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

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of great concern related to what appears to be an ongoing and persistent issue of multiple attempts to remove fraudulent items from my credit report. Despite my previous efforts to rectify this situation, it is disconcerting to observe that unauthorized parties are making repeated and unauthorized attempts to alter my credit information. 

I wish to outline the following specific concerns : I have noticed and documented several instances where fraudulent items on my credit report have been subject to removal attempts without my authorization or validation. These unauthorized actions not only compromise the accuracy of my credit history but also raise serious questions about the security of my credit information. 

Despite the evident impact of these removal attempts, I have not been contacted by your agency for proper verification or authentication. The absence of thorough verification procedures is alarming and contributes to the ongoing vulnerability of my credit information. 

Given the persistent nature of these removal attempts, I am deeply concerned about the heightened risk of identity theft. I have taken immediate steps to secure my personal information, but I urgently request a comprehensive investigation to prevent further unauthorized alterations to my credit report. 

I formally request that your agency conducts an immediate and thorough investigation into these incidents. Additionally, I seek regular updates on the progress of the investigation, along with detailed information on any actions taken to prevent and rectify the unauthorized removal attempts on my credit report. 

To assist in your investigation, I have attached relevant documents. 

I understand the importance of maintaining the integrity and security of credit information, and I trust that your agency will treat this matter with the urgency it deserves. I kindly request a reference number for tracking purposes and confirmation of the receipt of this formal complaint. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Product: Credit reporting or other personal consumer reports

I have a collection account from XXXX on my credit that was placed on my report and background reports due to identity theft. I have filed 2 police reports so far as well as an identity.gov report. I have also sent a copy of the reports to Experian, but this still remains on my credit.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I contacted Transunion, XXXX, and XXXX via telephone raising the awareness that I did not received written consent by me acknowledging that they had any authorized; written consent to release any of my information to any third party agency. I called them direct to seek this consent in writing and they have no known acknowledgement of this request of sort.
Product: Mortgage

I have an impound account with my mortgage, Security National Mortgage Loan Servicing department. The loan servicer is not part of Security National. 
All money for my homeowner 's insurance had already been collected and was due by XX/XX/XXXX. 
On XX/XX/XXXX, I received a letter from the mortgage servicer, which read, " Our records show your hazard insurance is expiring, and we do not have evidence that you obtained new coverage ''. ( it had ALREADY expired by then because they didn't pay it and there was no " new '' coverage -- it was the same coverage ). 
On XX/XX/XXXX, I decided to switch to a new homeowners insurance company ( since the servicer for Security National Morgage had not paid the bill ). The policy went into effect that day. 
On XX/XX/XXXX, I received a letter from the servicer which indicated : " On XX/XX/XXXX, we called XXXX XXXX XXXX  XXXX XXXX XXXX in an attempt to obtain your homeowner 's insurance renewal policy information. We were unable to speak with a representative or leave a voicemail ''. So, they called a NATIONAL company days before the policy is due to pay, and no one answered the phone? Why did no one call me? 
I'm still receiving letters because " I did not have insurance from XX/XX/XXXX to XX/XX/XXXX, '' and they will be charging me " an estimated {$94.00} ''. Why did the loan servicer not pay the homeowners insurance we had already set up with the money they had ALREADY collected? At that point in time, it was the exact same policy as years before. Nothing had changed. If there was something they needed, why did no one reach out to me? Their decisions not to pay my homeowners insurance could have cost me extreme financial hardship had an insurance event happen during this time. They are trying to charge me for the day of XX/XX/XXXX, even though their correspondence shows that the new policy took place on XX/XX/XXXX. This is an apparent attempt to extort money, even though the loan servicer was already in control of my insurance premium and my insurer should have paid. The servicing company is still threatening to charge me. I have recently requested that they cancel my impound account for my insurance, as I feel they are incapable of doing their job and swindling unsuspecting customers. There was NO reason they could not have paid my prior insurer XXXX which was the insurer they already had on file ( same as the prior year ). If they desired some documentation they had no received, there is no reason they could not reach out to me directly and request it BEFORE the expiration.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I purchased a show car that only had XXXX miles on it from XXXX XXXX, XXXX XXXX, ( XXXX ) XXXX. The car started breaking down and when it did, I had only had it for a year. The XXXX broke after I received my free oil change from them, it was working fine when I pulled in the XXXX parking lot. I got it back it didn't work. I previously had a XXXX XXXX  in addition to the XXXX XXXX, and its XXXX was still working. I called and filed a complaint ; they couldn't help me unless I paid {$450.00} to them. I told them the car had a recall on the airbags and that's dangerous for me XXXX XXXX. They said I would still have to pay {$450.00} to have it checked out. So, I called the corporate office to see if they could help me get it fixed or place me in another car. They said to call the dealership back and tell them to help me. They still said I had to pay to get it checked out. And refused to put me in another car or fix the problem till I gave them money. Also, the baring 's on the wheels were worn out and I only had it for a year. They told me nothing was wrong with the car because it was a show car, and no one drove it, but it had XXXX miles when I bought it. They didn't help me, so I gave the car back, they reported the same car twice as repo on my credit report.
Product: Credit reporting or other personal consumer reports

Initial complaint # XXXX New complaint submitted to attached updated FTC Report Report was updated to include inquiry dates although dates are clearly listed on dispute letter. Initial report also did not include Equifax and XXXX, the two entities reporting incorrect information that has been identified as fraud. 

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

In XX/XX/2017, Experian unlawfully used my credit report without my permissible permission leading to the fraudulent and forged loan with XXXX XXXX XXXX XXXX listed in my credit report. Attached is the incomplete, undated, and forged application used to access my credit report. It was sent to me by XXXX XXXX XXXX XXXX as the document used to asscess my personal information. It was not to be processed by Experian but Experian allowed it. Also attached is the sheriffs report filed in XX/XX/2017 listing XXXX XXXX. Experian can blame whoever they want but remove XXXX XXXX XXXX XXXX from my report.
Product: Credit reporting or other personal consumer reports

There are accounts on my credit report that were opened without my consent or knowledge. I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX.On XX/XX/2020 I mailed off a copy of my ID and SSN Card and dispute for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Experian  XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX XXXX XXXX n/a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Transunion requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/2022 and to notify them that I am halfway of taking lawful action and litigating Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX XXXX Date Opened:XX/XX/XXXX Balance : $ XXXX Late Date XXXX
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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

I am writing to formally dispute the inaccurate information/issue reported in my credit file. The issue concerns are incorrect information and failure to update records. 
I believe this matter falls under Section 1681o of the Fair Credit Reporting Act ( FCRA ), which establishes civil liability for negligence when a consumer reporting agency or other entity fails to comply with the provisions of the FCRA.

Specifically, Section 1681o holds parties responsible when they negligently fail to ensure the accuracy and integrity of consumer information.

According to my records, I have made attempts to resolve this issue directly with your company, but have not received a timely or satisfactory response. I have also provided all necessary documentation to support my claim, but my concerns have not been addressed in a manner consistent with the requirements of the FCRA. 
As you may be aware, the FCRA mandates that all entities involved in the reporting, furnishing, or use of consumer information are responsible for ensuring that the information is accurate, complete, and up-to-date. Failure to do so constitutes negligence, and I request that you correct this matter immediately to comply with the FCRA.

Under Section 1681o, I am entitled to seek damages for any losses incurred due to this failure. I request that you resolve this dispute by [ date ], as failure to do so will leave me no choice but to pursue further legal remedies.

Please provide a written confirmation of the resolution of this dispute within the statutory time limits, and make the necessary corrections to my consumer file. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$400.00} XXXX XXXX XXXX XXXX Balance {$370.00} XXXX XXXX  XXXX Balance {$910.00XXXX XXXX XXXXXXXX Balance {$840.00} XXXX Inquired on XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

My discrepancy is with Capital One! This happened last night on the date of XX/XX/2023. I applied for a credit card with Capital One after seeing it suggested for recommending cards on XXXX XXXX XXXX. They promoted XXXX XXXX inquiries and it being just a soft pull but soon as I applied I received a bunch of emails about this specific company doing a hard inquiry on my credit which automatically dropped it several points. This is false advertising and negligence. This is not right. I would have never applied if they advertised the truth and said you must get hard inquiry for this
Product: Debt collection

I submitted my complaint, complaint # XXXX, on XX/XX/XXXX, please see attached, about Receivables Performance Management continuing to communicate with me indirectly about a DISPUTED debt through the medium of my consumer report which qualifies as a " collection of debt '' which is a violation 15 USC 1692g ( b ). [ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX ] Reporting a disputed, unverified debt to a CRA violates this [ XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX, XXXX ] On XX/XX/XXXX, at XXXX I received an encrypted email from persons claiming to be Receivables Performance Management, see attached. This looks suspicious and deceptive and I will not be opening up this email being that I do not know if it is a scam or something that can create a virus on my computer. 

I also received a letter in the mail from Receivables Performance Management of them attempting to " settle '' the account, see attached. The letter is dated XX/XX/XXXX, but I have proof that they in fact received my dispute on XX/XX/XXXX, see attached. This is yet another attempt by Receivables Performance Management to collect on a disputed debt which violates 15 USC 1692. 

I still have yet to receive any of the information that I have requested in my initial dispute, which is attached, in order to validate this debt. 

If Receivables Performance Management has all of the information that has been requested in my initial dispute, which is attached. Then they will have to send it to me either through the Consumer Financial Protection Bureau or by Mail.
Product: Prepaid card

I purchased an American express gift card at a XXXX for XXXX $ as a gift i checked the website and it stated the card is active and balance is XXXX $ when i attempted to purchase items from XXXX, XXXX and XXXX the error code stated the transaction was denied by the bank. 
I even attempted to add the card to my XXXX account and it still stated denied due to the bank. 
I contacted the American Express Gift card support number and was directed to a automated system which was no help as they did not give me a live representative and none of the options mentioned my issue. 
the card was purchased on XX/XX/year> and was attempted to be used on XX/XX/year> at around XXXX Est. 
None of the FAQ online on the Amex giftcard website were useful to my situation. 

I can provide card number and all details if needed.
Product: Bank account or service

Paid outsatnding balance at TD Bank for checking account # XXXX that was closed with an overdraft balance. Requested proof of payment to be emailed but was refused and told I could go to the branch. Went to branch and was given the wrong paperwork. Called back to TD Bank 's collection dept and was told to I should of requested an email when payment was first made ( which I did ) but now it was too late to receive an email confirmation of proof and I should return to bank and request a " settlement in full '' letter. I was also told that if I had any more issues I should have the branch contact the collection dept. I followed the instructions given and when the branch called the collection dept the collection dept told the rep at the branch I have to wait for it to be mailed to me. I am obviously getting the run around and all I want is this resollved. I have lost time from work and ca n't open a bank account until I show proof of payment of the outstanding balance that was owed to TD Bank. I have attached a copy of the amount that was debited from my bank account on XXXX XXXX to TD bank to settle the account
Product: Consumer Loan

I purchased a XXXX Hyundai Sonata to replace a total loss vehicle and when I was discussing the loan with the finance manager I specifically told him i was going to pay the loan off early and was there any fees or early pay off fees and he said " No ''. the paperwork and bank are showing a {$190.00} processing fee that i feel I should not have to pay when I originally had my own bank and they convinced me to go with their bank for the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEVERAL BANK PULL MY HARD INQUIRIES FROM ALL BUREAUS, XXXX XXXX, XXXX XXXX ETC.
Product: Debt collection

Late payment 15 USC 1681 ( 2xi ) 15 USC 1666b 12 FCT- CFRA 1026.13 Billing Error Resolution Collections : 15 USC 1692c.15 USC 1681 ( e ) b 15 USC 1692g Charge offs:15 USC 1635. 15 USC 1692 Evictions : 15 USC 1637 ( 2 ) 9 ) A 15 USC 1681.15 USC 1681e ( b 15 USC 1681s-2a Contact the bureaus and ask to get a thorough investigation. Due to me being a victim of identity theft, they completely ignore my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in prior disputes with XXXX, XXXX, and Equifax. They are failing to respond to my request by investigating my request within a timely manner as outlined in the FCRA section 611 ( a ) ( 1 ) subsections A, B, and C. They have no reason to assume the request was not from me considering all the information required to validate and initiate a request was included. I expect them to investigate and complete their investigation procedures within 30 days of my initial retrieval of my request as according to the Fair Credit Reporting Act section 611 ( a ) Reinvestigations of Disputed Information ; which requires them to conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date in which they received the notice of dispute from consumer. I expect to receive notice of any notice of determination within 30 business days after XX/XX/23 as outlined in the FCRA section 611 ( 3 ) ( A ).