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

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts ; XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XXXX XXXX, XXXX, XXXX XXXX Date of inquiry : XXXX XXXX, XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX Release of Tax Lien State of Alabama {$XXXX} Docket # XXXX XXXX/XXXX/XXXX Release of XXXX XXXX State of Alabama {$XXXX} Docket # XXXX tax liens and judgments will be removed from credit reports if they do not include the proper information identifying them to the individual Per state law
Product: Debt collection

Looked on credit file and saw inaccurate information that did not pertain to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Clarity Services claimed that the company has sent me documents to verify my IDENITY and proof of address. This company has received my proof of documentation last month which they failed to freeze my credit file. This is a stall tactic to avoid placing a Security Freeze on my file. I don't wish to have my information shared to the public without my consent. I have uploaded my two forms of verification and a Certified Mail Receipt showing proof this company ignored my request.

15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681o - Civil liability for negligent noncompliance
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX  ( Original Creditor XXXX ) XXXX and XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. Also, please remove these inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX - XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed these accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or accounts which are found to be opened due to identity theft. The disputed accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$710.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please remove negativity ASAP. XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, who is submitting the CFPB Complaint myself for you to inform you about the wrongdoing of the XXXX Credit Bureaus. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. They are reporting inaccurate information in my credit report which affects my credit scores and financial standing. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous items needs to be deleted that are reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AR XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$250.00} ; XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$250.00} ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter on XX/XX/2019 from State Collection Services, stating that they were collecting on a debt that I allegedly owe in the amount of {$750.00}. 

I sent them a request for verification on XX/XX/2019 ( copy attached ). 

In return, I was mailed a letter that provided no additional information ( copy attached ) and only gave the name of the provider ( XXXX XXXX XXXX ) which I already had. 

I am not aware of any past due accounts with that provider, and would like State Collection Services to verify whether or not this debt is valid, and belongs to me, as is prescribed by law. Without verification, I can not, and will not hand over money to a company Ive never heard of. 

In addition, I was called at least once per day seemingly more than once per day on some days. They even used a phone number in my local area code once a tactic called spoofing used by scammers. This was quite frustrating and bordered on, if not qualified as, harassment. Finally, when I told them that I prefer written correspondence, and the calls stopped for some time.
Product: Credit reporting or other personal consumer reports

I have not supplied proof undeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX Balance {$290.00}, XXXX XXXX  Balance {$430.00}, XXXX XXXX Balance {$710.00}, XXXX XXXX XXXX Balance {$480.00}, XXXX XXXX {$160.00}, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times to remove the account reported by XXXX XXXX XXXX. This report has been paid in full since XX/XX/XXXX, and XXXX has verified that they reported to each credit bureau to delete the account. All other credit bureaus have removed the account except equifax. I called equifax on XX/XX/XXXX to dispute the account again. The representative stated that she had put in a dispute to have the account removed. I called on Tuesday, XX/XX/XXXX to follow up on the dispute since I have not received any information. When my account was reviewed, it was seen that no dispute was ever made on that account which means that the representative lied about forming a dispute. This has caused me unnecessary time to try and get corrected due to the account should have been deleted in XX/XX/XXXX, when the other credit bureaus accurately removed the account from my credit report. Equifax does not update reports in a timely manner and you have to continuously call and try to get help disputing items, when in fact, they never try and dispute anything. They are not following any of the credit reporting guidelines set forth by FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account are incorrect and are they adversely affecting my livelihood. 

XXXX XXXX XXXX
Product: Debt collection

to whom it may concern, over the past few months I have been monitoring my credit profiles amongst all the three major credit reporting agencies, and it has come to my attention that there are multiple accounts reporting negatively to my personal credit report, The Credit Management Copany is a debt collection agency, attempting to collect on a debt I do not owe, I have no knowledge of this company, and I never received any notice about a debt. on XXXX of XX/XX/year> I sent said person " Notice to Cease and Desist '', followed by a " Notice of Violation '', per the new guidelines and the advisory opinion of the CFPB Via Certified Mail Receipt, the status of the delivery is as follows per XXXX ( Also see attachment ) Delivered, Front Desk/Reception/Mail Room XXXX, PA XXXX XX/XX/year>, XXXX XXXX
Product: Vehicle loan or lease

Good Evening, my name is XXXX XXXX. I am writing you this evening to let you know that I have contacted Credit Acceptence Corporation today to see if they will be willing to work with me due to currently not working due to the Cornoavirus. I have stated to the  lady that I go back on the XXXX of XXXX because my job is opening back up then and I will be able to make my payment once I receive a pay check. I have had my car now since XX/XX/XXXX the 2019 and I currently pay XXXX per month. They are not willing to help me and frankly they were very cold hearted. We are being forced not to work right now due to the Cornoavirus. Can someone please help me? Thank you. Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

OnXX/XX/XXXX Navient started to harass several of my family members by phone in an attempt to get ahold of me. One of my family members stated she got 10 calls from Navient just one XX/XX/. I got reports from 4 additional family members who also repeated got multiple harassing phone calls. I never gave out these family members numbers or gave Navient permission to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the unauthorized inquiries and personal information that are found on my report. But still those inaccurate items are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

My vehicle loan was taken out in XXXX of 2014 with Wells Fargo. I provided proof of insurance at the time of purchase. Almost 3 years later, Wells Fargo contacted me to inform me that they never received insurance proof, had charged me their insurance premium, and charged fees for delinquencies on my account. My credit report shows that I was late on my vehicle payment, which I never was. I provided proof of insurance at that time through XXXX XXXX. They still charged me for their insurance and late fees and it remains on my credit.
Product: Credit card or prepaid card

On XX/XX/XXXX a charge in the Amount of XXXX appeared on my statement. This was charged to my capitol one credited card The vendor name was XXXX * messy. I contacted capitol one emediatly to dispute transaction. I was informed that a dispute resolution form was being mailed. The amount was taken off my account. I never received any form. I followed up with capitol one on about XX/XX/XXXX XXXX. On XX/XX/XXXX the amount of XXXX was back on my statement. I spoke with 6 different individuals from Capitol one in reference to this issue. No one seemed to care or was willing to help. At the end of the day I was left with no results and furthermore XXXX capitol one canceled my card that was current and in good standing. Goal is to have capitol one to issue me another card with the same terms as this problem is no fault of my own. The capitol one fraud claim # is XXXX
Product: Debt collection

My brother was served with a summons with his name and my name listed on the summons. After receiving the information my brother called to inform me I was being sued. My brother shouldnt have been served with any sue paperwork for me. Wakefield and Associates Inc. ( WAI XXXX violated the FDCPA ( Fair Debt Credit Practice Act ) # 805. Communication in connection with debt collection. 

WAI also violated Act # 807 False or misleading representation. On XX/XX/2020 we appeared in court and I was presented with documentation stating they are suing me for {$3300.00}. In total there were 10 pages. The patient responsibility totaled out to XXXX. I have sent a copy of all documents to the Federal Trade Commission to give a more detailed understanding of my case. 

On XX/XX/2020 I was never given any type of consent form showing I signed for my information to be shared, which violates HIPAA policies.
Product: Debt collection

I believe the account is invalid. XXXX XXXX XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Per case XXXX I was advised that the inquires were deleted but they are still reporting. Please review my FTC report and delete inquiries as requested prior.
Product: Credit reporting

Experian, Over the past 3 years I have completed the required process of disputing information on my credit reports. XXXX XXXX and XXXX adequately investigated and updated and removed items in question. Experian for the past 3 years has either not responded, stated investigation complete and items remains with no explanation, Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the account ( s ) I disputed, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly Delete ALL information which can not be verified '' that I have disputed. Items well past statute of limitations have not been removed after multiple requests. I do not know what more I can do. I will be filing a complaint with my state attorney generals office as well as I will be retaining legal counsel on this matter if not resolved. Under federal law, credit reporting bureaus are required to conduct reasonable re investigations of complaints instead Experian does not investigate nor verify inaccuracies. I have had to pay their monthly fees consistently with them continuing to try and sell more products to me. I have sent these letter multiple times over the past 3 years. Most recent dispute letters and supporting information will be uploaded.
Product: Debt collection

I have XXXX bill for XXXX I was contacted by DCI-XXXX  XXXX  and offered a settlement for XXXX and I would make payments of XXXX monthly until it was paid. 
I agreed to the settlement only with the stipulation that it would be removed out of collection on my credit report and the balance be updated. Also show to be in repayment. 
I made a payment on XX/XX/2019 and XX/XX/2019. 
I just got a notice from XXXX  that this is still reporting in collection and nothing has been paid on it and balance is still XXXX. 
I upheld my part of this arrangement. I am making the payments. XXXX and DCI are not upholding their part of the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a paying member and the score on site is not the score given to lenders who request you credit report the score given is much lower than what s posted I am paying member XXXX for three reporting agencys
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$370.00}.
Product: Credit reporting or other personal consumer reports

recently received a copy of my Experian credit report, I noticed a high utilization posted on my XXXX account, Your company is in clear violation of the law. Under 15 USC 1681B- permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
THE FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ), the term consumer reportdoes not include- ( A ) Subject to section 1681s-3 of this title, any- ( I ) report containing information solely to transactions or experiences between the consumer and the person making the report ; You have XXXX calendar days to either update my credit utilization to XXXX or below, or remove all utilization from my report. Credit Card XXXX is an Experience. If not my account is not updated I will pursue legal action against your company.
Product: Debt collection

I have discussed this case with a lawyer and found that under federal law, the original creditor, XXXX XXXX XXXX XXXX, can not report a late payment to the credit bureaus until it is 31 days past due. I sent evidence that my first statement date from my XXXX hospital stay was XX/XX/19. It showed that my payment plan required {$50.00} to be paid by XX/XX/19, and I showed evidence that the payment was paid on time by credit card. My second statement date was XX/XX/19, and stated that my account was past due. At that point, the 30 days starts. They sent my account to Revenue Enterprises on XX/XX/19, only 13 days after it was reported to be past due, even though I showed evidence that I made the payment required on my payment plan within 10 days of the statement date. I then received a bill from Revenue Enterprises dated XX/XX/19, only 15 days after my account was determined past due, which is only 1/2 of the time required by federal law.
Product: Mortgage

My mortgage servicing was recently transferred XXXX to Nationstar. I received a letter from Nationstar telling me that " recent changes in Flood Maps '' now required that I obtain flood insurance. It says the property is in an A flood zone. From what I can determine it is in an X zone. I assume this was done due to recertification though a vendor at transfer. The letter is dated XXXX but not received until XXXX giving me 30 days to place coverage thus giving me 3 weeks to act. They are threatening to force place coverage and increase my payment. ( I have 40+ years dealing with mortgage servicing, lending and risk and taught classes on the subject ) I assumed that this was an error and would be quickly resolved but information on the internet regarding Nationstars complaints and class action suits give me a sense of urgency and aggressiveness to resolve this.
Product: Debt collection

I have contacted this company on multiple occasions to resolve two fraudulent accounts in my name. I have sent them all documentation including FTC report and police report, and each time was told an investigator would be reaching out to me through phone, which never happened. I even told them during the last phone call to promise me this would happen since it hadnt yet, and they did. However, its been months and I still have not heard. I did receive one email correspondence but after I provided all necessary documents and information, they still have not removed this account from my name and credit report. Its clear they are not willing to work with identity theft victims and would recommend people refuse to work with such company. I have attached several documents including FTC report, police report and formal letter to company with this complaint. If necessary, I can provide even more documentation, including dates. Thank you.