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

aCCOUTN IN QUESTION : XXXX Transunion, XXXX and XXXX Are reporting in correct information regarding a balance on my XXXX credit acct. For the past four months i have called, written and files disputes in which they have all been closed stating nothing will be changes. 

When i opened the acct my initial amt on credit was XXXX I have never missed any payments and all three reports show paid on time each month but they never change the balance due according to what XXXX say they are reporting. 

XXXX has told me they report my balance and i need to take it uo with the credit bureaus. I sent ceritfied disputes at minimum i have copies of all of them and on the credit bureau sites you can see mulitple closed cases on this under disputes. 

MY BALANCE IS XXXX XXXX NO PAYMENT DUE UNTIL XX/XX/2023 100 % ON TIME PAYMENTS MADE EACH MONTH
Product: Credit reporting or other personal consumer reports

I am a known victim of identity theft. I have already reported this information to law enforcement, the credit bureaus as well as the creditos. I did the whole process right, and sent off letts with my IDs and the reports. It has been several months and I have heard NOTHING back except that XXXX corrected a few addresses the thieves used. Please can you assist XXXX with this mess? It is ruining my life!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy TransUnion continues to illegally report a bankruptcy on my consumer report. There is no such court XXXX XXXX Illinois which is inaccurate false misleading, this company refuses to provide me with proof/documentation and data furnisher. TransUnion also reporting inaccurate account XXXX  # XXXX as included in bankruptcy wage payment plan currently how is this possible if the illegally reporting bankruptcy was discharged by there reporting on XX/XX/2022. I have attached a letter from The United States Bankruptcy Court/ print out of pacer.us gov .courts with the actual correct court name an address. The court does not verify-validate any information with credit reporting agencies or credit monitoring services concerning bankruptcy, TransUnion continues to falsely state this information on my consumer credit report an yet to delete. Violations of my consumer rights 15 USC 1681b I didnt give my written instructions/permission 15 USC 1681e ( b ) Accuracy of report 15 USC 1681s-2 ( B ) ( A ) reporting of information after notice of errors an reporting with actual knowledge of errors 623 ( a ) ( XXXX ) Duty to provide notice of dispute
Product: Credit reporting

Hello, I recently disputed a lien on my credit file through the Direct Dispute portal via XXXX XXXX. 
Dispute was filed on XXXX XXXX 2016 and returned on XXXX XXXX 2016. With no investigation completed. This lien has been satisfied XXXX and has been removed from XXXX & XXXX I want this removed from my Transunion credit file asap. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any confirmation on how the company has validated the alleged account attached in Exhibit A reporting on my Consumer Report, which I refer to in a sworn affidavit testimony I sent to them. Therefore I request that you consider this a final notice to the offices. Past this point, the company is willfully Defamation my Character, Negligent Enablement of Identity Fraud, Fair Debt Collections Practices Act 15 USC 1692g violations, also Fair Credit Reporting Act 15 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 168in ]. The CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that they are reporting. ***** ( copied from the affidavit attached ) ******
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.

FRAUDULENT ACCOUNTS : Account Name : DEPTEDXXXX # XXXX Account Name : DEPTEDXXXX # XXXX Account Name : DEPTEDXXXX  # XXXX Account Name : DEPTEDXXXX XXXX XXXXXXXX Account Name : DEPTEDXXXX  # XXXX 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: Debt collection

Due to financial hardships, I decided to turn in a car I could no longer afford. The car was returned to the lending company and an agreement made to pay monthly payments in the amount of {$50.00}. A few months into the arrangement, I was asked to increase my payments. I refused because I did not want to agree to a payment I could not afford. Therefore I continued making payments until XX/XX/2019. In XXXX of XXXX the company stop accepting my payments. My online account was disabled and I was told by a collection representative that payments were no longer being accepted and they were pursuing another means of collecting the payment. I tried for several weeks to speak with a supervisor. I was talked to in a very unprofessional manner from several representatives to include the supervisor. I asked for statements and records of my account and was never sent that information. In XXXX I received an email from my HR department notifying me of a garnishment for this account. Days later I received a letter from the company about the garnishment. I attempted to appeal the decision and make several settlement offers but each offer was denied and countered with an amount not much less than the balance this company claim I owed. I've since attempted to offer a settlement but again was countered with an amount not much less than one of the balances this company has reported I owed. The amount the company says I owe is always higher than the amount reported to the credit bureau.
Product: Mortgage

Since Hurricane Irma the bank has not allowed me to make payments through the internet because they said they gave me three months without paying to help according to them, ( which did not help me in anything but quite the opposite ), but in this month I have to pay the full three months and I call the day XXXX of this month of XXXX, when I collect my pension, to pay everything and they transferred me to another Dept. where they left me waiting for an hour on the phone and they did not answer me. That same day I sent a check for the amount of {$3000.00} and today XX/XX/XXXX they had not received it according to them, I am worried that they will not charge me for late payment. I explained it to the person who attended me today and I answered that there are too many people who call and that is the reason that they did not attend to me. But I do not understand why they turned off payments online and they did not allow me to pay even if I called several times, because I was worried. I will appreciate your help greatly, I am an elderly person and this situation makes me very anxious and sick.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX should not be reporting to XXXX and Experian a chargeoff in the amount of {$1100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had XXXX  insurance at the time and the claim was paid in full. There is no outstanding balance due and therefore there is no collection/chargeoff to report. ( I have attached a copy of the check from XXXX for {$6100.00} dated XXXX along with a letter confirming the payment from XXXX XXXX dated XXXX. ) This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my consumers reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B 1. XXXX XXXX {$5700.00} 2. XXXX XXXX XXXX {$2800.00} 3. XXXX XXXX XXXX {$15000.00}
Product: Student loan

My student loans were previously being serviced by XXXX, but when I applied for the Public Service Loan Forgiveness they were immediately moved to FedLoan. My loans have now been with FedLoan for about 2 months and they are not showing any of my previous qualifying payments! Some of my loans should be ready to qualify for forgiveness now, but FedLoan says they don't know why my payments aren't showing. I have emailed them multiple times, asking for these corrections to be made but nothing is happening!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$170000.00} XXXX XXXX XXXX XXXX {$12000.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL XXXX XX/XX/2023
Product: Debt collection

Dear AshmerCollectionServices, I am writing to dispute the debt you claim I owe. I have no record of any contract or agreement with your agency. Please provide written validation of the debt, including proof that l owe this debt and that your agency is authorized to collect it. Please be aware that under the Fair Debt Collection Practices Act ( FDCPA ), a debt collecto can not make false or misleading statements, Failure to provide this information may constitute a violation of the FDCPA. Until you provide the requested validation, please cease all collection efforts. 
If this issue is not resolved, I will file a complaint with the Consumer Financial Protection Bureau and my state 's attorney general.i have given amshercollection service plenty of time and opportunity to provide me with the necessary documents, and they have failed to do so .i have no account number or anything to provide you with because I have no relations to this debt! And you clearly can not provide me with the requested information. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent multiple letters to the credit bureaus regarding inaccurate items on my credit report. Despite my efforts, my letters have been disregarded, and I have received responses stating that I am using a third party.Which is wrong I'm the one who send out letters here 's the list of accounts and inquiries i want to delete XXXX XXXX XXXX XXXX. XXXX, XXXX {$2100.00} XXXX XXXX. 
XX/XX/XXXX {$4500.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$270.00} XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX {$810.00} XXXX XXXX XXXX, XXXX {$720.00} XXXX  XXXX XXXX XXXX, XXXX {$800.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX. XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$630.00} 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 Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : 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 Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX For your review, I have attached my ID and the letters I previously sent.
Product: Credit card or prepaid card

I accidently transacted on a fake website on XX/XX/2020 for an amount of {$240.00} and I immediately called Citibank to let them not to process this transaction on XX/XX/2020. 

Initially, Citibank asked me to dispute the transaction and after multiple calls with Citibank, they refuse to reverse this transaction. I have sent a letter detailing out the scam as well but Citibank refused to reverse despite months of investigation. 

The fake website which I had accidently transacted did not send any confirmation of the transaction. The fake website did not send the goods which was purchased either. 

Citibank is not protecting its customers from such fraudulent transactions.
Product: Mortgage

XXXX ENGAGED IN UNFAIR PRACTICE AND PATTERN TO DENY US FAIRNESS AND JUSTICE. THE XXXX COMPANIES HAVE MADE SEVERAL FALSE STATEMENTS AND PATTERNS OF OBSTUCTUIN OF JUSTICE. : " INDENPENCE FORECLOSURES REVIEW '' AGREEMENT HAVE BEEN VIOLATED FOR ( {$10.00} ) ... XXXX AGENTXXXX XXXX PREPARED A BREACH AGREEMENT FOR XXXX XXXX, XXXX XXXX XXXX XXXX FHA XXXX XXXX WITH ' '' UNCLEAN HANDS '' AT 5.875000 % .FALSE AND MISLEADING. 
AGENT XXXX XXXX OF SELECT POTFOLIO SEVERING, INC. WERE EMPLOYED AS SEVER WITH " '' UNCLEAN HANDS '' '' THE CONTRACT IS " NULL AND VOID '' AND " MOOT '' .THE CONTRACT VIOLATES THE " GENERALLY ACCEPTED ACCOUNTING PRINCIPLES ( GAAP ) ,18 U.S.C.///926C , FEDEERAL CRIME VICTIMS RIGHTS ACT ( CVRA ) TITLE 18 U.S.C.//3771, MANDATORY VICTIMS RESTITUTION ACT ( MVRA ) 18 U.S.C.//3664 AND THE FEDERAL MONDATORY TO VICTIMS OF CERTAIN CRIMES : TITLE 18 U.S.C.//3663 ( A ) ..IN A SIGNED AGREEMENT WITH THE UNITED STATES OF AMERICA ( DOCKET XXXX ; XXXX AND NO : XXXX ... MAKING US A VICTIM UNDER THE ''DEBT PEONAGE '' AND ''INVOLUNTARY SERVITUDE '' ACTS.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, XXXX My reports are incorrect. Listing payoff accounts as a negative. My score is low although I pay my bills on time. Experian has an inquiry starting I applied for a mortgage Im unaware of. The thought when applying for a mortgage there shouldnt be a list of inquiries. Their apps will not let allow you to order your information. Theres no customer service in one company.
Product: Credit card or prepaid card

A fraudulent charge was made online on my Sams Club Mastercard. I was in possession of the credit card at the time the fraudulent charge was made. {$230.00} for a XXXX XXXX XXXX  XXXX delivered by USPS XX/XX/2019. I contacted the retailer on XX/XX/2019, which I received no reply to. I made a claim to Sams Card Mastercard, which was reopened many times. My identity was stolen ( reported to the police ) and affected two different cards along with the Sams Club Mastercard. Those two other credit card companies had no issue reimbursing me for the fraudulent charge.
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 XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

I do not believe that the debt that is reported on my credit report is valid. I have never been contacted about this, but it is on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out on 4/13 to cancel a credit monitoring trial I never signed up for. They claimed they had a credit card on file I never provided.
Product: Credit card

I was struck with financial insecurity in late XXXX  due to the coronavirus pandemic, I had a Capital one Quicksilver credit card active that was {$3600.00} ( {$600.00} over my credit limit ), so I reached out to Capital one who SEEMED happy to enroll me in a plan on XX/XX/XXXX to make XXXX {$220.00} payments which would bring my {$3600.00} account balance down to {$3000.00}, and also would cover my minimum payments for those two months. The important part is, I was told these terms MULTIPLE times by the rep over the phone. 

Fast forward to now, I held up my end of the offer, and after I completed the {$450.00} of payments, my account still rests at nearly the same {$3600.00} balance and according to the Account manager they dont offer plans with these terms and that I must have been lied to when I was enrolled. She also informed me There is absolutely NOTHING she can offer to fix it and my account will stay over the limit unless I pay it down ANOTHER {$500.00}. I asked if they can please pull the call logs from XX/XX/XXXX to review and figure out why I was enrolled in a plan making payments under false terms. The request was ignored.
Product: Credit card or prepaid card

I have an american express XXXX XXXX XXXX card that was promised an companion ticket that I could use for any domestic flight anywhere in the USA that XXXX XX/XX/XXXX. There was no disclosure on the advertising on what if any restrictions applied to this companion ticket. I called twice, my wife also called before we purchased this card and talked with different representatives of american express both times and they all stated that there would be no restrictions on the companion ticket as long as it was used in the continental USA. They also all stated that we would get a companion ticket the first year that we had the card, which after we paid the XXXX dollars they stated that oh no, we get that companion ticket our second year. I stayed for a second year because they had refused to refund my money, after another XXXX dollars they sent me my companion ticket which come to find out is riddled with restrictions. You can only fly certain " grades '' of flights which are around XX/XX/20 flights that they offer. Its a joke and I would like to get all my monies back that I paid for this ridiculous scam of a card.
Product: Vehicle loan or lease

XX/XX/XXXX date of loan, amount was {$8300.00}, XXXX  XXXX, CA location sold a vehicle to me that was rusted underneath, I reported to them multiple problems such as passenger door opening up while car in motion. XXXX  repossessed the vehicle from my residence, and when I spoke to XXXX my account manager, he explained there was " nothing more for me to worry about, '' but on my credit report it states, " legally paid in full for less than the full balance ''! This is causing my current credit report to have a " potentially negative '' mark on it. I need them to remove this so I can apply and retain a apartment. I am presently living in my car. I suffered a small XXXX in XX/XX/XXXX and I need to be able to use my name to get the apartment.
Product: Credit reporting or other personal consumer reports

I disputed XXXX XXXX  prepaid card reported opened XX/XX/2023. XXXX XXXX XXXX did not report the date closed for this prepaid debit card. XXXX reports this prepaid debit card as a secured credit card. XXXX does not report and original credit limit because the card is a prepaid debit card. Prepaid debit cards are secured credit cards. No security deposit was paid to XXXX to secure and credit limit and is reporting inaccurate information to the credit bureaus as a reporting subscriber. The previous investigation results are inaccurate and in violation of FCRA 15 USC 1681e ( b ) maximum possible accuracy, investigation results as updated, modified, verified or remains is not maximum possible accuracy of reported information, XXXX must report the date the account was closed, no info means that XXXX can not accurately verify the account.