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

During this time for COVID-19 many people have been affected with losing their jobs, insurance and their lives. I have been fortunate enough to remain afloat amidst the pandemic and be able to pay my funds although, I too, have been severely affected by the crisis. XXXX XXXX, my lender for my XX/XX/2019 XXXX contacted me and asked if I was affected during this time, and I stated to them " YES ''. They also asked me if I was home and not working. I stated " YES ''. I let the representative know that I was trying to file unemployment and awaiting my income tax return ( which I have not received still ) and the stimulus payment- of which I could send in XXXX payment. A XXXX representative stated to me that no late fees, penalties, or credit reporting during this time would be sent to credit bureaus because of the pandemic issue, they understood and for me to call them whenever I received the stimulus payment of XXXX. Upon receiving my stimulus check, I paid {$1000.00} to XXXX, which covered XXXX and XXXX 's car payment. I also sent a {$500.00} payment thereafter which would cover XXXX. The car payment is only $ XXXX  monthly and due on the XXXX of each month. I received several credit notifications indicating my credit score and points had dropped. Upon further review, I looked at the notifications and it was due to XXXX reporting to Experian ( and the other XXXX XXXX ) that my payments were late and not paid on time. I was livid when I saw this information and I called XXXX. I spoke with a representation who told me, the system automatically sends out this information and due to COVID-19 they would be sending a letter to all the reporting agencies to rescind and remove the late notices. However, they told me no reporting to the agencies would occur in the first place. I asked the representative when this would occur and she said they were sending out the letters at the beginning of this month- which THEY HAVE NOT, and now I have 3-4 late payments on my credit report that should NOT be there. I have disputed this information with Experian, XXXX  and XXXX  and to no avail it is still there, along with other items I have disputed and now I can no longer dispute them because when I try it reads this item has been recently disputed. This is erroneous credit reporting, XXXX lied and should be held accountable for their actions, false statements to consumers especially at a time like this. 
Secondly, I would like Experian, XXXX  & XXXX  to be contacted regarding the repeated disputes I have made on my credit report that they have failed to correct and enable me to dispute them and they ACCURATELY take care of those issues- specifically removing them. Those disputes are for accounts I DO NOT OWE : XXXX XXXX {$400.00}, XXXX XXXX ( XXXX XXXX XXXX ) {$1200.00} & XXXX XXXX XXXX XXXX XXXX ) which reports I have 1 late payment which is not true and of course XXXX XXXX which is reporting 3 late payments. These companies should be held accountable for their actions, especially at a time like this.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AR XXXX XXXX : XX/XX/XXXX SSN : XXXX ( I am responding as my own representative... This is not a letter from an attorney ( yet ) nor is it a letter from a Credit Repair Agency ) ... I am acting alone on my own accord and legal rights according to the XXXX. 

To : Transunion, XXXX & XXXX XXXX Report # XXXX XXXX XXXX # XXXX Transunion File # XXXX RE : Requesting you Block and Remove Fraud from My Consumer Report I am writing to inform you of a serious situation involving the compromise of my Social Security number, which has led to both an XXXX XXXX breach and identity theft. I have already reported this to the Federal Trade Commission and filed a report, which is referenced as FTC report number attached, and included with this letter. 

In accordance with 15 USC 1681c-2 ( c ) ( a ), it is imperative that you, ( Transunion, XXXX & XXXX as a credit reporting agency and/or bureau, take immediate action to block and remove all information related to this identity theft from my credit report. 

This statute requires credit reporting agencies to address such requests promptly, within four business days of receiving a complaint containing the following information : Collection Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I want to underscore the gravity of this issue and my expectation for a swift and effective resolution. Should your response be inadequate, such as a refusal to cooperate by blocking and removing the above accounts within 4 days, I will be forced to pursue legal action against your agency, as allowed by law. 

Please be aware that I will seek damages, including statutory costs, with each violation carrying a statutory fee of {$1000.00}, as specified in 15 USC.

These violations include : -Defamation of Character - Negligent Enhancement of Identity Fraud - Violations of the Fair Credit Reporting Act - Non-compliance with 15 U.S. Code 1681o ( Civil liability for negligent non-compliance ) - Non-compliance with 15 U.S. Code 1681n ( b ) ( Civil liability for willful non-compliance ) -Failing to comply with 15 USC 1692 ( g ) - Violations of 15 U.S. Code 1681b ( Permissible purposes of consumer reports ) - Non-compliance with 15 U.S.C. 1681i ( 7 ) ( Method of verification ) - Violations of 15 USC 1681a ( 4 ) ( Right to privacy ) -Violations of 15 U.S. Code 1681c ( Requirements relating to information contained in consumer reports ) I am treating this matter with the utmost seriousness and request that you promptly block and remove the fraudulent accounts from my credit report. 

I have already provided all necessary information to facilitate this process. Please confirm receipt of this letter and provide a timeline for resolving this issue. Your prompt attention to this matter is greatly appreciated. 

You may respond via my email @ ( XXXX ) or by mail @ XXXX XXXX XXXX, XXXX XXXX, AR XXXX Best wishes, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXXXXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The below listed accounts had violated my federally protected rights of privacy under 15 USC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX * 5 USC 1681, section 604 A Section 2 : also states, a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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 crime, which add a date to the report by more than seven years. 15 USC 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 calls to believe that the information is in accurate.
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. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update or correct them from my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX XXXX. 
This company is reporting late payments on my report as a consumer the are in violation of 15 USC 1681b- Permissible purposes of consumer reports which I did not give them permissible purposes to report.

2 ) 15 USC 1666b Timing of payments.

3 ) SECTION 9-611 NOTIFICATION BEFORE DISPOSITION OF COLLATERAL SECTION 9-612 TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

SECTION 9- 613 CONTENTS AND FORM of notification before disposition of collateral : General 4 ) as a consumer I have the right to privacy according to 15 USC 1681a ( 4 ) I have never given this company the right to share my information 5 ) According to 15 USC 1681b ( a ) ( 2 ) nothing can be reported on a consumer report without my written consent. 
6 ) According to 4 USC 1692g this is an alleged debt that only I XXXX the consumer has to validate and I have never validated this debt.
Product: Debt collection

URS Collections called him left a voice mail looking for me. I called & asked to speak with a XXXX XXXX XXXX. The rep informed me that XXXX was busy but then proceeded to tell me that I owed a balance from a check I wrote in 2008. He asked me when am I going to pay it & I told him that I 'm not. The debt is old & would be falling off my credit in a couple of years. His voice & demeanor changed & he said, " Oh, so you 're just not going to pay it. That 's a moral issue. Where are you 're morals? '' At that point I lost it & told him, " You do n't know anything about me nor my morals! Do n't sit up on this phone & try to tell me about myself! '' All the while he is steadily saying some defaming things so I told him that I know about collections. I 've worked in collections before & you 're not even the creditor. Your company bought my record for pennies on the dollar. '' He said, " No we did not! ... '' I told him he was in the wrong because he did n't even say the fdcpa verbiage that he was suppose to say before he went into disclosing my file. He told me he did. If I 'd shut my mouth for a while I would 've heard it. 
Now, I do n't do this but I believe that this company should be violated for this person speaking ill to me. Please make sure that a violation is placed on this company. Thank you.
Product: Debt collection

It is a violation of HIPAA to have this reflected on my credit report. I have requested an itemized bill for this office visit and which one was never received. I have also requested documentation that proves the validity of this debt.
Product: Credit reporting or other personal consumer reports

I am writing in response to the above-referenced case to formally explain my concerns regarding the lack of compliance by creditors in providing adequate verification of account ownership and validity, despite my repeated and detailed requests. I have contacted equifax multiples times requesting verification and proof of ownership for creditors reporting on my credit file. Original Signed Contract or Agreement : I requested a copy of any original signed agreements or contracts that establish my responsibility for the debt. No such document has been provided by the creditors. 
2. Itemized Statements : I requested detailed statements showing how the debt was calculated and any payments made. The creditors have failed to provide this information.

3. Proof of Assignment or Ownership : For debts that have been sold or assigned to third parties, I requested documentation proving the chain of ownership. No such proof has been provided.

4. Compliance with FDCPA Validation Requirements : I asked for documentation to ensure that all requirements under the Fair Debt Collection Practices Act ( FDCPA ) were followed, including the date and nature of the debt. The creditors have not responded adequately. To date, the responses I have received have been incomplete or non-responsive. In some cases, I have received generic letters that fail to address my specific requests. In others, I have received no response at all. This lack of compliance is unacceptable and leaves me unable to verify the legitimacy of the debts being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account Number : XXXX XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment/payments reported for my HYUNDAI MOTOR FINANCE accounts. 
I want you to know that I understand my financial obligations, and if it werent for the circumstance that caused me to miss a payments involving months of hospitalizations and back to back XXXX  that were XXXX XXXX, Id have an excellent repayment record. I made a mistake in falling behind, but since then, My circumstances have changed I've improved my money management and I've returned back to work. Since then, I commit to a record of on-time payments. 
Im planning to apply for a mortgage/auto loan/etc, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments. 
Thank you for your consideration, and I hope youll approvemy request. 
Best, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Debt collection

My phone service was canceled with XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX continued to bill me for canceled lines. I called in XX/XX/XXXX and found they were billing me for an ancillary line. I canceled that line and they continued to bill me. I received another bill in XX/XX/XXXX and I again called XXXX XXXX XXXX. I explained that the line was canceled in XX/XX/XXXXand I called again in XX/XX/XXXX to cancel it. They deny having record of the phone calls. I filed a complaint against XXXX XXXX XXXX and their Office of the president called and left me a voice mail. I returned the call to the number they gave me and was unable to reach anyone. I then XXXX a number. When I reached a representative I was told they couldn't help me because they were not the rep assigned to the case. I explained the problem and was told I had to talk to the rep assigned to the case. After multiple phone calls I was never able to contact the rep assigned to the case. She was always out of the office for the day. Approximately XX/XX/XXXXor XX/XX/XXXX I received a collection notice from Sunrise Credit services. I responded to them in writing that the debt was not valid because it was the result of XXXX XXXX XXXX continuing to bill me for canceled service. They did not respond to my written statement. XX/XX/XXXX I got an alert for a change to my credit report. I checked to find that it is that fraudulent bill from XXXX XXXX XXXX. They are trying to force me to pay a bill that I do not owe and damaging my credit in the process. XXXX XXXX XXXX refused to deal with the issue by giving me a non-existent representative from their office of the president to deal with then sent it to collections knowing the debt is not valid. This is why I switched carriers in the first place. I was tired of XXXX XXXX XXXX 's shady billing practices.
Product: Checking or savings account

Was charged {$59.00} on XX/XX/29 from XXXX XXXX, however payment was not authorized or coming from me directly. Ex spouse had a copy of my bank information saved on a device of hers and she made a payment under my name fraudulently without my permission. Called Wells Fargo the very same day to dispute the charge. They canceled my card and left me without access to my account or unable to pay online bills for almost a week before receiving a new debit card, but they completely denied the fraudulent charge and said it stands as it is and that I authorized it, which I did not because if I had I wouldn't have called them to dispute it in the first place.
Product: Credit card or prepaid card

I am making this complaint on behalf of my mother. She is  XXXX   years old  and suffers from  XXXX . For the last year or so she has been   XXXX   XXXX   XXXX   XXXX    by one of her home health aides. Her credit cards have been stolen, and there are over {$13000.00} dollars of charges on just  XXXX  of her credit card accounts that were made without authorization. I have a full DPOA and was successful in canceling the cards, however, I have tried working with the bank since  XXXX  of last year, but they refuse to discuss with me or act upon the account despite my having sent them a copy of the DPOA. Further they are harassing with dunning calls and letters to my mother which are very upsetting to her.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXXXXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # 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 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

I am filing a complaint against TRANSUNION for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions TRANSUNION consistently responds within 24 hours stating the account is accurate without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFBPs recent administrative proceeding ( File No. 2025- CFBP-0002 ) against them for similar violations. I request that the CFBP take action to ensure TRANSUNION complied with federal law and provides consumers with the necessary proof of investigation. These are the accounts I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As of XX/XX/XXXX both my XXXX XXXX XXXX XXXX XXXX XXXX XXXX  where deleted off my report and it isn't accurate at all, I am still paying these two loans and it is negativity impacting my report as well as the persons name whom is also on the credit report XXXX XXXX XXXX XXXX. I would like these to both be put back on as it states accurately from my credit report from my lawyers office.
Product: Credit card or prepaid card

On or about XX/XX/XXXX the balance on my Bank of America credit care account was {$8800.00} and regular monthly statements were being received at my address. 

In two separate transactions dated XX/XX/XXXX and XX/XX/XXXX the amounts of {$6200.00} and {$2000.00} were charged to the account as online banking advance to. The statement ultimately obtained from Bank of America provided no information as to whether such advances were by check or by wire, who obtained the advances, or any addresses or banks to which they were paid. Further, at no time did any person at Bank of America contact me to confirm the transactions. 

Shortly thereafter, though not noticed until XX/XX/XXXX, monthly statements from the Bank of America account stopped coming to my address. The XX/XX/XXXX statement was addressed to XXXX XXXX XXXX, XXXX, NC XXXX and the XX/XX/XXXX and subsequent statements were addressed to XXXX XXXX XXXX, XXXX, Nevada XXXX. The statements sent to XXXX continued through XX/XX/XXXX, when I discovered the fraud and contacted Bank of America by phone. I have never lived in XXXX or XXXX. 

Bank of America personnel acknowledged the claim by letter dated XX/XX/XXXX, but refused to give met any information about the bank accounts to which the moneys were directed or copies of the change of address communications instigated by the defrauder. Then, by unsigned letters dated XX/XX/XXXX and XX/XX/XXXX, Bank of America denied my claim, reinstating the fraudulent transactions and the bank charges that accompanied them. 

A letter sent by my attorney to the Bank of America legal division on XX/XX/XXXX has still not been answered.