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

According to my recent credit report request from Transunion, XXXX, and XXXX and there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED UNVERIFIED PLEASE REMOVE XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX CA XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX LOANMART Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX XXXX  Account # XXXX CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX, MN XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX XXXX & XXXX Account # XXXX CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX XXXX & XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX DOES NOT BELONG TO ME AND UNVERIFIED XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX ) XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE REMOVE ALL FRADULENT INQUIRES : BENEFICIAL DATED XX/XX/XXXX XXXX  XXXX : DATED XX/XX/XXXX, XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX ALL WERE CREATED BASED ON FRAUD AND POLICE REPORTS WERE SUBBMITTED.
Product: Credit reporting or other personal consumer reports

Experian has changed the security freeze removal system. They require logging into an Experian account. Their system does not allow me to log in or reset my password. Their phone service does not connect me to an agent. I followed their instruction and sent them documents including copies of my identification on XX/XX/year> and have not received a response. 

Experian denies consumers removing a credit freeze by changing their system from PIN to log-in. 
Experian denies consumers connect to a live agent. 
Experian did not respond to my written request to unfreeze my credit.
Product: Debt collection

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit report. 
XXXX XXXX XXXX Balance {$8800.00} Original Creditor : Not Available XXXX XXXX. # XXXX Opened XXXX Reported Creditor XXXX XXXX XXXX, XXXX XXXX, MN XXXX | ( XXXX ) XXXX Portfolio Recov Assoc Balance {$1100.00} Original Creditor : Not Available XXXX XXXX. # XXXX Opened XXXX Reported Closed Condition Creditor XXXX XXXX XXXX, XXXX, VA XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT LAST MONTH, I REALIZED MY CREDIT WAS REPORTING INACCURATE ACCOUNTS AND INQUIRIES THAT I WAS UNAWARE OFF. THOSE ACCOUNTS ARE DUE FOR REMOVAL FOR I HAD NO IDEA WHY AND WHEN THEY WERE REPORTING INACCURATELY. PLEASE INVESTIGATE THIS MATTER AND HAVE THESE ACCOUNTS OFF MY CREDIT FILE. THEY HAVE CAUSED TREMENDOUS DAMAGE AND TARNISHED MY CREDIT FILE, IT HAS BEEN HARD TRYING TO ACQUIRE NEW CREDIT WITH THE WAY MY FILE HAS BEEN. I STRONGLY BELIEVE THAT MY PERSONAL INFORMATION HAS BEEN TAMPERED WITH AND WOULD LIKE THESE ACCOUNTS AND INQUIRIES TO BE CAREFULLY INVESTIGATED.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I received notification from my Credit Reporting company that someone applied for a credit card with XXXX XXXX using my name, social security and birthday and this lowered my score by 9 points and will stay on my report for 60-90 days. I contacted the credit reporting company and the credit card company to file a fraud report
Product: Debt collection

While in the XXXX room at XXXX XXXX XXXX, I signed a form to use indigent funds for I had no insurance or job. they kept me in XXXX overnight. That is where this {$450.00} charge is from. I was unaware they were going to charge me especially after they told me the government fund would take care of my charges. I never would have stayed if I had known. Incidentally, they found nothing wrong with me and I had to go to my pcp to get treated. This collection is on both XXXX and XXXX.
Product: Payday loan, title loan, or personal loan

Avant quoted me a payoff and I sent that amount thinking the loan was paid off. Over a year later I learned that the account was not paid off because they quoted my the wrong amount. Once I found out, I called them and requested an explanation. I was sent to a resolution department who never responded to my request. Later I tried again was told that I should have known to make another payment after I sent the payoff. I do n't know why I would be expected to know this information. When you request a " payoff '', the amount quoted should be the amount to pay and close the account. Their unethical business practice has now led to over {$500.00} in additional interest. I do n't feel I should have to pay this as I did nothing wrong.
Product: Credit reporting or other personal consumer reports

I Have been a victim of identity theft. My personal infromation has been used to obtain goods and services. I contaced Equifax and told them that this inquiries are frdulent and provided proof, Even though they told me that this inquiries were verifed Please dispute and remove this fradulent inquiries from my credit report XXXX  XXXX ( Bank ) XX/XX/year> XXXX  XXXX ( Bank ) XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania, XXXX ( XXXX ) XXXX Dear Consumer Financial Protection Bureau S I BXXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : Thrift Investment Amount : {$9400.00} I am disputing this claim due to : I have no knowledge of this account This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim.
Product: Credit reporting or other personal consumer reports

TransUnion is allowing the listed companies to report fraudulent information on my consumer report. I am requesting the removal of the disputed accounts and my personal information from my report as they were not properly investigated. I submitted a divorce decree showing that the reported information should not be in my report. I also sent in valid proof of my identity, but the information continues to be verified and validated with these names not being removed. Additionally, my personal information was affected by the XXXX data breach. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These issues align with my complaint against all three credit bureaus and the data breach with XXXX. The bureaus have admitted that they have not removed the listed accounts or personal information. Under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), the bureaus had only XXXX days to correct these errors. Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Accounts : XX/XX/XXXX opened XX/XX/XXXX XXXX {$330.00} Acct # XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX {$1800.00} Acct # XXXX XX/XX/XXXXXXXX XX/XX/XXXX Acct XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX {$28000.00} Acct # XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$6200.00} Acct # XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} Acct # XXXX XX/XX/XXXXXX/XX/XXXX, XXXX opened XX/XX/XXXX XX/XX/XXXX opened XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX {$280000.00} XXXX XXXX XXXX XX/XX/XXXX Opened XXXX XXXX {$330.00} Acct XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$1300.00} Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First, Let me just say that I have disputed two alleged medical collections with Equifax ( the only collections on my Equifax credit file ) for about 2 years now only for them to say the debt is verified. Now according to the FCRA, in order for Equifax to report this debt, they must provide me with the complete and accurate information from the reporting agency. As you will see from the pictures, they have incomplete data for the collection agency. There is no collection company name, address or phone number for this so called medical debt. Again, according to the FCRA, Equifax must provide this information in my Credit File in order for them to report this debt, so that I may be able to question the collection agency who is reporting this information to Equifax. Also, there are incomplete account numbers but the numbers that they do provide ( which are VERY SUSPICIOUS and I think you'll agree ) are extremely similar with the only difference is one is for {$250.00} and the other for {$350.00}. Also, if you'll take notice that the allege debt for {$350.00} was reported on XX/XX/XXXX and then three months later the allege debt for {$250.00} was reported on XX/XX/XXXX. Seems strange that these two medical collections would be so similar in amounts and allege account numbers to be reported by the same collection company EXACTLY 3 months apart. So to this end, I did some research ( which I shouldn't have had to ) to find out that these two medical collections are being reported by a XXXX XXXX XXXX, XXXX. I have reached out to them several times to get these bogus debts taken care of and removed from my Credit Report to no avail. Back in XX/XX/XXXX, I asked them to send me original documentation that bares my signature for these two debts that says I entered into an agreement with XXXX XXXX XXXX and I now owe XXXX XXXX XXXX " X '' amount. I have yet to receive such documentation. Now, I'm a pretty reasonable person ( more like desperate now that I'm trying to become a homeowner ), I reached out to them again by phone in XXXX of this year and spoke with a representative to try to resolve this debt once and for all. Although, I DO NOT believe this debt belongs to me AT ALL, I just need the collections gone ( to be able to purchase a home ) so I offered to pay them 25 % of the debts as long as they would remove them from my Equifax Credit Report, since the amounts are small. However, the representative told me that they would not be able to delete the accounts ( but they were willing to take my money- go figure ) I would like both of these egregious accounts deleted from my Equifax Credit Report because 1 ) they do not meet the FCRA requirements and they are hindering me from purchasing a home.
Product: Debt collection

In XXXX, the banks were in crisis. We had been given a 2nd mortgage by XXXX XXXX XXXX to put a new addition on our home at XXXX XXXX XXXX XXXX XXXX CO XXXX. Back then, the values of the homes were inflated so the loans could be approved. Shortly after obtaining the loan, the banks crashed. We had our primary mortgage with XXXX XXXX XXXX, one of the largest culprits in the scandal. 

We had purchased a new home, and our realtor suggested renting our old property since we could never sell it and pay of the existing mortgages. We had a renter for a year and he lost his job due to the economic decline back then. The payments were not being made. I worked with a realtor for almost a year to attempt to short sale the house. XXXX approved us moving forward with the short sale if we paid them {$3900.00}, which we did in good faith. We had a buyer and were ready to close. Out of nowhere, XXXX XXXX XXXXXXXX put our home into foreclosure, just a day before we thought the short sale would go through. 

The home was foreclosed on, and XXXX XXXX XXXXXXXX did not take any further action on us however the 2nd we had with XXXX XXXX XXXX would not budge. XXXX wrote off the debt and most likely received a huge tax credit and turned us over to Francy Law firm for collections. 

Francy sent us threating notices to sue and if we didn't settle with them, they would take us to court, file a judgement against us and they could ask for ( and win ) 25 % of our income as a monthly payment. l I was scared, working a full time job and didn't know how to fight this. We couldn't afford an attorney. We believed what they were telling us, so we signed a settlement for the debt for a substantially lower payment than the 25 % of my income. 

The loan started out at {>= $1,000,000} and we have since paid {$35000.00} on a home we no longer have. The foreclosure caused my credit to take a hit for a few years. We still owe a balance of {$37000.00} and we are seeking help/advice if there is anything at all we can do? 

We have paid {$35000.00} in good faith to Francy ... our job with XXXX is questionable. They just laid off XXXX employees and we are looking to retire soon. We would really like to get out from under this if possible. 

Thanks for any help you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Acct # XXXX In accordance with the fair credit reporting act XXXX  XXXX XXXX Acct # XXXX has violated my rights. 

15 USC 1681 section 602 A, 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.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting

I have disputed the Federal Tax lien on my credit report with all XXXX reporting agencies and only XXXX has removed it permanently. I contacted TransUnion last XXXX 2016 and furnished proof of Release of the tax lien and they did not remove it from my file.
Product: Mortgage

Servicer, Select Portfolio Servicing Inc ( " SPS '' ), failed to disclose material facts to Buyer ( s ).

Servicer, Select Portfolio Servicing Inc ( " SPS '' ), intentionally failed to disclose written copy of tenant requested repairs for missing heater that created substandard dwelling to Buyer ( s ) and resulted in eviction of tenants after sale of property.

SPS failed to disclose known material facts to Buyer ( s ) that in turn resulted in financial harm to tenant ( s ). 
SPS knowingly failed to properly dislose material facts even after SPS received CFPB complaint on XX/XX/ ( XXXX ) requesting proper disclosure of necessary repairs and lease prior to the sale of property.
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 privacy and confidentially under 15 USC 1681.

USC 1681 section 602 A -States I have the right to privacy.

USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 c ( a ) 5 No consumer reporting may make any consumer report containing any of the ff information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX {$9200.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX
Product: Bank account or service

I Bank with Suntrust Bank. I get a daily email telling me me balance. On XXXX/XXXX/2015 I got an email saying my account was overdrawn. I had a balance of over {$1500.00} on the previous day. In looking at my charges I saw that a company called XXXX XXXX XXXX had charged XXXX {$500.00} charges to my debit card. I had my card with me so do n't know how they got my number. I have never heard of nor done business with this company. I called Suntrust immediately and reported this fraud. They said it would be investigated. Mean while my account is overdrawn and I have bills set on automatic draft. Several of these bills have come due and Suntrust is charging me overdraft charges of {$36.00} on each one. I am in a retirement home and the money in this account is all I have. Now I ca n't even buy food or gas. I explained to the Suntrust rep. that I am on fixed income and heeded my money returned to my account. I did nothing wrong but am the victim but yet I am being punished because of a theft to me. I feel that Suntrust should put my {$1500.00} back into my account and then investigate all they want. I did nothing wrong to deserve to suffer like this.
Product: Credit reporting or other personal consumer reports

I am a victim ofXX/XX/XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Debt collection

XXXX LJ Ross Associates XXXX XXXX XXXXXX/XX/XXXX {$1100.00} {$240.00} {$35.00} {$100.00} XXXX XXXXThis balance needs to be removed from my credit report. My insurance covered it. 


XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$680.00} {$600.00} XXXX XXXX This balance needs to be removed from my credit report. My insurance covered it. 


XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX This balance is inaccurate and it needs to be removed. 
{$660.00}. 



They called every other day with threatening phone calls. In accordance with the Fair Credit Reporting Act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit card

I attempted to pay my Banana Republic credit card from my new XXXX XXXX credit union bank account. I was informed days later after making the payment online that it did n't go through, although I entered in the right bank account information. Attempted again and same thing, called the third attempt and had a representative enter in the payment information. Days later that payment came back. Days later I was informed that my account had been closed! LIVID I have had that account since I worked at banana republic back in 2004! I have now had to use my XXXX account to pay the bill and zero access to the account. Here 's a thought call a loyal paying member before just closing their account and hurting their credit!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 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