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

I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from TransUnion, A copy of this dispute will be used as evidence if needed. The following information is being reported inaccurately, falsely and unfairly by TransUnion. XXXX XXXX ... On XX/XX/2018, I wrote TransUnion directly and once again provided them with additional information proving the inaccuracies with the XXXX XXXX listing. Once again they did not reinvestigate or send me results of the dispute within the 30 day FCRA time frame. Attached you will find copies of the letter and the proof that TransUnion received the dispute. A copy of this complaint as well as past CFPB complaints on TransUnion is going to the FTC, Illinois Attorney General, New York Attorney General, XXXX XXXX XXXX and my legal counsel.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Secured Loan Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. $ XXXX off. {$760.00} past due as ofXXXX XXXX. 
Status Updated XX/XX/XXXX Balance {$760.00} Balance Updated XX/XX/XXXX Recent Payment {$100.00} as of XX/XX/XXXX Monthly Payment - Original Balance {$1500.00} Highest Balance - Terms 34 Months On Record Until XX/XX/XXXX This item was updated from our processing of your dispute in XXXX. 

However this debt is unknown to me and was sold to a 3rd party collector. 
XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX it has been paid in FULL by a judgement XXXX XXXX XXXX RE : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Case Number : XXXX Settlement Amount : {$1200.00} Creditor : XXXX XXXX XXXX XXXX. 
Firm File Number : XXXX I have tried to contact XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX for proof of settled account no reply. 

STIPULATED AGREEMENT was started XX/XX/XXXX for $ XXXX Total of {$1200.00} as of XX/XX/XXXX this has been completely settled. This account was never veriefied from XXXX but agreement with XXXX, XXXX, XXXXXXXX XXXX XXXX was made and paid in full. 

Please remove any and all bad reported marks on this account for XXXX or XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX Thank you
Product: Checking or savings account

The XXXX XXXX XXXX assigned to handle the complaints adopted the following tactics : She ignores any fact/evidence she chooses entirely, as if it was not presented to her at all, and when pointed out ( repeatedly ) to address it she states that she already saw it and ignored it, and requests new information to ignore. This obviously leads to a convenient one sided outcome every time. 

This approach is unacceptable. This is not a Wild West but a regulated industry, and such abusive behavior is not allowed. The regulations must be followed, the Dodd - Frank Act in particular.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am a victim of ID TheftXXXX XXXX XXXX XXXX I have disputed item on my credit report due to going through ID Theft. Equifax have removed inaccuracies from my report. The did removed the fraud alert from my credit file, and the freeze. But in retaliation they did a hard credit file lock on my file. I couldnt close on my mortgage or Refinance my car. The company said they creditors need to call them before pulling my credit file. In response the banks said they will not follow that procedure at all. They said they have many consumers and thats is a banking violation. I called Equifax and they told me that they can not remove the credit bureau lock. I worked with agents that were unprofessional and retaliated against me because Im XXXX, XXXX, and because of the things I disclosed to them about my life that led up to ID theft. The 3 agents in the Office of consumer affairs are : XXXX XXXX, XXXX XXXX, XXXX, and XXXX. Equifax have people in other countries working and they were not properly trained not to discriminate and treat US citizens properly. I am scheduled to hire an attorney to sue Equifax, for pain and suffering, discrimination and violating the FCRA. They do not care and the agents said its nothing they will do the problem has been escalated. One person name XXXX said it has been removed and when the mortgage company pulled my credit she said that was not true
Product: Debt collection

Received a alerts from my credit report that I have a collection that was placed on there fr om amsher c ollection services for  XXXX  I filled bankruptcy last year and included  XXXX  I ask the lady can she send me a copy bearing my signature she said she not sending me anything was really rude then hung up. Call about 5 times to also get there address and repeatable hung up. To Whom It  May  Concern : This letter is regarding account #  XXXX  also accounts #  XXXX  which you claim my account was charged off $ This is a formal notice that your claim is disputed.     I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing th at I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was cancele d. Please also be aware that any negative mark found on my credit reports ( including   XXXX  ,   XXXX    and  XXXX   ) from  your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.     Pending 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 within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for   : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.       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 respon  se, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another complaints to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was getting approved for an auto loan and then I got hit with a bunch of hard inquiries including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX, and an XXXX XXXX XXXX XXXX # XXXX on my XXXX and trans union XXXX XXXX XXXX XXXX XXXX on my trans union.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XX/XX/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 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

I sent a letter to TransUnion to file a dispute on my credit report and I'm not happy with the investigation results because the negative information on the report still remained even though there is no proof that I opened the account. The following account is opened as a result of fraud and I'd like TransUnion to remove this account off my credit report : 1. XXXX XXXX I also would like to dispute the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX they kept verifying my info without providing proof
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a agreement with WITH XXXX XXXX XXXX {$41.00} monthly and the account will never carry late fees until paid off. Ihave been paying the agreed amount automattically each month without fail. They are reporting me past due. I am NOT past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of my Hippa rights reporting medical debt these accounts are also from collection company that I have no contract with.
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 and confidentiality under 15 USC 1681.

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 an 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. 

XXXX XXXX : Account # XXXX XXXX XXXXXXXX XXXX : Account # XXXX XXXX XXXX XXXX  : Account # XXXX XXXX XXXX : Account # XXXX XXXX  : Account # XXXX and # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX : Account # XXXX XXXXC XXXX : Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Payday loan, title loan, or personal loan

borrower requested refund of overpayment equal to 5 payments .that account is due for 2020.refunding this amounts are borrowers own money and a credit, it was  denied without reason by XXXX at marlette funding and XXXX XXXX at marlette
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below 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 Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}.
Product: Debt collection

On XX/XX/ a letter was sent to Debt Recovery Solutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX to attempt to validate a debt they have on my credit report in the amount of {$680.00} ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX ). The return receipt was signed for by what looks like a XXXX on XX/XX/ and the company has refused to validate the debt or send any information about the debt. This debt under law should be removed immediately from my credit report for their failure to follow the law.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for financing of a consumer private purchase, a XXXX to be specific. The website uses Credova as a " Financing Service ''. What it really is is a scam to get consumers to pay a 100 % interest rate on a " closed ended lease '' in which they pay an extra payment to own the property at the end of the " lease ''. They also advertise a 3 month buy out for the original price, yet they go on to say it's a 30 day policy on the " leases ''.
Product: Debt collection

I have been dealing with Bayview loan services for approximately 3yrs now since they bought my Mortgage from XXXX. I fell behind on my Mortgage when I was laid off by my employer. I have been in a modification program with Bayview and during this time I've had difficulty contacting them to make my monthly payments. I've spent days trying to contact Bayview to make my trial modification payments. Just recently they refused to take my monthly payment stating that they were missing a signed document. Mind you I've been making payments on the modification up to this point. Because they refused the payment it voided my modification program and now Bayview is filing for foreclosure on my home. How is this legal? I was approved for the modification program by Bayview and had been making my monthly payments on time and they randomly refuse my payment. How can I save my home? I don't want to sell my home nor do I want it to be foreclosed on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I was never late on these accounts. There are multiple errors shown in my report. Please check the last payment, the account number, etc. These are good standing accounts. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$29000.00} XXXX  XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$13000.00}
Product: Credit reporting or other personal consumer reports

I experienced a huge drop of points ( XXXX XXXX ) from my credit score. This has affected me emotionally and my ability to take care of my family. I need help in finding out the reason for this change. Thanks!
Product: Credit card or prepaid card

I have had multiple cards with this XXXX and have always paid my accounts on time. They have closed accounts that were in good standing with no balance like my XXXX XXXX account. They have lowered credit limits on 4 of my credit cards which impacted my credit score tremendously. They are ruining peoples credit and lives. By them closing accounts in good standing and lowering my credit limits after having the accounts 2+ years it has hurt my house buying process. This company needs to be stopped or a lawsuit needs to be filed against them. They do not give you notice of closures or limit decreases until 30+ days after they have done it. My credit has been damaged due to them and their unlawful practices. NOT ONE ACCOUNT WAS OR IS IN BAD STANDING!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was added to my credit report without my knowledge or consent. I am a victim of fraud. This account was added to my credit report one day and it is damaging my credit report and I would like to have it removed. This regional acceptance needs to be removed from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX I have listed the following : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A Section 1 States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 States consumer reporting agency can not furnish without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account was charged off as of XX/XX/2019. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account : XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$1200.00} The following accounts are claiming to both own the same debt, with a balance. As you know this is not possible and also a violation of my rights. Because of this, BOTH accounts needs to be removed from my credit report immediately due to you not properly validating the information in which a company has passed to you. I only had one account with this company. Please delete immediately. 

XXXX
Product: Mortgage

Hello, In XXXX of this year, I contacted my mortgage company, Freedom Mortgage, to ask about the possibility of a short-term forebearance. We went through the process, and I was approved. The agreement was that I would not pay XXXX & XXXX 's mortgage, and that those XXXX months would be added to the backend of the life of the mortgage. In order to be in compliance, I had to make XXXX, XXXX & XXXX 's payments as a " Trial Plan, '' and if I successfully did that, I would be able to keep the rest of my current mortgage " as is. '' ( See attachment " Partial Foreberance Agreement '' ) I did that, completed the trial plan, but when I looked at what my mortgage company was reporting, the showed that XXXX, XXXX & XXXX 's payments were all XXXX days late, which they were not ( see attachment. " Recent Mortgage Payment History ). 

I called Freedom Mortgage to address this, and spoke to a very nice teller, XXXX # XXXX, who understood my concerns, but could not help me directly. He explained that I would have to send a message through the website. I did, and this is what I wrote : " Hello, I am concerned that my credit file is not accurate on XXXX. I called and spoke to XXXX, XXXX XXXX, and he suggested I write to you. Back in XXXX I entered into a forbearance plan. So I did not pay in XXXX and XXXX. But then in XXXX, XXXX XXXX, XXXX, XXXX, and XXXX I have been paying as agreed. But according to my XXXX report ( I have attached a screenshot ) I am not being properly credited for this. I understand that XXXX, XXXX and XXXX are 'trial payments, ' but they are also On-Time Payments, and should not reflect as XXXX late payments! XXXX was reported correctly, but there has been NO update for XXXX, and that was also paid on time. I understand that it is probably too soon for the XXXX ( on-time ) payment to show. This is bringing my score down, and just really looking bad on my credit report. I need this to be corrected As Soon As Possible, as I am applying for a commercial lease and this will be unacceptable. '' They 'investigated ' and refused to update/correct my report ( see attachment " Screenshot of rejection to correct credit report ). I certainly accept that the XXXX & XXXX payments are correctly reported, but it is the XXXX, XXXX & XXXX payments that need to be corrected. 
I understand that XXXX, XXXX and XXXX are 'trial payments, ' but they are also On-Time Payments, and should not reflect as XXXX late payments. Nowhere in any of the paperwork they sent me, did I see that they would ALSO report the Trial Plan Payments as XXXX  days late. This has caused dramatic damage to my my credit report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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