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

I am writing to formally dispute and request corrections for inaccurate information on my Experian credit report, which I first brought to Experian 's attention on XX/XX/XXXX. Despite my initial contact, Experian has not responded to my dispute. I kindly request your assistance in resolving this matter. The following are the details of the inaccurate information and the necessary corrections : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Credit Limit : {$300.00} Issue : The following account was never late. Please correct/update this inaccurate information on my credit report. 

Account : XXXX XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} Issue : The following account was never late. Please correct/update this inaccurate information on my credit report. 

Account : XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$750.00} Issue : The following account is not mine. Please remove it from my credit report. 

Account : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Credit Limit : {$2000.00} Issue : The following account is not mine. Please remove it from my credit report. 

Account : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$800.00} Issue : The account must be reviewed by you. I recall the company that is the actual original creditor on the current account is XXXX XXXX XXXX XXXX XXXX, but I do not know of XXXX XXXX. The Balance of {$800.00} that you state for this account is higher than the amount that I remember. As a consequence of the aforementioned inaccuracies, I dispute the entire account and request to have the following dates verified by your agency : the Date Opened and the Date of First Delinquency. 

Account : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} Issue : The information presented on this account is imprecise. I only know of the original creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; the collection agency you reported is unknown to me. I do not agree with the Balance of {$5600.00}, as it is higher than the amount I remember. For these reasons, I dispute the entire account and ask that you verify the following dates on this account : Date Opened, Date of First Delinquency, Date of Status, and First Reported. 

Account : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1700.00} Issue : Because of incorrectly reported data, I require that your bureau verifies this account. I am unsure of the accuracy of the Balance of {$1700.00} that you report for this account because I don't recall owing such a high amount. Your agency presented this account as closed and charged-off, so the Past Due amount is not supposed to be provided for this account. I am going to clarify this matter with the creditor. In the meantime, I ask you to mark this account as disputed to prevent further negative impacts on my credit score. Additionally, I request you to verify the Date Opened, Date of Status, and First Reported for this account.
Product: Credit reporting or other personal consumer reports

I was XXXX from XXXX till XXXX in the XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Credit Card was opened in my name. The first on was opened on XXXX of XXXX and the second account was opened on XXXX of XXXX, and the XXXX  XXXX card was opened on XXXX of XXXX .. Once I was released, I got a copy of my credit report and I notified XXXX and XXXX XXXX about these accounts and I also notified all 3 credit bureaus about this and they removed them from my report. Then they were put back on my credit report because XXXX and XXXX XXXX said that they were my accounts but I never opened them. I was incarcerated. I sent proof to them and to the credit bureaus. XXXX and XXXX XXXX still maintains that they are my account and they are not. Apparently someone was making payments on these accounts from an account that I never opened. I am angry that they would allow someone to do this to me. I never authorized this nor gave anyone permission to do so. The mail was taken from my mothers mailbox. Her box is out in the open for anyone to grab mail from.
Product: Debt collection

On the XXXX of XXXX at XXXX XXXX I, XXXX XXXX, called Pro-Collect to discuss a debt owed to XXXX XXXX XXXX that was sold to a collection agency, I never lived at the Residence and attempted to cancel the lease numerous times to no avail I spoke with someone and they told me to email Mr. XXXX. On XX/XX/XXXX I sent an email to XXXX @ procollect to contact me. At XXXX XXXX  on XX/XX/XXXX, I spoke with his associate Ms. XXXX, I placed Ms. XXXX on speaker so that my sister, XXXX XXXX could also partake in the conversation. Ms. XXXX then stated that she only would speak with me if she was taken off speaker or she could not speak with me at all. Ms. XXXX also said that the conversation would be recorded. After taking Ms. XXXX off speaker she asked " How much could I pay on the account. I, XXXX XXXX, stated that I could pay 40 % of the amount owed. Ms. XXXX then said she would have to speak with Mr. XXXX to seek approval for that amount which would be {$5100.00} and that she would call me back. At XXXX XXXX, Ms. XXXX called me back and stated that XXXX XXXX accepted the offer. I, then asked Ms. XXXX for written documentation to confirm our verbal agreement. I also posed the question of when the debt would be taken off of XXXX XXXX and XXXX XXXX Credit report. Ms. XXXX said to send a certified check or money order via overnight express and to call her with a tracking number. Then Ms. XXXX would send a letter that would take 2-3 business days that the account was paid in full. On the XX/XX/XXXX, Notification to the three credit bureaus would be sent out. Ms. XXXX asked when would I send the check or money order and I replied saying Friday the XXXX. I then sent an email to Mr. XXXX at XXXX XXXX  on XX/XX/XXXX, asking for documentation to confirm the agreement. Mr. XXXX failed to answer the email I sent. On XX/XX/XXXX, I called and spoke with Ms. XXXX and verified who I was. I question her about getting the verbal agreement in writing, I also asked if the agreement was still valid and she stated that it was. Ms. XXXX explained she would not be able to send any documentation until payment was processed and tracking number was sent. I then called back in the afternoon and Ms. XXXX answered, I asked to speak to Ms. XXXX and Ms. XXXX stated that Ms. XXXX was away from her desk. I asked Ms. XXXX for Ms. XXXX XXXX email and she stated that the kind of information was not given out. Then the line was disconnected at XXXX XXXX. I called back at XXXX and Mr.XXXX  answered and asked for my account number. He also asked what was the amount I was paying. I than stated that I was paying the amount that was agreed upon when I spoke to Ms. XXXX. He then stated that I could make payments via debit card, credit card, XXXX, and XXXX XXXX. I then told him that I was told that payments through debit cards would not be accepted. He then stated that Ms. XXXX was coming and put me on hold
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reporting false information this account is close and satisficed declaration character please remove false information XXXX XXXX XXXX XXXX XXXX i have no relationship with reporting in accurate information XXXX XXXX XXXX over 10 years old remover off credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX KNOW THIS COMPANY OR ACCOUNT
Product: Debt collection

I have a collection account listed on my credit reports by a debt collection agency XXXX XXXX. XXXX XXXX failed to validate and provide proof that they own this debt. Therefore i am disputing this account and would like it removed from my credit reports.
Product: Credit reporting or other personal consumer reports

TransUnion LLC XXXX XXXX XX/XX/XXXXXXXX, PA XXXX Subject : Demand for Immediate Deletion of Inaccurate Accounts Violation of 15 USC 1681i I am writing to formally dispute the inaccurate and incomplete reporting of accounts on my credit file, which you are required to maintain in compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i. I am bringing this to your attention after XXXX and XXXX have already deleted the accounts in question, following a thorough and legitimate investigation of the inaccuracies I disputed with them. 
Account name : XX/XX/XXXX, Account Number : XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account Number : XXXX However, TransUnion has failed to take similar action, continuing to report accounts that are erroneous and unverified. This failure to correct the inaccuracies directly violates my rights under the FCRA, and I demand that these accounts be deleted immediately from my credit report.

Additionally, you may be aware that the Consumer Financial Protection Bureau ( CFPB ) has initiated legal action against both XXXX and XXXX for conducting sham investigations into credit report errors. This ongoing litigation further underscores the serious consequences of failing to properly investigate disputes and make the necessary corrections. The legal actions against XXXX and XXXX highlight the systemic issues at play and the consequences these companies face for not complying with their obligations under the FCRA. 
In light of this, TransUnion 's refusal to delete these accounts despite the clear evidence of error constitutes negligence on your part and a violation of the law. I demand that you immediately delete these accounts from my credit file in accordance with 15 USC 1681i. If the deletion is not completed within 30 days, I will pursue further legal actions, as far as contacting the Office of the Attorney General for your failure to comply with federal credit reporting regulations.

Please send me confirmation in writing once these inaccurate accounts have been deleted from my credit report. Failure to resolve this matter will result in the initiation of further legal actions to hold TransUnion accountable for its refusal to comply with the law. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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: Mortgage

XXXX Timely escrow payments and treatment of escrow account balances. 

My loan was paid in full on XX/XX/XXXX as the result of a refinance. I called and requested my remaining escrow balance be mailed to me shortly after my pay off date. I was told by Roundpoint that according to Reg Z, they had up to 20 days to send it to me and would not be able to fulfill my request for it to be mailed that day. I was told that the request had to be sent to XXXX XXXX XXXX to be fulfilled. I submit this complaint today, XX/XX/XXXX and I have yet to receive my refund check. I called Roundpoint on XX/XX/XXXX and confirmed with the Roundpoint representative that the check was mailed on XX/XX/XXXX and I still have not received my check. Roundpoints system of record indicates the escrow was dispersed on XX/XX/XXXX, but according to the Roundpoint representative I spoke with the check was not mailed until XX/XX/XXXX, which is 22 days. 

Paid in Full on XX/XX/XXXX. 
Today is XX/XX/XXXX. 

28 day difference not including holidays and weekends. This time frame is not reasonable according to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th 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 an alleged fraud or extortion. 
XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have an inquiry showing on my credit report that is inaccurate/fraudulent I did not authorize for my credit to be ran for this inquiry.
Product: Credit reporting or other personal consumer reports

Payments are due on the XXXX of every month starting with XX/XX/. The XXXX payment was made on XX/XX/2023 and the XX/XX/XXXX, XXXX payment was made on XX/XX/2023. These payments were made before the 30-day reportable period occurred. The creditor can hold late payments against you for internal purposes, such as CLI reviews, assessment of late charges, or closure of the account, but they can't report to the CRAs before the 30-day late period. 

Yet when I disputed this information according to XXXX and XXXX they reported that the information was correct and that I was 35 days late on a payment. The evidence of payment date was uploaded
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 


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

Hello Sir/Madam Good Morning I purchase a vehicle at XX/XX/2016 from XXXX. Last year it was crash and the payment was done this year. but when i go to check my credit score it shows XXXX owe me XXXX dollar so for this my score going to down for not pay but i ask XXXX is there due any payment? they tell me no!! everything is good because i already paid everything. 
so i dont know why it shows on my credit report negative and i can not fix it can you help me to out Just FYI i am a XXXX XXXX XXXX XXXX. 
so its very important for me please can you help me to out asap it will be highly appreciated thanks very much Have a wonderful weekend
Product: Credit reporting

I have soooooooooo had it. I do n't have a " file '' number because they deleted it in 2012, YOU CA N'T KEEP A DEBIT THAT IS TOO OLD. YOU NEED TO DELETE IT. AND I HAVE DISPUTED IT, AND DISPUTED IT. IT IS ANCIENT HISTORY, JUST BECAUSE XXXX XXXX SOLD IT TO XXXX BANK DOES N'T MEAN IT IS NEW THIS IS A VIOLATION OF THE LAW
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, I contracted with " XXXX XXXX XXXX XXXX XXXX XXXX XXXX' XXXX XXXX ) to replace windows and 2 doors in my house in XXXX XXXX NM. They set up 18-month same-as-cash financing with Greensky of XXXX, GA as part of the sales incentive. Payments were supposed to be 50 % to start and 50 % at completion. In XX/XX/2020, due to bad experience with XXXX, I asked for a hold to be put on the account to stop any more payments to XXXX. Greensky agreed, placed the hold, and has always agreed the hold was placed. However, on XX/XX/2020, Greensky paid XXXX the second 50 %. At this time, XXXX had not satisfactorily completed the work. I had not been contacted by XXXX claiming they had completed the work. There were still 2 significant problems with the work. I was not contacted by Greensky either, asking to lift the hold. After several failed attempts to fix this by phone, on XX/XX/2020 I sent an email to Greensky followed up by a letter on XX/XX/2020. XXXX XXXX of Greensky responded to my email and opened an investigation. On XX/XX/2020, XXXX called me to say that the investigation found that I had signed a document attesting to the completion of the work ( which I absolutely could not have since I have had NO contact with XXXX since XXXX XXXX and that document allowed them to lift the hold from my account. As of that evening, the disputed charge had been added back to the account. 

I asked XXXX to forward the document she said allowed them to pay, but have not received any reply. I also managed to finally contact XXXX XXXX XXXX XXXX XXXX who said they would try to get the problems fixed and would send the documents that allowed them to take the final payment from Greensky. I have not received any copies of such documents at this time.
Product: Student loan

Sent a letter correspondence to FedLoan and the US Department of Education regarding reimbursement for payments I made AFTER my effective date of my VA 100 % Total and Permanent XXXX. There were XXXX letters sent on : XX/XX/XXXX and XX/XX/XXXX. 

I called XXXX on XX/XX/XXXX regarding this matter, as I received NO response from FedLoan or the US Dept of Ed. regarding my reimbursement and was advised that I have to contact FedLoan directly. I then called Fedloan on XX/XX/XXXX who advised that I have to call the Department of Education regarding my reimbursement. I called the US Dept of Ed, who advised that the reimbursement must come from my borrower- FedLoan. I called them back and they were not helpful. 

I then sent a letter correspondence to FedLoan ( again for the XXXX time ) as well as to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter on XX/XX/XXXX. As of XX/XX/XXXX. I have NOT received a response from anyone. 

My effective VA 100 % Total and Permanent XXXX was XX/XX/XXXX. I made a payment on XX/XX/XXXX for {$100.00} ; on XX/XX/XXXX for {$1000.00} ; and on XX/XX/XXXX for {$910.00}. The full amount to be reimbursed is {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted these companies numerous times and the credit bureau XXXX and provide reports
Product: Credit reporting or other personal consumer reports

Equifax is allowing fraudulent activity on my credit report. They are blocking me from having access to the credit report. They will not help me out at all. They are allowing multiple names and account information to be on the report that is not me at all. They will not help me resolve this matter.
Product: Consumer Loan

To whom it concern ( Toyota Financial Services ), these are all the documents that were received during my XXXX and while I was living overseas since XX/XX/XXXX-XX/XX/XXXX. While I was overseas there was a lawsuit against Toyota because there was no e-filing. I had returned the vehicle two months after purchasing dated XX/XX/XXXX, so XX/XX/XXXX or XX/XX/XXXX I had returned the vehicle. The vehicle was on lease to own terms. The Military XXXX I have provided are the XXXX that broke the lease, Toyota agreed there will be no charge upon release of the vehicle through my XXXX because Toyota supported the Military XXXX. 
A year after purchase Toyota had sent a lawsuit document but I was still living overseas, therefore I had no recollection of what was going on. XXXX had TMCC at the time as their financial company and they had made a mistake. Toyota was making an offering ( a settlement ) in regards to faulty paperwork CASE NO. There was also a recall on my vehicle but I turned the vehicle in two months after purchase. There should not have been any charges or reporting to my credit upon Military XXXX. This has put a financial burden on my life as far as purchasing a home, a vehicle, and this has also negatively ( damaging ) affected my credit for the past 6 years due to false reporting to credit bureaus. I would like the entire account removed from my credit or I will get a lawyer for a settlement for pain and suffering. 
V/R,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to resolve the debt with Fox Collections, I am disputing the debt because my XXXX XXXX should have covered the amount owed, the original creditor never filed this insurance claim to receive their payment I am also filing complaint as to why Fox Collections would note my credit report as Medical Collections, I believe this is a HIPPA Violation and notating Medical can cause another creditor not to accept my application or discriminated
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX AV XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

The consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have disputed the validity of the account multiple times, indicating the inaccuracy of said account. I would like this account removed from my credit report immediately.

{$670.00} Titan Revenue Solutions
Product: Credit reporting or other personal consumer reports

I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present on all my consumer report any variation or misspelling of this name must be removed. XXXX XXXX XXXX XXXX XXXX these names must be removed. Addresses. Only the address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MD XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses. The following addresses must be removed XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX MO XXXX these address must be removed immediately In the birthdate/year of birth field YEAR OF BIRTH XXXX  this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report.