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

I am writing due to non-compliance with Transunion. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond and complete its investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mine, and these are fraudulent transactions of identity theft. 

1. XXXX XXXX  services original creditor - XXXX XXXX- {$360.00} Date XX/XX/2023 XXXX. XXXX XXXX XXXX original creditor XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) Amount - {$6500.00} Date - XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - {$690.00} Date - XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXt - {$1300.00} Date - XX/XX/2023 2023
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I received form 1099-C from XXXX indicating that my credit card debt has been forgiven or cancelled. 

However, all 3 credit bureaus are showing owed balance and looks like XXXX did not report it
Product: Debt collection

I have tried numerous times to get them to prove the debt which they have not. I won't to see the signed copy of debt from original creditor. I want to see copies of the paperwork where you legally bought the said debt and it was transferred to you by law I am entitled to those things and have not received them. I have tried repeadly to get them to provide it and they havnt
Product: Checking or savings account

Access to my account was suspended around XX/XX/XXXX for suspicious activity. I haven't traveled or made any transactions outside of my home town. On XX/XX/XXXX I called customer support to resolve the issue, and was told that there would be an inquiry opened into my case. The following day I called again and was told the issue could take 2-10 days to resolve. After ten days I contacted the CFPB to see if they could help unrestrict my account and allow me access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to request information about the account XXXX XXXX XXXX on my credit report EQUIFAX. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.
Product: Debt collection

Choice Recovery - {$130.00} for XXXXXXXX XXXX XXXX XXXX I pulled my credit report because my bank refused to re-finance my home and found out that Choice Recovery XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX has reported a collection on behalf of XXXX XXXX XXXX XXXX. 

I never availed these services and disputed the collection when they sent me the bill. I took my son over there for XXXX XXXX XXXX XXXX but never got it done as they quoted me different amount over the phone but were charging me the double when I went there. I never got his XXXX XXXX and came out of the dental office. I disputed this charge when XXXX sent me a letter and talked to XXXX of their agents as well. XXXX XXXX XXXX XXXX is notorious for charging different amounts to customers and have several review complaints similar to mine. 
Please contact me at your earliest convenience for more details as this is hindering my re-financing and they put a collection for the services never taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested copy of XXXX Report to show bankruptcy is not on credit file. XXXX, Transunion, and XXXX  advised they receive information regarding Public record from XXXX. Sent dispute to XXXX, XXXX, and Transunion regarding the information on credit file is incorrect. They advised the information is correct. Ordered another copy of file from XXXX XXXX and sending information over to CFPB to address the inaccuracy of information regarding public record on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit Bureaus after I purchased a credit report in IdentityIQ. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$2900.00}, XXXX XXXXXXXX Balance : {$7800.00}, XXXXXXXX XXXX XXXX  XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXXXX/XX/2021, XXXX XXXX XXXX XX/XX/2021.
Product: Debt collection

Despite multiple attempts to dispute and rectify the situation, these fraudulent accounts persist, causing unnecessary stress and harm to my creditworthiness. The other bureaus have acknowledged the fraudulent nature of these accounts and promptly removed them from their reporting. I am confused as to how your agency has verified these accounts while XXXX and XXXX have removed them. Please delete this inaccurate, erroneous, incomplete, or unverifiable information from my file. XXXX XXXX, XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have repeatedly requested that you investigate the accounts below and provide me with any Documents to support your reporting. As of today, you still need to supply such documents. 


Accounts : Account name : XXXX XXXX - Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX. Account # XXXX I am requesting, concerning FCRA 611 ( a ) ( 7 ) : A description of the procedure ( s ) used by your agency in my earlier disputes.

All the information you used for your investigation, as FCRA 611 ( a ) ( 7 ) required.

Written proof that you forwarded all the relevant information in my earlier disputes To the creditor. FCRA ( a ) ( 2 ) ( B ) If such information can not be provided within 30 business days, I demand the complete removal of the account from my credit report.

I am keeping careful records of our communications in case I must file a complaint to relief and monetary damages under the FCRA Sections 616 and 617.

After you have completed your investigation, please send the results to me via mail.

Please note I am disputing this on my behalf and have included a copy of my ID to verify my identity.

My information is as follow : Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NH XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a payday loan and cash central was given as an option so I completed the application. I provided them with my bank account number and routing number as well as my debit card number. The loan amount was not deposited and they were trying to charge me a random amount. My account has XXXX dollars so transaction was denied. I just want to make sure I report as I know they might charge me in the future. I will call my bank to cancel my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below :
Product: Debt collection

I am disputing the account referenced above currently appearing on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor of this account.

Additionally, pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt and how this amount was calculated. Please note that this is solely a request for validation of the AMOUNT of the alleged debt, as mandated by 15 USC 1692g ( a ) ( 1 ). 

Below are the details of the account in question : Account Number : XXXX High Balance : {$5500.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5500.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt ; Canceled by credit grantor Original Creditor : Not available Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : Not applicable Past Due Amount : {$5500.00} Account Type : Credit Card Payment Frequency : Not applicable Credit Limit : {$4500.00} I request that you provide the following information : The name of the creditor associated with this account. 
The amount of the alleged debt. 
A detailed breakdown of how the amount of this alleged debt was calculated. 
Please be advised that failure to comply with these requests may result in further action to protect my rights under the FDCPA and the Fair Credit Reporting Act.

I expect a response within 30 days from the receipt of this letter, as required by law. Your cooperation in this matter is appreciated. 

Thank you for your prompt attention to this dispute.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, I've attached a copy of my report to this complaint. Im now requesting you investigate this account and update these payments to paid on time thank you for your understanding and prompt action.
Product: Debt collection

XXXX XXXX2023 I was contracted by this company it was a male asking for information regarding an account that I had with a prior company. I was threatened that I would never be able to have anything if I dont get this account resolved. He then became more aggressive as he saw that I wouldnt comply with his commands.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts are reporting on my credit reports that are incorrect XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

NAVY FEDERAL FORCED ME INTO DEBT.IN XX/XX/2021 I RECEIVED AN EMAIL STATING THAT IN XXXX A {$510.00} CREDIT WILL BE DEDUCTED FROM MY ACCOUNT.A CREDIT THAT I WAS NOT NOTIFIED OF, CONSENTED TO OR WANTED.WHEN I ASKED WHY DID THEY PROVIDE THE UNSOLICITED CREDIT, THEY STATED IT WAS FOR MY OVERDRAWN ACCOUNT, ALLOWING ME TO FULLY ENJOY MY STIMULUS,.. .BUT ; IT WAS DEPOSITED " AFTER I RECEIVED MY STIMULUS CHECK '' CONCEALED.I AM XXXX AND I CAN NOT AFFORD THIS.NAVY FEDERAL ALSO HAS ME BLOCKED FROM PHONE AND LOCATION ACCESS MAKING THIS ALMOST IMPOSSIBLE TO RESOLVE!! THE GLOBAL PANDEMIC AND MY HEALTH IS WELL KNOW BY NF.THESE ACTIONS FIT THE DEFINITION OF PREDATORY LENDING.
Product: Debt collection

I had a derogatory remark show up on my credit report by a company called Credence Resource Management https : //credencerm.com/ They claimed they are a collection agency collecting a debt I owed to XXXX XXXX XXXX  However I have never had an account with XXXX XXXX XXXX  and in fact my credit report does not show an account with XXXX XXXX XXXX XXXX 

If you look at this companies XXXX reviews all of them are the same thing and this company is fraudulent and is just trying to get money from people. 

I am not sure how they can report something on my credit report but I am currently working to get it removed. 

I just hope that this company can be put out of business or at least no longer be allowed to put fraudulent info on credit reports.
Product: Mortgage

In XX/XX/XXXX I was injured on the job. It took about three months for workers compensation to okay the claim, which gave us little income for that three months. We contacted our creditors to let them know our situation including our Freedom Mortgage company. They worked with us with a forbearance program of which we made out payments on time. I was out of work for one year and by that time it showed us way behind on our payments with Freedom.

The Freedom 's loss mitigation had us fill out a packet again to see what they could do to help, but we were also trying to catch up with all of the other creditors. We put the packet together and sent it off for the underwriters and we went on another forbearance. In XXXX of XXXX my XXXX was so damaged I needed it to be XXXX so I was out of work again for another five months before returning to work ; forbearance for that period. Freedom Mortgage seemed to understand and help as much as possible and we were very grateful for it. 
In XXXX or XXXX of XXXX we received a letter from Freedom saying they were putting us on another forbearance for three months of which we were suppose to make the payments each month on time. This payment was of the amount of our normal monthly payment. We complied with their request making the payments and filling out another loss mitigation packet hoping to get what was owed put at the end of the loan so we would be back on track with the loan. The packet was filled out and sent the last part of XXXX and verified they received it by phone. They called back after the underwriters had looked at it saying there were parts missing or not filled out correctly. They were rectified and returned just to get the same message that it wasn't complete. We made the XXXX house payment, but on XX/XX/XXXX we received a letter from Freedom saying " Please be advised that a foreclosure sale of the above-referenced subject property is scheduled for XX/XX/XXXX ''. They also stated that according to their agreement that our loss mitigation application was received less than 37 days before the scheduled foreclosure sale that they don't have sufficient time to review and stop said foreclosure. Also, we came home one day and found a note on our door stating that we had 45 days to vacate the premises. 
The problem I see with this line of thinking is they keep finding little things that stops the process and we need to do it all over again or complete a form correctly. This ate up so much time that it appeared to us that Freedom was just delaying that process so they could foreclose and end the contract : they just want our home it appears and they did whatever needed to be done to accomplish just that. One of the statements made by their representative was " The IRS requires it to be exact '' when in fact I did what was asked on the form. Back and forth for weeks until now we are in this situation and see no way out of it.
Product: Checking or savings account

I opened a Citibank account XX/XX/2024, I set up direct deposit from my job with no issues. I received 2 paychecks into the account and after my 2nd paycheck my account was canceled from fraud. Ive called multiple times and no one has told me the reason my account has been canceled they only said it was fraud. I tried to explain to them that Ive been at my job for 11 years the checks that were deposited were not fraudulent. They told me that there was no information that they could provide and Ill receive my refunds in 90 days.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Hello, My issue is I have been in XXXX XXXX so my pay checks have been late. Between that and the holidays I ended up going negative. I couldnt make it to the bank to put any money in. At one point, I was able to put in {$200.00} but then the fees started, and I had no more money left. I just want the money back, please. 

XXXX {$70.00} XXXX {$35.00} XXXX {$35.00} XXXX {$35.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. First I started getting calls from creditors that were threatening concerning accounts I know nothing about. I decided to look at my credit and noticed addresses I never lived at & fraudulent accounts that don't belong to me. I immediately called the cops to get a report.
Product: Credit card

I requested a statement credit for {$180.00} today. For a stolen payment to my credit card company, and the bogus {$29.00} fee their customer service automation added. 

The other bank ( XXXX ) says there is no record of the payment being returned. The AMEX record consists only of their self-substantiated claim, with no confirmation number from the other bank. {$160.00}, taken on XX/XX/XXXX. The claim it was returned was post-dated on XX/XX/XXXX. They also have to return the {$29.00} returned payment fee, because they lied. Unethical and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX has violated my rights. 
XXXX  XXXX account # XXXX has violated my rights. 
XXXX  XXXX account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights. 
XXXX  XXXX XXXX account # XXXX has violated my rights. 
XXXX and XXXX account # XXXX has violated my rights. 
XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX  account # XXXX 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 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 and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S.C. 1681S-2 ( A ) ( 1 ) A person shall 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

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX, 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I sent a complaint on XX/XX/2022 VIA CFPB PORTAL and I have been calling multiple times to have these accounts removed due to identity theft and fraud, and i already sent your company police report and ftc report numbers!! and I noticed my dispute was cancelled and restarted on behalf of YOUR COMPANY EXPERIAN AND THEN TRY TO COVER IT UP BY RESTARTING MY CASE ALL OVER AGAIN, NOW WHEN I CHECK ONLINE I HAVE A COMPLETELY DIFFERENT DISPUTE ESTIMATED COMPLETION DATE, THIS IS NOT TOLERABLE AND ILLEGAL, this case dispute you keep pushing the dates back, NOW YOU ARE SAYING OVER THE PHONE WHEN I CALL YOU NEVER GOT MY SUPPORTING DOCUMENTS PROVING THAT THESE ACCOUNTS ARE ON MY CREDIT REPORT DUE TO IDENTITY THEFT AND FRAUD. I sent a complaint on XX/XX/2022!! These accounts listed below need to be deleted/removed from my credit report IMMEDIATELY FROM MY EXPERIAN CREDIT REPORT!, XXXX HAS XXXX REMOVED THESE ACCOUNTS, WHY IS YOUR COMPANY STALLING AND DISRUPTING MY LIFE!?. I WILL ATTACH THESE DOCUMENTS AGAIN FOR THE FINAL TIME SUPPORTING MY CASE!!! THESE ACCOUNTS LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. FTC REPORT NUMBER : XXXX - FTC REPORT NUMBER : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! 
I ALSO SENT THE PROOF AGAIN VIA EXPERIAN.COM/UPLOAD SO YOU DEFINETELY CAN NOT SAY YOU DIDN'T GET IT. Collection Account : XXXX XXXX  Account Number : xxxxxxxxxxxx XXXX delete it from my credit report. Collection Account : XXXX XXXX  Account Number : xxxxxxxxxxxx XXXX delete it from my credit report. Collection Account : XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. Collection Account : XXXX XXXX XXXX  Account Number : XXXX delete it from my credit report. I WILL ATTACH THESE DOCUMENTS AGAIN FOR THE FINAL TIME SUPPORTING MY CASE!!! Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I checked my credit expecting to see a rise in my score because I have paid off a collection account in full. XXXX XXXX XXXX XXXX {$870.00}. I Paid through XXXX XXXX XXXX. Instead XXXX XXXX XXXX was dropped from my report and my credit has dropped 21 points. It is supposed to rise 25 points when you pay off a collection account in full. I have a Thank-you letter from XXXX XXXX XXXX showing the amount and that it is paid in full. The original creditor, XXXX XXXX XXXX XXXX, is still on my report showing it was charged off. This is just wrong! I am being penalized for paying off a debt. I filed a complaint with both XXXX and Equifax. They sent their results today XX/XX/2020 and stated that the information is correct and the dispute was closed. How is this possible? I would like them to put XXXX back on my report showing it is paid in full and giving me the corresponding rise in my score ... .. 
Thank-you for your time in this ... ..
Product: Student loan

The company is calling my phone upwards of 30 times a day and when I answer there is only a message. They are also flooding my mail box with mail.
Product: Credit reporting

Trans Union had a glitch in the system that violated the rights of their consumers under section 6.11. As a result I have been gravely effected and my credit score is suffering as a result. No notice of was never given to me which also is a violation. So I am requesting that these following items to be removed : XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX Also I am victim of identity theft which I sent in a VALID POLICE REPORT that was typed and sign along with a official police department stamp that was deem that valid by Trans Union.