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

the Credit bureau is not complying with the rules. I sent out disputes on the XX/XX/XXXX and have not been in formed about anything. The alleged debts that are fraud on my consumer report needs to be deleted.15 USC 1602 ( I ). The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. look this person here ( Experion ) is using my identity and saying that I owe them, I need them to send me the paper work saying that this Validation is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts are reporting incorrectly, they need to be remove immediately, the debt has been forgiven
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX received a call from TransUnion, I had inquired about two active disputes. Per TransUnion customer service representative I was told that my dispute with XXXX XXXX XXXX had been closed on XX/XX/XXXX. I told the representative that I never received noticed that the dispute was closed. When checking XXXX XXXX it reflects that the dispute with TransUnion is still in review since XX/XX/XXXX which is well over thirty days. 

I had requested the method of verification, purchase agreement or any information that states that I entered into a written agreement with XXXX XXXX XXXX. 

Per customer service representative I was told that information could not be provided. I would like the CFPB to look into TransUnion practices when conducting a proper investigation. I have disputed alleged account with XXXX XXXX XXXX before and the investigation literally took five days. 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) TransUnion has caused tremendous damage and distress because they continue report inaccurate errors on my credit report I will upload supporting documents about my complaint with TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized/fraudulent inquires on my Equifax Profile . I have this problem several times over the past couple of years as a result of a wallet being stolen that contained my person information. I was told to provide a Police Report to have them removed immediately, which I have several times in the past with no problem. In XX/XX/XXXX I filed a Police Report with several unauthorized/fraudulent inquiries on my Equifax Profile using the same Police Report Format I have in the past, and per the instructions given to me by Equifax. In XXXX I filed a Police Report and submitted the copy of that report to Equifax with the following unauthorized/fraudulent inquiries, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX. Equifax did remove 3 of the 6 unauthorized/fraudulent inquiries immediately upon receipt of the Police Report but failed to remove the additional unauthorized/fraudulent inquires that I just listed and that are on the Police Report that I submitted This includes XXXX XXXX that appeared on my Equifax Profile on XX/XX/XXXX, and has been disputed several times and listed on a Police Report that I submitted several times. Now I am being I was told that that same Police Report, which has the same format as the other Police Reports that I have submitted in the past, is invalid, yet Equifax removed two of the 6 unanswered/fraudulent inquires. Having persisted in my efforts to resolve this matter with people who barely speak English, I have now gotten several other stories. One or about XX/XX/XXXX, I was told that the remaining unauthorized/fraudulent accounts will be removed in five ( 5 ) business days, and another gentleman on XX/XX/XXXX, that the remaining inquiries would be removed in 72 hours. Well, neither has happened. I have been lied to enough. by Equifax 's customer service representatives who are even in America. When I ask to speak to a supervisor, it seems none are available. They lie to me, an refuse to solve my problem, yet they have absolutely no problem trying to sell me some of their many products that supposedly prevent this sort of thing. I've gotten several excuses as to why these unauthorized/fraudulent inquires haven't been removed, and it seems that no one really knows what the other one is noting on the account. Nor does it seem like they know what it is that they are doing since one person tells me one thing, then another tells me that person is lying, then tells me another. I just want these inquires remove IMMEDIATLY!!! As I've said, the Police Report they're calling " invalid '' is the same Police Report, From the Same Department, and in the same format that I've sent in several times before and have never had this big of a problem having these unauthorized/fraudulent inquiries removed. All I get is excuses as to why they have not been removed from my Equifax Profile. I want them remove IMMEDIATELY!!!
Product: Credit reporting or other personal consumer reports

I have never made a late payment on any of my accounts. XXXX XXXX XX/XX/2018 is in error. I still havent received proof of this late payment. Im told of what was investigated but no actual evidence. Im demanding paperwork/proof of this late payment.
Product: Money transfer, virtual currency, or money service

Yesterday XXXX around XXXX. I received a call from Bank of America Fraud Dept phone number XXXX asking if I had been using my acct in Georgia . Obvious answer was NO. So I checked my online acct and noticed a transaction for {$4.00} debited and credited back to the acct. While on the phone with Bank of America Fraud Dept, I was told my online profile had been compromised and to change my password, I did not change password while on phone call. They had said, XXXX was transferred from my acct and to go to XXXX and send money back to my existing ACCT. So, I sent the money to phone number that corresponds to my Bank of America online profile. Again similar transaction for smaller amount of XXXX out of another account. I thought everything was fine. However, a few hours later my son and I had an over whelming feeling of deception. SO I reached out to Bank of America Fraud Dept. They had informed that I had been scammed. I couldn't understand how they could use my cell phone number to accept funds. I couldn't understand why b/c the phone number was sent to my number that corresponds to my Bank of America Acct. Completely devastated. Immediately filed XXXX complaints for both transactions with Bank of America Fraud Dept. Couldn't sleep last night, so I researched a bit of info. Comes to find out XXXX is owned by XXXX XXXX XXXX XXXX which is owned by Bank of America , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. These banks are required to abide by Regulation E ( EFTA ) which covers fraudulent charges. However, it doesn't seem like banks are abiding by the disclosure requirements about their affiliation with XXXX. Supposedly XXXX doesn't have any Consumer protection for victims of crime. However, the banks promote XXXX with no protection, and Banks own XXXX XXXX XXXX XXXX.!!!!!!!!! This needs to be addressed b/c its dangerous and many more people will fall victim. Told me 10-45 days, with moderate results. At this time right now, this is a calamity. So I'm reaching out to everyone for assistance, ( FTC, FBI, CFPB ). Please help, someone has to be able to help. Bank of America, please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so puzzled of what is happening with you ( CFPB ) and the bureau ( EXPERIAN ). I've submitted this complaint 3 times & you are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, It's driving me up the wall. The account listed below was opened due to identity theft. I've provided you ( CFPB ) & EXPERIAN with an affidavit & FTC fraudulent report to support my position. It seems EXPERIAN is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I am filing this request myself to address the inaccuracies on my Credit Reports. I am requesting for the correction and removable of the incorrect information about my account has been diligently neglected by the Credit Bureaus. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. In addition, the inaccurate information about my accounts is still on my reports. For that reason, the Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below is the account that is still reporting on my account : LENDING CLUB XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all 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: Payday loan, title loan, or personal loan

On or about XX/XX/2019 I called and asked the company if there was anyway to refinance the loan for lower payments because I have been an excellent customer who has paid on time for the past 12 months. They said NO they could not change the terms of the loan. I then asked them if they would extend me more credit again because I am such a good customer with stellar payment history. They again said NO. They said the loan would have to be paid in full first. I initially borrowed {$2600.00} and have since paid back {$3400.00} and still have {$7000.00} in interest alone to pay back at 135 %. The interest is {$300.00} a month! I believe strongly that they fall under the guise of a Predatory Lender preying on people that are down on their luck, backs to the wall, with nowhere else to go! They are not playing fair!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent letters to all three credit bureaus asking them to verify the debts on my credit report. I received a response only from XXXX XXXX on XX/XX/XXXX. XXXX removed three accounts from my report due to inaccuracies. There are also two other accounts which still show inaccuracies. In accordance with the Fair Credit Reporting act, these Accounts has violated my rights. 

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 card

Good Morning, I previously held an account with Dell Financial Services, during which time I had set up automatic payments and text notifications to ensure my account remained current. However, Dell Financial Services transferred my account to Comenity without informing me, resulting in the discontinuation of my automatic payments. I did not receive any text or mail notifications regarding my overdue account, and only became aware of the issue when it was reported as past due for the month of XX/XX/2023 on my credit report, which I monitor using the XXXX app. Upon contacting them, they explained that the account had been sold to them and acknowledged that while they had my registered phone number, the address on file was incorrect. They refunded the late fees, but my credit score remains affected due to their mishandling of the account. It's worth noting that they could have easily contacted me via text if my account was past due, mitigating this issue. Please find enclosed the statement confirming the refund of late fees, as they have acknowledged their mistake.
Product: Debt collection

On XX/XX/XXXX, I received an alert via email through my credit monitoring company that there was a debt collection from a company in Texas. On XX/XX/XXXX, I called my credit monitoring company and the representative told me it was from an internet company. It stated that I had a balance of {$450.00} that was yet to be paid. The alert reported that I had " opened '' an account with the company on XX/XX/XXXX. My credit monitoring company, XXXX, stated these collection agency accounts can negatively impact my credit and can remain for 7 years. I looked up the company called, CREDIT MANAGEMENT L.P, and looked at the reviews for the company. It seems that this is a consistent problem with Credit Management L.P with other people stating that they have been sent false debt collections for a service they have never used.
Product: Credit reporting or other personal consumer reports

These accounts are being reported illegally against me and on my credit report XXXX XXXX reporting open date XX/XX/XXXX. 
XXXX Now reporting an open date of XX/XX/XXXX. 
XXXX Now reporting an open date of XX/XX/XXXX. 
XXXX XXXX reporting a charge off with an open date of XX/XX/XXXX and a balance of {$6000.00} XXXX XXXX XXXXXXXX XXXX XXXX reporting a balance of {$1600.00} with a date assigned XX/XX/XXXX. 
XXXX XXXX reporting a balance of {$490.00} with a date assigned XX/XX/XXXX XXXX XXXX XXXX reporting a balance of {$720.00} with a date assigned XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX reporting a balance of {$4100.00} with a date assigned XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bank reporting a balance of {$450.00} with a date assigned XX/XX/XXXX Portfolio Recovery A reporting a balance of {$600.00} with a date assigned as XX/XX/XXXX XXXX Progressive reporting a balance of {$140.00} with a date assigned as XX/XX/XXXX According to 15 U.S. Code 1681a : consumer report does not include : " report containing information solely as to transactions or experiences between the consumer and the person making the report " Also According to 15 U.S. Code 1681b : it states " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : '' ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have never provided any written permission to any of the accounts listed above and this illegal reporting. Public Law 90-321 ( 82 Stat. 146 ) also states that any agency can only get your report in response to a State or local government official authorized by the head of such an agency or a local child support enforcement agency. None of the original creditors listed above are applicable to those which are allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX continue to report inconsistent, inaccurate and incomplete account information to my credit report even after i detailed the specific details of the errors in the reported account. EXPERIAN Continue to verify this reported account information as accurate and complete but the reported account information is not complete nor accurate. Experian fail to investigate XXXX XXXX  XXXX  even after i requested the do so. I sent to Experian the details of what im disputing yet to act, they only report back account information is verified by the furnisher XXXXXXXX XXXX XXXX  and refused to delete the inaccurate and incomplete account information reported. The conclusion dated before XX/XX/2023 yet to fix nor delete the inaccurate and incomplete account information nor delete the entire account as requested. I ask Experian to re-investigate the XXXXXXXX XXXX XXXX account reported information.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$27000.00} OFFICE OF THE ATTY GEN XXXX Balance Owed : {$640.00} XXXX XXXX XXXX Balance Owed : {$6.00} XXXX XXXX XXXXXXXX Balance Owed : {$28000.00} XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXXXXXX Balance Owed : {$27000.00}
Product: Debt collection

On Thursday XX/XX/XXXX at approx XXXX, I got a call from XXXX XXXX XXXXXXXX. The call started with we are getting ready to file a judgment against you. I asked for what. They told me I had a Chase Bank charge card from XXXX - XXXX ( I NEVER had this card ). As soon as I explained to him that they nerver read me the required mini mirandas, and that they are threatning me with a lawsuit on an out of statute debt, a debt I never had in the 1st place. They put me on hold, then hu on me. This is their company URL https : //mathews2mathews.com/
Product: Debt collection

PennyMac Loan Services/ PennyMac Investment Trust the company that has Servicing rights for XXXX XXXX XXXX XXXX XXXX and according to their prospectus, They are a XXXX party who has no rights to proceed a Fraud-Clouser process. According to the Privacy Act of 1974,. My information shouldnt be shared with 3rd party without my consent. 15 USC subsection 1681b, Permissible Purposes of consumer report ( 2 ) In accordance with written instructions of the consumer to who, it relates est, i never gave such instructions. As per the law when a charged off is reported, as i have seen 3 different reporting of all Credit Agency which falls up under in accurate reporting and need to be removed from one 's report. According to the IRS manual Section 108 ( 26 CFR 108 ) its considered as certificate of indebtedness, which is consider income and should not be reported on one 's personal credit report. 1022.21 Affiliate marketing opt-out and exceptions. as per 15usc 6802-6805 obligations with respect to disclosure of personal information, PennyMac Loan Service and 3rd party Attorneys are in violation of this very code. I have also sent my opt out notice to the right department in this company and nothing done. I also wasn't aware of any disclosure from this company about 3 days of any rescission.. The tender that secured the loan was sold to a XXXX party debt collector on the Secondary Market, violating its own agreement therefore this should be removed from my personal credit report. Also, 16 CFR Subsection 433.3- PRESERVATION OF CLAIMS AND DEFENSES, ACTS OR PRACTICES, UNFAIR OR DECEPTIVE ACTS * In connection with any Sales or Lease or Goods or Services to Consumers, in or affecting commerce as defines in the Federal Trade Commission Act, It is an unfair or deceptive act or practice within the meaning of section 5 of the act for seller, directly, to Take or receive a consumer credit contract which fails to contain the following provision in at least ten-point, bold face type. 
ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 


15USC 1681 ( f ) Prohibits and person from using or uptaining a consumer report unless, the consumer report is obtained for purpose for which the consumer report is authorized to be furnished. See attached credit report for inaccuracies on all 3 reports. Furthermore, a 1099c was also sent to i the consumers address signifying that they obligation on my end has been Cancelled, so why haven't the company report either paid as agreed and stop committing security 's fraud. Furthermore, a Forensic Audit was done on the account of such loan and came back as Security 's fraud will update here for proff of claim and void. See attached All paperwork, \
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate information on my credit report, specifically concerning my XXXX XXXX XXXX XXXX account. Upon reviewing my credit reports, I have identified several inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). I am committed to resolving this matter amicably, but if necessary, I am prepared to escalate this issue to the attorney general of my state for further investigation. 
The inaccuracies are as follows : * XXXX XXXX XXXX, as reported to TransUnion, indicates an open account on XX/XX/XXXX, closed and paid on XX/XX/XXXX, with the last payment made on XX/XX/XXXX, and a 30-day late payment. This is misleading and inaccurate. 
* XXXX XXXX XXXXXXXX, as reported to XXXX, shows last payment on XX/XX/XXXX, a XXXX late. The account closed on XX/XX/XXXX. This information is incorrect and unfairly represents my payment history. 
* XXXX XXXX XXXXXXXX, as reported to XXXX, suggests an open account on XX/XX/XXXX, closed and paid on XX/XX/XXXX, with the last payment made on XX/XX/XXXX, accompanied by a 30-day late payment. This is inconsistent with my actual payment history.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping 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 have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to1022.142 ( b ) ( 6 ).