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

On XX/XX/2020 Experian XXXX XXXXl sent to consumer via email an admonition due to there data breach and cyber security attack ; cause him to suffer from or experiencing now ( Identity theft/fraud ). Consumer provided a copy of the civil judgment previously reported to third party and other fraudulent activities were made public record on his Experian Credit Report to date. The documents are proof my Confidential and Personal Information was compromised by XXXX employee having committed fraud. As direct result of Experian XXXX XXXX ; Experian XXXX ; Experian Information Systems , Inc ( EIS ) and dba Experian XXXX XXXX ( XXXX ) arbitrary or capricious decision ( s ) to make or having made full disclosure of ( 1 ) erroneous or false reporting of NYCSE accounts about consumer presented an inaccurate image of my credit worthiness that violated or in violation of Section 1036 ( a ) ( 1 ) of the CFPA prohibits unfair, deceptive or abusive acts or practices 12 U.S.C. 5536 ( a ) ( 1 ( b ). Such misrepresentations as described in above paragraph were false and misleading constitute deceptive acts or practices in violation of section 1031 ( a ) ; 1036 ( a ) ( 1 ) ( b ) of the CPA. 125531 ( a ) 5536 ( a ) ( 1 ( b ). As direct result of such false reporting of trade lines, ( fraudulent activities ) violated or in violation of Section 13 ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 53 ( b ), Standards for Safeguarding Customer Information ( Safeguards Rule ), 16 C.F.R. Part 314, pursuant to Sections 501-504 of the Gramm-Leach- Bliley Act ( GLB Act ), 15 U.S.C. 6801- 6804 and Section 19831985 for injunctive relief, restitution and any other relief having violated FTC Act pursuant to 15 U.S.C. 45 ( a ) and Safeguards Rule 16 C.F.R. Part 314 to date
Product: Debt collection

I do not have a contract with Debt Recovery Solutions and I never had one with them. I do not owe this debt nor do I own it. This account was already deleted from the other bureaus.
Product: Credit card or prepaid card

I am no longer receiving unemployment income. I do not have any means to make the monthly payments that have already been lowered however I no longer have funds to send them for the minimum monthly payment. If I receive any assistance from the government, then I will be able to make an effort to send them what I can. I currently do not have anything to send them and they will not defer any more payments. They asked me to call XXXX  XXXX however they would not defer any payments either. They were going to increase my interest rate and offer me another payment plan. That's not an option for me right now.
Product: Debt collection

I received 3 letters from TransUnion Credit monitoring membership dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. First letter dated XX/XX/XXXX states that on this same date XX/XX/XXXX the following changes appeared in my credit file : Major Derogatory from Creditor XXXX XXXX in the amount XXXX ( new medical collection ). 

Soon after receiving this information I submitted Dispute Letters to ( TransUnion, XXXX, & XXXX ) with the above derogatory account information on it that was given to me from TransUnion. 

I received a response from TransUnion dated XX/XX/XXXX(  less then 10 days of me quickly responding to this report ) stating RE : Unable to Locate Credit Report dispute Request. 

I submitted another Dispute Letter only to receive a TransUnion response dated XX/XX/XXXX RE : Dispute Status ... .Based on the information provided to TransUnion , our records show that the information you disputed does not currently appear on your TransUnion credit report. 

The certified letters that I submitted to the credit bureaus were sent expediently and most importantly I am using the same data that can be found on my current status credit report and the information that I received from TransUnion credit monitoring. 

I clearly monitor my credit report very closely and I went from XXXX to XXXX ... 33points dropped and now XXXX  dropped another 7 points! I work very hard to get where I am at. 

So how can I have a 33 and now 40 points dropped for the ( only ) negative thing on my credit report in which TransUnion and XXXX   now say does not exist or can not be found? When it is on my credit reports. All 3 of the bureaus has the same information I am rightfully disputing and all 3 credit bureaus : TransUnion, XXXX  and XXXX  each received a letter from me disputing this account and asking for validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect/ Wrong Name, Address, and Work History Personal Information NAMES REPORTED XXXX XXXX XXXX INFO XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Information not mine, account was not verified showing it belongs to me with my ID and other info that pertains to me. Company was not able to send verification of my purchase and validation of myself being involved.
Product: Credit reporting

An address XXXX XXXX XXXX shows up as one of my addresses and I 've never lived here in my life!!!! I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX who is submitting this CFPB complaint and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00}
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Also it is incorrectly reporting this account as well. Its reporting as Closed, paid, and open on all 3 Credit Bureaus.Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the XXXX XXXX account number XXXX on Transunion , XXXX on XXXX, XXXX on XXXX.Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a complaint regarding my mortgage company reporting inaccurate information to my credit report. ( Complaint # : XXXX ). On XX/XX/XXXX, I received a response to the complaint and the mortgage company agreed to fix the inaccurate reporting to my credit. On XX/XX/XXXX, I received notification that the late reporting was fixed to no data for XXXX and XXXX as agreed upon in XXXX 's response to my CFPB complaint. 
On XX/XX/XXXX, I received notification that XXXX made new remarks on my credit report. When I checked my credit, my credit score was dropped AGAIN due to XXXX re-reporting late payments for XXXX and XXXX after they agreed and DID fix it on XX/XX/XXXX. On XX/XX/XXXX XXXX immediate reached out to XXXX  via email providing them with my credit report and a copy of their response to my CFPB complaint. I asked that the issue be fixed AGAIN and in an immediate fashion as that was the agreed upon response to my initial complaint. 
As of today, XX/XX/XXXX, I have not received a response to my email nor has my credit report been fixed as they stated that would do initially on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX CT # XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX 1912 XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent three rounds of dispute letters to Equifax in the months of XXXX through XXXX each time I asked them to validate these medical accounts but they never did as a result they're telling me they're no longer investigating on this matter.
Product: Debt collection

There is a medical collection on my credit report I do not recognize. I have requested several times for it to be removed
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00}
Product: Bank account or service

My home suffered damage in a recent flood. The insurance adjuster came out and filed a report on the damage. Checks were issued, but the bank that holds the mortgage, Penny Mac, was also listed on the checks so we had to send the checks in to Penny Mac for endorsement before we could access the money. We sent in all information that was requested by Penny Mac, but the money was not released. When we called to find out what the problem was, we were told that because the loss department had changed locations, our documents could n't be found so we would have to resend in the information. We were also told that there was another form that needed to be completed ( it was not in the original packet ) and would be faxed out to us since they could not email it. It would take 3 days for an approval on the fax. The fax never came. There was no record of the fax even being sent out and our money is still sitting in Penny Mac 's hands with no work being able to be done on the house. When asked to email information initially we were told that this could not be done, but after requesting a supervisor, we were told that it would be done. At this moment, we are still waiting for our money.
Product: Checking or savings account

ON XX/XX/XXXX we purchased a hotel stay through a merchant known as XXXX XXXX in the amount of {$440.00}. 

This was related to a trip to XXXX. 

ON XX/XX/XXXX we cancelled the trip due to the Pandemic related closure of XXXX. 

ON XX/XX/XXXX the Merchant approved a refund in the amount of {$330.00}. They indicated it would take 15-30 days for them to process the refund but that never happened. Further the refund should have been for the original amount of {$440.00}. 

ON XX/XX/XXXX the Merchant issued a credit in the amount of {$440.00} to Bank of America.

Bank of America never deposited those funds into our account. 

We filed a complaint with B of A to look into it and they closed the case and claimed the merchant did not authorize the refund but as you can see from the attached the merchant approved the refund. 

We spoke with B of A operating unit that closed the claim and they suggested we visit the Branch and provide them with the documents that showed the merchant 's approval of the refund. Even though we had already faxed it to that unit and they lost it.

We went to the Branch and spoke with the Manager XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX, XXXX, NV. XXXX. We gave her the all of the attached paperwork and she said she would resolve the issue. 

Subsequently we received another closure letter and went back to the Branch to speak with XXXX. She had lost the paperwork at that point and did not remember what took place. The operating unit at B of A had asked us to get a time stamped copy of the fax from the branch to the operating unit but XXXX could not produce that document. 

We escalated the issue to XXXX XXXX XXXX VP and Consumer Banking Market Leader Telephone XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, NV. XXXX. Once again he said he would resolve the issue. 

Mr. XXXX kept us updated for a few weeks and claimed he was looking into the issue and eventually the last time we heard from him was XX/XX/XXXX of XXXX with no resolution. 

We have not heard from anyone since then
Product: Debt collection

Transunion continues to report a debt not owed. According to 18 Usc 8 all obligations or alleged obligations are covered by the United States. I did not do business with the debt collector. Nor did i give transunion authority, nor written consent to furnish this information and under 15 usc 1681 ( b ) ( 2 ) my written consent is needed. I asked Transunion to remove this item or there in direct violation of The FCRA. 

1. XXXX XXXX {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent my initial investigation about accounts in question to either verify accounts or accounts that are not reporting correctly. Then I sent another dispute on XX/XX/XXXX regarding the same dispute to investigate because NO RESPONSE at this point its past 60 days and these accounts NEED TO BE REMOVED IMMEDIATELY due to NON-COMPLIANCE for an investigation to be conducted. Attached are proof showing letters sent out requesting for investigation. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Please verify this account Account Name :XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Reason : Please verify this account Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Please verify this account Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Reason : Please verify this account You reported this account as late in XX/XX/XXXX to XX/XX/XXXX ; However this account is still showing Open status, how is this possible? Please DELETE this inaccurate erroneous account immediately. 

Account Name : XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Reason : Please verify this account You are reporting as past due balance on a collection account. This account is past due by default. You are reporting inaccurate and erroneous information. Please DELETE this account immediately. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Please verify this account Account Name : XX/XX/XXXXAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} Reason : Please verify this account Please REMOVE ALL LATE PAYMENTS. I was never late. Please remove late payments for 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. You are showing I was 30 days for each of these months how is this possible. PLEASE DELETE ALL LATE PAYMENTS IMMEDIATELY. 

Account Name : XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Reason : Please verify this account Account Name : XXXX XXXX Original Creditor : XXXX XX/XX/XXXX XX/XX/XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} Reason : Please verify this account The Date of last activity is showing different with ALL THREE BUREAUS how is this possible when you are reporting from same creditor. Please DELETE this account immediately. 

Account Name : XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Reason : Please verify this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian about a account being reported by XXXX XXXX XXXX I asked for this account to validated and they claim that it was. I also sent a Validation of debt letter to said companies. Experian Claims that this account was verified I don't understand how this debt was validated as this debt does not belong to me I never lived there. I received a response from XXXX XXXX stating I needed to contact XXXX XXXX but they are the same company according to the chamber of commerce in XXXX Texas but they never validated my complaint stating that there records show valid info but how is that possible when account number between Experian and XXXX   are different also it is Reported under XXXX XXXX on Experian but tenant tracker on XXXX and XXXX this company is scamming people they will not provide me with a dunning letter are any forms showing my contractual agreement to alleged debt. Furthermore I had a mortgage company pull my credit figuring that will be the most accurate and XXXX  XXXX does not show anywhere on my report from them just XXXX XXXX. That being said XXXX XXXX is breaking the law by not validating a debt trying to claim they are not a debt collector yet they are reporting to my credit reports as a debt collector. Also the dates are wrong they are reporting as this account was opened after last date of activity claiming open date of XX/XX/14 and XXXX XX/XX/14 there is no way this collection account is valid as I am in no way tied to this debt.
Product: Credit card or prepaid card

I had 3 fraudulent charges placed on my account on XX/XX//2019 in the total sum of {$740.00}. I received a notification from the bank, Barclays, about unusual activity, so I immediately called Barclays. They agreed to dispute the charge and send me a new card. I received the new card, but Barclays then told me that their investigation showed the card 's chip was used in the transaction, so they believed I used the card and refused to remove the fraudulent charges. I called them two times and was told the same thing both times.

However, two other credit cards of mine from different companies were also used for fraudulent activity on XX/XX//2019 during the same time period, but the other two banks, XXXX XXXX and XXXX, both removed the fraudulent charges without issue.
Product: Payday loan, title loan, or personal loan

Due to unforeseen circumstances, I missed a payment of {$150.00} that was due XX/XX/2021. I called the company and asked if I could possibly get an extension. I told them I was unable to pay @ the present time, due to an emergency. I found out that they are in the process of repossession only by checking the website.
Product: Debt collection

Notice of Dispute XXXX XXXX XXXX Assistance XXXX XXXX XXXX XXXX, XXXX, TX XXXX To whom it may concern.

I recently received a copy of my credit report online and found that you are illegally reporting The inaccurate and malicious information about me on my credit report.

The following accounts, Name, Addresses and phone numbers!

Not only is the information incorrect you also aided this creditor who has violated my right to privacy in accordance with " The Fair Credit Reporting Aet ''.

This Creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy.

( 15 USC 1681. ( section 604A section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions.

As well as 15 U.S. Code 1681a paragraph 2 sub paragraph a subsection i states transactions are not included in the consumer report!

Pursuant to15 United States Code. ( 6801 ) you ( CRA ) are disclosing unauthorized use of information and that is causing me inconvenience and harm to my life liberty and pursuit of happiness! ( 1681, C-2 ) -1681 ) ( I, E, B. ) as well as 18 USC. 1341 an Many more violations of law, such as CFR. fair credit reporting act, Uniform Commercial Code violations, as well as.

According to " The Fair Credit Reporting Act I have a right to a fair and accurate credit report.

Therefore any information that is not true, inaccurate and unverifiable is required to be removed.

I demand you remove the inaccurate account immediately to avoid further persecution from CFPB and Federal Trade Commission. As well as cease and desist from further malicious unauthorized disclosure of information which may further hinder my life liberty and pursuit of happiness!

Please send me an updated copy of my credit report showing your compliance with all FCRA and XXXX XXXX Reporting requirements. 

With Great Sincerity ( XXXX XXXX )
Product: Credit card or prepaid card

Last fall, we received a Vanilla Gift Card and checked the balance, which was {$50.00}. On XX/XX/XXXX, we visited XXXX to pick-up a few items and attempted to use the Vanilla gift card, which was declined. Later that evening I called Vanilla Gift Card for assistance at XXXX and was informed by customer service that {$48.00} had been charged to XXXX. Confused, I conveyed the fraudulent transaction and was given case # XXXX, also received an email with attachment ( Dispute Packet ) ; stating an investigation would begin once the attachment was completed and returned. 

I promptly completed and returned the email with attachment and received the following response on XX/XX/XXXX " Please use this email as confirmation that your dispute packet has been received and forwarded to the Dispute Resolution team. Please allow time for the processing of your dispute. The entire cycle can take 45-90 days ; however, some cases are resolved before then. '' I followed up after 30 days, on XX/XX/XXXX and received the same response as above. 
I followed up again at the 60-day mark XX/XX/XXXX same response as above. 
I followed up again at the 90-day mark and still received the same response again as above. The 90-day mark XX/XX/XXXX I followed up again and received no response. I contacted them again on XX/XX/XXXX and still no response. 

I called and the automated response stated to allow 180 days, so I waited and until XX/XX/XXXX to follow up again and was informed I would receive an email response. Finally, I called XXXX after about an hour I spoke to a representative, who conveyed the case was still pending resolution. 

I am following up again since there has been no communication or conclusion to my case, which is now five months ( 150 days ) without a reply. Vanilla organizations courtesy and professionalism have been poor, and integrity seems to be lacking. I look forward to a more satisfactory response. 
XX/XX/XXXX, I submitted another email with the above information on it and still received no response :
Product: Debt collection

This Debt collection company XXXX XXXX XXXX has called many times to collect a debt in the amount of {$370.00} They have also reported this debt to the credit bureaus lowering my credit score. XXXX XXXX XXXX is not licensed in the state of Michigan to collect debts.