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

I have been trying to get my report updated with only accurate information for the last few years and I am still battling against these reporting agencies. I recently submitted yet again my XXXX written request to XXXX, Trans Union and XXXX to have the incorrect information updated and or removed from my credit report. To date it still hasn't been resolved.. The information these agencies have been furnishing has been inaccurate and has impacted my score negatively even though I have many accounts that are all paid as agreed and never late, the negative information has significantly dropped my score and prevented me from being able to get a car, qualify for a XXXX XXXX agreement not to mention countless opportunities to help to further my business and take care of my family. 15 USC Code 1681s-2 ( A ) 1- States " 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. In addition 15 USC 1681e says " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports for the purposes listed under section 1681b of this title.

I have researched diligently and according to the FCRA 15 USC 1681 602 which says " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy ''. Trans Union, XXXX and XXXX are consumer reporting agencies and I am the consumer. I do have the right to protect my private information and make sure its not shared. This is backed also by 15 USC 6801. This states " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information ''. Furnisher of information to credit agencies is a financial institution by definition under that title. Also 15 USC 1681 604 section 2 says " In general subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. The financial institutions and the consumer reporting agencies, Trans Union, XXXX and XXXX do not have my written consent to furnish any information. You can see in the documentation I have requested to Opt out in writing several times. XXXX, Transunion and XXXX are not maintaining reasonable procedures and are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX Balance XXXX {$1200.00} XXXX XXXX XXXX : {$25.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX from XXXX XXXX XXXX with a balance of {$410.00}, XXXXXXXX XXXX XXXX with a balance of XXXXXXXX XXXX XXXXXXXX, with a balance of {$2300.00}, XXXX XXXX, with a balance of {$1900.00}, XXXX XXXX, with a balance of XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX ] as proof from the US 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

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX. 
{$610.00} Balance updated XX/XX/2021 This account does not belong to me
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Transunion XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : This is my third credit error dispute request. I have included a copy of my driver 's license and social security card to validate my identity. In accordance with Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( hereinafter referred to as " FCRA '' ), your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. 

I am formally requesting verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA, unverifiable accounts must be promptly removed. I formally demand the following negative account records to be verified and/or removed immediately. Please : Provide proof of all your verification of the debt ; Explain and show me how you calculated what they say I owed ; Provide me with copies of any papers that show I agreed to pay what they say I owe with the original contract and my signature ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; and Please provide proof of the debtor, that they are licensed in my state and provide me with their license numbers ( if applicable ). 

This is not a third party. I am disputing this item myself. Please remove this account from my data/profile immediately ; failure to do so puts you in violation of the laws of the United States Government and, therefore, prosecution. I have filed a complaint with the CFPB ( Consumer Financial Protection Bureau ). 

Thanks much in advance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had to file a XXXX XXXX XX/XX/XXXX the case was concluded in closed on XX/XX/XXXX I paid it off XXXX year early in full at the time when I filed I owned a home that was never included in the XXXX XXXXXXXX from day XXXX experience has had on my credit report that this house is part of this XXXX XXXX I tried fixing it XXXX times now I filed a dispute on XX/XX/XXXX of XXXX they were supposed to fix it I filed another dispute XX/XX/XXXX they were supposed to fix it and I filed XXXX XX/XX/XXXX of XXXX I also have on there for XXXX XXXX XXXX which was also not filed in XXXX XXXXXXXX and I also try to get that corrected XXXX times and it has not been along with the home this has caused me so many problems when I go to take out any credit I'm getting high high interest rates 29 % I just bought a new home and I went to turn on my electric and they want {$400.00} to be able to turn it on and I don't have {$400.00} because I cashed in my XXXX to buy the home so now they put me on a prepaid account and I attached your coffee every time you see a minus XXXX that's really a plus go figure but this is caused me so many problems in so much physical and XXXX stress and illness I weigh XXXX pounds at this point I am a XXXX XXXX XXXX XXXX woman alone so I really need to have them fix this right away because it's taken away from my ability to financially take care of myself
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Account charged off. {$180.00} written off. {$180.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$350.00} Status Account charged off. {$350.00} written off. {$350.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$280.00} Status Account charged off. {$280.00} written off. {$280.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$19000.00} Status Open. 
XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$430.00} Status Collection account. {$430.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$530.00} Status Collection account. {$530.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$640.00} Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$730.00} Status Collection account. {$730.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$660.00} Status Collection account. {$660.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$540.00} Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$770.00} XXXX XXXX account. {$15.00} 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 an account without my written instructions the following accounts are all fraud and need to be deleted from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

FOUR INSTALLMENT LOANS FOR THE SAME THING? ONE SAYS IT WAS CLOSED IN XXXX I WAS SICK DURING THE PANDEMIC FOR A YEAR WITH COVID 19 3 TIMES, I HAVE NO RECOLLECTION Payment Information Payment Status Collection/Chargeoff Past Due Amount {$130.00} Highest Balance {$1400.00} Monthly Payment $ 0 Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms XXXX Remarks Charged off as bad debt Profit and loss write-off Creditor Name XXXX/XXXX  Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX {$3900.00} XXXX, XXXX XXXX Account Closed Date Closed : XX/XX/XXXX Credit Usage You're currently using 112 % of your credit limit. 

30 % ( Stay below ) 112 % Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$3500.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Late 120 Days Past Due Amount {$640.00} Highest Balance {$3900.00} Monthly Payment {$120.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information XXXX XXXX XXXX XXXX XXXX -- Creditor Name XXXX, XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX {$1800.00} TAB/SUNBIT XXXX Account Closed Date Closed : XX/XX/XXXX Account Information Account Status Closed Account Type Installment sales contract Date Opened XX/XX/XXXX Credit Limit -- Payment Information Payment Status Collection/Chargeoff Past Due Amount {$920.00} Highest Balance {$2300.00} Monthly Payment $ 0 Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms 12 Remarks Charged off as bad debt Profit and loss write-off Creditor Name XXXX/XXXX  Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX everything looking correct XXXX 
If not, you can report an inaccuracy.
Product: Money transfer, virtual currency, or money service

I am filing a complain against cash app ( block inc XXXX  due to inadequate customer service which violates the consumer financial protection act. Specifically, cash app failed to take timely and effective measures to prevent and address vulnerable amd unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not compy with error resolution requirements. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these actions
Product: Checking or savings account

Citi at XXXX XXXX XXXX XXXX, XXXX IL On XX/XX/XXXX I opened a Citi Business checking account, deposit new-to-Citibank funds within 30 days, maintain balance for an additional 60 calendar days and receive a cash bonus. Cash bonus to be credited to your account wilthin 90 days from the month you complete the required activities. 

Account opened XXXX XXXX XXXX 
XX/XX/XXXX, {$50000.00}. deposited XXXX XXXX, {$54000.00}. deposited Had over {$100000.00} in the account till XXXX, account is still open. 
Called Citi In XXXX, was told my bonus would post by XX/XX/XXXX. 
Called in XXXX answer was they would look into it. Emailed and called in XXXX, still looking into it, and XXXX, no answer in XXXX at all.
Product: Mortgage

I have not received an answer to my Qualified Written Request that I sent to Ocwen Mortgage, PHH and Litton Loans. Even though this complaint is for Ocwen all of these companies have asked me to pay them for my second. I've asked all of them several times who is the secured party that they sought to receive payment for. I do not believe I owe anyone who has contacted me thus far, so I have answered no to have I missed a payment. I think the account # is XXXX but if they give another number that is ok I just need to know who they were collecting for. 

I have attached my last QWR in this complaint.
Product: Credit card or prepaid card

I placed an order on XXXX and returned the items because they did not fit. XXXX provided me with a return label and the return was requested and shipped back within the 30 day return period. In addition, the return tracking # shows that the items were DELIVERED BACK TO XXXX and if you see in the attached photos of my chat conversation with XXXX and my emails, XXXX even CONFIRMED the packages were received. They said in the chat photo attached that it takes 14 business days to process the refund and to reach back out if I still do not receive my refund by then. It had been longer than 14 business days so I reached back out to them and they said that yes, they received my return, but now they can not find it in their warehouse so they cant process my refund. This is NOT my problem. I did what I was supposed to do, return the items. They can not steal my money like this because of a failure in their warehouse! 

XXXX then denied the claim saying they can't load XXXX XXXX tracking numbers which is very easily done on XXXX. They said they can only do XXXX, XXXX and XXXX which is false. In addition, they denied my claim and NEVER informed me of the denial. I reached out to XXXX on NUMEROUS occasions and they said they were still working on it when in fact they already had denied the claim. Now they are saying its been 35 days since the claim has been denied and I am screwed and if I want my money then I should " hire a lawyer and XXXX XXXX XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX, XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have obtained my consumer credit report and I have noticed that there is bankruptcy reporting. I have disputed with consumer reporting agencies through phone call and through mail. I was instructed that it was furnished through the court and XXXX XXXX. After contacting them both, the court responded on XX/XX/2021 that they dont report to any credit bureau and on XX/XX/2021, XXXX XXXX responded that they have deleted the bankruptcy from my file after my dispute. I have already sent proof to all 3 consumer reporting agencies through certified USPS mail.
Product: Debt collection

Dear debt collection The agency 's and accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I here dispute the validity of the alleged debt listed .Entirely I also request verification of the alleged debt specifically a copy. Of the original purchase agreement must be with original creditors and signed by the parties involved. I am requesting this because have had different companies reach out. To me about this same alleged debt. I am requesting immediate deletion of all reporting made to any consumer agencies experian, XXXX, XXXX and XXXX. You must cease collections effect until this alleged debt validate. You must show proof that you legally own this alleged debt and that it is accurate and complete Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am filing this complaint against Trans Union. Because Trans Union has ignored my requests to be provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to '' ... promptly delete all information that can not be verified '' that I disputed. Please resolve this matter as soon as possible. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and also via phone on XX/XX/XXXX directly with TRANSUNION and they have not been removed. 

XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for deletion of multiple duplicate student loan accounts for the past year with no solution. I have spoken with agents from company and sent many dispute letters. They have only removed 4 of the duplicate accounts but there are 4 still remaining and company keeps giving me different numbers to call with all of them saying they are not the right department. I need this removed from my credit bureau report as soon as possible.
Product: Vehicle loan or lease

I have tried over and over and over again to get this issue resolved with this company and they seem not to listen. For years this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. This company needs to come up with a solution and fast. This collection was set to be removed from my credit XX/XX/2021 and it has not come off yet!! They need to figure out something because this comes to a matter of reporting negative stuff on my credit and buying a home for myself and 3 children. What do you want me to do settle before you remove it? Admit that I owe it. What is it that you want?
Product: Debt collection

In cfpb Complaint No. # XXXX, pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and requested for " VALIDATION '' of debt. They refused to send any valid information but the summary of an account. Yet, after many months, they refuse to settle the charges per the regulations. The said debt has been sold or transferred from XXXX XXXX to the above two companies and none is willing to provide any valid information nor abide by the law of the land.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX