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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. NAME : XXXX XXXX XXXX / ACCOUNT NUMBER XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. 
I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 filed Chapter XXXX. XXXX  XXXX XXXX XXXX for my automobile was reaffirmed. It has been deleted on all 3 repositories as XXXX XXXX reports it " sometimes ''. It has been paid as agreed for 49 or 50 months and is necessary to bring my credit score up to the 700 's. I have included a current payment request with balance due.XX/XX/2017 filed Chapter XXXX. XXXX shows on XXXX as Discharged in BK. I have been paying this for around 12 or so years as agreed. I am still paying it. I have included a copy of my online statement with some pay history. Again- another account misrepresented.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$25.00} balance In all the years I've been a customer and never had a late payment, i had a {$25.00} balance that slipped my mind. I wasnt notified with a statement balance that I normally always got in the mail. Instead they reported me to the credit bureau and refused to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contacted the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the following account from my file. XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$210.00} and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3900.00}
Product: Money transfer, virtual currency, or money service

Sofi Securities charged {$20.00} to my XXXX checking account in 2 transactions once for {$10.00} on XXXX XXXX and again for {$10.00} on XXXX XXXX but posted only {$10.00} total to my Sofi Securities account and will not refund duplicate settled {$10.00} bank charge.
Product: Debt collection

Midwest Service Bureau called regarding a bill with the XXXX XXXXXXXX XXXX the phone was answered by my boyfriend In the call the collector revealed my XXXX status and went on to say they would sue me if I did not pay the bill. Now the entire town knows about my XXXX status because of this company.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I have fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Debt collection

I do not know this company never agreed to pay them never authorized them to access my credit. They are reporting inaccurate information on my credit report such as payment history witch is inaccurate. It is also listed as a open account witch is inaccurate also
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. 

Account Name : XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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

inaccurate/ unauthorized fraud items on my credit report XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONXXXX XXXX XXXX XXXX XX/XX/2021 XXXX
Product: Debt collection

I was contacted by a representative from fair collections and outsourcing. I asked them to cease and desist all phone communication and they called me again. The also disclosed I had a debt to my mother in law In a attempt to find me. When I asked the name of the company the representative just called the company XXXX and not its full name. The representatives name was XXXX XXXX and she also was not willing to cease and desist call the moment I asked.
Product: Debt collection

I started monitoring my credit using XXXX in XX/XX/XXXX. Upon checking my credit report, all 3 major bureaus listed Hunter Warfield as collections. I have never had any accounts or dealing with this company. I did not sign any  contracts with this company. I requested that they validate the account in which they are attempting to collect the debt by certified mail on XX/XX/XXXX. This company states that I owe them {$4300.00} and they are demanding that I pay this amount. They are insisting that this is my debt. However, it is not. They refuse to remove this information from my credit report, as it is wrong. Each month this company reports to the three credit bureaus raising the alleged amount of debt. This is proven to be injurious to my credit standing. I applied to XXXX XXXX XXXX XXXX to refinance my vehicle but because of this debt reporting for the above amount stated they were unable to refinance my vehicle.
Product: Debt collection

Dear CFPB Representative, I am writing to formally lodge a complaint against Sunrise Credit Service for the false reporting of a collection account on my credit report. This collection is the result of identity theft and pertains to a utility bill allegedly from XXXX XXXX, which I did not open or authorize. I have taken steps to rectify the situation, including filing an identity theft report with the Federal Trade Commission ( FTC ) and a complaint with my state 's Attorney General regarding the false debt. I respectfully request that the CFPB investigate this matter and assist in having the fraudulent debt removed from my credit report. This has caused significant harm to my financial standing, and I am eager to resolve the situation as swiftly as possible. Please feel free to contact me for any additional information or documentation required to support this complaint. I appreciate your time and attention to this matter. If this collection is not removed I will bring lawsuit against this collection to have it removed.
Product: Credit reporting or other personal consumer reports

Across my credit report I have several companies who have reported late payments on my reports that were never late. As a general rule I do not make late payments. I have disputed these and to no end have not gotten any results. This needs to be corrected. I have not been XXXX nor XXXX nor XXXX days late or late at all all the following accounts. 

DELETE ALL LATE PAYMENTS ON THE FOLLOWING ACCTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISPUTE LATE PAY- THIS ACCT WAS CLOSED BY THE COMPANY IN XX/XX/XXXX HOW WAS I LATE IN XXXX AND XXXX? 
XXXX XX/XX/XXXX {$1600.00} 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

XXXX submitted a triple diverse accounting statement in the same month for my credit card. They failed to respond or to solve their derelict accounting, which destroyed my confidence in their actuarial system. Subsequently, I received threatening form letters, similar to a collection agency 's, which in the course of events were substituted by form letters insinuating that I was impoverished and could go on a payment plan of their devising. They continued by assessing ( exorbitant ) late fees. In the course of time I discovered that they had badly damaged my credit rating -- without an explanation to myself or the credit card charge recipient. 

I have since written to Federal and Commonwealth fiduciary agencies, complaining of XXXX 's high-handed tactics and irresponsible errors. In the interim, XXXX has failed to phone me to discuss the matter of their negligence. Given their behavior, I am ready to file suit to finally get their attention. 

Their example is egregious.
Product: Credit reporting or other personal consumer reports

I have disputed two accounts on my credit report. They refuse to remove them. I filed a complaint with the FTC and submitted to them. It has since been past the 4 business days required by law under 15 USC 1681c-2 and they have yet to block the information. I also want to make abundantly clear that this report of identity theft was not made in error by me, a consumer, as stated in 15 USC 168c- 2 ( c ) ( 1 ) ( A ). I am seeking an immediate response from XXXX XXXX XXXX  in order to feel that this matter has been fulfilled to my satisfaction in accordance with federal law The below are in violation and the disputed accounts need to be removed from all XXXX agencies. 

Equifax XXXX XXXX
Product: Debt collection

On about XX/XX/XXXX, I got notification of a collection on my XXXX  credit report from Sequium Assets, asserting that I owed a {$170.00} bill to XXXX XXXX. I have never had a contract with XXXX XXXX, and my contract with XXXX subsidiary XXXX XXXX is fully paid. 

I have never received a paper bill or demand for {$170.00}, nor has XXXX  tried to contact me. 

I contested the collection with XXXX, and it was immediately taken off my XXXX  report. Today, XX/XX/XXXX, I got notice that XXXX  had decided that the collection was legitimate. I am trying to contest the collection so that all my credit reports will match. 

Having done some research, it looks like this debt collector is a serial problem. I'm wondering how to proceed, because their website asks you to give them more information than I'm comfortable with to register a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed this report in order to update this suspicious information. Credit Bureau must authenticate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), or I will sue them. 
XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4300.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX, regarding my request to provide the Method of Verification ( MOV ) on ( 3 ) accounts listed on my credit report. After numerous attempts to amicably resolve this matter, XXXX XXXX has failed to produce any Original Documentations / Contracts with my signature wet-ink on it. Theyre failure to adequately ensure and positively verify these accounts have caused tremendous stress, sleepless nights, and inability to eat and most importantly hurt my ability to obtain credit. 

Enclosed you will find a recap on my communication with TransUnion, dates, certified mail receipts and theyre willful noncompliance and negligent noncompliance responds.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts :XX/XX/XXXXXXXX XX/XX/XXXXXXXX Inquiries : XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act conversion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 your account without my written instructions
Product: Credit card or prepaid card

On XX/XX/2019 did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a new car of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting or other personal consumer reports

I recently disputed this debt, and the company responded they will have the CRA 's remove the information from my credit report due to them violating my consumer rights. However, TransUnion is choosing willful non-compliance and not deleting the information from my report. 

Here is the original dispute : I recently went to apply for an office for my XXXX, and was denied due the fact that the owner thought I had accounts that were recently delinquent. I was shocked and hurt by this decision because that wasnt true. I tried to explain to them and showing them proof but they simply said until your credit report is updated we are unable to rent you the location. So I went back and reviewed my credit reports, and found that what she was talking about. I realized that although she was correct, in what she saw, what was being reported was totally inaccurate and a violation of my consumer rights. I also learned that this tactic of posting a newer date is called " re-aging '' of debt, to make the account appear new further damaging the report and ultimately credit opportunities of the consumer. It also extends the time in which the purpoted debt stays on ones report. Here are the laws that uphold my rights in which they are violating : 15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report 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. 15 U.S. Code 1681s2 ( a ) -Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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. 15 U.S. Code 1681c -Requirements relating to information contained in consumer reports ( c ) Running of reporting period ( 1 ) In general The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Here are the debt collection companies involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Credit Reporting Companies : XXXX XXXX TRANSUNION The dates are outside of the allowed limits of 180 days after deliquency, from the date of last payment on all of the following accounts. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please see the attached screenshots.
Product: Debt collection

XX/XX/2024 Paid XXXX XX/XX/2024 Paid XXXX TOTAL AMOUNT : XXXX XXXX will not contact debt collections and debt collections stating everything is correct.
Product: Checking or savings account

A XXXX account was opened under my name. 
A XXXX XXXX XXXX account was opened under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute to Transunion, XXXX and XXXX on XX/XX/XXXX. I have yet to receive anything saying they verified the accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPLAINT My identity was stolen and used by a thief to get a residence and open phone services. I have lived at XXXX XXXX XXXX XXXX XXXX  XXXX 5 years this has always been my residence. I have never had an account with XXXX XXXX BOOST {$14000.00} XXXX I AM A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THESE ITEMS BE REMOVED FROM MY CREDIT REPORTS IMMEDIATELY. I HAVE NEVER LEGALLY ENTERED INTO BUSINESS WITH ANY OF THE COMPANIES LISTED ABOVE
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request for Accuracy and Reinvestigation of Charged-Off Account Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX XXXX XXXX XXXXXXXX, I am writing to formally request a reinvestigation of the charged-off account associated with my name and/or account number XXXX in accordance with the Fair Credit Reporting Act ( FCRA ). I believe there may be inaccuracies in the reporting of this account to the credit bureaus and wish to ensure that all information being furnished is accurate, complete, and up to date. The FCRA requires that furnishers of credit information maintain strict standards of accuracy, and I would like to verify that the information reported by XXXX XXXX complies with those standards. To assist in your investigation, I am requesting the following : 1. A detailed review of the information associated with the charged-off account.

2. Verification of the accuracy of all reported details, including dates, amounts, and any relevant history.

3. Correction of any inaccurate or unverifiable information.

4. Written confirmation of the outcome of your reinvestigation, including any changes made to the account information. 
Please complete this investigation within the time frame prescribed by law and notify me of the results in writing. If additional information is needed, please do not hesitate to contact me. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your reinvestigation and any corrective actions taken. Sincerely, XXXX XXXX
Product: Debt collection

we have tried to dispute this from an abusive landlord XXXX [ XXXX XXXX, they sent a fake bill to collections and now we are stck with this lie on our credit. the paperwork they sent is a MESS. it has us all signing under the same IP address, it has the dates wrong, and all these OUTragous charges. IQ data international refuses to investigate it