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

MY NAME IS XXXX XXXX MY DATE OF BIRTH IS XX/XX/XXXX AND TODAYS DATE IS XX/XX/XXXX am filing this complaint myself without any help of a attorney or credit agent I'M WRITING THIS COMPLAINT BECAUSE I previously notified Equifax that I am a victim of identity theft, and requested that Equifax Close the unauthorized account AND Take steps to remove information about this fraudulent account from my credit files AND BLOCK IT FROM RE REPORTING I SENT IN A COPY OF MY FTC REPORT WITH MY POLICE REPORT ( 103 true Identity theft ) I'm a member of the Equifax data breach & have filed my claims accordingly i have been attempting to clear my credit report of these fraudulent items XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Date opened XXXX XXXX, XXXX IVE BEEN CONTACTING Equifax SINCE XXXX THEY HAVE FAILED TO DO A PROPER INVESTIGATION INTO THIS MATTER These fraudulent debt is hindering my ability to apply for credit or even get a first time credit for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, TELECOM XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
TELECOM XXXXD Account Number : XXXX & XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
TELECOM XXXX Account Number : XXXX & XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Product: Student loan

Has taken months of repeated phone calls to get on a payment plan we were told was available to us, each time we call we get a different cust sv rep and have to reexplain the situation ( was told they could not let me speak to same rep we spoke to previously ), incorrect information told to us about when a payment was due while they worked on a mistake they made in processing for our loan payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. As per FCRA Section 609 605 and 623 Please Provide record of consent for this inquiry and record of accuracy. If unable to validate or provide written records i expect removal of this inquiry immediately XXXX XXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I WAS A VICTIM OF IDENTITY THEFT, I HAVE SUBMITTED 1 CFPB AND 1 DISPUTE LETTERS WITH LITTLE ACTION TAKEN BY EXPERIAN. I HAVE NOW SUBMITTED AN ADDITIONAL LETTER WITH MORE PROOF OF IDENTITY AND PROOF THAT THESE ACCOUNTS ARENT MINE AND THAT THE BUREAUS ARE VIOLATED MY FEDERAL RIGHTS AND STATE RIGHTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the TransUnion are required byfederal law to verify - through the physical verification of the original signed consumer contract - anyand all accounts you post on a credit report. Otherwise, anyone paying for your reporting services couldfax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original ConsumerContract with my Signature on it ) you have on file of the accounts listed below. The TransUnion failureto positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiedaccounts must be removed and if you are unable to provide me a copy of verifiable proof, you mustremove the accounts that was included in the FTC report attached on this complaint.
Product: Mortgage

This was a Wells Fargo Mortgage and I believe they owe us money.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I attempted to do a pre-apply with Care Credit towards a {$45000.00} medical expense. 
The pre-qualification process is operated by Synchrony Bank ( mysynchrony.com ) and rejected my application due to lack of credit. 

I had come into this process with a very strong credit history ( almost 800 score, owning a house, no late payments on credit cards ). 
My rejection notice was that I had very limited credit history, a score of 660, and something about revolving accounts ( I hadn't saved a copy of the notice ). 

I believe the notice said that it had made this decision based on the information it made from XXXX ( again, I hadn't saved a copy of this notice ). 

A month before, I had changed my first name as part of my gender transition with the social security administration ( and had changed my name with Massachusetts 5 months before then ). 
I was providing my SSN as an identifier which had never changed, so there's no good reason why my credit history would have not been able to continue following me.
Product: Debt collection

XXXX XXXX XXXX will call my cellphone 3 to 4 times a day. Monday thru Saturday. Once I even received a call on Sunday.
Product: Money transfers

XXXX XXXX XXXX XXXX has failed to provide documentation and proper accounting for payment of their services. We transferred monies to them on XXXX/XXXX/2015 for two months of service. They show on their bill that they canceled this payment, and subsequently charged us for three months of service following their " cancellation ''. In order to prevent interuption of service I paid the entirity of the bill, totaling five months of service for three months. They have failed to return us said monies, for two months of service, and can not account for where this money is. Thusly, they have violated Regulation E of Title 12 of set forth in the CFR.
Product: Money transfer, virtual currency, or money service

We sent a wire transfer from XXXX  XXXX XXXX  to a business account with PNC bank. Unfortunately, the business gave us an incorrect account number. This account number is not a valid account number with PNC. PNC therefore stated that the money was in limbo with their bank and needed to be recalled. XXXX  XXXX XXXX  completed the recall. PNC WILL NOT release the money and stated there is no one to contact and that they will not help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX 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 Has violated my rights. 
15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : Also States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 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 or other personal consumer reports

Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account XXXX  # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

Experian has filed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted on multiple occasions to have incorrect bankruptcy information deleted from my credit report. As of XX/XX/XXXX I have put in at least 4 disputes with each of the 3 major credit bureaus regarding an incorrect date listed from my past bankruptcy case. The report date lists XX/XX/XXXX, the uploaded document lists XX/XX/XXXX. I was asked to send a copy of my document for verification, I faxed each bureau immediately. XXXX deleted the file from my report within 2 days. XXXX and Experian said it can't be deleted. I explained according to the document I faxed in, this should have been deleted as of XX/XX/XXXX. This document includes : Date Bankruptcy  file number Bankruptcy plan information Amount of debt Monthly payment plan and length of plan Debtors Fee 's Lawyer information I also explained to each rep that I called the XXXX XXXX of Wisconsin Bankruptcy court and spoke to the manager XXXX. He explained that no matter what the filing date is, as long as the case is closed the bankruptcy court does not report to the credit bureaus nor is it mandatory to have a bankruptcy listed after a case if closed. He suggested that I ask to speak with a manager. On multiple calls I have been told a manager is not available at this time. I also want to note I've asked what is the process for validating information? I was told a dispute is opened and it takes 30 days to be resolved. They use a third party vendor to verify information. My argument was how can my faxed proof be overlooked vs the credit bureaus using third party vendor? Also, if it takes 30 days, why is my dispute resolved within 24 hours. That to me is a clear indication that know one is doing a thorough check to validate my information. 

Contacting the credit bureaus has been very frustrating and time consuming. Each person I speak with gives me a different answer and always fail to resolve my issue. I also let them know XXXX deleted this record from my report and they should follow suit. This issue has continued to damage my credit as well as caused me to be denied for credit on multiple occasions. Please review my attached document and have this deleted from my report immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX  Account # XXXX has violated my rights. 



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 accounts without my written instructions.

1. 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX Account Number : XXXX please update all late payments, all payments was made on time 2. 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX Account Number : XXXX please update all late payments, all payments was made on time 3. 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX Account Number : XXXX please update all late payments, all payments was made on time XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. The following account is not mine XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. The following account is not mine XXXX XXXXXXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. 15 USC ( 1666b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX Account Number : XXXX please update all late payments, all payments were made on time I SENT OUT DISPUTE LETTER TO REMOVE LATE PAYMENTS BECAUSE Under 15 USC 1681a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report. 

Also, I DISPUTED ACCOUNTS THAT WERE NOT MINE, AND CREDIT BUREAUS STILL LEFT ON MY REPORT AND DIDN'T COMPLY WITH THE FEDERAL TRADE COMMISSION
Product: Credit card

Monthly I send in payments to Lowes/Synchrony on the 1st via bank bill pay. The payments are usually cashed within 3 to 4 business days. However the payments are applied 8 to 10 days after the payments have been cashed making the application to the account more than 2 weeks after payment was sent seemingly in hopes of making the payment late and then charging a {$30.00} late fee. Additionally upon request to have the late payment removed they require I send a hard copy of my complete bank statement via USPS or fax with no redactions on any portion of the statement. They will not accept the transaction number or a copy of the cashed/cancelled check showing they've received and cashed the payment.
Product: Credit reporting or other personal consumer reports

The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX : XXXX Bank Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card XXXX XXXX XXXX  Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card I looked at my Transunion credit report XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit report act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). According to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to XXXX usc XXXX they are suppose to not furnish any information relating to a consumer or 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

After reviewing my credit report dated  XXXX / XXXX /   2017 a nd  XXXX / XXXX /   2017 I noticed  that  XXXX   XXXX  was reporting information incorrectly. On  XXXX   XXXX   XXXX   XXXX  reported that my pass due amount was {$160.00} as of  XXXX     2017 a nd on  XXXX   XXXX  they reported as passed due {$190.00} as of  XXXX     2017.  This is less than  24  hours. They also stated on both reports that there was no recent payment which was incorrect. This shows that  XXXX   XXXX  has falsely reported information to the bureaus concerning my account. Since this is falsely reported I request that this account be removed from all credit reporting agency in violation of the FCRA by misrepresenting the amount owed or due. This also violates SC Law sec tion 37-20-110.  I have attached copies of recent payments made to  XXXX   XXXX  and the reports that were received.
Product: Debt collection

I originally rented a car thru XXXX XXXX XXXX Co in XXXX, XXXX  from XXXX the original agreement was for {$1100.00}. Upon my arrival I found that my rental agreement was " sold '' to XXXX XXXX car without my knowledge or agreement, I was charged an additional {$710.00} for the exact same rental and timeframe ( Total {$1800.00} ). Upon my return, I disputed the amount thru my credit card company ( USAA ) who conducted an investigation and found I was responsible for the additional {$710.00}. XXXX then credited back the difference. Since final adjudication, I have been sent threatening letters, emails, and harassingly phone calls from XXXX to pay the difference. I attempted to resolve this on multiple occasions both with XXXX and XXXX credit card services with no success. I recently received a debt collector notice from XXXX XXXX XXXX, XXXX XXXX, XXXX, and Creed ( Twinsburg, OH ) once again trying to collect the difference. ( NOTE : They reference XXXX not XXXX in their notice. ) I contacted the debt collector on XX/XX/2022 and was met with extreme unprofessionalism, harassingly, and threatening responses when I tried to explain the situation and resolve the dispute. The case # XXXX ( XXXX case number ), and reference # XXXX ( XXXX Collector )
Product: Checking or savings account

On XX/XX/XXXX I deposited XXXX cashier 's checks, XXXX for {$20.00} XXXX {$5.00}, which is a total of {$30.00}, which I endorsed for the XXXX  time. Wells Fargo turned around and return them on XX/XX/XXXX I have been on the phone with several people demanding why they will return. These cashier 's checks came to me from wells fargo and they're telling me that they returned them because they were already cashed. I only endorse these for the XXXX  time on XXXX XXXX XXXX. I feel like Wells Fargo is accusing me of depositing fake checks when they are the ones that actually issue these to me.For refund on fees that I was charged.So that's why i'm submitting this complaint.