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

Below is my chat log with TransUnion. This should not take XXXX business days to unfreeze my credit report. Also, their list phone number does not work. 

Please try again later. If you need immediate assistance, please contact our Consumer Relations team at XXXX, open Monday through Friday, XXXX a.m. to XXXX p.m. Eastern Standard Time. 

We care about your privacy. Please do not include SSN, account numbers or any other personal information, or submit disputes or complaints about your credit report. 
Thank you for contact TransUnion, my name is XXXX, How I can help you? 
Transunion Support XXXX PM I would like to unfreeze my credit report so a credit report can be pulled. I am receiving this online message : Your TransUnion Credit Report Freeze status is currently : Unknown UNKNOWN The TransUnion Credit Freeze Service is temporarily unavailable. 
XXXX PM Hello XXXX, I do apologize about the issue with the system to unfreeze your credit report, Let me access on your file to check if will be necessary to process a maintenance to complete your request online Transunion Support XXXX PM I asked a couple of times why my status is " unknown '' XXXX PM In order for me to be able to open your file, I'm going to send you a web form link so that you can fill it out with your personal information. Please right click on the web form link and choose Open link in new tab in order to avoid closing out our chat session. Heres the link : https : //www.transunion.com/customer-support/agent-support. Let me know when youve completed filling it out so that I can access your file. 
Transunion Support XXXX PM Completed XXXX PM Thank you, give me a moment please Transunion Support XXXX PM Sure XXXX PM Thank you for your time, let me tell you I was checking your file and it's necessary a maintenance to unfreeze your credit report, for that reason shows the status as unknow, I will need to work with another team to have this resolved. I will schedule a call back once It has been reviewed. This call may take up to XXXX business days. Thanks for your patience while we work to resolve your issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing man I am aware of my unalienable rights which have been infringed upon.I am stopping all communication through medians other than that through Mail as well as a response through the CFPB, I am demanding that you stop all collection activities and that includes reporting anything to my consumer report with the consumer reporting agencies, creditor, and debt collectors. In pursuant to 15 USC 1692C ( C ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I am refusing to pay the alleged debt, and if once again anytime you communicate with me I demand that it must be through mail if not in pursuant to15 USC 1681q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 

I never gave anyone written permission ( permissible purpose ) to furnish my information. I am aware of my open end credit plan as defined in 15 USC 1602 ( j ), With that being said i am also aware of my credit file in pursuant to 15 USC 1681 ( g ) and I want to see the transactional history, I want to see my audit trail ( File : 15 USC 1681 ( g ) ) To verify this alleged debt that you are stating me the living person is obligated to pay i demand my audit trail. If you can not verify this in pursuant to 15 USC 1692g validation of debt then its just an allegation and I will hold someone civil liable in pursuant to 15 USC 1692k Send everything to the address below, and once again that is the only medium of communication We will continue speaking through. 

XXXX XXXX XXXX XXXX XXXX ARIZONA XXXX
Product: Credit reporting or other personal consumer reports

I have disputed this account over XXXX for reporting inconsistent and inaccurate incomplete information on my credit report.according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.this account is violating my federally protected rights.i didn't give XXXX XXXXXXXX XXXX XXXX to share my information with a debt iq data international acount # XXXX XXXX is violating my right to privacy according to15usc 1681s-2 delete this inaccurate inconsistent account immediately.also I want {$1000.00} per violation of my federally protected rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the CONSUMER PORTFOLIO SVC and all 3 credit bureaus a copy of my police report, ID, and my social security card. The companies has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED MY CREDIT REPORT FROM XXXX, XXXX, AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE IS A FRAUDULENT ACCOUNT BEING REPORTED IN MY CREDIT FILE. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO KNOWLEDGE WHO OPENED THIS FRAUDULENT CREDIT CARD UNDER MY NAME. THIS IS A FRAUDULENT CREDIT CARD. THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK AND DELETE THE FRAUDULENT INFORMATION FROM THE CREDIT REPORTS WITHIN FOUR BUSINESS DAYS. XXXX CREDIT BUREAU REFUSED TO BLOCK AND DELETE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit reports I still see the fraudulent accounts, erroneous and inaccurate information reflected in my credit reports. The JPMCB CARD must validate these accounts, this complaint to JPMCB CARD is in line with Section 609 ( a ) ( 1 ) ( A ) and 611 a ) ( 1 ) ( A ). These accounts needs to be corrected and investigated as they totally erroneous.
Product: Debt collection

XXXX XXXX says I owe them XXXX dollars. XXXX   sold/placed this " debt '' with a collection company called AFNI. AFNI placed this collection on my XXXX  credit report. I have sent 4 certified mail letters to AFNI regarding this collection and I have requested XXXX investigate twice. no luck ... I don't think they even bothered to check. according to the collection this account went delinquent in XX/XX/XXXX. I haven't lived in a state that had XXXX  service since XX/XX/XXXX. ALL THEY NEED TO DO IS LOOK AT THE NAME OF THE PERSON WHO PAID THE BILLS BETWEEN XX/XX/XXXX-XX/XX/XXXX ON THAT ACCOUNT and they would quickly realize it isn't me and they would know the responsible party. I did open a cox account when I lived in corporate housing for a couple of years and had the name of the account changed to Assaf at some point between XX/XX/XXXX-XX/XX/XXXX. The only address that I lived at was XXXX XXXX XXXX XXXX XXXX  OK XXXX and Im pretty sure that XXXX is saying I moved. So my point here is ... if the service were in my name wouldn't I have had to authorize moving it to a different address? even though obviously like I said before it shouldn't have been. THIS ISN'T MY BILL and I would have never let it go to collections if I had ANY idea it existed.
Product: Checking or savings account

XXXXXXXX XXXX  concert ticket, they falsely advertised a ticket that has been sold to multiple people. And did not receive the product they were selling. They also falsified information on the way to pay them and charged me twice. One was authorized and the other was not. 2 charges of XXXX dollars on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial has responded to prior complaints that I have set forth with CFPB. Both complaints outlined the issue directly yet Ally failed to respond accurately and actually contradicted itself in both responses. 

Ally account number XXXX is a corporate account for A company. The company was cosigned for by myself. The account never showed up on my personal credit recording until the company fell on hardships and ultimately went under due to a customer not paying the company roughly {$1.00} XXXX. Regardless of the circumstances on a personal level I caught up to reach a settlement with Ally on resolving the corporate failure to pay. As terms of that settlement Ally agreed to remove the trade line info from my personal credit history once payment agreed to was made. Allys terms were that payment must be made to them in certified check form for the amount agreed to an overnighted to them. They also requested we scan a copy of a check along with tracking numbers the day it was sent out, we did exactly what they asked for as part of the agreement. 30, days later we noticed not only was the account show as late payment even a month after they were paid but ALLY claimed to have no records of the payment. We needed to go to our bank and request proof Ally cashed the check. That transaction came back as cashed XXXX. Once we showed proof to ally they then agreed to update the status however have now stated they will not remove the tradeline meaning they didnt get the teems of our agreement with them on resolving an account held be a company year being paid for and resolved by a co signer. 

Ally came back to CFPB In complaint XXXX stating payment wasnt paid even thought it showed it was paid a month earlier. They then gave a response to complaint number XXXX saying it was paid however still not keeping to the terms of our Mutual agreed to agreement in regards to removing the tradeline in full from the credit report. 

I am asking the CFPB investigate into Ally for the fraudulent practices they commited in Deceiving me while I was under the impression they were acting in good faith while working out the settlement agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to XXXX  XXXX in reference to my account ... ..the account status is listed as derogatory with all 3 credit bureaus. Agent states that it's up to the credit bureau to change the rating. I am requesting that the account status be changed from derogatory to paid. As XXXX  XXXX Agent advised me to do
Product: Checking or savings account

This claim dates back pretty far. I received Uemployment during COVID. I didn't use most of the funds because I did not go many places due to having COVID. So, I paid the bills and put the rest up. Since then, I have been trying to get my dispute taken care of. ( I will also attact a screenshot proving that I reached out years back ). Recently, my mother in law passed away, and did not have any insurance policy, so we had to come out of pocket. Me and my wife agreed to cover the cost and get paid back later, because we were under the impression that the money from my dispute was given a long time ago. ( That is due to being told by reps that I did not have to worry they would take care of it ). So, now we are behind on rent and our car note, pretty much every bill we have. I've already set up payment arrangements, and can no longer put off paying everything. I am aware it sounds a little confusing because so much time has passed, but like I stated before, I was saving that money, so there was no need to touch it, check the balance, etc. The card is not where I originally left it, which was in my safe, but I purchased one around that time, and the card was left in my glove compartment until I returned the safe and echanged it for another one. When I did get the safe, that's when I noticed the card was not where I left it. I asked my wife, everyone who was around me right away. I am the only one who had authorization to use it. I just need this resolved and for the time that's passed to not be held against me. 

NOTE : AS I STATED IN THE EMAILS SENT TO XXXX, I WAS DISPUTING ALL CHARGES!!!! ( that is why I did not list any transactions )
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have been a victim of Fraud Since XXXX, I made a police report in XX/XX/XXXX in the city of XXXX texas. As I was called by a XXXX  agency I used to work for telling me that an unknown person came in looking for work using my personal information. I have since battle with inaccuracies on my credit report, I constantly have to monitor my credit report for fraud information. I will be listing the Fraudulent Inquiries on my credit report as they have been done with out my authorization. I can provide my police report I made in XXXX along with letters I have been receiving from the US Department of Justice advising me of being a victim by 3 individuals whom have been indicted using my information. 

XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX PENTAGON FCU PENTAGON FCU, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN THE PAST 3 MONTHS I HAVE PAID ALL MY CREDIT AS WELL MY XXXX COLLECTION > I BELIEVE THAT MY SCORE IS NOT REPORTING PROPER > WITH ALL DEBT PAID OFF ONLY OWEING AUTO AND SMALL PERSONAL LOAN > NO RC. MY SCORE SHOULD BE EASY IN THE XXXX RANGE AND NOT THE MID XXXX XXXX. FICO NEEDS TO RELOOK AT MY CR AND SEE WHY IS STILL THE SAME AFTER PAYING ALL MY DEBT OFF.
Product: Credit reporting, credit repair services, or other personal consumer reports

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.XXXX XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX and Public Information: Chapter XXXX  Bankruptcy: XXXX
Product: Credit reporting or other personal consumer reports

Experian, Equifax, and TransUnion refuse to delete 7 fraudulent accounts + 24 unauthorized inquiries tied to FTC Reports # XXXX & # XXXX. 

**Fraudulent Accounts Demanding Deletion : ** XXXX. XXXXXXXX XXXX XXXX  XXXX ( {$6300.00} Charged Off ) - Opened XX/XX/XXXX ( FTC XXXX ) XXXX. XXXX XXXX # XXXX ( {$11000.00} Chargeoff ) - Opened XX/XX/XXXX ( FTC XXXX ) XXXX. XXXX XXXX # XXXX ( {$1800.00} Derogatory ) - Identity theft confirmed XXXX. XXXX XXXX # XXXX ( {$22000.00} Auto Loan ) - Unauthorized lease XXXX. XXXX XXXX XXXX  ( {$11000.00} XXXX ) - FTC-certified fraud XXXX. XXXX XXXX XXXX  # XXXX ( {$860.00} Balance ) - Invalid reporting XXXX. XXXX XXXX XXXX  # XXXX ( {$570.00} Balance ) - No signed contract **Unauthorized Inquiries ( XXXX ) : ** - **Experian** : XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) - **Equifax** : XXXX  XXXX XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ) - **TransUnion** XXXX XXXX  XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) **Violations : ** - **FCRA 605B** : Failed to block identity theft accounts - **FCRA 611 ( a ) ( 1 ) ** : Used e-statements ( 16 CFR 603.3 ( p ) ) instead of wet-ink documents - **12 CFR 1022.41** : Incorrect Metro 2 coding of " Paid as Agreed '' on charged-off accounts
Product: Debt collection

I need help. I want to report that IDEAL COLLECTION SERVICES, INC is committing multiple violations to the Fair Credit Reporting Act and this is hugely affecting me. 

I want to mention two serious violations : 1. Reporting an incorrect opening date 2. Charge-off interest. 

Damages : legal advice expenses, not being able to obtain loan, emotional stress. 

Please forward the attached documents to IDEAL COLLECTION SERVICES , INC . 

Thank you so much, CFPB.
Product: Mortgage

they keep taking my money when i pay extra on my principal and telling them on the money oder to apply to my principal only they taking my money and apply it like month payment i more in attachment
Product: Debt collection

This company is violating my Consumer rights by using false, misleading, misrepresentative, and deceptive means. I have made previous attempts to fix this issue directly with them, and they are violating my rights. As a result of this violation, I am entitled to {$1000.00} for every violation I listed. They either pay me or delete these accounts ASAP
Product: Credit reporting or other personal consumer reports

Unfortunately, I was moving too fast when trying to purchase a car and I was lead into a bad deal. I was given a XXXX  XXXX for {$330.00} a month, that I had no aware I was responsible paying. I thought it was a cash car not a loan car.
Product: Credit reporting or other personal consumer reports

these accounts were not mines XXXX XXXX XXXX opened XXXX XXXX, XXXX XXXX Opened XXXX XXXX Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, CAINE & WEINER add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAINE & WEINER has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations ... Their report # XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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

Hello, On  XXXX / XXXX / XXXX , I was trying to settle my charged-off student loans with  XXXX  ( formerly  XXXX   XXXX    )  . Because the of the account status,  XXXX  would not speak to me directly and my calls were automatically forwarded to  XXXX   XXXX   XXXX  (   XXXX   ), their third party debt collection agency. On that date, they offered me a {$18000.00} cash settlement to close out the account, which I was unable to pay so they agreed to monthly payments in the amount of {$250.00}. On  XXXX / XXXX / XXXX , after making all my payments on time, every month, with no issue, I had saved enough to settle the rest of the account and called  XXXX . I spoke with  XXXX   XXXX , a manager, who assured me that if I paid the {$14000.00} that my account would have a {$0.00} balance and  XXXX  would update my credit reports. So I paid the {$14000.00} and was provided a reference number of  XXXX . I received the settlement offer and a {$0.00} balance letter in writing showing that my account was settled in full. I let a couple months go by and my reports are still not updated. I submitted disputes to all  XXXX  credit bureaus on  XXXX / XXXX / XXXX  and it 's still showing that my account is charged-off, with an open balance, a past due amount and payment terms after the investigations were completed. This is not right. I settled these accounts so I could improve my creditworthiness and now it 's almost as if I never made the payment. I even had Transunion re-report that the accounts were 120 days past due on  XXXX / XXXX / XXXX  when I had already settled the account 45 days earlier. Can you please help? I do n't know what is happening.  XXXX  had to get approval from  XXXX  to settle on the account so I do n't understand why they are not updating all of my reports.     I 'm attaching the settlement offer as well as the {$0.00} balance letter for your review.