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

I mailed in disputes for negative items on my credit report. TransUnion sent me a letter saying that it wasnt me who mailed in the dispute so they arent investigating negative items on my report. How is that? When I sent not 1 but 2 copies of my Government Issued ID and social security card.! This is not fair and it violates my rights according to the FCRA. Attached is the original dispute letter along with my ID.
Product: Credit reporting

Hello- I have previously disputed this item with Equifax XXXX We were the victims of XXXX Mortgage servicing and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX XXXX XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX XXXX. From there everything went downhill fast. We were told we had XXXX miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account now ( XXXX XXXX XXXX ) should be deleted from my Equifax credit report. XXXX XXXX servicing changed names to XXXX XXXX XXXX. So the account on my credit report now shows up as XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to express my disappointment and frustration with the way the creditors have handled my credit account. I had a negative account with which was reported to the credit bureaus and was impacting my credit score negatively. However, I reached an agreement with these companies to pay off the outstanding balance, and they had assured me that the negative account would be removed from my credit report. 

Despite fulfilling my end of the agreement and paying off the balance in full, I have recently checked my credit report and found that the negative account is still being reported. This has been extremely disappointing and frustrating for me, as I believed that by fulfilling my part of the agreement, the negative account would be removed and my credit score would improve. 

I would like to request that you take immediate action to remove the negative account from my credit report as per our agreement. I also request that you provide me with written confirmation once this has been done. 

Please let me know if there is any further information you require from me in order to resolve this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Debt collection

The company continues to call my home at all hours of the day and night. I have repeatedly asked this company to stop calling my house. I have sent them letters in the past also asking them to stop the harassing phone calls.
Product: Credit reporting or other personal consumer reports

I'm a victim of XXXX XXXX. i reported this information numerous of times but they still choose to report this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC and receivewd copies of the FTC Fraud report. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included these reports in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need your help removing the following accounts items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 Balance {$170.00} XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX  XXXX Balance {$3500.00} XXXX XXXX XXXX XXXX  XXXX Balance {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$620.00} XXXX XXXX XXXX XXXX XXXX Balance {$190.00} XXXX XXXX XXXX XXXX XXXX Balance {$69.00} XXXX XXXX XXXX XXXX XXXX Balance {$130.00} XXXX XXXX XXXX XXXX XXXX Balance {$89.00} XXXX XXXX Balance {$76.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$140.00} XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working to have the Three Agencies XXXX, Transunion and XXXX to remove and delete fraud accounts from my credit report and they either have been busy or ignoring my request. Ive sent letters on my behalf and have not received and adequate response. The accounts in reference are the ones below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are needed further investigation and removal by the 3 bureaus XXXX XXXX Transunion
Product: Consumer Loan

My brand new car was totaled back in XXXX. I received a statement, after my insurance made a pay out and additional money was released to Ally financial because I had an extended warranty on the car. There was a remaining balance of XXXX and some dollars because I was not aware of the need for gap insurance at the time I purchased the car. The statement they sent said that the next payment that was due was for XXXX XXXX, 2018 in the amount of XXXX. The next thing that I received from them, was a letter threatening to take action against me and my co-signers credit because they claimed I owe them a {$360.00} payment that they said was then 2 days past due. I spoke with numerous people trying to get answers and resolve this issue and got disconnected from them several times when I asked to speak with supervisors. I was told to " disregard '' the statement I had received and that the letter threatening my credit is what I should pay in full. When I ask why that statement was sent if I was to just disregard it, no-one answers me, or I get spoke over and redirected to make the payment, and reminded of the threat to my credit for not making the payment.
Product: Credit reporting or other personal consumer reports

AFFIRM INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX 15 USC 1681 section 602 A states that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FOWARD TO YOUR RESPONSE.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account XXXX : XXXX Account Name : Unknown - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX (  Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX  ( Original XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a phone call from Corporal XXXX XXXX from the XXXX XXXX Police, reference case XXXX. An individual was using my identity to purchase cars and start loans etc. 

Prior to XX/XX/XXXX, my credit score had gone down XXXX XXXX, and just yesterday it went down another XXXX points. I tried to dispute with the credit card companies but nothing has happened. 

From XX/XX/XXXX to today, I have submitted several disputes with XXXX. No action has been taken by them. 

These are the following on my credit report that are not me : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX Please help! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

* Last month XXXX reported my score was XXXX to a Mortgage company that made my FICO Score lower than it should of been. 
*Credit Agencies allowed a XXXX account be relabeled to a personal account and called it revolving. 
* I have never had a XXXX XXXX XXXX in my adult life. 
* Mortgage companies lowered raised my interest rates due to this credit adjustment. 
*My credit report is being fraudulently tampered with by placing fraudelent information and fraudulently reporting credit checks on my report. 
* I also have a derogatory credit reporting that I had a cable account just close in XXXX a couple months ago after living and working in texas the last last years * I was a whistle blower against the government were I exposed millions of tax payer dollars was being stolen. I have been retaliated against. The case just settled in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # 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: Checking or savings account

I received an email that my bank account was restricted. I contacted chase customer service and they told me the bank decided to end its relationship with me. They would not give me any information as to why. 

I can not get my money out and I can not use my bank account. I have done no fraud. I have only disputed transactions because I have not received specific services and packages. I believe that I was wrongfully targeted as a person of XXXX and because I disputed transactions.
Product: Payday loan, title loan, or personal loan

After XXXX treatment in 2019 I entered into a global pandemic. I was denied all aid from Iowa ( some doctor in Iowa XXXX abrogated XXXX XXXX suggestions of recovery and denied me-twice ). So I got an email from one main financial. I called them and they would approve me for a loan if I gave over my title. I was 6 months behind in my car payment and worked out a deal to settle. One main paid the balance and took the title. I was defiantly a bad choice and they gave me 33 % interest. I had only had a job for XXXX month and was fired XXXX weeks after the loan processed. They did not qualify my work history or even check to see if I had any money. They had me in and out and just kept saying just hit approve. I was seriously drugged on anti-depressants and really had no clue what I was doing. The car had a dead battery and they asked me for photos over a year old to use for an odometer reading ( they didnt care that the car was not functioning at the time-they just wanted the title ). Well I was unable to pay it off and XXXX weeks ago I was sued in small claims court. I didnt understand how to use iowas online system ( much to my chagrin the Iowa courts said I should have gotten a lawyer and that there is nothing I can do. I could try to appeal. However, now that Im 3 year post XXXX treatment and not under 6 months like when I signed my life away I can see how they saw me coming. They offered to get me a taxi to get me in the office. I explained I was a post XXXX treatment patient and needed help with the paperwork. They sped me through as fast as possible. 

I know I cant do much now ; I was totally taken advantage of during a time of duress. I was under XXXX months of XXXX treatment at the XXXX and they suggest 3 year of recovery. Which is now. I got taken for a fool at a time when I was unable to make clear choices and these folks did everything they could to get me sign away. They are predators and now that Im able to think clear ; I can see how deep they took me under. 

Shame on them ; shame on me for having XXXX. I cant believe how much they took advantage of me in a global pandemic. With my clear head, I never would have agreed to 33 % only have a job XXXX weeks prior to obtaining a loan. One main is a shameful company and I think this agency need to investigate how they practice. Post XXXX treatment me is still awed by how much they too me for a ride. They knew my car was not paid for months, yet by holding the title they knew I was not going to be able to pay them off ; they committed many crimes.
Product: Debt collection

XXXX charged off sold the debt to portfolio .XXXX does not display sold or transferred .Both are still reporting. This is a violation of FCRA .and now Portfolio has sold it. This is a violation.
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 EXP 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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

XXXX XXXX whats called on several different occasions to let them know they were reporting on my credit report Equifax account that I did not open it was fraudulently put on there they will not remove from
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and I have submitted disputes with XXXX and XXXX and XXXX and Equifax is still reporting wrong. I have asked them to update this information and delete these accounts from my credit report. They have failed to do so. XXXX has not updated my credit inquiries as well. They are reporting the wrong information on my credit report as well as payment history.
Product: Debt collection

I purchased a new truck from XXXX XXXX, it was financed by WFS FINANCIAL, Soon after Wachovia Bank purchased my contract, I paid as was agreed on the original contract, then Wells Fargo Bank, purchased Wachovia Bank with my contract, then Wells Fargo Bank, as I was paying as agreed on the contract, Wells Fargo Bank repoed my truck, and sold XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting inaccurate information on my credit report. This account was in litigation due to deception and predatory lending practices. On XX/XX/2022 XXXX XXXX XXXX notified the Court to DISMISS this case XXXX XXXX. On XX/XX/2022 Judge ordered XXXX XXXX XXXX to remove this account from my credit reports. XXXX XXXX XXXX states they will remove this account upon receipt of this letter they already received. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, is reporting inaccurate information on my credit report which 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 an account without my written instructions.

This collection account also violated my FDCPA and FCRA Rights under 1681i ( a ) e ( b ). In accordance with the Fair Credit Reporting Act requires only accurate information be reported. A collection agency can no longer report you owe money when a court of law says otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a letter dated XX/XX/2018 from Equifax stating : 'We have received your request concerning your Equifax credit file. However, the Identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. '' Then the letter requests that I provide items to verify my Identification and current address. 

I have made no recent contact with Equifax. 
I have made no recent requests to Equifax regarding my credit file. 
I have not provided Equifax any identification recently.
Product: Bank account or service

I was having Discover checking account which i closed during XX/XX/2015. But i am still getting emails from Discover Bank with various promotions and advertising their services. Worst there is no way i can unsubscribe to these emails as there is no unsubsribe link in the the emails.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX : {$1300.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a Fair Credit Reporting violations report against this credit bureau. They continue to report a XXXX  XXXX XXXX account on my credit report incorrectly. I brought this to there attention and up to this date they have not deleted it from my credit report of fixed the matter. On XX/XX/2021 I requested from this credit bureau there method of verification as it pertains to this account as this is my rights under the Fair Credit Reporting Act. Seven months have passed since I made that request and that method of verification has not been sent to me as yet. I am enclosing a copy of the letter that I sent them asking for such a request and a receipt from the post office showing that they got the request. The Fair Credit Reporting Act clearly states that a credit bureau has 15 days after they have received a request from a consumer for there method of verification for them to provide it to the consumer.

Seven months have passed and I have not gotten the method of verification and this is a clear Fair Credit Reporting Act violation for which I can seek damages for in the court of law. The Fair Credit reporting Act states that if the credit bureau is unable to furnish the item requested then this account should be deleted from my credit report. 
I am therefore asking you to delete XXXX  XXXX XXXX from my account due to the continued reporting of incorrect information on my credit report and for not providing me with your method of verification which is a Fair Credit Reporting Act violations. Kindly delete XXXX  XXXX XXXX from my account immediately please.
Product: Credit reporting, credit repair services, or other personal consumer reports

GATEWAYONE LENDING Account # XXXX Date Opened - XX/XX/2013 Balance - {$16000.00} Not my account. Shows open with several late payments. After continued requests to remove this error from my credit reports, I have gotten no response from GatewayOne Lending.
Product: Debt collection

I made an agreement to pay a debt in full with a promise from the debt collector that the debt would be deleted from my credit report. I kept my promise and paid {$340.00} on XXXX-XXXX-2019 in full. This collection agency has failed to remove this item.
Product: Payday loan, title loan, or personal loan

I recieved an email that i was late on a payment. I didnt have sufficient funds in my account so no money was withdrawn. This was XX/XX/XXXX. My agreement was to have my account debited XX/XX/XXXX. Further investigation into company I found they are not licensed in the state of Washington. I have sent a total of 4 emails requesting a revocation of my authorization to withdraw funds and have requested an email stating  they intend to honor my request. I forwarded them a copy of the rcw regarding washington state laws regarding non licensed lenders. I have not recieved an email back stating their intent to honor my request.