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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX, and XXXX have failed to uphold their grave responsibilities pursuant 15 USC 1681a ; 15 USC 1681b ; and 15 USC 1681c. They assumed a vital role in assembling and evaluating consumer credit and other information on consumers, yet failed to wholly and accurately investigate & report information on my behalf. Because of this, my report does not reflect information accurately across all three major credit reporting agencies and gives an unclear picture on my creditworthiness as a consumer. This is a direct violation of federal laws which constitutes the removal of all false and inaccurate information from my report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing issue concerning inaccurate information within my credit file, specifically related to accounts associated with your company. This matter is of great concern to me, and despite my previous attempts to rectify it, the situation has not been resolved satisfactorily. I have sent a total of XXXX previous letters to your company, all via certified mail. Please find the attached receipts for the certified mail with the following tracking numbers : XXXX, XXXXThese receipts confirm the delivery of my requests for the removal of inaccurate information from my credit file. I would like to draw your attention to 15 U.S. Code 1681c2, which states that it is a crime to threaten a lawsuit with no intention of pursuing it. Rest assured, my intention is sincere, and I am prepared to take legal action if necessary. Despite my previous efforts, your company has failed to conduct a proper investigation into the inaccuracies on my credit report, as required by the Fair Credit Reporting Act. My previous letters clearly outlined the reasons for my dispute, and these concerns are far from frivolous. This final request serves as a last opportunity for your company to rectify this matter. I expect a thorough investigation into the accounts in question, and I request that you provide me with documented proof of this investigation. Failure to comply will leave me with no choice but to file a civil suit in my county for damages. I take the accuracy of my credit report seriously, and the lack of professionalism and assistance from your company has been deeply disappointing. I am well aware of my rights under the Fair Credit Reporting Act, and I am prepared to pursue them to the fullest extent of the law. I anticipate your prompt response and the resolution of this matter. If I do not receive a satisfactory reply within 30 days, I will have no choice but to pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASON/S AS TO WHY THE XXXX XXXX XXXX XXXX ACCOUNT STILL REMAINS REPORTING NEGATIVELY UNDER EXPERIAN AND XXXX. 
XXXX  WAS ABLE TO GET IT REMOVED SINCE I STARTED DISPUTING THE INACCURACIES ON : XX/XX/2019, THEY COMPLETELY DELETED THE ACCOUNT FROM MY REPORT ON XX/XX/2019. THIS ACCOUNT REMAINS CHARGED OFF WITH A HIGH BALANCE AND IT IS TRULY HINDERING THE OVERALL HEALTH OF MY CREDIT SCORES. XXXX  MANAGED WASH OFF THE ACCOUNT BECAUSE THERE IS NOTHING VERIFIABLE, ACCURATE NOR COMPLETE ABOUT IT. ONCE AGAIN, NEITHER EXPERIAN NOR XXXX  HAS RESPONDED BACK TO MY DISPUTES, THIS IS GETTING RIDICULOUS. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE ( FCRA ). PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED COMPLETELY FROM ALL REPORTS.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 I went to the bank to pull money out for payments including the one to the company that took money out. I noticed XXXX was taken out of my account " without my permission ". I called the company who removed my funds that day to demand that they return the money. I was informed my account was behind and I explained to them I understand that but I never authorized that amount. They were unable to do anything due to no manager on duty XX/XX/18. I used to work the company about a year ago and I agreed to loan with one of the co owners : XXXX ". I never signed for a credit authorization form though. They were able to obtain my card information from calling payments in the past. I spoke to the manager " XXXX '' and informed her if they could please release my funds back minus the one payment that I was gon na make that day. Total amount I wanted back was XXXX then with another arrangement on Friday the XX/XX/2018. They refused to accept that and I informed them my electricity payment is going through in a few days. They still did not accept nor give me my money back and really put me in a pinch and having to ask family and friends to help pay from my electric bill. I understand my account was behind and I was going to make the payment that day but they decided to debit my account without my authorization. I feel this was a deceitful collection tactic to help their collection numbers. I did not receive any letters stating that I would be debited and why wait so long and not when I was one payment behind. I am not sure they are in the right under the FDCPA to remove my monies without permission and without filing out a credit authorization form or going over the contract in depth if so the case.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Equifax , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Information Due to Data Breach Dear Equifax, I am writing to formally dispute certain information on my credit report due to a potential impact from the data breach that occurred in XXXX. I believe that my personal information, including but not limited to my Social Security number, date of birth, and financial data, may have been compromised during this breach. The following accounts are a result of my information being impacted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Details : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Social Security Number ( if relevant ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that Equifax thoroughly investigate any discrepancies or fraudulent activity on my credit report that may have resulted from this breach. Please include a detailed explanation of any inquiries or accounts that were opened using my information without my authorization. 

Additionally, I ask that you provide me with the following : A copy of my credit report showing any inaccurate or potentially fraudulent entries related to the data breach. 
A description of the actions Equifax has taken to prevent future incidents of identity theft or fraudulent use of my personal data. 
Confirmation that my personal data has been protected and steps taken to ensure that no further damage occurs. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I request that Equifax complete its investigation and provide me with a resolution within 30 days from the receipt of this letter. Please send all correspondence to the address listed above, or feel free to contact me via phone or email if further information is required. 

Thank you for your attention to this matter. I look forward to receiving your prompt response. 

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

I reported to Transunion on XX/XX/XXXX on XXXX XXXX XXXX XXXX about inaccurate reporting. I simply asked that my XXXX XXXX XXXX XXXX account opened XX/XX/XXXX. I also provided laws from the Fair Credit Reporting. Even though this dispute was submitted on XX/XX/XXXX the company responded on XX/XX/XXXX. That's way beyond the allowed time by law. I ask that this XXXX XXXX Account open on XX/XX/XXXX remarks be updated to all current and on time. 

Your page states " Consumer reporting agencies have XXXX business days after completing an investigation to notify you of the results. Generally, they must investigate the dispute within 30 days of receiving it. 
However, it has 45 days to investigate if you dispute after receiving your free annual credit report. Also, if you submit additional information relevant to your dispute during the 30-day investigation period, it can extend the investigation period for 15 additional days. ''
Product: Debt collection

This company is attempting to collect a debt which been sold in order for the seller to circumvent arbitration and it's proceedings. There is no sell or trade of the factual account in the originated arbitration just information such as phone email text buy no mention of selling the debt to a junk debt collector.
Product: Credit reporting

I am a retiree concerned about identity theft. So, I logged onto XXXX and tried a few times to request a free credit report from Experian. At the end of the application process each time, I received a message stating : " We are unable to process your request ''. Out of frustration, I logged into www.Experian.com and saw that I could order a credit report if I created an account with Experian and paid only {$1.00}. I did n't see the fine print saying I would be charged monthly if I did n't cancel my account within a 7 day free trial period. After signing up, I received an email from Experian welcoming me, but it did n't mention a 7 day trial or any pending monthly fees. A month later, I was surprised to see that Experian had charged my credit card {$21.00}. When I called to complain, the first person that answered said they could n't refund the charge. When I asked to speak with the supervisor and the person said OK and put me on hold -- I waited for 15 minutes and hung up. When I called back a second time, a different person answered the phone. She agreed to cancel my account and refund the charge, but said if I had waited until XXXX or more charges had been made, they would n't be able to refund the earlier charges. It seems clear to me that Experian is deliberately try to fool people into signing up for the $ XXXX/month service and hoping they do n't notice for a few months. As a minimum, I think : ( a ) Experian should n't be allowed to block efforts to order a free credit report through XXXX, ( b ) their website page offering a credit report for {$1.00} should conspicuously warn the customer about what happens if they do n't cancel within 7 days and ( c ) their welcoming email should again warn the customer about the pending monthly charges. If the customer does n't want the service, they would see the warnings and cancel within 7 days. If the customer did want the service, they would ignore the warnings and continue with Experian. I think it is ironic and totally improper that a company we rely on to protect our financial well-being would resort to such devious practices to increase their profits!
Product: Debt collection

I have sent in several of letters into the credit reporting agencies about the different discrepancies, also i have sent letter about then provide original contracts, and requests was XXXX .The name of the collection is XXXX XXXX XXXX XXXX  XXXX the amount is {$800.00} and IC System Inc. the amount is {$410.00} the credit reporting agency still will not update this information on my report. The credit reporting agency is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act USBK COURT XXXX  Docket # : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to LexisNexis on XX/XX/2019 regarding a US Bankruptcy Court IL of XXXX account thats reporting on my credit file. To this date I havent received a response from the company. I want the account removed from my credit file because its been more than 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never consented nor benefited from the attached inquires, please block and delete all inquires. If Experian believe i did any good and services from the following transactions, please let them have one of their senior executive sign under the penalty of perjury that i did receive indeed.
Product: Credit reporting or other personal consumer reports

A collection/charge-off was put on my credit report from XXXX XXXX XXXX for the amount of XXXX $ on XX/XX/year>. It says it is for a " XXXX XXXX XXXX ''. The account age was 2 years and 1 month. There is no report of any past due amount, payment dates, monthly payment, or credit limit. 

I have never owned a credit card from this company. For the past two years, I have only had 3 major credit cards, two with XXXX XXXX and XXXX with XXXX XXXX XXXXXXXX. 

The Lender Info is XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX This is having a negative affect on my credit score, I have already filed a dispute with TransUnion. Can you please assist me with getting this removed?
Product: Credit reporting or other personal consumer reports

With all the errors and updates and modifications. My XXXXredit score was wrongfully decreased by nearly XXXX points!
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item 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 verified that this item is being reported correctly? Who verified this item? 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 item 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 THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXXXXXX...
Product: Credit reporting, credit repair services, or other personal consumer reports

An itemized bill does not suggest that the debt is real because anyone can send a bill and claim ownership.
Product: Credit card or prepaid card

I have a XXXX  card from Upgrade and every month I pay my payment well before the due date and every month I have to call them and make them apply the payment that I made to my account. They send me e-mail after e-mail telling me that my payment is due and/or late when I have bank records showing that I paid it on time. This month, same thing again and they're telling me that it's their company policy to wait 10 days after receiving my payment to actually apply my payment. No other creditor I have accounts with waits to apply my payments. Everything else gets credited immediately upon receipt of my payment. This is frustrating and ridiculous.
Product: Credit reporting or other personal consumer reports

I made a payment of XXXX that posted to my account on XX/XX/year>. This payment has paid my account off in full. XXXX XXXX XXXX  is still refusing to correct the payment status to paid in full after I disputed the information with Experian, XXXX and XXXX. They are still reporting the incorrect balance information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a bankruptcy on my credit report, and I've disputed it many times with them. Each time they come back and tell me its verified through either the Bankruptcy court or XXXX. However, pursuit to the FCRA, this is inaccurate reporting. I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore, the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

In 2019 investment property tenant move out doing Covid 19 because house had water issues with property sinking section 8 tenant. 

I completed a short sale submitted all documents to Select Portfolio Obudsman email department and requested for Title Company to correct hud 1 that was submitted to Select Portfolio by email and never got a clear to close. 

So the buyer went to another deal during Covid 19. People I believed was moved around not in the office at SPS why never received clear to close. 

I have spoken with Sps requesting to remove to mortgage out of my name because that was not my faught when we were ready to close and CFPB knows about it. 

I filed a complaint about this doing that time and the Atty that was handling the closing can vouch that he faxed what SPS requested. 

I received a alert from XXXX today that SPS reported this mortgage 180 past due XXXX XXXX and I have not owned this property since 2019 up until the tax buyer had to go ahead to deed because he waited a year to help me close on this short sale that SPS new about. 

Everytime I spoke with them about it they continued to avoid taking this mortgage out of my name. 

Now all of a sudden they reported this mortgage on my credit today 180 days past due that is erroneous and they have records communication that I dont even own the house or the garbage as of today date which the person that bought the house just purchase the taxes on the garage and Sps and the Investor XXXX new about that. 

It made no since for me to redemption of the garage pay taxes when the poor person who now own the house the tax buyer did not buy the garage and those taxes were just sold to that poor man that came by my house looking for me to help him out. 

I gave him authorization to speak with XXXX who was the investor and I could have sold the garage and received the same money {$30000.00} that the short sale was approved for. 

Again, no help from SPS nor XXXX and I did not want to leave the poor man name XXXX hanging who bought the house and not the garage which had it's own separate property identification number. 

Now that redemption has expired now Sps decides to put false information on my credit report which is a scam and I am not going to be the fall guy and I want them to remove what they reported derogatory off my credit report which took a hit XXXX points. 

That's not fair and deceptive advertisement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$21000.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Suntrust refused to honor a stop payment and in doing so, hundreds of dollars in overdraft and NFS fees accrued. 

The bank refuses to acknowledge their error and refund the fees. 

I am only asking for the refund of fees lost due to their error. 

Thank you XXXX XXXX, DDS