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

Dear Sir/Madam, I am writing to dispute the accuracy of the information contained in my credit report from TransUnion LLC . I have reviewed my credit report and found that there are violations of the following federal laws : 1. 15 U.S. CODE 1666B TIMING OF PAYMENTS : My credit report indicates that I have made late payments on my accounts. However, I have always made my payments on time. The information on my credit report is inaccurate and is damaging my

credit score. 2. 15 U.S. CODE 1666 CORRECTION OF BILLING ERRORS : I have identified several errors on my credit report, including incorrect account balances and missed payments. I have attempted to dispute these errors with the creditor, but they have not corrected them. This is a clear violation of the law. 3. 15 U.S. CODE 1681B PERMISSIBLE PURPOSES OF CONSUMER REPORTS : My credit report has been accessed by companies without a permissible purpose. This is a violation of my privacy rights and the law.

I am requesting that TransUnion LLC promptly investigate these violations and make the necessary corrections to my credit report. I would like to request a copy of my updated credit report and a written confirmation that the corrections have been made. Additionally, I request that TransUnion LLC provide me with the names and addresses of all parties who have received my credit report without a permissible purpose. Thank you for your prompt attention to this matter. 



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

I do NOT have a signed contract nor any contract with XXXX XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX I have NEVER done business with any of these companies. I am NOT LIABLE for collection from this debt from any of the " companies ''. I am NOT RESPONSIBLE for these debts.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of an invalid XXXX account from my credit report and from XXXX XXXX  records. I opened a XXXX account between XXXX XXXX XXXX, when I was a minor, born on XX/XX/year>. As I was underage at the time, the contract for this account should be considered invalid. 

I have contacted both XXXX and Experian to dispute this issue, but they have not taken action to resolve it. Meanwhile, XXXX and XXXX have already removed this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is Outrageous!! I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and UNVERIFIED. These accounts have violated my rights! ( XXXX XXXX XXXX  ) ACCOUNT # XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 18 U.S. Code 8 - Obligation or other security of the United States defined. I owe no debt 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have the right to privacy I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. Please provide original contract with my signature or I expect these accounts to be deleted within 30 days!!!

FIRST OFF ..THIS COMPANY IS FRAUD!!! THEY CANT VALIDATE THE DEBT BECAUSE ITS NOT MINE!! 

XXXX XXXX XXXX is not XXXX XXXX XXXX XXXX XXXX XXXX accredited. It has a XXXX  rating of XXXX and a star rating of XXXX from XXXX recnt customer reviews. Their XXXX rating is XXXX from XXXX customer reviews. The complaints from these platforms include : Dealing with unprofessional representatives Failure to validate debt after sending a Debt Validation Letter Wrong debt entry to credit report Being contacted for a debt that has been previously paid
Product: Mortgage

I have a FHA Loan for a new built home that was not completed. The Realtor showed me this home and it was not finished. I have been having problems with this matter since the signing of the deed on XX/XX/2021. I have notified the FHA, HUD, XXXX, the State Attorney General Office XXXX XXXX, Senator XXXX XXXX, my Councilman, the City of XXXX, the Builder, and the Loan Officer and XXXX XXXX HUD Field Director I also went to several Council Meetings, and I made the XXXX XXXX as well regarding this situation. I was taken advantage of and no one will take accountability for what has during the process. I received a letter 3 years on XXXX XXXX later stating that there was in fact a warranty and nothing was ever executed. I have been fighting since XXXX XXXX when all of this chaos begin. This FHA Loan was used to purchased a new built home that was not completed at all. The FHA Loan is in fact insured and no one is doing anything about this situation at hand. I have proof of everything as well as pictures before and after.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some credit inquiries that I do not recognize. They were informed only on XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Synchrony financial  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX Synchrony financial  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Inaccurate Credit Report Information Dear Sir or Madam, I am writing to formally dispute an item on my credit report that is not mine. I recently reviewed my credit report and noticed an inaccurate entry. This item is causing undue harm to my credit score, and I am requesting that it be investigated and removed promptly. 
The details of the disputed item are as follows : Creditor Name : Midland credit management Disputed Amount : {$620.00} This account does not belong to me, and I have no knowledge of it. This account was opened up when I did not have a California ID when I was still in high school at the time, as well the address shown when the account was originally opened I have never lived at. I was a victim of identity theft. 
Please investigate this matter and remove the inaccurate item from my credit report. Under the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to dispute incorrect information on my credit report and that the matter must be resolved within 30 days. 
If you require any additional information, please do not hesitate to contact me at XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have this gift card looked up on line to see balance, seen there was a charge for {$220.00}. Called XXXX  told them about this, they told me it would take 45 - 90 days for investigation, that was on XX/XX/2023. Now in XXXX still investigating this. Went back to check the amount of balance I still had which was {$220.00}, they cleared off everything, I have no information listed. I called a couple of days ago, still investigating. The charge that was made was to a fitness gym in Tenn. I am a XXXX old man living in Ohio, sure as heck not going to work out, and surly not driving to Tenn. to do it. The case # for the dispute is XXXX.
Product: Checking or savings account

On XX/XX/2021 I prepaid a rental car reservation with XXXX XXXX rental for {$600.00}. This rental was to be picked up at XXXX, and it was for 7 days. I had responded to the the freeze crisis in Texas with XXXX Disaster Response Team. There was XXXX agents at the XXXX counter due to COVID and I was directed to the XXXX area to select my rental. After having the truck 5 days I submitted via a call to the XXXX Customer service number an extension as there was no end in sight for the the amount of work ahead of us. I was told by the agent that my rental could be extended, and I would be receiving an email and just needed to reply to it. I have rented over 35+ cars from XXXXt in the past 24 months even in the pandemic for business so I took her for her word. Never receiving an email, and not following up was my first mistake. I was then contacted on my personal cell phone by a repo man that was contracted by XXXX to HUNT ME DOWN! I explained sir, Im not going anywhere, I will get ahold of XXXX now and resolve. A call was made immediately to XXXX a supervisor was requested and I was denied and hung up on 3 separate times. At this time I sent an email requesting a manager, at which time I received a reply back 6 days later stating due to the issue with my account NO MANAGER OR SUPERVISOR WILL BE ASSISTING ME. The rental was taken back and subsequently many days later ( a week plus ) XX/XX/2021 XXXX charged my personal debit card {$4400.00}! I was on the floor, I tried again to speak with budget, was denied and was forced to file a dispute with BofA, who as of XX/XX/2021 has done zero to assist me and closed the dispute 4 separate times stating XXXX  can charge what ever they want for late rentals, and I CAN DO NOTHING about it. My card was never given to XXXX, I never authorized the transaction, I never agreed to $ XXXX/a day charge for my rental, I was never informed I was going to be charged this amount and the subsequent false fees that have been added and now blacklisted from XXXX XXXX after having spent over {$20000.00} with them the past 24 months. This has put my own work on the line, my credit, my livelihood etc. I am seeking council for the steep fees/lies/overcharging and out right disrespect from XXXX! Please help recoup my XXXX {$4400.00}. This is consumer fraud in the highest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inquiries on my credit report to XXXX, XXXX  and trans union in regards to unauthorized inquiries. I have been contacting each of the companies since XX/XX/2019 to no resolve. I received letters staying that my request are frivolous. 
This is causing me and my family great hardship in the current crisis. I am a XXXX veteran trying to use my VA benefits to obtain a mortgage. With all the inquiries on my reports, makes it impossible to get an approval with a great rate and less money towards upfront fees.
Product: Mortgage

I have a mortgage with The Money Source. My escrow balance went up dramatically. I was told that they made a mistake in figuring my taxes, however, they refuse to adjust my payment to the correct level. I believe they are misapropriating these funds
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I made a transfer in American dollars from my account at XXXX Merryll Lynch to my account in XXXX. However, this transfer was not made and the money was not deposited in my account in XXXX. I was instructed after 20 days to resend the money. There was a charge of USDXXXX plus a fee of USDXXXX which I do not agree with. The responsibility for the error was not mine. The transfer was redone, but I was still unable to receive the money in XXXX. I have been waiting for 60 days to solve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX  was dated on my credit report that I am not aware of. I did not give authorize and I did not give permission to anybody to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I sent notification of identity theft on my credit report to experian, XXXX and XXXX. I included all accounts that were fraudulent as well as supporting documentation. Police report and my drivers license. I filed a complaint on identitytheft.gov and forwarded the information to the bureaus and the companies reporting.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to the inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account : XXXX XXXX XXXXXXXX and XXXX  XXXX. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received notification of an adverse credit reporting from XXXX XXXX. In XX/XX/XXXX, I contacted XXXX and learned that I had a student loan through XXXX XXXX in the arears of 120 days. I contacted to XXXX XXXX to find out what I thought was a cosign on a loan was actually a loan in my name. I immediately contacted XXXX XXXX and learned that they had the incorrect email for contact. I was told by their customer service representative at that time that XXXX XXXX does not mail anything out, that all contact is made through email. I immediately remedied the past due amount. I filed a dispute with XXXX XXXX because I had never been contacted. I also filed disputes with Experian, XXXX and XXXX because of the impact this had on my credit rating which had always been outstanding. I feel the adverse reporting on my credit report was unfair since I had never been contacted. None of the credit reporting companies reversed the adverse reporting. I made a two timely monthly payments, then on XX/XX/XXXX, I paid the loan in full. I contacted XXXX XXXX again on XX/XX/XXXX to request the adverse credit reporting be removed from my credit report. I was told that XXXX XXXX sent 2 letters, and made 2 phone calls to advise me of my late payment status. I never received either of the letters or the phone calls. I have always had an outstanding credit rating. XXXX XXXX is unwilling to change their credit reporting because their records show that letters were sent and phone calls made. Neither of which were ever received by me. I have always had outstanding credit. I pay all of my bills timely. I immediately upon learning of the past due loan, remedied the past due amount, kept current and paid the loan off in it's entirety. XXXX XXXX is unwilling to reverse the adverse credit action because according to their records, they did attempt to notify me. XXXX, XXXX and Experian will not reverse the adverse credit reporting because XXXX XXXX claims it is valid reporting. I feel this is very unjust. I was never contacted by XXXX XXXX. It was I who made contact with XXXX XXXX and made remedy. I want my credit rating restored.
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to XXXX, Experian and XXXX regarding the following accounts numbers : XXXX / XXXX / XXXX / XXXX. The dates of these disputes are as follows : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite all of these letters sent to these three bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX concerning their failure to validate and verify an account listed on my credit report. This issue pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). The details of the account in question are as follows : Account Name : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and dissatisfaction with the persistent challenges I have encountered in attempting to remove a charge-off account from my credit report. Despite multiple concerted efforts, the charge-off entry continues to negatively impact my credit standing, hindering my financial opportunities and causing significant distress. 

I initially became aware of the charge-off account. Since then, I have diligently followed the established dispute resolution procedures in an attempt to rectify this matter. 

This prolonged and unresolved situation not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but also has severe consequences on my creditworthiness. I am hereby formally requesting a thorough and immediate investigation into the charge-off account in question. 

A comprehensive review of the charge-off account on my credit report. 
Prompt removal of the inaccurate charge-off information to restore the accuracy of my credit file. 
Verification of the corrective actions taken and an updated credit report reflecting the accurate and corrected information.

I understand my rights under the FCRA and the importance of addressing and rectifying inaccuracies promptly. Failure to resolve this matter in a timely manner may compel me to explore legal remedies to protect my rights. 

Enclosed with this letter, you will find copies of supporting documents. 

I kindly request your immediate attention to this matter and request written confirmation once the charge-off account has been successfully removed from my credit report. I am asking for your assistance to remove this charge off in my credit file : XXXX XXXX XXXX XXXX Balance : {$3800.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Debt collection

On XX/XX/year> I was notified via email from XXXX that they detected a Major Derogatory Account from PHOENIX FINANCIAL SERV. I have no knowledge of who this company is or any information about the alleged debt because this is not my debt. I have sent out a debt validation letter certified mail to XXXX to verify this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX responded and XXXX. requested my feedback to my complaint number : XXXX, feedback was requested today XXXX XXXX XXXX, that I should contact the company, and that a a letter was mailed informing me that hard inquiries remain 2 years on the report, BUT WITHOUT ANY MENTION TO THE FACT MY COMPLAINT WITH THE NUMBER ABOVE CLEARLY SHOWS I ALREADY CONTACTED THE COMPANY ISLAND FINANCE ABOUT THIS UNAUTHORIZED HARD INQUIRY, AND THEY ALREADY RESPONDED WITH THE LETTER INCLUDED HERE AS ATTACHMENT, THAT THEY ASKED XXXX XXXX FORMALLY TO REMOVE THIS HARD INQUIRY ON XX/XX/2022. THIS LETTER WAS SIGNED BY THEIR ISLAND FINANCE ATTORNEY XXXX XXXX XXXX, BUT XXXX XXXX DOES NOT EVEN MENTION THAT LETTER ON THEIR RESPONSE OF XX/XX/2022, MORE THAN 30 DAYS AFTER THE COMPANY MADE THE FORMAL REQUEST TO XXXX XXXX TO REMOVE THE HARD INQUIRY? THIS IS WHY I HAD TO FILE THIS SECOND COMPLAINT, BECAUSE IF THIS FORMAL REQUEST WAS MADE BY ISLAND FINANCE, MORE THAN 30 DAYS AGO IS MORE THAN ENOUGH TIME FOR XXXX XXXX TO RECOGNIZE HERE IN THIS RESPONSE ISLAND FINANCE FORMALLY REQUESTED THE REMOVAL OF THE HARD INQUIRY AND TO HAVE IT REMOVED, BUT THAT IS NOT HAPPENING.
Product: Student loan

I called Mohela on XX/XX/XXXX after XXXX hours of wait time I was able to reach an agent. At that time my request to the agent for information regarding an administrative forbearance caused her to put me on hold resulting me going back to the queue with a quoted XXXX hour wait time. I did not have that time to wait. 
I called Mohela on XX/XX/XXXX at XXXX EST, I waited on hold for XXXX hours, quoted a XXXX hour wait time, tried the call back request. Input my phone number, never received a call back. Called again at noon XXXX quoted a XXXX hour wait time, was on hold for XXXX hours, spoke to an agent who said I was unable to get an admin forbearance but could not tell me why. 
Called Mohela again on XX/XX/XXXX at XXXX PST, was on hold for XXXX hours ( quoted XXXX hr XXXX min ) to speak to an agent who could not answer my forbearance question and transferred me to " advanced '' agent. Quoted XXXX hour XXXX minute wait time, waited XXXX hours on hold. Finally go an agent and mid-sentence was transferred to a survey to rate XXXX when trying to rate XXXX, it said " this is not a valid answer. '' Trying to submit a name change and upload a paper IDR request, the website does not work to do this. It either says the file is too big ( it's not too big, it's less than XXXX like they required ), the format is not an accepted format ( it is an accepted format, it's XXXX ), and then I am directed to an error page where it says " Sorry, try again later. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting that there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I disputed these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my credit reports from XXXX, Experian and XXXX, I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! 
With that said, I refute their allegations and challenge them to provide proof that they have the right to report this incomplete negative information about me. Documents that they have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, they must remove them from my report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, the credit bureaus must follow the Metro 2 compliance standards. Also as stated in the XXXX  Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports. With that said! I found some mistakes and inaccuracies in their reports and I have invoked my rights to dispute/challenge these inaccurate and non-compliant items. If Experian, XXXX and XXXX continue to report claims that are not perfect, it shows that they do not care about my rights as a consumer. I don't think it's fair for them to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting. The following claims about me were not reported correctly and do not meet federal requirements.