23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? 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 ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS?

I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
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

I have been trying to get through to Capital One to make a transfer to an external account. I was able to get to a screen asking for my mobile phone number as a part of a two step identity process. I put it in and received an error because my phone is registered to my husband instead of me. When I called, I waited on hold nearly 15 minutes only to be told this process would take over a week for test deposits to go through and then I could access my money. 

No one has money deposited into an account if they are going to be unable to access it in a timely manner. I am frustrated with the lack of concern I have received regarding this.
Product: Credit reporting or other personal consumer reports

Deletion of DEPT OF JUSTICE Child Support Account Dear XXXX Legal Department, Upon reviewing my credit report, I have found that there are multiple child support accounts listed, specifically : Account Name : DEPT OF JUSTICE Child Support Account Number : # XXXX Account Number : # XXXX Account Number : # XXXX Based on the following case law, child support accounts are not credit transactions and should be treated as judgments : Maria E. Pintos v. Pacific Creditors Association , Experian Information Solutions , Inc .

Case : No. 04-17485, D.C. No . CV-03-05471-CW Date : 9/21/2007 Court : 9th Circuit Court of Appeals Kevin D. Miller v. Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

Case : 1:06-cv-02883 Date : 2/28/2007 Court : N.D. Illinois Kenneth McCready vs. Linebarger Goggan Blair & Sampson , LLP , et al .

Case : 06 C 4884 Date : 8/15/2007 Court : N.D. Illinois These cases indicate that child support accounts should not be reported as credit transactions. According to these rulings, unless advised otherwise, XXXX must comply with this legal interpretation. This means that TRANSUNION reports can only be obtained for collection purposes when collecting on an obligation arising from a credit transaction, or where there is written authorization from the consumer or a court order. 

For collectors of delinquent child support debt, judgments, fines, or liens, the following must be in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or A contractual agreement with the consumer that constitutes a credit transaction under law. 
I am not seeking " VERIFICATION '' of these accounts ; I am requesting their deletion based on the cited case law and the fact that these accounts did not originate from a credit transaction. 

Please promptly delete these accounts from my credit report and provide confirmation of their removal. Thank you for your attention to this urgent matter. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX numerous times and they have stated that the account has been removed from my credit reports in XX/XX/XXXX but for some reason when I check in XX/XX/XXXX it is still showing on my reports. I have included the message from XXXX XXXX for validity. 


A delete request was previously sent to the bureaus when this consumer filed a complaint back in XX/XX/XXXX. An XXXX delete was performed today and should result in the trade line being removed from her credit report. Our agency does not know what she is referring to when she mentions her XXXX XXXX XXXX Check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave Experian my schedule of creditors per my bankruptcy in XXXX/XXXX 2018 and an entry, XXXX XXXX XXXX, was corrected to show that it was indeed included in bankruptcy. Per a dispute a credit repair company submitted on my behalf, Experian changed it yesterday, incorrectly, to a charge-off, with a late payment date as this month- contrary to my court-ordered discharge! I tried to submit online to Experian, it would not let me. Please review the attached court documents and the excerpt from my Experian credit report showing it correctly in XXXX with the second page from yesterday changed incorrectly to my detriment to a late payment. Please assist!
Product: Debt collection

I have a growing debt from Lawson Hamilton & Associates that says it's originally from XXXX XXXX XXXX XXXX. I have reached out to this company multiple times though email and through disputes to get this off my record. This is a medical debt that I incurred while fighting for my life in the emergency room and my medical insurance covered all of it. I have been fighting with them for years now to get it removed and they continue to simply increase the amount and hound me with calls or letters. I have been homeless on and off for about a year and I can't get my head above water due to a simple medical debt that was covered by my insurance. As of right now I have a XXXX balance due for an account that should have never even been on my report to begin with since it was covered by my insurance.
Product: Money transfer, virtual currency, or money service

I requested a wire transfer from by Chase Bank account in the amount of {$7100.00} on XX/XX/21 to a XXXX XXXX  account that was supposed to belong to an end user that would be renting a new apartment to me. The money was withdrawn from my account on XX/XX/21, but I never received confirmation from the end user or supposedly XXXX that the request was made through. It turns out that the end user is a scammer and the apartment rental ad was made on a fake XXXX  site because the ad suddenly no longer exists. They made it seem real with icons, reviews, etc. It was originally found on XXXX, which no longer exists as well because that ad was also fake. The name of the correspondent was XXXX XXXX ( XXXX ) and the account holder name for the XXXX XXXX  account is XXXX XXXX  XXXX This person had initially refused to talk over the phone or meet in person so only email was used for communication. I read an article that someone using the same exact name XXXX XXXX XXXX XXXX had scammed someone in XXXX XXXX using the exact same tactics so this person should be stopped to avoid scamming others in the future.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX XXXX XXXX report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX Balance : {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an inquiry on my credit report that I do not recognize.
Product: Credit reporting or other personal consumer reports

Have several inquiries I no nothing about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Which unverifiable on TransUnion Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written and called all three credit agencies regarding the inquiries on my reports ... They have still not removed the unverified accounts ... 

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 ). 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. 

I demand the following accounts be deleted immediately. 

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed.
Product: Debt collection

XXXX XXXX from Recovery Solutions of New York has contacted my father, brother, sister-in-law and sister multiple times attempting to get my personal information, including my phone number, address and financial information. 

I have written to him twice, demanding that he cease all communications, however he has continued to contact my family members.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I have been a victim of identity theft, resulting in the unauthorized use of my Social Security number and other personal information to apply for various accounts and services without my knowledge or consent. This has caused significant financial and emotional distress, and I am seeking your assistance to address this matter. 

The breaches of my personal information occurred due to multiple incidents, including : XXXX : My identity and personal information were leaked through their platform. 
Local Hospital : My information was compromised through a breach or mishandling at my local hospital. 
Employer : My personal data was leaked while I was employed, putting my financial security at risk. 
Social Security Administration : Alarmingly, my personal information appears to have been mishandled or exposed through the SSA. 
These breaches have enabled unauthorized parties to misuse my Social Security number and other personal details, causing harm to my credit and overall financial stability. As a result, I have had to spend considerable time and resources to dispute fraudulent charges and secure my accounts. 

I am requesting the CFPBs guidance and support in the following areas : Assistance with protecting my financial accounts and ensuring that fraudulent applications or accounts are resolved. 
Advice on pursuing any accountability from the entities responsible for the breaches of my personal information. 
Steps I should take to further mitigate the risks of identity theft and unauthorized access to my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request an update on the personal information on my credit report. Upon reviewing my credit report, I have noticed that certain information is outdated or inaccurate. I would appreciate your assistance in correcting the following details : Under the FCRA, consumers can dispute inaccurate or incomplete information on their credit reports with the credit reporting agencies ( XXXX, Experian, and XXXX ). The agencies are then required to investigate the disputed items and remove or correct any inaccuracies within a reasonable amount of time, typically within 30 days.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.
Product: Credit reporting or other personal consumer reports

IRS Publication 2020 Instructions for Forms 1099-A and 1099-C clearly state charge-offs are to be reported as income when filing taxes. Income can not be reported on credit file therefore this item should be removed with prejudice. It is my belief that XXXX XXXX XXXX are well aware of the tax laws and and are committing this act of fraud against me intentionally. I request that this charge-off, which is in itself a fraud, be removed with prejudice from all 3 major credit bureaus and also ask that they be sanctioned for this deliberate act of fraud which has cost me dearly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and I see that there is collection item listed that I am not aware of. I attempted to contact the collection company and request verification and received nothing back. I understand that this is a violation of FDCPA and need to have account deleted.
Product: Vehicle loan or lease

Refinanced loan and sent payoff check to Kia Motor Finance Company in the amount of {$23000.00}. The loan amount the day of payoff check cashing ( XX/XX/2021 ) was {$23000.00} ( principle plus interest ), resulting in an overpayment of {$390.00}. As of XX/XX/2021 I still have not received a check for the overpayment from Kia Motor Finance. 

Called on XX/XX/2021 to ensure the payoff check had been properly applied to account. 

Called on XX/XX/2021 to inquire where the check for overpayment was, was told they were still processing it. 

Called on XX/XX/2021 to inquire where the check for the overpayment amount was, sat on hold for 20 minutes with the representative and was disconnected. 

Called for the second time on XX/XX/2021 to inquire where the check for the overpayment was and was told they could send an re-issue request however, that would result in an extra month to receive the overpayment check.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I was notified from XXXX the company I use to monitor my credit that a hard inquiry was pulled from Experian from XXXX XXXX and I never authorized this. I have printed all the details off their website and nowhere does it say they are going to be doing a hard pull against my credit. I want this inquiry removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just looking at my credit report and found some errors relating to my payment history on some accounts. My mortgage with Mr. Cooper, is not reporting on my credit report. 
I would like for my mortgage to report to credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any accounts with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? when was last activity of the acount? 
Why is it not reporting accurately across all bureaus? Statue of limitations? Not my account Please update and remove and suppress this innacurate account 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 10 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- summary XXXX TransUnion XXXX Account Number XXXX Original Lender XXXX XXXX XXXX XXXX XXXXy Name XXXX XXXX XXXX  Date Assigned XXXX XXXX, 2017 Original Balance {$210.00} Current Balance {$330.00} Responsibility Individual Status Collection account Comments Placed for collection
Product: Credit card or prepaid card

I have a USAA Credit card that was opened XX/XX/XXXX which I have never used. I have forgotten about the card and am surprised it was never closed due to inactivity. Regardless, I received a reissued plastic on XX/XX/XXXX and decided to call to close the account. On XX/XX/XXXX, I called into the USAA call center to close my account. I verified all my information and asked the rep to close the account. She obliged, but got to a screen in her system that required her to update my " occupational information ''. I didn't think this was necessary and asked to simply close the account. She put me on a long hold and came back to say that she couldn't move past the " occupational information screen '' to close my account. I asked to speak to a manager and she said she could not transfer me because the computer was locked on the occupational information screen and couldn't get to the transfer screen. 
I have never experienced such difficulty closing a credit card account and would simply like to close this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this loan with self off the way they reported the loan should had been paid in full instead they reported closed account. This caused my score to plummet 44 points.
Product: Credit card or prepaid card

I received two pre-approved applications/offers for credit cards online several months apart. I filled out the first one and was denied even though my credit report/history did not change in the previous six months. Several weeks later I started receiving junk mail and spam with information that I had used on the credit card application. Another pre-approved application/offer was sent several months later with the same results and more junk mail and spam. 

These cards were offers from Aspire in XXXX, GA and issued by the XXXX XXXX XXXX in XXXX XXXX, MO. I feel these offers were extended to me to put my information into a marketing data base and sold. When I wrote a letter to the XXXX XXXX XXXX  it was returned unopened. When I sent it to Aspire it was never answered. The letter of denial blamed XXXX  when in fact they have nothing to do with an approval decision. I have all paperwork to back up these claims. I believe that Aspire never intended to issue me a credit card or denied me because of my age.
Product: Debt collection

It seems like someone has made an attempt to apply for lease an XXXX  under my information. It was brought to my attention by a fraud alert that my social security details were exposed to the dark web. Shortly after I misplaced some important documents that may have been used in this process. I was unaware of this transaction until it was posted on my credit reports. In an attempt to apply for a property it was brought to my attention that I have a collection on my account that a collection on my account for a property Ive never stayed or leased at. At the time of said lease I was living in XXXX  and relocated to XXXX. Never have been affiliated with this place. And what I thought was an attempt to protect my information. I reached out to the credit bureaus shortly after being notified that my information was exposed to freeze my account. It was brought to my attention that I only put a fraud alert on it, as this is not a situation that I am familiar with it wasnt aware of the extra steps needed to protect myself. Ive attempt to collect information from said debt collector, but was unsuccessful, not proof of signature or lease detail has been provided to me.