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

A creditor who has purchased my old charged off debt ( XXXX XXXX ) refuses to remove from my credit report, ( TransUnion ) the other bureaus have removed this account. I do not have signed contract or a contractual relationship with this entity. This creditor or purchaser continues to re-list this account on TransUnion as New Credit. This in my opinion is illegal. I have tried repeatedly to dispute this for 5 straight years! This is ridiculous. The debt was charged off by the previous creditor. I dont owe anyone who I dont have a contract with. I have never entered into a contract with XXXX XXXX XXXX Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I learned that I have an account with XXXX XXXX XXXX with a balance of XXXX. 
On the night of XXXX I called XXXX XXXX  XXXX only to discovered that I was an authorized user to that account that owe the money. I was only XXXX XXXX XXXX when that account was closed, according to XXXX XXXX XXXX XXXX XXXXXXXX check and made sure that under my name and social security number there werent any account and they were able to remove me as an authorized user from the account that night. 

My issue is that EquiFax will not remove the account with balance from my credit report because I cant provide them with any proof. I cant get XXXX XXXX XXXXXXXX to send them a proof because I dont have account with them. 

Please help me, I wont be able to get a mortgage with this on my credit report. 

Please reach out to me if you need any further information. 

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

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, whichstates that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below arestill reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX  The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, XXXX  XXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that XXXX being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Debt collection

True Accord continues to invade my privacy by contacting me via email without my permission or consent. True Accord rep used obscene and abusive language in an attempt to collect an alleged obligation. I do not have a relationship or contract with True Accord. True Accord has not validated the alleged debt however continues to harass me.
Product: Credit card or prepaid card

I have been unable to access my American Express account for over 3 months due to a login issue where I can't get past the two factor authentication because they have the incorrect email listed ( which has been deactivated ). I have verified with them that I am the account owner and have shared the correct email address multiple times, but despite having called American Express every 10 days for over 2 months ( spending over 7 total hours on the phone ), the issue is still not resolved and I still can not access my account. I am unable to see my statements, current charges, manage my payments, activate offers, or interact with my account in any way. There could be fraudulent charges, and I don't have any way of seeing them. My account is on auto pay, and I'm unable to see what I'm paying for. They don't have any physical locations, so this online account is the only way I'm able to access any information related to my services. The last time I spoke to someone was on XX/XX/2022 and they said the issue would be resolved in the next few days. It is now XX/XX/XXXX and I still can't access my account. I have a ticket open with their digital team and they've confirmed it's a bug ( aka it is not my fault ) - a ticket is open with the ticket ID XXXX. I pay an annual fee of {$250.00} for this credit card. Can someone please help?
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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
Product: Checking or savings account

I received a mail from Chase today stating that they are blocking my checking and savings account and closing them. It is due to the credit history but they can't give me specific reason. 

I would like to know why Chase is accessing my XXXX report for a checking and savings account? From my understanding, they generally access either XXXX XXXX XXXX or XXXX. Also, why Chase can't provide me with a reason as to what remarks caused the accounts to be closed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 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 Have 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, also states a consumer reporting agency can not furnish an 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 7 years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I applied for the public service loan forgiveness program and was accepted. I have made on time payments since 2001 and worked for the federal government for 10 years thus making me eligible for the program. However I received a communication from Fed Loan Servicing stating that I need to make 101 more payments for the loan forgiveness to occur. I believe this is inaccurate and would like forgiveness applied to my loan now.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are reporting account as late payment doing XXXX  XXXX I am asking for these late payment be removed it wasn't no way I could have made payments do to XXXX I caught XXXX XXXX and also some account are reporting inaccurate information.. XXXX XXXX.. XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information account belongs to my daughter XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX   XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was compromised and fraudulent accounts were opened without my consent or authorization. 
As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act. 
But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting this fraudulent accounts. For yet another last time, the following accounts are as a result of fraud : XXXX XXXX, ACC #  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX, ACC #  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX, ACC #  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1600.00} XXXX XXXX XXXX, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$8500.00} XXXX XXXX XXXX XXXX, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$620.00} This letter is a written proof of my intent to find a resolution for this case failure to which I will file a lawsuit against this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have been contacting the 3 credit agencies about some accounts which were not created by myself or anyone I know reporting on my credit reports. 

I've sent all the documents they have requested to do a proper investigation and sent it by certified mail each month for the last 3 months and they still have not removed these fraudulent accounts which were not created by me. Every time I call and reach out to ask about the investigation, the company says they have either not received my information and I need to resend it, or they just do not respond to the investigation entirely, and I am fed up because this is hurting my ability to obtain credit and move on with my life. I am trying to get these accounts removed because they are not mine. Here are the details of the disputes I have submitted. 

I sent my last round of disputes by certified mail on : XX/XX/2023, I sent in the disputes and they have still not gotten rid of these student loans on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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: Student loan

Navient refuses to generate an electronic receipt upon my electronically scheduling a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WOULD LIKE THE REQUESTED ACCOUNTS CLOSED AND REMOVED OFF MY CREDIT REPORT.
Product: Credit reporting

Equifax ( including XXXX and XXXX ) has not increased my credit score where it should be after items removed, XXXX collections, and XXXX open accounts in good standing. Which brings me to discuss XXXX that has been in dispute all year with no responds or corrects. Equifax states their sore calculations is base on the last 3 years. They state XXXX report on my credit XXXX missed payments, and XXXX missed payments BUT shows a grid that have good standing payments for a year and a half..an the years XXXX in a " XXXX '' ( unknown ) that effects my score. In XXXX and XXXX I was in a program with XXXX XXXX for modification of my mortgage which clearly states that your mortgage will be denied modification if you make any late payments. I completed the program successfully without no late, or missed payments but Equifax, XXXX, and the other XXXX credit bureaus will not correct it. Also Equifax will not remove any and all accounts that 's paid and closed with a XXXX balance..My score should not be XXXX. It should be in the XXXX. Equifax investigation is not including demands for XXXX to explain the " XXXX '' unknown.they have reported and being dispute since XXXX with no results but still Equifax reports it as a negative items that keeps my score down.
Product: Money transfer, virtual currency, or money service

A friend asked me if he could send me {$3800.00} on PayPal and I give him cash so I agreed and we completed the transaction on XX/XX/XXXX. We initially tried this on XX/XX/XXXX but we ran into a hiccup and agreed to pick it up the following Monday. After the transaction was complete, I attempted to transfer my PayPal balance to my bank and the transfer was flagged and placed on a XXXX hour hold for investigation. After the investigation was complete I received a notice and email from PayPal saying I was no longer allowed to do business with them and that my funds would be placed on hold for 180 days. Ive tried to resolve the issue with them and apparently theres nothing that can be done to overturn the decision. Im fine with not being able to do business with them because I no longer have the desire to, but I demand my money be returned to me immediately. PayPal is stealing from me during my time of need. If my money isnt returned to me in 30 days, I will be seeking legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting

I received a copy of my credit reports and noticed some erroneous items on my credit reports. After reviewing my records I could not find any documentation of any contractual relationship between me and Midland Credit Management Agency who reports and represents a Credit Card Company. 
This is not a request for verification or validation. This is a request for strict proof of a copy bearing my signature. I have sent certified letters dated XXXX/XXXX/XXXX and another on XXXX/XXXX/XXXX to provide me with a copy of an original application with my signature but to no avail. MCM Inc insists that I have a charged off amount totaling {$810.00}. To show how irresponsible and negligent they are, in their most recent response I received an invoice belonging to another consumer, which is presently in my possession. They have violated the FCRA and at this point and time they must delete all negative items from their report. I will not upload this consumer 's personal information until I get a response.
Product: Credit card

I had a Home Deport Credit Card ( acct. # XXXX ) with no other authorized user on it. An unauthorized user was allowed to charge on it and I have been continuously billed {$1000.00} that I did not charge. I have disputed this with Home Depot, XXXX, then a law firm XXXX and now another firmXXXX. Each time they remove the debt from my credit report but it reappears with a new collection agency. How can I get this permanently removed from my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've written World Finance Several times to provide Proper documentation they've sent duplicate responses I think they are fraudulent. Under 15 USC 1602 ( i ) I entered into a Consumer credit transaction I didn't receive a Loan as the creditor extended my credit to them using my Credit Card ( SSN ) Number. Creating the alleged debt I've asked them for Verification by Requesting the Document that Federal law requires them to. Refer to 12 CFR 1006.34 ( a ) they failed to send ( 1 ) Debt collector communication disclosure 1006.18 ( e ) they aren't in compliance and I will continue to write them.
Product: Debt collection

Stuart Lippman and Associates Inc Please delete the account from my credit report for all 3 bureaus ( XXXX, XXXX, and XXXX  ) I have no contract with you and a cease and desist was asked of your company..You are still negatively affecting my credit report by keeping an account that I dont owe you. If the account is not deleted I will be forced to contact the XXXX  and legal counsel to file suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a series of emails for Experian stating the report for my dispute was available I never filed a dispute. After trying for more than an hour to get a live person on the phone. I then spent 20 minutes verifying my identity. When I was finally asked for the report number and the name on the report they refused to tell me how my account had been mixed up with another person 's. They have comingled our accounts. I have a fabulous credit score. I will be very unhappy if it gets damaged because Experian has confused my account with someone elses. I could get no satisfaction from their disinterested foreign call center employees.
Product: Mortgage

I. Was. Ripped. Off. By. Mortgage. Company. For. XXXX. Dollars. And. Deceived. Into. A. Predatory. Mortgage
Product: Credit card

Macy 's contacted me in XXXX 2016. They stated that they believed that there was fraudulent activity on my Macy 's credit card. They felt that charges were fraudulent because the merchandise was not being shipped to my home address. I confirmed with them that I had definitely not made the fraudulent purchases. Macy 's assured me that the fraudulent charges would fully investigated and they would be removed from my charge account. They stated since the charges would be removed, there was nothing further for me to do. I had none of my own purchases on the card at the time of the fraudulent activity and I have not used it since that incident. It is now XXXX XXXX, and the charges remain on my account and they are placing late charges on the account for non payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON LATE PAYMENTS THAT ARE NOT TRUE. A LETTER OF EXPLANATION IS ENCLOSED.