23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

TransUnion has wrong date of birth. I try to dispute my " Personal Information '', on their website, the best I could : there was no way to specify, which specific info I was disputing. The " resolution '' of my dispute, just as I expected did not corrected my record. I call them. I was told that I have to submit this " correction '' in writing and provide XXXX documents verifying my correct DOB. I asked how did TU obtained DOB on their record. I was told it came as a report from one of my creditors. I ask which of my creditors provided TU with that date. I was refused. I discontinue conversation. On the previous reports from TU my DOB was correct. On reports from XXXX other agencies, my DOB is correct. These fact lead me to believe that TU is at fault. They concocted this falls data, and now refuse to correct my record. I am urging you to use your power to severely punish TU and make them correct my record.
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 accounts 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 accounts 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 which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$11000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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: Credit reporting or other personal consumer reports

My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b.They are thereby reporting fradulent erroenous information.15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C .1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions This is a billing error that needs to be corrected in accordance to 15 U.S.C 1666B which states A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments
Product: Credit reporting or other personal consumer reports

I have contacted the companies responsible for these inquiries but have not received satisfactory resolutions. I am now seeking the removal of these inquiries from my credit report as they negatively impact my credit score and were made without my consent.
Product: Debt collection

The Radius Global Solutions debt collecting company sent XXXX years later, all three Credit Bureaus a negative/derogatory comment stating I did not pay the rental company, XXXX XXXX XXXXXXXX. This is in error and fraud. When I rented from XXXX XXXX XXXX  while on Government business, I paid them on 18 Oct 22 for the rental. I and my bank have proof ( cleared bank transaction and statement ) that I paid for the expense. 

The XXXXXXXX XXXX XXXX company is a scam. The car rental company scammed me via calling me XXXX days after I turned in the car, stating I did not turn in the car according to my contract ( I did. I turned it in on time/earlier at XXXX that morning so I could take my XXXX XXXX flight home. The assistant took the car and key, scanned it and we walked away to go into the airport ). On the call I told them I turned in the car and what happened, but they went on and charged my credit card {$1200.00} dollars for not turning in the car, they also said the car was dirty and smelled of cigarette smoke, etc. I was highly upset..this was wrong. I had to work with my bank to freeze my account for other changes ; I called several XXXX XXXX XXXX offices to include the XXXX XXXX, the XXXX XXXX XXXX HQ overseas and US offices, etc. ; report the XXXX office to them and FINALLY someone at the XXXXXXXX XXXX XXXX office in XXXX, heard and believed me. She then looked at my account and took the charges off. My bank worked with me to clear things up and then froze me account. All of this was RESOLVED/CLOSED/closed in XX/XX/XXXX. I will not rent from XXXXXXXX XXXX XXXX ever again and I warn everyone not too. Just now, XXXX, XXXX years later, Radius Global Solutions hit my credit report with this derogatory comment stating I owe {$110.00} to XXXX XXXX XXXX ... I paid them back in XX/XX/XXXX. They are trying to get money I've already paid and hurting my credit if I don't pay it again. This is wrong. I believe this company, Radius Global Solutions is a scam too ( see their address is actually a " XXXX XXXX XXXX '' at XXXX XXXX XXXX, XXXX ). I need to report them and have them leave me alone. They are harming me and I'm sure others.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00}
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports, I was surprised to discover that late payments were reported for an account in which I have never been late. As outlined by the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain the accuracy and integrity of the information they report. My payment history for the account XXXX XXXXXXXX, account number XXXX, has always been timely and without issues. 

I want to make it clear that I am not requesting the removal of the account. My request is that all of my payments be updated to reflect the on-time payments I have made. Therefore, I am formally requesting an investigation into this matter and that documented proof, including payment records, be provided to support these reported late payments. If such proof can not be provided, I demand that these erroneous entries be corrected to reflect the accurate payment history. It is crucial that this matter be resolved promptly to ensure the accuracy of my credit profile, as is my right under the FCRA. Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous complain regarding my credit report information that is questionable. I would like to dispute certain accounts in my file which I believe is possibly an Identity theft. 
XXXX XXXX XXXX XXXX XXXX Balance {$5100.00} ; XXXX XXXX  XXXX XXXX XXXX Balance {$3100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX  - a credit reporting company for real estate loans example - XXXX credit reporting agency show that i have a credit score of XXXX. XXXX is showing that i have a credit score of XXXX  through XXXX.

the information shown on XXXX  is simply wrong. There lack of updated information is causing me NOT to be able to get a real estate loan i can afford.
Product: Credit reporting or other personal consumer reports

I feel as if my credit report was a part of a XX/XX/year> XXXX XXXX as reported by the national media. I wrote each credit agencyXXXX, XXXX, and Experian to look into the matter at hand but no response. The entire credit report information was exposed.
Product: Debt collection

I received a letter from the " Shermeta Law Group '' stating that they were attempting to collect an auto loan debt for " XXXX XXXX XXXX '' in the amount of {$10000.00}. 
On XX/XX/XXXX, I called Shermeta Law Group and informed them that I had filed for bankruptcy and received a discharge in XX/XX/XXXX. Shermeta Law asked if I had included their client " XXXX XXXX '' on my bankruptcy petition. I stated that I had not because " Auto Vest '' was not listed on any of the credit reports that I received from the 3 credit bureaus. 
Shermeta Law stated that because the XXXX XXXX loan was not listed in the petition, I was still obligated for the debt. I then asked how old this debt was and Shermeta stated it was XXXX. I informed them that Michigan 's Statute of Limitations had expired. 
Shermeta Law stated this debt was not subject to the statute of limitations because they had filed a lawsuit and received a default judgment in XXXX and the judgment was renewed in XXXX. I informed Shermeta Law that I had never been served with any lawsuit or judgment renewal. Shermeta Law stated that the Clerk of the Court was responsible for notifying me of these pleadings. 
I told Shermeta Law that they were wrong because the Michigan Court Rules mandated that it is the attorney, not the clerk of the court, who is supposed to serve the opposing party ( i.e., myself ) with paperwork. Shermeta Law then changed their statement, now saying that they did serve me with the lawsuit and the renewal. I stated that I never received anything and asked how could it be that I was receiving their letter about owing the debt, but I hadn't received anything about a lawsuit or judgment renewal. Shermeta Law stated that they did send all the paperwork to me and if I wanted to " claim '' that I didn't receive it, I was free to do so.

When I told Shermeta Law that I would be taking legal action under the Fair Debt Collections Act, they stated that they didn't own this debt and were only collecting on behalf of Auto Vest.

I recorded this phone call.
Product: Credit card

I applied for a credit card with destiny Mastercard, after I submitted my application online, they requested me send in a copy of my license, social security card, and two forms of mail for proof of residency. That may be legal, but its unethical, and very dangerous to send out copies of my identity like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX  : {$3400.00} ; XXXX XXXX XXXX XXXX {$5400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions # XXXX
Product: Credit reporting or other personal consumer reports

I am experiencing discrepancies in the reporting of my student loan accounts across different credit bureaus. 

XXXX XXXX XXXX - XXXX accounts XXXX XXXX. XXXX : Reports my student loan payments from [ XX/XX/XXXX ] to [ XX/XX/XXXX ] with no late payments listed. 
2. Equifax and XXXX : Show the same student loan accounts with late payments reported for the period from [ XX/XX/XXXX ] to [ XX/XX/XXXX ]. The discrepancies involve late payments reported in the period from [ XX/XX/XXXX ] to [ XX/XX/XXXX ] The dates are inconsistent between the reports from Equifax and XXXX compared to XXXX. 

*See Attached
Product: Credit reporting or other personal consumer reports

Account # XXXX with XXXX XXXX are fraudulent charges and I never signed contract and they do not have a right to collect. They have no proof or validation of me signing contracts or any medical waivers by letting them under the HIPAA act as well. They keep reporting to the credit bureaus that I owe which in fact I do not owe and should not be on my credit report. This account is fraud and any one reports this is also committing fraud as well. I request this account to be reinvestigated and it was not. I have talked to attorneys and now this has become a big law suite . Please remove this account permanently or you will have have a law suit. I will also file a complaint with the US attorneys and State attorneys office. I will also file a compliant with Senator XXXX XXXX XXXX office as well Congressman XXXX XXXX XXXX. Attorney that I might go with if this is not removed permanently XXXX XXXX XXXX XXXX XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling this bankruptcy account for awhile now. XXXX and XXXX already removed this bankruptcy from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a permissible purpose letter to credit bureau and its been longer than 30 days and They still havent removed the account off my credit report
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX for failing to remove fraudulent accounts from my credit report, despite being advised that these accounts are the result of identity theft. This failure violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The accounts are listed below XXXX XXXX XXXX As required by the FCRA, XXXX is obligated to conduct a reasonable investigation when a consumer disputes information on their credit report. However, they have failed to do so in this instance, continuing to report accounts that are fraudulent. In addition, under the FDCPA, I have the right to request verification of the debt, which XXXX has not provided in a timely or adequate manner. 

To resolve this issue, I am formally requesting that XXXX provide, within 15 days, the following : XXXX. The name of the person spoken to regarding this matter. 
XXXX. All documentation used during the investigation. 
XXXX. A copy of any signed application with a wet signature associated with these fraudulent accounts. 

I want to be clear that I am not requesting an XXXX  or automated response. If XXXX can not provide this documentation, these items must be immediately removed from my credit report, as they are in violation of both the FCRA ( 15 U.S.C. 1681i ) and FDCPA ( 15 U.S.C. 1692g ).

Failure to comply will result in further legal action to protect my rights as a consumer. I appreciate your prompt attention to this matter and look forward to a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is currently reporting outdated personal identifiers on my credit report. I requested an update in XX/XX/2021 and they have yet to respond. 

Experian is reporting the following accounts incorrectly : XXXX XXXX XXXX  # XXXX - ACCOUNT STATUS OPEN This account is listed as being 60 days late XX/XX/2021. Please verify that this account was indeed late as you report, or I demand that you delete all late payments from the account. 

XXXX XXXX XXXX  # XXXX - ACCOUNT STATUS CLOSED This account is listed as being 30 days late XX/XX/2021. I demand that you delete all late payments from the account. 

Experian is currently reporting two medical collections on my report that need to be removed. XXXX. XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

had insurance policy with the XXXX XXXX last year, policy was cancelled by said group, due to late payment incurred through using personal financial institution payment option. informed, said group of such action, which response was that there were no options available, other that the policy would be cancelled. this then was progressed into an attachment to my personal consumer credit report as a debt collection, list as non-payment of a remaining balance for a product i would not have the access to use, once this was settled. that is ludicrous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting the accuracy of my XXXX student loans that have been out of default sine last year of XXXX XXXX where i did a rehabilitation program with XXXX and all of my loans have been out of default and paid as agreed with a XXXX balance as i have also consolidated all of the XXXX loans into XXXX loan! I sent a email to the XXXX of XXXX and got a email back from XXXX of his workers! XXXX XXXX! she informed me that i did in fact have them as my servicer as the original bank XXXX sold it to them back in XXXX! Now in XXXX i had lost my job and apartment so I never received the mail and or the welcome letter that XXXX stated that they infect sent out! Well today she emailed me a letter saying they could not removed the payment status of XXXX past due as that event happened before i rehabbed my loans although XXXX the XXXX bank has done so once i completed my program, but yet XXXX XXXX is saying they can NOT! In the welcome letter that XXXX XXXX sent me it Clearly states that XXXX sold them only XXXX of the XXXX loans! Which i still never received that letter, she emailed it to me today to show they had a letter but there was no proof to show it was actually mailed out but i would not have gotten it as I was not living at that address. It shows that these loans are supposed to fall of my report next year XXXX! but these XXXX accounts that are not even theirs are showing 120 days past due is making it hard for me to get a home. I sent a goodwill letter and have had no luck! But with the information I have they only brought XXXX of the XXXX loans.
Product: Debt collection

Attorneys XXXX, XXXX, and XXXX, in behalf of PORTFOLIO RECOVERY ASSOCIATES, made a false statement that I had been properly notified about a court action regarding a debt they claimed I owed. ( It stemmed from a XXXX XXXX for my granddaughter, XXXX XXXX ; they claimed that I co-signed. I did not. ) They said I had been properly served. I had not. Since I had not been notified, I did not appear in my own defense, so thy won a judgment. ( XX/XX/XXXX ) and placed a lien on my property without my knowledge. They did not notify me in any manner. I did not fin out about it until I applied for a property loan in XX/XX/XXXX. Part of the troublesome path I have been through is that PORTFOLIO and two law firms : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX, and XXXX who represented PORTFOLIO at various times stall and waste time blaming each other. I first filed this complaint against XXXX XXXX, XXXX XXXX XXXX because your question asks who notified me of this debt. They responded to you acknowledging my situation but said it was the fault of XXXX, XXXX, and XXXX. So I filed against XXXX, XXXX and XXXX. They responded to you acknowledging my situation but said it was the fault of PORTFOLIO RECOVERY ASSOCIATES. So I am now filing a complaint against PORTFOLIO. 
I got a lawyerin XX/XX/XXXX, who won for me ( Order Vacating, Voiding, and Holding for Naught Judgement Lien that has been filed with Registrar of Deeds. Also a judgement for lawyers fees. I can not afford to purue collection. Now a lawyer tells me there is a two/three year statute of limitations to sue them. I can't collect the judgement because the cost is prohibitive. 
XXXX, XXXX, and XXXX won in court without proper serving. ( They said I had been served by leaving information with my granddaughter, XXXX XXXX, at her house in which I had never lived. 
They filed a lien for {$7100.00}. The Court has awarded me {$1900.00} by order of XXXX County judge, XXXX XXXX. I have suffered other financial damages because of being denied a loan from my bank. I have suffered other damage because of the time and stress in trying to deal with this series of events. I have documentation for all these activities, but I do not know how to attach them It is all on hard copy because my computer blew and the electronic file went with it! The company ( at least their lawyers ) has received all the material either from me or my lawyer. I have 43 pages of documentation, if the company wants to see any of it, I can mail hard copies to them..