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

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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Product: Credit reporting or other personal consumer reports

I have tried recently at least XXXX times to have Transunion take a look and investigate items on my credit report and to all three there has been NO RESPONSE except the computer generated authorized third party letter ( Stall letter because they don't want to do their job ). I have sent in items that verify that it is me requesting the investigation with all three letters and still nothing gets done. This is willful noncompliance in accordance with 1681n. Civil liability for willful noncompliance. Please take note of the dates of the letters that I sent as well as the dates of the stall letter responses.
Product: Debt collection

there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX BANK XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX account # XXXX '' date opened XX/XX/XXXX 2018
Product: Credit reporting or other personal consumer reports

The following items continue to be reported on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX inquiries on my Transunion credit reports unauthorized also fraudulent please delete immediately 15-US-CODE-1681 ( a ) ( e ) ( I ) Please compensate with a check of XXXX} dollars
Product: Debt collection

Account is not opened like the Conns company claims. Debt being updated as open every month since 2014. It's been more than 7 years and debt was even charged 5 years ago. Conns is still trying to collect unknown amount which is hurting my credit. I am about to be XXXX because of this collection that continues being updated.
Product: Debt collection

noticed on Credit report I have been sent to collection for dept I do not own. Company : Credence Resource Manage. Noticed debt XXXX Amount of Debt {$300.00} from XXXX XXXX Account opened in XXXX, Ohio. Noticed another listing but don't have any other information.
Product: Debt collection

I contacted XXXX XXXX on or about XX/XX/XXXX via telephone call to discuss an apparent judgment they had obtained against me. They advised me my alleged balance was {$8100.00}, which was concerning to me since my original balance on my credit card debt was less than {$5000.00}. I of course questioned the balance, but the collector was quick to shut me down and confirm the balance is now {$8100.00}. I tried to work out a settlement agreement but was met with an uncooperative and unreasonable and frankly, rude collector. 

I did some research and decided to write a letter in hopes that a more reasonable individual would review my request. I feel that my request is not unreasonable, which I was offering {$5000.00} payable in one lump sum. I sent a written correspondence on XX/XX/XXXX explaining my financial hardship, why I went into default on this credit card back in XXXX, and an offer of {$5000.00}. Expecting a written response within 30 days, I did not receive one. 

Therefore on XX/XX/XXXX I resent another written request. This time, on XX/XX/XXXX I placed a phone call to confirm that they had received my written correspondence. The collector was rude, and was being very condescending asking why I even bothered sending a letter, making it clear that in no way they would offer better terms. I simply wanted to know if they would be responding in writing to my written inquiry. He was unwilling to answer my question, and proceeded to attempt to negotiate the debt with me right then and there on the spot. I was really surprised when this time he stated I owed {$7200.00}, and not the {$8100.00} they claimed I owed just a little over 30 days before. I asked what changed, and how could my balance drop by {$1000.00}? Again he was not able to explain why, and continued to dodge my question with is collection efforts. 


At this point I was very concerned with this debt. I feel like they are unsure how to calculate my actual balance due and frankly I'm unsure whether I'm even dealing with the right entity. I'm hoping I can get help from the CFPB and that XXXX XXXX XXXX treat me with respect and dignity, I am simply trying to resolve an old debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, XX/XX/2020 sent letters to all 3 credit bureaus about the chapter XXXX bankruptcy filing
Product: Credit card or prepaid card

Received letter advising me that Pay Pal Credit had established account in my name for {$2600.00} pre paid credit - Experience established that account opened by Synchrony Bank on XXXX/XXXX/2021. Syonchrony admitted that their action was unauthorized and a directed all three major reporting agencies to remove account from their credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my dissatisfaction with the way in which this reporting agency have been handling consumer disputes and challenges. I believe that they have been sending out form letters in response to many of these submissions, regardless of the specific information that has been provided. This is a clear violation of the law, as each dispute and challenge must be addressed individually and on its own merits.

Furthermore, I have reason to believe that the consumer reporting agency may be delaying the processing of letters from consumers based on the assumption that help from a third party may be available. This too is illegal, as there is no legal exception to allow for such delays.

I would like to state for the record that I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. It is important to note that there is no law that requires a Power of Attorney in order to delay processing letters from a consumer urge you to take prompt and appropriate action to address the concerns raised in this complaint.
Product: Debt collection

Dear CFPB Team, In XXXX of XXXX, I noticed that JHPDE Finance I , LLC reported a debt of {$4500.00} on my credit report. Based on details gathered through XXXX, XXXX XXXX, and XXXX  this debt collection agency indeed begin to report this debt in late XXXX yet claims the account is open with their office since XXXX. 

I called JHPDE numerous times and when I financial received a call back from one of their agents there was no cooperation to help me understand where this debt was coming from and why I did not hear from them before. Weeks after my first and only interaction with this company, I received an " Account Validation '' letter dated XX/XX/XXXX. 

I have since made several attempts to communicate with this agency and resolve this matter, the latest attempt on XX/XX/XXXX. This agency has gone silent. Their customer service number : XXXX leads directly to a voicemail. There is no email or other method of communication available. 

I find it extremely unfair for a collection agency to suddenly report a debt to the credit bureaus without properly notifying the consumer. Moreover, to report in XXXX a debt claimed to be held since XXXX without calling, sending a letter, or other notification in a good faith effort to settle the matter before impacting the consumer 's credit history. 

I have patiently waited and I have managed this situation as best as I could. From the beginning, I aimed to understand whether I owe this debt, and how this account could have possibly fallen through the cracks. 

However, JHPDE denied me of my consumer rights of being timely notified of any debt and of the opportunity to settle any verified debt prior to affecting my credit report. This issue has gone over 5 months unresolved, due to JHPDE 's negligence as a collection company. Similarly, this matter caused financial injury and defamation of character.
Product: Vehicle loan or lease

I have a loan with Ally financial for my car. I had the temp withhold for my loan for 3 months when I asked back in XXXX my payoff it was {$5000.00} and now less than 6 months later it is {$5500.00} which my interest rate is only 8.99 % so it doea not make sense that this amount is correct. 

I also tried making payment online automatically and Ally Bank temporarily froze my ability to pay from my bank account and now my account is past due with late fees.
Product: Consumer Loan

HELLO this company is did a hard click on my credit file without my written consent i never asked them for credit and never authorized any one to ask them on my behalf they are refusing to remove the hard click of my credit file the last XXXX of my ss # XXXX this happened XXXX/XXXX/2015
Product: Debt collection

Within a span of almost two weeks, the subject caller has placed several calls to my cell phone and home phone numbers from various local area codes, even tough the company is located in XXXX, WA. In addition, the company has failed to provide the 5-day notice as required by the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$56000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX
Product: Debt collection

I recently checked my credit and seen a collection debt from Sunrise Credit Service that was reported to my credit that is n't valid. Back in late XX/XX/XXXX early XX/XX/XXXX the amount being reported {$1500.00} was already taken care of with the previous collection agency and it was removed from my credit. Per FDCPA laws any collection item ( s ) that has been removed from ones credit can not be placed against credit again. This item is hurting my credit being that I am in the process of buying a home. This is causing emotional distress, and I am having to deal with the possibility of being denied on the closing of my home. The address that this company has on file is n't my address nor have I ever lived at the address. I am wanting to pursue further in filing a lawsuit, if we ca n't handle this situation the right way.
Product: Debt collection

My Ex Wife 's husband applied for a credit card in my name. Did not pay the bill and I received a notice from the debt collector
Product: Credit reporting or other personal consumer reports

I have never been late with their company just this once. I contacted XXXXXXXX XXXX  on this matter. I sent over documentations regarding my father who was on his deathbed and he did not have insurance, and I had to literally pay all of his medical bills out of pocket. I asked if XXXX could extend the date and I will pay them when my next paycheck comes. I sent over a letter from the doctor and the nurse, including his bills which is a violating from HHIPA. XXXX had no remorse to the letters or my family tragedy and I feel like that was unfair because Ive never been late. This was a life or death situation either pay them and my dad dies. If XXXX could just remove the late fee and stop assassinating my character to other companies that pulls my credit report. XXXX are making other companies believe that I dont pay my bills on time and thats not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Checking or savings account

On XXXX I submitted a grocery order through the XXXX app that I have been using for years. My total for the order was XXXX order # XXXX. XXXX put an authorization in the amount of XXXX. I called on XX/XX/XXXX and XXXX provided me with a transaction Id XXXX to contact my bank because they have already sent the approval to post the correct amount to Wells Fargo on XX/XX/XXXX and that its an error on my banks end. I called Wells Fargo and they said they are still waiting on XXXX to send over the approval to post the correct amount. The Wells Fargo representative on XX/XX/XXXX was rude and kept cutting me off when I told her XXXX provided proof and refused to take the trans ID. Why does XXXX and Wells Fargo get to control my funds in the account and decide when they want to release it even though the purchase has already been completed and items received. 
I have never had this problem before and it seems as though they do not want to do anything about this issue.
Product: Credit reporting or other personal consumer reports

I HOPE THIS LETTER FINDS YOU WELL. 

I AM WRITING TO REQUEST THE REMOVAL OF UNAUTHORIZED CREDIT INQUIRIES FROM MY CREDIT REPORT HELD BY TRANSUNION. UPON REVIEWING MY CREDIT REPORT, I DISCOVERED SEVERAL INQUIRIES THAT I DID NOT AUTHORIZE OR INITIATE. THESE UNAUTHORIZED INQUIRIES ARE CAUSING CONCERNS ABOUT THE SECURITY OF MY PERSONAL CREDIT INFORMATION. THE UNAUTHORIZED INQUIRIES APPEAR AS FOLLOWS : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE NOTE THAT THESE INQUIRIES WERE PREVIOUSLY REMOVED, AND THEIR REAPPEARANCE IS CAUSING SIGNIFICANT DISTRESS. I UNDERSTAND THAT TRANSUNION VALUES THE ACCURACY AND INTEGRITY OF CREDIT REPORTS. UNAUTHORIZED INQUIRIES CAN NEGATIVELY IMPACT MY CREDITWORTHINESS AND FINANCIAL SECURITY. TO RESOLVE THIS MATTER EFFICIENTLY AND AVOID UNNECESSARY COSTS ASSOCIATED WITH LEGAL PROCEEDINGS, I AM PROPOSING A MUTUALLY BENEFICIAL RESOLUTION. 1. **REMOVE THE UNAUTHORIZED INQUIRIES** : I REQUEST THAT TRANSUNION PROMPTLY REMOVE THE UNAUTHORIZED CREDIT INQUIRIES FROM MY CREDIT REPORT TO RECTIFY THE INACCURACIES AND ALLEVIATE ANY POTENTIAL HARM TO MY CREDITWORTHINESS. 2. **COOPERATION AND GOODWILL** : IN RETURN FOR TRANSUNION 'S COOPERATION IN REMOVING THESE UNAUTHORIZED INQUIRIES, I AM WILLING TO FORGO ANY FURTHER ACTIONS, INCLUDING ARBITRATION OR LEGAL PROCEEDINGS, RELATED TO THIS MATTER. I BELIEVE THAT PROMPT ACTION ON THIS ISSUE WILL BENEFIT BOTH PARTIES AND MAINTAIN THE ACCURACY OF MY CREDIT REPORT WHILE AVOIDING UNNECESSARY COSTS AND POTENTIAL LEGAL DISPUTES. I KINDLY REQUEST THAT TRANSUNION RESPOND TO THIS LETTER WITHIN 72 HOURS OF RECEIPT TO CONFIRM YOUR WILLINGNESS TO COOPERATE AND REMOVE THE UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER, AND I LOOK FORWARD TO A TIMELY RESOLUTION. 

SINCERELY, XXXX XXXX THANK YOU
Product: Credit reporting or other personal consumer reports

XXXX / Transunion./ XXXX neglect to provide accurate reporting update my address and do not report a false address again. 

XXXX I have demanded to remove all extended fraud alerts yet XXXX refuses to do so. 

Transunion refuses to update status on all accounts and address is not correct.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e ( b ), XXXX, Equifax and XXXX are required to maintain the maximum possible accuracy of the information in my credit report. The reporting of this account is blatantly inaccurate and misleading for the following reasons : 1. Late Payments After Charge-Off : Reporting late payments ( 30, 60, 90, etc. ) after the account was charged off is inaccurate and unethical. A charge-off signifies the account is closed and written off as a loss by the creditor, making late payment updates redundant and misleading.

2. Re-Aging of the Account : By reporting new delinquency updates each month alongside the charge-off, this account is being unlawfully re-aged, creating a false impression of ongoing delinquency and harming my credit score further.

These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) and demonstrate a lack of compliance with your duty to ensure accurate reporting. 

I am not disputing the validity of the account but rather the accuracy of the way it is being reported. If XXXX can not obtain verifiable evidence of this reportings accuracy, this account must be updated or deleted under FCRA 611 ( a ) ( 5 ). 

I demand that this matter be corrected immediately, and I expect a written response within the 30 days required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : You placed an inquiry on my credit report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit.

Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for ( credit, insurance, employment or other services ) with your company.

This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law by performing a hard inquiry on my credit file without my permission.

To resolve this matter please remove the inquiry from my credit report within ten ( 10 ) business days of the date of this letter. If the illegal credit inquiry is not deleted I shall be forced to seek legal action which may include but is not limited to paying me the civil liability fine, punitive damages for the decrease in my credit score, plus court and attorney fees. Please read note and see picture attachment of dates. 
Sincerely, XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
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 Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them