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

Hello I have for the past 2 years tried to correct a problem with Equifax credit services, they have been reporting me as Deceased and not providing me a credit score. I have sent Certified documents to include birth certificate, drivers license and copy of my social security card to prove I am not dead or deceased.They consistently tell me they have all the documents they see the documents but they have not fixed the problem mentioned above and that it is the lender doing this not them The problem I have is they are reporting all my credit accounts, but not giving me a score on a month to month basis they also have addresses that I do not recognize or have not lived at in over 25 years and I want those removed, I respectfully request your assistance in resolving this problem and that Equifax be fined according to the Federal Trade Commision rules and regulations that govern them, thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate Credit Information Account : XXXXXXXX XXXX XXXXXXXX Account Number : [ XXXX ] Dear Sir/Madam, I am writing to dispute the information in my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account listed below is being reported inaccurately, and I request its immediate removal from my credit report due to unverifiable and incomplete information : Account Information : Creditor : XXXX XXXX XXXXXXXX Account Number : XXXX High Balance : {$20000.00} Balance Owed : {$20000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off account, Accounts closed by credit grantor Credit Limit : {$0.00} Discrepancies and Issues : Unverifiable Information : The information provided about the account could not be verified. 
Incomplete Information : Certain details are missing or inconsistent across different credit bureaus. 
Credit Bureau Reports : XXXX : No detailed information provided. 
XXXX : No detailed information provided. 
Equifax : Account reported with a balance of {$20000.00}, last verified on XX/XX/XXXX, and multiple charge-offs. 


Given the above inaccuracies and inconsistencies, I request that you promptly investigate this matter and remove this account from my credit report. As per the FCRA, you are required to complete your investigation within 30 days. 
I have enclosed a copy of my credit report highlighting the relevant account information, as well as any supporting documents that verify my claim. Please inform me of the outcome of your investigation at your earliest convenience. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX- Account number XXXX XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau in over 60 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you
Product: Debt collection

I called Midland Credit management on XX/XX/2023 to ask for a reduced amount that would settle my bill of XXXX from XXXX XXXX Credit Card. I explained to the Rep on XX/XX/2023 that I was XXXX and on a fixed income but I could pay a one time payment to clear the debt if reachable. My family was giving me the money. I told him that I could pay like XXXX dollars but needed it to be cleared. I know that the account is a charge off but I wanted to clean up my credit some. The Rep stated that he would have to speak with his account manager and when he returned to the phone he quoted me an amount of XXXX. Although this amount was above the anticipated amount that I had to work with, I stated that I would call back. At no time did the rep tell me that the offer would be voided once I hung up the phone. 
I did live chat today XX/XX/2023 so that I could have some written documentation. I explained to the Rep " XXXX XXXX '' what I needed and recapped from XX/XX/2023. At first XXXX was very adamant and said that sorry can not do anything and I am not going to honor the amount from yesterday. I again explained my situation and then he still stated that it was policy and he could not offer me but the offer that he was giving me today would last until XX/XX/2023. I replied with so the chat can be extended but my phone call can not. He was like you either want it or not. I explained once again that the offer amount was too high and that i really needed the amount from yesterday. He said well just for you I will come down. He came down like to XXXX and I said I can not afford that but now I can see you do have the authority to make offers and changes. 
I told him that i felt he was belittling me and being very discriminatory as he knew I could not afford those amounts and he found it amusing to keep doing that. I ended with asking him to send me the transcript of our chat so that I could forward to cfpb to take a look at it. He replied that he had no way of doing that but he would be sure to send me a bill in 7-10 days. I found that disrespectful and again belittling. I was able to copy and paste the transcript and I saved it in a file that I will also upload.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASEUPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX MEDICAL XXXX XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX XXXX
Product: Debt collection

I have a XXXX account on my credit with a telephone number that has never been mine. I have had my phone for over 15 plus years. 
This number is not mine. This is not my account. This is an Ex 's account. He still has the number. He still has the phone. 
This is since 2012! Should be off my records! No record of my name ever being on this account. No signed documents from me I am unable to get a home because of this NEGATIVE account on my credit!
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I had applied for a loan from Quick Credit Inc and I got approved for a loan. As the process was undergoing one of their representatives XXXX XXXX reached out and told me that before we continue they needed my credit score to go up. So therefore they said they were going to send me credit funds into my bank account and therefore with those funds I needed to buy prepaid/gift cards with the total amount they said which was {$1000.00}. They were purchased. Info was sent over but what I didnt check was that they had requested claims on transactions I had already made on my bank account therefore those funds that the gift cards were purchased with came within my account. They never sent any funds. I got completely scammed. I have proof of a contract, messages, calls, transactions with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the XXXX collection account # XXXX with XXXX, Transunion and XXXX  as a fraudulent account. All bureaus except XXXX have removed this fraudulent account from my credit report and XXXX  has never replied to any of my multiple disputes. 

I also disputed the XXXX XXXX collection account # XXXX with XXXX, Transunion and XXXX  as a fraudulent account and neither bureau has removed this fraudulent account from my credit report or replied to any of my multiple disputes. 

My disputes included a dispute letter to each credit bureau, Police Identity Theft Report, Notarized Fraud Affidavit, social security card, drivers license and 2 proofs of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX, DPT EDXXXX Company Inquiries : XXXX 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

In Accordance with the Fair Credit Reporting Act XXXX Reference # 's XXXX and XXXX has violated my rights. 15 U.SC. 1681 section 602 A, States : I have the right to privacy. 15 U.SC. 1681 section 604 A Section2 : Its also states a consumer reporting agency can not furnish a account with out my written instructions. I have disputed this information several times and I keep getting the same result Under the FCRA, section 609, I am requesting all information related to debts listed on my credit report. It states that I am entitled to all documents related to each item, including each original credit application and contract containing your signature. XXXX refuses to provide that information.In addition to requesting information about items on my credit report, I am requesting that if they can not verify the information by locating the original contract or other documents necessary to validate the bankruptcies on my credit report, they must remove them immediately. Section 611 of the FCRA. It requests that the credit bureau provide the method of verification they used to verify a disputed item. I asked experian how do the verify the information and they stated with the courts.I called the courts and they stated they do not provide that information to any of the credit bureaus. The credit bureaus get that information from public records like lexis nexus. I will not accept another reinvestigation of the information Only deletion of the information
Product: Credit reporting

I DID dispute information only showing on my Equifax credit report regarding a judgement that I do NOT owe and asked for validation proof regarding the item on credit referring to XXXX county court for a XXXX XXXX. No other reporting agency is reporting the item only Equifax. I sent my dispute on XX/XX/XXXX certified mail and to date they have never responded and the item is still on my credit report. This item is keeping me from get a mortgage and causing financial distress. This is a violation of my rights and they have ignored my validation request. they need to remove the item immediately. I have attached the proof I sent the dispute by certified mail and the proof they received my dispute as well as my credit report. Please help
Product: Payday loan, title loan, personal loan, or advance loan

I am the business owner of XXXX XXXX XXXX. I use Square ( by Block Inc ) to process all of my business credit card processes as well as invoicing and inventory management. From time to time Square offers a loan based on that processing criteria. I was offered a loan for {$8000.00} and re-payment would be via daily percent of sales. I was later denied because my wife 's business had a small loan with this company. It is a DIFFERENT COMPANY, DIFFERENT EIN! Now, that loan WAS PAID OFF, and now Square, Block Inc. has COMBINED THE TWO ACCOUNTS!!! Regardless of trying to explain the error we made, and the fact the loan was paid in full and now that other account DEACTIVATED, this company shows HER LOAN IN MY ACCOUNT! TODAY! I got an email XX/XX/XXXX stating they have now " added a payer '' to the loan, which is MY ACCOUNT! I did not authorize this, and further, the other loan is SATISFIED! This action HARMS THE BUSINESS as other business she headed up was a SHORT TERM TEMPORARY EFFORT for holding trade shows! Which we are not doing at all, whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. 
XXXX XXXX XXXX XXXX : {$0.00}
Product: Debt collection

I contacted Burr and Reid on multiple occasions. I then had my insurance call Burr and Reid and they explained how I was covered the entire time and it is illegal to not only bill XXXX recipients but also illegal to put XXXX recipients into collections. They told my insurance company and myself they needed such proof to show I was covered. My insurance provided every document they asked for. I hand delivered all the documents they asked for in mid XXXX. They said that as soon as they received those documents that I would be taken out of collections and it would be taken off of my credit report. I have not heard from Burr and Reid since that day, and they have not taken me out of collections.
Product: Debt collection

Debt appears on credit report. States that it is a mortgage loan for one month. Not my mortgage loan. Nobody takes out a mortgage loan for one month and for XXXX.
Product: Debt collection

There is a collection on my credit report in the amount of {$420.00} showing creditor as XXXX XXXX when I have never used XXXX XXXX before.
Product: Vehicle loan or lease

During this COVID-19 virus crisis, I have been trying desperately to get in contact wit TD Auto Finance to ask about my options while the Stay at home orders have been issued and work time has been reduced. I sent emails asking about this and received two responses stating to call the hotline for a resolution. At first when I called I would sit on the phone for hours only to be disconnected. Now as of XX/XX/20 when you call the customer service line XXXX it continues to tell you to contact them via their secure message center for a resolution and then disconnects. Messaging them again I receive the same response to call in or just receive no response at all. Now I may have a buyer for my vehicle and I have no way of getting in contact with TD Auto Finance because it seems they have just forgotten about their customers during this crisis. I need a resolution to this problem so I may sell my vehicle before this opportunity to self relieve from the burden passes.
Product: Checking or savings account

Hello US BANK you keep my ending balance XXXX $ for over 2 months, and I tired to ask your customer service, but no one has any idea about my account information. Please inform me when you will release my money.
Product: Debt collection

They have called from different numbers. The one provided is the most recent number. They call me 3 to 5 times a day and most times it is not even an hour apart from each other. I have talked to them and then they call the next day. I understand I owe them money and I have not denied that. and I have explained each time I am a single mom trying to get things straightened out since my husband left me high and dry a few months ago. If they are not willing to understand and follow the LAW then I want my debt forgiven and for them to move on. I should not be harassed every day about this when I have spoken to them and confirmed who i am and explained each time.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in addressing a serious issue with TransUnion 's reporting on my credit file. Specifically, TransUnion has reported accounts that are fraudulent and do not belong to me. Despite my efforts to dispute these inaccuracies directly with TransUnion, the fraudulent accounts remain on my report, negatively affecting my credit score and financial well-being. I kindly ask for your intervention to investigate this matter and ensure that these erroneous entries are promptly removed from my credit report. Your support in resolving this issue would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2020 I disputed several items with Transunion. Transunion failed to investigate the following disputed items on the credit report within 30 days. In addition they failed to provide the information on file for the disputed accounts evidencing proof that i engaged in a consumer transaction..
Product: Mortgage

I have been working with Truist Bank since XXXX, XXXX to facilitate a mortgage modification in conjunction with my bankruptcy filing. On XX/XX/XXXX, I was approved for a trial modification plan with monthly payments in the amount of {$1900.00}. I made payments in accordance with this agreement until XX/XX/XXXX, at which time Truist requested a new modification plan. On that date, I was enrolled in a modification plan which superseded the previous plan, with new monthly payments in the amount of {$1100.00}. 

Under the terms of the trial modification plan, three monthly payments in the amount of {$1100.00} were to be paid on or before XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I made painstaking efforts to make timely, in full payments in spite of financial difficulties I was facing at that time. After the final payment due date of XX/XX/XXXX, Truist confirmed that the terms of the trial modification plan were fully satisfied and sent via overnight mail a packet of documents to sign and notarize in order to finalize the modification. These documents were signed and notarized, and returned to Truist on XX/XX/XXXX. 

I continued to make regular, timely payments to Truist in accordance with the modification agreement. On XX/XX/XXXX, a Truist representative contacted me by phone to confirm that the modification packet was received and verbally confirmed the terms of the modification with me. At some point in XXXX, XXXX, Truist again sent a packet of documents to sign and notarize, despite having already done so. Once again, these documents were sent back to Truist. 

However, since that time, Truist has repeatedly backpedaled as to whether the documents were received by them or not, and the subsequent consequences. Every phone call placed to Truist and every different agent I spoke to provided different, conflicting answers as to whether the second modification packet was received by Truist, and the status of the modification being finalized. I have fully complied with all of Truists requests before and during the trial modification period, and during all times after the trial modification ended. 

In spite of a very difficult personal family & financial situation, I have diligently made all payments in a timely fashion. Truist has cripplingly failed in their obligation to adequately service my account. My most recent conversation with Truist representatives indicated that due to not receiving the modification packet, the modification offer has been revoked and it would be necessary to start the process all over again, after nearly a year of working toward a resolution. This is completely arbitrary and capricious, and frankly unacceptable to treat customers in this manner.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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

On the date of XX/XX/XXXX I contacted Transunion about the unverifiable accounts addresses and inquires pertaining to invalid and unauthorized information being reported by information being reported on my credit report. it has been over 30days since I have submitted my dispute and I have heard or seen any progress in an investigation
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX Balance Owed : {$41.00} ; XXXX  XXXX XXXX Balance Owed : {$300.00} ; XXXX XXXX XXXX XXXX Balance : {$5100.00}.
Product: Debt collection

I have a attempted arbitration in the matter of LVNV AND XXXX XXXX. In which they have defaulted in the administrative process. No response or delay in not paying fees regarding administrative process hinder resolving the matter.
Product: Debt collection

I rented a storage. i went to XXXX the storage sold all of my stuff my kids clothes, my family pictures. then they sold the account to a collection agency and the agency is reporting to my credit. The debt is already paid with them auctioning off my entire life.