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

On XX/XX/year>, I mailed a dispute letter to TransUnion via USPS certified mail tracking number : XXXX requesting an investigation into inaccurate items listed on my credit report. I also disputed incorrect personal information appearing in my credit file. According to USPS tracking records, the letter was delivered to TransUnion on XX/XX/year>. 
Despite my detailed request and supporting documentation to verify my identity and address, I have not received any investigation results from TransUnion. More than 30 days have passed since the delivery of my dispute letter, yet no communication or resolution has been provided. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. TransUnions lack of response and failure to conduct a reinvestigation appear to be a violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax consistently disregards the FCRA laws surrounding proper investigation into Consumer disputes. They simply update the status as debt valid usually the same or very next day dispute filed. They do not investigate disputes, they simply label them as Verified. They do not provide investigation results and never reply to Certified Letters sent requesting documents/information obtained in their investigations or rather proof of their reasoning since no investigation can be conducted in a 1 day timeframe. 

I have 2 major issues I can not get remedied through my many attempts with this company. This is my last attempt before formal litigation. 

They are reporting 2 fraudulent Collections Accounts on my Credit Report. 

1. Collection Agency : XXXX XXXX XXXXXXXX Original Creditor Name : XXXX XXXX  Date Assigned : XX/XX/XXXX Original Amount Owed : {$20000.00} Status Date : XX/XX/XXXX Account Number : # # # # # XXXX Date of First Delinquency : XX/XX/XXXX First of all, this account was paid in full by OurXXXX pandemic rental assistance program under Covid CARES ACT. I contacted the reporting agency representative and furnished all information proving the account was paid in full, a copy of cashiers check, ledger from property management and proof check was cashed. The representative did not return my many calls and within 2 days from my initial request for debt validation, he immediately listed it on all 3 bureaus, reaging the debt by over a year and inflating the amount due )! 
This fraudulent tradeline breaks the FCRA laws ( disregarded my dispute of debt ) Novemeber XXXX Cares Act prohibiting reporting of XXXX XXXX XXXX when tenant and lanlord signed application to receive payment of back rent from the XXXX XXXX XXXX XXXX. I sent proof via Certified Mail which was disregarded by the company. 

I also sent all indisputable proof to Equifax who did not even process my dispute! 

2. Collection Agency : XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$130.00} Status Date : XX/XX/XXXX Account Number : # # # # # XXXX This debt does NOT belong to me. I contacted the reporting agency who confirmed the SSN, DOB and personal address information was indeed notmine. I was assured the matter was closed and would not be reported to any credit bureaus. When it showed up, I was told it would be deleted immediately. To date, the fraudulent tradeline still reports on my Equifax report. I have called the company countless times and only receive voicemail, no one returns my calls. 

Equifax is the only bureau to verify the above Collection accounts verified " As Accurate ''. 

My past Equifax Investigations : ( no investigations performed, closed out the same or next day! ) Confirmation number : XXXX Submitted : XX/XX/XXXX Investigation Completed XX/XX/XXXX ( 1 day ) Confirmation number : XXXX Submitted XX/XX/XXXX Investigation Completed : XX/XX/XXXX ( same day investigation ) Confirmation number : XXXX Submitted XX/XX/XXXX Investigation Completed : XX/XX/XXXX ( 2 day )
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX undefined, undefined
Product: Debt collection

LVNV Funding LLC, would see to be buying old debt and then re-dating it years ahead and charging interest well after debt has been delinquent. My account was for {$300.00} line of credit with XXXX XXXX XXXX, it went delinquent with a balance of {$370.00} on XXXX XXXX, XXXX. When LVNV Funding bought my account the delinquency date became XX/XX/XXXX and balance kept increasing to an oddly exact {$900.00} balance now. When i try accessing my account to see the accuracy of the balance and accounting i get a message that reads, - " This account is unavailable to view online at this time. Due to the current status of this account, we are unable to show information at this time. We apologize for that inconvenience. You may want to try again at a later time. '' -Ive tried again and again for months now. Tried contacting the service department where they could access my account and see and tell me the balance, said i could pay over the phone or set up a payment plan by phone. I told them i would like to see my full balance, they could send me an accounting of my balance or allow me to access the account online and i would consider making payment. They said since i had requested they not contact me at an early date, they could not send me paper work without me opting in on my online account. After going around in a circle with clueless phone operators for an hour asking " how can i opt in on my online account if i cant access my online account '' then being transferred to another department where they tell me we cant give you access to your online account until you've made a payment and have an account in standing order then we can reinstate your access to the account. I got fed up and came here. It would seem there has to be something criminal at play here and reading around I am not the only one to experience this type of runaround from this company. you'll find very few people who have had a good seemingly legal interaction with this company.
Product: Credit reporting or other personal consumer reports

The following XXXX XXXX XXXX account, with account Number XXXX has been disputed by me for the past few months, this account does not meat FCRA criteria and this company simple intends to leave it reported in my report despite my claims either because that they do not know what they are doing or because they want to create harm to me. 

First This account was closed on XX/XX/2022 however, it shows delinquent activity after closure.XXXX XXXX procedures hace allowed this since XX/XX/2022 and this has been highly detrimental to me. 

Second Delete this account for violation because notice of dispute was not entered as required within the required period of 30 days from the date my first dispute was received, persuant to section 623 of the FCRA Third How can this account be closed and yet it says I am still paying XXXX in the montly payment section? Once an account is closed, there should be no montly payment Unless the status says now paying it was canceled.
Product: Debt collection

I had previously filed a complaint against LVNV funding and Resurgent Capital. The response CFPB received was : The Account originated on XX/XX/XXXX with XXXX XXXX XXXX XXXX. The Account charged off on XX/XX/XXXX with a balance of {$15000.00}. The last payment in the amount of {$700.00} was received on XX/XX/XXXX. Payments in the amount of {$11000.00} have been received on this account since it was acquired by LVNV. As of the date of this communication the current balance is {$6000.00}. 


The balance still is NOT correct. This is violating FEDERAL LAW. I have made multiple attempts to reach out to both LVNV and Resurgent Capital via certified mail ( I have a return receipt ) as well as email. I have requested to pay this account in full as my bi-monthly pay is being deducted on amounts ranging from $ XXXX {$700.00}. All OT with my employer has been stopped, causing a huge financial burden as all my previous OT was going towards this debt. However, LVNC continues to ignore my requests to pay off the debt. The debt is based off accrued interest at 25 % so of course they would ignore me. I believe they are violating Fair Credit Reporting Act, reporting an unclear balance to all credit reporting agencies, and intentionally creating hardship by not responding to all my requests to pay this debt in full. They continue to automatically deduct from my pay, and accrued interest continues to accrue despite all my attempts to have this debt paid in full and resolved. TO DATE I HAVE PAID {$12.00}, XXXX on a {$15000.00} balance. Please reach out to them with vigor as their debt collection constitutes unfair debt practices, creating hardship for me as a XXXX.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX  accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Milestone, Destiny has violated my rights. - 15USC 1681 section 602 states I have the right to privacy. -15 USC 1681 section 604A section-2 ; It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B- A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid XXXX XXXX XXXX {$1600.00} for a cruise starting XX/XX/XXXX. Due to a medical condition of my travel partner we needed to cancel. We both had travel insurance and filed a claim. The insurance company asked for medical documentation. We supplied the MD documentation. Then they made a XXXX request which we supplied. Then, after a long period of time, the insurance company gave us a partial refund. XXXX XXXX Line states they issued three separate refunds to me on my American Express card for the remaining refund amount. These three amounts are {$38.00}, {$590.00} and {$230.00}. I have only received the {$38.00}. I have contacted XXXX several times and once was told to wait because the refunds can take time. I then filed documentation with the XXXX Customer Service office. Their response put the entire delay of my refund on my travel agent. My travel agent checked with XXXX and they told her all refunds were sent to my AmEx card by them and supplied transaction numbers for each refund. I have contacted AmEx several times by phone and letter and opened several dispute cases. Each time they say I have received all my refunds yet there is no record of them on my statement. AmEx has also refused to investigate these dispute cases stating it was past 60 days. I explained that it took so long because of insurance delays and working with XXXX to obtain my refund. I also asked XXXX to verify that all XXXX refunds were sent to AmEx. I believe that I have tried all the ways that a consumer can obtain the refund that is due. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax credit information hack. It is unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place.
Product: Mortgage

Cancelled PMI with XXXX, and then Roundpoint mortgage servicing and they are not cancelling the PMI. Loan to value is now below 78 % and they are refusing to drop PMI per the statute.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple XXXX Reports regarding the account that do not belong to me. 

Account name XXXX XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am ( 60 ) days past due on the State of Colorado XXXX XXXX. I started a new job on XXXX and the child support payments had been coming out of my paychecks. When I saw that XXXX and XXXX payments were not being applied I contacted the department and was directed to pay directly through XXXX. Starting in XXXX the payments began to be directly taken out of my pay checks again. I have attached copies of my paystubs and payment ledger which clearly shows that I had not missed any payments. This account is current. This false reporting of lates is seriously harming my credit score and Transunion needs to update this information and delete the lates being reported. I have tried to contact Transunion to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX  XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Acct # XXXX is reporting as if it is open. the vehicle has been sold from company by a third party and is continuing to be reported on the account as open. please remove, thank you.
Product: Mortgage

On XXXX XXXX, I closed on a mortgage with Wells Fargo with XXXX XXXX  as the Title agency. That same evening I sent a letter stating that I wanted to cancel the mortgage. I sent the cancellation notices to XXXX XXXX  and Wells Fargo. I mailed it at XXXX XXXX  from the Post Office. I followed up with XXXX XXXX on XX/XX/XXXX because I received a deposit and pay off notice from my former loan company. I told them about my concern and they said that they would take care of it. The money was removed and I was assured that the mortgage was cancelled. Wells Fargo has no record of the Loan because it really never was a loan. I also shared with them the Order and that number didn't help. 

I now have a lien on my mortgage because Wells Fargo filed it with my County Recorder 's Office in XXXX XXXX, XXXX, OH XXXX. I'm trying to refinance again and the title company that I'm working with discovered the lien. The current title company and myself have been working on communicating with Wells Fargo on getting the lien removed since XX/XX/XXXX. 

The I, the recorded date of the Instrument is XX/XX/XXXX XXXX XXXX. 

I don't understand why it wasn't cancelled. I never received a coupon book or payment book from Wells Fargo in regards to this loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Pa XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Accounts from Credit Report Accounts : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Dear XXXX, I am writing to formally request the removal of the following accounts from my credit report : XXXX. XXXXXXXX XXXX XXXX account # : XXXX XXXX. XXXX XXXX account # : XXXX XXXX. XXXX  account # XXXX These accounts were recently removed from my XXXX credit report, and in accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to ensure that all reporting agencies maintain accurate and consistent information. Since the aforementioned accounts have been removed from my XXXX credit report, they should no longer appear on your records either. 
Legal Basis for Request : Under Section 1681i of the FCRA, I am entitled to dispute and request the removal of inaccurate or obsolete information from my credit report. The removal of these accounts from XXXX credit reporting indicates that they are no longer considered valid or accurate, and it is therefore a violation of the FCRA for these accounts to still be reported on your credit bureau. 
Additionally, under Section 1681e ( b ) of the FCRA, credit reporting agencies are required to ensure the accuracy and completeness of the information they report. As these accounts have been removed from one credit report ( XXXX ), I expect the same action to be taken with respect to your credit agency 's records. 
Request : I demand that you promptly delete these accounts from my credit report. If the accounts are not removed within 30 days of receiving this letter, I will consider pursuing all available legal remedies under the FCRA, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Please provide written confirmation that these accounts have been removed from my credit report, or explain the reason for any failure to do so. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX last XXXX of XXXX : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a XXXX XXXX bankruptcy being disputed on my credit report. The court ID and plaintiff are not reported correctly. I have asked over the past several years for this information to be removed from my credit report, but it has not been. Also, it has been over 7 years and the bankruptcy still shows on myTransUnion, XXXX and XXXX reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, However with the accuracy of this account is incorrect it is reported that I have several late payments however this information is incorrect. In addition this is furiously posting incorrect information. I have no remembrances of having this account. This account may belong to my father we have the same name and our information has be intertwined before on our credit report. This account belong to someone the Account status is not consistent, nor is the Date opended High Credit, Past Due amount Payment Status Last reported Date last active have mix information agmost the three credit bureaus .... Look HOW ALL THREE CREDIT BREAUS HAVE DIFFERENT INFORMATION... THIS IS NOT RIGHT SOMEWHERE SOMEONE DROP THE BALL... .THIS IS GROSS NEGILENCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Experian and XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$6000.00} XXXX XXXX Balance : {$6000.00}
Product: Credit reporting or other personal consumer reports

I have a chime bank credit builder card, it is being reported as having a balance to the credit bureaus. The only money on that account is money I put there. This made my credit score take a XXXX point drop out of nowhere completely blindsiding me while trying to make a vehicle purchase. This information is incorrect and has cost me hours of my time and many more of frustration and stress. This incorrect reporting, especially on something advertised as a safe way to help build credit scores, is a violation of my rights under the Fair Credit Reporting Act and it needs to be fixed now. Now I have to wait up to 30 days for it to be fixed as I filed a dispute with TransUnion earlier this evening. Their customer service shuffled me around from person to person before asking to file a dispute, which I was then not able to do on their website due to a nondescript error and was recommended I mail or try by phone in this technological age its hard not to feel brushed aside while the credit bureaus play with my life like puppeteers. I asked myself what can I even do? The new American dream work your life away while we assign arbitrary numbers intended to keep the poor people poor making it impossible to get financing for lifes basic needs that are ridiculously overpriced to start with. Throwing on XXXX % on borderline predatory loans and credit cards taking advantage of people who have no other options. I am disgusted and theres no where to turn. Its just sad, this isnt the XXXX my grandfather fought for.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect personal information I need to have removed from my credit report immediately.
Product: Checking or savings account

XX/XX/2020 - at my request, XXXX sent me written instructions pertaining to how and the amounts I can transfer, FROM my XXXX accounts to another bank. 
XX/XX/2020 - based on the rules XXXX provided ( I was allowed to transfer a max of {$10000.00} per transaction ) I attempted to to transfer {$5700.00}. This was within their online banking. It had worked in XXXX, XXXX. However, at this time I was not permitted to make this transaction. 
I spoke with XXXX, XXXX and XXXX who did not offer any explanation ; but I was given a ticket number of XXXX Since XX/XX/2020 I have called their customer service ; I have written to their officers ALL with no success. A XXXX did call me back and although apologetic, did not have a solution or any explanation for why this is happening. She also has no workarounds to offer. When I suggested they wire my funds immediately, she could not comply. 
XXXX is not permitting me to transfer MY MONEY. They can not provide an explanation. They do not return my emails. Each time I call for customer service, I sit in a queue for at least 18 mins, then they conveniently disconnect me. This has been an open case/ticket since XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report, I notice d a Hard Inquiry f rom  XXXX   XXXX  on    XXXX   XXXX     2016. I ma de no attempt to apply for any credit through   XXXX   XXXX  , and in my attempt at mortgage financing I was lead to believe that the number of inquiries on my account contributes to lowering my credit score.