23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This year, as in the distance past with credit card suits ( invalid and unresolved ), none of the 3 credit reporting angencies have responded to my phone calls, XXXX 's or written correspondence. Continuing the scamming of personal funds via court/cop routine. Now I am not able to get XXXX XXXX XXXX for my apartment home without paying XXXX to XXXX and XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

This is my 9th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

US Bank is holding my money XXXX now for a month. I have defaulted on my bills and my support for my children,. XXXX  has now grown over XXXX dollars It has me behind in rent XXXX dollars. 
They are committing criminal acts violating my XXXX XXXX XXXX and XXXX amendment 's! The total accumulation Is almost XXXX dollars. They must be held accountable immediately! XXXX XXXX XXXX XXXX, XXXX and XXXX other support agents who have lied to me and treated me like a XXXX.
Product: Debt collection

I received a settlement offer to pay off my debt for my XXXX XXXX credit card account from Progressive Financial Services. I received this offer on XX/XX/XXXX. I sent the settlement offer amount on XX/XX/XXXX ; documentation to support. Over the last year I have received several notifications that I still owe on this account, and several collections agencies have sent me letters ; documentation to support XXXX agencies still trying to collect this debt. I found out today, XX/XX/XXXX, that this debt is still active against my credit report and is effecting my credit score. I want this debt erased, and I want my credit score adjusted to when I actually made the settlement payment back XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that this account was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and deleted for erroneous reporting in my file. 

XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Below is a revised cease-and-desist letter format that includes TransUnion and XXXX as the entities involved : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX : XXXX Request Regarding TransUnion and XXXX Dear Sir/Madam, I am writing to formally demand that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that TransUnion and XXXX cease and desist from engaging in the following actions : 1. [ Describe specific actions, e.g., " reporting inaccurate information on my credit report, '' " failing to respond to disputes in a timely manner, '' " violating the Fair Credit Reporting Act ( FCRA ), '' etc. ] 2. [ Provide additional details and evidence related to the actions by TransUnion and XXXX, such as dates of disputes, copies of correspondence, or reference numbers. ] These actions have caused significant harm to me, including but not limited to [ denial of credit, increased interest rates, emotional distress, defamation of character ]. Their conduct is in direct violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and other applicable laws.

I request that the CFPB take immediate steps to enforce compliance by TransUnion and XXXX and require them to : Correct inaccurate information on my credit report. 

Cease further dissemination of inaccurate information. 

Provide written confirmation of their compliance with my request. 


Additionally, I demand that TransUnion and XXXX refrain from any further violations of my rights and promptly resolve this matter. Failure to comply with this cease-and-desist request will leave me with no choice but to pursue additional remedies, including filing legal action or further regulatory complaints. 

Please confirm in writing that this matter has been addressed and resolved within [ reasonable timeframe, e.g., XXXX business days ] of the date of this letter. 

I trust that the CFPB will fulfill its duty to protect consumers and ensure that TransUnion and XXXX are held accountable for their actions. 

Thank you for your immediate attention to this matter. 

Sincerely
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX : Complaint Regarding Equifaxs Handling of Credit Report Disputes Dear CFPB, I am writing to formally file a complaint regarding XXXX handling of my credit report disputes. Equifax has repeatedly labeled my legitimate disputes as " frivolous '' and employed tactics that delay the resolution of inaccuracies in my credit report. Below, I outline the details of the situation and the specific stall tactics I have encountered : Details of the Dispute XXXX. I submitted a dispute to Equifax regarding inaccuracies in my credit report, specifically the XXXX XXXX XXXX XXXX account being inaccurately reported as Collection/ Charge off in fact is inaccurate. XXXX XXXX XXXX needs to be removed. The last Payment activity is Not XX/XX/XXXX, the last Payment to settle this account was XX/XX/XXXX. 


XXXX. Despite providing detailed documentation, including [ list evidence, e.g., settlement letters, payment receipts, etc. ], Equifax responded by labeling my dispute as frivolous without providing any explanation or evidence to support their claim. 


XXXX. I have attempted to resolve this issue through but Equifax continues to employ stall tactics, including : They can't locate a credit file, they need more identification, I've disputed too many times in the last 90 days and they won't be conducting any further investigations. 

Requesting repeated documentation that was already provided. 

Sending vague responses such as " verified as accurate '' without explaining their investigation process. 

Failing to meet the XXXX response deadline mandated under the Fair Credit Reporting Act ( FCRA ). 

Equifax 's Failure to Comply with FCRA Under the FCRA, specifically 15 U.S.C. 1681i, Equifax is required to : Conduct a reasonable investigation of disputes.

Remove or correct information that can not be verified. 

Provide clear explanations for their decisions. 


Equifax has failed to uphold these obligations, leaving inaccurate information on my credit report and harming my financial standing. 

Request for CFPB Assistance I request the CFPB investigate Equifaxs handling of my disputes and take appropriate action to ensure compliance with the FCRA. Specifically, I ask that the CFPB : XXXX. Require Equifax to conduct a proper investigation into my disputes. 


XXXX. Ensure that Equifax provides detailed explanations for their findings. 


XXXX. Hold Equifax accountable for any FCRA violations. 



Attached Documentation I have included copies of the following documents for your review : Original dispute letters sent to Equifax. 

Supporting evidence submitted with my disputes. 

Equifaxs responses to my disputes. 

Proof of mailing and delivery for all correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXXE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXC XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX
Product: Debt collection

Recently, there was a collection added to my credit report from AmSher Collections that I DO NOT owe. I mailed AmSher a certified letter asking them to verify this debt that I supposedly owe to XXXX XXXX XXXX XXXX. They were unable to verify this supposed debt in a mailed reply in which I attached to this complaint. 

1- The letter is addressed to XXXX XXXX XXXX . This is NOT my name. 
2- I have NEVER had XXXX XXXX XXXX services. There is no history of XXXX XXXX XXXX services at my address. 
3- They have no copy of signature. Why? Because I never signed anything to get XXXX XXXX XXXX services. They are trying to charge me for someone else 's debt!!!!!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccuracies, Inconsistent Late Payment Reporting, and Missing Data account # XXXX # XXXX Dear TransUnion I am writing to dispute the accuracy of the information reported on my credit report. Recently, I disputed this account, and you stated that the account was verified as accurate. Please explain how you conducted your investigation to determine that this account is verified as accurate. Did you review all the information that the furnisher submitted to you to determine the account was reporting accurately, or did you solely rely on what the furnisher told you? 

This account was opened on XX/XX/XXXX, and under the payment history, this account is reporting NO data through XX/XX/XXXX to XX/XX/XXXX, also through XX/XX/XXXX to XX/XX/XXXX, and through XX/XX/XXXX to XX/XX/XXXX. This account was fully active and should have been reporting data during those dates. TransUnion, please provide me with information on how this account is reporting accurately when they did not report any data under the payment history while the account was active. 
Additionally, there are no 30 to 90 days reported late leading up to the 120 days late that you are reporting. This information is inaccurate and inconsistent. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, the furnisher has violated 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which mandates that furnishers must not report information if they know or have reasonable cause to believe that the information is inaccurate. By failing to report any data under the payment history for the above dates while the account was active, the furnisher has breached their duty to provide accurate information.

I demand that you conduct a reinvestigation and delete this inaccurate account from my credit report. TransUnion, you have failed to conduct a proper investigation as required by law.

Please provide me with a written statement detailing the results of your reinvestigation, including the method and procedures used to verify the accuracy of the information. If you can not verify the accuracy of the disputed information, you are required to delete it from my credit report.

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

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent XXXX attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 

2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. 

I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality.

With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. -D/B/A XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to Equifax. In this dispute, I asked Equifax to remove XXXX XXXX Account Number Ending in XXXX  because the information was inaccurate. My dispute stated the date of first delinquency was incorrect and that the account was reporting past its statue of limitation for credit reporting. XXXX XXXX is reporting a time-barred account. On XXXX  Equifax responded to my complaint stating the information had been verified as correct. Equifax did NOT conduct a reasonable investigation and the investigation result details clearly show that. In the Equifax response I received, Equifax is reporting the date of first delinquency being XX/XX/XXXX. They are also reporting that the account was opened on XX/XX/XXXX. There is no way possible for an account to be delinquent before its even opened. For Equifax to show this in their investigation results displays they have not conducted an investigation and didnt bother reviewing the information. This is willful non-compliance and also a violation of my rights under the FCRA. This account needs to be deleted immediately. Ive attached the investigation results in this complaint, highlighting the issues mentioned above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ACCOUNT listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the account below in my file : XXXX XXXX XXXX XXXX : {$810.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was paid on XX/XX/2020 in the amount of {$360.00}. Should of have been removed off credit report and it still shows. 

XXXX XXXX XXXX was paid on XX/XX/2020 in the amount of {$1300.00}. This should of been deleted off credit and it is still showing. 

XXXX was paid on XX/XX/2020 in the amount of XXXX they said it would be removed but it still shows on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I submitted a complaint regarding Toyota Financial Services XXXX They immediately removed only the most recent late payments that were inaccurately reported. All XXXX  bureaus have reported different and inaccurate late payments. This is a violation of XXXX XXXX Compliant reporting XXXX and FCRA. They have acknowledged the inaccurate reporting by removing the most recent ones and now are knowingly and willingly reporting against my rights by not removing all payments as required by law. 
The Fair Credit Reporting Act states that I have a right to fair and accurate credit reporting, and you are required to remove any information inaccurate, unverifiable, or untrue. Please remove all late payments reported on all XXXX  bureaus from this creditor immediatly.
Product: Credit card

XXXX months ago I found XXXX XXXX XXXX charges on my Discover card between XXXX and XXXX. I have never used nor authorized my Discover for XXXX XXXX. 

In calling XXXX, they could not find my card linked to a XXXX purchase. Furthermore, they did identify that this card was added on to our family account many years ago and it shows it expired in XXXX. 

I immediately disputed the charges. The first Discover Card employee I talked to set up the disputes. During our conversation, I asked about the card being expired. She stated that since the charges were for a recurring purchase and that the card had previously been on file, that there was no problem allowing the charges. 

These unauthorized purchases were XXXX years after expiration. She stated that even though the card was expired, it still could be used for recurring payments ( which I have never authorized for this card ). 

The disputes were denied by Discover. Their letters stated that since XXXX did not respond to their inquiries, they had no way to investigate, therefore, they chose NOT to side in my favor. In their letter, there is no mention of the expired card number. 

If this practice of allowing charges on expired credit cards is legal, then this is very concerning.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX In XX/XX/XXXX I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. XXXX XXXX Bank did not have any assistance programs in place so I continued to make the monthly payment. In XX/XX/XXXX I again contacted XXXX XXXX Customer Service at which time they offered to place my account in forbearance between XX/XX/XXXX - XX/XX/XXXX during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. 

When billing reoccurred in XX/XX/XXXX, I disputed the amount owed because it contained late fees and accused interest for 6 month forbearance period. I escalated my concerns to the Customer Service Manager in XX/XX/XXXX and XX/XX/XXXX when these same charges were being improperly assessed. This continued through XX/XX/XXXX at which time they reported my account as a charge off status, reported all payments from XX/XX/XXXX - XX/XX/XXXX as not paid and serious delinquencies to all three credit reporting agencies and sold the original account that was still for the disputed amount to XXXX XXXX   in XX/XX/XXXX and they continue to report collections and serious delinquencies until current, XX/XX/XXXX. This has drastically affected my financial ability to recover and continues to impact my credit scores and livelihood. I believe they fraudulently charged off the account and sold it to XXXX XXXX because they were unable or unwilling to honor the original forbearance guarantee. I have disputed this with XXXX XXXX XXXX, XXXX XXXX, Experian, XXXX, and XXXX to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for investigation of these accounts list below, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate these accounts thoroughly enough the last time I submitted one. 
If you had investigated properly, rather than use your e-Oscar system, you would have known, that not only I have never file bankruptcy, but that I am not sure that these accounts are even mine though your company claims to have verified this. 
It is at this time that I will point out that in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX  ), and XXXX XXXX XXXX, XXXX, 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 through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 
If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter. 
REMOVE ACCOUNT 1. US Bankruptcy Court Account # XXXX 2. US Bankruptcy Court Account # XXXX 3. XXXX Account # XXXX 4. XXXX Account # XXXX 5. XXXX  Account # XXXX 6XXXX Account # XXXX
Product: Credit card or prepaid card

I am requesting the audit trail ( accounting, file, ledger and transactional history ) of the consumer credit transaction that occurred XX/XX/2020 notarized by an accountant.