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

Dear [ XXXX, TRANSU UNION and XXXX ], I am writing to bring to your attention inaccuracies on my credit report. After carefully reviewing my credit report, I have identified discrepancies in my personal information, specifically my name and address. I have previously contacted your agency to request corrections, but to date, no action has been taken. 

In accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681e ), any person who willfully fails to comply with requirements under this subchapter is liable to the consumer for damages. The Act outlines that a consumer is entitled to actual damages sustained as a result of the failure or damages not less than {$100.00} and not more than {$1000.00}. 

Additionally, under 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Once notified by the consumer, the furnisher must cease reporting the inaccurate information until it can be proven valid. 

I have attached an image of my driver 's license, providing accurate information for correction. The current information on file, including the address, is non-mailable. I request that you promptly update my credit report with my correct and current mailing address and name. 

Your immediate attention and compliance with the Fair Credit Reporting Act are necessary to rectify this matter. Failure to do so may result in legal consequences for your agency.
Product: Credit reporting or other personal consumer reports

on XXXX2024 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Vehicle loan or lease

I submitted a dispute for the incorrect reporting of a JP Morgan Chase auto loan that originated in XX/XX/2011. The loan was for 60 months, during the life of the loan, I encountered financial hardship that resulted in me getting behind in payments. However, I worked hard to get back on track and worked with entered into a payment agreement with Chase, and the loan has since been fully paid off. 

At the end of the loan, I received two checks from Chase with the explanation that I had overpaid late fees on the loan, and the checks were a refund of these fees. Therefore, I submitted a dispute to the credit reporting agencies to update this account to remove the reporting of months that I was " late '' when in actuality I was not. When I entered into a payment agreement with Chase, late reporting should not have been added to my credit report. Unfortunately, this account was never updated and remains incorrect on my credit report. I have attached the results from this dispute from XXXX.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following ITEMS which I believe appear to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. I have expressed numerous times over the years especially the past year to have TRANSUNION CONSUMER SOLUTIONS accurately verify my account. I have sent proof of my entity, proof of the other bureaus deleting the alleged accounts due to lack of proof. I've also expressed that I have the capacity to under my federally protected rights. They keep sending emails and stall letters about the dispute being accurate. They have NEVER provided me PROOF of ANY documentation of my wet-ink signature, that proves these alleged accounts belong to me. TRANSUNION has successfully humiliated me. As a consumer under my federally protected rights, I have NOT given any company, or persons written instructions or verbal permission to list these alleged accounts. THAT IS A VIOLATION ACCORDING TO 15 U.S.C 1681b. I will not keep putting up with these violations and will be seeking litigation in a small claims court against your company, seeking {$1000.00} for EACH violation for EACH month for DEFAMATION, NEGLIGENT ENABLEMENT OF IDENTITY FRAUD, VIOLATIONS FOR THE FAIR CREDIT REPORTING ACT, FINANCIAL INJURY, PENALTY OF PERJURY ( 18 USC 1028 AGGRAVATED IDENTITY THEFT ), VIOLATIONS OF 15 USC 1692g, 15 USC 1692a ( ABUSIVE PRACTICES ), 15 USC 1681b ( PERMISSIBLE PURPOSES OF CONSUMER REPORTS ), 15 USC 1681 4A B2 ( MISLEADING FALSE REPORTING ), 15 USC 1666b ( TIMING OF PAYMENTS ). I hope this issue can be resolved PROMPTLY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help, I noticed inaccurate accounts associated with my credit reports from XXXX, Equifax, and XXXX. For the past three to four months, I have called as well as mailed all three companies to immediately remove said accounts from my report. My XXXX credit report is showing a charge off with an amount of {$8300.00}, ( charge offs should not carry a balance and should be deleted from my report ). As well as two inquiries that I did not authorize ( plus they're not associated with any open accounts ). My Equifax shows that I have two charge offs for {$8300.00}, {$1000.00} and two inquires. These two should also be deleted as stated earlier regarding charge offs and unauthorized inquires not associated with an account. XXXX shows two charge offs for {$8300.00}, {$1000.00} and should be deleted. They also should update my consumer report to reflect these changes. They have failed to do so and it has cost me greatly the access to obtain credit. My interest rates are higher, I am unable to get a mortgage, and live a decent life with my family. Please help me by enforcing these companies to take action by removing the accounts I have mentioned in the letters I have sent to them. 

Your service is appreciated. 

God bless,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Sally Mae, now Navient on multiple occasions, I even contacted the Federal Student Aid Department. This information didnt get updated. They have admitted to putting a retroactive forbarence on my account. I called and advised them on multiple occasions that it should be in a forbearance status as I was unemployed at the time, and was going though financial hardship still due to the loss of my mother, they have failed to retroactively correct this all the way, and have not updated my credit report for years.
Product: Credit reporting or other personal consumer reports

HAVE FILED DISPUTE IN REGARD TO THE INCORRECT ITEMS ON MY CREDIT REPORT.ITS HAS BEEN WELL OVER 90 DAYS AND HAVEN '' T RECEIVD ANY INVESTGATION RESULTS on the Error.
Product: Debt collection

A collection showed up on my credit report for XXXX XXXX XXXX, XXXX. in the amount of {$1000.00}. I sent a letter to the agency stating that the debt is not mine and requested them to remove from my report. I received a letter stating that the debt is mine with a vague statement but I have not opened an account with XXXX XXXX XXXX, XXXX. and the debt is not mine. This is the second account that has appeared on my credit that I did not open. I feel that this may be a result of my pending divorce and accounts are being opened without my permission. I have taken steps to put a fraud alert on my credit but this is showing from XX/XX/2015.
Product: Debt collection

Attached is the record of ENHANCED RECOVERY COMPANY alleging a non-existent debt and without any evidence. According to my records, this is the second time that said agency ( which must be investigated ) exposes not only me because of the reviews I have read, but also a number of people who are going through this same situation where it arbitrarily affects the empirical the three main agencies from which random and uncertain arrears charges are received without being evaluated without any type of evidence.

I wish to inform you that this agency from which you buy debts at a very low price, but without any type of evidence. in my case I HAVE NEVER HAD ACCOUNTS WITH XXXX XXXX XXXX  or its subsidiaries. If it is true that I had debts with this company, I have never received collection letters because I have never made a contract with it. If this agency wishes to collect {$2500.00} Open balance, if true, I request the original contract with the company XXXX XXXX XXXX XXXX, in my name from the date of the contract until the culmination of the alleged debt. Evidence of the agency XXXX XXXX XXXX delegated the collection of said debt to the collection agency ( signed contract ). Information on the telephone number of said debt as well as where said contract was made. These practices of charging without any type of evidence is considered FRAUD and has been recognized by the Consumer Financial Protection Bureau. When these agencies of scams and legal appearance, mislead, cajole, XXXX, and hardened in the form of a ruse so that the person in a stratagem so that people fall into this falsehood. I ask the Consumer Financial Protection Bureau to carry out an exhaustive investigation of these agencies that lend themselves to collect for a few cents the collection of phantom debts and at the same time alter the record or empirical of the citizens. in my case, they enacted for good and win damages my record and empiric which I request correct and certify with evidence if that debt really exists. Otherwise, if they do not do so, they are exposed to a claim for libel and slander. The Libel and Slander Law of XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) inclining to claim for libel and slander. If this is proven, legal action will be taken against ENHANCED RECOVERY COMPANY for damage to the reputation, dignity and affront that this agency carries out. 
Therefore, you are ordered to completely eliminate the records that appeared in the agencies XXXX, XXXX AND XXXX. 
We formally ask the Consumer Financial Protection Bureau to exercise and direct these agencies to be meritorious, since this same practice has been repeated with too much insistence to try to collect money illegally and deceitfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is that I have 2 accounts XXXX XXXX & XXXX  XXXX XXXX that are this reporting negative credit information and the 7-year rule is in effect. Both accounts in question 1st became delinquent over 7 years ago. I disputed this with all 3 credit bureaus and not only did they not fix the problem, they also didn't properly investigate the matter. Not even the creditors were able to verify what we requested. 

My complaint today is with XXXX, Transunion, and XXXX. Hoping to get this resolved and appreciate your help.
Product: Consumer Loan

Wells Fargo Dealer Services Auto Loan not my account. Appears on my credit report as Account # XXXX
Product: Debt collection

I provided a written request from Mandarich Law Group on XX/XX/XXXX asking for a debt verification. I never received the information/proof of debt. They then sent the account to a lawyer and filed a case against me when they should have stopped all collection attempts. I called them on XX/XX/XXXX to notify them of this and they said they would call me back within XXXX business days which they still have not. I have sent XXXX subsequent follow up emails to them and still have received no information/contact from them.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I Consumer XXXX XXXX am writing the complaint on my own behalf. I am a consumer who have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) XXXX XXXX has violated my right to privacy by furnishing information about me without any lawful authority. XXXX XXXX is a also in violation of Regulation Z XXXX ( d ) ( 2 ) which states that a creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. XXXX XXXX was sent a billing error notice as well as a billing dispute. A consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the XXXX XXXX XXXX. I was not given the chance to opt-out of having this reported information by XXXX XXXX and this is a violation of 15 USC 1681a ( 2 ) ( iii ) and must be removed. A consumer reporting agency needs written instructions by, I the consumer to furnish a consumer report. without written instruction consumer reporting agencies has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumers report. By definition XXXX, XXXX, and Experian has committed identity theft. This is a violation of 15 USC 1681b ( a ) ( 2 ) and the information associated with XXXX XXXX Must be removed. XXXX XXXX was also sent a cease and desist which also stated that they must cease and desist communication through any and all mediums including my consumer report. XXXX XXXX has continued to report on my consumer report as a way to extort me for money 18 usc 894 which says that the collection of extension of credit by extension is a criminal offense and any two or more parties involved with the collection of an extension of credit through extortion are involved in racketeering.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX are claiming I owe {$1300.00}. They also falsely place information my credit report. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX ( b ) that your claim is disputed and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXXXXXX Date of inquiry XX/XX/2020 XXXXXXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date XXXX inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, NA 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.
Product: Debt collection

The account is being handled by Clark County Collection Services, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX, XXXX. The issue is not with the collection agency who have been nothing but professional to this point but with their client. 

The debt is a medical bill which was submitted to collections XX/XX/2020 from XXXX XXXX. The debt was a patient responsibility in the amount of {$210.00}. 

Prior to submitting the debt to the collection agency the creditor illegally inflated the debt by {$110.00} which was intended to cover the contingency fee Clark County Collection will charge upon successful recovery of the debt ( contingency fee of approximately 53 % of recovery ). This fee is a cost that the original creditor must absorb and charging it is in violation of Nevada and Federal collection laws. 

There is no signed agreement between me and XXXX XXXX   which allows for cost of collection and even if there were it would only allow for legal fees if the account is litigated under state and federal law. As such the creditor has illegally inflated a debt for the purpose of offsetting the cost of collections.
Product: Credit reporting or other personal consumer reports

Im unable to login into my Experian account due to my ex partner committing identity fraud. I have a new phone number and email so I cant receive the verification code being sent to verify me. I was able to freeze my credit but now im unable to lift the freeze? How inconvenient
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Student loan

i did loan rehab in XX/XX/XXXX paying almost XXXX a month on a ( im going to round up ) XXXX loan then the monthly payment dropped to XXXX a month in XX/XX/XXXX i have always payed XXXX a month and 15 years later i still owe over XXXX and my expected payoff is XX/XX/XXXX this makes no sense to me i have had many loans in the past that i have been able to pay off why wont this balance go away even when i pay extra every month.
Product: Credit reporting or other personal consumer reports

I mailed in a bankruptcy dispute letter to lexis nexis on XX/XX/year> in which the delivery was confirmed My information is being listed without my written permission or authorization this account is in violation of 15 usc 1681b permissible purpose. my information was obtained under false pretenses which is a violation of 15 usc 1681q. You possess my information without permission to use it which is a violation of 15 usc 1028a aggrevated identity theft. I also have a court letter and a PACER letter that confirms PACER and the bankruptcy court did not verify this information with any consumers
Product: Debt collection

After receiving notice in the mail that this debt had gone to collections, I responded immediately to the law firm/collection agency because I was unaware that this debt had NOT been consolidated through the Public Service Program I had applied for. After speaking with the attorney 's secretary, I agreed to pay $ XXXX/month for the total amount of a little over {$6000.00}. About 6 months later, I considered offering a lump sum payment and discussed this with the secretary. She told me that I ca n't settle for any other amount because it 's an education loan and that there 's no benefit to paying it all at once. I then agreed to continue to pay $ XXXX/ month. After approx. one year and a few months, the law firm contacted me about my automatic payment that did n't go through because my debit card had been replaced by the bank. While discussing this with the secretary, it came to my attention that the principal of the loan was much higher than I expected it to be because I was being charged 5 % interest per year. I had paid almost {$400.00} in interest as of XXXX 2015. I am upset because I was never told in writing or orally that I was paying interest. I was also discouraged to pay a lump sum and was actually told that it would n't be advantageous to me, which is clearly untrue. Finally, while this is an education loan, I have trouble believing that I ca n't offer a settlement amount as this is a debt that has already gone to a collection agency. While I do n't know the law in Pennsylvania, I do n't understand why I ca n't try to settle for a lesser amount, or why I was n't told that I 've been paying interest for a year and a half.
Product: Credit reporting

I asked for my yearly credit reports XXXX, Trans Union, XXXX online. I never received any of the reports. I did this in XXXX and around XXXX I checked with all to see if my annual reports of hard copies had been sent to me. The hard copy reports had not been sent, but Trans Union, and XXXX stated they had been sent, but I never received them. XXXX would not even let me check to see a status unless I bought a XXXX look to see if it was there. I have till this day not received any of them, and I have a dispute I want to check with XXXX, and they will not even let me see my report.