23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Recently, I contacted your firm with a formal consumer complaint challenging reported claim ( XXXX ) under the FCRA 611 ( a ) ( 7 ).

Included as well in addition of that check for compliant reporting, I sent a formal written validation demand to the Creditor for the Inquiry that you are reporting.

I received back a denial of process and an assertion that the records of the inquiry ( ies ) reported were in fact UNAVAILABLE, or so they claimed! 

No matter if you or a third party has collected this information, you must have an adequate record to legally substantiate the claim ( XXXX ). 

If not, it ( they ) is/are UNVERIFIEABLE, invalid, or not factually certified compliantly reported ( even to the mandatory XXXX XXXX  format standards ) or ANY OTHER DEFICIENCY OF FACTUAL REPORTING and or process of reporting, then said allegations are unfit and therefore CAN NOT be LEGALLY reported. 

Tort law is quite clear in this matter! You have NO MORE THAN XXXX days to DELETE the ITEM and provide me with written verification of that DELETION for my records. 

If you choose not to, I will have no choice but commence the unpleasantness of a Section XXXX ( Notice of Error ) under Regulation X of the CFPB regulatory reform guidelines for Credit Reporting Agencies. As for the erroneous inquiries you are reporting, each of which REQUIRES ERADICATION from reporting IMMEDIATELY and PERMANENTLY.
Product: Credit reporting or other personal consumer reports

XXXX, Experian and XXXX Fail to provide notice of dispute sentence on my credit report which is a violation of my rights as a consumer. According to FDCPA Section 807 ( 8 ) A person have 30 days to update consumer report with a notice of dispute sentence on credit report and that was not done on a lot of my accounts which I would attach proof with to this complaint I disputed with The CFPB on multiple occasions. Some Bureaus was giving more than 30 days still no update so NO investigation was done. This a violation of my right delete these account immediately From XX/XX/XXXX to XX/XX/XXXX and even before that NO NOTICE OF DISPUTE so no investigation was done to my credit delete immediately for this violation. 

FDCPA Section 807 ( 8 ) 807. 
False or misleading representations [ 15 USC 1962e ) ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2| ( a ) ( 3 ) Duty to provide notice of dispute. If the complete-ness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
Product: Debt collection

ARS is reporting {$1000.00} in collections to my credit report. I disputed the account because I have health insurance. They verified the XXXX to the credit bureau. When I sent them a letter asking for the medical registration sheet for that balance since I always provide my insurance to my doctors. AS replied that they verified the account. However, they did not send me anything related to what I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in response to the information I submitted to your company regarding my debt bondage situation. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed were self-attestation notarized, a picture ID, a bill, and a letter from an advocacy group helping me due to debt bondage, which falls under trafficking according to Trafficking-Debt Bondage 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. 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.

Which I have provided both all of my documentation as well as an attestation validated by a court appointed representative hence the form was read and notarized. Victim determination according to 1022.142 ( b ) ( 6 ) A self-attestation by a consumer ( myself ) who Identifies as a victim of debt bondage which is included in the trafficking CFPB -FCRA FINAL FACT. I have been in therapy since before the final ruling effective date XX/XX/2022, and I have self- attested as well as provided documentation showing I am in group sessions with an advocacy group and my attestation was signed by a State appointed rep from the courts with time stamp and dates. I have provided all appropriate documentation and Im in compliance under the Final Rule which established me as a victim of debt bondage which falls under trafficking. Once again I will Please ask you to block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Very RESPECTFULLY, PLEASE DELETE AND BLOCK the requested information on the previous communication.

What you need to submit To block trafficking-related information from your credit report, you need to submit : ( 1 ) Proof of identityI sent my CLEAR copy of my drivers license, ( 2 ) Trafficking victim determination I provided this notarized statement from a court appointed notary- You also may provide a self-attestation, provided that it is signed by a representative from a governmental entity- The Advocacy group also is authorized by a government entity, court, authorized NGO or human trafficking task force.

( 3 ) Identification of adverse information I provided the adverse Items that needed to be deleted and blocked I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of this information from my credit report.

Thank you for your understanding and cooperation. 
I have done all that is required and they still have not responded and its been a month.. They said staff is not trained and they need to submit to the companies for investigation.
Product: Debt collection

I paid the loan off in full on XX/XX/2016. In XXXX I received a letter saying I owed still. The company started calling 5 + times a day. I sent in my receipts 3 times, I spoke to a supervisor who said they received the receipt and would have it taken care of and it may take 24 hours for them to stop calling. XX/XX/XXXX they took XXXX from my bank account which also caused a {$39.00} overdraft fee. I called the company they refuse to accept my receipt and stop electronics debits
Product: Checking or savings account

I and my family members opened accounts at Old National Bank on XX/XX/XXXX. They were approved one day, and login blocked the next. Imagine our surprise when we called in and found out that the accounts were closed! What a great turnaround time, less than 24 hours before they approve our account and close our account. We got a letter in the mail half a week later ( around XX/XX/XXXX ) confirming this. 

Now, what's more, we each made an initial deposit of {$500.00}. We were never contacted, either by phone, or by mail, as to the existence of this deposit and how it would be returned to us. The agent on the phone similarly made no mention of the deposit or its return. 

Closing an account is one thing. Although it's terrible customer service, the terms say that companies have the right to close accounts for whatever reason ... sure sure. But companies do not get to close accounts, keep the money, and buy themselves XXXX  or whatever else they've done with the {$500.00} deposits they stole from us. And, as a bonus, pretend that the {$500.00} opening deposits don't exist. 

This is corporate thievery at its worst and Old National should be ashamed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been a victim of identity theft for quite some time. I have a fraudulent and unauthorized collection account and credit inquiries listed on m y Trans Union ,   XXXX   and   XXXX   credit report that do n't belong to me. The collection account and credit inquiries are all fraudulent and unauthorized. I have been receiving threatening phone calls of death threats for the collection account with   XXXX   XXXX  . The following collection account is fraudulent and unauthorized :   XXXX   XXXX   {$460.00},  XXXX / XXXX / XXXX , the following credit inquiries are fraudulent and unauthorized :   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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have included information on accounts that are are reporting and not mine. 
1. CREDITOR : SANTANDER ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/2019 BALANCE OWED : {$30000.00} BUREAUS TO DISPUTE : XXXX XXXX XXXX 2. CREDITOR : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/2019 BALANCE OWED : {$20000.00} BUREAUS TO DISPUTE : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached the FTC report affidavit. I have still not received cure I required for the said accounts to be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I signed for a XXXX XXXX for my brother, XXXX XXXX. There was a car accident then the car was totaled out ( ruled by the insurance company ) and completely paid in full and in GOOD STANDING due to the XXXX insurance. 

Bank of The West has been refusing to remove this from my account for months even though this situation has been resolved for years. I have proof that it is correct on my brothers credit, but they are refusing to update on my credit. I want it remedied immediately because it is causing issues with me getting future lines of credit for anything my family needs. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I found out that Midland Credit Management added a collection account on my credit reports. I reach out to them letting them know this account was opened fraudulently & it doesnt belong to me. The representative advise I can settle with and they will than remove it from my credit report. I advise them that it was not my debt and they never sent me the proof in writing as I requested. I contacted XXXX, XXXX XXXX XXXX advising them that this account was fraudulent. They removed the account only for it to updated as verified. I reach out to the credit bureau and advise to them I never received any of the information on my request from Midland Credit Management for proof verifying this accords opened by me. Im filing this report because I dont know what to do in order to have this collection account removed from my credit profiles that is impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple problems with Transunion credit report. 

1. Name is incorrect, that is NOT my legal name. Needs fixed.

2. You have me working at a job before I was born, needs fixed.

3. The score is XXXX and at another agency XXXX. Needs fixed and explained. 


This is causing stress and problems with refi on my home and other debt. 


Transunion refuses to address these errors and problems. 

I have contacted legal representation and entered her name along with mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Item # XXXX : I dispute Texas XXXX XXXX XXXX Balance {$0.00}, account XXXX. The company did an illegal Repo as explained in letter also sent. Complaints was filed with the FTC, State of Texas and the NCUA. 
The account was never past due and should not have been repod. The customer even sent bank information that his account and bank account had been hacked during that time. The bank blocked me from making any payments online XXXX  month prior to SO CALLED REPO. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. This account has been removed by Transunion and I attached proof.. Per Section 611 of the Fair Credit Reporting Act, I have a right to be notified of debt and given XXXX  days to dispute. You have not followed that and not allowed me to do so prior to positing to credit report. 

Item # XXXX : I dispute XXXX XXXX XXXX XXXX  Acct : XXXX. This account was paid off in XXXX of 2022, I have documents from XXXX to prove this car was sold. This account should not be a charge off. 
This account is now showing a XXXX balance but is showing still as a charge off. Showing XXXX  months as charge off. XXXX XXXX reversed a payment over $ XXXX then post account in negative, which is against the fair reporting act.. Per Section 611 of the Fair Credit Reporting Act, I have a right to be notified of debt and given XXXX  days to dispute. You have not followed that and not allowed me to do so prior to positing to credit report. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider XXXX  days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a denial of finance from an auto dealership. And listed as a credit reporting agency is SageStream. Besides the fact that they are mostly unheard of, how can it be fair to consumers for this invisible company to rate our credit when they obviously use a totally different means of using their information. And with them having close ties to these other companies that sell consumers products and services that are closely tied to needs/ideas of the information they are reporting on?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  had purchased an account from XXXX and put it in collections. I received a summons from the law firm they hired XXXX. we came to a settlement agreement which I will attach. I fulfilled the terms of the agreement however the XXXX account is still showing negative instead of paid on my report. I made all communication with portfolio and XXXX through email, but now when I email portfolio about this they only give me a number to call. I have made several attempts with portfolio to have this corrected and to get it reported correctly with XXXX to the bureaus, but they have not been helpful.
Product: Credit reporting or other personal consumer reports

I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile. Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on deaf ears. It is important for you to understand that by law, you are required to take immediate action upon receipt of such requests. Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX 2018 ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX 2018 ), they may be liable for false reporting. By law these should be deleted because I have proof that they were also deleted from the other credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the 3 major credit bureaus to take off inquiries and reporting miss information on my credit.
Product: Credit card or prepaid card

On XX/XX/2023, CAPITAL ONE BANK USA NA did a hard inquiry on me. I didn't apply for anything from this company. I have not applied for any credit cards or loans from any companies. I have contacted the company twice and both times was told that they didn't do any inquiries on me. Yet when I disputed this through XXXX I was told that Capital One Bank verified that the information is correct. I have also spoke to XXXX who wanted Capital One to remove the inquiry themselves. Since they keep saying they didn't do this, I can't get it rectified. 

I didn't apply for anything where a hard inquiry would need to be done on me. At this point I have contacted all of the credit bureaus and have not been able to get this fixed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Mortgage

In XX/XX/year>, I was with XXXXXXXX XXXX XXXX. I had placed my trust in them and didn't have any problem. Their representatives had been calling me to refinance my home, assuring me that they could get me to refinance under {$1500.00} per month. I was talking back and forth with a lovely guy who advised me that someone would be calling me. Hours past I received a call from XXXX XXXX XXXX. He said that XXXX could not get me under {$1500.00}, so they transferred my information to them, and he could get me down. He advised me that he could get my payments at {$1300.00} per month. He said he saw that I didn't make that much and should try to find other work because I didn't make that much money. I started working with him, and he kept telling me he had me approved and sent me paperwork. I looked it over, and it said {$1600.00}. I told him I couldn't do that, and he advised me that would not be my payment because of the up and down rates. I signed it like a fool. A week later, the guy from XXXX called and explained he had not sent my paperwork anywhere. He advised that brokers and companies see when they pull my credit and call the customers. I tried calling the office to speak with XXXX XXXX, and I got XXXX 's voice saying he was XXXX. It's a bunch of fast talk. I want people to know how these brokers will call you and say they are with someone else. Now, I am stuck with a payment of {$1800.00}. I am so embarrassed that I let this happen. I was not going to make a complaint, but then I thought about how others and XXXXXXXX are doing the same thing to not do business with XXXX and XXXX XXXX from Mortgage One. Firm. I felt a deep sense of betrayal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a home and decided to review my Credit report and realized I have lots of damages on my credit report.

According to 15 USC 1681 Law there should not be any damages on my report as this is a defamation of my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX closed my account and placed a fraud alert on it however no frau was committed and there was no money received fr the account to have been flagged for fraud.