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

TransUnion claims that the only way to get them a police report indicating fraud from my credit report is to use the USPS and mail it. I have already sent them a paper copy of the report, which was apparently lost in the mail with all of my credit information on it. They also claim that until the police report is received there is nothing else they are able to do. Am I going to have to take legal action to correct these? Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is about the following accounts : COLLECTION : # XXXX, which you claim, I owe [ {$3000.00} or my account was charged off {$3000.00} ], This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX REPORTED THE HISTORY OF TRANSACTION AND EXPERIENCES BETWEEN ME THE CONSUMER AND MILESTONE/CONCORA CREDIT TO XXXX, XXXX, AND EXPERIAN WHICH IS ILLEGAL TO REPORT 15 US CODE 1681a ( D ) ( 2 ) ( A ) ( i )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with none of these creditor and do not have a contract with collection agencies. They did not provide me with the original application like i asked and they keep sending me automated responses
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX has been on my credit reports for months. XXXX and XXXX have removed the debt as XXXX XXXX has refused to send me a validation of debt per my letter to them. Trans Union is the only company not respecting the laws and cease and desist despite numerous attempts along with XXXX XXXX. I've attached the signed certified green card from XXXX  showing they did receive my letter AND the letter attached to Trans Union to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXXXXXX XXXX XXXXXXXX & XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

LexisNexis has unlawfully refused to conduct a proper investigation into the inaccuracies I disputed, despite receiving all the necessary forms of identification required under the Fair Credit Reporting Act ( FCRA ). I submitted my dispute along with clear and valid proof of identity, yet LexisNexis continues to deny their responsibility to investigate and rectify the erroneous information. This refusal is a blatant violation of my rights under the FCRA, specifically 611 ( 15 U.S.C. 1681i ), which requires credit reporting agencies to investigate disputes in a timely and thorough manner once notified. LexisNexis is failing to comply with its legal obligations, causing further harm to my credit profile and financial standing. Their actions ( or lack thereof ) are impeding my ability to maintain accurate credit records, and they have shown bad faith in ignoring their statutory duty to investigate my dispute. 
I have uploaded proof of my claims and the exact dispute letter and Identification documentation that was sent to LexisNexis.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card is reporting on my credit file an account and passed due balance that does n't belong to me. This was identity fraud and opened as I was a victim of fraud from two major data breaches. I have done all the steps capital one gas requested but they are still indicating this fraud account under my credit file which is greatly effecting me as it has a negative impact on my score and ratings. Again this card and information they are reporting indr this card does not belong to me. 

They have it listed as capital one XXXX XXXX XXXX XXXX XXXX XXXX Utah Partial account number XXXX ... 
I have reached out to them numerous times and they haven of done a thing to resolve this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX  XXXX credit card account which reflect XXXX and XX/XX/2020 late payments on my credit reports.I had contacted XXXX  XXXX and fix the error and got a confirmation letter from XXXX  XXXX which I sent copy of the letter to all three credit bureaus twice since XXXX of XXXX, but no changes were done I am filing this complain because of negligence of credit bureaus.also attaching letter from XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report a few months ago and realized inquiries reporting that I didn't contribute to. I have disputed the inquiries with the all three credit reporting agencies because i have never done business with the said companies and Equifax is the only company that refuses to remove the inaccurate information. Each time i've disputed, I receive what seems to be an auto generated response, which means that the items haven't been investigated. The following inquiries are : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX & XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX
Product: Mortgage

My name is XXXX XXXX and I am in the process of selling my home. When the title search was done, an old 2nd mortgage/HELOC came up for XXXX. This account originated from XXXX XXXX XXXX XXXX XXXX ), to Suntrust, to BB & T, and now Truist. Back in XX/XX/XXXX XXXX XXXX XXXX, I had done an " in house '' loan modification to where I thought they waived this HELOC but it was not recorded, and I know it would have been up to me to check, but it is not on my credit report and was considered an " unpaid charge off ''. I have not received any correspondence, any mail, calls, emails etc from this company at all in XXXX  years. So, I thought it was a written off account when I did the " in house '' modification. 
However, if I have to pay it, I am willing to do that because I need a clear title to close on my home. I am exhausted and very upset as to how I have been treated by the Truist calls, being transferred to repeated numbers over and over. Countless hours on the phone and not one representative can even find the account. Being passed off and ignored could hinder the sale of my home and cost me huge amounts of money. I emailed XXXX, and finally got a response that they do NOT handle HELOC/second mortgage accounts and exclaiming to me not to email them again. They provided me with some contact numbers and every one of them went straight to the " standard customer service number '', other than one that was for commercial retail ( nothing to do with my issue ). I am being passed off and ignored. 
I have called and called and called, I have a complete list of everyone and all of the phone numbers that I have been passed around to all week, starting XXXX XX/XX/XXXX. I even went into the XXXX XXXX XXXX XXXX XXXX and the representative was unable to help as well. 
The attorney handling the closing has requested a payoff from Truist, however, if they do not provide one, to use a 3rd party company to handle it. I researched this 3rd party and it appears that they only handle " paid in full '' mortgages. 
I am seeking your help to find out how to get this payoff. 
My contact information is XXXX The old account number is XXXX ( I have an old statement from XXXX in my possession ) and it was with Suntrust. 
The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

For the last eight months I 've been trying to have false remarks from two XXXX XXXX XXXX credit card accounts removed from my credit report ; both accounts state that I participated in a financial counseling program, and this is false information. XXXX, XXXX, and Experian list this information on my credit report. I only found out when I tried to re-apply for a XXXX  XXXX XXXX credit card at the beginning of the year, and my application was denied. I 've contacted XXXX XXXX XXXX, and the three reporting agencies, to correct this report numerous times, and have not been successful so far. I 've been in talked with several XXXX XXXX XXXX offices and channels, have submitted written and online disputes, and have been repeatedly transferred between departments. After speaking to several people with XXXX XXXXXXXX XXXX and the credit reporting agencies on XXXX XXXX XXXX confirmed on XXXX XXXX, XXXX that I did n't participate in a credit counseling program, that the information was false, and sent me documentation stating that they had informed the credit reporting agencies to update my report, and due to the error on their part were working to expedite the process of having the information removed. However, over the last two months the same false information kept populating on the report ; I subsequently continued to dispute each investigation. On XXXX XXXX, XXXX a XXXX XXXX XXXX representative told me that the remarks were n't on my accounts on XXXX XXXX XXXX 's end. However, when I tried to re-apply for a credit card with the XXXX I was automatically denied because the credit counseling program information was still on my credit report. This information needs to be removed, by XXXX XXXX XXXX and the credit reporting agencies as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below: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 XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$9100.00} ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15 USC 1681 SECTION 602 states I have the right to privacy. 15 USC 1681 SECTION 604 A 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 a open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

Account number : Capital One Auto Finance I successfully reported my car loan paid in full to Capital One Auto Finance and to the IRS. XX/XX/2022 My account reflected a {$0.00} balance and my title was being processed back to me. My title was sent with a lien still attached to it. 

I paid {$15000.00}. Payment was accepted as well. A Few weeks later my balance returned but the monies I paid into the account were kept by Capital One Auto finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXXk XXXX, has violated my rights 15 U.S.C 1681 section 602A States I the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish without my written consent 15 U.S.C 166B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Checking or savings account

Vystar has blocked me and my dad from accessing our vystar account and it all started on XX/XX/XXXX and we never had an issue before with accessing our vystar account from XX/XX/XXXX when i got my new cable modem until XX/XX/XXXX so i have been in contact with them ever since last Tuesday and i spoke to a total of XXXX vystar representatives and XXXX of them accused me of using a vpn on my desktop and cell phone and i do not allow XXXX 's to be installed on my desktop and my cell phone doesn't even have a vpn on it so vystar rep XXXX asked me last Tuesday to go to my Vystar branch here in XXXX XXXX Fl on Wednesday and me and my dad went and spoke to Vystar representative XXXX XXXX and she can confirm that i did not have a vpn on my desktop or cell phone because i showed her the screen shot of my desktop with no vpn installed and she saw that i didn't have XXXX on my cell phone and she spoke to XXXX on the phone from the Vystar Branch in XXXX Fl and he asked her to ask me to call them when i got home and i did and it was the same routine all over again and i explained to XXXX from the Vystar internet team that i do not have a vpn on my desktop or cell phone and i do not change the settings on my desktop so this morning i called and spoke to XXXX from the internet team and the XXXX  thing he asked was do i have a vpn installed on my desktop and i told him no and then he asked if i changed any settings on my desktop and i once again told him no i have tried to explain to all of them that the error i am getting of you do not have permission to perform the requested action is a server issue and they will blame everyone but themselves for the issue it's like they are literally refusing to fix the issues of not letting vystar members have access to there account and the screen shots i am sending will prove that vystar is intentionally blocking members from accessing there account and for the last XXXX years that i have been with vystar they have never asked me for my social security number or the XXXX digit number of my debit card because i knew my username and password which is kind of odd that they would need that in the XXXX  place since a lot of members including me have the XXXX factor authentication on there vystar account for security reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is obligated by the FCRA to report accurate accounting, consumer has advised ALL inquires reported was fraud, said company has 4 days according to LAW to remove all such items. XXXX is now requesting Experian to provide all documentations used to determine inquiry was indeed authorized by the consumer. Experian has 15 days to provide me with the name of the person they spoke to, documentation used, signed application with the consumer we ink signature, consumer is NOT asking for and XXXX XXXX. If Experian does not have documentation to show these were in the fact authorized it must be removed ASAP. Said the company is liable under the SEC to follow certain rules. I will be filing a XXXXXXXX XXXX XXXX form to audit consumers account. Experian is securitizing consumer a copy of their CONSUMER FILE AND NOT CONSUMER REPORT. 
Per 15USC Code1692g- is a violation FCRA section ( a ) ( 3 ) - a file was open without my permission or consent
Product: Mortgage

When I purchased the home in XXXX I was paying less than {$600.00} a month. Then through out the year it would go up sometimes up to {$900.00} or to {$1100.00} a month. I would called them for the increase. There response was escrow when up. I did not understand what they were telling me. I'm a first time buyer. So do not know much about mortgage. The years when by. I noticed my home mortgage payment would not go down. I complained a few times. Would not get a answer. I felt they were keeping my payments and the balance would not go down. On XXXX it showed balance at XXXX. I bought the house for almost XXXX. Where did my payments go for so many years. On XXXX it showed I owned {$95000.00}. Then it was waived on XXXX. Due to Covid. I was having problems making payments. Then started making payments on XXXX. I noticed the balance when back XXXX {$11000.00}. That was the balance when I bought the home. I called and they won't give me answers. I feel they have and still taking more money for m mortgage. I'm behind XXXX XXXX right now. They want me to pay {$3000.00} by XX/XX/XXXX. I don't have the money.
Product: Credit reporting or other personal consumer reports

Violation of 15 USC 1681i B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I was never notified of reinsertion of deleted item. This is a clear violation of fraudulent item. 
Account : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am filling this complaint today, to inform you that until now, the account listed below still reporting on my Experian Report. You are reporting the account that DELETED from other bureaus. Can you just do your Job, to investigate this account and delete this account ASAP! 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was recently report falsely 30 days late for the month of XXXX even though at the time I was in the process of filling an extension which was granted and I was told they would not report a 30 day late. At that time I wanted to be better safe then sorry so I asked for a letter and the representative I spoke with told me not to worry and I have his word that they will not report a 30 day late. 

I believed that representative but found out a month later that they did in fact report to all 3 credit bureaus a 30 day late. I was able to find out this information through XXXX XXXX. 

I then called several times and I was told the only person that can help me is an individual named XXXX XXXX who is a manger of the entire credit department. When I spoke to he it was as if I was speaking to a robot as she did not listen, spoke over me, proceeded to tell me she could not help me and told me they can not give charity out. 

Needless to say I was very upset and asked to speak to her manager at which point she hung up on me. I then called back several times at which point I was told her manager 's name is XXXX XXXX XXXX who would only communicate to me through email even though I repeatedly called him with no response. He did respond saying that he could not help me and they have helped me in the past and I was luck that I received that and was very cold and rude through his emails. 

Please help me on this matter as I am very unhappy and I still have not resolved this issue and nobody is calling me to resolve.