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

I reviewed my Consumer Reports and noticed that I had XXXX ( XXXX ) late payments on an account that I was never late for. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. 

I have never been late on payments for the account : XXXXXXXX XXXX XXXXXXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks
Product: Payday loan, title loan, or personal loan

Ive taken loans out with Check Into Cash before and have not had issues until this most recent time. They were to take out about XXXX every other week, on my payday directly from my checking account. 

It ended up, the first couple payments were never taken from CIC and the funds were there, available. I then get a letter from CIC stating the loan has defaulted. I have NEVER defaulted with CIC. 

I called the XXXX number to the XXXX XXXX branch and spoke with staff there and I followed up on the letter to see what was going on. I also requested to speak with the branch manager and demanded any interest that has resulted from CIC failing to automatically take out the funds as agreed initially in writing, to be credited to the account. This is unethical, fraudulent practice and only benefits CIC. 
Also, they are supposed to the the money out of my checking account on the FRIDAYS I get paid, per the payment schedule noted in the loan documents and what was agreed to. 

The monies are not taken out until the next business day, which can be 4 days later if that Monday is a holiday. These are deceptive practices and will only result in increased interest. I want my loan audited, and credited any and all interest that was wrongly charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the validity of a collection company reporting incorrect information about me and causing harm to my consumer report. XXXX XXXX XXXX is reporting a collection that I owe a debt in the amount of {$1300.00} to their institution. I, XXXX XXXX , does not have any obligation and or contract with the SECURITY CREDIT SERVICES. The company forwarded a communication addressed to XXXX XXXX XXXX BUT REFERRED TO A XXXX XXXX. I DO NOT KNOW A XXXX XXXX. 

IN accordance with 15 USC 1692g ( b ) I am requesting the validation and verification of this alleged debt, in which you shall cease collection of.

Failure to honor the demands provided the required documentation for verification and validation of this alleged debt within 14 days of receipt of this notice shall ; a ) Be taken as tacit agreement to the claims set forth ; b ) Grant the consumer all demand remedies ; or c ) May result in litigation Pursuant to Title 15 USC 1692c ( c ), I dispute the ALLEGED DEBT and refuse to pay the ALLEGED debt. I demand per Title 15 USC 1692c ( c ). that you cease all further communication through ALL and ANY MEDIUM except for communication of remedy as the original creditor is demanding the following : 1. Zero out the balance of this account 2. Provide my name, a consumer and natural person, with the documentation showing the account was zeroed out vial certified mail 3. Cease and Desist reporting of the alleged debt collection activity to all consumer reporting agencies before and after this date ; XX/XX/2022. 
4. REMOVE ANY AND ALL REPORTING OF THE DEBT COLLECTION ACTIVITY FROM ALL CONSUMER REPORTING AGENCIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are unverifiable and a violation of my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have made multiple attempts to resolve this matter with this credit bureau. I have asked to provide me with any type of proof bearing my signature and they have failed to do so. Also, In accordance with the Fair Credit Reporting act. The List of accounts above have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

I went and had a background report for an apartment me done and they pulled information that is not mines like the people who used my name is listed as well as their addresses and I got denied for a place to live because of it. There was also a CFPB and FTC enforcement action against Transunion for its rental background check reports. This false report has cause a lot of damage to my lively hood when these people used my identity and information to get things and court dates as well. Better investigation into information that is provided. Those names are listed in my police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have to be right of privacy.

15 USC 1681 Section 604 A section 2i it also states a CondumeT reporting agency Can not furnish a account without my written instructions.

15 USC 1666B : A Creditor a payment On a credit card account under a open end consumer Credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My  XXXX  credit credit card account which was in good standing has been closed since    2011. I want it removed from my credit reports. When I applied for a credit card limit increase I was originally denied because of the  XXXX  credit card account on my credit reports even though it was closed since 2011.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the following Accounts have violated my rights : 1 ) XXXX XXXX Account # XXXX, amount {$520.00}, Date Opened XX/XX/2018 XXXX ) XXXX XXXX, Account # XXXX, amount {$61.00}, Date Opened XX/XX/2018 15 U.S.C. 1681 Section 602 A States that 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

On XX/XX/XXXX I submitted documentation ( FTC Identity Theft Report, Police Report, and Statement with clear identifiers ) that stated that XXXX XXXX XXXX account opened on XX/XX/XXXX with account number XXXX was opened by someone else that was not me due to Identity Theft. Transunion refuses to remove the account despite clear evidence booked by the XXXX XXXX Police Department stating that the account was opened due to Identity Theft. XXXX already removed the account from my report due to Identity theft. Transunion did not provide me with proof that the account was opened by me or any information as to why they will not remove the account, and therefore it should be removed by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I paid my loan completely off and even prior to paying them I received notification from XXXX that I was delinquent on my account which they said they did not submit any late payments on my account. On today which is XX/XX/XXXX, I received another notification from XXXX Republic finance has reported my balance increases and is late which caused my credit to fall from Good to Fair with a point deduction of XXXX points. this is the second time in 6 months that my credit dropped due to their practices. Additionally, I attempted to dispute this situation to XXXX on multiple occasions However, XXXX wouldn't allow me to dispute it saying that I have previously disputed this account and I am not allowed to dispute it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX am a consumer of the United States and i never gave XXXX nor XXXX XXXX ( partial account # XXXX ) and XXXX ( partial account # XXXX ) permission nor the right to report on my consumer report. The fact that these accounts are reporting on my consumer report with out any written permission is identity theft and a violation pursuant 15 USC 1681a ( 2 ) ( i ). These accounts and XXXX are harming my consumer reputation and worthiness pursuant 15 USC 1681 ( a ) ( 2 ) reporting late payments on my consumer report with out any consent making it hard for me to purchase a home for me and my children in these hard times with the pandemic going on. Attached to this complaint is proof of these companies reporting on my consumer report along with late payments, XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX.
Product: Credit reporting

On or about XXXX XXXX 2016 I applied for a loan ( mortgage ) from the XXXX XXXX XXXX XXXX ( XXXX ). 
After processing my loan application, XXXX notified me that Experian Credit Bureau had declared me deceased, and further action on my application is denied, until I personally cause Experian to correct this false report of my death. 
. In accordance with guidance at XXXX I sent Experian, via certified mail, USPSXXXX, a letter, enclosing a notarized statement, attesting to the fact I am alive and well. I asked for correction of the false information, promulgated by Experian, and the identification of the source of that information. Please note, of the XXXX reporting credit bureaus, Experian was the only XXXX reporting false information Experian signed for the letter XXXX XXXX, 2016. As of this date, XXXX XXXX 2016, I have received no reply from Experian. 
The false reporting by Experian, and their lack of response, now after approximately forty-nine days, has caused me great inconvenience, worry, and financial hardship, I have asked Experian to do only XXXX things ; correct the false information and furnish me the original source of the false information so I may take action at the source to correct the record. in this matter. 

Request action to correct Experian false reporting, Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Debt buyer, Piinnacle, continues to report an old, unverifiable debt to credit bureaus as a new negative. Bureaus wo n't investigate or change information. Pinnacle has an F rating at XXXX and is not accredited. Hundreds of similar complaints. Is your agency able to do anything about this company or the bureaus that report it incorrectly without investigating or is it just open season for those large companies?
Product: Credit reporting or other personal consumer reports

!!! THIS ACCOUNT IS ACTING AS A COLLECTIONS & CHARGE-OFF AT SAME TIME!!! 

XXXXXXXX XXXX Account # XXXX Date Opened : 2 DIFFERENT DATES OPENED ( INACCURATE ) The " Date Opened '' is reported as XX/XX/XXXXXXXX  on Transunion XXXX But XX/XX/XXXX on XXXX. This is very Inaccurate, there is no way this Account is 100 % Accurate with 2 Different Dates.

Date of Last Activity : 2 DIFFERENT DATES OF LAST ACTIVITY ( INACCURATE ) The " Date of Last Activity '' is reported as XX/XX/XXXX on Transunion, But XX/XX/XXXXXXXX  on XXXX. This is very Inaccurate, there is no way this Account is 100 % Accurate with 2 Different Dates. 

Dispute Status : ACCOUNT NOT DISPUTED ( INACCURATE ) Dispute Status Never changed even after 30 Days. 

Two-Year Payment History : DIFFERENT PAYMENT HISTORY ( INACCURATE & INCOMPLETE ) The absence of information for Transunion & XXXX in the " Two-Year Payment History '' section is Questionable and Inaccurate. If there have been payments or activities within the last two years, they should be accurately reported. 

!!! THIS ACCOUNT IS ACTING AS A COLLECTIONS & CHARGE-OFF AT SAME TIME!!! 
XXXXXXXX XXXX IS ACTING AS A CHARGE-OFF, BUT AT THE SAME TIME GAVE MY PRIVATE INFORMATION TO XXXX XXXX XXXX XXXX A COLLECTIONS AGENGY. THIS IS ILLEGAL I NEVER DID BUSINESS WITH NOR SIGNED A CONTRACT WITH XXXX XXXX XXXX.
Product: Debt collection

I settled the debt with XXXX XXXX Hospital through Works & Lentz for {$1400.00} which was paid on XXXX/XXXX/16. On XXXX/XXXX/16 I received a letter from the Oklahoma Insurance Department regarding my complaint against my insurance company at the time, XXXX. In that letter dated XXXX/XXXX/16 XXXX states that they have executed a letter of agreement with XXXX XXXX for payment of the claim. 

I contacted XXXX XXXX on XX/XX/XXXX to follow up and they stated that the claim was paid on XXXX/XXXX/16 in the amount of {$1500.00} and that I would have to contact Works & Lentz regarding the overpayment as the account is no longer with their office. 

I then contacted Works & Lentz on that same day, XXXX/XXXX/16 and spoke to XXXX who stated that my account has been XXXX out and that if a payment comes in they will have to issue the refund to me. She said that they had n't received a payment from XXXX XXXX yet. 

I called XXXX XXXX again on XXXX/XXXX/16 to find out when the payment was sent to Works & Lentz and was told by XXXX that the payment had been forwarded to Works & Lentz on XXXX/XXXX/16. I called Works & Lentz back and spoke to XXXX XXXX regarding the overpayment. She could n't find my account even after I provided the account number as if my account no longer existed. She said that she would send the information to management to review but that she could n't guarantee anyone would call me back. 

I am due a refund in the amount of {$1400.00} in a timely fashion but instead I am getting the run around from all involved.
Product: Credit card or prepaid card

In regards to account number XXXX, I had consulted XXXX builders on receiving their product but never went into a full agreement. The paper work and contract they provided does not contain MY signature. I never signed any paperwork or contracts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to TransUnion about unauthorized hard inquiries on my credit report on XX/XX/XXXX. The hard inquiries were not verified within 30 days and it was not deleted. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$960.00}, {$7300.00}, {$300.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- PERSONAL ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$960.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account. 

4. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$300.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Mortgage

I filed bankruptcy in 2012. The house was not included in the bankruptcy. I tried to explain to Bank of America that I paid all of my payments and the house was not included in the bankruptcy. Every time I tried to resolve this, they called me a bankrupt person and they took my house and wrote it off as a loss and put it on my credit report. I paid all of my payments and had never been late on a payment. I am enclosing all of my documents that show this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Account Number- XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Mortgage

Select Portfolio Services is my Morgage company. 
When covid hit, my 3 hair salons were shut down taking my family income to zero. I called SPS and they offered 3 months deferment, said we will figure this out. After those 90 days I received a bill that all the differed payments and current month was due. I called and said I could not pay all that now can we put on back end, no. SPS told me not to worry applied for Morgage assistance that I was a great canidate. I said ok and applied and got all the required documents in asap. SPS would come back weekly asking for more documents, usually something I add already given them or explained. They asked me 10 times how much of the company I owed, I had written it on p & l and documents and it's on tax return 9 times before that. It felt, they were trying to push it out till I was so far under water that I could not pay the back Morgage if the modification was denied. I was finally totally reviewed and was denied for modification or repayment last week. I did an appeal it was denied with in 24 hours, saying this account is not available for appeal on modification. My loam is not owned by fredimac of frannymay, it is a private investor who says no. I don't feel SPS worked on my modification in good faith.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and demand immediate action regarding the inaccurate reporting of a XXXX  on my credit report by credit bureaus. Despite repeated attempts to rectify this issue, the credit bureaus have failed to provide verifiable proof of the accuracy of this entry. According to information obtained from the court, they do not report XXXX  information to any credit agencies. Therefore, the credit bureaus ' assertion of accuracy lacks credibility and violates my consumer rights.
Product: Vehicle loan or lease

I purchased a car though XXXX XXXX and I found that the sold my car information to West Lake Porfloe and I just want to see my car payment information
Product: Debt collection

To whom it may concern, Thank you for taking the time to read my comments and concerns. I am currently a XXXX XXXX customer of over 15 years in total dating back to the account that this letter pertains to. 

I am reaching out to the CFPB in the hope that they may assist me in finally reaching a resolution to my unique situation. 

My previous account was sent to collections on XX/XX/XXXX because there was a dispute on my behalf of the total charges of {$1800.00}. I was willing to pay the total amount due at the time but naturally, I needed a more detailed explaination from a Representative explaining to me how the bill became so high.I didn't receive enough information to verify debt. After several months of back and forth with my Unresolved matter and unanswered questions the account was sent to collections without me being aware of this action taken against me. If I knew that XXXX was going to send the account to collections I would have just paid the entire amount reluctantly.I didn't receive notice of my right to dispute. Fast forward to XX/XX/XXXX, I was contacted by a Collection Agency ( Diversified Consultants ) that is hired by XXXX XXXX that said they represented you as theyre client and as long as I secured payment with them in the form of a settlement for the amount of {$750.00} that they would notify XXXX and that my debt would be settled and all negative remarks removed/deleted from my account and credit reporting. Sounds good right? So I pay and Im under the impression that all is well. Fast forward some more to XX/XX/XXXX Im currently in the process of refinancing my home Loan and have been going through the steps with my lender. To my surprise I was notified that I still have XXXX XXXX showing as a collection on my credit report from a couple of years ago. The report shows that the account in question has been settled for less than full payment and the account has a zero balance but it has not been deleted/continuing to report. 

After calling XXXX XXXX customer service representatives numerous times last week and spending hours explaining my story to several people I have been unable to get this resolved. I dont know what else to do and if Im not able to refinance my mortgage payment with my lender ( XXXX XXXX ) XXXX XXXX , I could be in jeopardy of losing my home entirely. I feel there has been inaccuracies with This credit reporting from the beginning and I cant stress enough how important it is to my Family that I be able to have this resolved. Please please reach out to me somehow so that we can discuss this further. 

I appreciate you so much for reading this as I know you must have more important things to attend to.
Product: Debt collection

Follow up the Complaint ID XXXX, XXXX I did call and email XXXX XXXX customer service, never get response. The issues for my kids health exam that my family doctor mistake the paperwork for blood test, that paperwork for adult exam. 
Asked my family doctor to fixed this issues, they dont take this responsibility, I am unable to contact XXXX XXXX as their customer service never answer, The debt shows my both kids, but the statements send to me, I dont like to pay family doctor mistakes and XXXX XXXX sell the debt to collection companies, right now I have received the Credit collection company statements. Reference number are XXXX, XXXX. I want to protect my credit. 
Please help and protect my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/XXXX ), TransUnion has violated the FCRA 30-day-to-respond to my disputes. The following items in question should be removed from my credit report. 

ACCOUNTS XXXX XXXX never late XXXX XXXX XXXX paid in full XXXX  XXXX never late INQUIRIES XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX