23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

PLEASE INVESTIGATE AND DELETE ENCLOSED ACCOUNTS FROM MY CREDIT REPORTS
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I mailed the document attached which is a letter to TransUnion about not giving me a 5 day notice of reporting a public record child support account back on my credit report. They are breaking the law and it must be removed. TransUnion responded with the account has been updated. The updated was the amount of the account. They completely disregarded the letter and law! They used the stall tactic and then came with an invalid response. I called TransUnion XX/XX/year> which is on record and I asked about the response to the dispute and was told they see no dispute or prior dispute regarding my public records, which is totally false, They are using unethical practices and I have since reached out to my attorney and will be taking legal action against TransUnion. They are not only using third party information but are not giving proper notices. I'm asking TransUnion to do the right thing and remove the account before leal action is taken.
Product: Credit card

My identity was stolen in XXXX several accounts were open in my name. I believe it was my son which whom I share the same name. I have filed a police report when these identity issues started occurring.
Product: Credit card or prepaid card

I sent a letter to Capital One on XX/XX/XXXX with a USPS Tracking # of ( XXXX XXXX XXXX XXXX XXXX ) which they received on XX/XX/XXXX. In the letter I asked them to validate a debt being reported on my credit bureau report according the the Fair Debt Collection Practices Act. However I never received a response of them validating the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : States a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

EPA USA INC has falsely claimed to respond to my Debt Validation request stating they contacted me in XXXX validating the debt. According to USC 1006.18 False, deceptive, or misleading representations or means EPA USA INC is prohibited by law from making such false and misleading claims regarding the collection of an alleged debt.

1. I hereby request EPA USA INC to provide proof they sent this correspondence and proof I received such correspondence.

2. I took it upon myself on XX/XX/2022 to contact EPA USA INC to inform them THIS IS NOT MY DEBT!!! I INFORMED THEM OF THIS ON A RECORDED LINE. I spoke to a representative by the name of XXXX XXXX and he subsequently sent a settlement letter after our discussion. I responded to his email to once again inform him this is not my debt. PLEASE SEE ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act Convergent Account # Rentreporters, XXXX ( UNKNOWN ACCOUNT NUMBER DUE TO REPORTING AGENCY NOT PROVIDING IT., Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy. ! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.IN ADDITION, IT IS REPORTING IT AS A XXXX XXXX XXXX XXXX CREDIT CARD ( CLOSED ) AS RENT REPORTERS, XXXX XXXX
Product: Vehicle loan or lease

For several months, I have been trying to refinance my vehicle with the initial promise of being able to refinance within 6 months of purchase - regardless of credit score. Even with a cosigner with excellent credit, I have been denied all attempts to refinance the car. The lender is making it impossible for me to be able to make my payments, because they are having me go to XX/XX/11 locations to make cash payments directly to XX/XX/11 to complete the payment to the lender, a hassle in and of itself. Additionally, facing hardship due to my service-related XXXX that have caused me not to be able to attain secure employment. These service-connected XXXX are causing me to currently be in-process of being declared 100 % XXXX and unemployable through the VA. The dealer made false promises to me, saying that I would be able to refinance within six months, that has certainly not been the case. It has been virtually impossible to get out of debt with this vehicle without negatively affecting my credit since the interest rate of an obscene 21.5 %. On top of everything else in paying for the car, XXXX XXXX XXXX XXXX has repeatedly called me from multiple numbers after I have explicitly told them to stop calling about payments, and I make payments as I am able to make payments. They have continued to harass and call at all times of day, including the middle of the night. All of those things combined - false promises being made and then not followed through on, being unable to refinance even with a cosigner with great credit, being unable to achieve gainful employment due to my VA XXXX status, and phone call harassment, this has become a nightmare.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reach out to tradeline company and credit reporting agency sent in the requested information no response from the companies in reference to this fraud account.
Product: Credit reporting

Over the last year I have filed several disputes, XXXX of them are listed above but there has been many more. I have attached a letter from XXXX which I have submitted several times, this stated XXXX will remove this inquiry, but has not done so. The next issue is relative to XXXX XXXX XXXX case # XXXX for an amount of {$2600.00} which was as a result of XXXX bills from a car accident. This was paid in full, I understand rulings from last year, state satisfied Medical Judgements should be removed from my credit report
Product: Mortgage

I submitted a Borrower Assistance Application onXX/XX/XXXX.. I also told my single point of contact ( POC ) that i meet the eligibility criteria for one of Keep Your Home California Programs ( MRAP - Mortgage Reinstatement Assistance Program ) and all I need from Rushmore was the mortgage statement and modification. Her response to me was " If you do not qualify for the modification, will they still help you to get current ''. It appeared to me that she already knew that they would not approve me for a modification and that they were just buying time as we got closer to the foreclosure date of XX/XX/XXXX. She then told me that i will know if my application is complete in three ( 3 ) weeks and at that time i will get a decision. Three weeks will be XX/XX/XXXX and only Two weeks away from the foreclosure date. If the decision is negative, i do not have enough time to appeal it before the foreclosure date. 
The staff at Rushmore ( POC 's and Supervisors ) are notorious for misguiding customers on the modification process. They play by the rules by their calendar and are eager to have your home go to foreclosure. 

They do not like to work with other mortgage assistance programs such as Keep Your Home California. 

Rushmore is violating my home owner bill of rights and i 'm kindly requesting you to look into this matter. 

Please look at complaints of several other unhappy customers : https : //www.checkbca.org/report/rushmore-loan-management-services-llc-100102203/XXXX XXXX XXXX XXXX XXXX Thank you
Product: Credit reporting or other personal consumer reports

I recently noticed an unrecognized credit inquiry from ( see below ). According to our settlement agreement, all such inquiries were to be removed, and I would like this matter addressed promptly to ensure my credit report is accurate. 
Fraudulent and false inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX of XXXX XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX this XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX OR XXXX Date of inquiry XX/XX/XXXX Dispute this XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of XXXX XX/XX/XXXX XXXX this XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX Dispute this
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE HAVE THE FOLLOWING ACCOUNTS PURGED OFF MY CREDIT REPORT, FOR THEY HAVE BEEN REPORTING INACCURATELY ON MY REPORT.
Product: Credit reporting

THIS IS NOT A REQUEST NO PERMISSION TO PUT ANY KIND OF SECURITY FREEZE OR FRAUD ALERT ON MY CREDIT FILE. DOING SO WILL RESULT IN A LAWSUIT AS YOU WILL BE OVER STEPPING YOUR RIGHTS AS A CREDIT BUREAU. 

EQUIFAX IS IS LISTING AN ACCOUNT AGAINST ME XXXX THAT DOES NOT MEET THE FCRA GUIDELINES. I HAVE ASKED EQUIFAX TO PROVIDE ME THE ORIGINAL SOURCE DOCUMENT FROM THIS CREDITOR AND THEY HAVE BEEN UNABLE TO DO SO. THEY TELL ME TO CONTACT THEM, WHICH BY LAW IS NOT MY RESPONSIBILITY PER SECTION XXXX OF THE FCRA. I AM NOT THE XXXX LISTING THE INFO SO EQUIFAX IS TO EITHER SUPPLY ME WITH THE ORIGINAL SOURCE DOCUMENT OR REMOVE THE ITEM ENTIRELY. I HAVE ASKED THEM ON XXXX SEPARATE OCCASIONS TO DO SO AND THEY REFUSE. THEY ARE BREAKING THE LAW BY SIMPLY STATING THAT THEY HAVE VERIFIED THIS. THEY KEEP SAYING THEY ARE REINVESTIGATING BUT NEVER CAN PROVIDE PHYSICAL DOCUMENTATION THAT THIS ACCOUNT IS ACCURATE, COMPLETE AND VERIFIABLE OR EVEN MINE FOR THAT MATTER. INSTEAD THEY WANT TO PLAY GAMES WITH MY FILE. YOU HAVE 30 DAYS TO REMOVE THIS ITEM AS IT HAVE BEEN WELL OVER 4 MONTHS NOW OF ME CHALLENGING THIS AND YOU NOT BEING ABLE TO PROVE YOUR POSITION TO REPORT IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts are closed but are still reporting and updating incorrect information. Debts were sold and wrote off and sent to collections. Debt was never verified and never sent a signed contract to validate debt for : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I entered into Payment Cure Plan with XXXX   XXXX card online. The payments were set for automatic draft for XXXX, XXXX and XX/XX/XXXX. After the 3 payments were made, the account was was to be brought current. After the final payment was made, the account was not brought current. I attempted via online messaging to get the account corrected on XX/XX/XXXX. I was directed to call in. I have called on XX/XX/XXXX, and XXXX. I called again on XX/XX/XXXX. Each time I have been told different reasons my account was not reaged, and that it would be fix within a week. It is still not corrected. My account has now been sent to collections, when it should not even be considered late based on the payment agreement. During my most recent call, I was told that the agreement was made incorrectly and my account was not eligible to be reaged. I made my 3 payments as agreed and not red card is not keeping their end of the agreement and have since sent the account to collections. Even if the account was not eligible to be reaged, I was never informed of this and was going off the accepted agreement I have from them.
Product: Credit reporting or other personal consumer reports

I am unaware of this collection nor have I ever received proper notification. I am filing this complaint so that Experian can not claim ignorance of this dispute. Please delete from my consumer report immediately.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On the date of XX/XX/XXXX, I sent XXXX XXXX XXXX certified mailing requesting validation under FDCPA, XXXX XXXX XXXX Sec. XXXX XXXX b ) of a debt they bought from XXXX XXXX. 

Documents I requested included Letter of Sale or Assignment from the original creditor to XXXX and proof of licensing to collect on a debt in the state of Alabama, and requested that the debt be labeled as " disputed '' with each of the credit bureaus being reported to, all of which the company failed to provide and do in their responding mailing to me. 

Before reaching out to XXXX XXXX XXXX, I found the Secretary of XXXX has the company listed as " Dissolved '' as of XX/XX/XXXX, making it illegal to due business in the state of Alabama. 

Upon contacting the company, I was informed by a representative, who placed me on hold to speak with his XXXX, that they in fact did not have to provide me with a XXXX of XXXX or XXXX, nor their licensing status.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th 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 alleged fraud or extortion. 
XXXXXXXX XXXX XXXX  XXXX XXXX, MI XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

ACCOUNT NAME ; NAVY FCU ACCOUNT # XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC1681 section 604 A Section 2 ; it also states a consumer reporting agency can not furnish an 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 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. 

Furthermore, the interest rate on the loan was never signed for nor did I the Original Consumer ever sign for a or do I consent to do business with the. I request that this account for this loan is removed immediately and will be seeking remedy for under 15 USC 1692c for injuries!
Product: Money transfer, virtual currency, or money service

I am unable send payments due to recent payment activity. I explained there is no fraud on my account and it was me who sent a small test payment to maksl sure it went through successfully. Then I sent the full amand was denied. I am requesting this hold be removed as I am the account holder and the person expecting the money needs it for important matters. They should not be doing this to customers. There should be a timelines for temporary hold. Inhave seen others complaining about the same issue. Perhaps their security processes need to be investigated and changed. This is unacceptable treatment towards customers.
Product: Debt collection

I saw an unusual creditor on my XXXX report and dispute it immediately bevaus I never heard of company named DRS the dispute came back stated I owed debt which is puzzling because I never heard of them nor have I open anything during the End of XXXX time frame I know because I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at my home which I know whoever opened that debt was fraud while othe fraudulent acts occured because I had to close my bank due to this nature to focus on my mom during her XXXX of life stages. So this debt is not mine and is fraud. I called today XX/XX/2024 the company DRS they couldn't find me in their system either which is more confusing l, so now I want this cleared off my report.
Product: Debt collection

Received on XX/XX/XXXX a letter in attempt to collect a wrongful debt from { first credit services , inc } on behalf of their client XXXX XXXX XXXX XXXX XXXX or ( XXXX ). XXXX could not provide any accurate information or confirm the validity of the initial signed agreement for the product which was a certification coarse totaling in the amount of {$2600.00} in which is trying to be collected. A social security number was not obtained to purchase this product and neither First credit services nor XXXX itself can validate under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 was not properly disclosed by the company of this debt or associated with thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are not researching and properly reporting that the following accounts listed are in fact in dispute. These accounts are : XXXX XXXX partial account number XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX - XXXX ; XXXX  - XXXX XXXX and XXXX  - XXXX. ( Please see attached pages from my credit report. ) All of the accounts listed above are reporting account not disputed on my credit report. I have requested multiple times that these accounts be investigated and put in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in fact in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus fail to delete a bankruptcy account listed on my credit report stating that the public record was verified by a third party, XXXX XXXX. I called XXXX XXXX to check why they are still verifying an account that they delete from their record because they cant verified their accuracy more than a year ago. They state that it was deleted from their verified files but still remain in the unverified files. I requested they delete it from the unverified file and send me a new corrected copy of my record. They delete the file on XX/XX/2023 and send me a copy of my file corrected, but still show in my record with your Bureau.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file concerning the accounts that you are reporting in my credit report.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under FCRA 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. the [ FCRA 623 ( b ) ( 1 ) ] ( FCRA 15 U.S.C. 1681i, al inaccurate, incomplete and unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on your file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
If you dont investigate and respond.
Product: Credit card or prepaid card

I was charged {$200.00} due to a promotional balance expiring while I was in a financial hardship due to Covid-19. I was under the impression that though interest would accrue on regular purchases, promotional periods should have been extended during this unqiue and tough time for customers. 

On XX/XX/2020, I sent a message requesting Covid-19 assistance and to inquire about the extension of the promotional period for a promo balance that expired XXXX and had a balance left of {$93.00}. Despite my hardship during this pandemic I managed to make a payment of {$94.00} by XX/XX/XXXX and was advised XX/XX/2020 that if I had a deferred interest promo expiring while I was receiving Covid-19 assistance the promotional term would extend by 2 months. With most creditors there is often a 30-day grace period given after a promotional balance expires to allow the customer to get it paid off within one month and avoid the bulk interest, which I inquired about as well. 

After SEVERAL weeks that has now turned into now 5 months of trying to correspond with them we have not come to a resolution. I keep getting generic form messages that don't address the questions I've asked, or the answers do not acknowledge the fact that I DID pay off the balance within 30 days of the promotion expiring WHILE " supposedly '' being approved for 2 months of Covid-19 assistance AND may have been charged interest ON interest because it's unclear if the interest I've been charged since is based solely on the purchases I made in XXXX or on the total balance due, of which {$200.00} of that is interest from the promotional balance.