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

I sent a dispute letter to Equifax on XX/XX/XXXX XXXX .. As of XX/XX/2021 Equifax has failed to complete my investigation and communicate results with me for the following accounts US DEPT ED # XXXX US DOE XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO ME THAT I HAVE NO KNOWLEDGE OF NOR BENEFITED FROM THESE FRAUDULENT INQUIRIES AND ACCOUNTS
Product: Credit reporting

I am writing in hopes of assistance with an issue with transunion credit reporting agency. I have been disputing wrong information that is reporting on my credit report and getting no where with this credit reporting agency. My first complaint is transunion will not remove a loan that is reporting with XXXX that I do not owe. It is showing a balance of {$860.00} it is showing open/collection/charge off. I received a letter last week telling me that they will not re-investigate this anymore for me. This is a violation of my rights that they are reporting inaccurate information which is affecting my credit. My next complaint is I have been disputing XXXX in the amount of {$4800.00} which again I do not owe. This was paid in full when I turned in my lease. It is reporting my new lease payment which is correct but then showing a monthly payment of {$4800.00}. Common sense shows that a auto payment can not be {$4800.00} per month. I have disputed this with transunion and they keep responding it has been verified. I also contacted XXXX and was told that I have a XXXX balance as my old loan was paid off in full with no late payments. Another complaint I have is my XXXX account which is also paid off to a XXXX balance is still reporting a balance of {$120.00}. I contacted XXXX and was told they have contacted the credit reporting agency and verified that I have a XXXX balance on my account. Transunion responds the balance of XXXX is correct. This shows me that they are not doing a valid investigation. My credit score is low due to wrong information that transunion is refusing to correct. I am about to obtain legal advise as I have been dealing with this for months now trying to correct my report. Transunion also agreed to remove some of the XXXX remarks they are reporting which again is affecting my credit score. To date they still did not remove any remarks. I questioned why they keep reporting negative remarks on accounts that are current ... .paid ... .or closed? ... ... I am very fustrated as they are affecting me in obtaining substantial credit when they refuse to fix my report. I also have been disputing in public records XXXX tax liens that are paid in full. In essence there was only XXXX tax lien ... .not XXXX ... ..and it was to be removed from public records. XXXX and XXXX has removed them as it was deemed to do so but transunion just keeps telling me it 's been verified. Yes I had XXXX tax lien that is paid in full but it is suppose to be removed from my credit report. Transunion is a horrible credit reporting agency and they have no right to report wrong information about my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter containing : Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Without my written consent I have attached an invoice per violation.

You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none.

I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor
Product: Credit card or prepaid card

credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Product: Consumer Loan

The XXXX of the company XXXX XXXX Is A XXXX, And The Company Is Very Dirty, Not Only Charged me 3 Times as much as the car is worth, but also would n't work with me to help me keep my car, even Tho XXXX XXXX Lied and said he would, I had {$4700.00} left on a {$13000.00} Loan, not gon na lie I fell on hard times, and let them know that I 'd be missing some payments, but when I got back on track I 'd resume payments, also told XXXX XXXX that if I fell too far behind to call me and if I had n't made a payment I would, but instead of calling me, he just waited til I called and tried to make a payment, but instead of letting me resume payments, he threatened to put a warrant out for my arrest, even tho he knew I already was facing legal troubles, they claim that they try to help you avoid collections or repossessions activity, but that 's a lie, they 're just crooked money hungry bloodsuckers, also would n't even give me time to get important, valuable property out of my car, cause the car was at mechanic shop at time of repo, and actually if you also include all The repair work I had done on the car, even tho my loan was n't paid up I had still paid XXXX times more than the car was worth ... There really should be laws in place that protect consumers that have invested alot of money in something especially if it 's more than half, from XXXX like FIRST PEACHTREE FINANCE INC. And They Did n't Even Offer To Let Me Refinance.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies. My financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and tracking the transactions were infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Payday loan, title loan, or personal loan

I did resolve this with the company and received written confirmation that it was resolved in my favor. The institution is not honoring this and taking interest charges on a loan that is in the zero interest promotional stage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX, XXXX. Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX Account XXXX XXXX, has violated my rights XXXX 

XXXX XXXX XXXX XXXX A. XXXX I have a right to privacy. 

XXXX XXXX XXXX Section XXXX A. Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Full address XXXX XXXX XXXXXXXX XXXX XXXX XXXX Florida XXXX Full social- XXXX XX/XX/year> CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXXXXXX fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX XXXXXXXX XXXX fraudulent account XXXX XXXX XXXXXXXX. XXXX fraudulent account XXXXXXXX XXXX XXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.
Product: Mortgage

A short sale was commenced on my property with SPS ( Select Portfolio Servicing ). On XXXX XXXX, 2015, ON XXXX XXXX, the bank come back with a counter for the amount of {$270000.00} because the XXXX came back for this amount I tell her that is ridicules because this property is in bad condition. Also, the principal balance + extra charge is {$210000.00} was ridicules because the bank request a height offer them the payoff for this account. 
. 
My hardship is due to a financial hardship being that I 'm currently unemployed and do n't received unemployment benefits. I just have a baby so I now have XXXX kids to take care of. I has very difficult to live this way. I have made every attempt to salvage my home. I ask that you help to resolve our situation. The bank reviewed my file for a short sale and give to us an " Approval letter on XXXX/XXXX/15 we received the 1st Approval for a XXXX Short sale with the same offer of {$220000.00} then they give XXXX extension, but we can closing the property for a Problems with our bankruptcy and then the bank request submit again the file on XXXX/XXXX/15 because they can not give an XXXX extension on the Approval letter. 

Now the bank Request a higher Counter offer for the amount of $ XXXX.This property is in bed condition, please see attached Home inspection need a lot of repairs.
Product: Debt collection

On XXXX XXXX I contacted Enhanced Recovery - XXXX to settle my debt and spoke with representative XXXX who refuse to give me her last name because she claims she is the only XXXX that works in the office. I owed a total of {$260.00} and we settled the debt for {$150.00}. She told me I would receive my {$0.00} balance letter by email. The email I receives stated that after I paid the {$150.00} that I still owe {$110.00}. The phone call was recorded and it will be verified that we negotiated the debt settlement to be {$150.00} therefore I should not be receiving a letter that I still owe money. I received confirmation number of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Escalations XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX D.O.B : XX/XX/XXXX To Whom It May Concern : I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. 
This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. 
Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent. 
It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. 
Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX  ( social security )
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to ensure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent inquiries be deleted from my credit report immediately. Please remove it from my credit report or I am seeking litigation, please delete it. 

XXXX on XX/XX/XXXX. 
XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, MD, XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA, XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX. XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Mortgage

" State Farm Bank did not pay my local taxes in 2016 so I had to pay them. I contacted State Farm Bank and they said they would send me a check. This was in early XXXX. Since then, they have given me conflicting stories as to having sent the check or having not sent the check. Of course, you never speak to someone from State Farm Bank, you only get their call service. A supervisor today said the could not guarantee if I would ever get the money but if I did they would over-nite it to me. Not very reassuring.
Product: Money transfer, virtual currency, or money service

My Venmo XXXX XXXX that I have had in good standing for years is not allowing me to use bank accounts with XXXX XXXX XXXX  or or my associated XXXX XXXX card that Venmo verified ( to add money to my Venmo account allowing me to add money to my Venmo card. I have telephoned and spoken with Venmo associates and chatted via the app requesting why my transactions made for {$1000.00}, {$100.00}, {$200.00}, {$50.00} and {$300.00} all have failed to go through. I was not given a reason why they failed.
Product: Credit reporting or other personal consumer reports

I have received a copy of my credit report from TransUnion that currently still shows inaccurate information. I have sent XXXX requests to TransUnion for an investigation of the alleged public record listed of bankruptcy. I have received incomplete and unverified information back from TransUnion states that alleged public record verified per data furnisher. TransUnion has failed to advise how the alleged public record listed of bankruptcy was verified. 
XXXX XXXX Court Reference Number : XXXX Status : Dismissed Date Filed XXXX XXXXXXXX XXXX XXXX Reference Number : XXXX Status : Dismissed Date Filed XXXX I understand the FCRA Act under Section XXXXb was originally enacted back in XXXX to help promote accuracy, have the information blocked, fairness, and privacy in the collection and dissemination, and ultimately all use, of consumer credit file information. It provides multiple rights and protections for consumers. The credit bureau is legally obligated to either remove or block that information from their current report in XXXX days. 
The FCRA Act under Section XXXXb provides multiple rights and protections for consumers and outlines the regulations and expectations imposed on creditors, lenders, and furnishers of information to the credit bureaus : TransUnion, XXXX, and XXXX. It also establishes the requirements and guidelines for the reporting of consumer credit information, as well as the dispute resolution processes, and the requirements for gaining access to credit reports. 
I am a consumer showing proof that a negative item or multiple items on my credit report are inaccurate due to identity theft, the credit bureau TransUnion is legally obligated to either remove or block that information from my current credit report. 
Please find attached documents : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Georgia letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute XXXX ) TransUnion - Dispute
Product: Credit reporting or other personal consumer reports

I have XXXX XXXX  XXXX XXXX XXXX XXXX that went to delinqunt in XX/XX/2017 and later charged off. But it shows in the report as XXXX XXXX are supposed to be removed from the credit report as they passed 7 years. XXXX removed those XXXX accounts from the file but XXXX and Experian are coming back saying that the XX/XX/2017 is the correct date and not XX/XX/2017 and hence they are not deleting the accounts. I tried reaching out to the bank XXXX XXXX and they say that they don't have any information on this as it is more than XXXX XXXX XXXX. My SSN is XXXX. I'm raising disputes but XXXX comes back that XXXX  XXXX XXXX responded with the information is correct. If that us the case why XXXX  XXXX XXXX says they don't have information when I contact. XXXX, Experian and XXXX  XXXX XXXX are playing with my time and credit report. This is making. my house buying purchase hard. 

I'm attaching the XXXX XXXX report where the first deliquency is XX/XX/2017.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that Experian block several fraudulent items from my credit report, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). The inaccurate information includes a XXXX XXXX XXXX secured card opened on XX/XX/XXXX, showing a balance of {$170.00} and {$150.00} past due as of XX/XX/XXXX ; an XXXX secured loan that was opened on XX/XX/XXXX and closed on XX/XX/XXXX, with XXXX late payments listed ; and an XXXX XXXX account opened on XX/XX/XXXX that was charged off with {$99.00} written off and closed as of XX/XX/XXXX. Additionally, there are several hard inquiries that I did not authorize, including inquiries from XXXX XXXX XXXXXXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and Resident Verify on XX/XX/XXXX. I do not recognize any of these accounts or inquiries, and I am certain that they were not authorized by me. These items are the result of identity theft and have had a negative impact on my credit report and financial well-being. I have attached my updated FTC Identity Theft Report ( # XXXX and # XXXX ), along with my Experian credit report highlighting the fraudulent entries and other supporting documentation. In addition, I would like to request the removal of the address XXXX XXXX XXXX, XXXX, GA, which I have highlighted in the attached documentation. I kindly ask that you block these items from my file as required under FCRA 605B and provide written confirmation of the resolution to my email at XXXX. 

I mistakenly used the same information for my Experian dispute that I had used with XXXX, not realizing the differences in how each credit bureau handles disputes. As a result, my initial attempt with Experian was unsuccessful. However, I have now uploaded all the requested documents and have created a new, more accurate report based specifically on my Experian credit report to ensure that everything is correct this time.Thank you for your prompt attention to this matter. I look forward to your response.