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

Transunion Refuse to do a proper investigation of inaccurate accounts on my credit report. Disputes have came back verified, which I know for a fact is inaccurate. I asked Transunion the following RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous items on my credit report involving a transaction. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 
I am absolutely certain that the item I disputed is incorrect and unverifiable and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with.Please include all names and contact information of employees that you spoke to act as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter via U.S. Postal MAIL, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully, Trans union refused to send me any data to help with my investigation. So I believe Transunion is in the business of furnishing fraudulent information, because of the lack of following the law.
Product: Debt collection

I came to a settlement arrangement with FAMS on XXXX/XXXX/15 and paid this debt in full on that date. I have the settlement letter stating the debt would be settled with payment and the receipt where I paid. Since then they have continued to bill me and have failed to release a judgment lien against my husbands property. They still show my account with a balance of {$9400.00}
Product: Credit reporting or other personal consumer reports

I had got behind on my payments. When I able to make payments, I logged into the website and it states that I am in collections with XXXX and to call them at XXXX and have to make payments through the collection agency ; {$920.00} for 6 months and they are adding monthly interest of {$76.00} back to my balance. I see the payment of {$920.00} was updated to my account but my credit report shows that I have not made any payment for over 3 months. That's incorrect. 

The website states that my next payment is due on XX/XX/2024 for {$120.00} which is not what was said previously. 

When I look up the debt on my credit report, it's for their previous company name, XXXXXXXX XXXX XXXX. This doesn't even match who they are now. It shows I'm in collection but it is not coming up as a collection on my credit report. They are making even more money on me by adding back interest like they are a collection company. They are supposed to be helping small businesses like myself but are inactuality making money off of us.
Product: Credit card or prepaid card

I received my statement I pay the amount in full before the due date my payment was due XX/XX/2023 I pay the full amount in the bank on Saturday XX/XX/2023 on XX/XX/2023 I received my statement thinking that I was going to have a XXXX balance come to see my statement had a balance of {$16.00} interest they are charging me after the fact of me paying my balance in full I call the credit card company to try to resolve the situation but they said that they couldn't do nothing for me and that I had to pay the {$16.00} interest which I think that's very unfair knowing that I went to bank before my due and to charge me after the fact its very unfair I was so frustrated that I decided to cancel the credit card I will no longer be dealing with chase!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion will not fix a problem on my credit report even though the creditor has already updated and reported to them that this was an error. I thought this information was corrected but it is still showing up on my credit report as 120 days delinquent. This needs to be corrected immediately. I have been working to resolve this for several months and according to the FCRA the credit reporting agencies have 30 days to fix the problem or delete the information if it is not able to be corrected. There were two separate accounts under the same account number both needed to be addressed but TransUnion only addressed one. Original account balance {$6000.00}. Per the letter attached from XXXX the delinquency was an error on their part. This should have been easy to determine as I have been having this " investigated '' for several months. Each time the response is that it was " verified ''. Obviously it was not verified. See attached documents!
Product: Credit card

On XX/XX/XXXX and XXXX I attempted to book a flight with XXXX XXXX. The initial XXXX attempts left me stranded. I eventually spoke with an agent who told me that my charge for the entire flight will be {$430.00} and that he would refund the other XXXX attempts XXXX was {$390.00} and the other was for {$450.00}. XXXX he did not refund those the cost for those flights so I disputed them I was issued credit and those credits were reversed after the credit card companies so called investigation, I believe that the disputes department for XXXXXXXX XXXX is lazy, incompetent and XXXX decision influenced the outcome that they made and that decision has cost me nearly {$1000.00} of being overcharged and this is unacceptable included with this complaint is a copy acknowledging the unfulfilled refund from XXXX XXXX.
Product: Debt collection

In XXXX XXXX XXXX I contacted my XXXX XXXX XXXX XXXX XXXX to consolidate my credit card debt. They proceeded to send out checks to these companies to pay off my debt. One of these checks was to XXXX XXXX  Which they took and then sold my debt to midland credit management. They are still reporting I owe them two years later.
Product: Money transfer, virtual currency, or money service

I have been with Elite DMS for the past 4 years. Their mission was to take my credit card debt, dispute them and get the credit card companies to settle for a less amount than what I owed. I have paid XXXX a month for all this time and they have yet to settle them and some I have that I have had to pay out myself to keep from having judgment put against us. I have paid out XXXX dollars to this company and still no results.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

The following fraudulent Inquires have been reported on my credit 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 XXXX XXXX XXXX XXXXXX/XX/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 and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/202XXXX XXXX
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

KOHLS/CAPITAL ONE XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit card

I TRIED TO MAKE PAYMENT WITH MY AMERIAN EXPRESS CARD TO XXXX CELL PHONE COMPANY FOR XXXX AND TWO TIMES THE XXXX SITE SAIN IT COULD NOT TAKE THE PAYMENT DUE TO INSUFFICIENT CREDIT AVAILABLE. i CALL AMERICAN RIGHT AWAY AND THE REP SAID SHE DID N'T UNDERSTAND BECAUSE THERE WAS MORE THEN ENOUGH CREDIT LINE TO PAY THE CHARE AND AT THEIR END IT SHOWED XXXX CHARGES FOR XXXX BECAUSE WHEN AFTER MAKING THE FIST ATTEMPT AND IT WOULD ACCEPT THE 1ST CHARE I TRIED AGAIN AND XXXX WOULD NOT ACCEPT, tHE REP SAID THE CHARGES WOULD DROP OFF AFTER XXXX 10 DAYS AND WOULD BE PUT BACK ON MY ACCOUNT, HAVING FAITH THAT IT WOULD I MADE A XXXX PAYMET TO MY AMERICAN EXPRESS CARD AND LATTER THAT WEEK I TRIED TO PAY MY XXXX BILL FOR XXXX same thing happened, i spoke to customer service on XXXX XXXX th to a woman named XXXX XXXX ID # XXXX she assured me by XXXX XXXX the charges would drop off aND WOULD BE CREDITED BACK TO MY ACCOUNT, TODAY IS XXXX XXXX TH NOTHING CHANGED. I CALLED AMERICAN EXPESS AND THEY DAI THEY CAN NOT FIND ANY RECORD OF THESE CHARGES BECAUSE THEY DROPPED OF, CONVIENTLY THERE IS NO WAY TO TO PROVE IT BECAUSE THE RECORED OF THESE TRANSACTION HAVE BEEN REMOVED, MAKING IT POSSIBLE TO NOT RETURN THE XXXX FROM XXXX THAT THEY SAID THEY PAID TO THE MERCHANT? THE REP I SPOKE TO ON XXXX XXXX TH AT THAT PIONT IN TIME INDEED FOUND THE CHARGES AND AGREED THAT ONCE EVERYTHING CLEARED OUT Y AVAILABLE LINE OF CREDIT WOULD BE XXXX, NOW aMERICAN eXPESS SAID TODAY THEY CAN NOT FIND ANY RECORD THAT I EVER EVEN TRIED TO PAY XXXX AT ALL!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of several fraudulent accounts and inquiries listed on my credit report, which I believe were created as a result of a data breach. According to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these entries removed from my report to prevent further misuse of my personal information and to ensure the accuracy of my credit file.

Please delete the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/XXXX, I received a call from ( XXXX ) XXXX from XXXX XXXX regarding some documents that she tried to deliver to a place local car dealership where I purchased a car some time ago. She was rude, threatening and unprofessional so I wanted to report her. She gave me a case number, a local phone number ( XXXX ) XXXX and told me I had a lawsuit pending regarding a {$10000.00} credit card balance from XX/XX/XXXX they claimed I did not pay. They said they sent notices which I never received. They said they tried to deliver documents that there never delivered. I decided I was dedicating my day TODAY to filing complaints on XXXX from this so-called " 3rd party '' agent. As I was browsing on the internet for information, I found many complaints against XXXX XXXX from the state of California. Local number ( XXXX ) XXXX is NOT a working number today. At XXXX XXXX refuses to give me their local address or allow me to speak to the owner or Managing Director at ( XXXX ) XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Service Finance Company LLC I had XXXX XXXX XXXX XXXX to install a shower and remove old bathtub. My credit score did not appear to be high enough to get financing thru them. Then the designer said I can try another source and get it approved. I take full responsibility for not researching the lender they use as stated above.

I am now stuck with a lender who charges {$3.00} per day plus monthly interest. I can never pay this off.

Please look at this for I believe it is predatory lending at its worst!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data breach. Millions of American 's personal information was compromised, and I 'm one of them. In addition to Eqifax 's security measures being not-good-enough, they waited FAR too long to notify consumers, which prevented us from taking timely-enough steps to protect our own credit. 

Add in the facts that top Equifax executives dumped a lot of stock in the company before making this news public, and that the resolution steps Equifax is currently offering their effective consumers require those effective consumers to agree to NOT participate in any class-action lawsuit in order to use Equifax 's provided resolution steps, and the whole thing is unacceptable to consumers.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently reviewed my credit report and noticed that I have an account that is the result of fraudulent activity. This account is not related to any transactions authorized by me : XXXX XXXX XXXX ( Account number XXXX ) in the amount of {$310.00}. Please delete this fraudulent account from my credit report as it is hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

i checked my credit report XX/XX/XXXX and noticed there was fraudulent accounts opened up XXXX XXXX XXXX XXXX
Product: Debt collection

i recieved a collection notice from a legal firm along with a court with an post judgment remedies interrogatories From State Of Connecticut XXXX Court. 
Date of judgment. Amount XXXX XXXX, 2001. XXXX awarded to ASSET ACCEPTANCE LLC # illegal practice # XXXX Accet Acceptance illegally setteled a Debt through My Father without my knowledge but they had me give authorizatin without verification
Product: Mortgage

My father XXXX and I am receiving a demand notice on his reverse mortgage. The uploaded demand notice from the lender, Champion Mortgage, gives me 30 days to pay in full before they initiate foreclosure. XXXX see options A, B, C, or D ) When I called Champion Mortgage I was told they would give me 75 days to submit my intentions with the property or ask for an extension. When I called, I was told they will not put these options in writing. Instead I get the following what I call scare tactic from Champion Mortgage.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute inaccurate and misleading information that appears on my credit report from Experian. The following accounts contain incorrect information that is negatively impacting my credit score, and I request that they be thoroughly investigated and corrected or removed as necessary. 
XXXX XXXX XXXX XXXXXXXX ( Account # XXXX ) * This secured card account is reported as open and in good standing. However, the payment history reflects that no scheduled payments were made after XX/XX/XXXX, which is inaccurate. 
* The balance history shows a {$0.00} balance with repeated payments marked on XX/XX/XXXX, but no ongoing activity. I request verification of these records to ensure accuracy. 
XXXX XXXX XXXX XXXX ( Account # XXXX and XXXXXXXX XXXX  ) * These accounts are marked as " Potentially Negative '' despite being paid and closed. 
* Both accounts reflect late payments ( 30 & 60 days past due ) in XXXX and XXXX, which I believe were either reported incorrectly or should not be factored into my credit score due to their age and resolution. 
* Additionally, I have disputed these accounts, and the reinvestigation conducted in XX/XX/XXXX did not provide adequate justification for maintaining these negative remarks. 
* One of these accounts states, " Account paid from collateral, '' which I believe does not accurately reflect the terms of repayment and should be corrected.

I am requesting the following actions : 1. A full reinvestigation into these accounts under the Fair Credit Reporting Act ( FCRA ) to verify the accuracy of the reported information. 
2. Removal of any incorrect late payment notations and the " Potentially Negative '' label on accounts that have been fully paid and closed.

3. Documentation from the furnishers confirming the accuracy of these reports or immediate removal if they can not be verified.

I have attached screenshots of my credit report reflecting the disputed accounts for your reference. Please update my credit report accordingly and provide me with written confirmation of the outcome of this investigation.

Thank you for your prompt attention to this matter. Please contact me if additional information is required. 
Sincerely, XXXX XXXX