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

This complaint is in response to a phone call I had on XX/XX/2018 with a Transunion representative. I was told I do not have a right to request an itemization of the alleged debt or copy proof of an original consumer contract with my signature. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, Transunion has disingenuously marked my dispute status as open. The items I disputed are not being processed on your dispute website and your representative told me to investigate the matter myself. This is unacceptable I will seek damages in court of law should Transunion continue to take an adversarial approach to this matter.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) or a Itemization of the alleged debt you have on file. I am NOT asking for verification an old address which does not satisfy the method of verification as required under Section 611 ( a ) ( 7 ). 

It is at this time that I will point out that in XXXX v TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA could not " parrot '' information from the creditors and collection agencies. 

It is your JOB to conduct an independent REASONABLE investigation to ensure the validity of the debt and the integrity of the information XXXX   submitting to your company. Sending out a generic form through the XXXX   and telling the consumer go fetch a resolution from the original furnisher is unconscionable, and is not a reasonable investigation. 

Transunion 's failure to positively verify the account has hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number - XXXX I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, Equifax, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated. You must show proof that you Legally own this alleged debt and that it is accurate and complete thank you for understanding
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted equifax several times to investigate and remove this inaccurate and incomplete information. They have failed to send me proof of how this account is accurate, Due to Equifax not complying with the FCRA I am now seeking statutory damages of $ XXXX {$1000.00} per violation. Equifax is constantly reporting and updating a account that is against the Metro 2 compliance based standard and the FCRA. I will have my lawyer to contact Equifax. I attached a copy showing the inaacurate information.
Product: Credit card or prepaid card

This is as far as what happened XXXX, I am totally disappointed as this institution has the way to convince take advantage of the money of the parents, my daughter XXXX who attended this Academy from XX/XX/XXXX to XX/XX/XXXX I have not seen any change progress in their Totally deficient math grades, with a totally low grade. The only thing that my daughter was taught was divisions that is not fair. 
They do not have trained teachers or a better teaching method for the student. 
Now they according to their record that my daughter took XXXX hrs those XXXX hrs is nothing based on what? my daughter did not learn anything, I flatly refuse to pay XXXX dollars as the manager told me that I would have to pay that is not XXXX, I am a single mother I do not have financial resources to pay. 
I also want to let you know XXXX XXXX XXXX the manager was a way to make a trap with me when I signed the contract, everything was in English I did not understand the process and signed without knowing what I was doing, I speak XXXX I beg you to have consideration to my request I can not pay the sum of XXXX dollars, I totally reject and I hope not to be ignored by you. 
Thank you
Product: Credit reporting or other personal consumer reports

I obtained a copy of my credit report as I was assessing my credit report there was inaccurate and unauthorized use of my credit. I want these accounts to be investigated and removed immediately from credit report as they violate my consumer rights. 
Hard inquires XXXX XXXX XXXX XXXXXXXX XXXX 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. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX  Acct # XXXX Account name : XXXX  acct # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX 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 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.

You may have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I may presume that no proof of the alleged debt, nor therefore any such debt.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed Fraudulent inquiries that need to be immediately DELETED on grounds of IDENTITY THEFT, and Personal information that needs to be immediately UPDATED. Pursuant to 15 USC 1681c-2 I DID NOT originate nor authorize the following Inquiries.

Also, Pursuant to 15 USC 1681s-2 and 15 USC 1681e ( b ) please update the following personal information as well. DELETE AKA : XXXX, XXXX, XXXX XXXX XXXX XXXX 
DELETE FORMER NAME : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX DELETE FORMER ADDRESS : XXXX XXXX XXXX, XXXXXXXX XXXX  ADD NAME : XXXX XXXX XXXX. DELETE INQUIRIES : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. SEE FTC ATTACHMENT
Product: Debt collection

XXXX sold me a car I payed on this car for over 2 years and payed it off at this time XXXX waited months before they sent tittle to the car at this time they verified payment and I received the tittle to the car mounths later I sold the car to buy a new car when I did this is when I seen that XXXX XXXX took off my payment history and then say I own them money on car when I payed them off for it
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX Social Security Number : XXXX XXXX of XXXX : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Money transfer, virtual currency, or money service

I have approached at street by a person and he asked me to help me and he led me to the atm machine. He made a fake deposit and used my phone to transfer XXXX and XXXX dollar into his account. The transaction is still pending but the bank refuse to stop or freeze the transaction even though they understands that it was a scam and the XXXX is already contacted and detectives are working on it.
Product: Debt collection

My husband and I switched mobile carriers from XXXX XXXX to XXXX. When we switched they released our phones and numbers because we had a {$0.00} balance. XXXX paid off our plan when we switched carriers and the balance was paid in full. XXXX has reported to his credit report and mine as well.
Product: Credit reporting

Disputed same errors on XXXX credit reports, XXXX bureau conducted the investigation and corrected the errors, the other bureau did not investigate anything however they did claim to have conducted an investigation, which is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on numerous occasions to get XXXX XXXX to remove the security freeze from my SageStream Credit Report. Every single time, they send me a letter, wasting my time. Telling me that they can't read my driver 's License. 

This company is failing to comply with Federal Regulations that mandate that Credit Reporting agencies make it easy for consumers to freeze and unfreeze their reports. 

This is the final straw and the last bit of patience that I have with XXXX XXXX. Quit wasting my time and contact me. I want this report unfrozen and I never want to have to deal with your sorry organization again. 

You've been interfering with my ability to open a savings account with XXXX XXXX for XXXX XXXX
Product: Student loan

In XX/XX/XXXX my husband applied for a student loan from Wells Fargo in the amount of {$2500.00}. He listed me as co-signer WITHOUT my permission. The credit agreement was signed electronically, so Wells Fargo DOES NOT have my signature confirming my position as co-signer. My husband and I have since divorced and he agreed to pay this loan as part of our divorce agreement. The loan is now in default and has never been paid. This loan has negatively affected my credit score as it has been reported as a default. I requested that Wells Fargo remove me as co-signer from this loan. I completed every step which they required to do this, including filing a fraud report against my ex-husband. They have refused numerous requests to remove me as co-signer. I received another letter from Wells Fargo dated XX/XX/XXXX offering me a settlement to resolve the issue. I request your assistance in having my name removed as co-signer and having my credit report reflect this decision. 
Thank you.
Product: Student loan

I 've been paying of my Navient Parent Student loan and my account was put in forebearance without me requesting it. After looking at account and noticing that pretty much every payment 's interest gobbled up the entire amount ( XXXX interest-XXXX on principal ). I know the account accrues interest and at this rate I will never pay this loan off. What steps can I take to get the loan payoff moving in the right direction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and my personal information was compromised in a data breach with XXXX
Product: Checking or savings account

This is a complaint against " Chime '' on XXXX XXXX I contacted you to advise I could see someone mirrioring my cell phone by using " XXXX XXXX '' and not to release the pending funds as this transaction was not made by me, yet you released them anyway and advise once the funds have left the account file a dispute, What? you had the ability not to release funds and you did, isnt one of your selling points is being able to lock your card, then you returned the funds and took them back almost as if your providing a sense of customer service and empathy for YOUR CLIENT and then took it back almost like playing in my account. The lack of times I was placed on hold and hung-up on blows my mind from your monitored calls.. I have heard of people wanting a lot of things in life but idenity theft isnt one. What tools did you use to do a investigation? let me guess " XXXX '' seems legit next time ther is a issue with you we should contact " XXXX '' since they make decisions on your behalf. Fraud a wrongul form of deception used for financial gain of others. Thats what I like to do give away XXXX and then turn around and fight to have it back.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report.

I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 

To following information on my credit report is the result of identity theft and should be blocked : Account Information : Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXX I am also including an FTC Identity Theft Report with the reference number XXXX to further support my claim of identity theft. This report provides additional documentation of the fraudulent activity linked to the XXXX data breach. As mandated under 15 U.S.C. 1681c-2, upon receiving this identity theft report, credit reporting agencies are required to block and delete any information identified as resulting from identity theft within four business days.

Please find enclosed the following documents to support my claim :.

I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes.

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I received a Email falsely stating that owed {$460.00} to LVNV Funding LLC that I have from a credit card with the XXXX XXXX XXXX on XX/XX/2003. First of all, they claim a address that I never lived there. Second of all a date that I never applied for that credit card. According to the Email sent, they have an account with XXXX XXXX # XXXX XXXX XXXX. 

Perfectly clear this is definitely NOT ME. 
Please I need this claim to be removed. 
Thank you an advance
Product: Credit card or prepaid card

8 attempts in 3 days to collect payment. 7 calls and 1 email. When I answer the call they just hang up.
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Mortgage

I was experiencing hardship and requested my mortgage company, Seterus to assist me in reducing my payment. I was always on time and current with my payments prior to my request for assistance. Originally, I was told that I did n't qualify unless I was late with my payments. I was told that I must be late or delinquent with my payments before they would consider my case for approval. I submitted a letter which detailed my hardship. I expressed that I am responsible for my debt and I want to pay my payments on time ; however, I foresee it becoming very difficult to maintain all accounts as I was operating with a negative balance. My payments were lowered for a temporary period until the loan modification was complete. My original payment was apprx. {$1600.00} and my payments were lowered to apprx {$1200.00}. I paid these payments directed by Seterus, on time during this period ( 10-12 months ) before the modification became final. I recently ran my credit score and my XXXX shows that I have been late 6 months, which is incorrect. Seterus report my account late XXXX. I was never late. I made the temp mod payments on time and continue to pay my mortgage on time. I have paid my mortgage on time since I bought the property in XXXX. I filed a complaint through the credit bureau challenging the information they have posted on my account. My account lists as a FHA and conventional loan. Unsure if it is reported correct.
Product: Checking or savings account

My card was stolen and I assume was made duplicates of, the card was charged {$560.00} of money that wasnt given back to me on stores on XXXX XXXX, and restraunts all in XXXX, I live in XXXX so XXXX and all my family would have no reason to be in XXXX
Product: Debt collection

Dated XX/XX/19 I've received letter from MRS Associates in reference to an alleged debt owed to XXXX XXXX in the amount of {$4100.00}.
Product: Credit card

I called because I was not able to make my XXXX payment and I called before and they told me that they couldn't help me so I called back because my bank statement still said if you can't make your payment call us before XX/XX/XXXX for assistance so I called the number back and I talked to a XXXX there in he said the XXXX XXXX XXXX any credit card department and he said his employee number was XXXX then he took my whole entire credit card number from me after he said he was already in my account and that I had a credit card for ending in XXXX and I told him I had no credit card in that so he asked me for my full credit card number so I gave it to him and then he said he couldn't access that information so I need to give him my father 's credit card number and I said I hung up on them and I tried to contact XXXX 's fraud department but it's not I don't know how to there's no number it says have you lost money and I don't know if I have lost money or not I haven't been able to go over all my statements so I didn't want to say yes if I hadn't lost money but he does have my whole credit card number
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX, XXXX Bank ( XXXX ) XXXX out of XXXX, KS called my phone however I didn't answer. I don't have any financial products with them so there is no reason for the call unless they are trying to sell me something. I checked my credit report this morning ( XX/XX/2022 ) and XXXX Bank ran my credit. I know I have a freeze on my credit due to previous possible fraud, so they have to verify it was me. I called XXXX Bank this morning and they said they never ran my credit. So how did it get on my report? 

Also, Ally Financial ( XXXX ) XXXX out of XXXX Tx called me the same day and I talk to one of their representatives a specifically told the I am not interested in any loan products. I looked at my XXXX credit report and they also ran my credit. When I called them I was told they run your credit first and then call you for permission to run. What? So again what's the purpose of a credit freeze if they are allowed to run your credit without verifying it's you? 

How many other companies are doing this?
Product: Student loan

My credit score dropped and when I figured out what it was it was because of the loans but Im not in default
Product: Credit reporting or other personal consumer reports

XXXX  charged off my credit card account and as been reporting it illegal on my credit report i have sent them numerous letter and fax to remove it. i am getting lawyers together this is absolutely ridiculous. you can not report a charge off account the way you are reporting it XXXX  experian as confirmed multiple times that the information is being reported accurately so hopefully the lawyers can shed some light on this. please remove this charged off account the dates are wrong the amount is wrong its not following any of the fair debt reporting laws and i have seriously had it with this company no XXXX was sent to me
Product: Credit reporting or other personal consumer reports

i am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report Despite my submissions, Equifax consistently responds within 24hrs stating the account is accurate, without providing any evidence of a thorough investigation. This violates the fair Credit reporting act ( FCRA ), 15 USC. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the consumer Financial Protection Act ( CFPA ), 12USC 5536 ( a ) ( 1 ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations i request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation for Accounts XXXX, XXXX, XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I bought a Bitcoin for {$28.00} at XXXX In US currency, am and now I can't find it in the account. Then again bought another Bitcoin for {$35.00} us currency I see no evidence of what happened to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax two letters. 30 days back to back and never got a response to either letter.Under FCRA section 604 ( a ) ( 3 )  ( A ), permissible purpose has to be proven for the review or collection of a consumers account. There has been no communication back from Equifax or prove I authorized any of the hard inquiries on my credit history kept under my SSN number. If they ca n't provide me proof with my signature authorizing permissible purpose for each hard inquiry, these hard inquiries must be deleted for no permissible purpose or authorization. 
I have attached a copy of the letter sent by certified mail two times to Equifax.