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

I am writing in response to your current evaluation. I have to pursue my efforts to resolve this matter which requires intent to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and update this account : XXXX XXXX Balance : {$71000.00}. Please send me the names and addresses of persons contacted for each ordinance found in the FCRA. If this information can not be equipped to satisfy me, get rid of or update the items and maintain your help in attempting to resolve the current issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a copy of the document I signed giving them the right to check my Credit.  They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit
Product: Debt collection

Hello and how are you? Listen, I was going through my credit again, and noticed several variations on the way this account is reporting on my credit file. How is it possible all the 3 major credit bureaus are reporting wrong date of last activity, wrong reporting date, wrong balance, etc? I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my dissatisfaction with the repeated attempts to rectify the late opening of my account with your institution. I opened an account with your branch, and unfortunately, I have encountered several issues that have not been adequately addressed. 

Despite my best efforts to resolve this matter through various channels, including phone calls and in-person visits to the branch, the late opening of my account persists. I have attached copies of the relevant documents, including the account opening paperwork and receipts, for your reference. 

I understand that issues may arise, and I am willing to cooperate to resolve this matter amicably. However, the lack of progress and communication regarding the status of my account is both frustrating and concerning. 

I kindly request that you investigate this matter promptly and provide a detailed explanation for the delay. Additionally, I expect a clear timeline for the resolution of this issue. I believe that transparency and effective communication are essential in maintaining a positive customer relationship. 

If this matter is not addressed within the exact timeframe from the date of this letter, I will be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX  XXXX Balance : {$75000.00}.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is reporting a collection for {$9500.00} from Premiere Auto credit for supposedly sold them unpaid balance on this account. I never signed a contract to purchase or lease any vehicle from premier auto credit ... .Allied credit services went on to further provide a copy of the " contract '' that forged my signature and LACKED a date on the contract provided a driver 's license of a person with a similar name to mine but NOT me! YET they dared to report it to my credit for years. Premier Auto credit refused to provide any documentation to me directly due to the fact that they did NOT have any contracts with me, in my name to my social or to my dr license. XXXX XXXX XXXX IS GUILTY OF FRAUD, VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT, AND F.C.R.A. ....
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 accounts 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 accounts : XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$640.00}
Product: Debt collection

Dear Sir/Madam, I am writing to dispute the alleged debt mentioned reported by your company. This account is fraudulent, and I have never had any prior relationship or entered into any contract with either of these companies.

The reporting of this account violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this, I am requesting the following documentation : 1. Proof of your authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt.

2. The legal basis for collecting this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. A full account history, including all related charges.

Your actions violate FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. I demand the immediate removal of this fraudulent account and a prompt resolution of this matter.
Product: Debt collection

This is now my second complaint towards LVNV Funding as my issue was and is not resolved. 
In XXXX of 2024, I was notified of a collection being placed on my credit reports by the name of LVNV Funding LLC. Upon researching this name, it indicated it was a debt buyer, but to direct all inquiries to Resurgent Capital Services. I was never notified of this debt or given the opportunity to dispute. I received no notification through any avenues such as mail, email or phone call about this debt. It was simply put on my credit reports as a negative item. 

On XX/XX/year> I sent a letter to Resurgent Capital Services after I had discovered this negative item on my credit report reading as LVNV FUNDING LLC. In my letter, I requested the original purchase agreement that shows legal ownership and proof of this alleged debt. Resurgent capital services did not provide this information nor did LVNV Funding respond to any of my inquiries. How is this debt verified when two different companies have this alleged debt in their records. Who is the owner of this debt? Who can collect on it when I was not provided the original purchase agreement with the original creditor and signed by all parties involved? 

Therefore this is now and has been misleading and inaccurate data on my credit reports with XXXX, XXXX and XXXX. Each of the credit bureaus have said this information is verified with no proof of them doing a real investigation or showing me proof that its verified. LVNV Funding is in violation of the FCRA as well as the FDCA by failing to notify me of this alleged debt and failing to provide proof of this alleged debt. How is this item on my credit reports when it was not verified with me also?
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ), compounded by their refusal to provide documentation required under the Code of Federal Regulations ( XXXX ). TransUnions actions stand in stark contrast to XXXX and XXXX, both of which completed their investigations and removed disputed items from my credit report. TransUnions non-compliance with federal law denies me the transparency and fairness mandated by the FCRA and supported by the CFR. 

Disputed Items and TransUnions Response The following items remain on my report, despite my request for verification : XXXX Dividend Account Number : XXXX Date of Account : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Date of Account : XX/XX/XXXX TransUnion claims that these items were verified as accurate. Yet, they have refused to provide the underlying documentation for this verification, a right afforded to me under both the FCRA and CFR regulations.

Violations of the FCRA and CFR by TransUnion 1. Violation of Documentation and Verification Rights under the FCRA and 12 CFR 1022.43 Under 15 U.S.C. 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ), consumers have the right to receive all records of accuracy and verification. Furthermore, 12 CFR 1022.43 requires that credit reporting agencies furnish upon request a description of the reinvestigation procedure along with all information that formed the basis of the verification. My repeated requests for this documentation have been denied by TransUnion, which contravenes both statutory and regulatory standards, denying me my right to examine the legitimacy of the retained data.

2. Lack of Consistent Reporting Among Credit Bureaus, in Violation of FCRAs Maximum Possible Accuracy Standard and 12 CFR 1022.40 ( a ) The FCRA requires that consumer reporting agencies ensure maximum possible accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). This requirement is further reinforced by 12 CFR 1022.40 ( a ), which mandates that CRAs maintain procedures reasonably designed to ensure the accuracy and integrity of consumer information. The inconsistency of TransUnions findings with those of XXXX and XXXX, both of which removed the same items, raises significant doubts about TransUnions adherence to accuracy and integrity standards as mandated under federal law. 

XXXX. Failure to Provide a Fair and Transparent Reinvestigation as Mandated by the FCRA and 12 CFR 1022.43 ( a ) Under 12 CFR 1022.43 ( a ), consumers are entitled to a reasonable reinvestigation of disputed information with access to the results and a description of the reinvestigation procedures used. By failing to disclose the requested documentation or details of their investigative process, TransUnion has deprived me of the equitable right to evaluate their handling of my dispute, contrary to both the FCRA and CFR standards. TransUnions unwillingness to share this information reveals a lack of compliance with both transparency and good faith obligations outlined in Blacks Law Dictionarys interpretations of equitable rights and fair dealing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a credit card account with PayPal/ Synchrony Bank was fraudulently opened in my name. I learned of this account after receiving a collections notice from XXXX XXXX XXXX ( a collections company ) requesting payment. I do not, nor have I ever, held an account with PayPal or Synchrony Bank doing business for PayPal. I have not, nor have I ever, authorized use of my name or personal information for incurring a debt with PayPal or any other debtor. 

Upon speaking with a XXXX XXXX XXXX representative, I learned this account was created on XX/XX/XXXX and a purchase was made in the amount of {$990.00} in XXXX XXXX, CA which I have no knowledge of. The past due balance after no payments were made is {$1100.00} as advised by XXXX XXXX XXXX. The address on the account is not, nor has it ever been, my residence. I learned of this address from the XXXX XXXX XXXX agent and she advised it is XXXX XXXX XXXX, XXXX, TX which is an address I am not familiar with. I did not, nor have I ever, made a purchase via PayPal in any manor or a purchase in, or shipping from, XXXX XXXX, CA. I have tried numerous times and numerous numbers ( listed below ) to reach PayPal and every representative has said this account is non-existent and will not give me any further information. I have tried in excess of 17 different phone numbers ( or transfers ) for PayPal and have reached no resolve. In addition, PayPal will only give information after providing the email address on file to which I do not have an email on file with PayPal. 

The fraudulent account is showing on all 3 of my credit reports and hindering my ability to get a mortgage. I have spoken with XXXX XXXX XXXX which was the collections agency associated with the account and they determined the account was fraudulently opened and removed their reporting from my credit history ( see attached letter ) ; however, I can not get anyone at PayPal to acknowledge this account even exists or to remove it from my credit report. 

My resolve would be to please remove this account from my credit history and provide a letter in writing either by email or mail stating such intent. I certify the representations made are true, correct, and contain no material omissions of fact. 

PayPal Numbers I have contacted, but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I 've been a victim of Transunion 's inquiry issue and they refuse to remove the inquiries after calling their customer service representative. Their customer service would not help and take care of the negative inquiries reporting to my credit report. 

For resolution : Removal of the following inquiries on my Transunion credit report immediately : XXXX 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: Mortgage

Umpqua Bank gave away my SSN in a data breach. I wanted to stop working with the bank. 

I went into a branch, requested a payoff amount for my HELOC of ~ {$80000.00}, and paid the amount in full at the branch. I was told that this would close my account. Then six months later in XXXX, I get a bill in the mail saying I owe {$75.00}, and that the account is still open. I contacted Umpqua. 

My credit report reflects this event as the loan being PAID IN FULL, then a few months later, says DORMANT ACTIVITY and now in XXXX says LATE PAYMENT. I called to dispute this and figure out why my account is still open. That dispute is still active. Meanwhile, though I completely disagree with the {$75.00} fee, I have paid it. 

The problem is that in the branch, I was told this account was paid off and closed. I was outright lied to by Umpqua. In fairness, the folks at the branch kept saying that the payoff process had changed, and seemed to be grappling with new instructions on what to do. Even so, I came in and paid off the $ XXXX note intending to pay it off, and now Umpqua is destroying my credit over a {$75.00} fee I never knew about until it was already late. 

They breach my data. They hold the account open after telling me it is closed. They pound me with minor fees they don't communicate, and then destroy my credit ... over {$75.00}. This is an awful bank to work with and they keep giving me the run around. The last person I spoke to said that the " Fair Lending Act '' legally prevents them from waiving any fees, and refused to help other than saying " you signed the terms and conditions, you knew. '' Excuse me, I did NOT know they were going to give away my private information forever. I did NOT know I would receive fees after they TOLD ME my account was closed. I did NOT know my credit score would be ruined over this. This is a very anti-consumer position that the bank is taking.
Product: Mortgage

SHELLPOINT MTG SERVICING FIRST TOLD ME ( AND PROBABLY EVERY ONE ELSE ) I HAD TO MAKE A BALLOON PAYMENT AFTER MY FIRST COVID-19 RELIEF EXTENSION. THE CARES ACT THEN CLARIFIED THAT THE CONSUMER DOES NOT HAVE TO MAKE A BALLOON PAYMENT. NOW THEY ARE SAYING I MUST PROVIDE DOCUMENTATION AT THE END OF THE FORBEARANCE PERIOD WHEN THE CARES ACT LAW CLEARLY STATES NO DOCUMENTATION NEEDED. NO DOES NOT MEAN NO IN THE BEGINNING BUT YES LATER. NO MEANS NO.THEY ARE TRYING TO CIRCUMVENT THE CARES ACT LAW BY REQUIRING DOCUMENTS AT THE END OF THE FORBEARANCE PERIOD EVEN IF I'M JUST DEFERRING THE PAYMENTS AS ALLOWED BY THE CARES ACT LAW.
Product: Checking or savings account

Discover return my credit card payment when I had funds to cover and I was hit with a fee from my credit card company
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by EQUIFAX. Despite sending them a last letter, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/2022 I sent Credit Acceptance a cease and desist letter. The letter arrived on XX/XX/2022. Credit Acceptance has not responded. The corporation has been communicating an alleged debt to credit reporting agencies. The information demanded has not been provided and the corporation continues to communicate this alleged debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting an account I had with this company as a charge-off with all three credit reporting agencies when I called XXXX XXXX to ask them to update my account status to paid in full and close they told me the account was charged off, I then proceeded to ask them to provide me with a 1099C since the account was charged off they said to me that they would not issue a 1099C.
Product: Credit reporting or other personal consumer reports

The company is publishing inaccurate information on my credit report and this is affecting my credit and my finances and I may not be able to apply for new credit because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent numerous notarized interventions to this creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have yet to respond to this erroneous account with any validation and/ or removal of account. Filling a XXXX  complaint against this creditor as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is filled with discrepancies, and unauthorized accounts inwhich I'm now disputing and have disputed. The credit reporting agencies have deemed the disputed accounts as verified but did not support this with any hard copied documents that shows ownership. I'm respectfully requesting the Method Of Verification used in process of these accounts inwhich I'm disputing, ( 1 ) XXXX XXXX XXXX {$240.00}, ( 2 ) XXXX XXXX XXXX XXXX {$3600.00}, ( 3 ) XXXX XXXX XXXX {$0.00}, ( 4 ) XXXX XXXX XXXX {$600.00}, ( 5 ) XXXX XXXX {$3300.00}, ( 6 ) XXXX XXXX {$0.00}, ( 7 ) XXXX   XXXX XXXX  {$480.00}, {$290.00}, {$240.00}, {$150.00}, ( 8 ) Missouri XXXX XXXX {$9300.00}, {$5300.00}, {$5000.00}, {$2700.00}, {$1300.00}, {$120.00}, {$94.00}. 
Please block all accounts above.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to request the immediate removal of credit accounts associated with XXXX account # : XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX to report my information, as required by 15 USC Code 602 ( a ).

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly appreciated. 



Sincerely, XXXX XXXX