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

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$6300.00} ; XXXX  XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

around XX/XX/2021 I file a dispute with experian to dispute XXXX XXXX XXXX due to reporting inaccurately on my credit report XXXX XXXX is reporting undera bank ruptcy that I have also disputed and Experian is saying they validated all the information that I disputed through a third party agency I explained to experian that I do not have a bankruptcy I was told that I needed to submit proof that I did not have a bankruptcy I contacted the court house attached to the bankruptcy and also attached to XXXX XXXX XXXX and was told that they do not release information to the public I contacted experian again and explained that the courthouse does not release information to the public experian told me that they have already validated the information through a third party
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax announced a breach that exposed my personal data - resulting in numerous occurrence of identity theft which cost me in excess of $ XXXX in fraudulent charges. On XX/XX/2022, I submitted a claim form for the Equifax Data Breach Settlement. As of XX/XX/2022, I have not received any correspondence or update regarding the settlement regarding its status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a data breach and I was one of the victims. 
So I have had all my accounts with them show delinquent which is incorrect. 
None of my accounts are delinquent and all have been paid to a XXXX balance. So all of my accounts needed to be corrected and show no late paymets as well as no balance is due on any of my accounts. All my accounts have a XXXX balance. 

In XXXX of XXXX, Equifax announced it experienced a data breach, which impacted the personal information of approximately XXXX XXXX people. A federal court approved a class action Settlement that resolves lawsuits brought by consumers after the data breach. Equifax denied any wrongdoing and no judgment or finding of wrongdoing was made. 

If you are a Class Member, the deadline to file Initial Claims Period claim ( s ) for free credit monitoring or up to {$120.00} cash payment and other cash reimbursement passed on XX/XX/XXXX. 

The Settlement is now effective. If you you requested a cash benefit during the Initial Claims Period, the amount you receive may be significantly reduced depending on how many valid claims are submitted by other class members. Based on the number of potentially valid claims that have been submitted to date, payments for time spent and alternative compensation of up to {$120.00} likely will be substantially lowered and will be distributed on a proportional basis if the Settlement becomes effective. Depending on the number of valid claims filed, the amount you receive may be a small percentage of your initial claim. 



Extended Claims Period Claims If you were impacted by the Equifax data breach, you may seek reimbursement for valid Out-of-Pocket losses or Time Spent ( excluding losses of money and time associated with freezing or unfreezing credit reports or purchasing credit monitoring or identity theft protection ) incurred during the Extended Claims Period if you have not received reimbursement for the claimed loss through other means. 

To be eligible, your claim for Out-of-Pocket Losses or Time Spent must occur between XX/XX/XXXX and XX/XX/XXXX ( the Extended Claims Period ).
Product: Credit reporting or other personal consumer reports

I applied for a {$37000.00} loan on a XXXX XXXX XXXX valued at {$99000.00} on XX/XX/XXXX. I received several rejection letters from various loan companies that XXXX XXXX XXXX submitted the loan applications to. I made numerous attempts to get copies for the basis of the rejections from XXXX by calling the finance manager and the XXXX general manager, all to no avail. The XXXX dealership is located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. The vehicle vin is XXXX. As Directed by the rejection letters, I have submitted requests in writing for copies of my credit file. I left numerous messages with XXXX XXXX, Finance Manager and General Manager XXXX XXXX. The rejection letters also says to get specific rejection information from the dealer. I am prepared to file a formal complaint with the Consumer Finance Protection Bureau if necessary. 

After initiating a XXXX complaint, the general manager said the reason the finance manager did to not respond to by earlier phone calls was probably because he was preparing for marriage. I explained that I wanted copies of the credit applications XXXX prepared on our behalf. Subsequently, the general manager said he was advised by his legal counsel that the credit application data could not be provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Debt collection

First of all, my XXXX had so-called emergency treatment on XX/XX/XXXX. I tried to fix the problem with the XXXX XXXX XXXX XXXX and contacted my insurance and XXXX. Then, they assured that they can take 20 % off from the statement and I tried to schedule a payment plan with additional discount due to XXXX. 

Around XX/XX/2020 I noticed that I was referred to debt collector called Medicredit - XXXX XXXX XXXX Maryland XXXX, MO XXXX. 

I talked to them twice and send the documents around XX/XX/2020 and they still send the incorrect amount of {$1800.00} which I will not pay and can not even afford it.
Product: Debt collection

I am currently in debt relief program and my lawyers have sent lendmark financial there power of attorney letting them know to contact them regarding my account
Product: Debt collection

I called the credit collection agency that had XXXX different claims on my credit report. I had no idea that this was even on my credit report. The lady on the phone said that I owe way more then what my credit report said. I asked here what it was for and she just told me I have XXXX open accounts. I again asked what for and she did not answer. I asked here to please send me a letter explaining the charges and that I am liable and she said that she would not do that but she could tell me over the phone how much I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with South west Credit systems on the phone. XXXX XXXX the representative asked if I lived on XXXX XXXX in the past or now and I said I have never lived on XXXX XXXX. Then she asked for my date of birth, ( which I was hesitant to give to her as this is what is wrong with this entire system ) Then she called me XXXX which is not even my name and then she indicated that they would look in to the issue and she would not tell me if it would be resolved or when It would be resolved. 

They do not have the correct name They do not have the correct date of birth They do not have the correct address and yet they still applied bad debt to my credit report. How does this happen???? 

Then they tell me that they will not tell me anything about the debt, or give me any other information?????
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account USAA FSB XXXX which has been deleted by XXXX and XXXX . XXXX  and XXXX  have both completed their research and determined that USAA FSB was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit rating for all three companies continuously shows delinquent charges even when XXXX XXXX & their  Mortgage company XXXX XXXX has formally submitted a mortgage condemnation 1099 to the IRS. All three credit reporting companies have not updated my credit rating since XX/XX/2020 even after being shown proof that the claims are fraudulent claims by XXXX XXXX & their Mortgage company XXXX XXXX. They have repeatedly denied any wrong doing and tell me how to repair my credit rating which I have tried but produce no results. The mortgage in question was an illegal mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. Here is a link to all the evidence. https : XXXX! XXXX? 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 : {$0.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  Date XXXX inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance {$550.00} ; XXXX XXXX XXXX Balance {$61.00} ; XXXX XXXX XXXX Balance {$2700.00} ; Original : XXXX Balance : {$33.00} ; XXXX XXXX of XXXX : XXXX ; XXXX XXXX  XXXX ; XXXX XX/XX/2022.
Product: Debt collection

i had a collection for {$860.00} for my Chasee Freedom ( jpmcb ) credit card that went to collections and it was charged off and went to my credit. in XXXX  i got a settlement offer via mail that i can settle it for less the balance for {$87.00}. so i accepted the offer and at the time i was in the process of repairing my credit with a reputable company called XXXX. My advisor from that company then told me to go ahead a accept the offer but at the same time write them a letter saying i would pay in exchange of deletion of my credit basically a pay to delete. the letter also said if they dont agree to the terms of deleting it from my credit for them not to cash my payment which was a money order. and if they did cash it they are agreeing to delete it from my credit. so in XX/XX/2020 i settled it and sent my letter certified. later my credit file was updated paid but the item wasn't removed. i then contacted Chase to see why was it still on my credit for them to inform me that they dont delete from credit and it had to stay on for 7 years. i argued with this company for almost 2 years now from the supervisors, managers and the credit dept and they all refused to delete and it didnt matter that they took my money after i asked not to if they weren't. i've also disputed with the bureaus and this is hindering me from a lot of things im trying to accomplish. i was mislead by them accepting my payment but not per my terms. im just trying to move on in my life and they are stopping me,
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit Profile has been damaged by XXXX XXXX with 2 incorrect and/or fraudulent late postings on my credit profile. I had a joint lease agreement with XXXX XXXX, the lease started on XX/XX/XXXX ( 3 year lease ), the vehicle was returned on XX/XX/XXXX and Mr. XXXX purchased a new vehicle, subsequently XXXX XXXX reported this account 30 days late for XX/XX/XXXX and 60 days late XX/XX/XXXX. This can not be possible when the vehicle was returned on XX/XX/XXXX paid in full at that time.
Product: Credit reporting or other personal consumer reports

I filled out a report with identity theft. Gov contacted XXXX about this matter numerous amount of times put fraud alert on my consumer report sent supporting documents but they refuse to actually investigate the matter accounts coming back verified and updated in 3 days were is a 30 day investigation should be done at this point I feel violated and my rights a being infringed upon i want all the disputed items removed from my credit file this has a financial burden on my livelihood and a mental desperation to actually be treated like this in the united state
Product: Debt collection

I had a credit card through capital one I had owed money to them and I went through my XXXX XXXX XXXX XXXX XXXX in XXXXXXXX XXXX  to do a debt consolidation loan. They sent Capital One a check which they took and I have proof of that. Capital one then sold the debt to XXXX XXXX XXXX XXXX XXXX XXXX who then sued me and won as I was not able to go to court. They are now garnishing my wages so now Im being forced to pay twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Certified Mail Receipt # : XXXX It whom it may concern, I agree to pay the following financial obligation regarding account numbers # : XXXX, XXXX, XXXX and which I might lawfully owe on one condition : Within 15 days of the date of this Conditional Acceptance sent certified mail receipt requested you deliver to me the following : Provide validation of the debt, that is, production of account and the general ledger statement. 
Verification of your claim against XXXX XXXX XXXX XXXX, that is, a signed Invoice. 
A copy of the Contract binding both XXXX AND XXXX XXXX XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' A statement admitting whether you are the holder in due course or whether you are a servicer. 
A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
The XXXX number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 

Please provide the above and If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301. 
Under US Code TITLE 15 > CHAPTER 41 XXXX SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. 

In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank you, XXXX XXXX : XXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I had requested for XXXX XXXX XXXX in XXXX which is handled by XXXX XXXX. To process my request they went ahead to do a background check which was done by Equifax Credit Information Service. 

On Sat, XX/XX/XXXX, XXXX the request was simply disapproved on the basis as stated- 'Unable to verify identity information '. All provided information was accurate and can be investigated further. 

Instead this was reported as derogatory public record in my name- hence affecting my credit score. Here, there was nothing derogatory about my fillings, payments, billing, or information provided. I would say the investigation was inadequate on the bank 's side and I am being punished for their inadequacy. 

I could have been reached out to verify information further. 

I would like the reporting to be rescinded.
Product: Debt collection

This unknown account was placed on my XXXX credit report. I have not received any correspondence in the mail nor by telephone about this debt/account.
Product: Debt collection

XXXX XXXX  received a REQUEST for debt validation signed. They failed to produce this documentation signed. Therefore the alleged account is now settled and closed. Concurrently they never responded with a debt validation letter with a signature or a true bill of indictment for the alleged bill. This account has been deemed usurious by Florida law below XXXX contracts defined. ( 1 ) All contracts for the payment of interest upon any loan, advance of money, line of credit, or forbearance to enforce the collection of any debt, or upon any obligation whatever, at a higher rate of interest than the equivalent of XXXX percent per annum simple interest are hereby declared usurious. However, if such loan, advance of money, line of credit, forbearance to enforce the collection of a debt, or obligation exceeds {$500000.00} in amount or value, then no contract to pay interest thereon is usurious unless the rate of interest exceeds the rate prescribed in s. 687.071. ( 2 ) As amended by chapter 79-592, Laws of Florida, chapter 79-274, Laws of Florida, which amended subsection ( 1 ) : ( a ) Shall apply only to loans, advances of credit, or lines of credit made on or subsequent to XX/XX/1979, and to loans, advances of credit, or lines of credit made prior to that date if the lender has the legal right to require full payment or to adjust or modify the interest rate, by renewal, assumption, reaffirmation, contract, or otherwise ; and ( b ) Shall not be construed as diminishing the force and effect of any laws applying to loans, advances of credit, or lines of credit, other than to those mentioned in paragraph ( a ), completed prior to XX/XX/1979.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 on the XXXX I paid my XXXX $ bill 2 days before the due date. It has still not reported to my credit score like the first payment. They reported my first payment in in XXXX and added it quickly to my credit report. Im not sure if I want to pay the XXXX $ pay on the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorized the companies listed in the photo to view my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/ 2018, XXXX XXXX XXXX XXXX has a charge off of XXXX dollars. I voluntarily return the vehicle and the Finance company ( XXXX XXXX XXXX XXXX ) did not appropriately and correctly process the return of the vehicle properly. I was not notified as to the status of the vehicle or my account, other than the full balance was charge off. I have not vehicle and I am still being responsible for that loan, which is unfair practices on behalf of XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XX/XX/2022 - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX - XX/XX/2022 - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report