal on XX/XX/2022, to get the money from the account and close it but they could not help. I want a check for the account balance sent to the address on file or transferred to the bank account on file and the account closed or I want to access my account online without adding a mobile phone number and then I will perform the previously stated actions myself.
Product: Mortgage

In XX/XX/XXXX my wife lost her job and we applied for a HAMP modification for our XXXX loan with Citi Mortgage. After a long and painful process, where documents were continually " lost '' by Citi, we were told to start making lower, " trial '' payments on our home loan. After successfully completing the trial payment series, we were denied a HAMP modification due to our income and/or assets. We had to repay the entire amount due resulting from the trial payments. 

We continued to communicate with Citi Mortgage on this matter for the next two years. We received denial after denial and suggestions that we should submit to foreclosure. Even though we were in much better financial shape, Citi finally agreed to modify our loan after another successful series of " trial '' payments in XX/XX/XXXX. The modification extended the term of the loan from 30 to 40 years and reset the interest rate to the then current market rate for mortgage loans. There was no forgiveness of principal. 

However, unlike with the HAMP application two years earlier, our credit report began to show " missed payments '' corresponding to the required " trial payment '' schedule. We are now completely recovered financially and our credit scores range from XXXX to XXXX. We would like to refinance our mortgage to a 15 year term and take advantage of still low current rates. But despite our high credit scores, those " missed payments '' still appear on the report. Based on the negative credit, lenders will not allow us to refinance. 

This whole mess started in XX/XX/XXXX. If we could get the credit hit moved back to XX/XX/XXXX, they would come off our credit report next year. As it is, it will be XX/XX/XXXX before we can refinance. We only did what Citi told us to do. We made payments in the amounts and on the time frame they required. I have contacted the credit bureaus and they refuse to help. 

Is there any way we can get our credit report to more accurately reflect what really happened with Citi Mortgage?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I mailed a letter requesting an investigation for inaccurate accounts listed on my credit report. It has been 4 months and I still haven't received any results of an investigation and these accounts are still showing on my credit report.
Product: Mortgage

My property has been in the Short Sale Process for over 2 years. They refused to accepted an offer that was submitted to them, did not counteroffer and closed the file. I filed a complaint with your department and they agreed to re-open the file. They have just informed me that the new offer we sent which was much higher then the previous one is too low and have closed the file and did not counteroffer us. After serious negotiations with the foreclosure dept. we were able to get my file re-opened and 15 days later they are attempting to close it again. My property is scheduled to be auction off on XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A- States I have the right to privacy 15 USC 1681 section 604A section 2 - States a consumer reporting agency can not furnish an account without my written instruction. 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. 

I HAVE SENT CERTIFIED MAIL 3 TIMES TO ALL 3 ( EQUIFAX, XXXX, XXXX ) NONE OF WHICH WERE RESPONDED TOO ON ANY OF THESE ACCOUNTS. ALSO ONE TIME I DID RECIEVE SOMETHING FROM XXXX SAYING THAT THE INFORMATION IS VALID. 

FIRST OF ALL THIS SHOULD OF BEEN TAKEN OFF MY CREDIT REPORT AFTER THE FIRST FAILED ATTEMPT TO RESPOND WITHIN 30 DAYS. 

SECOND I CHALLENGE THE VALIDITY ON ALL OF THESE ACCOUNTS, PROVE TO ME THE VALIDITY OR TAKE THIS OFF MY CREDIT ONCE AND FOR ALL OR I WILL BE CONTACTING A LAWYER AND TAKING ALL XXXX TO SMALL CLAIMS COURT, THIS IS INSANE AND NOT THE WAY YOU ALL CONDUCT BUSINESS. 


I DEMAND ALL OF THESE ACCOUNTS TAKEN OFF MY CREDIT, THIS IS MY LAST AND FINAL ATTEMPT BEFORE I PURSUE LEGAL ACTION!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm asking the removal of these bogus items from my credit report as a result of claimed identity theft and I want to let the credit bureaus know that I was a victim of identity theft. FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) requires CREDIT BUREAUS to REMOVE any items specified in Identity Theft. THE LIST OF ITEMS THAT I WANTED TO REMOVE IS HERE AGAIN! 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is in addition to my previous complaints. I have requested for one of my accounts to be closed because of identity theft. The account got compromised and I request for the credit bureaus to delete it from my credit report. The bank already closed it, I just need your help to remove it totally from my credit profile. I have attached the proof and letter that I received from KOHLS themselves regarding this. That account is fraud and was used by the thieves. Please delete this fraud account : KOHLS/CAPONE - XXXX - XX/XX/XXXX. Along with the remaining fraud inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXXXX/XX/XXXX. I have attached here my FTC reports, IDs, and proof of address.
Product: Debt collection

I am submitting this complaint directly, with no third party involved. I have attached letters to provide further details regarding the information being reported on my credit report. I have never had a contractual relationship with LVNV Funding, and I believe that XXXX XXXX XXXX XXXX, the original creditor, sold my account without proper notification. This constitutes a violation of FCRA Section 611 due to the inaccurate reporting on my credit report. I request that this account be deleted immediately due to the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just reviewed a new copy of my credit report and there are hard inquiries on my credit report that I do not recognize. Please remove these hard inquiries. 

XXXXXXXX XXXX XXXX ( Bank ) XXXXT ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX  ( Bank ) XXXX XXXX XXXX ( Finance ) XXXX ( Finance ) XXXXXXXX XXXX XXXXXXXX ( Bank XXXX XXXX ( Retailer ) XXXX ( Bank ) XXXXXXXX XXXX XXXX  ( Bank )
Product: Credit reporting or other personal consumer reports

The information on my credit report doesnt belongs to me I would like the information removed from credit report. I filled a report through XXXX XXXX CREDIT REPORT XXXX XXXX XXXX XXXX {$25.00} XX/XX/XXXX ( late payment ) XXXX XXXX XXXXXXXX {$320.00} XX/XX/XXXX EXPERIAN CREDIT REPORT XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX {$570.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$25.00} XX/XX/XXXX ( late payment ) XXXX CREDIT REPORT XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX ) XXXX {$570.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$25.00} XX/XX/XXXX ( late payment ) XXXX XXXX XXXXXXXX {$320.00} XX/XX/XXXX Top Inquiries Creditor Name Type of Business Date of inquiry Credit Bureaus XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX - XXXXXXXX XXXX Reporters XX/XX/XXXX Experian XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX, XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX Jewelers XX/XX/XXXX Experian XXXX, XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX  Miscellaneous and public record XX/XX/XXXX XXXXXXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX  Finance other than personal XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX XXXX  General Clothing Stores XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Banks XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX Banks and XXXX XXXX  XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts and all inquiries listed IMMEDIATELY.
Product: Credit reporting

The account has been paid in full but not removed from my credit report in Georgia.
Product: Mortgage

My husband and I purchased a home in Nevada. We went through a loan broker and were provided a loan by XXXX XXXX. Before our first payment is due, XX/XX/XXXX XXXX XXXX sold our loan to XXXX. I do not want a loan with XXXX. 

We have excellent credit and never missed a payment. Had I known they would have done this I would never obtain the loan through them. Our loan broker said they were a direct lender and retained their loans. We were lied to. The broker is XXXX XXXX out of XXXX. Do we have any recourse? I am very upset. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts
Product: Debt collection

I received a letter from XXXX XXXX XXXX threaten to sue me over an alleged debt and I don't have a contract with them and I have never did business with this company at all. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that they are reporting the account accurately? What is the name of the person in their company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally reporting alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following account must be deleted from my report. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX, Equifax and XXXX XXXX Correctly reporting individual and total credit limit and balance figures for revolving accounts. 

However, falsely reporting utilization ratios for totals as 100 % when well under 50 %, in turn causing false credit score reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Complaint is Against All the Companies Listed XXXX XXXX, XXXX, XXXX  and Experian are reporting Bankruptcy information on my credit reports, which has caused me high interest payments on loans and credit cards. It has also caused me to be denied on various applications and credit cards. 

I have sent XXXX, XXXX, XXXX  and Experian copies of information from the Bankruptcy Court that states they do not report to any credit reporting agencies. 

In addition, I requested each agency to stop reporting my information to everyone unless I consent by requesting a credit freeze. They all are reporting the information without my consent since 2019 and have not complied with the credit freeze or my option to Opt Out. 

I also sent documents concerning the class action law suit filed on the reporting agency for reporting Bankruptcy and each of these agencies refuse to change the disputes. 

This reporting is caused me to be denied a mortgage, and employment. My auto insurance cost has increased by doubled with this reporting. The interest rate on my auto loan has doubled and caused me to be denied for even refinancing my auto loan at a lower rate.
Product: Credit card

Consumer Financial Protection Bureau - Case # XXXX Macy 's account ending in XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX Balance : {$55.00} XXXX XXXX XXXX XXXX Balance : {$1400.00}
Product: Debt collection

Subject : Complaint Against Credit Collection Serv - Illegal Collection Practices Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue regarding the debt collector agency, Credit Collection Serv. I have experienced what I believe to be illegal collection practices and wish to file a complaint with your organization to seek justice and resolution. 

Credit Collection Serv initiated collection efforts against me for a debt that I firmly believe to be inaccurate and unsubstantiated. Despite my repeated attempts to request validation and proof of this debt, Credit Collection Serv has failed to provide any supporting documentation. Furthermore, they have continued their aggressive collection tactics, including harassment and intimidation, in clear violation of my rights as a consumer. 

I kindly request that the CFPB conduct a thorough investigation into the activities and practices of Credit Collection Serv, as these actions are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws. 

Specifically, I have experienced the following illegal collection practices by Credit Collection Serv : XXXX. Failure to provide validation of the debt : Despite my written requests for verification, Credit Collection Serv has consistently failed to provide any supporting documentation or proof of the alleged debt. 

XXXX. Harassment and intimidation : Credit Collection Serv 's agents have repeatedly engaged in harassing phone calls, using aggressive language, and making false threats of legal actions against me. These actions are explicitly prohibited under the FDCPA. 

XXXX. Inaccurate reporting to credit bureaus : Credit Collection Serv has irresponsibly reported the disputed debt to credit bureaus without conducting a proper investigation or validating the accuracy of the debt. This has caused significant damage to my creditworthiness and overall financial well-being. 

I urge the CFPB to take immediate action against Credit Collection Serv to put an end to these illegal collection practices and to protect other consumers who may be similarly affected. I request that appropriate penalties and sanctions be imposed to hold Credit Collection Serv accountable for their actions. 

Thank you for your attention to this matter. I trust that the CFPB will take swift action in investigating this complaint and ensuring that justice is served. I look forward to receiving updates on the progress made and the resolution of this issue.
Product: Credit reporting or other personal consumer reports

I have reached out to the following accounts below and talked to them about the issue with my account as reported by the EQUIFAX. They have advised me that they will remove the account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report these accounts are still reporting. I am not sure how the EQUIFAX came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report.