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

On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct XXXX payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

On XX/XX/26 I tried to set up auto payment on a furniture financing card and that was rejected. The bank is Synchrony and the store is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rash Curtis and Associates are reporting that I owe {$530.00}. The account was opened on XX/XX/XXXX. Initially, there were three separate accounts that Rash Curtis was reporting that I owed. I submitted a Dispute on XX/XX/XXXX. Which resulted in them removing two of the three accounts but they are still reporting that one account is accurate. This account is inaccurate and I would like it removed from account as soon as possible. I believe Rash Curtis is reporting on behalf of XXXX XXXX in XXXX, CA. If I were ever a patient there, I would have had valid health insurance. I believe theyre are trying to double collect on a bill and it is unjust.
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 confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 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 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 items of information, other than records of convictions of crimes which antedates the report by more than XXXX ( XXXX ) 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 reasonable cause to believe that the information is inaccurate.
Product: Debt collection

on XX/XX/XXXX I submitted a 30 day notice to vacate XXXX XXXX Apartments. I was on a month to month lease because the other tenant had left the unit leaving me to pay the rent alone. I advised the landlord XXXX XXXX that i would continue to pay the rent as agreed until I find a cheaper place to live In which she agreed and placed me on a month to month lease originally i was paying XXXX and a month to month went up to XXXX. I paid this amount from XX/XX/XXXX until my last payment on XX/XX/XXXX and submitted my notice to vacate XXXX XXXX proceeds to send me an eviction notice email on XX/XX/XXXX when i was no longer in the unit because my vacate notice i advised that i was moving out the first week of XXXX XXXX My deposit was kept and i return the keys to the unit the eviction notice was not valid because i took all the proper steps as stated on my month to month lease and i gave notice of vacate
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
Product: Credit reporting or other personal consumer reports

I am once again reaching out to address the unresolved dispute that I have previously brought to your attention concerning inaccurate and misleading account.
Product: Mortgage

Discover Bank home equity loan application started XX/XX/XXXX. I provided all requested documents in a timely manner. They said I needed to submit a quit claim deed, which I did. I waited for over week, then called to check status of the loan since they had not contacted me after I submitted requested qcd. Discover Banks processor then told me the qcd had to be recorded with the XXXX XXXX court. I got it recorded then sent them the notarized court recorded copy of the qcd on XXXX. I uploaded this to the doc file. I called and emailed the processor to advise it was there for them. They emailed me they had received it same day. Then on XXXX/XXXX the processor emailed me that they were going to order the title and quit claim deed from the court, even though they acknowledged having the recorded qcd on file. This loan is taking far too long to close. I'm on a specific court ordered time line to get funded so I can pay the ex spouse the required equity on my home. I have explained this to the lender, and explained that they needed to let me know if I am approved for the loan or not so that I would have enough time to apply elsewhere. But they continue with these weeks long delays without communicating why they are taking so long to make their decision in writing to me. I have had to call almost daily to find out what's going on. I believe this to be unfair lending practices and want them to be held accountable.
Product: Debt collection

I attempted to speak to someone at hunter warfield regarding an amount they sent m. Upon speaking with XXXX on XX/XX/09 at XXXX he went into stating that my account is in final stages to be sent to legal. I told him the purpose of my call was to go over that interest being charged he went int further detail to state that his company has rights per his client and Florida state statue to charge me interest I asked him what state statue he is referring to and he could not tell me. I asked him how is he is using a statue as threat and doesnt know what statue. We went around and around till I asked for a supervisor XXXX XXXX who came on the line with the same derogatory tone and told me Im not making no sense very derogatory towards me. His tone very rude and nasty would not allow me to speak. I told them to send me the original contract and do not call me or send anything to me again he went on to say I make no sense again. Then states he will send the documents and ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states that I have the right to privacy.

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

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Checking or savings account

I responded to an offer on the Wells Fargo website to open a new Wells Fargo XXXX checking account on XX/XX/scrub> 2024 to receive a {$2500.00} bonus if I opened a Premier checking account and {$250000.00} or more of new deposits were made to any linked accounts within 45 days of opening the account and the $ XXXX balance is maintained through day 90 of opening the account. Payment of the bonus would be made within 30 days of satisfying these terms. On XX/XX/scrub> 2024 I contacted the bank to inquire why I had not received the bonus as I had made the $ XXXX of deposits into the linked accounts within XXXX of opening the account and had maintained that balance. I still have that balance in my account and I am well beyond the timeframe that the bonus should have been paid. The person I spoke with told me as far as he could tell the bonus should have been paid. He told me he would open an investigation and I would hear back soon, but no later than 10 days. I still have not received the bonus nor has the bank responded to my inquiry in 10 days.
Product: Credit card

Have an ongoing dispute with Chase XXXX since XXXX XXXX. It was regarding a breach of contract by a moving company, XXXX Men and a Truck. That part of the dispute has been settled. The other part of the claim was regarding damage to a XXXX hutch. Chase asked me for a copy of an " estimate '' to have it repaired. I faxed that estimate to them ( {$1200.00} ). The dispute was mishandled by being handled by numerous merchant dispute representatives ( at least XXXX different people called me from Chase and I have at least XXXX post cards stating my claim was being worked on and no interest charges would be applied to my account until it was settled ). On XXXX/XXXX/XXXX, Chase returned the {$1200.00} " estimate of cost '' back to the MERCHANT. I then provided Chase with a copy of my check dated XXXX/XXXX/XXXX where I had paid the furniture refinisher to repair the furniture. It was never a charge to Chase. Last correspondence from Chase was from a XXXX XXXX, Customer Service Specialist stating : " The disputed amount will remain on your account. Please follow the instructions for payment on your statement. Future correspondence from you regarding this matter will be reviewed, placed in your file, but no response will be sent. '' They absolutely can not get it that I paid with my check for the refinishing of the damaged hutch in the amount of {$1200.00} and that amount should have been credited to my account, not the merchant 's. I 'm at a loss as to who to turn to until I found your website. I hope you can help. By the way, I 've canceled my Chase account and cut up the card. Oh, and they 're charging interest on the disputed amount, which I believe is illegal?
Product: Debt collection

Absolute Resolution INV appears on my credit report for an amount of {$4500.00}. States original card was with XXXX. Debt is not mine. I never had a card with XXXX. It states account opened on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : 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.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts : XXXX XXXX, opened on XX/XX/XXXX ; XXXX XXXX XXXX, opened on XX/XX/XXXX ; XXXX XXXX opened on XX/XX/XXXX ; XXXX XXXX XXXX, opened on XX/XX/XXXX ; and XXXX XXXX, opened on XX/XX/XXXX. Additionally, there are unauthorized hard inquiries from XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX  XXXX XX/XX/XXXX. I have attached a copy of the consumer XXXX credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. These accounts, collections, and inquiries appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I was unaware that someone open a XXXX account in my named until I received a notice of me owing {$1100.00}. I called XXXX to report identity theft and explained the situation. XXXX from XXXX told me he would handle it and that someone will be calling me. No one ever called me or contacted me regarding this matter. 
Today I received a collection notice form AMSHER Collections Services for the Amount of XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received a payday/installment loan from XXXX XXXX XXXX around XX/XX/2018 in the amount of {$500.00} ; which was instantly deposited into my checking account. At the time the loan was made- I was unable to fully and completely review The Truth in Lending Disclosures. To this date- I am still unable to access my account and view any of that information. As of todays date ; I have made the following bi-weekly payments of {$100.00} ; all of these payments have gone towards the astronomic interest that is being charged and nothing towards the principal. To date I have made the following payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX- totaling more than {$860.00} being paid for an initial loan of {$500.00}. I am unable to continue making these payments and have tried to contact the company to discuss other arrangements ; to no avail. The only response I have received from the company is being told that payments will continue to be drafted from my account and interest will be accumulating on a daily basis. This predatory loan is not only unethical but illegal in the state of Georgia. The interest amount being charged is well over 400 %. Chapter XXXX of Title XXXX of the Georgia Code is commonly referred to as the Payday Lending Act, even though it applies to installment loans as well- this code states any loans of {$3000.00} or less made to Georgia borrowers at interest rates that exceed eight percent ( 8 % ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint about being a victim of identity theft. According to Fair Credit Reporting Act Section 605B ( a ), you are required to remove/block any items opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, CT XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX Balance  : {$7800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently attempted to purchase a car and discovered inaccuracies on my credit report. According to 15 U.S.C. 1681, there should not be any such errors on my report. These inaccuracies are damaging to my reputation.
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft and XXXX, XXXX, and XXXX as well as secondary credit reports XXXX, LexisNexis, XXXX, XXXX XXXX XXXX XXXX and XXXX  are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. 

I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 

Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion took XXXXXXXX XXXX for a fraud account that I had to dispute then another XXXX XXXX  for the fraud account being thirty days pass due. I have since been notified that the fraud account was found to be fraud and closed and removed from my report. However the damage to my score has not been replaced to show that. I am in good styanding and back to the score it was before the fraud account was listed. They removed the account but have not returned my points
Product: Debt collection

I have been receiving letters from a company by the name of AFNI. The company is a third party collection agency trying to collect a debt. On XXXX XXXX my vehicle was hit in the rear left side by XXXX XXXX in an accident. My insurance company denied her claim because she was at fault. Her insurance company XXXX covered her damages and repairs. They are now harassing me, demanding XXXX in damages for their clients vehicle. XXXX now being contacted by AFNI with threats of being sued and negative attachments to my credit reports. I submitted a police report and documents where her claim was denied. I am not liable for any debt owed to these companies. I do not have a signed contract and or agreement with neither of these companies.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : EXPERIAN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX