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

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four previous 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 first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) 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. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

This account was charged off in XXXX of XXXX. It is obsolete and too old to appear on my credit report. I have not made any payments since XXXX  and the company is reporting incorrect information and has failed to remove this obsolete debt from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these Hard Inquiries with Equifax, as I did not and they are still listed. Please remove inquiries from my credit report. Thank You XX/XX/XXXX EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

At this point you are not allowing me my legal access to the information on my personal credit profile as provided by the FAIR CREDIT REPORTING ACT. I am requesting to you to please release my personal credit report. I have included copies of official documentation confirming my drivers license, date of birth and social security number as required by you to verify my identification.
Product: Debt collection

Unfortunatenly I was part of an data breach, I've made the comany aware via priorty mail and asked for proof and stll haven't received the documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I paid my auto loan with Santander USA at XXXX pm XXXX. On Monday XX/XX/2022 I received alerts that my account was reported as 30 days past due to credit bureaus XXXX and XXXX. Upon calling Santander, they stated that they reported the payments as late because the payment was made at XXXX pm ( not stated if it was PST or CST ) which is not true. Confirmation for the payment was not received on my end until XXXX hours after the payment was made. The payment was then posted on XX/XX/XXXX, however, it states on my transaction history that my payment effective date is XX/XX/2022 ( as shown in my attachment ). Santander is being unreasonable and does not wish to remove the delinquent mark despite all these facts being given to them. I was told by a member of their executive office that regardless of what time I paid my car note that my payment was still effective for XX/XX/2022 meaning that I was well within my 30 day grace period and therefore not past due on this account. I have submitted complaints about this company before and have successfully had delinquent marks removed by the CFPB because of their inaccurate and unfair reporting.
Product: Credit reporting or other personal consumer reports

As you can see from the supporting documentation, TransUnion 's website is showing both : * NO open disputes * Can not file new dispute due to open dispute????????? 

This is clearly nonsensical, as these two things can not occur at the same time, and it is precluding me from filing a dispute about verifiably inaccurate car loan payment history on my XXXX auto loan account. I need to provide bank statements that show I made the payment on time, as well as upload my XX/XX/XXXX & XX/XX/XXXX credit reports showing that curiously, that account had been being reported as perfect payments until I exercised my rights and disputed incorrect items on my report. This is retaliatory and the evidence leaves no doubt. 
TransUnion is retaliating against me for filing a complaint and confirming their own FCRA violations. These actions have a direct deterrent impact on my ability to continue correcting their errors, and it's being done intentionally. I have made innumerable recorded calls to TransUnion getting transferred around, and repeatedly told it's MY TECHNICAL SKILLS that is causing this problem, further enhancing the duress inflicted upon me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX / XXXX XXXX XXXX WENT ON MY TRANSUNION AND RUINED MY SCORE FROM ''XXXX  '' TO ''XXXX '' AND THIS IS NOT ACCURATE ITS OLDER THAN 10 YEARS WAS OPEN XX/XX/2007 BY XXXX  XXXX/ XXXX , IAM AM CURRENT I DONT KNOW WHY THEY KEEP DOING THIS THE OTHER 2 CREDIT BUREAUS ARE THE SAME WAY RUINING MY CREDIT I CAN NOT GET ANY LOANS WHAT SO EVER ... ... I HAVE PROOF THIS LOAD IS NOT ACCURATE AND ITS OLDER THAT 10 YEARS ... .. 

CURRENT LANDER IS ''XXXX '' XXXX XXXX..
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, XXXX and I reached an agreement to pay off my two loans in full. Agreement were reached for two accounts that I have with XXXX. Pay off for the first account ( Contract # XXXX ) was for {$300.00} and the second account ( Contract # XXXX ) was for {$360.00}. LendUp received the two payments by their e/mail dated XX/XX/2018 to me for both accounts. Can't closed second account because it still shows a balance {$1.00}. Tried resolving issue with XXXX on XX/XX/2018 by phone and was unsuccessful.
Product: Checking or savings account

On XX/XX/year> I checked our business account and realized there was several charges in pending I didn't do, so I called the fraud dept and they cancelled my card and filed a claim. I then contacted XXXX  and they informed me that I haven't had no transactions in that wallet in a while, and said it had to happen directly from moon pay I contacted them and the responded by say how can we help prevent this fraudulent action and gave me a form to fill out. Then XX/XX/year> I checked our XXXX XXXX and had a letter from the bank stating they have determined the transaction where authorized and the claim was closed. 
I then went to the bank and the banker was telling the guy on the line from the claim dept that she sees where someone got my CVV code wrong several times before the bank allowed the transaction but the claim dept still would not do anything. 
Please see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a student loan, it was a XXXX loan from California XXXX XXXX University in the amount of {$2700.00}. The loan was originated in XXXX and defaulted in XXXX. The account was first delinquent in XX/XX/XXXX. It was reported to the credit bureaus as 90 days late in XXXX of XXXX. The loan was subsequently paid in full. The information has been removed from XXXX and XXXX. With XXXX, in XX/XX/XXXX, the information that was being reported incorrectly changed to show that the account was first reported delinquent in XXXX of XXXX. I submitted multiple disputes to XXXX and they have not fixed the problem. I have multiple old credit reports sent directly from XXXX XXXX, XXXX which show the correct original date of delinquency ... that the account was reported as 90 days late in XXXX of XXXX. Also the XXXX XXXX XXXX who is Furnishing the information to XXXX agreea 100 % with me that the loan was first delinquent in XXXX of XXXX and first reported as 90 days late and XXXX of XXXX. The date of furniture is adamant that they're providing the correct information to XXXX showing that the account was reported as 90 days late in XXXX of XXXX and that the problem is on XXXX end. XXXX refuses to publish the correct information despite multiple disputes in ample proof provided in the form of official copies of old credit reports from all four bureaus, including XXXX, as well as a confirmation directly from the data furnisher.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring your attention to inaccuracies on my credit report that occurred as a result of financial hardship caused by the COVID-19 pandemic. According to federal guidance and the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, creditors and credit reporting agencies are expected to provide relief and leniency to individuals financially impacted by the pandemic. However, I have identified derogatory marks and late payments on my credit report during this period that do not align with these provisions. Explanation of Circumstances : I was financially affected by the COVID-19 pandemic, resulting in a loss of income and unemployment during [ XXXX ]. During this time, I communicated with my creditors regarding my financial situation, requesting relief and accommodations under the available programs. Despite this, late payments and other derogatory remarks were reported to the credit bureaus. Under the CARES Act, lenders were required to report accounts as " current '' if accommodations were made due to pandemic-related hardship. These negative entries appear to have been reported in error or without considering the appropriate guidelines. The complaint is regarding the below accounts on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

So here once again to file yet another complaint about Home Depot .... filled one last month because there automated system told me what to pay, to find out from customer representative it was double ... Now this time it 's to file a complaint on how do I get charged {$35.00} late fees for over 5-6 months in the past to this month because this great automated system did n't take my payment on due date to find out I 'm only getting a {$25.00} late fee .... odd so u just once again made over {$60.00} off me .... then talking to the case person being told that she will not be doin anything untill I file a complaint here .... so here 's your complaint .... so Home Depot has made over {$200.00} on me from there doing and wo n't do anything about it .... time to pay this thing off and close and warn people never get this credit card ... over {$200.00} in there make believe fees, you people should be ashamed. And someone REALLY should be looking much further into them ....
Product: Credit card

Citibank has been robocalling me at least once a day for the past month or so from XXXX. Instructions tell me to check my accounts on line ( but they do n't indicatecate what I am " checking '' for ). ( I did review my accounts at the web address they provided and all my Citibank accounts are current. ) The other option is to call them at XXXX because they " always love talking to customers. '' I did a XXXX search and found that Citibank has been harassing thousands of their customers with these ongoing robocalls. 
What can I do so stop these robocalls?
Product: Credit card or prepaid card

Avant card company charges fee on XXXX balance and if you dont pay fee they add late charge There is no customer service that ever answers you online are in person to cancel they always say I'll forward you to customer service but you can stay on the phone all day there is no answer I have emailed them used their website every way to try to get ahold of them to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a postcard from Clarity Services, XXXX. XXXX XXXX, XXXX, FL XXXX on XX/XX/XXXX regarding negative items potentially being added to my credit report. I sent a letter on XX/XX/XXXX requesting a copy of my personal credit report. I included my full name with generation, complete addresses for the past 2 years, my social security number and date of birth. I was directed to send this information to the following mailing address of Clarity Services, XXXX XXXX. XXXX XXXX, XXXX, FL XXXX. On XX/XX/XXXX, I received an envelope from Clarity Services that did not include my personal credit report as I had requested. 

On XX/XX/XXXX I called Clarity Services at the following telephone number of ( XXXX ) XXXX and informed the customer service representative that I talked to that I did not receive my personal credit report that I had requested. I was then told that I had the option of receiving a copy of my personal credit report via email. I accepted the option of receiving a copy of my personal credit report via my personal email, however after clicking on the link that was sent to me by Clarity Services via email, I once again did not receive a copy of my personal credit report. The only thing that I received was the same general information that I received initialed in the mail. I did not receive a copy of my personal credit report that I had requested. 

This is a direct violation of my rights under the Fair Credit Reporting Act to obtain a copy of my personal credit report when negative information is placed on my credit report. This company, Clarity Services is denying my right to dispute inaccurate information that may be placed on my credit report by refusing to send me a  copy of my personal credit report when requested.
Product: Checking or savings account

I purchased multiple items on a site called XXXX for the first time back in XXXX for a total of {$500.00}. Its a company in XXXX XXXX and I ordered XXXX shipping and it was suppose to arrive in a few days. It took up to two weeks for the package to finally be in my city. I waited and waited and then the day it was suppose to arrive I never received what I was suppose to get. ALL MY ITEMS IN THAT BOX WAS GONE. I contacted the merchant to see what's up and one of you guys clearly stated " to wait because the status can be marked as delivered when it wasn't '' | was told to wait and it's been days after and I still didn't get my package. I CONTACTED MULTIPLE TIMES EVER SINCE THIS INCIDENT AND NO ONE HELPED ME. Their automated system clearly told me if I didnt receive my item please contact your bank or carrier which is what I did as shown in one of the pictures I provided. I eventually filed a dispute with my Chase and a police report to get backup. I've been in contact with XXXX and law enforcement for the past 2 months. XXXX told me the package was either lost or stolen. I don't know who to believe but law enforcement are still investigating it because there was so much valuable items in that one box and it's all gone. I emailed them constantly and none of my emails went through for the past 2 months and it's frustrating that I have to keep contacting to keep a resolution. Then all of a sudden Chase resulted the claim in their favor because the purchase was authorized I CLEARLY TOLD CHASE IT WAS AUTHORIZED AND NOT FRAUDULENT. I JUST DIDNT RECEIVE THE SERVICE I ORDERED FROM THIS SCAM COMPANY CALLED XXXX. A representative named XXXX at the Chase Claims Department put my claim in the wrong category. She put my claim as a unauthorized transaction when it was authorized I just never received the service I paid for which was the whole point in the first place. I ordered shoes from this same company around the same time too and they never shipped it out and its been two months. it's killing me that i don't have my items and a case was closed in the favor of a website that is sketchy. I dont want to pay back money for a service i never got. I have all evidence of everything. I have the police report and everything. My chase account email is XXXX. Im just hoping anyone and I mean anyone that can please reach out to me as soon as possible and help me appeal the claim or do something because it was closed in their favor. Thank you.
Product: Credit card

My wells fargo credit card got decline at the store couple of times, I went online to check the status & found a note to call at the number. When I called them, i came to know that they blocked my card & provided no reason for that. On requesting further details, I have been asked to visit the branch. I requested them that during office hours, I may not visit your branch & kindly provide an alternative. On that note, my request is forwarded to the concern dept & since then I am waiting for call. On calling them to inquire about the update, the officers appears to very rude. 
It has been more than 24 hours but card is blocked & nobody is giving any explanation to me, why they have blocked it. If they need to inquire about any transaction activity or else, they should have called me before blocking my card. I felt very embarrassed at the store. You are requested to take strict action to ensure that going forward any other consumer would n't face such inconvenience.
Product: Student loan

I contacted Navient a little while ago asking them to not contact any third party through the FDCPA rules about a debt a may or may not owe. They responded and said they do not do that. Today I was informed by a family member that they were contacted by Navient
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Maryland XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  # XXXX XXXX  XXXX, MD XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX 5. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX 6. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX 8. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX 9. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX 10. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX 11. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX 12. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

13. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX