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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Immediate Request for Account Deletion Due to Identity Theft Under FCRA and Relevant U.S. Code Dear TransUnion Consumer Solutions, I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found an account with XXXX XXXX that was fraudulently opened in my name due to identity theft. 

* Account Name : XXXX XXXX * Account Number : XXXX * Date Opened : XX/XX/XXXX * I did not open this account, and I am not responsible for any charges or payment history associated with it. This fraudulent account has resulted in negative information on my credit report, including late payments, which I request be removed immediately. 

Under 15 U.S. Code 1666 ( b ), consumers have the right to dispute billing errors, including unauthorized charges.

Additionally, 15 U.S. Code 1637 ( a ) requires that creditors provide clear statements of account opening, which I did not receive or authorize. These protections, in conjunction with the FCRA, support my right to dispute and have deleted any fraudulent or inaccurate account information. 

Enclosed are the following documents to verify my identity and support my dispute : Enclosed are the following documents to verify my identity and support my dispute : 1. A copy of my government-issued ID.

2. A copy of a recent utility bill ( to verify my address ).

3. A copy of my FTC Identity Theft Report, reference number [ FTC report number if available ].

Under the FCRA, you are required to investigate this matter and respond within 30 days. I urge you to prioritize this case and confirm the immediate deletion of this account. 

Thank you for your prompt attention to this urgent matter. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have removed this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

there was a 1099-c form file cancelation of debt, so this should no longer show as debt on my credit report
Product: Debt collection

I reviewed my credit report and noticed a medical debt from Medical Data Systems INC. I reached out to them to inquire about the debt and they sent me some paperwork in which it violated my hippa rights. They had personal information showing my procedures and medications. I never signed a hippa form to release this information.
Product: Credit card or prepaid card

As part of the XXXX XXXX XXXX XXXX Credit Card program, if you spend {$1200.00} in a calendar year, you are eligible for Platinum rewards in a tiered based reward system. I spent ( consciously ) to the {$1200.00} threshold within the calendar year, but was not rewarded with Platinum status. 

I called the customer service department in XXXX after receiving my XXXX statement which did not reflect the Platinum status I earned. The customer service rep said she would open a case and get back to me. I have not heard back, and as of XX/XX/XXXX my rewards status has not been updated. 

I have statements which prove I met the spend threshold in XXXX, and I would like to be upgraded as required per advertising. Otherwise, this is a XXXX violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$320.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}.
Product: Debt collection

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 theFederal Credit 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 ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to the XXXX, XXXX, and TransUnion on XX/XX/2021 and I have not received any results. I'm not expecting them to respond in 30 days but it's been 3 months. I need to get answers and responses from the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX;XXXXXXXX XXXX;XXXX XXXX;XXXX XXXX XXXX;XXXX XXXX XXXX;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

My information was sold and bought illegally because l was a victim of the Equifax data breach. I have phone them several times and nothing has been done. I have received no settlement whatsoever even though I have sent multiple claims. They all have gone unanswered. I want all the fraudulent items Deleted from my credit reports effective immediately. I attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. My credit was XXXX before I went into the hospital for a year when I came out its now XXXX this is unfair unjust and unethical. Especially since Ive already informed them and they in fact told me that I was a part of the breach. I shouldnt have to go through so many hoops for them to rectify there mistakes. Especially after serving my country. I really need this remedied and would like to know what happened to my settlement.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain information regarding the account XXXX XXXX XXXX XX/XX/year> as reported on my credit report. I have identified that these entries may not comply with the Fair Credit Reporting Act ( FCRA ) requirements, specifically Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). 
According to Section 605B of the FCRA, any information that is inaccurate or incomplete must be promptly corrected or deleted. I have reason to believe that the negative history reported for my student loans does not accurately reflect my payment history and should be investigated.

Additionally, under Section 615 ( f ), I am entitled to request that the information related to these loans be verified or deleted if the creditor is unable to provide sufficient evidence of its accuracy. Furthermore, Section 623 ( a ) ( 6 ) requires that furnishers of information conduct a reasonable investigation when a dispute is raised.

I kindly request that you investigate this matter and provide me with a written response, detailing your findings. Should you find that the information can not be verified, I expect it to be removed from my credit report in accordance with the FCRA.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

SSN : XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is XXXX XXXX, accounting XXXX, as reported by XXXX XXXX XXXX. 

This delinquent account record is inaccurate because there was an error through the payment system for XXXX XXXX, my account was on auto pay. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent. 

I unfortunately have no record but the agent i spoke to on the phone told me that they will report to XXXX, XXXX, and Equifax that this account was never late. 

The late was for a membership fee and not any past debt as you can see my account was always paid on time and always current. 

Please investigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Remove these inquiries, please. I'm unaware of them, and the company proceeded without consulting me.
Product: Debt collection

I sent a certified dispute letter to lvnv funding on XX/XX/XXXX they received it on XX/XX/XXXX but are saying they didnt get it.. I have proof they did! I am sending one last estoppel of silence letter and Im sueing!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently disputed on my old XXXX XXXX XXXX account on XX/XX/2020 XX/XX/2020 and XX/XX/2020 and the account has not been proven to be accurately verified on all three of my credit report 's from XXXX XXXX and Equifax. This account is asking for {$280.00} but wont show proof of the account being accuarte after I've constantly have been attempting to receive accurate information.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

A late payment previously reflected on my Experian credit report in XXXX and an investigation in XXXX removed the incorrect late payment. 

On XX/XX/XXXX the late payment was added back to my credit report. I have spoken with the furnisher and they have confirmed there is no late payment for the closed account. Experian will not allow me to dispute this because it was previously investigated ( and they had to correct it ) in XXXX.
Product: Vehicle loan or lease

My checking account was closed due to Fraud. I had to reopen another checking account. My payment was going to be late. I logged onto the Wells Fargo website to make my payment. They will not allow a checking account to be added. They have to send out small deposits to verify because it is a NON-Wells account. I could not make the payment. They get to charge me additional interest and a late fee now. Then they finally did the deposition XXXX. I went online to verify it to add my account. Again, it failed. I called into the Wells and told them they were making adding accounts difficult intentionally to collect late fees and charges. They said they would make a payment for me but NOT add my account. 

This is a scam by their company to charge consumers late fees and make it hard for them to make a payment. The CFPB should be protecting us against this company. They are taking advantage of this and making it so people can not make their payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts several times that have affected my credit and they do not give me an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my credit report and noticed I had inaccurate items reporting. I created a letter to request the validity of the accounts. I mailed letters on XX/XX/21 without a response. I really would like help in this matter. The misleading information is causing me financial stress.
Product: Credit reporting or other personal consumer reports

XX/XX/year>2024 Subject : Formal Complaint Against Equifax for Failure to Correct Inaccurate Late Payment Reporting. 
To Whom It May Concern : I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction ( letters dated XX/XX/year>2024 ), my requests have been ignored. This lack of response constitutes a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The continued reporting of incorrect late payments on my account is a breach of this legal obligation. Furthermore, according to 15 U.S. Code 1666b, creditors are mandated to send periodic statements at least XXXX  days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The persistent misreporting of late payments on my account has caused undue harm to my creditworthiness, a direct consequence of TILA 's protective intention. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act highlights the responsibility of creditors to provide timely statements, thus preventing unfair penalties to consumers. The inaccurate late payment reporting on this account violates this consumer protection, impacting my financial standing unjustly. 
Payment History and Errors Equifax shows an inaccurate XXXX-day late entry in XXXX, which I have previously disputed.

Lack of Resolution Since Previous Dispute I have submitted multiple disputes regarding these inaccuracies, yet there has been no corrective action taken by Equifax. This persistent inaction has continued to harm my credit standing and is a violation of both my consumer rights and the relevant federal statutes. 
Desired Resolution Immediate Removal : I am formally requesting the immediate removal of the inaccurate late payment notation from my credit report. 
Written Confirmation : Please provide written confirmation of this correction. 
If this matter is not resolved promptly, I will consider escalating my complaint, including potential legal action and further complaints with appropriate regulatory agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX/XXXX/2024
Product: Credit reporting

On XXXX/XXXX/XXXX I received my XXXX bureaus credit report from XXXX and the federal tax lien had been deleted from equifax ( the other bureaus had previously deleted the federal tax lien showing on my credit report in response to my dispute. Equifax had deemed the account as verified and refused to remove it so I responded with another letter disputing the validity of the tax lien, stating that I am requesting proof that the XXXX validated this tax lien because I have in a letter from the court that they do not report to any credit reporting agency. ). The lien was removed from my equifax credit report on XXXX/XXXX/XXXX and reinserted on XXXX/XXXX/XXXX. I never received notification of the reinsertion. This is in direct violation of the FCRA Section 611 Part A ( 5 ) ( B ) ( ii ). Equifax never notified me of the reinsertion and furthermore this lien does not belong to me and I have spoken with the XXXX and they do not report to any credit reporting agency.
Product: Checking or savings account

I was debited {$1000.00} for an ATM withdrawal that I did not make on XX/XX/23 at a Chase bank ATM in XXXX, Illinois. The bank closed my claim without providing any proof that I did not perform the transaction. I filed a police report on XX/XX/23 ; report # SCP XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see there are 12 student loans on my credit report with all 3 credit bureaus Transunion, XXXX, and XXXX server of the loans XXXX. I only hold 6 discharged loans all with XXXX in which I have a contacted XXXX and all 3 credit bureaus filing disputes about the loans for several months they say they are accurate and they arent as I said I hold 6 loans with XXXX from from XXXX, and XXXX all discharged in XXXX then so how they say the loans went into default how when they were discharged in XXXX then in XXXX they reinstated the original 6 loans from XXXX and put them on my credit as new loans in XXXX as if I have 12 loans though all 12 loans have XXXX balance I dont hold 12 loans I only hold 6 I have asked XXXX to remove the duplicate loans from all 3 bureaus over the past couple of months they refuse and I also dispute with all 3 credit bureaus and sent my letter from XXXX I only hold 6 loans
Product: Debt collection

I requested debt validation over 30 days ago with no response from Mechants Credit Guide. They have reported this item to my credit report and I believe its not valid
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX XXXX XXXX, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution processe was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

We were approved for a loan modification, but our XX/XX/XXXX statement does not reflect the terms of the loan modification. Statement amount shows a payment due of {$240000.00}, but according to the loan modification XXXX payment due is {$3200.00}. We mailed the loan modification agreement and emailed the documents to our relationship manager on XX/XX/XXXX, but Ocwen sent another set of loan modification documents to our home address on XX/XX/XXXX and requested to have the documents sent back by XX/XX/XXXX. I am unsure why the second set of documents were mailed out.
Product: Credit reporting or other personal consumer reports

Experian refuses to acknowledge _ _ _ _ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After my initial request asking them to change this listing from SINGLE FAMILY RESIDENCE, as it is currently listed ( before and after my request ). I sent them the direct XXXX map address for this XXXX address, and nothing has changed. 
I have had to go round and round with multiple agencies to Insist that _ _ _ XXXX XXXX is an address for XXXX XXXX and NOT a residence. 

NO ONE LIVES THERE. 

It has caused inordinate stress on my part qualifying for SOCIAL SECURITY, Supplemental Security Income, XXXX, XXXX, XXXX XXXX, et al. 

THIS IS UNFAIR AND UNDUE!
Product: Payday loan, title loan, personal loan, or advance loan

I have taken XXXX XXXX XXXX' payday advance charges with Stride Bank/XXXX until XX/XX/year>2024, on XX/XX/scrub> 2024, I filed a XXXX. XXXX Bankruptcy in the District of Kansas Case Number XXXX. When I contacted XXXXStride Bank to advise them these charges needed to be discharged they advised they are exempt from federal laws and that I had to pay the money back.
Product: Debt collection

I went to change internet providers from XXXX to XXXX. I was told that the installation of the equipment was not to be charged to me, that it was free. When the employee arrived at my apartment he noticed that the infrastructure of the apartments was n't prepared to host the XXXX service. I was n't home when he arrived, so he started working on preparing the apartment 's infrastructure to be able to host the XXXX service for my apartment without my consent. I asked him if it would cost me something and he said " no ''. After the bill arrived I saw that the charges were for installation, service and equipment. When tha XXXX provider also told me that the equipment was not to be charged. I have talked with XXXX and they say that I have the equipment, I do n't. When I got the bill I went running back to the store to cancel the service and return everything. All of this happened somewhere early 2015.
Product: Vehicle loan or lease

I was impacted by XXXX and couldnt pay my car loan payment. The car was repossessed and auctioned. I was told that the amount the car was sold for at auction would be applied to the balance I owed but that didnt happen. The account went to collections for {$4000.00} more than what the original price of the car. Also, I had gap insurance that paid the loan company in addition to the money gained through them auctioning the car.