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

Dear Consumer Relations : Please be advised this letter is being sent to request an investigation with your agency in regarding the inaccurate entry being reported onto my credit report under Bankruptcy Chapter XXXX-Dismissed for account # XXXX. I have repeatedly asked TransUnion for evidence to support their reporting, but yet again, they have failed to provide me with a copy of any viable evidence submitted by Bankruptcy Chapter XXXX-Dismissed, XXXX and XXXX, substantiating their claims. 

Secondly, I have requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Given that I believe they are acting in bad faith and have not complied with the Fair Credit Reporting Act, I had no choice but to file a complaint with the Consumer Financial Protection Bureau. 

Furthermore, the Bankruptcy Court states within their letter that they do not report public records with any credit reporting agency. Also the security freeze prevents XXXX and XXXX XXXX from releasing any of my reports. Please see attached copies of documents that substantiate my claim. I request TransUnion to please look into this matter immediately and correct the inaccuracy within the time frame required by the Fair Credit Reporting Act ( FCRA ). Also, I will need you to inform me in writing of the results of your investigation. Please also send me my updated and corrected Credit Report as soon as your investigation is finished. 

Lastly, the TransUnion representative Mr. XXXX, XX/XX/2018, upon request, refuse to supply me the name of the source and agency that was use to verify relevant information regarding my dispute that the agency has received. Mr. XXXX, also stated my complaint was finalize and closed and status sent in the mail regarding disputed public record. When I question the procedure use and name of source, he told me you are breaking up and that he could not give me any information that was use in the dispute. 

Thank you for your time and consideration in this matter. 

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

XXXX sent me a letter, a stall letter They are asking for more verification even though I created the letter and sent the letter myself to XXXX. They are holding up the investigation of my complaint by not even conducting a complete investigation of the issues that I raised with them. Their hold up is effectively holding back XXXX and equifax from conducting their investigations as well.
Product: Debt collection

Since 2019 Comenity Bank has been attempting to collect alleged debts from me that have already been paid. My account with Comenity Bank ( Victorias Secret ) was approved and opened on XX/XX/2019. The account was opened through my credit ( pursuant to 15 U.S. Code 1602 ( f ) ) when my social security number ( pursuant to 15 U.S. Code 1602 ( l ) ) was originally acquired in the application in order for me to be the consumer in the credit transaction with Comenity Bank. Since the law deems the transaction as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended ( pursuant to 15 U.S. Code 1605 ( a ) ), then Comenity Bank has continuously violated my consumer rights by persistently requesting and demanding payment from me for alleged debts that have already been paid for through my credit. With Comenity Bank being defined as a debt collector by law ( pursuant to 15 U.S. Code 1692 ( a ) ( 6 ) ) they have also infringed upon my rights and violated the law by stating that I owe debts, sending multiple forms of communication with an intent to collect a debt, and using language and symbols that identifies the company with an intent to collect a debt ( pursuant to 15 U.S. Code 1692 ( b ) ). They have also continuously called and texted my phone ( 15 U.S. Code 1692 ( d ) ( 5 ) ) and unlawfully closed down usage of my card ( pursuant to 15 U.S. Code 1692 ( e ) ( 4 ). Comenity Bank has also fraudulently reported late payments, credit utilization, and other information regarding personal details about me to several consumer reporting agencies ( pursuant to 15 U.S. Code 1681 ( a ) ( 2 ) ( i ) ). I have contacted Comenity Bank by mail demanding that they cease and desist all illegal activity and return to me an audit trail of all documents relating to my account, an account reinstatement, and a zeroed balance. Even though they have received my cease and desist notice they are still persistent with their texts and phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  credit card has been reporting my balance incorrectly and I've paid it off on time each month. I've reached out to XXXX  and the credit bureaus and disputed the issue and nothing has been corrected
Product: Credit reporting or other personal consumer reports

I tried online access and was denied. I sent in a dispute letter XX/XX/2023 and never received a response or credit report. I called and was hung up on 3 times and not called back. The agent told me he can not send me a free report or fix my online account, said I can not record the call yet they state the call is recorded. I mentioned I will f8le a complaint and lawsuit if they do not by law send me a credit report.
Product: Vehicle loan or lease

I have not received my over payment, and this car is still showing as current on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found evidence of non-compliance in accordance to the E-Oscar and Metro 2 format methodignoring to report. 

US BKPT CT NY XXXX Account ID : XXXX ( Equifax ) XXXX ( XXXX ) XXXX ( XXXX ) On XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 and XX/XX/2021 I requested Credit Bureaus to send me the name and address of the furnisher of information who helped them verify that the filed on was accurate. All three bureaus listed the source!!!!!!!, but not the actual furnisher. They have failed to comply with FCRA prescribed procedures ( 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ; 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ; ). This item must be Deleted immediately. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very critical that you please investigate and resolve as this is harmful to my character and is obstructing my capability to obtain mortgage.
Product: Student loan

I have been blocked obviously from the bureaus for frivolous disputing after disputing items over and over they block you from disputing that item. So now I have to dispute through the CFPB and the FTC. I know my consumer protection rights I am 20 hours away from my XXXX  degree at XXXX I cant wait to pass the bar. 
I recently received a copy of my credit report and I noticed XXXX, XXXX, and XXXX furnishing accounts on my consumer report that should not be on there. I have directly requested Debt Validation and Proof of Claim documents no response from XXXX. Congress clearly states that they are in violation. I am reciting the law as it is written, since they meaning bureaus and XXXX want to ignore me I will start filing lawsuits for every violation because if Im wrong then congress is wrong. 
( I demand the below accounts be deleted from my consumer report. 

XXXX {$80000.00} XXXX XXXX {$13000.00} The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act . 
[ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of XXXX XXXX similar device ; Read the law I did not make this up. 
So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

I demand these accounts be VERIFIED and VALIDATED to the last cent or deleted from from my consumer report. 
Failure to respond satisfactory with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which. 

I Will be seeking {$1000.00} per violation for. 

Defamation of Character Negligent Enablement of Identity Fraud Fair Debt Collections Practice Act 15 USC ( 1681 ) violations Fair Credit Reporting Act 15 U.S. Code 1681n - Civil liability for willful noncompliance. 

Best Regards, XXXX XXXX XXXX XX/XX/1966 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as wildland that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX Credit Bureau the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive response, I will have no choice but to exercise my right and pursue legal action.XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an unconfirmed, unverified and dismissed bankruptcy with the Credit bureaus ( XXXX, Transunion, XXXX ) since XXXX of this year 2018. On XX/XX/2018 I froze my lexis nexus yet the bureaus say they verified through XXXX XXXX and NC court systems. This is not true I have called and wrote correspondence to the NC Bankruptcy courts and they have notified me ( SEE ATTACHED LETTER FROM NC BANKRUPTCY COURT ) they do not report to anyone regarding bankruptcies nor do they verify. I sent the exact letter the NC bank systems sent me stating they do not verify and asked to the bureaus to delete immediately. XXXX  has deleted this bankruptcy off twice but added it back on with days of deletion and did not notify within 5days as they are supposed to by law under the FCRA, this itself is another violation within itself. Any assistance in this matter would be greatly appreciated. This unconfirmed, unverified and dismissed bankruptcy has stopped me from obtaining credit and buy the house my family deserves, I am a two time XXXX   XXXX veteran that have sacrificed my life and family to serve my country and I find it is disturbing my quality of life is tremendously affected by others in control of my credit who will not take the time to actually READ AND VERIFY or delete this from my report instead of a scanner. 

PLEASE SEE ATTACHED ; 1. XXXX FREEZE 2. LETTERS TO XXXX , TRANSUNION , XXXX  3. RECIEPTS FOR CERTIFIED MAIL PROOF LETTERS WERE SENT 4. LETTER FROM NC BANKRUPTCY COURT STATING THEY DO NOT VERIFY 5. LETTERS FROM ALL 3 BUREAUS STATING IT WAS  SUPPOSEDLY CONFIRMED
Product: Mortgage

Date XX/XX/2021 check in the amount of {$1000.00} debited from my account as a mortgage payment for the XX/XX/2021 payment to XXXX XXXX. Date XX/XX/2021 a Visa Credit Card Payment in the amount of {$1000.00} was debited to my Visa  on XX/XX/2021 for the XX/XX/2021 payment to XXXX XXXX. My mortgage was sold to CMC Loan Services and I did not receive one of the loan payments listed above. I have called CMC loan Services four times and have not been able to make any progress in resolving the matter. I keep getting asked to submit proof of payments which I have done three times since XXXX and they will not open a ticket number or start a resolution process. CMC Loan Services keeps stating I have not submitted the required forms, even though I read the auto responses I have received from my submission. Operators refuse to get a supervisor for me to speak to and say there is not timeline to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is currently a fraud alert on my credit file which I did not authorize. I disputed inquiries and then a fraud alert was placed on my credit file without removing the inquiries I disputed.

I would like the fraud alert removed as I was told would happen two weeks ago along with inquiries I disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

went to a car dealership shopping for a car on XXXX. The car salesman did not have permission to run my credit report with 10 + different companies. I requested for these inquiries to be removed, I have also filed a complaint with identitytheft.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$1000.00} I challenge the accuracy, compliance and reportability of this listing by XXXX XXXX, and I contacted original creditor and was informed that this is an error and you must remove it, and they stated that this was not verified by their companyaccount was settled with original creditor ( XXXX XXXX ) no contract existdebt can not be collected twice ; this against the law.

... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow. 

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

This company told me that they would delete these two fraudulent credit card accounts from my credit report, one business and one personal, from Capital One bank. I sent this company the police report which confirmed identity theft multiple times and they still are reported these account on my XXXX credit file. This is defamation of my character and a violation of my rights. These two fraudulent accounts, and the four credit inquiries from Capital one and capital one auto finance need to be deleted from my XXXX credit report for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Properly disputed the accuracy of information being reported on my consumer report by this company. This company is still reporting my name wrong, along with false addresses, and employment history that I do not work for. This company is also falsely reporting the payment history of several accounts. I asked to see method of verification along with payment history from creditor along with statements indicating the accuracy of payment history. I told this company that I do not recognize the E-Oscar system as suffice method of verification. They have failed to properly show me proof of a thorough investigation, which is now causing my consumer report to suffer. I resent letter for a request of fee for damages and negligence on their part. This complaint is for mine as well as their records. If this matter is not corrected I do intend to use the law to the fullest extent to make sure this doesn't continue happening to me or any other consumer of the United States Of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  has 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
Product: Mortgage

I did a loan modification and they decided to foreclose on the property I got hud involved and they said they made a mistake and let it slip through the cracks and backed out. They added a lot of money to my loan and a 50 year term. My current mortgage lady told me that was the most fraudulent loan shes ever seen and shes been in the business for 20 years. I sold the house over the summer. Property address XXXX XXXX XXXX XXXX va XXXX. Thanks XXXX XXXX.
Product: Vehicle loan or lease

My first payment of {$540.00} on a car loan from GM Financial was due on XX/XX/XXXX. I paid {$600.00} on XX/XX/XXXX. The payment was processed. GM Financial contacted me and told me I was delinquent on payment. After speaking with them on the phone, they saw the payment on record. I asked them to correct the error and they said they did make note of that in my record. I received a follow-up bill of {$1000.00} which is due on XX/XX/XXXX, which includes " Past Due Monthly Payment '' of {$540.00} and " Current Monthly Payment '' of {$540.00}. I paid another installment of {$600.00} on XX/XX/XXXX. The GM Financial app has record of the statements and my payments as described, however, now an inexplicable amount of {$480.00} due XX/XX/XXXX is posted on my account with no related statement posted. I'm writing for your assistance because 1 ) my requests to correct their mistake in missing a payment has not been corrected, 2 ) I'm concerned this mistaken missed payment will affect my credit score, 3 ) there are additional charges on my account with no explanation in the form of a billing statement, 4 ) my last interaction with a representative at GM Financial still has my " delinquent payment '' on record, 5 ) I was treated disrespectfully with an aggressive demand for immediate payment, including late fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) ACCOUNT # XXXX XXXX ACCOUNT # XXXX, XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission XXXXo furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit card

Sunbit inc has been reporting my account as 30+ days late on my credit report as I checked my statements it showed I was not 30+ days late I have contacted customer service several times XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I reach out to XXXX XXXX informed her several times that these late payment were incorrect and doing damage to my credit report I got no response but she did correct some errors but also continued to add errors which did more damage to my credit stating that I had late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX now there's a late payment on my credit report for XX/XX/XXXX when my account was in dispute from that time frame until XX/XX/XXXX which by federal law I am not responsible for the balance that is in dispute which means I did not owe anything further more I never was late on my account and if XXXX XXXX would have researched the account history or gave me the opportunity to speak with a supervisor as I requested this could have been resolved quickly without further damage to my credit worthiness by continuing to report false information and ignore my dispute of this information they have shown civil liability for willful noncompliance please contact me immediately to resolve this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  should not be reporting to XXXX ; XXXX and Transunion that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account had been transferred and one of my payments had been processed incorrectly and because of this processing error my account had reported a late payment. The payment of XXXX had actually been entered as a payment for XXXX. Consequently because of this initial data entry error, this account has been falsely reporting a ( 30 ) day late. I contacted XXXX and I was assured that this data entry error would be corrected. Unfortunately, they did not keep their word and this account is still reporting wrong. I have contacted the bureaus as well to remove this late however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit card offer from XXXX in the mail for my XXXX year old special needs son. I have previously reached out to all three credit bureaus about his age and requested no report or frozen report be established for him.