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

My Mortgage is not listed on my TransUnion Credit Report. I've tried unsuccessfully for the past two years to get this corrected. CFPB advised me to work with the FDIC so i contacted them for help. The FDIC investigated and confirmed teh issue was with Trans Union and advised me to contact CFPB for help with Trans Union who has refused to correct my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquires that does not belongs to me please see the list : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5XXXX XXXX XXXX XXXX  XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX 8. XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
XXXX XXXX XXXX section XXXX A. XXXX 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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : XXXX XXXXXXXX Balance Owed : {$250.00} XXXX XXXX XXXXXXXX Balance Owed : {$340.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update these disputed account. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly updated according to Section 1681i ( a ).
Product: Payday loan, title loan, or personal loan

I was in the process of my credit rebuilding journey, didn't know much about maintaining/organizing good credit history. I was on XXXX  and ran across credit rebuilding tips. Self Financial INC/LEA has a ''secured '' credit builder loan. Didn't understand it fully, signed up XX/XX/XXXX for the secured loan of {$530.00} During the Pandemic, I was struggling. Didn't think because it being a secured loan. Didn't thinkt hat it would impact me negatively! I never sent any money or used the account. Now 30/60/90 day ''late payments are on my credit report. I closed the account, disputed with all 3 bureas to have the account removed to no avail.
Product: Credit reporting or other personal consumer reports

With XXXX, I do not have a balance of {$130.00}. A month has passed and this false information is still being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute online on XX/XX/2020. As of XX/XX/XXXX it has been more than 30 days without any results being sent to me. All information disputed needs to be immediately deleted from my credit report as allotted time for Transunion to investigate per FCRA has passed.
Product: Credit reporting or other personal consumer reports

Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on accounts where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following accounts : XXXX XXXX XXXX XXXXXXXX ] [ XXXX XXXX XXXX [ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within FOUR DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports.

I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Product: Credit card

I continue to be charged variable fees for a program called XXXX XXXX on my Citibank card. I never signed up for this program.
Product: Credit reporting or other personal consumer reports

I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. Please remove this inaccuatate information as you are in violation. According to the 15 USC 1681 there should be any damages on my credit report
Product: Credit reporting or other personal consumer reports

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account show in credit report as open even its close, I attach screenshot from my XXXX  credit report show its close
Product: Bank account or service

Citibank held a promotion to give away XXXX XXXX miles for opening up a CitiGold checking account in which i did as long as i met the requirements of 2 bill payments and to spend {$1000.00} within the 60 days from when the account is opened with the promotional code ( which was XXXX ). i met those requirements and even confirmed with Citibank to make sure i met those requirements and to see if i was missing anything else. I was told that i met all requirements and that i shall be receiving my promotional offer no longer than XXXX/XXXX/2016. i have messaged Citibank numerous times, and even opened up cases where results have said that i will be given the promotional offer within 10 days and so but still yet nothing! Also my checking account requires $ XXXX monthly fee which is outrages. They are not keeping their words and i had no choice but to contact you guys. I hope you can help me solve this problem and if possible return some of the monthly fees i was charged for having to wait almost 2 months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a formal complaint against the credit bureaus about a bankruptcy reporting on my credit report. The furnisher removed that bankruptcy and the bureau has not removed the bankruptcy off my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX acct # XXXX is falsely reporting a negative account listing on my Experian Experian credit report that is beyond the seven-year reporting period. This company falsely re-aged the account in order to continue reporting it when it should have been removed from my report at the end of last year. XXXX XXXX has removed their false information from my XXXX and XXXX reports last year. When I dispute with Experian it always comes back verified or the date expected to fall off my report keeps changing. Last year it said XX/XX/XXXX, this year it says XX/XX/XXXX. Either XXXX XXXX is responsible for the false reporting or Experian is. Either way, the negative reporting on the account is beyond seven years from the date of last activity ( XXXX, not XXXX as they falsely reported ), is obsolete and needs to be deleted from my Experian report immediately.
Product: Debt collection

This account show up on my report dont own this account this is not my debt
Product: Mortgage

I REQUESTED MY MORTGAGE STATEMENTS FROM XX/XX/XXXX THRU XX/XX/XXXX, SINCE I'VE NEVER RECEIVED THEM, ON XX/XX/XXXX. I'VE RECEIVED NO RESPONSE REGUARDING THIS MATTER. SEREUS/MR COOPER HAVE ADEQUATE TIME TO SEND MY REQUESTED MORTGAGE STATEMENTS. BY LAW I'M ENTITLED TO THESE STATEMENTS.
Product: Debt collection

This company created an illegal account under my name and they are reporting to my credit report affecting my score and my ability to obtain a mortgage loan. I called and spoke to XXXX different representatives and they keep telling me is a joint account. I called the original creditor for this account spoke to XXXX at the XXXX XXXX department. She verified that the account belongs only to XXXX and they do not have any record of me under that account. I called back the Portfolio Recovery spoke to a XXXX XXXX and he was not willing to research their mistake. Even Portfolio Recovery sent me a verification stating this account belongs to XXXX only and yet they created an collection account linking to this person collection debt.
Product: Credit reporting

I am an Authorized User on a Credit Card account. I have been in contact with my creditors furnishing this account to all XXXX credit bureaus. All except Transunion is not reporting this specific account on my Transunion credit report as well as not reporting on my Account Holder 's Transunion credit report. This account was supposed to be reporting from 2015 and we did not take notice of this unreporting until recent months when our credit scores were significantly lower than other credit bureau 's and compared what accounts were reporting and not reporting. Twice I have contacted Transunion and twice I came in contact with XXXX Transunion. Despite my informing him that the creditors have been reporting to Transunion, he continues to disagree and tell me that the creditors are n't reporting it and they need to contact Marketing Department directly. I said " Yes my creditors have in fact been in direct contact and I have documentation to show '' and he questions me. I requested today to speak with a Supervisor who tells me same thing as XXXX to have creditors contact Transunion directly. She said her name is XXXX XXXX. I told her I have documentation that Transunion is being contacted directly by my creditors and since she specifies Marketing Department handles the reporting I want the contact info and contact person to address this issue. She replies " I do n't have that information. '' I asked to speak to her Supervisor and she replies " I am the Supervisor. '' Funny how they are scripted to say this and how are we to know if such department exists, and if this department is even the one that updates credit reports. 
My complaint is they need to start reporting information, stop lying to consumers, and work faster to get matters resolved. This is months of good data going unreported!!!
Product: Credit reporting or other personal consumer reports

All negative things and personal information on any and ever credit reporting act needs to be deleted prudent to the fair credit reporting act. All enquirers all
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc . ) Due to inadequate customer service And unfair practice, which violate the Consumer Financial protection Act ( CFPA ) Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute and resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fraud transfer act ( EFTA ) and regulations E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau stated XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX, XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX US DEPT. OF EDUCATION/XXXX  Reported : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX DEPARTMENT OF EDUCATION Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, this ground for removal. They also violated my rights under 15 U.S.C. 1681 section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions. They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : the law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They also violated my right 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

I am being billed for a charge that i never charged products on. I have never taken this credit card out and never made an purchases. I had to have been a part of identity fraud. 
NOw i am suppose to go to court over a card that i have never taken out. 

Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I went to my bank us bank XX/XX/22 asked for cashier 's check told them to whom I needed it for they denied me and said they don't write checks for that business.like it's any of their business.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In 2008, my husband, XXXX XXXX XXXX, used my information with his girlfriend to take out a loan in my name. XXXX XXXX and I were in the midst of a nasty divorce when he took these actions. I have submitted several documents showing proof that I was not responsible for this debt ; however, World Finance Corporation can not find him so they are holding me solely responsible for the amount. I have even provided the company with his social security number and birthdate. Unfortunately, World Finance Corporation has not provided me with the original loan documents for verification purposes, but is now attempting to garnish my bank account.