23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On XXXX XXXX, 2016 I submitted a dispute to verify the accuracy of the public records listed on my credit report. Per the FCRA 609 a ( 2 ), FCRA 611 - 15 U.S.C 1681i and FCRA 603. Experian failed to comply with the FCRA requirements listed above. They only sent letter saying they verified the public record and never sent proof of the verification and the procedure of the verification process and never provided the name, address and phone number of the furnisher of the verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to update my address on my credit report on XXXX. In my request I asked that the delete all personal identifiable information from my consumer credit report with the exception of the following : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Within the dispute I included all identifiable information such as utility the bill and my drivers license I received a letter from Transunion date XX/XX/2022 asking me for the same information that I sent in.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/2020 the Transunion received a formal letter from myself XXXX XXXX XXXX XXXX in regards to negative items that I believed were incorrectly reported and/or flat out not accurate. They were given thirty days under the Fair Credit Reporting Act and today is day 31 and I have not received any updates or results from their investigation. I also then sent a letter on XX/XX/2020 to be overnighted to Transunion asking them to comply with my request by removing items that were not removed and for a copy of that request after executed. Also on XX/XX/2020 I filed my complaint with the Consumer Bureau to make them aware of this situation with the aspirations of actual fair results that Transunion was not able to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian fraud investigation fails to properly identify and fix an error in reporting a Collection. I clearly stated that I have never lived in the City, State where the transaction allegedly took place, but Experian fails to correct the error in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon recently checking my credit report I discovered some unknown accounts. I've already sent out an FTC complaint and CFPB complaint as well. Please be advised I am disputing validation and proof of claim of the disputed debt requested in accordance with the FCRA & FDCPA 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. This is NOT a request for verification or proof of Claimant mailing address, but simply a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant. Please send me any and all VALIDATION and PROOF OF CLAIM Documentation for the following accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX   # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Product: Credit card

thankfully they filed the previous disputes in my favor, however it came to my discovery that they forgot to file a dispute for XXXX dollars, that dispute has been filed now but the fact that this was forgotten and with every time i asked representatives they assured me it was still under review rather than the truth which was it was not filed with the other 5 back in XXXX. associated with XXXX
Product: Credit card or prepaid card

I have been the victim of identity theft. A XXXX 's credit card has been opened fraudulently in my name, I need it removed and blocked from my credit report immediately. My name is XXXX XXXX. 

Account number XXXX Date opened XX/XX/2014 Account type Revolving
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I am attaching copies of all letters sent below.
Product: Payday loan

I was charged a great amount of interest and was not aware of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two Chase Freedom credit cards that, unfortunately, went into a " collection status '' in XXXX. I have paid off in full, directly to Chase, the entire balances on both of the Freedom accounts, including all penalty charges that accrued at the end of the account. 

In XX/XX/XXXX, I called Chase to ask that, as a courtesy, these paid-in-full accounts be removed/deleted from the three credit reporting bureaus, where they have been reported. 

I explained to the Chase representative that, in XXXX, I was laid off from my job, and that is why, in XXXX, I got behind on my payments. While I understand that was not the fault or concern of Chase, I am asking for some leniency now. I simply don't want to have my credit penalized for several more years because of a job loss that was no fault of my own. 

The Chase representative said he could do nothing to help me ( at that time - XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my extreme dissatisfaction with Transunion 's handling of my identity theft complaint sent on XX/XX/ Certified mail Number ( XXXX XXXX XXXX XXXX XXXX ) I sent in the following : 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Which requires the block the fraudulent information on a consumer report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

As per the Fair Credit Reporting Act ( FCRA ), Transunion is required to block any information related to identity theft within four days of receiving an identity theft report. However, Transunion has failed to comply with this requirement, leaving me vulnerable to further fraudulent activity.

Despite my repeated attempts to resolve this issue with Transunion, I have received no satisfactory response. As a result, I am now left with the burden of dealing with the aftermath of identity theft, including financial losses and damage to my credit score.

I am deeply disappointed with the lack of attention and care that Transunion has shown towards this matter, and I demand that immediate action be taken to rectify the situation. I expect Transunion to comply with the FCRA and block all information related to identity theft immediately just like they should have done in the original ( 4 ) four-day time frame as required by the FCRA. 

If this issue is not resolved promptly, I will be forced to escalate my complaint to the appropriate regulatory authorities.
Product: Checking or savings account

Navy federal restrict my account because they said it was fraud activity going around but I never did no fraud activity on my account I had just open my account and I had deposited money to keep it open they Restricted my account for no reason I would love to have my account back
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting or other personal consumer reports

15 USC 1692c ( c ) - " That law Clearly states that '' " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must CEASE ALL Communication '' Credit collections Services Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received forwarded mail dated XX/XX/2019. The address that this mail is showing is incorrect, with my name on it. I do not recognize This account. Should be removed from the credit reports. I've tried to communicate with XXXX, and nothing has been done about this case.
Product: Debt collection

Calling repeatedly from different numbers & when calling back the recording does not identify who the company is or what their purpose is. The debt they are trying to collect is more than I owed the company XXXX XXXX XXXX XXXX. I waited until the contract ended and paid the last bill, but XXXX had been giving me charges that were not comparable to other customers. They would not reason with me when charges were not owed. I feel that I paid XXXX more than what was provided as a service.
Product: Money transfer, virtual currency, or money service

Re : Zelle XX/XX/21 {$370.00} Currently on hold with XXXX  XXXX XXXX to halt the processing of this payment ... 

XXXX  me, attempted to buy soccer tickets on XXXX. I had my doubts but the seller kept reassuring me along the way. Once the money was sent he kept sending additional requests for money. I never rec 'd the tickets and the seller refused to refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Sir or XXXX. I went into a local dealership in my area to purchase a new car on XX/XX/2023. I was told by the finance manager that I had been late sixteen times. I had just recently bought a car for my daughter with this same lender and had not been made aware of any of these findings. I immediately came home and called the lender .They informed me after speaking with several ( 10 ) of their associates that indeed the info of late payments were correct. I then proceeded to go to my account on line and printed out my payment history that validated everything that I was saying to be true. I called the lender back and proceeded to explain for the eleventh time that I had not been late. The lender refused to amend my credit report. I then called XXXX the same day and filed a complaint it was then investigated and XXXX 's response was that the creditor did not respond and there were several things I needed to do:1 ) Include a 100 word statement to be attached to report. 2 ) Contact the creditor 3 ) Provide additional supporting documentation ( already have ) and last but not least contact The Consumer Protection Bureau and The State Attorney General 's Office in my local state. In closing I reached back out to lender today XX/XX/2023 and was told once again to send another letter when they did not respond to the first letter. XXXX was slack in their efforts to rectify this situation by telling me on today XX/XX/XXXX XXXX that they would redispute the complaint once more and I asked the question why? I informed the rep that if they did not respond the first time the negative info should be removed.
Product: Payday loan, title loan, or personal loan

I applied and received a loan from blue trust loans. Blue Trust Loans is an installment payday loan company that offers loans of up to {$2000.00} cash that are repaid over a six-month period. It is owned and operated by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a federally-recognized sovereign government American XXXX XXXX. 

I want to report them for having predatory lending. I have been paying XXXX every month for payback since XX/XX/XXXX on a XXXX loan and only XXXX has decreased from the XXXX original balance. I just paid XXXX yesterday am being charged XXXX per day on interest alone on an XXXX loan. Today I called and asked to pay off loan. I have been paying XXXX since XX/XX/XXXX yet tomorrow in order to pay off my loan I have to pay XXXX ON AN XXXX LOAN. 

Please advise if this is not the right agency to handle this. 

thank you
Product: Mortgage

I received and signed the attached loan estimate and closing disclosure statements with this lender for a mortgage which stated a monthly mortgage insurance rate of {$220.00}. The final closing disclosure statement increased the monthly mortgage insurance rate to {$270.00} with no explanation or change in circumstances XXXX days before our closing. This means that tomorrow I will be forced to accept this last minute increase so that I do not lose the home or I have to forego the closing and I do n't really know what would happen to my paid deposits, appraisal fees, inspection fees, etc. It should not be legal to change the mortgage insurance once the closing disclosure is signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items there that are not mine. I contacted the police in my area and FTC, now I'm reaching out to you all for your help. These items need to be deleted from my credit report XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. I saw some inquiries as well I don't know 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.
Product: Credit reporting or other personal consumer reports

I'm one of the Sweet vs. Cordona plaintiffs that won the lawsuit for 100 % forgiveness via Borrowers Defense. XXXX had up to XX/XX/year> to remove my student loan from my file, but they didn't per judge 's order. They are still incorrectly reporting and has caused ensuing damages to me because of my debt to income ratio has caused me to be denied credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX   {$860.00} Account number XXXX Collection opened Loan Amount {$860.00} {$900.00} Payment Info Original loan amount {$900.00} Balance {$860.00} XXXX XXXX XXXX  XXXX Original creditor : XXXX {$0.00} 100 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Balance Loan Amount {$620.00} Payment Info Original loan amount {$620.00} Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$240.00} Account Info Hover over labels for more details Account numberXXXX Account status Closed Date opened XX/XX/XXXX {$240.00} Past due amount {$240.00} XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX  XXXX {$740.00} Paid, closed Account number452912XXXXXXXXXX Account statusClosed Date opened XX/XX/XXXX {$740.00} {$500.00} Past due amount {$740.00} XXXX XXXX  XXXX $ XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$5300.00} Account Info Account numberXXXX  Date opened XX/XX/XXXX Balance Loan Amount {$5300.00} LABELS FOR MORE DETAILS ACCOUNT NUMBER XXXX XXXX XXXX XXXX {$0.00} Paid, closed Account Info Account numberXXXX Account status Closed Date opened XX/XX/XXXX {$0.00} {$300.00} XXXX XXXX XXXX {$0.00} Paid, XXXX  XXXX XXXX XXXX XXXX Status Account charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
Account Type Unsecured Balance {$2600.00} Date Opened XX/XX/XXXX XXXX XXXX {$210.00} Original creditor : XXXX Balance {$210.00} {$210.00} Opened XX/XX/XXXX Opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Direct dispute was used through XXXX for Transunion. Multiple accounts were requested to be reviewed for accuracy. Specifically, XXXX XXXX XXXX combined 2 credit cards debt into 1 account. Transunion has not responded to the dispute request or responded to subsequent mailed requests for updates on XX/XX/XXXX, and XX/XX/XXXX. I tried the online option for the 3rd time today and the system is " having technical difficulties. '' At this point, Transunion is intentionally dodging my dispute.
Product: Credit card or prepaid card

Grow Credit. I previously revoked authorization on checking account ending in XXXX. They had an issue collecting on my new payment method and tried to re-add previous payment method without authorization. This is illegal since I revoked authorization on the previous method. They did remove the payment once I told them to, but how many people are they doing that to?
Product: Prepaid card

I keep getting false emails and messages about ppl buying cash app from me and they expect me to pay them for it I have a cash app business account and regular accounts please stop with aggravating false contacts and messenger texts
Product: Credit reporting or other personal consumer reports

After checking my credit report i noticed these credit agencies and this company are in violation of my law and my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681-602A states I have the right to privacy XXXX15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud.
Product: Vehicle loan or lease

I purchased a product on or about XX/XX/XXXX of XXXX l then used the same vehicle on a road trip after getting it mechanically inspected. The vehicle made the trip no problem, upon the return the vehicle developed a heater hose issue. I parked the car and notified the dealer in which the vehicle was purchased. His idea of assistance was to offer a used motor for an additional {$1000.00}. When I told him that I could not afford that option, he reminded me that we did sign a 1-year warranty agreement. I then attempted to exercise this agreement, but the warranty department did not return any of my attempts to contact them. The licensed mechanic that discovered the motor issue did make contact with the company. He then forwarded the email to me ; I still have this email in my files. The company asked him to get the owner 's approval to begin the work so that they can see which parts are warrantied. Now, this is unacceptable, for one the mechanic told them that he recommended a new motor and two, I would have to incur the cost of the mechanical exploration in order for them to assess what they would cover. I had this vehicle for less than 90 from the purchase date, I did nothing to exacerbate this situation, but now my credit is in jeopardy. It would be better if this deal had never been done. Please help me resolve this, I do not mind paying my portion, but they should honor the arrangement or return my investment. They have no problem calling me daily to attempt to collect payment, which I willingly admit I withheld to get someone from the warranty department to contact me. This effort has failed as well.