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

In accordance with the Fair Credit reporting act 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 XXXX XXXX .... 

Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

Before Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 

Type Auto Loan Terms XXXX Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XXXX XXXX. 

Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. 

Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 


After Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 

Type Auto Loan Terms 76 Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XX/XX/XXXX. 

Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. 

Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 

XXXX XXXXXXXX .... 

Updated The information you disputed has been updated. Please review your report for the details. 

XXXX XXXXXXXX .... 

Updated The information you disputed has been updated. Please review your report for the details. 

XXXX XXXX XXXX XXXX XXXX Pending If our reinvestigation has not resolved your dispute view your options
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. Despite the multiple previous written requests, the items listed below still remain on my credit report in violation of Federal Law. Transunion failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX XXXX, XXXX XXXX XXXX )
Product: Mortgage

XX/XX/XXXX XXXX XXXX  - we sold our home for which Freedom mortgage held lien and escrow XX/XX/XXXX  - we inquired via portal when we would receive disbursement of escrow funds XX/XX/XXXX XXXX we updated our mailing address on the portal XX/XX/ XXXX XXXX XXXX we received a message via portal that we would receive a check at the new address 14 days after account was paid in full XX/XX/ - we received notice at via US mail at our new mailing address that our mortgage had been paid in full and our account closed XX/XX/ - we received a message through the Freedom mortgage portal stating that any remaining escrow funds would be sent as a check 14 days after the paid in full date XX/XX/XXXX XXXXXXXX XXXX    - we contacted the loan originator ( XXXX XXXX, XXXX XXXX ) asking if could assist with recovering our escrow funds. 
XX/XX/XXXX XXXX XXXX  - we received an account statement via US mail that listed an escrow refund of {$5000.00}. We also received an escrow account disclosure statement stating that our new payment was {$0.00} XX/XX/ - we sent a message via portal asking when we would receive our escrow funds. 
XX/XX/XXXX XXXX XXXX  - we received a message via portal that additional research was required XX/XX/XXXX  - we received a message via portal that {$5000.00} was sent on XX/XX/. No such payment was received. 

We just want our escrow money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On around XXXX XXXX, XXXX, I submitted a copy of my drivers License and social security card along with a letter to the CRA and instructed them to update my personal information including address, phone number, and employer. I have repeatedly requested to have this information updated as I followed all of their procedures by sending in documents to verify my identity. As of XXXX XXXX, the credit report still shows inaccurate personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously filed a complaint with cfpb on XX/XX/XXXX and my complaint ID is XXXX. This complaint is against XXXX XXXX  and their reporting of 4 Fraudulent accounts being reported to the credit bureaus. I have provided all documentation I can provide to the best of my ability and after my complaint there was no resolution to the accounts being reported. 

I am a victim of Identity theft and I first contacted XXXX XXXX  regarding four accounts that were opened and utilized by the individual who stole my identity on XX/XX/XXXX ( this individual was a family member who resided with me for a period of time ). They replied to me and stated that even after I provided a notarized Identity theft affidavit that they see no basis of my claim and that the debt of all 4 accounts belongs to me. I have also contacted the credit bureaus regarding these accounts and both XXXX  and XXXX  have honored my claim but Equifax has not. I contacted XXXX XXXX  again XX/XX/XXXX and I have only received a decision regarding one of the accounts however they have not acknowledged the remaining 3 and all 4 accounts are still being reported by Equifax to date. I am also still receiving collection calls and letters regarding one of the accounts that was sold to XXXX XXXX XXXX and all three credit bureaus are currently reporting this account as a collections account. 

Please also keep in mind the 3 remaining accounts on Equifax are reporting charged off every single month for the last year which is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX XXXX # : XXXX and XXXX XXXX XXXX XXXX # : XXXX is lost/stolen, and all of the transactions on both accounts, are fraudulent and unauthorized, and dont belong to me.
Product: Debt collection

Inaccurate wrong and hurtful information being reported by Hunter Warfield to all of the 3 major credit bureaus. I do NOT have nor have I ever had a contract with this company. Nor have I gotten any form of communication from the company in regards to them reporting negative information on my credit report to the three credit bureaus. Which I find to be a violation of the FCRA laws. At this point no communication is warranted as damage has been done. I would like for them to VALIDATE with original signatures and contracts they have along with payments and amounts due pretaining to the alleged debt. If VALIDATION can not be proved, I demand that the negative reporting be removed from XXXX, XXXX, and XXXX immediately. if VALIDATION is found I have the right to request all findings sent to me within 15 days of the finding and demand 30 days to respond which is not likely as there are no contractual VALIDATIONS. Also this company has no business license with the state in which I live in.
Product: Debt collection

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the followin accounts as I don't believe the information to be accurate please delete from my credit report. 
Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX  acc # XXXX XXXX  XXXX acc # XXXX XXXX XXXX # XXXX Franklin collection acc # XXXX XXXX XXXX acc # XXXX According to the FCRA, accounts that have been disputed by the consumer must be notated as such. Your failure to investigate this account, and notate it as such, is a violation of thp Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this issue previously several times with the company ( Renasant  ) and the credit reporting agency ( XXXX ). 
Today on XX/XX/2021 I contacted the reporting agency ( XXXX ) about the issue and the agent was not knowledgeableor helpful in regards to my situation. The agent also ended the call while I was still trying to explain that the information is incorrect. 
I have duplicate mortgage accounts listed on my credit profile. Last year my mortgage loan was transferred from Renasant Bank to XXXX. My credit report is reflecting as if I have two open mortgage loans, when I really only have one mortgage. Both Renasant and XXXX are reporting under the same account number. I now handle my mortgage loan through XXXX ( XXXX XXXX XXXX & XXXX ). XXXX  should not still be reporting as open nor should it still be listed on my credit profile since XXXX is currently my loan institution.
Product: Credit card or prepaid card

I AM THE NATURAL PERSON AND CONSUMER AND THIS IS NOT A CREDIT REPAIR COMPANY. FIRST PROGRESS abruptly closed my account without my permission. According to 16 CFR 433.1 I the affiant has reason to believe and do so believe a purchase money loan, cash advance was given to FIRST PROGRESS as the creditor from the U.S. Treasury for a finance charge and the consumer credit was to be forwarded to the consumer or natural person, I the affiant, in this transaction for household, goods, and services in exchange for disclosed, limited and authorized use of the negotiable instrument, social security number or credit card and signature I have provided, which are all properties which belong to I, the affiant, so be it. Pursuant to 16 CFR 433.2 In connection with any sale or lease to a consumer, such as I, the affiant am aware, a contract must include the provision described in 16 CFR 433.2 ( a ) otherwise this contract would be known to be an unfair or deceptive act or form. In connection with this provision, I am invoking my right as the debtor to assert all claims and defenses against FIRST PROGRESS in connection with this transaction and or negotiable instrument and any other possible derivatives in order to recovery any amounts paid and its proceeds. I have claim to the interest and the proceeds of each trade and instrument in accordance with UCC 3-306 with the possessory right to both the instruments and the property. I'm also aware in accordance with 16 C.F.R. 433.3 FIRST PROGRESS is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as I, the affiant, may invoke, his rights as the debtor in this consumer credit contract against FIRST PROGRESS for the unfair and deceptive practices as no contract after the date of XX/XX/1977 is exempt from 16 C.F.R. 433.3. A Promissory note is a negotiable instrument. FIRST PROGRESS has committed aggravated Identity theft and is still benefiting from my intellectual property. FIRST PROGESS ALSO TOOK 2 DOWN PAYMENTS OF {$200.00} IN CONNECTION WITH THIS CONSUMER CREDIT TRANSACTION. I have 2 accounts with FIRST PROGRESS.
Product: Checking or savings account

XX/XX/XXXX - initiated a transfer from Chime Banking to my own XXXX XXXX account Will take 5 days per bank, XX/XX/XXXX - Still did not receive payment, called XXXX XXXX to verify, deposit was never made, called Chime to start dispute XX/XX/XXXX- I called Chime about escalation XXXX XXXX Received email saying my claim was denied. 

XXXX XXXX Requested documents stating why my claim was denied, Received an email with document, link did not work XXXX XXXX Called Chime to reopen claim and sent personal bank statements for proof showing no deposit was received. 
Rebuttle documentation received XX/XX/22 XXXX XXXX Another email received stating they received my documents XXXX XXXX Opened another ticket for dispute, supposed to send documents to my home which I have never received.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I got an updated copy of my credit report and I was shocked at how many accounts that were listed fraudulently. I have never conducted business with these companies and I believe that their information is completely inaccurate and false. I requested previous investigations for these accounts and I filed a XXXX Identity theft report and No one responded which I believe is an indication that they do not have any evidence to provide regarding these accounts. 
Here are all the accounts I want investigated. 
XXXX XXXX There are XXXX other accounts listed by this XXXX company XXXX XXXX XXXX XXXX There XXXX XXXX other accounts listed by this company XXXX XXXX XXXX are XXXX XXXX XXXX listed by this company XXXX XXXX  XXXX There is XXXX other account XXXX XXXX this XXXX XXXX I would like a copy of any evidenced used to XXXX these accounts listed by these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I complained over three times, midland ( MCM claims they closed out since they never got info on more detail back. MCM claim they sent out letter recently XX/XX/2020, never came. reported another issued but they are all lies. In mean time they fraudulent report about a {$440.00} debt from XXXX. they MCM was asked to show us proof of debt. the web site information show zero evidence of debt. its too easy to pretend letter was sent and not send letter. I told them to certify letter, to fax to email and they refuse to comply to my simple demand. Bottom line is I paid my debt. XXXX billed me for magazines I never ordered. XXXX was notified yet they billed and punished added interest all up to {$440.00} of extortion, which I thought was illegal. I thought it was being criminally bullied. Please help me survive this insane attack. 

Unrelated case this same con artist company tried the same thing with a debit of {$310.00} from XXXX XXXX. after years of false reporting they stopped reporting. they continued to still collect on debts in XXXX XXXX what debt? I want this issue dealt with. I want a separate apology for this unscrupulous business practice. Also a penalty fee of the same {$310.00} MCM was trying to steal from my family # CROOKS.
Product: Debt collection

Radius Global Solutions, LLC Failed to validate debt Also violated HIPAA
Product: Credit reporting

Transunion is continuing to use false reporting from XXXX after being shown documented proof of XXXX 's negligence. I submitted proof to Transunion in the form of copies of US Mail Certified delivery and direct complaint to XXXX for reporting false information to credit bureaus which Transunion admitted receiving XXXX/XXXX/XXXX. The later complaint to Transunion and earlier complain to XXXX specified false information is of a four-month period of delinquencies beginning XXXX XXXX and ending XXXX XXXX when in fact the student loan was in deferment and never late. Within the submission to Transunion, I certified that XXXX had not responded to me within the required 30 days after XXXX 's proof of receipt XXXX/XXXX/XXXX. Transunion then ignored this documentary evidence and used the repeated false electronic reporting from XXXX to " verify '' the false information in their Transunion XXXX/XXXX/XXXX report update. Transunion failed to remove false reporting upon receipt of actual documented evidence. In a XXXX XXXX/XXXX/XXXX phone call to Transunion on the matter, a Transunion supervisor confirmed that Transunion is using an electronic " update '' from XXXX as verification and ignored documentary evidence from me that they admitted receiving XXXX/XXXX/XXXX. This Transunion XXXX went on to say there was no requirement in the FCRA for the original creditor to respond to the debtor [ sic ], and that the electronic verification Transunion received on XXXX/XXXX/XXXX was all Transunion needed to " verify '' the false information. I believe this is a violation of the FCRA because the XXXX/XXXX/XXXX " update '' from Navient does not contain any documentary evidence that Transunion or XXXX has or can provide to me, and XXXX/XXXX/XXXX is almost a full month beyond the FCRA 30 day required time period for a response from the XXXX/XXXX/XXXX receipt of certified notice of dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 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. XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting

TransUnion refused to correct a deliquency that the reporting company verifies they have corrected. XXXX XXXX XXXX, XXXX, XXXX sent me a letter regarding my XXXX card on XXXX XXXX, 2016 indicating that they have cleared me of any delinquencey associated with Account ending in XXXX. I have received verification from XXXX that they have sent this to all XXXX credit reporting agencies.I received a letter from TransUnion dated XXXX/XXXX/2016 stating that they will not correct the 30 days late. I forwarded TransUnion this letter, which indicated they had removed the delinquency.