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

In XXXX of XXXX, I reached out to the XXXX major Credit bureaus Transunion, XXXX, and XXXX to fix an incorrectly reported item ( XXXX XXXX XXXX - {$3300.00} ) on my credit report. Each bureau claimed to have investigated the claim with XXXX XXXX XXXX and verified it. 

This is impossible however because between the time of the debt being reported and the time of the investigation, Id worked directly with the Original Creditor to address a number of issues and overcharges ( proof attached ) In XXXX of XXXX, I reached out to TransUnion, XXXX, and XXXX by certified mail with a return receipt to show them proof of this incorrect account and request it be removed. To date, I have not received a reply. 

I have had a number of my rights violated in the handling of this dispute, namely ; 1 ) My complaint was not answered within 30 days as required in the FCRA. The incorrect item must now be deleted.

2 ) Section 611 ( a ) ( 1 ) of the FCRArequires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. This never happened. If It had, my file would have been updated.

3 ) Section 611 ( a ) ( 3 ) requires prompt deletion of item information from the file of the consumer when proven to be inaccurate.

I shared proof with the CRAs ( attached hereto, I've withheld their name in case a lawsuit against the CRA 's becomes necessary and they need to be called as a witness ) that clearly shows the Original Creditor made changes to my ledger AFTER it was reported to my credit file. Any reinvestigation would have resulted in a corrected account. 

I am requesting this account be deleted immediately from Transunion, XXXX and XXXX report. 

If this account is not promptly removed, my next course of action is to file a lawsuit as I am entitled to damages due to the CRAs negligentfailure to comply with its obligations under the FCRA. 

I intend to seek : - actual damages of the harm and opportunity loss this irresponsible reporting has cost me - attorneys ' fees and costs. ( 15 U.S.C. 1681o ). 
- punitive damages for the willful disregard of my rights. 

I appreciate your time and attention and look forward to a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been almost a year now since i made my experian account and requested my free score and report name is : XXXX XXXX XXXX i have been charged repeatedly over and over BY EXPERIAN FOR A SUBSCRIPTION I NEVER EVEN SIGNED UP FOR. Experian gives you a " XXXX '' product that they peddle as accurate when NO mortgage companies use that score. In addition, once you realize this is a TOTAL scam product, YOU CAN NOT UNSUBSCRIBE from their relentless marketing emails. I called them on the phone repeatedly and no one would remove me from their email list. I requested to be removed via their chat, no results. This is tantamount to an abusive telemarketer calling you repeatedly when you are on the do not call list. This company should be fined MILLIONS for the harassment of the American people. this is a very frustrating issue regarding the fact that i, trying to improve my score and report but it seems as if the bureaus jus want to demolish it. XXXX AND XXXX also as well have been continously sending me emails and furnishing things on my reports listed under " experian works '' " XXXX XXXX '' these two bureaus also pulled the little " oh yea get started for free but also enter your credit card info... ..... ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


EQUIFAX NAME : XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, FL XXXX INQUIRY : XXXX XX/XX/XXXX COLLECTIONS : 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 EMPLOYER : XXXX ADDRESSES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX COLLECTIONS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, MI XXXX INQUIRY : XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF MO 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
Product: Credit card or prepaid card

I received notifications that two credit card accounts were applied for with Bank of America. When I called Bank of America I advised them that I did not apply for these accounts I have spoken to 10 different reps and the accounts have not been closed. I have not applied for any accounts with Bank of America and these credit cards need to be shut down. When I called Bank of America they refused to close the account and stated there is a block only. I have not applied for these accounts and want them removed and closed. I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 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 an account without my expressed written instructions. 

Account Name : 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 Additionally, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things, please delete these accounts from my credit report. Thank you.
Product: Mortgage

SPS select portfolio servicing Inc. is the servicer for XXXX XXXX XXXX XXXX in XX/XX/XXXX they filed a foreclosure presiding on XX/XX/XXXX the Covic 19 obligate the government to close or put on hold all proceedings., SPS continues with the foreclosure with out respecting federal and state laws., The CARES Act general prohibits a servicer of federal back mortgage loans from continuing legal remedies during the pandemic and that foreclosure should resume after XXXX. SPS has violated all rules ( copy attached of case with all entry Information ). SPs has felt on give me the opportunity to apply for loss mitigation. And has denied the opportunity for any forbearance program under CARES Act .Please Investigate and resolve as soon as possible.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
" "
Product: Debt collection

This is an extension of my latest complaint against Resurgent. In their response to the CFPB complaint " XXXX '' ( no last name ) from their compliance department left the " compliance contact '' phone number XXXX. I called the number and was then informed that " this is an attempt to collect a debt ''. No, that is totally inappropriate. I am calling a compliance department to discuss a violation. Anyway, the automated system then attempted to trick me into pressing various numbers that would falsely allow them to claim that the purpose of the call was to make a payment. When I finally get to speak to a rep, the rep says she needs to ask questions for security verification. Two of the security verification questions are variations of " do we have permission to contact you. '' So they are lying on the face of it again attempting to entrap me and then misrepresent the conversation in court later... totally inappropriate .... I decline, and then she refuses to speak to me unless I lift the cease and desist order. I give up. The next day I call again. Same bad faith response from resurgent. This time I speak with 3 seperate reps. I am informed that my case is " not being handled by compliance '' and they refuse to transfer me or tell me who XXXX is. They will not listen to anything I have to say unless I lift the cease and desist order, which they violated anyway, which is the purpose of the call. This is completely ridiculous and there is no way this is legal or moral in any society... I want to sue them. They have been illegally harassing me for months to pay a debt that I do not owe. Even the written response to the government complaint is in bad faith. This is so flagrant. Someone needs to go to prison over this .... They better not delete the voice recordings before the court gets to listen ... and who the XXXX is " XXXX ''?!
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has acquired my personal information and have applied for services. I've a fraud alert on my credit file.I wasn't contacted by XXXX  or the companies running these inquiries.I 've contacted the businesses and they're telling me to contact the credit reporting agencies, the agencies are telling me to contact the companies.
Product: Credit reporting or other personal consumer reports

I had an outstanding balance with XXXX XXXX on a closed account. A closed account, which had already been charged-off but they were still reporting it as delinquent. 
I paid the balance of {$420.00} IN FULL on XX/XX/XXXX. 
The funds were immediately extracted from my bank account. 
As of today, the information status is still the same on my credit reports. 
I spoke to a representative today, XX/XX/XXXX, and was told it won't show as settled until around XX/XX/XXXX. And it will take MONTHS for the status to change on my credit reports. It is not fair that my money was taken and they refuse to formally acknowledge it was PAID IN FULL in a timely fashion. It should NOT take this long! XXXX XXXX 's practices are unfair. I just want this rectified so I never have to deal with them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove this Fraudulent account ( XXXX XXXX ) immediately and do not re insert this account on my report again. I have notified Attorney General XXXX XXXX, a complaint has been filed with the attorney generals office. 

1. remove the XXXX XXXX account as this was previously investigated and removed. If you Equifax determined this account to be fraudulently added to my report why is it now back on the report. This is a violation and illegal attempt to cause harm. I demand monetary compensation of {$1000.00} for each violation. 

Equifax has neglected to respond within a timely manner to provide verification on this account. Please remove this XXXX XXXX XXXX ( fraud ) account immediately and do not re insert this account on my report again. I have notified Attorney General XXXX XXXX, a complaint has been filed.
Product: Debt collection

Debt Recovery Solutions XXXX XXXX XXXX XXXXXXXX NY, XXXX XXXX I filed a dispute with the above listed company asking for a copy of a signed HIPPA form by me. If they couldn't produce it they would be in direct violation. They have not responded or sent me a copy. They reported a duplicate collection on my credit report of {$220.00}. Rather than simply responding they intentionally reported a duplicate collection on my report to further prevent me from getting funding. That is a clear violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items 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 : XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, EXXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$780.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$170.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$17000.00}, 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 or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts are attached to the identity case I was involved with and instructed by the FTC to file a report- FCRA and this account is still not removed and notified that account will not be blocked. Transunion is still reporting this inaccuracy to my credit profile. 

Please see attachments that I sent in last month with the FTC report, Police Report and copy of the most update report by a different bureau. Please remove inaccurate information noted above that does not belong to me and remove from my Transunion credit profile immediately after reviewing relevant documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Here are fraudulent inquiries on my Equifax : XX/XX/2022 XXXX XXXX XX/XX/2022 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  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company, Equifax, never responds to calls, has no provision to contest statements such as the following on their website ;. 
Equifax is reporting the following errors ; 1. Serious delinquency - I notified XXXX XXXX regarding covid relief last year with automatic payments during the months XXXX, XXXX, XX/XX/2020 are showing up late ... Equifax is still reporting this which is not valid, listing it as a 'serious delinquency. ' 2. Equifax is reporting I have high loan balances ... not true. Equifax states the remaining balance on my mortgage is 'relatively high ' ... .that is an opinion, not based in fact. I have a balance of XXXX XXXXXXXX on my mortgage paid down from XXXX XXXXXXXX ... XXXX XXXXXXXX in Connecticut for a 4 bedroom colonial home is NOT high. 
3. Equifax is reporting too many accounts with high balances - NOT true. I have two credit cards with a combined credit limit of XXXX XXXXXXXX, and owe {$1500.00} on average ... that is NOT high. I have a student loan for my XXXX, which is XXXX XXXXXXXX and hasn't even started yet ... that's it ... that is not " too many ''! 
4. Equifax reports " High Credit Usage '' - how can that be? my revolving credit is as I stated in 3, XXXX XXXXXXXX with a balance of just {$1500.00}!!!
Product: Debt collection

I received this Transmittal on XX/XX/XXXX/2017for the amount {$73.00} but do not know what for, or too whom I would owe this debt. This is my first attempt to try an resolve the issue because the number provided on the transmittal says that there is no phone contact ability. 

Therefore I do n't know to whom or why I would bother to pay smithing that I have no knowledge of. 

The company in question is XXXX. Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.XXXX  PAXXXX XXXX
Product: Debt collection

I bought an electric appliance about two years ago at XXXX XXXXXXXX XXXX XXXX. I bought the item on credit because their was a promotion at the time of 24 months of no interest if paid in full before the promotion expired. I have since then have paid my bill on time and never had an issue. Late XXXX of XXXX..going into XX/XX/2021, I came down with XXXX XXXX along with my family. We were in quarantine and very ill and even needed medical attention. At the time, I did not realize that the promotion had expired in XXXX and the company added all the back up interest that had accumulated for two years. I called the company in XX/XX/2021 asking if they can please give me a courtesy and to waive the interest and Ill pay the balance I owed to cancel the debt. I was told that their was nothing they can do over the phone and that I had to submit a written statement to corporate. I wrote my statement and sent it thru fax and mail. I finally received a response via mail this month ( XX/XX/2021 ) explaining to me that my only option was to go thru a third party non profit company to see what were my payment options. I called yesterday XXXX XXXX and asked to speak to someone in corporate and I was told that wasnt an option because their is no other way of getting in contact with them other than via mail as I previously did with the written statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : 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. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Checking or savings account

About 2 years ago I decided to open up an account with U.S. Bank. When it comes to adding funds to my account, I didn't come to think that I would have this problem still today. As for, all my other accounts that were funded the same way I funded my U.S. Bank account. I did not have any problems whatsoever. U.S. Bank is holding approximately {$9000.00} of my money. They say my account was closed due to suspicious activity or fraud related transactions. Which I think is ridiculous. Im already a victum of id theft myself and going through this just makes my life even worse. Ive tried mumtiple times to try anf resolve this situstion but have gotten no where but in circles. I've been waiting for either a cashiers check or for the funds to be " returned to the sender '' as XXXX the fraud specialist has mentioned. XXXX is also holding another XXXX of mine and also realized that XXXX has been deducted from my account which I have no idea why. I'm furious and upset that I'm going through worse obstacles today because of this reason. I really am in need of help. For more Information please contact me.
Product: Credit card or prepaid card

I was told to report the fraud to either yous or the local police department