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

I have been violated as a consumer and human being causing defamation to mental and financial livelihood. My rights have been violated continuously with no compassion or honor by the credit bureau. They have violated the law and I under my rights 15 U.S.C 1681.

Transunion is governed by 15 U.S.C 1681 and they have violated my rights numerous times and I demand the accounts below be removed and NOT UPDATED due to the law. 

According to 15 U.S.C 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 15 U.S.C 1681a ( e ) was violated along with 15 U.S.C 1681c and I gave proof of inaccuracy multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I review my updated credit report, I see that some of my accounts were erroneous. Experian and XXXX are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In XX/XX/XXXX, I opened an account at the XXXX Macys store located at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. During a purchase at the store, the cashier informed me that my previous account had been closed and asked if I would like to open a new one. Even at the time of opening that account, the store clerk did not inform me that I had an outstanding balance from a previous account. I agreed, and a new account was opened for me that day. 

In XX/XX/XXXX, I paid off my total balance of {$110.00} via check to the account ending in XXXX. The funds were withdrawn from my bank account on XX/XX/XXXX. However, in XX/XX/XXXX, I received a past-due notice from Macys stating that I still had an outstanding balance. 

I contacted Macys and filed a dispute, providing evidence that I had paid my account in full. The agent instructed me to fax the documentation, which I did on XX/XX/XXXX, and again on XX/XX/XXXX. I also sent emails with attached evidence to XXXX. Despite these efforts, the issue remained unresolved. I followed up on XX/XX/XXXX, and was given a case number, # XXXX. However, I have not received any clear resolution or communication, and my credit report has been negatively affected as a result. 

I filed a complaint with the Better Business Bureau and reported my dispute to XXXX and XXXX. On XX/XX/XXXX, I called Macys escalated response team and spoke with XXXX ( agent ID # XXXX ) and discovered that I had two open accounts as of XX/XX/XXXX. When I paid the account ending in XXXX in XX/XX/XXXX, I was unaware of a second account. The cashier who assisted me in XX/XX/XXXX did not inform me of any existing account, leading to this confusion. I had made XXXX XXXX of inquiries and calls and complaints and no one on their team informed me of this mix up. Even with all these efforts the company does not want to resolve this matter even when they have every recorded conversation and history of my repeated calls an inquiry on my behalf to solve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I found some discrepancies an item that is not mine, I believe I've been a victim of identity theft, there is a delinquency on a rental property that I do not know about. 
so I'd like to report this to ask for help in restoring my credit.
Product: Debt collection

I attempted to reach out to medicredit who has negatively impacted my credit, they will not speak with me as the name doesnt not match the account they have. Im at an impasse
Product: Credit card or prepaid card

Engaged merchant to remove squirrels from inside my chimney and entire yard. Merchant placed trap and camera and promised to catch and remove squirrels until all were gone. After several days no squirrels were caught. Tried to contact many times over several weeks to resolve the situation to no avail. Discovered over this time merchant was rated F on XXXX  and had many complaints of the same nature. Also discovered merchant was being investigated by the State Fish & Wildlife for not following wildlife laws and regulations, and there had been several negative news stories regarding the illegal/unethical business practices of this merchant. Ultimately, had to hire another merchant to remove all the squirrels which they did effectively in less than a week. Filed dispute in early XXXX with bank to receive credit back on my credit card for fees paid in advance to the first merchant who never provided the services promised. After first providing my dispute with the bank 's Credit Card Dispute Department via phone in early XXXX, subsequently had to file again in writing along with other supporting documentation as requested later by the bank. Bank sent letter on XX/XX/XXXX stating they were denying my dispute because they had received documentation from the merchant " that shows disputed services were provided '' and stating they enclosed a copy of this information for my review ( which they did not ). It took many attempts ( many hours and calls ) over several weeks to subsequently receive the information the merchant had provided to the bank, but which wasn't received until the end of XX/XX/XXXX. After reviewing the merchant 's information it was clear that there was no proof provided that services were ever provided. I provided my responses to the merchant 's documentation on XX/XX/XXXX which again summarized my dispute, the evidence that I provided and the proof I provided that services were never provided, and pointing out to the bank that the merchant 's information did not speak to whether or not services were provided as they had stated, and based their denial of my dispute upon. The bank 's whole dispute process is flawed, with difficulty in filing a dispute, determining the status of the dispute, and the overall ability to effectively communicate with the people reviewing and making decisions on the disputes. Their response times and follow up are awful, transparency is nonexistent, attention to detail is inadequate, and their personnel have been very unprofessional. Overall, their dispute process is not at all customer friendly or customer oriented in any way. Finally, I would note that at the time I originally filed my dispute over the phone, the bank employee indicated that yes they have had a lot of other customer disputes with this particular merchant. If true, than even more frustrating considering the amount of evidence that I had provided proving this merchant had not provided the paid for services as promised, as well as evidence of the merchant history of fraudulent business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX  XXXX {$420.00} XXXX XXXX XXXX {$910.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$270.00} XXXX XXXX   XXXX XXXX {$1000.00} XXXX XXXX XXXX   XXXX {$67.00} COLLECTIONS XXXX {$530.00} COLLECTIONS XXXX {$500.00} COLLECTIONS XXXX {$230.00} COLLECTIONS XXXX {$770.00} COLLECTIONS XXXX {$1100.00} MEDICAL DEBT XXXX {$1000.00}
Product: Credit card

Take a look at the documents provided. I want the bureau to commence an investigation into these accounts, despite my consistent on-time payments, as they are erroneously being reported as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Account Name : XXXX XXXX ; Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXXXXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXXXXXX XXXX XXXX, Account Number : XXXX XXXXXXXX, Account Name : XXXX XXXXXXXX XXXX, Account XXXX, Account Name : XXXX XXXXXXXX XXXX Account XXXX : XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : 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 an account without my written instructions.

15 U.S.C. 1681 s-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

EXPERIAN website or customer service will not allow me to dispute a XXXX   medical bill. 

As of XX/XX/2017, theres a 180-day waiting period  before unpaid medical debts I cant even post comments to explain my situation
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am submitting a complaint against CELTIC/Con under 15 U.S.C. 1601 for failing to conduct a reasonable investigation of my dispute regarding inaccurate information on my credit report. Despite my efforts to provide documentation supporting my claim, CELTIC/CON has not corrected the erroneous information, which has adversely affected my credit score and ability to secure credit. I request the CFPB 's assistance in resolving this matter and ensuring that my consumer rights are upheld. I contacted the company to advise them of a financial hardship and loss of employment. The company never sent me a 1099 despite three attempts. I want this entire account removed /deleted from all three credit bureaus and I want a letter emailed to me within 3 business days : ( XXXX ) on company letterhead stating that this account has been removed and the matter has been resolved. Thank you for your attention to this issue.
Product: Credit reporting or other personal consumer reports

I am writing to express my significant frustration and disappointment regarding the numerous attempts I have made to correct inaccuracy on my credit report with Equifax Credit Bureau. Despite my continuous efforts to rectify the late open account on my credit report, these inaccuracies persist and are causing harm to my financial well-being. Over the past several months, I have made multiple attempts to dispute and correct the late open account on my credit report. These late open account is affecting my credit score and my ability to secure favorable financial terms. As per the Fair Credit Reporting Act ( FCRA ), I expect that this dispute will be resolved within 30 days. I also request that you provide me with a written response detailing the results of your investigation, any corrections made to my credit report, and a free copy of my updated credit report. Please acknowledge the receipt of this letter within 15 days and keep me informed of the progress throughout the investigation process. I am asking for your help to correct the late open account : XXXX XXXX XXXX XXXX : {$0.00}.
Product: Vehicle loan or lease

COERCION AND DECEIT NOTICE OF INTENT AND PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES FOR VIOLATIONS OF THE FAIR DEBT COLLECTIONS PRACTICES ACT OR FAIR CREDIT REPORTING ACT> Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. A copy of this letter as well as copies of the XXXX previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. Encl : 1. Copy of Social Security Card 2. Drivers License
Product: Mortgage

Wells fargo has harassed me by calling me at home at least XXXX times a day and at work at least XXXX times a day, They take payments and place them in " unapplied funds '' for extended periods of time allowing the mortgage to become late and charge me a late fee. 

after several demands to stop calling and a cease and desist letter they are still calling several years later even when the loan is current
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from it. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$990.00}
Product: Credit card or prepaid card

On the XXXX of XXXX I called Chase to set up my account so that I could make payments. On the XXXX I discovered that all of the payments that I was making had been declined. when I called Chase the customer service person told me that the person who took my account number entered it in wrong and had one number missing. That day I continued to make payments as I swiped my card. When I was leaving for my flight to XXXX VA on XX/XX/XXXX, I discovered that my card was declined. When I called Chase they told me that they had closed my account due to payments being declined. Since then I Went back and forth with many customer service agents who were very rude. They would not answer my questions when I asked them why I was being punished for their error. I would almost understand why they closed my account if I had a payment, but at the time when they closed my account, I did not even have a minimum balance due. Each and every customer service agent was very rude to me. Sometimes telling me that I had to wait 3 days to talk to a supervisor and sometimes they would transfer me over. No one that I spoke with over the phone was able to give me an exact reason as to why my account was closed when it was their admitted error AND I have not received any notification that my account was closed or that my payments were invalid because they entered it in wrong. This is a horrible company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to complaint # XXXX. I received a letter dated XX/XX/XXXX, from Equifax stating the company could not locate me in their database and I need to send additional information to be located in the database and my request for reinvestigation will be process. 

Per the letter request, I`m submitting my response though CFPB website because I want this matter to be handle properly. I have attached my social security card, driver license, and pictures copies of the inaccurate account that need to be removed from my report. 

Per bureaus guidelines, I have already submitted a complete report from all 3 bureaus showing the inaccurate accounts reporting in XX/XX/XXXX by certified mail. 

Per my request, please reopen complain # XXXX and reinvestigate this matter.
Product: Mortgage

We called quicken loans ( rocket mortgage ) on XX/XX/XXXX with some questions about refinancing. The lady we talked to ( XXXX ) was very nice, and said that we NEEDED to refinance Because rates were so low. She told us about the process, and it sounded promising. She asked us to estimate our home value, and we went off of XXXX and XXXX at the time. We ARE NOT experts, and this is not our profession. She stated if the assessment came in lower, it was no problem, they could just restructure the loan. She also stated, with rocket mortgage, all closing costs roll into the loan. Which was great, because we told her we did not have the means to pay closing costs. She then asked for a credit card to cover {$500.00} for the assessor. We were reluctant, because we didnt have that to just give away. But again, she said we would get that back. 
Well, two months later, we STILL do not know what is going on. We have gotten several mortgage scenarios. All including outrageous closing costs. We can not pay! We asked several times to just cancel this. If we can not do it, just tell us. You can not ever get through to a person, and you rarely get a call back. We just want our {$500.00} back, and cancel this! Its beyond frustrating. And for our experience, they are scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have notcomplied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowedby law and continued reporting as unverified information which now, given all my attemptsto address it directly with the creditor, as willful negligence and non-compliance withfederal statutes. Below are the lists of the erroneous accounts reporting on my CreditReport : XXXX/XXXX  XXXX XX/XX/XXXX {$0.00} XXXX/XXXX  XXXX XX/XX/XXXX {$0.00} XXXX/XXXX  XXXX XX/XX/XXXX {$7200.00} XXXX XXXX XXXX XXXX XXXXXXXX, XXXX {$0.00} XXXX/XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX/XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2600.00}
Product: Debt collection

On XX/XX/XXXX I entered into an agreement to pay a monthly amount on an old bad debt for a reposessed automobile with Westlake Financial ( located in California ). 

Original loan # XXXX Original last name on loan ; Word I have faithfully paid on this debt, some months more than the agreed to minimum. 

I have been trying for several months to get an account statement showing what the balance owed is, IF ANY, as I believe this debt should now be paid in full after all these years of paying. 

I have called and requested the account statement, I have used Westlake 's online customer contact form, I have emailed.

In about 6 months time I have had 1 person reply, asking me for additional information and then stating she sent my request to the appropriate department. This response was from a XXXX XXXX on XX/XX/XXXX. 

I still have nothing from this company. 

I believe this company is fraudlently collecting my payments and refusing to send me an account statement so that I won't know the debt is paid in full. 

I notified them in writing again today that I still need a response and that until its received I am now holding all payments in a savings account. 

Please help me.
Product: Credit reporting or other personal consumer reports

I just checked and reviewed again my Equifax and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,  XXXX gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, Equifax announced it experienced a data breach and my personal information was stolen. As a victim of Identity Theft, my social security number, home address, phone number, and email was stolen and then used to obtain credit cards, car loans, and other additional loans in my name. My life has been ruined and I need help. I've reached out to the credit bureaus but received little assistance. I submitted a letter XX/XX/XXXX to equifax, XXXX, and XXXX but not haven't got a response. According to Section 6 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 60 days with no response. I demand all horrific inquires, collection item, closed accounts, and previous addresses to be removed or I will file for litigation due to the stress you have caused. That is not me. Please see the attached document of the letter I sent to the credit bureaus and the Equifax Data Breach Settlement given to me by Equifax credit bureaus. Please delete inquires, collection item, closed accounts, and previous addresses. Thank you.