23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

XXXX XXXX XXXX  The services I paid for around XXXX was not granted. every time I spoke to a representative, they said that I had to contact the credit bureau myself to dispute/ negotiate my credit issues. I question that since I was paying them to repair/fix my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX who is a natural person/ consumer is a victim of identity theft and the accounts and inquiries I need deleted from my consumer report are listed in the report. I already tried to resolve this problem on numerous occasions ; however nothing has been resolved! Pursuant 15 USC 1681, the consumer reporting agencies has failed to perform its vital role in regards to exercising its grave responsibilities with fairness, impartiality, with a respect to the consumers right to privacy and accurately reporting information on my consumer report. Furthermore, pursuant 15 use 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instruction with the consumer in whom it relates! I XXXX XXXX AS THE CONSUMER HAS NEVER GIVEN ANY CONSENT FOR THE CONSUMER REPORTING AGENCIES TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! NO CONSENT IS IDENTITY THEFT!! Their failure to follow reasonable procedures has damaged my credit worthiness, ruined my reputation, caused me to lose out on buying a home for my child which has caused us great stress and XXXX.
Product: Debt collection

Voice mail left using pseudo legal terms to imply that they are taking legal action. ( image of voice mail transcript attached. ) Also claiming to send a " courier '' to my place of employment clearly as a threat to cause embarrassment. 

The left the voice mail on my cellular phone without having permission to contact me via cell. 

I called them back and they refused to provide any information regarding this " debt. ''
Product: Vehicle loan or lease

Paid a down payment, traded in a used suv. Wasnt offered insurance an the definition an purpose of finance charge. My car was crashed while parked an the drivers insurance refuse to pay for damages
Product: Credit card or prepaid card

Synchrony Financial Care credit card has charged me late fee for 12 months. Synchrony financial Care credit charged {$38.00} every month for 12 consecutive months. Since I make weekly payments ( not monthly ), the last payment was outside of the due date ( XX/XX/XXXX ). The company put the last payment ( considered late payment ) cleared on the XXXX to XX/XX/XXXXof each month onto the said month instead of applying the last payment to the next month. The company then charged late fee {$38.00} EVERY MONTH from XX/XX/XXXX to XX/XX/XXXX by repeating the same tactic. No call or correspondence to warn me of late fees. 

But the abuse was that each month they charged late fee then kept the last payment which is usually after the XXXX of each month instead of applying to the next month. 

The total late fees charged was approximately {$420.00} for the last 12 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few items reporting on my credit report that does not belong to me. Please remove the following items from my credit file. I have since contacted an attorney because XXXX  and Experian has failed to respond to my dispute and it has been more that 90 days since I disputed the following items. 

XXXX XXXX  - Bal : {$0.00} ( XXXX  Only ) XXXX XXXX - {$1100.00} ( Experian & XXXX )
Product: Credit card

I have requested a full printout of all transactions several times and they have not mailed them to me. It is a US bank account through XXXX grocery store. The transaction was made after I destroyed and disposed of the card and no contact was made in efforts to alert me of an unpaid transaction until over a year later. I am not going to pay anything unless they can provide full printed out undeniable proof that I made the transaction. Current total for the accused transaction is {$620.00}
Product: Credit card or prepaid card

Completely ignored the fact that I was double charged on the same transaction and then they stole the refund from the merchant as if that was a fix for the double charge when it was actually a refund for the returned merchandise!!! They have nobody clearly working in the company who can do the math or see that I was double charged and the refund has nothing to do with them fixing double charge, but it is for the returned item!!! For the whole year they are not even able to read or do the correct math except trying to steal the money from me!!! Double charged for the same transaction, let them know XXXX times, disputed and all, but they continue to ignore it and stole my refund which the merchant provided for the returned item!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear , XXXX  XXXX XXXX dept Im wrighting in regards to a closed account on my credit report that is inaccurate information Does your company report to the credit bureaus if yes I would like for your company to show it up In Terms and conditions I was never late on this accojnt and over paid XXXX I would like my money reimbursed to be in full and account late payments removed the accojnt is paid in full and over paid XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already reached out to Grain already on multi occasions. On XX/XX/2021 I told them that they do not have consent to report to my consumer report. They are in violation of FCRA. I already sent them a affidavit as well. And have called and emailed them. They stop reporting one month and then put the account and payment history back on my consumer report. Talked to agent and they said they will stop reporting to my consumer report because I have not given then consent. Consumer reporting is optional under federal law. Grain is taking advantage of me and benefitting from me. I am demanding that they stop reporting to the consumer report. 

They are violating FCRA 15 U.S.C 1681a section ( b ) I have the right to authorize exclusion any information or credit given to me as the consumer from being reported ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX-XXXX hard inquiry XX/XX/XXXX-XXXX hard inquiry Both are on my report, having been told they will be there for 2 years when it wasn't me, I was a victim of idenity theft though no balance ever occured, no loss of funds were obsessed by me, therefore was told by my local police Department no report was required.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU BROKE THE LAW!! 


To whom this may concern, I XXXX XXXX Attempted to do business with your agency unfortunately your agency was not able to accept doing business with me because of them violating my consumer rights! Due to insufficient credit history as well as lack of funds to make a down payment as you are well aware youve broke the law & discriminated against me due to the reports you pulled from third party agencies Let me explain to you.. 15 usc 1681 ( a ) ( c ) ( i ) following 15 usc 1681 ( XXXX ) ( b ) Youve committed FRAUD following 15 usc 1692 ( a ) ( i ) Pursuant to 1681 ( g ) ( h ) Disclosure to consumers, following 15 usc 1681 ( m ) Duties of users taking ADVERSE ACTION Following 15 usc 1611 Criminal liability 15 usc 1681 ( a ) ( XXXX ) Authorization or Approval of a specific Extension of Credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, When you ran my credit there was a finance charge involved and which ever agency in charge got paid but i was still denied & still with out a vehicle so with me explaining how you have violated me as a federal protected consumer! As my right Following 15 usc 1635 I wish to rescind on any & all contracts! 

I DEMAND YOU TAKE ACCOUNTABILITY FOR YOUR ACTIONS!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that continued requests for removal of items that do not belong to me are still entered as accounts on my credit report. Negatively affecting my credit/life. You also have incorrect names and variations listed, which is not normal. This is an immediate request for removal and blockage of incorrect and mis-represented information. 
It seems that a new account not belonging to me is appearing every few days.

There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is unacceptable! Please remove the incorrect information immediately from my file.

I have not placed requested for credit and my account has zero inquiries. Id like to know how your company has added credit accounts to my report that do not belong to me.
Product: Credit reporting or other personal consumer reports

I have reached out to Transunion, Experian, and Equifax to fix the billing inaccuracies on this account. The payments has always been made on time. I am reaching out for the late payments to be removed. This account ( XXXX XXXX - XXXX ) is reported on my consumer XXXX credit report wrong. 

Under the FCRA, 15 USC 1681i - Procedure in case of disputed accuracy If the information can not be verified, it must be deleted or corrected.
Product: Credit reporting or other personal consumer reports

I am still fighting the same problem with this company a year later. In XXXX I submit a complaint regarding Equifax providing me with false information regarding not XXXX but XXXX bankruptcies listed on my credit report. 

Still since XXXX of XXXX, I have been calling in to Equifax asking to see the results and methods of verification taken regarding he XXXX bankruptcies listed on my report. I have spoken to over XXXX dozen representatives who all have given me the same response. 

I have heard statements such as : " Your case has been elevated, '' " A supervisor will contact you, '' " The investigation is almost complete, '' etc. 

On XXXX call I sat for over an hour waiting for a supervisor to come to the phone and noone every did. 

I have provided Equifax with copies of certified mail receipts, copies of letters from the bankruptcy court, copies of letters from XXXX XXXX, etc. I initially disputed multiple bankruptcies that are listed on my credit reports. The initial result from Equifax was that the source of the information XXXX XXXX XXXX verified the information. I then questioned the representative and asked how quickly they were able to verify the account and the representative gave the same response that I would receive a letter within seven to ten business days. I received a letter from the official courts signed by an official clerk of the court that the courthouse does not verify the information and I was advised to contact the credit reporting agencies myself. 


Currently, when I log into Equifax through the online website and pull up my credit report, the bankruptcies are still showing and the option to investigate is not available as there is an error message that disputes are unavailable. 

I am not even able to upload the electronic copies of the documents that I have mailed in on multiple occasions. On every other investigation that has occurred after the initial request, the message investigation in progress is showing next to both bankruptcies. The most recent credit report is for the month of XX/XX/XXXX. I have not received anything from Equifax showing a completion for this investigation and it is now the month of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) I resumed my mortgage payments after being on forbearance due to temporary loss of income from the covid-19 lock down. I applied for and received the FHA National Emergency Standalone Partial Claim. After receiving a credit alert, I see this has been reported to the credit bureau as " Loan modified but not under a federal government plan ''. This is not true, it was a federal government plan, it should not be reported to the credit bureaus. 

2 ) I began making payments to this company in XX/XX/XXXX after my mortgage was sold to them. I have not missed one payment, other than while on forbearance. When I went off of forbearance in XXXX, they did not allow me to make a payment in XXXX because the paperwork for the stand alone needed to be completed first, and they did not penalize me or attempt to collect the month of XXXX. Now I see they have reported a missing payment for XX/XX/XXXX on my credit report. 

I have attached a copy of the letter sent to me that shows I was granted the FHA National Emergency Standalone Partial Claim, as well as a screen shot of my XXXX credit report showing the missing payment and incorrect loan modification report.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Account # XXXX has Violated my rights. 15 U.S.C 1681 Section 604 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: Debt collection

We have tried to reason with XXXX XXXX XXXX, XXXX several times by phone and written communication. XXXX refused to close our account with them saying our phones would no longer receive calls or make outgoing calls. We informed them our number was no longer registered with them as we had another service provider. 
Please find documentation of the transfer and closing attempts we made with this company to transfer our telephone lines to a new company. We made phone calls and we were threatened by this company in an effort on their part to intimidate us into continuing with them. We learned from our new telephone provider that we cant cancel the IP address even though we tried. It must be cancelled by the new telephone provider. The new provider obviously did that on XX/XX/2020 as phone calls were coming from their IP address from that day forward. We cant have two telephone companies providing the same service on the same lines. 
We have made every attempt to convince XXXX XXXX XXXX, XXXX that we didnt need their service after XX/XX/2020. We paid for all services up to and through that billing date. They have not provided our telephone service therefore we do not owe them any money. We have tried to communicate that to XXXX XXXX XXXX XXXX but they continue to bill us first through our credit card company, which we finally had to close and the through billing and now through Credit Collection Services. Attached is our phone log with their number when we first contracted them and subsequent phone calls. We also called on a cell phone at a later date to demand the closing of the account. At that time they insisted we keep it open until they investigated further. They just kept billing us through our credit card company. We contracted our credit card company to complain and eventually had to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICED SOME INCONSISTENCIES ON MY CREDIT REPORT. THIS IS DAMAGING MY CREDIT SCORE AND NEEDS TO BE LOOKED AT IMMEDIATELY. PLEASESEE ITEM LISTED BELOW. 

ACCOUNT NAME : CREDIT FIRST N/A ACCOUNT NUMBER : XXXX YOU'RE REPORTING A LATE PAYMENT ON MY CREDIT REPORT YET THE CREDITOR ( CREDIT FIRST N/A ) SAYS THEY RESET THE ACCOUNT AND THERE IS NO LATE PAYMENTS SHOWING ON THEIR SIDE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked several times for the fraud alert to be removed from my XXXX, Transunion, and XXXX credit reports. These companies placed fraud alerts and personal statementsnon my credit reports with out my permission. I NEVER ASKED THESE COMPANIES TO PLACE FRAUD ALERTS ON My CREDIT REPORTS. Please remove ALL FRAUD ALERTS from XXXX, XXXX and TRANSUNION. I also need to make sure my address is current. The only address and contact infomration that should be on my credit report are below. I have 2 phone numbers. REMOVE ALL PERSONAL STATEMENTS FROM MY XXXX, XXXX and TRANSUNION reports. THE ONLY ADDRESS AND PHONE NUMBERS I HAVE ARE BELOW. I have asked so many times over and over and over for this to be updated. Its getting really fustrating. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Mortgage

DEAR MR. COOPER / NATIONSTAR ; I was shocked when I reviewed my credit report and found late paymentS on the dates below : XXXX, XXXX, XXXX AND XX/XX/2023. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, and being XXXX  with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A security freeze was placed on my XXXX report on XX/XX/2020. I also placed a freeze on my XXXX XXXX XXXX XXXX report on XX/XX/2020. I do have verification for these freezes if needed. XXXX has continued to verify personal information reporting to my credit report post-freeze. I have letters from XXXX  ( XX/XX/2020 ), TransUnion ( XX/XX/2020 ), and XXXX  ( XX/XX/2020 ) stating that public records on my report were verified using XXXX. I received a letter from the courthouse stating that they do not sell or report public records concerning bankruptcy filings to any third party agencies or credit bureaus. The reporting from the three major bureaus do not match one another as they are required to. I have disputed the inaccuracy of the reporting and nothing has changed. The court names are incorrect, the filing dates do not match and they are incorrect, the reference numbers are all different. I have disputed this information with XXXX, TransUnion and XXXX  multiple times and the information comes back verified each time with the same response : " obtained through a third party vendor XXXX XXXX XXXX XXXX XXXX ''. I know that the law states that the bureaus are required to report all accurate information on consumer reports, and that has not been the case for me. I am aware that data obtained for a consumer report must be validated through the original furnisher and the original furnisher stated in writing that they do not share info with 3rd parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this inaccurate public record on my consumer file WITH supporting documents from the source they " verified '' their information through, XXXX. XXXX has deemed the account to be unverifiable and therefore has deleted the file from my XXXX file. Months later, TransUnion continues to state that they have verified the account with XXXX as accurate. However, XXXX has repeatedly stated ( verbally and IN WRITING / these documents have also been forwarded to TransUnion ) that TransUnion has NOT contacted them to verify the account, as if they had, they would know that the account was unable to be verified as accurate. 

XXXX believes TransUnion is using an outdated and unverified report against my FCRA rights. XXXX has EXPLICITLY DENIED verbally and in writing that they have ever verified the account as accurate with any CRA after the completion of their reinvestigation, as the account is unverifiable and was subsequently deleted. On numerous occasions, multiple upper management personnel within XXXX has sent notification to TransUnion to dispute that the bankruptcy. XXXX has yet to receive any response from XXXX. I have yet to receive an acceptable lawful resolution. 

TransUnion has informed me that I need a " letter of expungement from the bankruptcy courts to have the bankruptcy removed from my file ''. The United States Bankruptcy XXXX XXXX XXXX XXXX California has informed me that TransUnion has, " given me an impossible task to complete '' because I would need to have a bankruptcy on file in order to have such bankruptcy reviewed for possible expungement. The United States Bankruptcy Court XXXX District of California has stated that they DO NOT verify bankruptcies with ANY CRA or third party vendors. 

I don't understand ... if XXXX is the source that TransUnion is using to verify this account as accurate, and XXXX has documented that the account is unverifiable and deleted, then why is TransUnion maintaining their position that the account is verified as accurate??
Product: Credit card or prepaid card

i had a chase credit card and went through some financial hardship during my last year of school in the beginning of XXXX. i have had a great relationship with chase for XXXX years and XXXX years of great credit history. i had the account closed and sent to collection which i have now settled and cleared with the bank in XXXX this year. i want to start building a relationship with chase again.
Product: Credit reporting or other personal consumer reports

The companies, along with the credit reporting agencies, are knowingly and willingly committing Aggravated Identity Theft to collect on an extension of credit and punish me for non repayment of, when I am in fact not the debtor as they are alleging. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Bliley Act, and RICO.

This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a XXXX  XXXX member of this company put this information on a signed and notarized affidavit under penalty of perjury. 

Once the items are removed from my consumer report, I demand that they are never put back on. If they are put back on, I will pursue litigation against your company in federal court, pursuant to 15 USC 1681o.

Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so.

Thank you for your help in protecting my federally protected consumer rights.