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

By the provisions of the Fair Credit Reporting Act of XXXX 15 U.S.C. section 1681 et seq., I demand that these items be reinvestigated and deleted from my credit record. Please send me the names and addresses of the companies that you contacted so I may follow up. Under the terms of the Section XXXX of the XXXX, you have XXXX  days from the receipt of this letter to verify this disputed information. In the event you fail to verify this data, or fail to respond to the request altogether, the disputed data must be deleted in its entirely : TransunionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

Hi I stayed In XXXX XXXX apartment and after 16 months and I had a lease for six months which got expired in the month of XXXX 2015. I did not renew the lease and My landlarod agreed to extent the lease for 2 month but he did not sent any renewal lease papers .In the month of XXXX dated XX/XX/2015 he sent me notice to vacate the apartment. I vacated the apartment as per dead line and hand over the keys. Now he is asking to pay the rent for three months even did not return even my deposit. I am enclosing the Notice and letter sent by my Attorney.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
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: Student loan

I have historically paid my Perkins Loan online at https : //borrower.ecsi.net/. On the site in the secure portion, I have used the direct payment choice which makes a payment direct from my bank without any fee. This has been done on a one time ( single recurrence ) basis. ECSI is developing a new website ( http : //www.heartlandecsi.net/ ) that they have encouraging the use of. On the new portal, there is not an option to make a one time ( single recurrence ) payment from my bank without incurring a fee of ~ {$2.00}. Across multiple accounts and over time, this is a substantial amount of money. I 'm complaining about there now being a fee for a service that previously did not have a fee. I have called the company and they were unhelpful. Additionally, I have attempted to work with the University XXXX XXXX as they technically still own the loan to get them to fix the issue. Neither has been successful.
Product: Debt collection

Synchrony Bank, a XXXX associate has a debt against me. My credit was impacted negatively. I have been trying for months to link my bank account with no success. I always received error messages. There is no other way to pay, and is because of {$4.00}. I continue to receive error messages and paypal customer service is horrible. If I can link my bank account, I cant pay. I tried with XXXX different banks and it still gives me the same error messages. This is an issue on paypal and paypal alone. I want the negative items remove from my credit report.
Product: Debt collection

As a consumer who do know my legal rights under the FCRA, FDCPA, XXXX and also CPB I am now demanding action against XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX Texas XXXX. These people claim I owe them {$250.00} for moving into there apartments but I never ever signed a legal document or lease. I tried contacting them and they would cooperate with me, totally unprofessional so I am forced to fill out complain. Will stop reporting them when they stop trying to extort me and defame me as a person by deleting this off my credit reports.
Product: Credit reporting

I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX XXXX XXXX XXXX reports Pay 31-60 Days 2. Judgement by XXXX 3. XXXX Inquiry 4. XXXX Inquiry 5. XXXX Inquiry I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that time frame, I expect these negative events to be removed.! Please communicate your intentions in writing.!
Product: Credit card or prepaid card

I closed my account with Capital One Walmart card on XX/XX/XXXX. I had paid the balance off. On XX/XX/XXXX a charge was made for {$18.00}. I did not authorize this charge and was not aware of payment due. On top of that, Capital One charged me a late fee of {$18.00} plus an interest charge of XXXX cents. 

I dont consider this a fair business practice.
Product: Mortgage

After a few years of unemployment, but making the mortgage payments on time with private help, I got back to work on XXXX/XXXX/XXXX. The private help ended, I was 30 days late for XXXX XXXX payment, but was back on track in XXXX and paid on time until XXXX XXXX. I tried in XX/XX/XXXXto refinance but was turned down for the 30 day late and less than 2 years on job. It does n't matter I had 25 year steady work history. When I realized XXXX/XXXX/XXXX I could n't make the payment, I called loss mitigation. I explained I had to buy heating fuel for winter, and would not be able to afford current mortgage payment. At the phone application, I was told I qualify according to my income. I have a $ XXXX/month payment on a loan balance of {$16000.00} on a house I have lived in for 17 years. The house value is around XXXX - XXXX. I received a demand letter on XXXX XXXX for about {$2200.00}, which I did not have. At this time mortgage payment was 60 days late. I was told by client services to make a payment to keep me out of foreclosure, so I did, but it was returned to me. I called for status often, and was told I am active in loss mitigation, my income qualifies, but bank has wrong physical address of property. I have tried to fix this problem over the years, and submitted this information once again in my latest application. This hang up on my address stalled all communication with underwriting for 6 weeks. I have since received monthly demand letters, and XXXX XXXX I received a letter denying my request for modification. I was given inconsistent information. For the XXXX program my income is insufficient for modification, but for the XXXX Programs my income is sufficient for my current payment. I received XXXX XXXX XXXX a letter that said foreclosure is " intended and pending '' I have involved the XXXX program, and as of XXXX XXXX, XXXX I am still active in loss mitigation. XXXX Rep and I spoke together to customer service, and I was told that bank is ok with not accepting my payments, and not re amortizing my small loan amount. They said they can foreclose anytime now on a home where they would get the {$16000.00} in principal that I owe, and be ok taking the {$70000.00} or more in equity from a mother and her children and leaving them homeless. I was told if I sign the liquidation papers I could get {$3000.00} for moving expenses. After six months now, bank is unwilling to compromise with a client who is willing to pay the {$16000.00} at a lower payment and longer term. I have all the letters and docs and can fax them to you.
Product: Credit card or prepaid card

On XX/XX/XXXX, while in the XXXX XXXX XXXX in XXXX, XXXX, I agreed to have Care Credit/XXXX XXXX, ( XXXX. XXXX XXXX, XXXX, XXXX XXXX phone # XXXX ) finance {$2400.00} for XXXX XXXX. My signature is undecipherable on this note because I was under pain medication. I was told that there would be no interest charges if paid in 24 months, so I agreed to have {$100.00} automatically transferred through my bank account in order to be paid on time. I received no statements by U.S. mail or e-mail stating what we owed until XX/XX/XXXX, while at the bank for other business, that we owed XXXX XXXX   {$1000.00} yet. In XX/XX/XXXX, I called XXXX XXXX  to find out why they claimed we still owed {$1000.00}. I was told at that time that the loan was interest free for only 18 months and that ended on XX/XX/XXXX. We then were charged $ XXXXinterest with a balance of {$800.00} that was still owed as of XX/XX/XXXX. This brought the balance up to {$1500.00}. When my wife and I found out that we owed this amount we couldn't believe it. We had already paid them through XX/XX/XXXX {$2800.00} in 28 payments. At that time we then requested the statements from the beginning of the loan XX/XX/XXXX thru XXXX.We received a letter stating that " Unfortunately we are unable to provide you with the information requested as it is no longer available ''. My wife tried to stop automatic payment, but they had already taken out a payment on XX/XX/XXXX of {$100.00}. We now had paid a total of $ XXXXThey received no payment for XX/XX/XXXX, because we stopped payment. They then sent all the original statements we had requested. After reviewing the statements, we realized that we needed to contact help from Legal Sources on how they could charge interest on original loan instead of unpaid balance. We have since sent them {$150.00} to prevent collections. 
I hope that you can help us resolve this problem. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone XXXX E-mail XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A closed account that was previously taken off by all 3 reporting agencies after MULTIPLE requests has now REAPPEARED on Equifax And XXXX. This is getting past the point of ridiculous!! One of the accounts is over 7 years old and the other 2 were paid off IN FULL IN GOOD STANDING WITH 100 % PAYMENTS ON TIME!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX removed 2 delinquent accounts off of my credit report with them after I submitted a dispute. The dispute was with XXXX XXXX XXXX. One debt totalling XXXX dollars and the other debt totalling XXXX dollars. 
I submitted a request for a timely debt review and they never responded. 
TRANSUNION has kept these deragetory remarks on their credit report with them even after I filed XXXX disputes with them. 
I filed a letter under FAIR DEBT COLLECTION PRACTICES ACT. 
XXXX responded APPROPRIATELY. 
TRANSUNION has failed to do so and this leaves me with AN Inaccurate credit score with TransUnion every month. My XXXX credit score is always XXXX points higher than TRANSUNION. Please help me get this removed.
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 Experian and Equifax 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 : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXXXXXX BALANCED {$33000.00} XXXX XXXXXXXX BALANCED {$790.00} XXXXXXXX XXXXXXXX XXXX {$3600.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$16000.00} XXXXXXXX XXXX XXXX BALANCED {$11000.00} XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXXXXXX XXXX XXXX XXXXXXXX BALANCED {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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 # ( private case number ) 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: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX HAS HAD MORE THAN 30 DAYS TO SUPPLY STATUS OF MY DISPUTE WHICH THERE ARE MULTIPLE ITEMS CONTAINED IN THE DISPUTE CONCENING EACH AND EVERY DEGATIVE ITEM REPORTED ON MY LAST CREDIT REPORT. AT THIS POINT EQUIFAX IS IMPAIRING MY ABILITY TO PROPERLY CORRECT MY CREDIT REPORT & CREDIT SCORE, THIS IS CAUSING ME FINANCIAL INJURY ; AND THEREFORE EQUIFAX 'S ACTIONS AND/OR LACK THEREOF IS ADVERSELY AFFECTING MY CREDIT SCORE ; MY PREVIOUS COMPLAINT TO THE CFPB WAS FORWARDED TO EQUIFAX AND ACCORDING EQUIFAX WAS ALLOWED ADDITIONAL TIME TO COMPLETE THEIR INVESTIGATION. NOW EQUIFAX IS STILL LAYING AND REFUSING TO COMPLETE THE INVESTIGATION SAYING I NEED TO FURNISH " INDENTIFICATION '' CONSISTING OF A PAY STUB AND/OR A W-2 FORM AND OR A VALID SOCIAL SECURITY CARD WHICH I DONT AGREE TO PROVIDE AS I DO NOT CONSENT TO EQUIFAX USING MY IDENTITY NOR MY CREDIT CARD ; THEN EQUIFAX WANTS MY CURRENT ADDRESS ON A DRIVER 'S LICENSE AND/OR A RENTAL AGREEMENT OR HOUSE DEED, OR PAY STUB WITH ADDRESS AND/OR UTILITY BILL, I DONT HAVE ANY OF THOSE. I'VE SENT EQUIFAX A COPY OF MY BANK STATEMENT AS PROOF OF ID AND ADDRESS THAT'S ALL I CAN AND/OR INTEND TO PROVIDE TO THEM. AS FAR AS I'M CONCERNED EQUIFAX HAVE HAD AMPLE TIME AND INFORMATION TO DO THEIR INVESTIGATION, FURTHER DELAYS IN DOING SO WILL NOT BE TOLERATED ; I DEMAND THAT SINCE THE INFORMATION OR LACK THERE OF IN EQUIFAX 'S RESULTS BE UTILIZED AS IS, AS EQUIFAX REFUSES TO VERIFY THE INFORMATION ON MY CREDIT REPORT AS 100 % ACCURATE, THEREFORE I ACCEPT THAT EQUIFAX HAS CERTIFIED THAT NONE OF THE INFORMATION ON MY CREDIT REPORT IS 100 % ACCURATE AS EQUIFAX HAS FAILED OR REFUSES TO INVESTIGATE. WHEREFORE I DEMAND THAT THE CFPB REMOVE ALL NEGATIVE CREDIT REPORTING FROM MY CREDIT FILE AND ADJUST MY CREDIT SCORE ACCORDINGLY AND DO SO WITHIN 3 BUSINESS DAYS OR 72 HOURS FROM NOW IN ACCORDS WITH TILA ; FAILURE TO PROCEED AS I DEMAND WILL GIVE RISE TO CAUSE OF ACTION FOR A CLAIM AT LAW AGAINST ALL RESPONSIBLE TORTFEASERS FOR DAMAGES.
Product: Credit reporting

I had a Tax Lien which was incorrectly placed when the XXXX sent tax payment money to the IRS as I had paid two years taxes ( a XXXX and a XXXX ) with the same check. They processed the XXXX return and then found they were short the money they sent to the IRS - go figure. 
I have had the tax lien released XX/XX/XXXX and notified Experian in both XX/XX/XXXX and XX/XX/XXXX. It is still on my credit report. Again, the credit dispute process is a joke. There are no penalties for the credit bureau putting erroneous information nor in simply ignoring disputes made through their website or by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX Balance Owed : {$63000.00} ; XXXX XXXX Balance Owed : {$9000.00} ; XXXX XXXX Balance Owed : {$2900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed that there are multiple errors when it comes to my personal information. And I need all of this fixed immediately. 

My only name is : XXXX XXXX XXXX My date of birth is : XX/XX/1984 My Social Security number is : XXXX My only address is : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX My only phone number is : ( XXXX ) XXXX Any personal information other than the information listed above is inaccurate, fraudulent, and I do not recognize it. Therefore, I want the personal information listed above to be the only personal information that appears on my credit report.
Product: Debt collection

In XX/XX/XXXX I did fill an application in an apartment complex called XXXX XXXX XXXX located in XXXX XXXX, Texas but they told me that this apartment is no longer available for renovation and that they will return my money back ( the {$150.00} application fee ) a month later XX/XX/XXXX got a mail from a company called ProCollect located in XXXX, Texas shows that my account with the XXXXXXXX XXXX XXXX has been referred to them for collection!! Amount due is {$180.00} and {$7.00} collection fee!! I did try to explain that theres a mistake and theyre not listening, I contacted the apartment complex to let them know they apologized and promised to fix that problem but they didnt and till nw this collectors company keep harassing me on daily basis and threatening me
Product: Checking or savings account

I purchased an item on XXXX from XXXX XXXX XXXX in XXXX Tenn using my Suntrust debit card ending in XXXX. 

The shipment took almost a month from XXXX Tenn to XXXX Ga and was defective when it arrived. I emailed the Manager at XXXX XXXX to return the item and was told he was not taking any emails or calls for a return. So I disputed the charge of {$86.00} on XXXX with Suntrust by sending in an Affidavit and uploading all the pictures of the defective item. 

Suntrust sends me a letter from a third party XXXX asking for more information on XX/XX/XXXX. So I call Suntrust to inquire about the third party getting involved as I never agreed to have a third party involved on my banking decisions. 

I also sent email to Suntrust today at XXXX with all the additional defective pictures of the item. 

I just want to get my {$86.00} back for a defective item which is what I thought my Bank would do with a disputed item that is identified and verified with an affidavit. There is no resolution from Suntrust as of today.
Product: Debt collection

I am writing to formally demand that Penn Credit Corporation immediately cease all forms of communication with me, as well as with any third parties regarding any alleged debt or account claimed to be associated with me. 

This complaint serves as a notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), to request that you cease all communication with me and with any third parties regarding this matter. This includes, but is not limited to, phone calls, letters, emails, or any other form of contact. 

Please be advised that any further contact from your company or its agentsother than as permitted under the FDCPAwill be considered a violation of federal law, and I reserve the right to take further legal action to protect my rights. 

Additionally, I request that you provide written confirmation that this request has been received and that all future communications will be halted as demanded. 

Thank you for your immediate attention to this matter. 

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

My complaint is against Experian reporting system as i have sent several certified letters showing proof that the account is not mine and the company doesn't even have this account. I have sent the actual letter from the company stating that the account is not mine and it should be deleted. But Experian keeps reporting this on my credit report, which really hurts my feelings since i pay {$32.00} a month for their credit fico score information. I feel as Experian doesn't take these matters seriously and for several months now they keep updating a account that doesn't exist. I have spent over {$50.00} in certified letters and spent hours and hours collecting this correct information to HELP Experian out by showing them proof! My next step will be small claims court, as i know that i can be awarded {$1000.00} for incorrect information and i will take my monthly Fico/credit checker business somewhere else where they treat customers with respect and listen to them. I am so exhausted from this disputing that it would be easy in small claims. Again the tracking information for these letters. USPS Certified Mail XXXX : XXXX delivered XX/XX/XXXX. What else do i need to do? I have shown PROOF with letters from these companies! Who is doing this verifying? It's obviously not correct!
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter and FTC report asking TransUnion, to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - TransUnion have 30 days to investigate and send me the results. 

Transunion did not record the current status of the disputed information which is another violation. 

I have all the evidence attach below.