23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX SSN : XXXX | XXXX : XX/XX/XXXX Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 



XXXX. XXXX  XXXX XXXX Unverified Account ( Provide Physical Verification ) XXXXXXXX XXXX XXXX Unverified Account ( Provide Physical Verification ) XXXX. XXXX XXXX Unverified Account ( Provide Physical Verification ) XXXX. XXXX XXXX XXXX Unverified Account ( Provide Physical Verification ) XXXX. XXXX Unverified Account ( Provide Physical Verification ) * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file. 



Thank You, XXXX XXXX
Product: Checking or savings account

The bank will not allow me to withdraw any money in my account. They say it is there policy to not allow any withdrawals for sixty days from the day an account is opened. However, this restriction is nowhere to be found in the account 's terms and conditions ( legal agreement ). The bank is therefore violating Regulation CC.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX needs removed Filed several complaints and the file is still on my report.
Product: Credit reporting

There have been unauthorized inquiries put on my credit report and after contacting both the bureau and the companies have not been removed. 
XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016
Product: Mortgage

I began contacting this company to exit forbearance at the end of XXXX XXXX. It's XX/XX/2021. 0 progress has been made. 
The retroactively added 3 months of late payments during the forbearance period, so we can't refi away from them. 
A HELOC company said we were in default, but we were never informed of this. 
I told them I would be leaving the country for weeks leading up to XXXX when I left. While out of the country, they called the XXXX XXXX POLICE on ME, while I told them I was out of the country - who harassed my tenant/future partner on the house. This is absolutely an abuse of taxpayer dollars. Whoever made that call needs to be fired/held accountable. 
When I returned home in XXXX, I found a letter dated the day they called the police. In it, they threaten my mortgage if a PACE lien is not cleared from the title. ( FHA loan ). 
In addition, they offered a " trial repayment '' plan in this letter. This is fine, but it started before I returned and no one informed me this was happening to plan for a way to pay it while I was gone ( requires paper checks sent to a US address ). I could have paid anything digitally/bank wire, but I couldn't send a letter from XXXX to XXXX! 
I opened a CFPB complaint, they said they would have their lawyer contact me to work it out. It's been an additional 2 weeks with no updates or answers to our questions. 
In the meantime, this means their additional mortgage trail period payment is 16 days late and I still can not get an answer to some basic questions : 1 - I do not know how long the liens will take to be removed from the title. So where does that leave us with the threatening letter? 
2 - I do not know if M & T has been paying the escrow - or if we're still in the " special program '' that you never cashed the checks for. If so, we will need the total for our civl trial against XXXX  ( CA AG found the contractor guilty criminally ) 3 - If the liens are removed - how long to M & T to adjust the balance owed so we can see the best way forward for us?

4 - what's the status of " missed payments '' during the foreclosure period.
Product: Credit reporting or other personal consumer reports

Experian and XXXX XXXX are conspiring to keep inaccurate information on my credit file. I filed for bankruptcy in XXXX XXXX XXXX has updated the account to show as a charge-off with no information about the bankruptcy in addition the charge-off amount is XXXX XXXX but they are reporting past due XXXX XXXX. I have previously disputed the past due amount with Experian, XXXX  and filed a complaint with CFPB in which I was provided a half-hearted response.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

On my credit report there is several companies that was listed on my credit report and was disputed because the account did not belong to me. The Companies could not provide information because they were not mines and they was deleted, but they reappeared on my credit report again and the companies are listed as : XXXX for {$900.00}, XXXX for {$520.00}, XXXX for {$600.00}, XXXX for {$55.00}, and XXXX for {$30.00}. These accounts do not belongs to me and they could not validate the debt and after it was removed the first time it was sold to another company and placed back on my credit report for all three bureaus. Please remove from my credit report
Product: Credit card or prepaid card

I used my XXXX XXXX card to purchase business services from a company called XXXX XXXX. XXXX never provided me with any help at all or sent me anything, did not help my business, or file anything to help my business. When I complained, they sent me a refund minus {$9100.00}. They did not send me the entire amount because they said there was a 20 % fee for terminating the service early and for a " restocking fee ''. First of all, I never received anything to restock, and second they never did anything. Lastly, THEY were the ones who cancelled. 

I have filed several disputes over this with XXXX, and they side with the merchant every time because they have some forged agreement I never signed. My point has remained consistent ... if XXXX actually did perform any services ... there should be a paper trail with a shipping confirmation, proof of the business purchase setup ; registration and ownership transfer. I have brought this up to XXXX over and over and they have NEVER actually investigated nor received the aforementioned proof I requested. Every time I try to contact them about the dispute, I keep getting transferred over and over to different departments who obviously do n't communicate with each other or usually have any idea what I am talking about. Then like clockwork, in about a month ... they file in favor of XXXX after doing no investigation at all. I know this because for one, they have never shown me any proof of an investigation and because XXXX has the wrong address on my invoice ... so there is absolutley no way they shipped me anything. 

The original purchase was for {$40000.00} and XXXX refunded everything minus the aformentioned 20 %. Last month they refunded {$1100.00} but I am still owed an additional {$8000.00} Please help me, I have been disputing this for the better part of a year now with absolutley no cooperation or help from XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information. 

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation.
Product: Debt collection

Omni financial loan was charged off in XX/XX/2018 to collection agency called XXXX XXXX XXXX it is still reporting late every month on credit report. Spoke to collection agency that took over original account 3 times asking them to provide documentation of when this was turned over to their offices they refuse to provide anything with this information on it. They refuse to offer a pay to delete to pay it in full to have it removed from my credit as well. Amount due is now {$3500.00} Amount has been increasing in interest although it is charged off and is more than what was borrowed. This company has been ordered in court to pay out a settlement to service members in the past as well for their corrupt ways.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following unauthorized inquiries : 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 These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have a Derogatory remark on my credit score. Showing that Jefferson Capital Systems LLC has 2 accounts one. For {$8000.00} and one for {$10000.00}. It shows the original creditor to be XXXX XXXX. I contacted XXXX XXXX and they told me they do not go to outside collection agencies and the amount I owe is substantially less than what is being shown. The account was opened on XXXX. It did not show on my credit until XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my experian Credit Report there is a fraudulent account reporting from XXXX XXXX XXXX XXXX XXXX partial account # XXXX ) I have never done business with or held and XXXX XXXX cars in my name. When this account was established in the XXXX XXXX XXXX XXXX XXXXXXXX I was a full-time resident in XXXX XXXX XXXX MO ... XXXX I have been going back in forth with both and experian and XXXX XXXXor years now .... The have never supplied me with any verifying information on this account or anything.
Product: Credit card or prepaid card

Attached is the representment from google to XXXX requesting dispute reversal. 

The representment provided by google also indicated on the Case Summary, that I checked marked that " Authentication '' is required for each and every digital content purchases, which google failed to follow and allowed those unauthorised and unauthenticated charges to go through. These were not reoccuring subsrcription, because there were none.

I did not authorize those charges that didn't have my password.

Google authorised those charges without my permission, thereby putting me in a financial hardship.

For the fact that I requested for password to be entered for every digital purchase, and google allowed the purchases without password verification against my request, I am not liable for those unauthorised charges and based on the compelling evidence provided by google that comfirmed what I have been crying all along that I never entered my password to authorised those purchases as I had indicated when I stored my credit card on my google account, I am requesting refunds to every unathorised and unauthenticated purchases. 

The purchases that have Password verified, I authorised. 

The purchases that have " User Opted out of Password '', Google authorised, and therefore Google should bear the burden and consequences for allowing such without my permision.

I do not wish for this to happen to any consumer, ever again.

Companies are bound to honor consumers request when indicated.

On No circumstances should google should have allowed those unauthorized purchases without my permission.

The Representment from google did infact show that Purchases that I authorized have password verified, and Purchases that I did not authorize have " User Opted out of Password Challenge Password '', which was never supposed to happen. 

Out of the numerous unauthorised purchases, google only refunded one of the unauthorised purchases, in the amount of {$49.00}, while over {$2000.00} in Unauthorised purchases are yet to be refunded by google.
Product: Credit reporting or other personal consumer reports

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the XXXX financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Product: Debt collection

This debt collector is trying to collect a debt that i didn't owe another debt collector was trying to collect it and i requested debt validation letter showing where i owed the money and they failed to provide it and Quickly sold it to southwest credit system which is the new debt collector now i requested same document from them and they failed to provide it and continuously reporting this on my credit report and they even report it as open account which is wrong no collection account should be open. that's violation of my consumer right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that credit over two years old be deleted and that accounts in good standing be updated to show an older history of accounts from auto loans and credit history with the XXXX XXXX XXXX XXXX be updated. A recent response to a credit increase from XXXX XXXX listed among factors or denial were! ) Length of time accounts have been establish and 2 ) Too many inquiries in the past 12 months, All were based on information reported by Experian. 

I am submitting this request to CFPB because my effort to obtain the desired result in a letter I sent to Experian on XX/XX/2017 seems to have been ignored. I have not received a written response and these items have continued to adversely effect my credit history and credit score.
Product: Checking or savings account

I had deposited my amended tax return check that was over XXXX. I understand that there needed to be a hold on it, thats fine. Then, they froze my account. I went through multiple phone calls, multiple people, had to go to the branch multiple times. I finally got that fixed. They tell me that my check would not be released until today. Still is not released. This is ridiculous. This is what is keeping me from being homeless. I will try to call AGAIN, go to the bank, AGAIN. I have never had an account frozen or anything before because of a treasury check, yet alone have I ever had a bank withhold funds like this.
Product: Debt collection

I had disputed a closed charge off balance of XXXX from Midland funding collections on all XXXX reporting credit bureaus ... .After the dispute came back on or approximately XX/XX/XXXX it was reported to all three bureaus that I only had a balance of XXXX dollars..I then contacted Midland funding to pay the XXXX dollars.They said no I still owe XXXX dollars and that they never reported the balance of XXXX dollars to no reporting agencies. I have proof from all XXXX credit reporting agencies ... .They then contacted the XXXX bureaus after my dispute came back stating I only owe XXXX dollars and reopened my account to reflect the XXXX after my call to pay the XXXX dollar balance ... ..My score dropped over XXXX points ... ..This is definitely a violation the fair reporting act. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I took out an unsecured loan to help finance aircraft rental. The lender was XXXX XXXX. The rental company was XXXX ( XXXX XXXX XXXX ) located in XXXX, FL. I fell on hard times and was unable to repay the loan. XX/XX/XXXX the account was closed. 
XXXX is reporting to the credit agencies that this was an education loan. In no way shape or form was this an education loan. XXXX  is not an accredited college or university. No degree was ever offered or obtained. 
As such, as of XX/XX/XXXX seven years has passed. This is the limit of ability to report and or a line item to remain on a persons credit report.
Product: Debt collection

i have sent fraud paperwork on this account and this company refuses to remove this account of my equifax and is holding up home loan process. i call them and they stated that i paid this account already, and its been closed, before XX/XX/2018, i have never spoke to this company before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a valid police report to XXXX, and Equifax since XX/XX/2018. XXXX  and Equifax advised me my police report was not valid, that is not true. My report is a valid police report, from the XXXX Police Department, and this report can be verified. I live in a local town, I went back to the police department and was advised no one contacted the police department to verify if this report was valid or not. However, it is a valid report. 

My life has been a complete nightmare, for I have been denied credit, turned down employment, and unable to provide adequate shelter for me and my XXXX sons. 
I am a victim of identity theft, from a data breach, enclosed is a copy of the Class Action Settlement that I am a valid member and have been provided free credit monitoring services. 

There are several fraudulent accounts that has reported on my credit bureau I have fought with these credit agencies for over four months to remove this information. I have provided the credit agencies letters, from the many companies advising me that I am not liable for the accounts and they would remove it. But for some reason these credit bureaus refuse to remove it.
Product: Credit reporting or other personal consumer reports

FORMAL DISPUTE - DEMAND FOR REMOVAL OF INACCURATE INFORMATION** Social Security Number : XXXX To Whom It May Concern, This letter serves as a formal demand for the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report, in strict compliance with federal laws! Under the Fair Credit Reporting Act ( FCRA ) and other pertinent legislation, I have the indisputable right to maintain an accurate credit report and to dispute any entries that lack legitimacy or proper verification XXXX XXXX XXXX - FDCPA Section XXXX Violation Misleading - Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of XXXX XXXX. XXXX. 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. 
Balance - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation Misleading - Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of XXXX XXXX. XXXX. 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 Balance - XXXX XXXX XXXX XXXX XXXX XXXXection XXXX Violation Misleading - Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of XXXX XXXX. XXXX. 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 XXXX - XXXX Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of XXXX XXXX. XXXX. 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. 
Incorrect Name - XXXX XXXX This personal information is incorrect AND HAS TO BE DELETED FROM MY CREDIT REPORT. 
# # # Legal Basis for Dispute and Unyielding Demands :