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

I submitted a letter to the Credit Bureaus to delete these erroneous 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 legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX  these accounts below has 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 written instructions. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, 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. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to XXXX5 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Product: Credit reporting or other personal consumer reports

Hi Experian, I just received copy of my credit report and I saw this fraud car loan that shall delete from my credit report. 

I REQUEST THE DEBT VALIDATION AND THE SIGNATURE THAT I AGREED TO THIS ACCOUNT. 


I spoke to XXXX XXXX XXXX and I was told that this account is no longer in the system and I have the right to have this inaccurate information delete from my credit report. 

I would like to exercise my right and have this account delete from my credit report.
Product: Debt collection

Calls my phone XXXX times a day, looking for someone that is n't me. They said they would stop calling and take phone # of list but they still call.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed a late payment on my credit report from amazon prime synchrony, Account ending in XXXX, for the amount of {$15.00}. I have not even used this card yet and they cant explain to me where the charges came from : XXXX XXXX XXXX WA XXXX Free {$6.00} Late Fee {$6.00} Minimum Interest Charge {$1.00} Minimum Interest Charge {$1.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry from XX/XX/2018 The above inquiry is Fraudulent. Please investigate and remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal and urgent demand for TransUnion to immediately block and remove fraudulent and inaccurate information from my consumer credit report. Pursuant to FCRA 605B ( 15 USC 1681c-2 ), you are legally obligated to take action within four ( 4 ) business days of receiving this complaint. 

The fraudulent accounts that need to be removed include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) These accounts were not opened, authorized, or initiated by me. They are the direct result of identity theft and fraud, and their presence on my credit report is causing significant harm and damages. I have attached a list of these fraudulent accounts as well as a copy of my consumer XXXX credit report, which clearly shows these inaccuracies. 

Furthermore, I have attached a copy of my FTC Identity Theft Complaint ( No. XXXX ), which serves as irrefutable proof that these accounts are fraudulent. Additionally, these accounts have already been **removed and deleted** from other credit reporting agencies, yet they continue to be inaccurately reported by TransUnion, XXXXg ongoing harm to my credit standing.

Your failure to properly validate the information provided by these companies is a clear violation of the Fair Credit Reporting Act ( FCRA ), and I demand that all of these fraudulent accounts be removed from my consumer credit report **immediately**.

You are hereby instructed to delete these accounts without further delay and provide me with a corrected consumer credit report. Should you fail to comply, I will not hesitate to take legal action against TransUnion under 15 USC 1681 ( e ) ( b ) and 15 USC 1681 ( i ) for the harm and injury caused by your negligence.

This is your final warning. I expect full compliance with my demands and prompt resolution of this matter. Any further delay will result in immediate legal action.
Product: Debt collection

Recieved an artificially stamped envelope in my mail. No date. Stated : 'PAID -pci ' Debt Collector Name : Universal Recovery Corporation Apparent Creditor : Deciding to keep name private, since U.R.C may keep track of their accounts based on false Creditor Names. ( " The Creditor '' has an incredibly sketchy website ). So does Universal Recovery Corporation. Even XXXX told me to LEAVE THE SITE!! I have screenshots. The creditor claims to be an XXXX XXXX XXXX. I've never used them. I've only been with mainstream auto insurance companies. 
The reviews on XXXX for Universal Recovery Corp, are horrific, and the responses from the company is horrendous and in no sense professional for a " debt collecting agency ''. XXXX XXXX, is the appointed Supervisor, who has poor customer service reviews as well, and in her letter, she stated .. '' as required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. " This whole notice says FRAUD!! The reviews say FRAUD!!
Product: Vehicle loan or lease

This is complaint number 3 that I am submitting for the same issue with Chase Auto Finance. I am currently XXXX and have a 3rd party insurance company, XXXX XXXX, paying my car payment. Again, Chase states they haven't received payment for XXXX, and the check was sent on XX/XX/22. It has not been processed and they are researching where it's at. I am being told I can call back in 7-10 business days to see if they've found it. I have multiple health conditions that require my attention and time. I shouldn't have to spend another hour on the phone for something they could contact me and let me know about. Each time you call you get someone different who asks about the situation and places you on hold forever to find the right person to talk to. It is undue stress that I don't need with my medical conditions.
Product: Credit reporting 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XX/XX/XXXXXXXX Balance {$800.00} XXXX XXXX XXXX XXXX Balance {$570.00}XX/XX/XXXXXX/XX/XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX Balance {$0.00} XX/XX/XXXXXXXX Balance {$0.00}XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXXXX/XX/XXXXXXXX XXXX Balance {$770.00} XX/XX/XXXX XXXX Balance {$590.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and the information on my credit report is incorrect. Reporting information incorrect. Report attached.
Product: Mortgage

From XXXX of 2023, presently, Newrez has been charging let fees lates fees to my mortgage payment and I continue to pay them and they keep adding now my mortgage is going to be over {$2000.00} next year for me to be in a 4.3 percent mortgage.They say, its my insurance and taxes, so they taxes and insurance has went up 7 to 8 in 2 years, the rate that lates keep adding on, its stoping from paying my hoa and getting ready to cause hardship because, they trying to force me to refinance.
Product: Credit card

Good Day, The store named Marshalls talked me into applying for this card. The card is named TJX. From Synchrony Bank. The card was closed without any communication from the issuing company without my knowledge and without any communication from the company. 

This company totally did not follow the Protocol of the Credit Card Act Rules. It would be greatly appreciated if your agency could assist with the reinstatement of this card Please, Thank You.
Product: Student loan

this is regards to the lawsuit settlement between CFPB and XXXX College. My son had XXXX student loans issued thru Genesis Lending via XXXX. My husband is a coborrower on these loans. He has received XXXX letters for the XXXX loans, but our son has not received these letters - it is very important that our son receives these letters addressed to him as it has these XXXX loans have had a negative effect on his credit reports. The letters sent to my husband stated that notification was sent to the XXXX major credit reporting agencies requesting that these tow loans ( accounts ) be deleted from his credit report, but our son has NOT received these leters.
Product: Credit reporting or other personal consumer reports

I am challenging four different reports of late payment and one report of a " write off '' from XXXX when the loan is current and I've not stopped making payments. 

I'm filing this complaint against XXXX, TRANSUNION AND XXXX XXXX XXXX. Im disputing the WRITE OFF and the two late payments XXXX XXXX and XXXX. I am current with their collections department, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I had a auto loan opened in 2018, i have provided legal documents of a police report that shows that they auto loan account was opened fraudulently.. they never sent back any verifying papers to show that is was my account or auto loan.. 

Equifax : XXXX XXXX XXXX XXXX  # XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Product: Credit card or prepaid card

Hello, This is a follow-up to an unauthorized credit inquiry for requesting more evidence # XXXX, # XXXX. Please review XXXX SECTION 8, page 20 listed as : XX/XX/2019 DSNB/BLOOMINGDALES
Product: Credit reporting or other personal consumer reports

According to my credit report, I noticed my privacy rights were violated. 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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C.

1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The accounts that are in violation of my rights are listed below. XXXX  XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted equifax mid XX/XX/2018 via hand written letter. I asked them to verify with the information that CURRENTLY had on hand and to send me what they had in that file to verify each item. I'm well aware of my rights and know I'm aloud to request that information. I went on further to say " please don't send me back a piece of paper that just says " verified " Well! That's exactly what they did. The accounts are fraudulent so how they are verifing them properly is beyond me, plus they are responsible for furnishing the documents in my file at the time of my request used to verify them anyway, they did NOT. 

They sent me these papers plus a copy of my report. Clearly is a stall tactic. 

I'm now asking the CFPB, FTC and XXXX to step in.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here are the inaccuracies I have identified : Account Name : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) Account Number : XXXX Reason : Incorrect dates listed Instruction : The date opened says XX/XX/XXXX and the last payment date is XX/XX/XXXX. This is incorrect. This account is being reaged and it it too old to be on my report if the last payment date is XX/XX/XXXX it must have been opened before that date and anything before XX/XX/XXXX is older than 7 years and needs to be removed from my report. Please correct this inaccuracy or remove the account per FCRA accuracy guidelines. 

Account Name : XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Reason : Incorrect dates listed Instruction : XXXX is reporting an opening date of XX/XX/XXXX while Experian is reporting an opening date of XX/XX/XXXX. Both of these can't be correct and as such that is inaccurate reporting. Please remove this erroneous account from my reports. 

Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Incorrect dates listed Instruction : The date opened says XX/XX/XXXX and the date last active says XX/XX/XXXX. This is incorrect. On XX/XX/XXXX I could not have opened any accounts because I was in prison. I have been incarcerated since XX/XX/XXXX. I was in prison on this date of opening. So this account being reportd is inaccurate. Please remove this from my report Thank you, XXXX XXXX
Product: Credit card or prepaid card

I made a purchase at XXXX XXXX and charged it to my card ( XXXX ) ( SEE ATTACHED DOCS ) which explains the issue. I never asked, authorized, or opened another XXXX card ( reporting on my credit as XXXX but somehow Citi owns it ). That XXXX account is XXXX.
Product: Debt collection

I was involved in the Data breach. Based on, 15U, S CODE {$1600.00} c2, Under 15 U.S. CODE1681 e ( b ) 1681 ( 5 ) In accordance with the Fair Credit Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 section 602 A states I have the right to privacy. Pursuant 15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. lam requesting for the original copy of the agreement & terms & conditions, Failure to comply will forfeit your claims and will require you to delete all the list of items above You are required to do what l am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've written letters to XXXX, XXXX XXXX, and Equifax in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX &XX/XX/XXXX regarding inaccurate, fraud victim and outdated information showing on my reports. All 3 bureaus removed and reinserted the same information I disputed. I 've sent certified mail and there response time is not timely. I 'm very frustrated and after reading sec. 611 609 & 623 my rights were violated. Inquiries : XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : :XXXX XXXX XX/XX/XXXX XXXX : :XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : :XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX Inaccurate Information : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) same acct number XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and when I last came back I checked my credit reports and saw these unauthorized fraudulent accounts on my credit. XXXX XXXX XXXX XXXX  CREDIT CARD I NEVER OPENED XXXX ) XXXX XXXX XXXX I NEVER OPENED XXXX ) XXXX XXXX CREDIT CARD I NEVER OPENED, this is a fraudulent account. XXXX ) XXXX XXXX ACCOUNT I NEVER OPENED OR HAVE A CONTRACT WITH. please remove these unauthorized fraudulent accounts from my credit bureaus
Product: Bank account or service

I use Rushcard services for my military XXXX deposit, my money goes in on the XXXX and I try to pay may bills but the card is decline. The card I 'm using expiration date is XXXX. So I call customer service and they say the card no longer works because the new card they sent out came back to them for the wrong address. I tried to explain to them that my card is good til the end of the month but the service rep told me that 's how their system works. Even though I have to accounts with them I still can not touch my money. Now the rep tells me to verify my address so I did, the rep then says the card would be in the mail in 2 days. Those days have pass and still no card because they sent the card to the wrong address again. We are now on day 3 and I 'm told they sent it to the right address and ups got it wrong. Mean while I have XXXX accounts with them and they would not make my money available to me. I have child care, cable bill and etc that are due when due otherwise there are no services. A rep sent me an email at XXXX stating they know how frustrating it could be and I might have a card in 3 to 5 days but if I need my funds immediately to leave them my contact information so I left my contact information and now there 's no reply.
Product: Debt collection

Enhaned Recovery called my house repeatedly outside the hours of XXXX. Additionally, although credit collection agencies have the ability to remove collections accounts from credit reports, they refused to removed our very small, PAID debt of {$120.00} ( accidentally overlooked as we moved ) and claimed that the FTC requires them to accurately report the account ( which they did, it is marked as paid ) however they outright refuse to remove this tiny colelctions debt from our credit report and they refuse to let me speak to anyone other than their " Operations Manager. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

There was no option to complain or dispute this situation with Transunion. I called and scoured the website, no relief. I take great care of my credit score, I score in the 800 's. I have virtually no credit card debt but whatever I do use on the cards I immediately pay off. I sometimes use my XXXX card for business purchase and pay it right off. Transunion for some reason hits my credit score for -40 or more points. No other agency does this to me. I never complained, it takes a month for the new reporting to come back to normal. This time, on XX/XX/2021 transunion destroyed my credit score knocking it down 69 points. It was a {$3400.00} purchase and they destroyed my credit. There is no reason for that. this is {$3400.00} of {$12000.00} limit ... mind you, I already paid the card to {$0.00}. It's less than 10 % total utilization. I have 100 % payment history everywhere. No other agency does this. Transunion is performing unfair reporting and I deserve to know why. They are also doing this at a time when I'm in the market to buy a house.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. This breach exposed my personal information and unauthorized parties have used it to open fraudulent accounts in my name. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B, 615 ( f ), 623 ( a ) ( 6 ), and 15 U.S.C. 1681 ( c-2 ).