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

I am a victim of identity theft and have been fighting the removal of personal information and accounts that are fraudulent. Transunion keeps stalling their investigations even though I have sent all required documents and form of identity to support my claims. They are stating that they need to investigate 30 days which is a violating of my consumer rights that protect me from identity theft. 

Pursuant 15 US Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Transunion is not cooperating with my request and is clearly violating my rights! I have attached a conversation that I had as well and the representatives are in understanding that this is a violation but aren't doing anything about it. Below are all my current complaints that have been completely ignored and that have violated my consumer rights stating that identity theft items need to remove within 3 days NOT 30 DAYS if appropriate proof is given, provided identity theft report and identification of personal info which I have COMPLETED. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I learned of a debt collection on my financial credit report, which is adversely effecting my credit rating. 

I contacted Diversified Consultants, to learn this was for an outstanding balance from XXXX for services I cancelled. I never received a bill from XXXX! I was informed by XXXX XXXX at Diversified, that it was for services prior to my canceling the service. ( Billing in the rears ) I advised I would pay the bill immediately and did so during the telephone conversation. 

I requested that the debt collection be deleted from my credit report and was refused!! Mr. XXXX, not only was rude, arrogant, he provoked me into loosing my temper. 

When I requested to speak with a supervisor I was advised that Mr. XXXX XXXX was unavailable to take my call. I was then transferred to a XXXX XXXX, who also refused to remove the debt collection notice off of my record. Stating it they aren't paid to remove the records. I again, requested to speak to her superiors and was refused stating the the executives do not take consumer calls. 

I feel this is a perfect case of consumer fraud, and this inappropriate business model is adversly affecting my credit rating.
Product: Bank account or service

This is a notice to cease unauthorized inquires into my credit report and a formal demand that you immediately contact the credit reporting agencies and bureaus to have your illegal inquiries removed. While checking my personal credit report from XXXX, I noticed an inquiry made by your organization. 

The details of the inquiry are as follows : Address Identification Number : XXXX Inquiry made on : XXXX/XXXX/2014 Inquiry made by : Bank of America I did not approved your organization, or any person associated with your organization, to make such an inquiry. This violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also demand that you remove my personal information from your records. Please send written confirmation that you have complied. 

If you believe that you posses sufficient document that supports your authorization to make the inquiry, please forward a copy so that I may verify its validity.
Product: Student loan

I went to college as an adult learner and graduated from XXXXXXXX XXXX College in XX/XX/XXXX. I was in my early XXXX 's at the time and started a family in the year XX/XX/XXXX. I did put my loan into forebearance for a few years when my child was small and I was only working 2 days per week. 

Sallie Mae/Navient wanted an extremely high monthly payment when I left the forebearance status. Of course I was unable to meet that amount and asked for " options. '' I feel as though I was misled by these options in that now ... .at age XXXX ... .. ( 20 years after the loans were initiated ) ... XXXX owe {$3000.00} MORE than I originally borrowed even though I have been paying steadily since sometime in XX/XX/XXXX. In some years NOTHING went toward the principal .... for example in XX/XX/XXXXI paid {$1700.00} to Sallie Mae/Navient ... .. of that {$1700.00} ... ... a mere {$49.00} went to the principal based on my account history online. This is appalling ... and the interest just kept tacking on!! 

I just recently put a lien on my " paid-off '' home and took out a home equity loan to pay Navient off .... because I don't want them to get another dime from me! However, I feel that if there is some type of illegal practices suit against them, I would like to be considered for reimbursement. If nothing else, let this complaint serve as a means to warn future borrowers against their deceptive tactics. 

I would be happy to provide my name, account information, etc. 

I can be reached at ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX states that you are bonded in the state of Texas, however you were not bonded till XX/XX/XXXX. XXXX XXXX XXXX purchased the debt XX/XX/XXXX, XXXX XXXX XXXX was not bonded in the state of Texas when the debt was purchased which makes XXXX XXXX XXXX in violation of the TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001.  XXXX XXXX XXXX made several attempts to contact me as well as mailing out collection letters when XXXX XXXX XXXX was not bonded, Sending collections letters and attempts to contact me XXXX XXXX XXXX is acting as a holder, as specified in the Texas Finance Code,  which the case says requires debt holders to obtain a license which was not obtain at that time. Where a holder fails to obtain the required license, it is prohibited by law from acting as a holder, XXXX was unlicensed as a holder, and therefore attempted to collect on a debt it is prohibited from collecting. 
I would like to bring to the attention that I am fully aware that XXXX XXXX XXXX currently has a class action lawsuit against them right now for this exact same reason. Currently all I am requesting is the immediate removal of this tradeline from my XXXX credit report, as XXXX XXXX XXXX has violated the aforementioned laws, you may not sell or assign to another debt collector. Please note I am fully prepared to pursue my rights. I further remind you that you may be liable for your willful non-compliance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

SENT DISPUTES OUT WEEKS AGO, DISPUTING THE ACCURACY OF ACCOUNTS REPORTING ON MY CONSUMER REPORT. THEY DID NOT GET DELETED. THE ACCOUNTS BEING DISPUUTED HAVE SEVERAL INACCURACIES AND MUST BE DELTED UNDER THE FCRA. UNVERIFIED, INACCURATE ACCOUNTS CAN NOT BE REPORTED ON A CONSUMER REPORT. AFTER YOUR REINVESTIGATION, DELETE AND BLOCK THESE ACCOUNTS THAT ARE REPORTING THE INFORMATION THAT IM DISPUTING. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I ALSO AN ACCOUNT THAT IS REPORTING LATE PAYMENTS IN THE PAYMENT HISTORY. THE ACCOUNT IS CREDIT ACCEPTANCE. I HAVE NOT BEEN LATE ON ANY PAYMENTS. YOU HAVE 30 DAYS TO SEND ME VERIFIEABLE PROOF THAT I WAS LATE. IF YOU CANT SEND THE INFORMATION OR PROVIDE ORIGINAL DOCUMENTION PROVING I DIDNT MAKE THE PAYMENT, THE YOU ARE REQUIRED UNDER THE FCRA TO UPDATE ANY LATE PAYMENT IN THE PAYMENT HISTORY TO " : PAID ON TIME, CUURENT, PAID, NEVER LATE. ''
Product: Credit reporting or other personal consumer reports

I continue to get willfully neglected but it's fine because I'm just collecting these notices and letters to show the actions of standard procedures on willfully neglectful and to stall and to lengthen the time length as much as possible to drain out. your practices are being exposed little by little it will be presented in a court of law. bylaw you are required to keep my for accurate I have attached a form to show inaccuracies from TransUnion therefore TransUnion must adhere and Obey to my demands this moment immediately
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I discovered the credit reporting agencies are reporting inquiries to my record from the agencies listed below on the date shown above the name of said agency listed below. Per 15 USC 1681b Permissible purposes of consumer reports subparagraph ( 3 ) Information regarding inquiries says except as provided in section 1681g ( a ) ( 5 ) of the title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
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 XXXX XXXX XXXX. 

Account name : XXXX  XXXX # XXXX Account name : Department of Education/XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX XXXX # XXXX Employer ( XXXX ) : XXXX Name ( XXXX ) other than XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX Phone number ( s ) : XXXX XXXX XXXX, XXXX has/have 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX , NV XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account continue to be a mystery to me, I do not have a financial obligation with this company. They have no verifiable proof. 

XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

I have a Mort gage Loan with Wells Fargo. Bec ause of the various hardships, explained in the attached  Hardship Letter, I fell behind on my payments. I applied for a HAMP Loan Modification  on   XXXX   XXXX   XXXX    ( 51 Pages - p roof attached ) and submitted a complete package. Subsequently they asked me to submit some supplementary docs., which I did through my  3rd part y.     I am surprised to learn that my request has been turned down, because  Wells Fargo  had offered me a TPP Plan, last year - WHICH I NEVER RECEIVED.When my 3rd Party asked to have a copy of the same, they did not want to send it.     So how can I be denied a Modification, for which I feel I am fully eligible, when I did not receive any at all?     I understand that under  HAMP ev en people who received a Loan Mod earlier and defaulted can also apply for a Loan Modification  again.However, ther e is no question of a default as I did not receive any TPP Plan at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

References : XXXX XXXX XXXX After attempting to get this problem fixed Equifax illegally froze my account without my authorization ( ref above complaints ). 
They sent me an email the other day saying that they need more time. Today I got the most insulting email from them yet, as follows : ____________________ Dear XXXX XXXX, Please accept my formal apology for the delayed response to your concern and we appreciate the opportunity to address this matter on your behalf. 

Please attempt to access the website again, the issue may now be resolved. 

If you are still experiencing technical difficulties, please contact our Consumer Services Team at XXXX. You will be able to speak with one of our representatives, 7 days a week from 8 am till Midnight ( EST ). 


Thank you for contacting Equifax, XXXX I Equifax Customer Care Team ________________________________________________ This is outrageous. I want this fixed RIGHT NOW. The NERVE of this woman to tell me that it " may now be resolved '' but if it's not I should call back to where I started??? REALLY??? 
And guess what, it is STILL not working. 

NOW. This must be fixed NOW.
Product: Credit reporting or other personal consumer reports

The account is not my account the account is inaccurate, the account is open under fraud. All checking accounts that's listed under my social security number is fraudulent. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of Identity theft. Please assist in helping removing away from my name. These are not my account. I never had knowledge of this until now
Product: Debt collection

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  ENHANCED RECOVERY for re porting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I would like to have these inquiries deleted. I did not authorize this, and this is a fraudulent issue. I didn't authorize these companies to run my credit, nor did I authorize anyone else to apply for any credit from these companies. In the last 2 years I've received mail from 3 companies stating that my information was involved in a Data Breach and all my information including my SSN and BD was a part of the Data Breach and for the last 2 years I've been seeing unauthorized inquiries on my credit report, and I would like to request for all to be removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your urgent assistance in addressing critical inaccuracies and unrecognized accounts on my credit report. I have repeatedly disputed the accounts listed as XXXX XXXX XXXX XXXX XXXX  which I do not recognize, and I have taken several steps to resolve this matter. 

In full compliance with the Fair Credit Reporting Act ( FCRA ), I have demanded verifiable evidence of these accounts, specifically the original signed consumer contract. Regrettably, the reporting company has neglected to provide this essential verification or appropriately respond to my valid concerns. 

To substantiate my dispute, I have submitted comprehensive documentation, including an FTC report, an affidavit of dispute stating my intention to pursue legal action, proof of identity, my Social Security card, and a marked-up copy of my credit report highlighting the disputed items. 

The presence of these unverified accounts on my report is not only inaccurate but is also causing me significant emotional distress and financial harm. I urgently implore you to take immediate action to rectify this situation and ensure that my credit report reflects only accurate and verifiable information. Thank you for your prompt attention to this serious matter. I look forward to your swift and favorable response.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate and according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This ( Account Name & Account Number ) And XXXX more thing according to 15 USC 1681s-2 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Check the attachments below
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

Hello there ive been trying to solve a problem with my credit report its showing lot 's of inaccurate information that I try and dispute on my own and can't resolve. There is a XXXX XXXX  from XXXXXXXX XXXX  that I never asked for or received in the amount over XXXX around XX/XX/year>. I never bought any car from there or there associates.. also the address they have on my credit report is inaccurate I've tried to dispute the information with credit karma, XXXX, XXXX and can't resolve the issue.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair credit Reporting Act, XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Offer email received on XX/XX/XXXX from BestBuy. 

This offer is only for the My Best Buy account associated with this My Best Buy Visa Card. Activate offer and use your My Best Buy Visa Card to make at least XXXX purchases that total {$300.00} or more outside of Best Buy or XXXX XXXX XXXX  & XXXX XXXX  between XX/XX/year> and XX/XX/year> and get a {$40.00} promotional reward certificate. Promotional certificate valid for 30 days from issuance. Rewards will post to your loyalty account 3-4 weeks after qualifying purchases have been made. Offer is non-transfe I made all the purchase before XXXX and didnt receive the rewards till now. Agent is giving false information that it got credited and expired.