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

It has been tiring disputing these fraudulent items on my Credit File since the Credit Bureas have never even cared about my disputes. I have been disputing the fraudulent items from my Credit Report for a long time while informing them that I am a victim of Identity Theft. The last letter I sent to the Credit Bureaus was on XX/XX/2022, urging the Credit Bureaus to remove these items that were opened due to the theft of my Identity. It is also as clear as daylight that the Credit Bureaus have been negligence of the FCRA section 605b and continued reporting unverified and fraudulent information on my Credit File! Is it that troublesome for the Credit Bureaus to take a look and investigate my Credit File? Despite the multiple written requests for them to investigate and remove these items, they have done nothing to correct my Credit Report! How many letters do I have to send to the Credit Bureaus for them to actually do their job? Under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. The following accounts and inaccurate address are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately : XXXX XXXXXXXX XXXXXXXX XXXX Balance {$11000.00} ; XXXX XXXX XXXX XXXX  Balance {$3300.00} ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notifications regarding my credit report regarding the below items which are not mine and are either a result of fraud or a mistake : With TransUnion there is an inquiry from XXXX XXXX on XX/XX/XXXX. This was not me. 

With XXXX there are inquiries from the following which were not me : XXXXXXXX   XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX   XX/XX/XXXX With XXXX the following inquiries XXXX/XXXX  XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX and XXXX  account and a medical bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : IRS 1099-C Form Received for XXXX Account in Dispute I contacted the three major bureaus, Equifax, XXXX, and XXXX, and they did not respond for more than 45 days, despite three attempts to contact them via mail. 

XXXX sent me the last letter on XX/XX/XXXX, and I haven't heard from Equifax or XXXX since. 

XXXX XXXX ( XXXX ) agreed to let me settle my account for {$5000.00}. I received a 1099-C for Debt Cancellation for the remaining {$10000.00} balance, which will be reported as additional income on my XXXX federal income tax return. 

This XXXX account is currently listed as " Paid '' on XXXX but " Derogatory '' on XXXX and Equifax. 

When I sent my dispute letters to these XXXXhree major bureaus, I attached the settlement documents I had with XXXX, and it appears that they just trashed it. 

I am aware that federal law requires these three major bureaus to respond within thirty ( 30 ) days, but they have not. 
I understand that the Federal Trade Commission investigates credit reporting agencies that fail to comply with these federal regulations ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with them in order to file a complaint with you. 

I tried to remind them that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.Nov 14,1995 ), they could be held accountable for willful non - compliance. 

Please keep the following dates in mind when I sent them my dispute letters : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Your assistance will be greatly appreciated, as their negligence and noncompliance have a negative impact on my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has listed one debt split into two as a new debt for {$260.00} each. A very old medical debt from 6 years ago. I was very ill at the time and had no insurance. A medical debt they are not willing to settle with me and listed on my report almost 6 years now.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

My wife made an online purchase for a diet supplement product from a Company called XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We have been billed {$250.00} and received nothing for it. They sent us two packages and we have worked with our postal carrier to refuse delivery and return them to sender, since we did not want them. Company does not make it easy to take advantage of their so-called " money-back guarantee '' - or any attempts to cancel purchases, or the whole program. All attempts to contact customer service has either resulted in no calls being answered after more than 12 minutes on hold, a direct disconnect from agent, after he found out a disputed was " in-process. '' We have been working with AMEX to reverse multiple charges from this company without success. We have worked with AMEX to close my wife 's account and have a card reissued with a new number. We put stops on all reoccurring charges, but they change company names and merchant numbers and resubmit charges by stating to AMEX " card on file '' to avoid the fact that her old card number doesn't work and she has a new number. 

This company is a well documented scam and fraud ( see this UDL XXXX XXXX XXXX  XXXX ). 

Please help with AMEX and / or this company. Thanks.
Product: Credit reporting or other personal consumer reports

For countless years i've disputed with this company and the credit bureaus and the original creditor. this account is not mines i did not live at the address this account was opened during the coronavirus pandemic i have already put in for identity theft during that time and ive also had the address removed from any credit reporting sites that i could access myself. i did not claim this debt i do not own this debt i have even tried negotiating with the debt collector and they will not remove the negative charge even if money is paid i have explained that it is setting my report back and still they companies will not work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed  below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting

I have tried to correct the errors through TransUnion Online Dispute site, but the site does not function properly and I am getting nowhere. There does not appear to be other any way to contact them. They are including my ex-husbands information as mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is in a violation pursuant to section 623 of the FCRA, Its been past XXXX plus for this investigation
Product: Debt collection

Purchased two XXXX around XX/XX/XXXX. XXXX, a company that does not exist anymore, claimed I owed them {$1400.00}. Never took me to court. Neither has debt buyer, Jefferson. Now the debt buyer claims that I owe {$1400.00} for one phone. Not true. 

I honored the two-year ( XXXX ) purchase agreement. Regardless to XXXX failing to honor their buyout incentive that they offered to get me to buy from them instead of staying with XXXX XXXX XXXX ( who I returned to after dealing with XXXX ). My phone bills were outrageous ( $ XXXX every month for two phones ), but I still paid. My contract was completed by XX/XX/XXXX. I never signed a new purchase agreement with XXXX. Or XXXX as it exists presently. At one point, a then-XXXX rep told me that the company just automatically renewed my agreement!? I signed for the first agreement. I did not sign for another contract with XXXX. I do NOT owe them {$1400.00} for 1-2 XXXX. XXXX was ripping people off!!! 

Debt buyer, XXXX, showed up on my credit report around XX/XX/XXXX. It will stay on my record until the end of this year ( XXXX XXXX ). Why? I dont owe {$1400.00} to XXXX or debt collector, Jefferson .
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XX/XX/2020 I started the pre-approval process with XXXX for a mortgage however, they informed me that when they attempted to access my Equifax credit report, they received error code XXXX and advised me to contact Equifax to resolve the issue. I contacted Equifax and they were unable to verify my information and advised to fax my drivers license, social security card, most recent utility bill, and a cover letter to the following fax number : XXXX and that it would take 5-7 business days to update my information. 

On XXXX XX/XX/2020, I sent the requested documents. I waited 5 days before contacting Equifax telephonically, to verify receipt of my document. They had not received it. I contacted a representative again after 7 days from the fax date and they still had not received my documents. I faxed my documents again on XXXX XX/XX/2020. Simultaneously to sending the first fax, I also went to XXXX and attempted to create an account and received error code " NH '' upon entering my information. I attempted to enter a different variety of previous addresses, in case they didn't have the most current information on my account. Every time, I received the same error code. 

I spoke with two Equifax representatives on XXXX XXXX 2020, 10 business days after my initial fax and they still had not processed my documents nor could they provide me with any information regarding my account. They suggested I didn't have a credit history during the phone call, at which point I reviewed my lenders over the prior decade as provided from my XXXX report. I provide 4 previous addresses I'd lived at. The representatives each recommended that I fax in the documents I'd already faxed in. I informed them that I'd already done that twice. They said that they hadn't received the documents, despite confirming the number that I'd faxed them to as read off of the fax transmission verification report. 

No representative has been able to confirm what is wrong with my Equifax account or that it even exists. Equifax has failed to process my documents within the timeframe they allotted to have them processed. Equifax is preventing me from applying for a loan.
Product: Student loan

Due to Covid my student loans have a {$0.00} balance due and 0 % interest rate. I have never missed a payment and have paid the full balance every month. Despite this, MyFedLoan is now reporting a " past due balance '' every month of {$0.00} instead of " paid as agreed ''. 

This is causing my credit score to plummet.
Product: Debt collection

LVNV FUNDING LLC has contacted me through mail stating that I owe LVNV FUNDING LLC. I have never done business with LVNV FUNDING LLC nor signed any contracts obligating me to do business with LVNV FUNDING.
Product: Credit reporting or other personal consumer reports

Recently I pulled my credit report because i was denied for auto refinance and was curious why. To my surprise I noticed a few errors not limited to my social security number being listed wrong on my XXXX credit report, multiple inquiries I did not approve, accounts that are now in collections that I did not approve and late payments that are not validated. I need the accounts attached to the incorrect social security number deleted and my social updated to the correct. Also, any fraudulent accounts now in collections also need to be deleted due to fraudulent activity and not being validated. 

In accordance with the Fair Credit Reporting Act ( XXXX XXXX ) ( Account XXXX XXXX XXXX XXXX XXXX XXXX  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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I inherited solar panels on my house when I purchased it in XXXX. The solar panels are leased through XXXX XXXX. I have had multiple problems being able to pay my bill to XXXX XXXX throughout the time I have owned this house. 

I was setup on autopay with my credit card, but they suddenly stopped processing my payments without notifying me. My paper bills still stated on the front that I was still enrolled in autopay and that my bill was informational only, however they were adding late fees hidden on the back of my bill. I called multiple times, waited on hold for multiple hours until I finally got someone to help sort out the problem and waive the late fees. I re-enrolled in autopay with the same credit card they suddenly stopped using. I had also tried to login to their online portal to pay my bill, but the amounts showed differently than my paper bills. The person on the phone said that is " normal '' and that I need to only pay attention to what is on my paper bill. 

Again in early XXXX autopay stopped working. I called multiple times again and could not get ahold of anyone. Eventually the line would just say that someone will call me back tomorrow, but they never did. I emailed multiple times starting on XX/XX/XXXX and they did not respond until XX/XX/XXXX. Eventually I did get ahold of someone to pay my bill, but obviously it was past the due date. 

Now XXXX XXXX has reported to the credit bureaus that I paid my bill late and my credit score has dropped from XXXX to XXXX. This is causing me financial hardship, as I need to purchase a new car and my lower credit score affects the interest rate I can get from a lender. I need XXXX XXXX to correct their reporting to the credit bureaus so it does not show that I had a late payment. I made every attempt to pay my bill through autopay, online portal, and via phone call but they would not take it.
Product: Checking or savings account

XXXX XXXX keeps charging my checking account every month for services I can not receive because the company is closed. I call XXXX XXXX  and no one answers the phone. I have contacted capital one to stop the charges but capital one is still taking money out of my checking account {$35.00} evey month.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX & Account Number : XXXX Please remove it from my credit report. 
4. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX Account Number : XXXX Please remove it from my credit report. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, today is XX/XX/XXXX I noticed on my credit report there are some inaccurate things on my XXXX  that shouldn't be there. Maybe they are also on the other credit agencies also I am unsure. I called the company and explained it was fraud a while back and they said they would remove it due to the fact i never signed anything and have no knowledge of the erroneous inquiry 's there talking about. There is a company XXXX XXXX XXXX keeps running my credit score i will give you the dates now. I told them to block my name from there system as it's not me requesting here are the dates. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am unsure how this keeps happening and I was told by customer service months ago and today this would all be taken care of. I do not believe them. I was told by a friend to come here that you guys fix inaccurate information. I never authorized all those hard inquires. Have no knowledge of it.
Product: Debt collection

On XXXX XXXX, a settlement with my previous landlords attorney to break lease without penalty due to roach infestation. I agreed to the terms the following day but never received any confirmation of my response. On XXXX XXXX I emailed the landlord to agree to the terms of the lease break settlement and prepared to move out on the date agreed on. However the landlord filed eviction behind our backs. We went to court on XX/XX/2022 and a judgment for nonpayment of rent for two months in the amount of {$3800.00} was granted in favor of the landlord but they had to adhere to all terms of the settlement. I moved out on XXXX XXXX. A month later I received a letter from collection agency NCAC alleging that we owed {$11000.00}. I contacted a community legal service and with the support of the lawyer she assured me that I am only required to pay the amount ordered by the court. After showing documentation of the settlement the collections agency refused to acknowledge the document and said I needed more proof or they would report it to the credit bureau. They have quoted me 3 different amounts and though I have submitted sufficient documentation, they are still refusing to correct the amount I owe them. I have been trying to pay the amount owed to them for months as the rental judgment is affecting my ability to find adequate housing. I have been homeless with my family since being evicted from this property and trying to pay the judgment has been the main obstacle to safe and affordable housing.
Product: Vehicle loan or lease

I am writing to formally express my dissatisfaction with Ally Financials handling of my lease extension request, which has resulted in unexpected daily fees and significant inconvenience. The sequence of events demonstrates poor communication and a lack of transparency, leading to what I believe are unfair charges.

Background I requested a 30-day lease extension to address repairs for a recalled part on my vehicle. Based on my interactions with Ally representatives, I believed that the lease extension had been approved.

However, I was surprised to receive a call from Ally weeks later, asking for the vehicles return. This was the first indication I had that my extension request had been denied.

Without any notification or explanation of the denial, I was subsequently charged daily extension fees, which I had not agreed to and were applied without my knowledge or consent.

Issues Lack of Notification on Lease Extension Denial I was not informed that my request for a 30-day lease extension was denied. This lapse in communication led me to believe that the extension was in place, causing confusion and financial repercussions when additional fees were charged.

Unfair and Unexpected Fees After learning of the denied extension, I was charged daily extension fees retroactively. These fees are unreasonable given that I acted in good faith, believing the extension had been approved.

Poor Customer Communication Allys failure to clearly communicate the status of my request left me blindsided by the charges and disrupted my ability to plan accordingly. This reflects a lack of transparency and customer care.