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

On XX/XX/2018 I sent a written request via USPS to TransUnion for a free, complete copy of my credit report. I included proof of my Identity and current address with my written request. 

This is the first credit report that I requested during XX/XX/2018. 
This is the first credit report that I have requested in the last consecutive 12 months. 

I have not received my Free credit report that I requested.

I have received no response from TransUnion and my request was made over 90 days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017, XXXX  reported a 30 day late that was not late. I disputed this through the CRA 's and it came back as resolved. 

Last month, during the Covid crisis I was late on my payment due to work related issues, but it was not 30 days late which it is reporting on all my reports. When I spoke to the company they indicated they are making no concessions related to Covid which is insane considering how impacted this country is.. Now these late payments, the only TWO negative marks on my credit score, are impacting the rest of my finances and causing other companies to lower my limits and change my interest rates. 

I would like XXXX  to remove these late payment reports. If they are unwilling to do so, I would like XXXX  to remove the entire tradeline from my report so I can continue with my potential home purchase. 

I have attached the XXXX  report which shows the XXXX  account and the dispute resolution, and two printouts from bank statements showing the payments.
Product: Debt collection

Cancelled flight with XXXX XXXX in XX/XX/2020 due to Covid. It was on Barclay Credit Master Card through XXXX XXXX. Took 3 months to settle with XXXX. Credit card was cancelled by us and a refund for flight was issued from the Credit card company ( Barclay Master Card ). Started receiving bills from Barclay in XX/XX/2020. The latest bill we received in XX/XX/2020 is now charging us late fees. I have written three times to both XXXX and Barclay and have sent all documents to each one explaining the situation. I am now getting calls from Barclay on a daily basis from their collection department. This credit card was closed in XXXX. I sent Barclay a copy of the check THEY REFUNDED me in XXXX. I can not get this resolved by anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide, Method of Verification and Validation of Debt. 

XXXX XXXX # XXXX {$97.00} # XXXX {$65.00} # XXXX {$93.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my outrage regarding the continued reporting of inaccurate information related to the XXXX XXXX XXXX XXXXXXXX, which you claim was opened on XXXX XXXX, XXXX and sold to XXXX on XXXX XXXX XXXX XXXX. Despite multiple disputes, this matter remains unresolved, and I demand immediate action. 
Under the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681c ( a ) ( 4 ) **, negative information must not be reported for more than seven years from the date of first delinquency. Additionally, under **15 U.S.C. 1681i ( a ) ( 5 ) ( A ) **, information that can not be verified or is inaccurate must be promptly deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave consent to share my information
Product: Credit card

Exxon/Mobil Consumer Credit Card ( Citibank ) provided electronic billing services to us reliably for an extended period of time as I have been a card holder since 1998 for over 18 years. At some point they decided to stop ebills and began sending emails. These emails were going into our junk mail box and when unseen by us for payment. Our balance was very small. For 90 days there was no calls or letters to notify us of the late payments until we received a XXXX package. In shock we immediately paid the full balance and called customer service to apoligize and learned that my credit was impacted with a severe 90 day late pay. We appealed with no results and my credit is now devastated through no fault of my own. I could accept a 30 day late but can not accept this outcome.
Product: Credit reporting or other personal consumer reports

This credit card was closed four years ago. The credit card company kept the account open, despite many phone calls requesting its closing. 
Now, Capital One reported that this card was past due for over 120 days, with a balance of {$54.00}. 
I never received any mail, email nor phone calls from Capital One regarding an open balance. 
All was there was the annual fee plus interest over this fee. 
Had the company closed my card upon my request, none of this would have happened. 
Had the company contacted me about the open balance, I would have paid. 
My credit score dropped XXXX XXXX XXXX XXXX
Product: Debt collection

SEVERAL CALLS AND VOICEMAILS THREATENING ME THAT I HAVE PENDING CRIMINAL CHARGES AND WILL BE SERVED. I HAVE VOICEMAILS THAT HAVE BEEN LEFT ON SEVERAL OTHER PEOPLES VOICEMAILS WITH ALL MY PERSONAL INFORMATION THAT IS VIOLATING MY PRIVACY. I WAS ALSO NEVER READ THE MINI MIRANDA.
Product: Credit card or prepaid card

I disputed fraudulent charges last year which resulted in my favor. I have since been receiving notices saying there was still a balance of around {$300.00}. In XXXX I was told the charges were late fees from those original charges that were supposed to have been taken off. I have called in at least half a dozen times, spoken with at least 15 representatives, and no one seems to be able to resolve this issue. All these months later, The account is now on my credit report as charge-offs. The recording when I called said there was a payment made over {$800.00} and I didn't make that payment. When trying to get this resolved, they took it upon themselves to lock the account for 30 days while in review. They refuse to let me speak with any supervisor, or do anything about this problem.
Product: Credit card

The Card was stolen and it's affecting my credit report Account # : Account Type : XXXX Account Type - Detail : XXXX  credit card XXXX Code : Individual Account Status : XXXX Monthly Payment : XXXX  Date Opened : XX/XX/2017 Balance : XXXX No. of Months ( terms ) : XXXX High Credit : XXXX Credit Limit : XXXX Past Due : XXXX Payment Status : XXXX Last Reported : XX/XX/2017 Comments : Credit card lost or stolen Date Last Active : XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned that XXXX XXXX/XXXX XXXX XXXX had reported a {$200.00} Charge Off on my XXXX, Equifax, XXXX  and XXXX report in XXXX. 
I disputed this item as not mine with the all four of the bureaus in XXXX and according to the bureaus XXXX XXXX  verified with them in XXXX. 
I then wrote XXXX XXXX requesting information regarding this debt. XXXX XXXX  did not respond to my XXXX  to them. 
I received a notice from a collection agency in XXXX and so I wrote them a letter requesting validation of the debt. The collection agency then sent me a letter stating that this account would be sent back to XXXX XXXX. 
I have spent hours trying to get any type of clue what this account is for with the credit bureaus yet all they can tell me is that it is verified, and I have yet to receive anything about this. Yet it is still being reported to my credit bureaus. I asked all bureaus to give me the method of verification and they gave me the number to XXXX XXXX  and they are no help over the phone or in writing. 
This is not my debt this is not my account and it appears on my credit file in error. XXXX, Equifax, XXXX  and XXXX somehow verifies this, yet I am unable to even find out what the debt is for. I am at my wits end with Experian unlawfully reporting invalidated and unverifiable information on my credit file.
Product: Debt collection

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

on XXXX I financed a new XXXX pickup from XXXX, in XXXX ca. The salesman also sold me GAP protection, stating that if anything happened to the vehicle on a total loss that GAP will pay the outstanding balance. on XXXX I suffered a total loss of my XXXX XXXX pickup. I notified my insurance company, and Ally the finance company of the total loss. Ally stated verbally that the account was now frozen and would be in contact with the insurance company. My insurance company XXXX, settled their claim in the amount of XXXX, GAP was contacted and the process was started and all outstanding service contracts were refunded to the lender and noted as refundable items in the amount of XXXX. GAP determined the balance at the date of loss was XXXX after settlement and other credits the remaining balance would be XXXX upon conversation will Ally they stated verbally on the phone that everything was taken care of and they were in communication with GAP and that the account was paid and closed. During this time ALLY has reported me as late during my loss, then as current after they received the insurance payment, but never removed the late marks. Then at a much later time My credit report gets dinged again for late payments in XXXX thru XXXX as 120 days late. after many phone calls to resolve this matter nothing has happened, other than my credit getting ruined, I can not buy a house for my family to live in and all of my creditors have severely reduced my credit lines and have tarnished my reputation as a person and as a businessman, who relies on excellent credit to operate my businesses.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

FCRA 604 ( 15 US code 1681b, FCRA 611 ( 15 US code 1681i ) FCRA 609 ( 15 US code 1681g ) i an writing to formally dispute and request the immediately removal of the following unauthorized fraudulent outdated inaccurate incomple accounts from my EXPERIAN credit report :, XXXX XXXX XXXX XXXX, XXXX ( {$20000.00} ),, XXXX XXXX XXXXXXXX XXXX XXXX. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX XXXX your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed
Product: Credit reporting, credit repair services, 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 # XXXX, has violated my rights. 

XXXX5 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 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 item 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an abundance of unrecognized hard inquiries in the form of " XXXX XXXX '' that I just recently discovered. All of them are from XXXX. The " Creditors '' are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

On XX/XX/XXXX, I sent a debt validation letter to the United Collection Bureau about a debt I did not recognize. The United Collection Bureau sent me documents that had multiple discrepancies. The document shows the case was closed and sent to collections on XX/XX/XXXX. The United Collection Bureau shows a reminder letter sent to pay debt was sent XX/XX/XXXX. How was a reminder letter sent on XX/XX/XXXX? The case was closed and sent to the United Collection Bureau on XX/XX/XXXX. On XX/XX/XXXX, the United Collection Bureau show in the comment section I owe XXXX XXXX XXXX attorney hours. XXXX XXXX was not my attorney on XX/XX/XXXX. XXXX XXXX was my XXXX XXXXr on XX/XX/XXXX. XXXX became my XXXX XXXX after XXXX withdrew from my case which was XX/XX/XXXX and that is when XXXX took over as my XXXX XXXX. I no longer needed a XXXX XXXX because the Judgement of Conviction was prepared XX/XX/XXXX. The amount owed is inaccurate since XXXX XXXX XXXX was not my XXXX XXXX on XX/XX/XXXX. 

Also, the United Collection Bureau has violated the Social Security XXXX act by having my full social security number on the document sent as validation.
Product: Credit reporting or other personal consumer reports

For more than 5 years now I've been disputing auto insurance loss claims that don't belong to me, that I didn't cause, and are not my fault nor attributable to my vehicle which XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX in XXXX, AZ XXXX continue to erroneously report on my XXXX XXXX to LexisNexis. 

XXXX XXXX XXXX knows that the losses belong to my father. Unfortunately I live with my dad so we share the same residential address but we have always driven our own separate vehicles, had our own automobile insurance policies, and we even have our own separate lives. However, the agents & underwriters at XXXX XXXX XXXX somehow took it upon themselves to include my name as a driver on my dad 's insurance policy at some point without my permission after I shared my social security number with agent XXXX XXXX to receive a quote. I declined to purchase auto insurance from XXXX XXXX & agent XXXX. Each year thereafter I began receiving reports from various brokers and insurers that I had a significant claims history regarding a vehicle that I do NOT own or use but because I happen to live at the same address as their insured who is also my father XXXX spread his risk onto me. This has adversely affected the rate quotes and the amount I pay for auto insurance for a long time. LexisNexis has refused to help remove the long list of XXXX claims because technically XXXX is the entity required by law to cease reporting the errors. I need help to clean my LexisNexis XXXX report please.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my Equifax consumer report on 08/11/2022 without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with Capital One, Further, I do not have any alleged account type as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.
Product: Debt collection

Convergent Outsourcing, Inc. claims that I owe {$550.00} for XXXX   XXXX XXXX XXXX XXXX. I have not received any documentation from the original creditor that proves I owe this amount. I have not lived in XXXX for over 3 years. I believe this amount is inflated. I have written to them to ask for proof of documentation and to cease any communication with me about this debt. This debt collector recently called me to harass me about this incorrect amount. I will complain about them to the Attorney General of XXXX if they do not cease collections and take it off my credit report.
Product: Debt collection

I have not received a validation letter from the collections company XXXX Phoenix Financial XXXX ) via mail or electronically. They opened this debt on my account on XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/year>, I fell victim to a multi-layered scam operation which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account tofraudulent investment firm ( s )
Product: Credit reporting or other personal consumer reports

Incurrate account information on credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

I have asked that my increased payment be applied to principle and was told my request must be in writing. So I put m request in writing. Nel net continues to apply to next payment instead of principle. I owe close to {$70000.00} I have XXXX children and pay ove 6 % interest. I have 20 more years and I am XXXX years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two different letters with supporting documentation, and instead of reporting the information the correct way. They went back a whole year and totally reported incorrect information nine tines ( 9x ), in addition to adding a comments of me being late multiple times with 30-90 day marks. This is INCORRECT, this account was closed owing no money back in XX/XX/2018. I have asked them to correct it and they keep putting LIES on my report causing my score to drop by XXXX. If an account was closed in 2018 how is it being reported now with TONS of incorrect information. I was trying to buy a house and this reporting has totally stopped it all, angry is an understatement!!!