23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

I have used lexington law on multiple ocassions i was charged to start the service and i was charged monthly as well but i still dont see any changes to my credit i also refered my mom and my sister to them as well
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XX/XX/year> Experian, XXXX XXXX XXXX, XXXX, TX XXXX Subject : Demand for Immediate Account Removal Due to FCRA Violation To Whom It XXXX Concern, I am writing to formally demand the immediate removal of the following account from all credit reporting agencies due to your blatant violation of the Fair Credit Reporting Act ( FCRA ) : Account Number : XXXX **** Under FCRA XXXX XXXX ( a ) ( XXXX ), it is your legal obligation to notate an account as in dispute once a consumer challenges its accuracy. You have failed to fulfill this requirement, despite my previous dispute notification. This constitutes a serious violation of federal law and demonstrates your reckless disregard for my rights as a consumer. 

Your failure to properly update the dispute status of this account means you are reporting false and misleading information. According to FCRA 1681s-2, this violation provides me with automatic grounds for account removal.

I am demanding that you : 1. Immediately remove this account from all credit reporting agencies.

2. Provide written confirmation of the accounts deletion within 15 days.

Failure to Comply Will Result in Legal Action : If you do not comply with this demand, I will take the following action without further notice : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Pursue legal action under FCRA Sections 1681n and 1681o for willful or negligent noncompliance, which may include claims for statutory damages, punitive damages, and attorneys fees.

This is your final opportunity to correct your violation and avoid legal consequences. I expect your full cooperation and confirmation that the account has been removed from my credit report.

You have 15 days to comply with this demand.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report after being unable to access for an extended period. Upon reviewing the report, I discovered that fraudulent inquiries have been opened under my name without my knowledge or consent. It appears that my personal information has been misused, leading to these fraudulent activities. I suspect that my personal information was compromised, as I have not authorized these account, inquiries or transaction and I have been a victim of identity theft.Dispute and remove following inquiries XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, 2024 XXXX XX/XX/XXXX XXXX XX/XX/scrub>, 2024 XXXXXX/XX/XXXX XX/XX/scrub> 2024 XXXX XXXX XXXX XXXX XXXX, 2024
Product: Credit reporting or other personal consumer reports

Account Number XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Amount Delinquent {$1800.00} Consumer Statement Canceled by credit grantor Creditor Name XXXX XXXX Account Number XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX TX, XXXX Amount Delinquent {$1700.00} Consumer Statement Canceled by credit grantor Creditor Name XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXL Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against ACCOUNT RESOLUTION SERVICES. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting or other personal consumer reports

I do not consent to XXXX verification and want an actual living human to read this complaint. I will have my invoice for damages and federal consumer violations attached below. Also, a marked-up consumer report showing the XXXX & XXXX violations before removal. I have already attempted to invoice for the damages and federal violations but while being ignored by TransUnion I noticed more violation from the reporting and I have up to 2years to complain about all the federal violations from the XXXX XXXX XXXX report, so I have an updated invoice. TransUnion has removed XXXX & XXXX off my consumer report after I complained about being violated which is proof that I was being violated. Under 15 USC 1681n - Civil liability, TransUnion has not yet compensated me for the damages & federal violations nor has responded to my invoice. I will have my invoice for the XXXX XXXX XXXX XXXX violations attached below and also a marked-up consumer reporting showing the violations.
Product: Credit reporting or other personal consumer reports

incorrect information on my credit report 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX AZ XXXX, while my credit report shows an outdated address of XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXXXXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX, AZ XXXX I request that my current address be updated accordingly. 

3.3. Incorrect Employer Information : my current employer XXXX XXXX  but in my credit report shows as XXXX XXXX XXXX XXXX  and XXXX XXXX. I request that my current employer be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my social security. 

I request that XXXX, TransUnion and XXXX investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 

Contact Information : Should you require any further information or documentation, please do not hesitate to contact me at XXXX or via email at XXXX Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an installment collection account at, XXXX XXXX XXXX ( XXXX XXXX ) on XXXX XXXX, 2021. 
These accounts have resulted in several fraudulent hard inquiries and hard collections appearing on my consumer FICO credit report. I've attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not open, made, or initiated by me. All the accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
One that I am not aware of what it turns is. I think it is medical. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. The account is from I C System dated XXXX XXXX, 2024 for the amount of {$120.00}.
Product: Credit card

My wallet was stolen in my personal information was inside they maxed out credit cards I tried calling to see if I could pay XXXX but they want the max balance and I dont have a XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item ( XXXX ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You 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, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24.00}, XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance : {$360.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$890.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I am a living human with all the rights afforded to me by the federal legislative acts set forth to protect the consumer 's. This complaint is NOT a duplicate and is being writing by XXXX XXXX XXXX using his own mind without the help of any outside sources. 

THIS COMPLAINT IS BEING LODGED AGAINST TRANSUNION ON THE GROUNDS THAT 1.I AM UNABLE TO VIEW MY CREDIT REPORT 2 THE ACCOUNTS THAT SHIW ARE NOT ALL THERE 3.I AM PAYING TRANSUNION FOR A SUBSCRIPTION THAT I CAN NOT VIABLY USE BECAUSE OF A MISTAKE MADE ON THEIR PART I SUBSCRIBE TO THE TRANSUNION CREDIT MONITORING SERVICE WHERE YOU ARE ABLE TO SEE YOUR TRANSUNION CREDIT REPORT AND ALL OF THE ACCOUNRW YOU HAVE THAT REPORT TO TRANSUNION ALONG WITH THE ACCOUNT STATTUSES. 

as of roughly XXXX weeks ago when I log on and enter my credentials to log on, it logs on as it should but when you go to Acconnts aor report, it shows my report as having XXXX accounts XXXX late XXXX XXXX No charge off or bankruptcy XXXX XXXX XXXX closed accounts I HAVE CALLED TRANSUNION ON SEVERAL OCCASIONS DAY XXXX THEY HUNG UP ON ME 3 TIMES SO I GAVE UP DAY XXXX I CALLED REACHES A CUSTOMER SUPPORT AGENT WHO DAID THEY WERE GOING TO TRANSFER ME AND ALL IT DID WAS RECYCLE ME TO THE MENUE TO VERIFY MY IDENTITY DAY XXXX TALKED TO A CSR ATTEMPTED TO TRANSFER AFTER SEEING MY CREDIT REPORT WAS INCORRECT BECAUSE THEY SAID THEY XOULD SEE MORE THAN 20 ACCOUNTS, UPON TRYING TO TRANSFER WAS HUNG UP ON, I CALLED BACK 5 ADDITIONAL TIMES THAT DAY ONLY TO BE HUNG UP ON XXXX ADDITIONAL TIMES I WISH TO BE COMPENSATED FOR THE MONEY SPENT ON A SERVICE THAT I CAN NOT USE, TRANSUNION CHARGES YOU FOR EVERYTHING INCLUDING TO SEEING YOUR OWN SCORE SO I WISH TO BE COMPENSATED FOR THAT AS WELL AS MY INABILITY TO APPLY AND BE APPROVED FOR VARIOUS FORMS OF CREDIT BASED ON THE FACT THAT THEY HAVE MY CREDIT REPORT SHOWING THAT I HAVE TO CREDIT HISTOET THEREFORE SHOWING THAT I AM NOT AS CREDIT WORTHY, THE IN ABILITY TO APPLY FOR CERTAIN FORMS OF CREDIT HAS COST ME CLOSE TO {$1000.00} DOLLARS IN THE LAST XXXX WEEKS BEING THAT I JUSGT BOUGHT A HOUSE BOUGHT I HAVE HAD TO PAY A DEPOSIT ON EVERY UTILIty wich totals {$890.00} I either to be compensated for their mistake and would like to have my credit report fixed immediately
Product: Mortgage

We started a short sale process with Dovenmuehle Mortgage of XXXX XXXX Illinois in XXXX of this year. They have delayed the completion of this process over the last 3 months. Short sale was necessary because they had refinanced my mother 's property for more than it was worth at the time and left her with more debt on the property than a normal sale would pay off. She had to move out of her house due to declining health and had to resort to short sale to keep from going further in debt with a normal sale. Attached are the requests for information which have all been supplied by our agent with no results.XXXX XXXX, 2015 Appraisal was conducted XXXX XXXX - follow up if Report was back with them XXXX XXXX - Appraisal report still not with the lender XXXX XXXX - Appraisal report still not with the lender XXXX XXXX - A representative said that the file was submitted for review to FHA on XXXX XXXX XXXX XXXX - still no decision, file with FHA XXXX XXXX - still no decision, file with FHA XXXX XXXX - Still no response and the buyer is already anxious to have the closing
Product: Money transfers

On XXXX XXXX we did a wire transfer to a beneficiary we 've known for a long time, using the wire transfer services from Bank of America. This was not the first time we wired the same company. We have for many times sent money from the SAME ACCOUNT and TO THE SAME ADDRESSEE. And at all times except this XXXX our supplier got the money with no major issues. This time the money was NEVER received and Bank of America says that there is nothing they can do if the other part did not get the money. They suggest me to contact the intermediary bank! HOw come? Is with Bank of America I deal with! This is at Bank of America I deposit our money and " trust ''. How come they CAN NOT BE HELD RESPONSIBLE for a wire transfer service if they charge to do it??? 

This is the information on the XXXX : XXXX XXXX : XXXX XXXX, XXXXAccount Manager XXXX XXXX XXXX XXXX Number for XXXX XXXX Number I received XXXX from Customer Service @ Bank of America XXXX XXXX XXXX XXXX XXXX - Ext XXXX email is XXXXXXXXXXXX and my ph number is XXXX
Product: Mortgage

Our mortgage if with XXXX. The servicer is XXXX. loan services. Our mortgage is in default but we have taken every step to rectify this mortgage. We no longer have any car payments, credit card balances or tuition payments. We only have our mortgage which we are trying to modify with SPS. They have to date given us no options even though our monthly gross income is over XXXX. Per the suit filed by the XXXX Treasury XXXX was to have programs available for homeowners such as us. They have never made the XXXX attempt to talk to us about our situation. 
We are asking for any assistance from you that would help us stay in our home. 

Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX 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! 


Update the late payments from my consumer reports
Product: Checking or savings account

I receive direct deposit every Friday from workers compensation and I overdraft my account before my direct deposit was deposited into my account they allowed other online payments thats was not authorized to overdraft my card money and charged me extra overdraft fee when the overdraft was less than {$5.00} in the agree that I signed for overdraft it stated that anything {$5.00} or under will not be charged an overdraft fee I was still charged I asked the representative from citizen bank about the agreement they never resolved nor returned my fee money back to my account this is happening everytime then when I personally try to overdraft my account its denies my transactions but allows other fraudulent transactions to overdraft my card I have reported my cards multiple time because I am a victim of fraud they have denied numerous fraudulent claims without a valid information Im sick of them
Product: Mortgage

CITI MORTGAGE HAS SEND ME A LETTER STATED THAT THE MORTGAGE HAS BEEN REPORTED ACCURATELY. IT SEEMD AS OD XXXX2017 > NO MORTGAGE HAS BEEN REPORTED AT ALL. SO IT SEEMS WE ARE FACING THE SAME ISSUE WE HAVE SINCE DAY 1. 2+ YEARS OF NO MORTGAGE HISTORY.
CITI > ACCT XXXX > ADDRESS > XXXX XXXX XXXX XXXX > XXXX > TX > XXXX
Product: Credit reporting or other personal consumer reports

I was applying for an apartment and there was an issue with pull my report for Equifax. After calling multiple times they just tried to tell me I have no exsisting credit and that I would need to submit my documentation to prove I am who I say I am which I did, I follow up a month later and they do not have any of my information on file still. After speaking to my creditors XXXXXXXX XXXX was able to verify that Equifax had deleted my information due to an error that may have acured. I kept asking Equifax why is that all other Credit Bureaus are able to pull my information and yet you guys are not but they were not able/willing to do the work to figure this out. I then advised Equifax of the new information given by XXXX and contact the consumer affairs department I submitted my documentions and was told this would be resolved. This began in XXXX XXXX and I am now following up in XXXX XXXX  they advised me that the agent had submitted my information wrong and that I would have to wait another 30 days to get this resolved I asked how can I know this will be resolved I was not given any further description besides a claim number. I have spent over XXXX XXXX in application fees for apartments. Im not able to move due to this issue which is causes me extreme stress and nothing seems to be done about this. Where did my information go why did no one call me why cant I speak to a supervisor, and why can I make no complaints about the the service at Equifax
Product: Money transfer, virtual currency, or money service

I received a direct deposit of my paycheck into my PayPal account. PayPal closed and froze access to my funds even after I sent in documentation and proof of my identity. PayPal is still holding this money and it has been over a year. My email on file with them is XXXX. please help me