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

I am writing to formally address my concerns regarding the improper investigation procedures conducted by ( XXXX, TransUnion, XXXX ) The methods employed have not been effective in helping me correct the ongoing issues on my credit record, which are significantly impacting my financial well-being. 

I have accounts from another state that are inaccurately reflected in my report, and despite my efforts to seek assistance, I have not received the help I need from the credit bureau. This lack of support and proper investigation is a clear violation of the Credit Reporting Act. 

I urge XXXX to reevaluate its investigation processes and provide the necessary assistance to rectify these inaccuracies promptly. The current situation is causing undue stress and hardship, and it is imperative that these issues are resolved without further delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

The statue allows for multiple reinvestigation. Following three accounts are not accurate and complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received notification from Experian that XXXX XXXX has placed a collections account on my credit report, which I never received written notice at my address of the alleged debt, and it didnt have the original creditor listed. 

On this day, I filed a dispute with Experian stating that I have no knowledge of this account and I never received written notice of the alleged debt before being placed on my credit report, which wouldve allowed me to dispute it with company. 

On XX/XX/XXXX, I received notification from Experian that the investigation has been completed and the account dispute has been updated. 

On this day, I contact Experian via phone and spoke with XXXX, a representative. I stated that I am requesting a Method of Verification for my dispute with XXXX XXXX XXXX as the investigation was completed quickly and the account states the balance was updated on XX/XX/XXXX and I wasnt notified of the alleged debt by Experian until XX/XX/XXXX. Unfortunately, I was told Experian doesnt provide this information. 

Then I informed her that I have a right to request a method of verification requesting hard evidence that goes back to the original creditor. Under the FCRA, the credit reporting agency is required to give consumers a method of verification within 15 days of the request. Failure to do so, is a violation of my consumer rights. 

Also, I noticed Experian has an address that is no longer my legal address and the representative refuse to make the necessary changes and put my current and legal address.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Trans Union Credit Company has combined me with another individual our socials are almost alike with similar names. I have been attempting to correct it since 2019, I have all documentation prooving my information. The other individual has bad credit I should have good. All of her bad debts show on my scores. I have contacted and disputed time and time again and proof. I have mailed correspondents and certified mail and have received no help. When I try to pull a report on me no information is provided. 
The other two major credit companies do not show what Transunion shows, for the other two it shows my credit score representing these issues from trans union but does not show the mixed social sec. numbers. so this is strictly related to Trans Union information. 

Please help, I do not know what else to do as I can never get a live person that understands or will speak to me. I've attempted since 2019 to straighten this matter up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX To Whom It May Concern : I wish to dispute the late payment status on my XXXX  Accounts. 

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. Under 15 USC 1681 section 604A section 2 states consumer reporting agency cant furnish an account without my written instructions.

The United States Code Law 15 U.S. Code 1666b. Timing of Payments- A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Delete late payment status immediately or Please validate all late payment status within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Elan Financial Services are reporting that I was late on payments 30 days or more when the investigation shows that for the month of XXXX I did not even have balance nor did I owe for a balance and dates that it says that I was not late for making a payment it shows that XXXX dollars were paid for that month and it doesnt add up. It also shows that I was late for the month XXXX for 60 days but it shows that I made a payment on XX/XX/XXXX for {$200.00}. Other months like XXXX and XXXX show a {$0.00} payment but I was not late. The information that was provided to me is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

I submitted a dispute with Equifax on XX/XX/2020 about a collection placed on my credit that does not belong to me. On XX/XX/2020 Equifax came back stating the debt was accurate without even completing a thorough investigation. Equifax has repeatedly violated consumer rights by not completing proper dispute investigations which ultimately impacts the consumer in a negative way. There has been no prior notification of this debt and I am positive I have never been treated at this emergency room. This complaint will act as a formal NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 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. I have just settled a debt that Equifax continued to report inaccurately on my credit and I dont mind filing a lawsuit again for violating my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Theyre are several mishaps on my credit report that I did not give written consent to furnish my information or to obtain my information and according to the law 15 U.S.C 1681 there should not be any damages on my report its a defamation of my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Product: Debt or credit management

I have been working with a credit repair team, Credit Glory and they promised to have all inaccurate reportings removed within 30 days and it has been 7 months with no removals.
Product: Credit reporting or other personal consumer reports

I requested that XXXX remove the delinquency report from my credit report because my account is current and is not to show 30,60, or 90 days delinquent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX **Inquries** All of these inquries have been totally illegal and was not authorized on my part. I just hired a credit specialist to work on my credit and I need to have all of these removed as soon as possible. All these inquiries were from car dealers and I have never applied to anyone of these dealersXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XX/XX/XXXX I had four unauthorized transactions from my paypal account from Remitly Bank. I filed a dispute with XXXX. It was denied it took me two weeks to get the business name from XXXX  they said they didn't have their phone number I found it and contacted them found out it was a bank. They verified i didn't have an account and there wasn't a record of any transactions from my XXXX  account. I called XXXX back told them this information. They told me I had to call the bank back and have them send something in writing to verify this.The bank told me XXXX  has to contact them. I called XXXX the reopened the dispute I mentioned I was told they didn't have the phone number and tried to give it to them. They now said they had it it would take eight business days for a response. It's been twelve business days I haven't heard anything. I didn't call XXXX  back becouse it's aggervating everyone says something different and runs me in circles. If it was XXXX or less i would drop it, but there's two transactions for XXXX, and two for XXXX
Product: Mortgage

AmeriSave Mortgage Corporation has acted in bad faith. 
At the beginning of my request for a refinancing, I asked whether AmeriSave would make a loan for a property held in trust. The answer was " yes ''. 

After my submission of approximately XXXX pages of documentation and payment of a {$570.00} fee, AmeriSave refused to close the loan unless I took the loan out of the trust. ( It should be noted that a copy of the trust was submitted very early on in the process. ) AmeriSave gives as a reason for refusal the fact that although the property is now held in trust as indicated in the title, the title lists only me as trustee whereas the trust also has my wife as a trustee. The said they would close the loan only if I took the property out of trust. AmeriSave 's bad faith reasoning is bogus, as can be demonstrated by the following : 1. A major bank refinanced this property several years ago with the exact same documentation and found no problem. The instrument used was the a standard XXXX document. 
2. Based on a suggestion by an attorney, I offered - at my expense - to have the second trustee put on the title. This would have cured the problem cited by AmeriSave, but they still refused to close the loan. 

I should point out that my reasons for not taking the property out of trust are two-fold. First, added expense. Second, mortgage notes prohibit the change of title without lender approval so I could not put the property back into the trust without AmeriSave approval. Based on their past performance, I can not take a chance that they would not permit my putting the property back into the trust. 
Summing up : AmeriSave has acted capriciously and in bad faith. Their condition for closing the loan is not according to early assurances and, furthermore, is unreasonable based on previous history by another lender as well as the refusal to agree to a simple approach suggested by my attorney which, cures the problem they cite.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agency is listing multiple fraudulent companies that do not exist as my employer. This has caused multiple issues for me regarding background checks and credit inquiries. I have never worked for any of the employers listed in my file. Nor has the credit bereau been able to produce supporting documentation that they have verified the documentation of anyone who has added these false employers to my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this inquiries, i never applied for this companies. I believe, that somebody used my personal information and applied for it.
Product: Credit reporting 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 USC 1681. 
XXXX XXXX, Account name : # XXXX, has violated my rights. This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active, balance, No. of months, date last reported, and date of last payment are not accurate. Delete Account immediately from my credit report for violation of 15 USC 1681e ( b ). 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Debt collection

XXXX XXXX finished my policy and they still attempted to collect without notice XXXX XXXX has 2 collection agencies after i closed the account and never had a contract with them
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability a multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this account from my credit report as it is fraudulent and not associated with me. I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019, I was performing my annual credit check. On my report, I found several errors, with a majority of them coming from a student loan servicer XXXX. XXXX apparently at some point, awarded the debt to XXXX  XXXX XXXX, while never including me as part of the transition. In XXXX of 2019, I requested that XXXX XXXX XXXX forward me any documentation or contract with my signature on it, affirming my relationship with that bank. I received a letter back from XXXX  XXXX, informing me that they had no record of the account numbers that were associated with their name on my credit report. Without documentation by XXXX XXXX  that I had a relationship with them, it is the opinion of not only myself, but of my legal team that any negative tradeline involving XXXX should be PERMANENTLY deleted from my credit report. 

Again, I am simply asking that XXXX  or XXXX XXXX  provide any proof that I had a relationship with XXXX XXXX. Without proof of this, XXXX XXXX XXXX continued presence on my credit report is a violation of the Fair Credit Reporting Act. Without prompt action, I will be seeking legal remedy by the courts in the coming months. 

P.S. I have linked both the dispute letter, and the letter from XXXX XXXX  below.