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

XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX DPT ED/XXXX XXXXXXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Bank account or service

On XXXX the XXXX I deposited {$440.00} cash into the ATM at Fifth Third Bank located XXXX XXXX XXXX XXXX XXXX KY. The ATM failed to finish my transaction and gave me my card back however it did n't give me my money or a reciept. I immediately went into the bank and explained to the manager what happened ... she told me due to me not banking with them and having a XXXX XXXX Bank account they are unable to give me my money that I would need to file a dispute with my bank. I did file the dispute and my bank gave me a provential credit on my account to cover the {$440.00} until they recieved the money from Fifth Third ... On Monday evening XXXX/XXXX/15 I noticed my checking account was overdrawn and when I called my bank they said they had debited my account {$440.00} bc they never recieved a response from Fifth Third Bank and they told me I would have to call the owner of the ATM and try to get a refund. 
I contacted Fifth Third Bank first thing Tuesday morning and explained the situation. I was told the manager was on vacation and was given an XXXX number to call. Upon calling the XXXX number I was told they ca n't give me any info I am not their customer ... I then called the bank back and explained again I need this money I am a single mother and this is a lot of money ... I kinda felt like I was just blew off when I got the response " I will have to pull all the records for each transaction that day and it 's probably going to take at least a week for us to figure anything out and I will call you if I find something out next week. '' I have tried to call again and no one will speak with me I just get " she 's working on it and will call you back when she figures it out '' I have also called the reginal mananger and left several voice mails that have not been returned. It seems to me that ATM have camera 's and they should have a log of each day 's transactions and end of day balances. I am not understanding why it is taking them so long to look up infomation that should only take hours to find.
Product: Debt collection

Was told about two debts this company just received. I disputed the debt and asked to see proof of the debt. They did not send proof of the debt, instead they sued me in small claims court. After being served by the sheriff I received a letter listing the two debts. I sent a certified letter back disputing the debts. Now I just found out they won a judgement against me without going to court.
Product: Debt collection

When we bought a new home in XXXX all of our credit cards were paid off. In XXXX we were contacted by a law firm called XXXX XXXX XXXX informing us that we had an out standing balance with Target in the amount of {$7000.00}. At the time we re taking care an elderly parent and I wasn't working so I made arrangements to make payments of {$290.00} a month until paid off and never thought about it again. In XX/XX/XXXX I was contacted again by the same firm saying we owed Target XXXX and they would accept a settlement amount of {$10000.00}. I told them that the debt had been paid off and again I tried to make payment arrangements. I gave them {$5400.00} and agreed to pay {$1300.00} until paid off I made a payment in XXXX of {$1300.00} then I stopped payment in XXXX of any further payments. I received a letter today stating that I still owe {$14000.00}. This is getting ridiculous, they keep refiling the same renewal of judgement dated XX/XX/XXXXXXXX XXXX
Product: Debt collection

Gm. I wanted to have Credit Acceptance investigated and the credit bureaus at fault for keep updating my dispute as VERFIED! I dont recieve nothing as proof showing how these amounts Are! You can't just verify on debt cause the creditors told u its valid..First I see they still reporting that I Involuntarily had the car repossessed when in fact mid XXXX of XXXX I called them and let them know I couldn't pay for the car at that time after being persuade to just call in if future payments couldnt be made but I let them know it wasn't looking good so thats why when the impoundment showed up one morning I gave him my keys ( Is that involuntary? ) Also, SINCE THEN THE CAR BEEN SOLD!. But they are saying I still owe the same amount after making payments over time and still same high balance in which over these few months I have disputed with the company and the 3 major credit bureaus, I just start noticing that every month on this CLOSED account that my balance gets higher and higher, also is being included as a OPEN debt in Balance of all my good standing accounts. I seen on XXXX after trying to research this company that they have similar law suits out against them for being deceitful and overcharging. I hope they not trying this tactic on me and hope this is a mistake. I never denied have a account with them but proof of how I owe this much and documents of how much car sold for and want to know, How they have the Right to keep Reporting to bureaus a different amount ever month? I hope we can find some resolvemment in this concerning matter.
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. 

XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 or other personal consumer reports

CREDIT BUREAU : EXPERIAN FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ACCOUNTS DO NOT BEAR A WET INK SIGNATURE. DO NOT INFORM THE CONSUMER TO CALL IN AND DISPUTE BECAUSE EXPERIAN DOES NOT ANSWER THE PHONE AND THERE HAS BEEN AN EXTENSIVE AMOUNT OF EVIDENCE TO SUPPORT CONSUMER 'S CLAIM. YOU HAVE ALL THE ACCOUNTS AND ALL DOCUMENTATION TO PROVE CONSUMER RIGHTS AND IDENTITY HAS BEEN VIOLATED. CONSUMER HAS MAILED NUMEROUS AMOUNTS OF DOCUMENTATION TO PROVE THAT ALL ACCOUNTS ARE FRAUDULENT, AND EXPERIAN WILL NOT ABIDE BY THE LAW AND REMOVE FRAUDULENT ACCOUNTS. EXPERIAN HAS IGNORE A XXXX C ( CANCELLATION OF DEBT ) STRAIGHT FROM THE COMPANY ITSELF AND THEY REFUSE TO REMOVE THIS ACCOUNT. IT IS FRAUDULENT. EXPERIAN IGNORES FTC REPORT WHICH IS A VIOLATION OF CONSUMER RIGHTS AS TO NO ACCOUNTS SHALL BE ON A CONSUMER REPORT AND A CONSUMER SHALL HAVE THE RIGHT TO PRIVACY. EXPERIAN IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. DO NOT " VERIFY '' FRAUDULENT ACCOUNTS THAT DO NOT BEAR WET INK SIGNATURE THE " XXXX XXXX ''. XXXX AND XXXX XXXX HAVE BOTH REMOVE FRAUDULENT ACCOUNTS FROM CONSUMER REPORT. EXPERIAN HAS MADE SEVERAL VIOLATIONS AGAINST THE CONSUMER. FTC XXXX REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING EXPERIAN TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. EXPERIAN HAS XXXX  DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR XXXX REPORT. BOTH XXXX XXXX AND XXXX HAVE REMOVED ALL FRAUDULENT ACCOUNTS FROM CONSUMER REPORT. POLICE REPORT HAS BEEN MAILED CERTIFIED MAIL STATING FRAUDULENT ACCOUNTS ARE NOT CONSUMERS. IF EXPERIAN DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EXPERIAN FILE NUMBER XXXX. EXPERIAN IS DOING BUSINESS AS ANOTHER NAME WHICH IS XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. XXXX Rights XXXX. XXXX XXXX entered into a registration rights agreement with Experian XXXX XXXX XXXX XXXX Experian is a member of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( FARES ), which in turn is a stockholder of XXXX XXXX XXXX XXXX the XXXX XXXXXXXX XXXX that owns the shares of. I WILL BE FILING FORM XXXX XXXX XXXXXXXX FORMS TO AUDIT CONSUMERS ACCOUNT. EXPERIAN IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized and Impermissible Credit Inquiries ( please see attachments )
Product: Debt collection

I have requested information/ validation on this debt bearing my signature and have not recieved anything stating that I owe this company any money. They have repeatedly responded that they have investigated and verified the validity of my debtand dont even allow me to dispute their claim. I have never done business with Ad Astra, never signed a contract nor do i owe them any money
Product: Debt collection

Credit Acceptance has repeatedly called me several times a day from several different numbers. disrupting me while i work and causing me excessive stress. this intimidation tactic is clearly harassment, and i am still dealing with the stress of it to this day. 

Credit acceptance willingly and knowingly violated my rights, 15 USC - 1692d
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has falsified information violating my right to credit. They have continuously created false inquiries which they have no authorization to, and shared information publicly by doing business with corporations. As stated on the transunion credit report as of today XX/XX/XXXX I have a total of XXXX inquiries : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Several valid requests, accompanying factual documentation, were forwarded to Equifax requesting a thorough investigation be completed to address inaccurate reporting from XXXX XXXX  billing. The university is reporting that I owe an amount of {$4500.00}. This is clearly incorrect and I have attached more documentation to confirm Equifax is simply dismissing any of the documents that I send. They are simply receiving the complaint and closing the issue. XXXX XXXX  has communicated multiple balances owed on XXXX student account and 3 different collection efforts are taking place on one account with multiple unverified balances. These are conspicuous or clear red flags whenever multiple collection parties are communicating multiple balances owed ( which differ in amount ). I am seeing several FCRA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following fraudulent inquiries from my credit report XXXX XXXX XXXX-2019 XXXX XXXX XXXX XXXX-2019 XXXX XXXX XXXX2019 XXXX XXXX XXXX-2019 XXXX XXXX XXXX XXXX XXXX2019 XXXX XXXX XXXX XXXX XXXX-2019 XXXX XXXX2019  XXXX XXXX-2019 XXXX XXXX XXXX-2019 XXXX XXXX XXXX-2019 XXXX XXXX XXXX XXXX XXXX XXXX2019 XXXX XXXX XXXX XXXX-2019
Product: Credit reporting or other personal consumer reports

I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFBP complaint to you today to inform you as well as the Credit reporting Agencies that I have been a victim of Identity theft. This complaint is my 3rd Complaint informing the Credit Bureaus that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agrncies are required to remove any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. with the provisions of the FCRA section 605b, I am requesting that you remove the following accounts completely from my Credit Report ; XXXX XXXX  XXXX XXXX XXXX : {$0.00XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00}
Product: Money transfer, virtual currency, or money service

I submitted an order on XX/XX/2022 for {$3000.00} transfer to XXXX through WorldRemit Corp . 
They did not fill my order and I requested to cancel this order on XX/XX/2022 and they agreed on the cancelation on XX/XX/2022. But I have not receive the money yet. 

I requested the dispute from XXXX on XX/XX/2022, but XX/XX/2022 the bank told me the merchant rejected our dispute. 

I called WorldRemit and XXXX many times. 

The bank said they don't have the money asked me to call the WorldRemit, the WorldRemit said the only authorize the money, didn't take it from my account. It has been released. 

But I didn't get it yet.
Product: Debt collection

I was approved for the credit card. I never received the credit card. Then I got bills for the card. I told them I hadnt had the card or used it even activated it. I was told they would investigate and I never heard anything sense.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report due to a recent data breach. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these unauthorized entries be removed. The following accounts and inquiries are not mine and are the result of identity theft : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit I report I see a number of inaccuracy on my credit report. First I would like to state that I never gave TransUnion written consent to furnish anything on my report. No consent is identity theft and infringement upon my privacy. This damage my reputation with lending institutions and house associations. You didnt do your due diligence with protecting the consumer you vowed in good faith to do so. Theres big violations that I want to point out 1. According to the IRS ( Internal Revenue Services ) income cant be reported as debt. 
2. According to the FDCA a debt collect may not attempt to collect alleged debt in a state/county/ or city in which debt collect is not authorized to conduct business. ( See Exhibit 1 ). This debt collector arent authorized to conduct business in Arkansas or Texas. 
-XXXX  XXXX XXXX acct # XXXX
Product: Mortgage

In XXXX we received notice from Mr. Cooper ( our Mortgage Company ) that our Escrow account showed a shortage and we had to pay it in 1 payment or increase our monthly escrow portion of our mortgage payment. Upon review of the escrow account statements on their own website, there were multiple disbursements and credits, including removal of our " ANNUAL '' property tax amount on a " QUARTERLY '' basis. When we were notified about the shortage, we have had multiple phone conversations with their representatives. One of them they actually called our County with us on the phone and the county stated they had only received the payment at closing in XXXX, and no other payments in XXXX or XXXX, or any over payments. Even after this, the mortgage company is refusing to credit back our escrow account, stating that since the county has received no overpayment, there is no error on their end, yet never addressing the money taken from our escrow account causing the shortage.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXXXXXX I looked at my credit report and noticed some things are incomplete and not accurate. And 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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

XXXX, TransUnion, and XXXX  credit companies are not complying with their own policies in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice of direct dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information and ownership of said account you have posted to my credit file - Acct # XXXX.

The date of last activity, payment history, and status* do not align across all bureaus. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/XXXX ), this notice includes identification of the specific information being disputed : XXXX, Experian, and XXXX   reporting for Acct # XXXX Date opened : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Amount past due : Experian : {$1800.00} XXXX : {$10000.00} XXXX  : {$10000.00} Date of 1st delinquency : Experian XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Last Payment made : Experian not reported XXXX XX/XX/XXXX XXXX   XX/XX/XXXX Reposession : Experian Not reported XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX *****PLEASE SEE  ATTACHMENT WITH FULL LIST OF LATE PAYMENT DISCREPANCIES FROM XX/XX/XXXX THRU XXXX also attached are the credit reports pulled from Experian, XXXX   and XXXX  that show the discrepancies that i'm referring to as proof Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation. 


Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

XXXX v XXXX XXXX, XX/XX/XXXXprovides a cause of action for individuals against furnishers of information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX