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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Transunion requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XX/XX/2022, and to notify them that I am halfway to taking lawful action and litigate Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Crdit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXX Acct : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states a 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 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

Phoenix Financial Services is attempting to recover a debt of {$2000.00} that is not mine. I have never had a contract or account with them. Thy even state in their letter that they are not the original account holder and that it was XXXX XXXX XXXX. I'm not familiar with them either. If I have no written contract with Phoenix Financial why are they trying to collect a debt from me for another company? I request validation of this account with original documents showing itemized charges. Not photocopies, but originals with wet ink signatures on it. I doubt that they can produce these documents. And if they do have them and they are not a licenced medical facility but a collection agency then that is a clear case of a HIPAA violation and possibly FDCPA violation. I have sent a cease and desist letter directly to Phoenix Financial disputing these charges and account about two week ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not delete fraudulent accounts that did not belong to me even after I filed a police report with the XXXX Police department, case number XXXX. After my own investigation and calling XXXX/ XXXX  fraud department at XXXX XXXX XXXX XXXX XXXX those three accounts did not belong to me. On a hunch, I looked into my husbands prior credit reports and bankruptcy filings ( XXXX ) and discovered that the XXXX XXXX account belonged to him which Ive never been a joint owner.
Product: Debt collection

I disputed the {$630.00} debt with CMRE, and they ended up putting another {$200.00} debt on the report. As I had anticipated after filing a dispute they admitted the {$200.00} debt was past the statute and removed it but didnt remove the {$600.00} debt.

CMRE is stating that the validation letter i had sent them as my dispute had incorrect account number, however, the account number was from my credit report, Attached is the screenshot of my XXXX credit report with correct account number.

CMRE is in violation of the FCRA and the California Credit Reporting Act, as they have failed to mark the account as disputed. This is my final warning as I will proceed to file suit for this and seeking damages, if CMRE does not remove the remaining account from the credit report.

Attached herewith : 2. SC-100 form
Product: Debt collection

In XXXX I was served for collection on a repossession. The debt was charged-off and sold to XXXX, XXXX. I went to court, and worked out a payment arrangement with the creditor 's attorney ( Stokes & Wolf , P.C . ), so a judgement wasn't granted or entered in the court. I was paying on the payment plan for several months until I defaulted in XX/XX/XXXX. 

The creditor 's attorney sent me a letter, appearing as if it was responding to a judgement. The letter is on the county court format, and states " Notice to Judgement Debtor Pursuant To Section 24-33.5-704.3, C.R.S. '' The form is dated XX/XX/XXXX, but it states " This form is applicable until XX/XX/XXXX, unless extended by the Administrator to a date not later than XXXX, XXXX, XXXX '' I feel like the creditor is trying to intimidate me, or scare me into thinking that a judgment has been issued, but I contacted the county court and they have no record of the case number. Additionally, I did a statewide public record search, and checked my credit reports, and there aren't any judgements in my name.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. 
the list of accounts below has violated my federally protectected consumer rights to privacy and confidentiality under 15 usc 1681. 
account name : # XXXX XXXX XXXX account name : # XXXX XXXX XXXX XXXX account name : # XXXX XXXX XXXX  account name : # 4 Dept of EdXXXX XXXX has violated my rights. 
15 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 or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX I Balance {$310.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$340.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$1200.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$110.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$100.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$65.00} Open Date XXXX XXXX, XXXX inquiries XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wednesday XX/XX/XXXX I contact XXXX XXXX in regards to the excess of credit inquires on my credit report. I spoke to a rep By the name of XXXX XXXX. I explain to him clearly that the information on credit report was due to the recent security breach that XXXX XXXX tries to fix but failed miserably. XXXX XXXX has put this unverifiable inaccurate frivolous information on my credit report and refuse to remove. The unauthorized information has brought my score down 9 points. Here is a list of inaccurate inquires that are reporting. 

XXXX XXXX on XX/XX/XXXX XXXX XXXX REPEATED XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Walmart decided to replace my years old Walmart Mastercard provided by XXXX XXXX, which I would not be liable for unauthorized use. 
Walmart.capitalone.com sent me a replacement card ( same # as before ) which had the red/yellow circles like mastercard but did not have the words '' Mastercard ''  on the card for me to activate. Several pages ( 3 ) stating the revised changes for this new Capital One card, payments, interest, etc. everything was good to go. They did suggest I read the enclosed CAPITAL ONE World Mastercard Guide To Benefits, 10 pages of small print. 
Unauthorized use is now limited to {$1000.00} per claim, and a limit of one claim per 12 month period. 
Calls to Mastercard, told " NOT OUR CARD ''. 
Calls ( 4 total ), to Capital One finally got the card canceled. 

SOMETHING BAD WRONG GOING ON HERE, BUT I AM FINISHED WITH THEM.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I made the decision to close this credit card after numerous issues with XXXX XXXX issued by XXXX XXXX XXXX. I contacted them via phone to initiate the account closure and at about the same time revoked account access to my checking account with XXXX via a third party app called XXXX. This app enables a company to see an account holders balance and transaction history within my personal checking account. The day of that call and prior to closing the account I used the lenders app to initiate the payment of the majority of the balance due them. 

Within days of closing the account I no longer had access to the XXXX XXXX app or website for current account balance and to make debit payments from my XXXXXXXX XXXX  account as payment to XXXX XXXX. This lender also does not accept payments pushed from my bank to them via XXXX. I should also mention that auto pay was set up on this XXXX account to ensure that a payment due was never missed. 

Based on my experience, conversation with XXXX bank and my numerous attempts to get answers from XXXX, it appears that when I revoked permissions via XXXX this lender automatically stopped sending XXXX debits to XXXX for payments whether payments I requested or auto payments. They simply stopped and as a result have reported my account as delinquent, charged erroneous finance charges, refused to resolve the issues and made numerous claims that my bank reversed payments when in fact they reversed the payments and never submitted them into the XXXX clearinghouse. 

I was able to pay them {$320.00} via check on XX/XX/XXXX check number XXXX. They did successfully apply that payment to my account but now insist that i still have a balance for finance charges. They have also reported the account as 60 days late to the credit bureaus.
Product: Debt collection

On XX/XX/2013 I received a letter from Portfolio Recovery Associates stating that I owe {$400.00}. Also on that same letter was a note giving me a chance for a settlement to clear off my debt. As I contacted the debt collection office some time later and was told that my debt was reduced to XXXX. I agreed to the amount and proceeded to pay. As the debt was paid off on XX/XX/2013, a confirmation number was given to me with an additional {$9.00} added on because the debt was paid over phone using a debt card. The representative declare that the payment went though and I was good to go. A confirmation letter was never sent to me. The company since then has not taken my name off the collection list for debt and has been repeatedly calling informing me that there is no record of me paying and even refuse to look up my confirmation number as proof that I paid. That debt is impacting my credit score and even as of now conflicting with my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN ASKING FOR VALIDATION AND VERIFICATION ON INACCURATE ACCOUNTS ON MY CREDIT REPORT FROM XXXX   AND THEY REFUSE TO SEND ME THE INFORMATION IM REQUESTED. I HAVE CALLED AND SPOKEN WITH SEVERAL REPS AT XXXX ABOUT  THE INACCURATE REPORTING AND ALSO HAVE MAILED INFO SUPPORTING THAT THE INFORMATION THEY ARE REPORTING IS INCORRECT. XXXX CONTINUES TO STILL REPORT INACCURATE AND FALSE INFORMATION. IVE RECEIVED INFO STATED VERIFIED BUT XXXX REFUSES TO SEND ME THE INFORMATION ON HOW THEY VERIFIED AND WHEN. BELOW I HAVE PROVDER COPIES SHOWING THESE PAID WERE PAID IN FULL AND ARE NOT UNDER BANKRUPTCY. 

ACCTS DISPUTED AND XXXX REFUSED TO CORRECT : 1. XXXX XXXX XXXX- XXXXacct # 2.XXXX XXXX XXXX XXXX-PAID-XXXX acct # 3. XXXX XXXX XXXX PAID-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Auto account number # XXXX need to be updated on credit report. Account shows included in bankruptcy but account has been being paid since XXXX all the way XX/XX/XXXX and was paid in full. Td Auto has recently reported that this account was included in bankruptcy was that is not the case I have attached payment history and paid in full letter from TD Auto Finance and is requesting my credit report to be updated.
Product: Credit reporting or other personal consumer reports

I took a loan with XXXX XXXX in XXXX to alleviate some of my financial burdens along with potentially purchase a new vehicle, everything with them was great in the beginning and they were helpful a few times throughout my loan process and I am thankful for that. However, I have gotten terminated from multiple employers along with losing my vehicle, my home, close people in my life, being cut off and disowned by people in my life due to personal reason in addition to my financial burdens. I have been on the streets, shelters, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and denied unemployment benefits. I have not been able to get steady employment other than under the table which barely makes ends meet, I have explained everything to them, but they are empathic to a point. I try to condone myself professionally, however as a consumer I should have a right to speak out about how I feel about things and my feelings. I have worked since I was XXXX, despite the abuse I received from the age of XXXX and has been ongoing. I have going through emotional and financial stress ( as well as duress due to the current and past issues ).
Product: Credit reporting or other personal consumer reports

I telephoned XXXX in reference to the wrong name, job employment, and address on my credit report. The rep told me they were removing it from my credit report on XX/XX/year>. My credit was pulled on XX/XX/year>, in it was not removed. 
My name is not XXXX XXXX XXXX XXXX. I never lived at either of these address XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX La or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX. I never worked at XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I sent out over several letters to this company they lied to you guys and said they validated this debt but they didn't send me in the requested documents I ask for there for this debt is not validated. 
I asked for a singed contracted ( loan agreement ) with my signature on it with a copy of my ID. and proof that they agency 's license to collect in your state there also reporting on my credit report as open I never open an account with this company there reporting illegal on my credit report.
Product: Payday loan, title loan, or personal loan

I pay XXXX a month twords my loan. Moved my payment of XXXX to the XX/XX/XXXX. Now there trying to charge me XXXX Monday for no reason. I'm not late on any payments and you can not get incontact with the company. They don't answer phones. Emails or socal medias. I owed XXXX now it's jumped to XXXX. I only borrowed XXXX. You can't get a hold of anyone to figure anything out.
Product: Consumer Loan

I have had a loan with Security Finance for over 2 years now. I have faithfully paid and renew my loan multiple times. One day I called to see if I was renewable and was told by XXXX that I was renewable for over {$200.00}. I told him i would be in on my lunch break to renew that loan. When i got there, XXXX told me once i renew my payments would go up {$20.00}. We signed the papers and i got the money. One day I was not able to make a payment on time, so i decided to ask for my principal and remaining balance. XXXX informed me that my balance was over {$1500.00} for a {$1000.00} loan, and I asked how it was that high because i had made previous payments before calling. He then decided to inform me that back in XXXX when he told me I was renewable for over {$200.00} that my loan was actually increased and not renewed. I then informed them through SEVERAL letters that I would not be paying that loan because I came in on the assumption of renewing my loan and not increasing because I could not afford a increase at the time. I feel like they were obligated to let me know that they were increasing my loan and not renewing it like they told me on the phone. By them increasing my loan without me knowing and having me come in on a renewal assumption I do not feel like I am responsible for that. They should have informed me. They call me several times and day and they call my job as well. The last person that called my job from there was XXXX and he had the nasty attitude with me and wanted to know why i had an attitude because i sure didnt have one when i came to get the money. I then informed him that I had an attitude because they failed to inform me that they were increasing my loan and had me come in on a renewal assumption. I however am still not paying them whatsoever with this loan and they have ran my credit score to XXXX. Is there anything other than not paying them that I can do about this situation?
Product: Debt collection

There is an unknown item that appeared on my credit file that is brand new reporting for {$270.00}. I have no idea what this is and want it removed.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed from my credit report
Product: Payday loan, title loan, or personal loan

Apparently XXXX sold my payday loan to XXXX XXXX XXXX who hired XXXX XXXX XXXX. XXXX XXXX keeps blaming everyone else. They are calling all my employees constantly, my Dads ex wife, calling my store telling them I have a legal issue with an unpaid debt and I'm about to face legal action and they are giving XXXX XXXX name, number XXXX and my case number XXXX. I called them and they said I have a wage garnishment, I looked it up and it's not there. They payday loan is for {$600.00} & they said I owe {$4800.00}. I have not been contacted till now, this is from 2015. I do not know if this is legit and company can not answer my questions. They keep threatening me with legal proceedings.
Product: Credit reporting 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 to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX - ACCT # XXXX XXXX XXXX - ACCT # XXXX XXXX XXXX - ACCT # ****** has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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. 15 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 or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ).

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 


Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ..promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have not had access to my unemployment benefits at all since I started receiving weekly benefits seven weeks ago. My benefits were issued to an old card that was expired and I also no longer had access to either. I have called US Bank Reliacard numerous times over the past seven weeks, each time remaining on hold for a minimum of six hours and twenty minutes. I have been told that they are unable to send me a replacement card because my address in their system is still my old address from 2016. They have told me that they can not update my address and only Louisiana Workforce Commission can update it. However, my address is correct in the Louisiana Workforce system already and has been since I filed my claim seven weeks ago. US Bank Reliacard has also told me that they can not transfer my balance that I have no access to onto another card or account that I do currently have access to as well.