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

I submitted disputes on XXXX and XXXX of XXXX and have not received anything but the standard its been verified letter from only one of the bureaus. Not once did any of the credit bureaus send me verifiable documents showing that these accounts should be on my report. These accounts I have disputed should not be on my report and I want them removed immediately if they can not furnish me with the documents I have requested. As a consumer it is my right under the Fair Credit Act to request 100 % viable proof that those accounts disputed belong to me. If this is not done, the credit reporting agency MUST DELETE THE ACCOUNTS. I am asking that the accounts listed in my disputes to XXXX XXXX - XXXX and Experian be deleted immediately as they have taken well over the time frame and have not provided me with any kind of proof whatsoever.
Product: Money transfer, virtual currency, or money service

Citibank has not acknowledged in writing my report of the fraudulent wire transfer on XX/XX/year> for {$30000.00}. On XX/XX/year> the same bank and account number made a {$470.00} deposit to my account, which I imagine means the fraud account is still operating. I would think if Citibank was investigating as I was told, the fraudulent account would be closed or not able to deposit into my account.
Product: Debt collection

I received a work email from my company 's human resources department stating that they had received the following pay deductions for me. I have had no dealings with that Credit Union since XXXX, that would be XXXX years ago. That would place any and all accounts & debts well past the Kanas Statue of Limitation for debt collection. I have contacted XXXX XXXX XXXX, Butler & Associates, PA and requested all details multiple times and have received nothing. Thus far, they have wrongfully and illegally collected {$3000.00} have yet to communicate or respond to my inquires. I will be forced to counter-sue for damages, as I have overdrafted my other accounts because of this illegal action. My wife lost her job due to covid while she was pregnant and has been unable to gain another employment opportunity and in addition we have a XXXX month old to take care of. I have included the only correspondence that I have received below and this is from my companies HR department. 

XXXX XXXX XXXX XXXX XXXX, Kansas XXXX # XXXX Judgement Creditor : Credit XXXX of XXXX XXXX for XXXX XXXX : XXXX XXXX XXXX, Butler & Associates, PA XXXX XXXX : {$4300.00} ( plus interest and costs ) Amount to Withhold : {$380.00} Contact Information : XXXX This deduction will take effect on the XX/XX/XXXX pay and will be ongoing until the amount is paid or the garnishment is released. 

Please let me know if you have any questions.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. 
The inaccuracies are highly injurious to my XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Why is there a balance being reported??? 


Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit card or prepaid card

On XX/XX/2022 I did a balance transfer from Citi Rewards credit card in the amount of {$1500.00} to pay off a high interest credit card and within a few days saw that it was not being applied to to the card intended. I have called customer service at Citi and chatted on line with them since day 3 of the transfer and can not get any resolution from them on this matter. I myself with what information I could get from them about where the money went to have tracked down the money and spoke to the controller for that company which is a Rental Mgmt Company and she has tried to help but Citi Rewards will not call her or send her the information she needs to pull the money from a " quick pay lock box for one of their tenants which by the way has verified to her that the {$1500.00} is not his money. This lady says she needs to speak to the Citi that made the transfer to get proper documents to resolve this but Citi has not made any attempt to call her or email her to resolve this. I have given them her name, email and phone number ( including the name of her tenant they incorrectly transfered the money to ) numerous times and nothing is done by Citi. I am lost at anything else I can do. I have been Calling and chatting with them for almost 2 months now and get nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Act. Everything has to be 100 % accurate on my credit report. 
XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act. 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

If you don't expeditiously wipe out this misguided and divided information, I will record an appropriate complaint with the FTC. 
Furthermore, I intend to search for change in like manner movement, for recover of damages, costs, and legal counselor 's charges, would it be really smart for you continue in your cognizant block of the law. Hence, I am circumspectly detailing these events, including the shortfall of response REQUIRED under guideline from you. 
Besides, generously give the name, address, and telephone number of each credit grantor or other ally. 
Under unofficial law, you had XXXX  days to complete your reevaluation, yet you have forgotten to respond. Your continued with delays are inexcusable. 
Be instructed that the portrayal in regards to the framework used to conclude the precision and perfection of the information is subsequently referenced likewise, to be allowed inside XXXX  days of the completing of your reconsideration.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX, DEPT OF EDXXXX, AND XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX, DEPT OF EDXXXX, AND XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Open an credit line with XXXX. Payments on auto. Payment was blocked for insufficient funds to my surprise. There was a mistake on account on my end. Called weeks later to fix, told be rep no record of such an amount owed or actions taken on said mistakenly missed payment. Report on credit report as delinquent. I called in shock as I was told the payment missed could not be found, called, asked for investigation, was said would happen, fixed the payments missed, was told no record of investigation taking place or filed on my behalf. Operator apparently lied to me! Credit negatively effected unfairly! Tried to fix payment before delinquency occurred but told no record of such payment due. Phone call recording would prove all I say but no investigation done as I was told would be done! Dropped credit line from XXXX to XXXX while XXXX owed at a time when other creditor increased line of credit! Most importantly, delinquent report should not have happened as I reached out to fix issue and in turn given wrong information and lied to about request for investigation! More importantly, creditors online app for payments which caused days delay and return payments and yet they still deemed me delinquent! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX
Product: Debt collection

Received a letter saying I owe {$7200.00} to one main financial and Ive never had an account with them.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to remove inaccurate and incomplete information from my credit report, despite my numerous attempts to dispute these errors through online, phone, and mail disputes. 

TransUnion has failed to conduct a proper investigation, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). Consumers have the right to an accurate credit report, yet TransUnion continues to report erroneous information even after multiple dispute attempts. This issue is not unique to my case, as many consumers have reported similar complaints regarding TransUnions failure to conduct proper investigations. 

Disputed Accounts That Must Be Immediately and Permanently Removed : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Debt collection

On XX/XX/2021 I received a letter from American XXXX XXXX XXXX XXXX XXXX XXXX in regards to the collection of a debt for {$8900.00}. After I reviewed and investigating this communiction, I discovered that this communication violated Federal Debt Collection Protection Act ( FDCPA ) 15 U.S. Code 1692c ( a ). I did not give XXXX prior consent to any communication with me. XXXX failed to provde me with any signed agreement that gave thm authorization to collet any amount in regards to this debt as per my dispute letter mailed on XX/XX/2021. This is a violation of FDCPA 15 U.S. Code 1692f. These actions lead me to believe that XXXX is participating in deceptive actions and is in violaiton of FDCPA 15 U.S. Code 1692j. I feel that these actiosn are also a form of harassment nad violates 15 U.S. Code 1692d. 

I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX NY XXXX, in regards to the collection of a debt for {$8900.00}. This communication violated Federal Debt Collection Protection Act ( FDCPA ) 15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ... I did not give XXXX prior consent to any communication with me. 

After I disputed this alleged debt with XXXX, XXXX failed to provde me with any signed agreement that gave thm authorization to collet any amount in regards to this debt as per my dispute letters mailed on XX/XX/2021, and XX/XX/2021. This is a violation of FDCPA 15 U.S. Code 1692f ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

These actions lead me to believe that XXXX is participating in deceptive actions and is in violaiton of FDCPA 15 U.S. Code 1692j ( a ) ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

I feel that these actiosn are also a form of harassment nad violates 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called Experian on several occasions for about this months credit score not showing. Ive been told I have to have 3 active accounts to receive a score ( false ) Ive been told that I had no activity reported to Experian without the last 6 months ( false ) XXXX XXXX XXXX XXXX reports my credit card to all 3 credit agencies every XXXX or XXXX of the month. This is holding up my mortgage lenders giving me a pre approval amount for a house because theres no available score. I had a score last month but not this month. Unscoreable is what pops up on my Experian ( account ) website CAN YOU PLEASE HELP ME GET MY SCORE!?
Product: Debt collection

I have had oral and written communications with Receivables Management Systems ( " RMS '' ) numerous times at the beginning of them placing a medical debt payment on my credit report ( XX/XX/XXXX ) and as recent as of XX/XX/XXXX. I do not and have never had a written contract with RMS to pay them anything and have denied over and over again owing the medical debt they are repeatedly asking me for. They claim that the debt was purchased from XXXX XXXX. I had a contract with XXXX XXXX, but my insurance company paid that off in either XX/XX/XXXX or XX/XX/XXXX. I DO NOT HAVE A CONTRACT WITH RMS and never signed or agreed to pay them anything. have even hired XXXX XXXX XXXX to get their assistance in removing the duplicate collection payments from all three credit reporting bureaus. Once XXXX XXXX XXXX got involved, instead of RMS deleting the collection data from my credit reports, they placed a duplicate collection on my reports showing that I owe {$0.00} and that payment was received. However, the original collection they put on my reports is still there and shows on my reports as an additional collection, with a new start date as of XX/XX/XXXX ( starting the seven year removal cycle all over again ). This has turned from bad to worse because it is showing up on my reports as a new collection debt and has lowered my credit scores by an average of 22 points. RMS has been playing games and have been very uncooperative. They just wo n't budge and seem to enjoy doing detriment to my credit score, even though they can not produce any papers showing that I have an agreement with them to pay them anything. I want all of their collection debt information deleted from all 3 credit reporting agencies immediately. I realize how important good credit is and have been working extremely hard to improve all aspects of my credit. Negative 22 points is a large set back to be placed on anyone 's credit and especially if it 's not valid or proven. <P/>Please help me get this bogus medical debt removed from my reports. You are my last resort to getting this officially taken care of once and for all. <P/>Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Request for Investigation Account # XXXX I am writing to formally dispute the reporting of the account referenced above as it appears on my credit reports provided by XXXX, XXXX, and Equifax. The discrepancies between the information reported by these bureaus, along with Equifax 's documented history of inadequate investigation practices, necessitate immediate attention. 

Issues Identified : Balance Discrepancy : XXXX reports a {$0.00} balance, while XXXX and Equifax report {$1500.00}. 
Terms and Payment Frequency : XXXX lists terms as " Monthly, '' XXXX as " XXXX  Months, '' and Equifax as " Weekly ( due every week ). '' High Credit Amount : XXXX lists {$1500.00}, while XXXX reports {$1600.00}. Equifax does not include this information. 
Date of XXXX XXXX and XXXX XXXX : Dates are inconsistent across all bureaus. XXXX and XXXX list different timelines compared to Equifax. 

Comments : XXXX notes " Dispute resolved; customer disagrees, '' but Equifax states " CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS. '' XXXX lacks any comments. 
Request for Investigation and Correction : I am requesting a thorough investigation into the discrepancies outlined above. Please take the following steps : Verify the accuracy of the reported information with XXXX XXXX. 
Provide documentation to support the charge-off, balance, and other account details. 
Correct all inconsistencies, including balance, payment frequency, high credit, and comments. 
Remove any information that can not be verified.
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely UPDATED : 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