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

I reached out to Transunion on XX/XX/2022 regarding accounts being reported incorrectly on my report. Transunion responded by sending me a letter stating they needed additional documentation to prove my identity. I mailed additional requested documentation to Transunion on XX/XX/2022 which included ID, Social Security Card, Current Bill and an updated copy of the letter. It has been 60 days and they have not responded to me. According to the FCRA laws if they have not responded in 30 days then the items must be deleted. I contacted Transunion by phone on XX/XX/2022 to ask that these items be deleted by law and they refused and insisted that I request another investigation. I DO NOT Authorize them to do any additional investigations regarding this complaint. I am demanding by law that they delete these items due to their FAILURE to respond. I have provided a copy of the letters along with returned date recieved confirmations. I DO NOT AUTHORIZE any additional investigation. BY LAW THIS MUST BE DELETED IMMEDIATELY! I intend to take legal action and will also contact the State Attorney General 's office! DELETE THESE ACCOUNTS
Product: Mortgage

They allowed me to default for XXXX months. Sent me paperwork stating everything was good and I had to make my first payment on XXXX. They evidently set up an automatic payment unbeknownst to me so they took that and I paid again on XXXX. Now its a double payment for {$1200.00}. They said it was emailed to me. No it wasnt. She said well its online in your account. What??!! Here we are XX/XX/13. I have spoken to XXXX different customer service people who started with saying Id have it back by XXXX. Yesterday another one said the account was closed so I should get my payment today. Today XXXX supervisor said it takes XXXX days no matter what and we have to wait for your money to settle. I said both have settled in my account. I have been- {$1100.00} since XXXX. They wont help me and keep saying the money will be there tomorrow, tomorrow. I have XXXX children and no credit cards. So Ive had no money since XXXX. Please help me. The last woman I spoke with wouldnt put a supervisor on the phone or give me the name of the one she spoke with. XXXX not asking for both payments back. Only XXXX. I dont know what else to do. This is with Midland Mortgage Company.
Product: Debt collection

Good morning, The problem is that something is showing on my credit report as a collection/derogatory, but it does not show me what I owe, so I called LJ Ross and asked them and answer was I owned nothing, but I need it off my credit report but credit bureau wo n't remove it ... Please advise.. Name of the company is LJ Ross, address is XXXX XXXX XXXX, XXXX MI. XXXX, # XXXX, regarding XXXX XXXX, account XXXX, date on credit report is XX/XX/2013.
Product: Credit reporting, credit repair services, or other personal consumer reports

using my personal information did not apply for anything with them please take me off your opt out list do not pull credit FCRA violation misuse of my credit information found the report on XXXX
Product: Credit reporting or other personal consumer reports

Comenity Account number ending in XXXX XXXX XXXX XXXX, OH XXXX My XXXX account was transferred from XXXX XXXX to Comenity Bank last year. Prior to the transfer I submitted a payment to XXXX XXXX which was evidently not transferred to XXXX. I was unaware that the payment had not transferred until I received something from XXXX. I tried on several occasions to make the payment with Comenity, but their system was not operating correctly, and every telephone call was either dropped or disconnected. Consequently, XXXX reported that my account was late in XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/21 I mailed a dispute letter regarding inaccurate/unknown items on my consumer report. To this day I have not received a response. i feel my dispute has been ignored. Section 611 ( a ) plainly states that a fairly to investigate these items within 30 days gives a reason to immediately remove those items from my report. i demand these accounts be removed immediately or I will file for litigation due to the stress caused by inaccurate reporting. My info was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

I am trying to use a product called XXXX to analyze my budget and spending habits, but XXXX XXXX does not allow this app to access the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX,2017 XXXX and XXXX on XXXX 2017 this bank pulled my credit without me authorizing them to do so.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business, XXXX XXXX and I'm only a XXXX  since XX/XX/2021. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes because it is my only one source of income. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.
Product: Consumer Loan

XXXX 2008 I was forced to return my car to Porsche financial. Per CA statutory law, Porsche was then required to 1 ) give me notice and the ability to reinstate my loan, 2 ) give me the address of the auction. Porsche did not do any of the required items necessary to collect a deficiency balance. I have disputed the collection of the deficiency balance for three years. I have sent Porsche and all three credit reporting agencies a dispute asking specifically for a copy of all notices sent to me regarding the loan and repossession. Porsche has not sent me copies of any of the statutorily required notices that they had to send me before they could legally collect a deficiency balance. 
Finally I received a statement from XXXX where the history was removed, yet, they still continue to report a balance that is not accurate.
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 willfully 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, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not remove fraudulent charge offs on my credit report which I have provided evidence as well as disputed over 4 times each in writing for the same creditors. One of the creditors ( XXXX XXXX dealer services even provided me documentation stating their mistake which I submitted in dispute but expierian still has not removed account from file. On a dispute with XXXX XXXX, I expressed fraud 4 times in writing with certified mail and experian just continues to update file with no changes. During the submission period they break t he law my taking usually 45 days and not once sent me any s documentation from creditors showing evidence of validity
Product: Credit reporting or other personal consumer reports

I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said account.

Account payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Mortgage

I closed on a Mortgage in XXXX of 2015. 
I had questions/concerns about charges on the HUD1 but I was told that a particular charge was a CREDIT to me and NOT a charge. 

After closing I discovered that the closing agent lied to me and yes these were charges instead of a credit to me. I was overcharged and this also caused my mortgage payments to be higher and long term paying more interest on the loan. 
This will also be reported OCC and Dept. of Justice as this may be a common practice by this company. 

I was cheated and I suspect many other consumers were as well Please see the certified letter that I sent to the company WITH NO REPLY and in the phone call months before I sent the letter the same lie was told to me Please see a copy of the letter that I sent to Global American Title and a copy of the HUD1 Settlement Statement that was given to me.
Product: Money transfer, virtual currency, or money service

I have a severing business accounts in which I hav utilized Square Inc to process transactions. On last year, My account was deactivated. I am unsure of the reason. I accepted the termination of services as the business is no longer active at this time. I has a balance of {$450.00} in the Square account at the itme of deactivation. I was told it would need to sit for 90 days before being transferred to my linked checking account. I have contacted the office several times only to be told that my case needs to be appealed and my funds will be raleased after someone calls me. I just need those funds transferred. They are still being held in a deactivated account. Its been closed since XX/XX/year>.
Product: Debt collection

BULLCITY FINANCIAL SOLUTIONS ACCOUNT XXXX BALANCE : XXXX THIS COMPANY IS IN DIRECT VIOLATION OF 15 U.S. Code 1692e AND MANY MORE. Bull city financial has failed to complete my request and afterwards is giving me false information in connection with a debt that is not owed because debt was cancelled through irs form 1099c and written off and is taxable income so how can a debt be income? This is proof of false and misleading. Also my debt validation request still has not Ben completed due to the fact of the response I received in correspondence to my validation request and it lacked all relevant information for validity of such alleged debt, such as a copy of the original contract with my signature for the debt, a full payment history from the original creditor, the name and address of original creditor and the proof that they own or have Ben assigned the debt to collect. I AM NOT REQUESTING A REINVESTIGATION! I AM DEMANDING REMOVAL OF ITEMS DAMAGING MY CONSUMER REPORT AND BEING FALSELY REPORTED INACCURATELY WHICH IS ALSO A VIOLATION.
Product: Money transfer, virtual currency, or money service

I attempted to pay hundreds of dollars to this company assuming that they were going to help me with my students loans and when i attempt to contact the company the contact information was not reachable.
Product: Credit card

Review the attached documents. I request the bureau to initiate an investigation into these accounts where I am consistently on time, despite being reported as late.
Product: Credit reporting or other personal consumer reports

I need the following identity theft items removed from my credit report. 


Name XXXX XXXX That is not my name. 

Address XXXX XXXX XXXX XXXX SC XXXX I have never been affiliated with any of those names or addresses. I have attached the drivers license, utility bill and the ftc report relating to those items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have included an attached letter explaining the issue, I have disputed over and over to get these issues fixed and my last steep is to bring my attorney into this cause I have all the information showing what XXXX is reporting is incorrect and each time i Dispute nothing is resolved. Im not sure but maybe its all automated and this is causing XXXX to not see the issue. 

XXXX Opened XX/XX/XXXX then went 90 Days Late Charged Off XX/XX/XXXX Paid to Collector who had the account XX/XX/XXXX Report showing its been Charged-Off 3 different months instead of just XX/XX/XXXX Date of First Delinquency XX/XX/XXXX ( Correct ) Date of Major Delinquency was XX/XX/XXXX as XXXX XX/XX/XXXX then when I Disputed the Charge-Offs XX/XX/XXXX the date was changed to XX/XX/XXXX for the Date of Major causing FICO to drop my score XXXX points showing me less than 60 days late when it was over 4 years all cause they changed the " Date of Major '' from XX/XX/XXXX to XX/XX/XXXX when it was Paid in Full XX/XX/XXXX ... Make sense???? 
I have included all the Documents... 
PLEASE HELP... I cant get XXXX to respond or act upon any of this ..XXXX XXXX has them as being removed do to issues just like this...
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputes to company on XX/XX/2020 and still haven't received a response. The information being reported is damaging my credit. I feel like Im being looked over and it is really affecting me. Please intercede to have the incorrect items updated. I don't know if this is a result of me being affected by the XXXX  breach but I can't wait until this is over. 
Thank you for your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

Lenders would not communicate for a refinance of the vehicle and selling of a vehicle. ally auto lender Reported late on payment of loan when the car was already sold. Needs to be corrected on my credit report because its false information
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document that are unknown to me and I am not agree with this. Based on FCRA, Section 605b, It is the responsibility of the Credit Bureaus to remove those informations which do not belongs to the owner. The following items are such an error in my file that needs to be remove : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX ; Dept Of Ed/XXXX  XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$1900.00} ; Dept Of EdXXXX XXXX Balance {$0.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$1900.00} ; Dept Of XXXX XXXX Balance {$0.00} ; Dept Of Ed/Nelnet XXXX Balance {$0.00} XXXX
Product: Debt collection

I noticed a charge that was debited out of my bank from Preferred Lease in XXXX, TX. someone had purchased furniture TWICE in XXXX, IL. I put a stop payment on both charges and I also filed a dispute through XXXX I received notification from XXXX that the account " the account belongs to me ''. I live in XXXX, NC, where I've been ALL my life. I have tried to contact Preferred Lease numerous time and the information they provided was erroneous. I need this XXXX charge OFF of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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

There are two debts on my credit reports from XXXX XXXX XXXX. One is for a XXXX XXXX  specialist for {$2000.00} and the other is for a XXXX for {$100.00}. Neither of these debts are mine - I am in excellent health and have been to neither of these doctors. Ever. I have disputed them many times with XXXX and XXXX ( they are not on my XXXX report ) and they always come back saying that XXXX XXXX XXXX verified that the debts are mine. So, I sent a certified letter to XXXX XXXX XXXX requesting that they either offer proof that the debts are mine or remove them from my credit reports and gave them 30 days to do so. Their 30 days were up on XX/XX/XXXX/17 and I did not receive a response, nor have I received one since. I then disputed the debts with XXXX and XXXX, explaining that I had sent a certified letter to XXXX XXXX XXXX and had not received a response within 30 days. I just received a response from XXXX stating that XXXX XXXX XXXX verified that the debts are indeed mine. No, they are not mine. They had 30 days to prove it, they did not, the debts are not mine, they need to be removed from my credit reports and XXXX XXXX XXXX needs to be punished for not following the law.
Product: Credit card or prepaid card

On XX/XX/ I wrote a letter stating, I missed my payment because I recently lost my father and have to assist with funeral cost and other financial burdens.I asked if my payments could be reduced for the next 2 months on my debt starting XX/XX/. 
Also stating I am not able to meet the current payment of $ XXXX.But I  will pay you {$50.00} per month. I requested that my account not be placed with a collection agency and withholding interest on my debt.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, i was thinking about using this service to boost my credit, filled out the form online but didn't submit it. XX/XX/XXXX, I contacted XXXX XXXX XXXX, TO INFORM THEM that i never submitted my information and that, i never used the credit line, and that they have me with negative remarks, and collections, and that they need to remove this off my credit report, they agreeded to remove it. Now I have negative remarks for late payments, which i never made, and it is a writeoff which I never used or gave concent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was closed by me due to inaccurate fees charged to my account. 
Around 2008 they began to report inaccurate debt to credit bureau yet even after my desputes they continue to report the account. 
This account is well over XXXX years old. 
How can they continue to publish this a derogatory account? 
Can you Please assist me with this?

Thankyou
Product: Debt collection

This company is harassing me and trying to force me to pay a old debt that has been paid off
Product: Credit reporting, credit repair services, or other personal consumer reports

the following inquiries and dates are unauthorized and I don't recognize where they came from : XXXX XX/XX/XXXX XX/XX/XXXX XXXX Banks - non specific XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing Company XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific
Product: Credit card or prepaid card

Made a purchase @ XXXX XXXX XXXX XXXX 's in 2012. Wanted to pay cash but was talked into by the sales person to take an 18 month promotion that I could pay off before the promotion ended and would n't be charged any interest. 

I had the monthly payments automatically withdrawn from my checking account. It was my understanding that the monthly payments would pay off my purchase in the 18 months. Was never advised that my promotion ended and the interest would accrue@26.99 %. My total for the 2 purchases was {$2600.00}. Have n't made any purchases since then and my balance is now  {$5700.00}. This includes all the interest for the promotional 18 months period and interest on the interest. 

I 've paid approximately {$170.00} per month from my checking account for the last 5 years. I never received paper statements and did n't realize I still owed them money until I received an email that my credit line was increased. When I called customer service they explained to me what happened. I assumed I was paying for insurance on my purchase and never questioned the charges. When asked if I could pay a settlement amount that was less then the balance, I was told no. 

I 'm beside myself at the moment. I 'm a single mother and take care of my sick mother full time. I ca n't understand how a company could take advantage of me like this.
Product: Credit reporting or other personal consumer reports

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 and crimes which antedates the report by 7 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 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 XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency cant furnish an account without my written instruction.
Product: Credit card

I have pulled my credit report, and found several credit cards open with my social security number at the age of XXXX XXXX XXXX XXXX XXXX I have not reached out to the credit bureaus working on that now and try and get a freeze on my credit report. I would like for all three credit bureaus have this information. 

XXXX XXXX opened XX/XX/XXXX {$930.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$890.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXXXXXX XXXX  opened XX/XX/XXXX {$2700.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX opened XX/XX/XXXX {$1900.00} XXXX XXXX opened XX/XX/XXXX {$1400.00} XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX {$670.00} XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX {$2300.00} XXXXXXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX {$630.00} XXXX. XXXX XXXX XXXX opened XX/XX/XXXX {$890.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX {$1100.00}