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

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

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX , NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting

The following company XXXX XXXX XXXX XXXX has placed their name on my Equifax credit report fraudulent. I requested validation of this debt, however the address on my credit file is bogus. The USPS returned my dispute in reference to this alleged debt, as undeliverable. Every time I dispute this account with Equifax it comes back as " verified '' I can not recall ever doing business with this company.
Product: Debt collection

As of XX/XX/2023 I were charged a settled debt in the amount of {$1100.00} by an unknown debt collection agency " XXXX XXXX XXXX ''. The company has never attempted to make contact about the debt and should not attempt contact ot charging my credit report in a negative manor for a resolved debt. I have no knowledge of this creditor and I've disputed this debt on numerous occasions but creditors keeps selling the debt and charging my credit report to the point of having to invest into a locksafe file.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00}
Product: Debt collection

dispute this account multiple times via certified mail, Equifax & XXXX  showing two vast different account with same account number, but keep claiming it was verified. Law is clear account have to be 100 percent accurate, and these account is vastly different if your sources the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX DOB XXXX SS XXXX please delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. please remove the following addresses from my credit report they are not accurate please remove delete ASAP :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. I AM HAVING ISSUE WITH MULTIPLES OF NAME VARIATIONS APPEARING ON MY FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : On XX/XX/XXXX, TransUnion received my follow up letter via certified mail ( see attachment ). This follow-up letter was in regards, to my fourth letter dated XX/XX/XXXX, regarding your refusal to delete unverified information and unauthorize inquiries from my credit report. As of today XX/XX/XXXX, TransUnion has not responded to my request. 

Despite five written requests, the unverified information listed in my letters still remains on my credit report. By not replying in a timely manner to my fourth letter dated XX/XX/XXXX ( which you received on XX/XX/XXXX, via certified mail ), and my fifth letter dated XX/XX/XXXX ( which you received on XX/XX/XXXX, via certified mail ), TransUnion has not only violated federal law ( Fair Credit Reporting Act section 611 ) but has also failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. 

As TransUnion has now violated federal law, by not properly investigating and responding within the required timeframe, and I have evidence, via certified mail receipts, TransUnion must now promptly DELETE all unverified, unauthorize, inaccurate, or incomplete information from my credit report. 

Below are the unverified accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Below are the unauthorized inquiries : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX {$610.00} {$700.00} XXXX XXXX  {$610.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$530.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company XXXX XXXX XXXX service but they are closed. My loan was transferred to XXXX and my credit report shows the same amount for XXXX XXXX XXXX  and XXXX as if I own both loan services. I have also received a letter stating that my loan has been forgiven.
Product: Money transfer, virtual currency, or money service

I have an account with skrill that has close to XXXX $ in it from XXXX XXXX  online and they closed my account on me and will not let me get the funds I am not able to call the company and they will not email me back
Product: Debt collection

I have disputed this before. It was removed from my file and reinserted illegally back in XX/XX/XXXX. I was paying the original creditor and during this process they went out of business and gained new management. I owe this collection agency nothing. I never had a contract through them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you well. I am contacting you to discuss a troubling matter regarding my credit report. After a detailed review of my credit history, I've discovered discrepancies related to late payments associated with the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


These inaccuracies concerning late payments significantly distort my credit report. Therefore, I urge you to promptly correct this information. Enclosed are supporting documents such as bank statements and payment records verifying timely payments for the specified accounts.
Product: Credit reporting

I have several companies that are showing bad credit for accounts that are over 10 years old. All the negative remarks are wrong except for the medical debts that were acquired in the past 3 years everything else is well over 7 years old.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXXXXX Balance XXXX {$10000.00} XXXX XXXX XXXX Balance XXXX {$23000.00} XXXX Inquired on XX/XX/XXXXXXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX RESIDENT VERIFY Inquired on XXXX XXXX, XXXX
Product: Credit card or prepaid card

SP * XXXX XXXX XXXX XXXX {$500.00} Ref. XXXX I purchased camera bags from them. It supposed to arrive within 2-3 days. It never did. They then sent me an email that they shipped something 2 weeks later or so. I was not waiting at home. Then eventually I got message from XXXX saying " delivered ''. Nothing was there. Then I got another email from company, again shipping. I thought ok, maybe they reshipping the same item. It then said again dropped on the street in the middle of the day.By the time I got back, nothing was here. Checked with neighbors, they said nothing was delivered to them either. The street here is lets say like XXXX XXXX, lots of people, lots of XXXX as well. Its main street of the neighborhood which has lots of stores. XXXX drops it off on the street if signature is not required.And you can ask them not to do it, they dont care. Then I contacted XXXX to check if they could provide any details, they said, its most likely " misdelivered ''. I contacted American Express, filled a non receipt claim. Claim was denied each time. After initial claim, i got email from XXXX from XXXX. I explained what happened. No more correspondence was received. However, Amex again denied my claim. About two weeks ago I spoke with supervisor. Explained the situation, supervisor said that he or she fully understood the situation and putting the noted. Spent 2 hours on chat. This morning I am getting email, saying claim was denied again! 

So basically with Amex right now, I have to pay for packages that are not received. Chat customer service promises to resolve. Then few weeks later case is denied. And game starts over. Is this normal with billing resolutions? 

I even had XXXX charge dispute with them. XXXX gave me bill of XXXX $ for 1lb item. Billed me XXXX XXXX ( Ref. XXXX ) Disputed maybe 5 times. Provided copies of receipts. Explained situation each time. Said to use common sense that 1lb doesnot cost XXXX. Told them how to go through their website and it still gives same XXXX bill.. Ok Ok... we willl resolve it for you! DENIED! 

Could you please look into their practice of claims investigation? It does not seem right.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : 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 : INQUIRY : XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

XX/XX/XXXX got a letter from Radius Global out of XXXX, MN stating I owe XXXX XXXX XXXX XXXX! I have not had XXXX XXXX XXXX  have nothing to do with either company. I have exhausted all leads to get in contact with anyone at XXXX XXXX XXXX to help with this. I am told without a passcode, XXXX XXXX XXXX can not put this bogus account # in their system to bring up the account! That even sounds suspicious to me! I have jeopardized my personal info online trying to get this matter cleared up asap! Radius then flagged my credit reports which had brought them plummeting down! I do NOT know where any of this originated from, I just know I'm doing everything to get this resolved! I filed a police report on XX/XX/XXXX! This has made a significant impact on my overall health, as I spend almost all day everyday for an entire week worried, calling, etc. to get to the bottom of this! I tried last week reaching out to Global, in addition to the unprofessionalism, my instinct told me to not talk with them, so I hung up! They all had strong accents to make matters worse! I DID sent them a certified letter that should be received today, telling them to seize & desist from this and/or send me proof of any XXXX XXXX XXXX  statement. Anyone knows, that if you owe a company money monthly for a service, that you'd receive statements, messages in some fashion to " pay up ''. I have NEVER received NOT ONE THING from XXXX XXXX XXXX, because the account is NOT mine, never has been! I was taken back when my neighbor told me the same thing happened to her late XXXX ( it was a different debt collector though ), in the end, someone had opened an account that did NOT belong to them! Radius Globals reviews should sum this up! Many people state the same thing I'm saying, do NOT, NEVER had, XXXX XXXX XXXX account! XXXX XXXX XXXX has done XXXX, I've called many numbers, stopped at 2 local stores, got nothing accomplished, because I can not prove their PASSCODE! They went down the list of what they offer in services to see if I have any, I said NO to ALL of them. PLEASE HELP me, this has consumed an already stressed out older person ( me )! Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been reporting information that is not required by law .. according to 15 U.S. Code, 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX is breaking federal law by not receiving written consent from I the consumer before furnishing a report. XXXX is not following and willfully neglecting the aspect of an investigative consumer report. I have recently disputed an account with XXXX responded that an investigation with the furnisher has been initiated and I should wait for their response XXXX is the Consumer Reporting Agency Therefore they should be conducting an INVESTIGATIVE CONSUMER REPORT and disclosing said action XXXX is willfully neglecting federal law which has civil liability. According to 15 U.S. Code 1681a - Definitions ; rules of construction subsection D ( 2 ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; AND ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;. XXXX HAS WILLFULLY NONCOMPLIED WITH THIS SECTION by reporting transactions and approvals of credit by XXXX XXXX, XXXX XXXX and etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX - XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX  - XXXX
Product: Credit reporting or other personal consumer reports

This is to lodge a formal complaint regarding the persistent errors in my credit reports across all three major credit bureaus ( XXXX, XXXX, and TransUnion ). The inaccuracies remain unresolved despite multiple correspondences, including a copy of my driver 's license for verification. 

I request your assistance in ensuring that these errors are corrected promptly, as they are impacting my financial health. 

Thank you for your attention to this matter.
Product: Debt collection

1. I never did business with this company, CCS. Nor did I give anyone written permission to put anything on my credit profile. This company have no permissible purpose withmy private or personal information 2. Company failed to validate this account with a consumer application, a statement showing last payment made, charge-off statement and my signature ; a printout of the amount owed is not sufficient. 
3. This account is in collection activity and CAN NOT be reported to any CRA per FDCPA. 
4. Spoke to a rep at CCS, she stated letters was returned to the collection agency as '' undeliverable '' which this agency did not fulfill the requirements by law. 
5. This company was not able to prove it updated the address and delivered the notice as required by law and had an incorrect address at the time of placement.
Product: Debt collection

received a letter from XXXX XXXX XXXX XXXX concerning a debt from sun trust bank for XXXX i spoke to them on XXXX occasions concerning the issue. i informed them that this was do to fraudulent transactions. the debt collector was only concerned with getting a settlement of XXXX regardless of the issue. i also asked them for everything they had from sun trust but received nothing from them. they have ignored my request to dispute this debt.