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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent XXXX, XXXX, and Equifax dispute letters certified mail, they received the letters on XX/XX/2020. I have not received any response or no form of communication with any of the bureaus at all. I have not had the disputes resolved and I was told that the bureaus never received the letters until a manager told me they received them on XX/XX/2020 which I have receipt when the bureaus received the disputes letters. I would like my account updated and the disputed accounts removed.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a XXXX XXXX XXXX can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any XXXX XXXX XXXX  if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$240.00} ; XXXX XXXXXXXX Balance : {$29000.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the persistent challenges I have encountered while attempting to remove multiple fraudulent item from my credit file. Despite my ongoing efforts to rectify this matter, these fraudulent items continue to negatively impact my financial stability and creditworthiness. 

Despite my persistent and diligent efforts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, these fraudulent item persist on my credit file, causing significant financial hardship and impeding my ability to secure credit and financial opportunities. 

I respectfully request the following actions to be taken promptly : A comprehensive and immediate investigation into the fraudulent items in question, including thorough validation of their accuracy with the creditors. 

If the item is found to be fraudulent, it's immediate removal from my credit file. 

A written acknowledgment from your agency confirming the correction of my credit file once the issue has been resolved. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to address this complaint with the utmost urgency. Timely resolution of such issues is crucial for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary measures to rectify this situation promptly. 

Please acknowledge receipt of this complaint in writing within the specified timeframe and provide a designated contact person with their direct contact information for further communication. 

I am asking for your assistance to remove this fraudulent item in my credit file : XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date- XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date- XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : Equifax Mortgage Service Date- XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXXXXXX XXXX Date- XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Checking or savings account

I noticed an unauthorized checking account open without my consent ending XXXX, and also noticed unauthorized and incorrect balance of XXXX incurred in the credit account ending XXXX without my consent or acknowledgement. Please provide proof of authorization in the mail no later than 5 business days.
Product: Payday loan, title loan, or personal loan

I applied for a loan with Loan Till Payday in XXXX, DE in XX/XX/2018. Due to unforeseen circumstances, I was unable to manage payments with the loan and a judgement for {$600.00} was filed against me. I have tried to make payments of {$100.00} per month to repay the loan, while unemployed. I recently received a threatening phone call regarding a case being filed against me in XXXX XXXX County and an Order of Location regarding my whereabouts. My family has received harassing phone calls as well.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

Transunion is reporting a fraudulent collections account that has been deleted from the original collector. 

I opened an investigation XXXX transunion XXXX ticket number XXXX This account was deleted nearly a month ago and the collector notified all three bureaus. here are the acct and deletion confirmation numbers from their representative XXXX XXXX at XXXX XXXX XXXX ( XXXX ) File # XXXX : XXXX File # XXXX : XXXX Transunion has sent me XXXX emails stating they have been trying to contact the original creditor to verify the deletion. However when I contact XXXX XXXX XXXX they have not heard anything from transunion At this point what they are doing is unethical and illegal I have emails, confirmation numbers, ftc reports, police reports everything to prove these accounts are deleted due to fraud but transunion doesnt seem to be interested in anything except continuing to relort this fraudulent account. 

Both the other bureaus deleted them immediately What can I do? Please help You can also contact XXXX XXXX with XXXX XXXX XXXX, shes been a great help and can verify everything XXXX XXXX
Product: Student loan

I have been trying to pay my account balance for the last three weeks and although I have received a payment confirmation email every single time, the money has not been removed from the account, and I continue to receive emails from Edfinancial services stating that I have not paid my balance. When I log into my account and look at my transaction history, each day that I have paid, there is another transaction stating that the payment has been reversed. Edfinancial did not directly communicate this to me -- I had to log in and check. I don't think it is fair that I am being penalized because the office is not making the withdrawal I am repeatedly authorizing. Thank you.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

On XX/XX/XXXX I received a phone call to my home landline phone ( XXXX ) from a gentleman requesting I pay XXXX owed to XXXX XXXX. Also that they could negotiate a lesser amount or take payments. I informed him that I did owe a debt 20 plus years ago but that it had been written off. I asked him to cease and desist all communication with me. On XX/XX/XXXX I received a second phone call to my cell phone from a lady over the same debt. Again I told her to cease and desist communication. She told me she would move my file. While I was on the phone with her my son in Texas received a call looking for me over same account. Then we come to XX/XX/XXXX I had a voice mail on my landline and cell regarding they were tracing my identity to get a hold of me.
Product: Credit card or prepaid card

Placed an order for a freezer in XX/XX/XXXX with Sears. They could not deliver the product when promised stating they were having issues receiving the products from XXXX. They moved the date up however, could not deliver the product. We cancelled the order. 

We received statement from Sears every month thereafter charging us fees and interest now amounting to {$130.00}. I contacted the company several times but could not resolve the issues. Agents were extremely uncooperative and unprofessional. Hanging up the phone, not providing their employee ID number or were condescending. 

One of the supervisors ( Was polite ), took my information on XX/XX/XXXX and stated someone would contact me within 24/48 hours. She assigned a number to this case XXXX. On XX/XX/XXXX, received an email from Sears Customer Solutions stating : From : Sears Customer Solutions XXXX Sent : Monday, XX/XX/XXXX XXXX AM To : XXXX Subject : Case ID : XXXX " Dear my name, Thank you for contacting Sears Holdings Corporation . We thank you for allowing us the opportunity to assist you with your recent experience. If you have any further questions, please feel free to call us at the phone number provided below. 
In regards to your query regarding refund for the interest on cancelled order. We regret to inform you that you are not eligible for refund.. 

Case Number:XXXX? 
Phone Number : XXXX. 

Sincerely, XXXX XXXX XXXX Member Services On XX/XX/XXXX, I responded to Sears Customer Solutions by stating : " Good afternoon : The amount needs to be removed from my record as you have not provided us with any product or service. Why are you charging me the fees and interest? I need your explanation of these charges. '' My Name My Telephone Number On XX/XX/XXXX, I called Sears Hometown Store located in XXXX XXXX, Wisconsin where I initially placed the order. I requested to speak to the manager. Manager was extremely belligerent and condescending who did not want to listen to the issues. He also hung up the phone.
Product: Credit card

I applied for the XXXX XXXX card today XX/XX/2024 from Capital One. My first application did not go through since my credit bureaus were frozen. I didnt receive any timely communication from Capital One regarding the freeze so I unfroze my bureaus and applied again. My application was declined because they said I had my first application pending. I called to re-submit the first application and then that one was also denied saying the reason for the declination was that I had submitted a second application. Both declination letters offered no actual reason why I was declined the card aside from each mentioning the other letter. I tried calling and had no success with anyone taking the time to properly review my application and ultimately was declined and received no help due to a technical issue, not on the merit of my credit score. Its complete XXXX and I do feel discriminated against since I was not provided ANY decision criteria based on my credit history alone. They advised me to try again in a few days which is also an incorrect procedure since a rep told me that any applications received within 6 months of each other would immediately get declined. All I want is a formal decision based my credit history which is EXEMPLARY since I have never been late on a single payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday, I opened a dispute over the phone as well as online with Trans Union regarding an incorrect entry for XXXX XXXX paid on XX/XX/2009, which is still showing as a charge off/collections on my credit report. This was added 2 days ago, and caused my credit score to drop 79 points. 

The transaction was supposedly deleted from the credit report, but the credit score was never amended. However, the credit report still shows 2 delinquencies, even though they do not appear as part of the credit report. 

I sent the appropriate documentation as an attachment to the dispute and was told that since the account is not showing in the credit report, they could not correct it! 

This was corrected immediately by XXXX, but not by Trans Union. The persons who have answered the phone will not take any action and simply continue to repeat again and again that the entry is no longer in their system. When asked to be transferred to someone who would be able to help they stated there was no one who would be able to do anything since the account is not showing in the credit report after I entered the dispute. 

The impact this has had on a financial, emotional and personal level is almost disastrous. My credit score is now an " F '' due to their negligence and lack of professionalism as well as possible unethical business practices. 

Your help in this matter is greatly appreciated as have not had any assistance or support from TransUnion regarding this matter.
Product: Checking or savings account

On or around XX/XX/XXXX I rented a car from XXXX XXXX. I was told by XXXX at XXXX that he would honor my Esurance daily rate. XXXX advised I could rent the car up to 90 days being that we werent sure how long my vehicle would be in XXXX XXXX being repaired. I was told to stay in communication with XXXX at XXXX to continue to extend the weekly vehicle rental which I did & have documentation to prove. I was also made aware that the rental charges would be due upon returning the car. Within the time frame of 21days, XXXX XXXX Car went into my business bank account and withdrew various amounts of money from my account and held the funds for several days. This was without my knowledge or consent and definitely unauthorized which caused excessive fees in the amount of {$35.00} per transaction which totaled 21 times. Wells Fargo Fraud Department reached out to me XX/XX/XXXX ( approximately ) as my bank account was in the negative and I was advised to put a Stop Payment on XXXX as this was not legal to do. I had a significant amount of funds in my account at the time however my financial responsibilities were in jeopardy because the funds werent available when my bills needed paid! XXXX would continue with this until I placed Stop Payment which I did & on XX/XX/XXXX, Wells Fargo requested documentation that I didnt have access to at the time however I repeated my concerns in regards to the account bouncing and all the fees I was assessed. On XX/XX/XXXX I was made aware that they refuse to honor my stop payment & withdrew over {$1400.00} out of my business bank account. I have struggled enough with this pandemic as it is & refuse to allow my bank to financially XXXX me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Date : XX/XX/XXXX, Amount of {$8100.00}, Creditor XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Date : XX/XX/XXXX, Amount of {$7500.00}, Creditor : XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Date : XX/XX/XXXX, Amount of {$1000.00}, Creditor : 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: Student loan

I had taken out a student from XX/XX/XXXX-XX/XX/XXXX. The due dates according to the contact is on XXXX/XXXX/XXXX. Around this time, the economy was bad and I was barely making a living. The XXXX XXXX association called me that year and told me about my loans being past due. I notified them that I could n't make any payments at the time. The XXXX XXXX association informed me that my interest rate would go up and I will be hit with fines and collections. There was nothing I could do about it, so I let it happen. Then XXXX XXXX XXXX XXXX XXXX representative ), sent the information to collections in XXXX XXXX, XXXX, called Credit World Services. Credit World Services called quite a few times in the past and I told them that I did n't have the funds to pay and to stop calling me. In XXXX, I had finished my bankruptcy and wanted to know if a new terms and conditions would be possible with the XXXX XXXX XXXX. So I contacted XXXX XXXX in XXXX, and she asked me if and when I can make a payment. I let her know that I can only afford {$75.00} and she said that is fine. I asked her about the late fees and interest being reduced and she said it does n't seem like it would be an issue on their end, but she will need to reach out to Credit World Services. Since she could n't call them, she decided to have me reach out to them. I contacted Credit World Services and spoke to a female representative. The representative from Credit World Services stated that he does n't know of any such arrangements and she was concerned about Credit World Services getting paid for their services. The representative told me she would have to contact me later until she heard something from the original account. Months pass and then on XXXX/XXXX/XXXX, I get a summons in the mail to appear in court. I was confused about the entire law suit because no one has decided to contact me back. I contacted XXXX XXXX on XXXX/XXXX/XXXX and she told me that she will have to do more research and get back to me. This seems very similar to our last conversation. 
As I am looking at the law, the statute of limitations has passed on the creditor suing me. It has been way more than 5 years, and it violated the FDCPA and FTC. KS Statue 60-520 XXXX payment or acknowledgment of liability. ( a ) Effect. In any case founded on contract, when any part of the principal or interest shall have been paid, or an acknowledgment of an existing liability, debt or claim, or any promise to pay the same, shall have been made, an action may be brought in such case within the period prescribed for the same, after such payment, acknowledgment or promise ; but such acknowledgment or promise must be in writing, signed by the party to be charged thereby. Also, Statue 60-511 states that a lawsuit must be within 5 years upon the agreement, contract, or promise in writing. 
The Credit World Services and XXXX XXXX XXXX are in violation of these acts and it should be investigated.