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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am submitting this complaint on my own behalf to address an issue concerning late payments reported on my credit record. After reviewing my records, I found these late payment entries. However, despite sending letters regarding this matter more than 30 days ago, I have not received a response, and the creditors have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Act Name : XXXX  XXXX XXXX, XXXX Number : XXXX, Act Name : XXXX XXXX XXXX XXXX Number : XXXX Act Name : XXXX XXXX XXXX, XXXX Number : XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which anteaters the report by more than XXXX ( XXXX ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable XXXX Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. XXXX XXXX XXXX, XXXX CARD, XXXX, XXXX CO XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXX ( XXXX ) years
Product: Credit reporting

I, XXXX XXXX sent dispute to TRANSUNION to discontinue reporting false info on my credit file hurting my creditworthiness. An investigation was done and the credit bureau says the debt is verified by the collection agency. The collection agency received my dispute and concluded that they donot have any info in their office pertaining to XXXX XXXX or the SS # associated with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

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

I, the consumer, sent a letter on to the each of the credit reporting agencies XXXX XX/XX/2023, XXXX- XX/XX/2023 and Equifax- XX/XX/2023 , requesting removal of inquiries and requesting all accounts be updated due to improper reporting based on the Privacy Act of 1974, CFR guidelines regarding disclosure of nonpublic personal information to nonaffiliated third parties ( credit reporting agencies ) and partial opt out. They have not responded to my correspondence nor have they updated my tradelines on my credit reports.
Product: Debt collection

I learned that XXXX Systems reported account # XXXX to the credit reporting agency. On or about XXXX XXXX, 2016, I contacted Armor Systems and I stated that I was disputing the debt owed. I was told to put it in writing and email a letter to them. The letter was emailed. On or about XXXX/XXXX/16, I contacted Armor Systems XXXX and XXXX XXXX from the credit department hung up on me stating that she does not have to assist me. Called back and spoke to XXXX XXXX again and she stated that they never received the letter emailed to them on XXXX XXXX, 2016. I again stated to XXXX XXXX that I was disputing the debt and will forward another letter to them. I asked XXXX XXXX what contact information did they have on file for me. XXXX XXXX stated that they tried contacting me at XXXX. I explained to XXXX XXXX that the number is disconnected. XXXX XXXX also stated that they sent a letter to XXXX XXXX XXXX XXXX, XXXX XXXX. I told me XXXX XXXX that I 've never received a letter nor did I receive a phone call. I was not notified by Armor Systems about the debt until it was unfairly reported to the credit bureaus. I should 've been given an opportunity to dispute the debt but instead Armor violated the law by not allowing me the opportunity to dispute it instead the reported it to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no reasonable explanation for my credit score to go from XXXX XX/XX/2021 to XXXX XX/XX/2021. My credit score has been over 800 for more than 10 years. There was XXXX late payment during the specific time period. A excellent credit scores mean the world to me for many reasons. 

I spoke with Transunion representatives with no satisfaction. They told me to look at the report for the answer. Their system calculate the score based on the information in the report. I need HUMANs to look at my case to assess this flawed process. 

I requesting you intervention and support with this matter.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Date Opened : XX/XX/year> Balance Owed : {$670.00} Charged off
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX  XXXX Balance : {$440.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$29000.00}.
Product: Prepaid card

I purchased visa gift card labeled as debit from giftcardmall, but they are sending product incapable of handling debit transactions. 

The major issue is that this specific debit product I received does not come with PIN ( in violation of federal reserve board regulations ), therefore, it can not be processed as debit card even though it has the word of DEBIT on the card. 

Additionally, they deliberately mixed the " terms and conditions '' of different products ( issued by different banks ) for the same item, so that consumers are unable to tell which product we are actually purchasing. 

The terms and conditions page for the item : XXXXXXXXThe terms and conditions page for XXXX product : XXXX
Product: Credit reporting

Incorrect name and a address that I have never lived at, not even lived in that town.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the negative impact of your recent consolidation process on my credit report. Specifically, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These inaccuracies have significantly damaged my XXXX XXXX and limited my financial opportunities. I believe this is a violation of my rights under the Fair Credit Reporting Act. 
I have attempted to resolve this issue directly with XXXX, but to no avail. I kindly request that you take immediate action to correct these errors and restore my credit report to its accurate state. 
I would appreciate a timely response and resolution to this matter. If the issue is not resolved promptly, I will be forced to escalate the matter to the Consumer Financial Protection Bureau and other relevant authorities. 
Thank you for your immediate attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

My report is not accurate and incomplete. Payments show delinquent for XX/XX/year> and XXXX of 2024 Account # XXXX XXXX XXXX XXXX according to the fair credit reporting act whenever a consumer reporting Agency prepares a consumer reporting it shall reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to. 15USC 1681 ( c ) ( b ) and according 15USC 1681 I5 They are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information. ( A ) In general after reinvestigation under paragraph ( 1 ) of any information diputed. 
Please also see attached invoice provided by XXXX XXXX wich shows the inaccuracies on reports.
Product: Debt collection

After numerous phone calls from XXXX XXXX XXXX for an alleged debt collection, the company sent me a letter since I would not give them personal information over the phone. The letter arrived on XX/XX/XXXX and states that I owe a debt to XXXX XXXX XXXX ( XXXX ) and asks for {$370.00} as the amount due. My last business transaction with XXXX ended in XX/XX/XXXX with an auto lease termination and all charges paid in full ; no further communication from XXXX was received after that. I called XXXX on XX/XX/XXXX and spoke with an agent in their finance department who reviewed my account with them. The XXXX agent stated that my account was closed and paid in full and that there were no flags attached indicating a dispute. In my mind this is an attempt by SRA to extract money from me for a bogus debt. Watch out for communication from SRA and do your homework to verify that the alleged debt is real. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Product: Credit card

I will not accept your attempt to downplay my identity theft claim as a mistake or a misrepresentation of essential information. WHO HAS GIVEN YOU THE AUTHORITY TO DECIDE WHAT CONSTITUTES A SIGNIFIVANT FACT? YOU ARE NOT A JUDGE, A JURY OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! Your right to do so is non-existent. 

My distress arises because I have fallen victim to identity theft, a criminal act that has caused me severe emotional and financial turmoil. However, the response from your company, or rather the lack thereof, has shown a shocking disregard for the urgency and seriousness of my situation. 

Let me be perfectly clear : I will not tolerate the indifference and apathy I have encountered so far. As an identity theft victim, I have suffered from unauthorized account and transactions that have tarnished my credit profile and jeopardized my financial stability. The consequences have been severe, impacting my ability to obtain loans, mortgages, and even job opportunities. 

I insist on immediate and unwavering attention to my identity theft disputes. The sluggish pace at which your company has operated is nothing short of negligence, and it has exacerbated my suffering. It is high time you recognize the real-world consequences of your inaction. 

I urge you to expedite the resolution of my identity theft disputes without further delay. I require a thorough investigation into these matters, the removal of fraudulent account from my credit report, and the restoration of my financial standing. My rights as a consumer must be upheld, and justice must prevail. 

Here is the account that I want to be removed : XXXX XXXX. 

Should my requests for swift and decisive action continue to be ignored, please be aware that I am fully prepared to escalate this matter through legal channels. I will not hesitate to seek legal counsel to hold your company accountable for its lackadaisical response, the resulting harm to my reputation and credit, and the immense emotional distress this ordeal has caused.
Product: Prepaid card

Throughout the month of XXXX, I have tried to use my American Express gift card at numerous merchants in-person and online. Supposedly, the card should be accepted by any merchant that accepts American Express credit and debit cards. 

Instead, I found that the card was declined everywhere. One store asked me to leave once they saw the gift card. I can only surmise that the cards have become synonymous with scammers or something. 

I called AMEX 's support line to try to get the money stuck on the card usable. I was told to every time to wait for 24 hours and try again with a different merchant. Despite doing just that, I found that no one would accept the card. AMEX support refused to offer any other solution.
Product: Mortgage

This is regarding Flagstar 's violation of Servicing Rules for Successors in Interest. 

After attempting to talk to someone at Flagstar on the phone, for several months, on XX/XX/2019, I notified Flagstar loan servicing department regarding loan XXXX, " This loan is in my ex-husband 's name but I got the house in the divorce. I am aware he is behind on payments - what can I do to get the loan into my name? " .I never received a response from them of any kind. 

It wasn't until XXXX, when I was made aware that the house might go into foreclosure that I was advised that my ex-husband needed to execute a third party authorization in order to speak with me since my name was not on the loan. On XX/XX/2019, I sent the requested signed document to Flagstar. 

The loan was modified in XX/XX/2019 ; however, it has come to my attention that Flagstar should have contacted me when I notified them in XX/XX/2019 as to what my courses of action were to get the house transferred to me. Had this been done, I would have taken care of that ; the house wouldn't have fallen into foreclosure and I would not be looking at a home loan that is more than {$10000.00} greater than the original loan due to my ex-husband 's violation of the court order for support payments, subsequently resulting in lack of payment.
Product: Credit card or prepaid card

Regarding my recent late payments in relation to medical issues I am requesting late charges be waived and removed from my account. 
And also removed from the consumer reporting agencies. I would like to have my minimum payment amount lowered. 

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

This account is XXXX years old and reporting illegally as paid as agreed. I requested for it to be taken off my credit, I've had no communication with this company and made no payments. This company and sending false information. 

XXXX XXXX Balance XXXX Open date XX/XX/XXXX The company updated false information on XX/XX/XXXX because the 7 years mark was coming XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

I am In the process of being XXXX  due to an issue caused by a XXXXXXXX XXXX as I am not getting approved for a home loan due to a late payment with XXXXXXXX XXXX 

I left the country for a month, and before I left I submitted a payment for my auto loan as I normally do. I received a confirmation from XXXX XXXX that my payment was processed. When I got back to the XXXX I was able to log into my XXXXXXXX XXXX account only to find out that the payment I submitted had an issue. Mind you, this was the first time I had this issue, XXXX XXXX failed to inform me that there was an issue with my payment and now they are reporting me as late. I talked to them and they told me they are only required to send me a physical letter which I confirmed with my local post office that it was never received. XXXX XXXX  then stated that they are only required to do that and therefore they don't let customers know of issues with payments. I talked to XXXXXXXX XXXX and they confirmed that they do provide that service. I am upset that XXXXXXXX XXXX does the bare minimum to communicate with customers, and sending letters is not effective as letters can be lost in the mail, which seems happened to me. I don't think this is fair and I would like XXXX XXXX to remove this report from my history. I have not had any late payments and the month of XXXX was the only exception due to the XXXXXXXX XXXX 's lack of ways to communicate. I also sent a screenshot of all the letters that get uploaded to the XXXXXXXX XXXX app from them and no letter is available with their notice, the point of that function is to prove that they sent the letter and that doesn't even reflect on my app.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the TransUnion s end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Debt collection

I had a XXXX Account opened in XXXX and its been paid off for years. It doesn't even show up on my credit report. Midland Creditors sued me without me knowing did paperwork at a XXXX Superior court house in california. I got an alert that may bank account was levied. I went to the bank because i did not  know what was happening my saving was wiped out, no money. The bank told me my account was levied by Midland Creditors. They gave me a case # so i went to the court house, I then went to the court house to inquire on what happening because i was so nervous because they took my money and i have that money for my bills. I request all paperwork pertaining to my case #. I have never ever received any of the documents that were being used in court. So apparently i missed a court date for me to appear so the judgement went against me and they were able to levy my acct. I contacted Midland and the account number they gave is not my acct number because i have my old credit reports from XXXX and my XXXX   acct does not match the acct number they claim belongs to me. The original amount they stated is {$7200.00} but they applied interest and know they want {$15000.00}. Please see attached document from Midland. I got a lawyer and they basically told him that I owe with no proof of the loan only my name and ss #. They have no proof nor does my acct number match there's. My husband also received a letter from the XXXX County Sheriffs Dept that his account was subject to a levy as well.the paperwork attached summary is all the documents that were being filed with the court behind my back. I knew nothing about this. In XXXX i purchased my first home, then in XXXX my second home never has this beneficial acct number been attached to me.
Product: Checking or savings account

I had fraudulent charges on my Direct Express debit card, i immediately call them and cancelled my card and they sent me paperwork to fill out. I received the paperwork XX/XX/2023 and filled it out and sent it back in XX/XX/XXXX via 2 day postal express and they received it XX/XX/2023. They denied it XX/XX/2023. I filed and submitted my police report number with the Sheriffs name and info included. I dont know how they investigate in 2 days on a XXXX  and XXXX  and deny that XXXX. They are frauds.