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

I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX
Product: Credit reporting or other personal consumer reports

I have been working with TRANSUNION, XXXX AND XXXX to " block '' fraudulent accounts opened under my name during identity theft. I continue to have the same issues even though I have supplied all of the information required by federal law, and that I was instructed to do so via the FTC and CFPB. 

TRANSUNION : The emailed on XX/XX/year>2024 stating the proof of address was not accepted. I enclosed a bank statement, which is an acceptable form. I will also upload it to this complaint as proof. Transunion is instructed to add this to the packet they received on XX/XX/year>2024 @ XXXX XXXX  via tracking number XXXX XXXX XXXX Has ignored all attempts to correct this information. I have not heard back anything, other than the response to the last complaint on CFPB. XXXX is also instructed to upload the bank statement attached as proof of address to the packet they received on XX/XX/year> @ XXXX XXXX  via tracking number XXXX XXXX XXXX Has completely ignored all request, both via certified mail, CFPB and telephone calls. They repeatedly send me emails saying they are denying my request for blocking. I'm also instructing XXXX to upload the proof of address attached to this complaint. They also received the identity theft packet via certified mail on XX/XX/year> @ XXXX XXXX  via tracking number XXXX All parties receiving this complaint are instructed to process this blocking request in a timely manner, and to the full extent of the law. Failure to do so will result in legal action being filed in court. I've tried over and over again to get this issue taken care of, all of which has been ignored. These credit reporting agencies are very quick to allow someone to steal your credit, but then refuse to fix it. Being that I was part of the DATA BREACH from XXXX, you would think they would take this seriously.
Product: Money transfer, virtual currency, or money service

In the month of XXXX I had two different transactions of a atm Withdrawal with out my knowledge I went on to dispute it with my bank. Even got a police report which states that it wasnt me in none of the videos taking money out of my account. With a newspaper article from my city. Which people are having. Trouble. With credit card fraud from the same place I used my card from. 4 month later Im still trying to get my money back from the bank which refuses to give me my money back chime bank is not very helpful every time I call I get the run around no direct answer from them
Product: Mortgage

XX/XX/scrub>XXXX XXXX I was given a loan modification trail for three months. After successfully completing the payments in a timely manner, I was approved for the loan modification XX/XX/year>. All documents were signed, notarized and returned to mortgage company. 

My first payment in the amount of {$1500.00} was sent in XX/XX/year>. XX/XX/year>, I received back payment in the mail, due to insufficient funds. The agreement stated the monthly payment was {$1500.00}. 

I emailed the mortgage company, and their response was the modification had now been denied as there are title issues on the property. 

A few days after returning the approved load modification documents, I was severed by the XXXX XXXX courthouse, stating that the information on my title was incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

A balance is reporting on my Bank of America account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2021. I have tried to resolve this issue directly with Bank of America and they have failed to correct it.
Product: Payday loan, title loan, or personal loan

Kikoff is reporting late payments which is illegal. Its hurting my credit reporting file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute requesting the removal of this item on my report due to the original creditor ( Discover Bank ) refusing to accept payment for the charged-off amount of {$280.00} and reflect a PAID status. The investigation results returned VERIFIED. My credit is continuing to be damaged despite good faith efforts to resolve the past due amount.
Product: Debt collection

on XX/XX/2023 I sent a letter thru certified mail to this debt collector requesting ORIGINAL CONTRACTS with my signature and Validation about this debt but they failed to provide these documents, all I received was a bill. 

Violation of the Fair Debt Collection Practices Act ( including but not limited to section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to section 623-b ) Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action For. 

Defamation Negligent Enablement of Identity Fraud Willful injury Financial injury
Product: Credit card or prepaid card

Upgrade credit line company took an extra {$2900.00} from my account over three weeks ago and refuse to refund the money. My account is paid in full, and this is a double payment which should not have occurred. 

When I call and speak to customer service, including a supervisor, they refuse to give me any information and keep saying its a process. After multiple attempts to get a resolution, they still have not refunded my money, and they keep saying they are waiting for management approval, which never comes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXd now.with no help.
Product: Credit reporting or other personal consumer reports

I've recently mailed out a dispute letter to Transunion regarding accounts on my consumer report that isn't mine and doesn't have authorization to be reporting. They responded that these accounts were verified but never did they provide me any documents that give these accounts consent to report. I am aware that I have a right to privacy and with these accounts reporting without my permission is a violation on Transunion behalf for not actually providing verification for these accounts. I asked you to investigate them and you can't provide to me any documentation with my signature. I understand that it is your duty to assure that any information reporting to my consumer report should be accurate and verifiable in which you failed to provide to me any documents. I demand that any accounts or information listed in my dispute letter be removed from may consumer report immediately or Transunion will be held liable for any damages. How can I owe a debt if these was never a mutual agreement? Where's my authorization for these creditors to purchase my personal information and share it with anyone? 

Violations committed : Violations committed by Transunion : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Product: Credit reporting or other personal consumer reports

As of today, XX/XX/2024, it has been over 30 days since my submission for several alleged charge-off accounts listed in my credit report. According to 15 U.S. Code 1681i, if a credit bureau can not verify the disputed item within 30 days, it must be removed from the consumer 's credit profile. Additionally, under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), information furnishers must not report information on a consumer that they know or have reasonable cause to believe is inaccurate. Furthermore, as stipulated in 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum accuracy of the information concerning the individual about whom the report relates.
Product: Mortgage

M & T Bank is my mortgage company. Loan # XXXX. My property address is : XXXX XXXX XXXX XXXX XXXX, CT XXXX. I fell behind in payments after my divorce in XX/XX/XXXX. I did a work-out sheet for monthly payments of {$2900.00} for 6 months. My regular monthly payment without the repayment plan is {$1300.00}. I could not make my XXXX payment with only 3 months to go because my fiancs mother took sick and she ( XXXX XXXX..fiance ) had to take care of her mothers medical needs which caused our income to plummet. M & T didnt offer me another work our packet and stated that Im yet having another crisis. Now Im being sued and my home is in the beginning of the foreclosure process. I have a return date for the Superior Court of XX/XX/XXXX. My ex wife did a quit claim deed so she has nothing to do regarding the property. I want to keep my house. Since I work full time M-F from XXXX-XXXXXXXX it would be advisable to call my fianc XXXX XXXX @ XXXX to answer any questions in my behalf. Thank you
Product: Debt collection

Two XXXX XXXX XXXX accounts appeared in my name that I never knew about the same time I made a fraud report and sent them to the company, even after a year they still bother me because they sell the account to a and another collection company and I do not know what to do, I sent several disputes with the relevant documents and nothing is resolved
Product: Vehicle loan or lease

I am writing to express my concern regarding the Adverse Action Notice I received from Navy Federal Credit Union ( Application ID : XXXX ) on XX/XX/year>. The notice states provides the following reason for actions taken : " EXTENUATING FACTORS EXIST REGARDING YOUR NAVY FEDERAL ACCOUNT ( S ). '' This notice does not provide sufficiently specific reasons for the adverse action taken. As per Regulation B, creditors are required to disclose accurate and detailed factors considered in the credit decision. Specifically, the notice should include the principal reason ( s ) for the adverse action. The reason provided by NFCU is overly broad, vague, and fails to provide specific reason for the adverse action.

The use of EXTENUATING FACTORS is evasive and is a mere synonym for the regulatory requirement to provide specific reasons within the notice. 

I would like to draw attention to relevant regulatory guidance that provides further detail regarding ECOA rules : 1. Consumer Financial Protection Circular 2023-03 : This circular emphasizes that creditors must provide a statement of specific reasons for adverse action, accurately describing the factors considered.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies and requests for thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and significantly hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, leaving me with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay.

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.

Thank you in advance for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

I have been trying to access my credit report for 6 weeks. I am unable to login to my account and when I called 6 weeks ago, Transunion was supposed to send out the credit report. I never received it. I know I am supposed to be able to access my report weekly online through annualcreditreport.com and it tells me to call an 800 number.

I am not able to access my online account with Transunion either it will not allow me to access my credit report through my online account even after an indentity verification it tells me to call an 800 number. I just spent an hour on hold waiting for an agent. The online chat support person couldn't access my account to process a request for my credit report. 

The list of problems with trying to obtain my credit report is many. Now I am on hold trying to get to tech support to address the access issues on my report. 

I just want to access my credit report that is required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX 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 with my written instructions
Product: Credit reporting

I realized there were several inquiries on my credit report that I did not recognize. I placed a fraud alert on my credit report to prevent it from happening again. I contacted Transunion and was told that there was nothing they could do unless I contacted all of the creditors and had them submit a request. That is an unreasonable request as there are XXXX unauthorized inquires on my credit report. I do not have the time to do that, nor do I think a consumer should. In those cases, the credit reporting agency that provided the information and is reporting it to others, should do their own contacting. I was told there may be a glitch that affected my credit report and resulted in those inquires being placed on my report.
Product: Debt collection

XXXX XXXX turned my account over to zion collections after I paid them in full and cancelled my contract. Zion reported this to the credit bureaus which hurt my credit rating. I provided a copy of the transaction with the security company dated XX/XX/year> which shows a payment of XXXX. I also provided them a email from the company that states that this account was paid in full on that date and cancelled. The collection company still wants XXXX or they will not remove the item from collection. please help me fix this
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I was going to a WFargo branch to deposit XXXX in cash. I got there about XXXX XXXX and there was only 1 teller and about 5 people on line. I had to go to work. I went to an empty post office the next XXXX ( USPS money orders..cash instruments ) to get 2 money orders..After the money order fee the amount of the 2 money orders was {$990.00} x 2 so I could deposit them into a WFargo ATM and avoid waiting in line. So I did that on the afternoon of XX/XX/2023. I got a phone call the next AM ( XX/XX/2023, ) from a very mean and snotty WFargo rep who explained that the Money Orders were altered and my account was now closed. My account had XXXX in it before the deposit. Now I can not access that either. As to the " altered '' money orders, they are absolutely out of their minds. I can not believe that is happening to me. They are holding all my funds, hostage because somebody there decided they are ALTERED??? I do not understand. I have a pic of the receipt for 1 money order ending with the number XXXX. I used 2 of my debit cards for this at XXXX each. The receipt for the money order ending in XXXX, I can not find but I do have the actual money order receipt that was attached to the money order. Both of these checks were deposited into the ATM. I need mt money back. I need the XXXX XXXX and the balance of my checking acct with XXXX from them. They seem to be thieves!!! I know for a fact that Wells Fargo has a track record of cheating customers with fake accounts, interest on auto loans, and opening accounts without people 's knowledge. and charging.fees that customers did not agree to. I do not want them to get away with this and need my funds immediately.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I have Child Support with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX CO XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

I 've never received information regarding the nature of this debt or proper signed validation of this debt from this credit agency. Also when researching who this company is I learned that they are n't licensed in the State of Tennessee to collect debt. Their license has been suspended since XX/XX/2017. Collecting a debt with no license is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having the following issues with Lexis Nexis regarding a bankruptcy that they are reporting to the three major credit bureaus : XXXX Per the FCRA 15 USC 1681, they DO NOT have a permissible purpose '' to look into my personal credit file. 
XXXX. They are violating my opt-out notification being affiliated through ownership from the three major credit bureaus. 
XXXX. Courts and PACER DOES NOT furnish any information, so this is essentially aggravated identity theft for pulling my information from a public source then reporting it to the three major credit bureaus, and finally selling it to creditors.