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

I am writing this due to non-compliance with the CRA ( Transunion ). They have failed to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they failed to provide the method of verification as required under Section 611 ( a ) ( 7 ), which includes, but not limited to the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when they initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. The company came back and said that the accounts are accurate but have not produced any documents. I wrote them, along with a copy of my credit report outlining the inaccurate information. I don't believe that they did a proper investigation in this matter. These were some blatant inaccuracies and violations on my credit report per FCRA. My file # is XXXX Note : This is my second complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED SEVERAL TIMES TO GET THE INACCURATE NON FACTUAL, 2 PREVIOUS ADRESSES ON MY FILE. THIS IS SO FRUSTRATING AND NEEDS TO BE DELETED NOW, I NEVER LIVED THERE
Product: Debt collection

I moved out of XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and paid a buyout fee of {$2500.00} as agreed. However, the collection agency is attempting to collect additional charges, including rent for XX/XX/XXXX, which I do not owe. They also added extra fees, including cleaning and carpet repair costs, even though the carpet was fine and was not replaced due to me. I specifically requested receipts and documentation for these charges, but they never provided them. I disputed the debt with them and requested validation, but they still reported it to the credit bureaus without proper proof. I also sent a cease and desist letter on XX/XX/XXXX, yet they continue to pursue collection. I am requesting that this incorrect debt be removed from my credit report and that the collection agency stops their collection efforts.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and delete them immediately in my report : 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
Product: Money transfer, virtual currency, or money service

Optum is the XXXX XXXX for my employer. I added a bank account for reimbursement of a procedure for my husband on their website XXXX. I waited the XXXX days and as of XXXX there were no test deposits to initiate a claim for reimbursement for the procedure. Each employee including supervisors provide different information. The supervisor XXXX that I spoke with on XXXX advised there was an issue and the account should have been confirmed. He offered to send the payment to me overnight if the bank account wasn't confirmed once the claim was processed or I could change the account and within 3 days see the test deposit. On XXXX, I changed to a XXXX bank account and here it is XXXX there has been no test deposits. On XXXX the uploaded receipt was sent and email to XXXX XXXX requesting a paper check overnighted to me. The claim was approved and a check has been issued without any response from XXXX XXXX XXXX XXXX she would get back to me and XXXX XXXX dated XXXX noted Monday ) with the overnight information. This company has been very hard to deal with. Everyone provides different information as timeframe and I paid for services yet the company has yet to reimburse me which is what they are holding funds for. I would like my payment sent to me overnight as I was told and it is now XXXX with no response from XXXX whose email notes she would respond XXXX. They have been incompetent in answering basic questions and finding the issue in their system to link bank accounts to receive funds quicker than a paper check in this modern time. I have screenshots the banking information is correct yet not receiving any deposits which is on the companies side not mine.
Product: Mortgage

Since XX/XX/XXXX, our mortgage company has not refunded us the full amount of our XXXX  property tax money of {$4200.00} we paid with interest. The company was sending our property tax funds to the wrong town. That put a lien on our home so we paid out of our pockets to remove the lien. The company still is delinquent in our XXXX   taxes and we now owe {$4300.00}. They have been sending checks to the town of XXXX and we live in the XXXX XXXX XXXX. We have been trying to correct this issue since XX/XX/XXXX. The town of XXXX has been trying to get in contact with our mortgage company as well when we contacted them about our checks being sent to them instead of XXXX. XXXX XXXX XXXX stated they can refund us our XXXX   taxes but needed written authorization from our mortgage company which did not authorize since they work with a third party that handles our escrow account. This has been a nightmare dealing with AmeriHome and all they do is open a work order and close the work order without a resolution. We have called numerous times to resolve issue and not resolved.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX ID number XXXX, who was previously a partner of the company XXXX XXXX XXXX and who sold me her 50 % of the company in XX/XX/XXXX, traveled to XXXX with premeditation and fraud to take advantage of the fact that that the company changes that were made to the XXXX XXXX XXXX XXXX XXXX  Department of State in XX/XX/XXXX had not yet been reflected and that she still remained authorized in the bank accounts while the information was updated and she was removed, and on XX/XX/XXXX, she went to a WELLS FARGO BANK branch in XXXX and transferred a total of {$65000.00} dollars to an account under her name at the XXXX  XXXX bank in XXXX XXXX and in addition to this she made a purchase for {$4000.00} dollars.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX on XXXX/XXXX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$18000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I AM FILING THIS COMPLAINT BECAUSE I AM DISPUTING THAT THE INFORMATION IS NOT ACCURATE ON MY CREDIT REPORT AGAINST TRANSUNION.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # has violated my right 15 U.S.A.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!

Attached is a document from The United States Bankruptcy Court that states they do no report this information to the three bureaus so how is it that this information is reporting to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issues were not addressed. I asked the credit bureaus to verify all items on my report, and they did. They stated that everything was accurate without providing proof. I provided all the accounts and highlighted the inaccuracies. Under the FCRA, bureaus are required to have a copy of the original creditors documentation on file to verify that the information is mine, and also correct. They are supposed to provide original copy 's with my signature as verification. None of the three bureaus, Experian, XXXX, or XXXX Provided this information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Have requested proof of debt for years and till this day never received it. 

XXXX XXXXXXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Have requested proof of debt for years and till this day never received it. 


XXXX XXXX XXXX XXXX XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Have requested proof of debt for years and till this day never received it. 

XXXXXXXX XXXX XXXX XXXXXXXX Have submit for them to provide proof of investigation plenty of times and till this day have never got the proof. This should have fallen off my report years ago. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX investigated this dispute and deleted this item from my credit report. Then transferred to other credit bureau reports under a different company. 

XXXX XXXX XXXX XXXXXXXX Equifax investigated this dispute and deleted this item from my credit report. Then transferred to other credit bureau reports under a different company. 

Most of these accounts were already removed, and deleted from my reports through Equifax, XXXX, & XXXX. Then a few weeks or months go by and they reappear as a different account on my credit reports. I have been resubmitting these reports for years and still no proof of investigations. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

" The Work Number '' provided inaccurate information to an potential employer. I called to report this and they used that same wrong information to attempt to verify my identity. Since I did not know the correct wrong answer, they did not do anything. By refusing to conduct any investigation, they violated the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX XXXX credit card I signed up in XX/XX/2023 for a special payment plan where you wont be charged no late fee no interest so my payment was XXXX paid on time every month XXXX XXXX # XXXX and she assured as long as your payment made on time there will not be a negative report! XX/XX/XXXX my pay was due XXXX I called and spoke to ms. XXXX and stated as long as you pay by the XXXX of each month youre good! XXXX I received a dig in my credit saying thirty day late and immediately called and spoke with XXXX # XXXX Manager he stated the reason why this occurs when the month is a shorter month which is XXXX and it will report late will especially if thats your cut off date for statements to close I do my best to have this removed from if you look I never been late with this XXXX since I signed upon this plan now they wont accommodate there mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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 or other personal consumer reports

To anyone who can assist me at the CFPB, I hope this message finds you well. I'm writing to share my concerns about the unresolved issues with my credit report. Back on XX/XX/2024, I took the step of sending a formal letter addressing several inaccuracies and unknown inquiries that have been haunting my credit profile. Sadly, despite waiting patiently for over 52 days, I haven't received any acknowledgment or resolution from the credit bureaus. 

This prolonged silence has left me feeling frustrated and a bit lost. These inaccuracies aren't just numbers on a report ; they're affecting my everyday life. I've noticed several collections on my credit report reporting inaccurately, leading to denials for essential services and unfair increases in interest rates. The impact isn't just financial ; it's taking a toll on my dreams of buying a home and growing my business, responsibilities I hold dear as the primary provider for my family. 

I've done everything I can to address these issues, diligently disputing accounts and inquiries. However, despite my efforts, I haven't received any substantial evidence for their verification. It's disheartening to see Section 611 ( a ) of the Fair Credit Reporting Act overlooked, which mandates the removal of items not investigated within 30 days. Given that it's been over 52 days without any resolution, I feel compelled to demand the immediate deletion of these erroneous accounts to restore the accuracy of my credit profile. 

Beyond my personal situation, I'm deeply concerned about the broader implications of these inaccuracies. Maintaining accurate consumer reports isn't just about me ; it's crucial for the health of our economy. This negligence erodes consumer confidence and slows down economic progress. As a responsible consumer, I believe in the importance of timely and accurate reporting, and I trust that you share this belief. 

I'm reaching out with hope and a firm belief in your commitment to consumer rights. I urge the credit bureaus to take swift action to rectify these issues and remove the inaccurate accounts from my credit report. Failing to do so will leave me with no choice but to explore legal options to address the stress and hardship caused by their negligence. 

Thank you for taking the time to listen to my concerns. I'm optimistic about a swift and satisfactory resolution that upholds the integrity of the credit reporting system and protects consumer rights. 

Warm regards,
Product: Payday loan, title loan, or personal loan

This company has been unfair in their business practices. Theyre high rates for interest and coupled by the fact that the bank, XXXX, attempts to shelter their shady practices through separate entities such as OppLoans. This bank is not reputable and skirts banking regulations to take advantage of low income people. I attempted to setup a more manageable plane with them and their response was you signed up for it, it is your fault is very concerning.
Product: Credit reporting or other personal consumer reports

XXXX requested by mail response to submit 2 items for proof of identity, 4 times dates XXXX XXXX XXXX XXXX. I sent a copy of my SSN card, credit card statement with my name and current address, utility bill with name and current address " as requested '' all 4 times. All 4 times I get a repeated letter in return, requesting the very same items I previously sent in to the address given on the their letter, which is a stall tactic with no result of correction to the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Santander Consumer, USA NUMEROUS times to cease and desist communication with me and to discontinue reporting ANY AND ALL updates to the three credit bureaus effecting my score as they 've secured their vehicle a long time ago. Santander is constantly reporting late payments each month to the bureaus when I have not had possession of their vehicle and the account was charged off XXXX XXXX. In addition to that, they 're reporting a new address for me as XXXX XXXX XXXX, I HAVE NEVER LIVED HERE! I 'm tired of them holding my credit score hostage while I am actively trying to rebuild and reestablish myself. Santander is making it extremely difficult to move forward by literally harassing me about an account that is closed. Please investigate this matter promptly, my next step is to file a law suit against them, thank you.
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 XXXX XXXX XXXX. 


Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/year> XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 reporting, credit repair services, or other personal consumer reports

accounts are closed by the companies, when I received my reports back from bereaus via Transunion, XXXX and XXXX
Product: Debt collection

RE : Cease and Desist MIDLAND CREDIT MANAG currently has an account listed on my consumer report that is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in the appropriate court venue for damages related to fraudulently trying to collect on a debt that I do not owe. I have never contracted with this company, and I am demanding verification of such alleged debt. Verification is defined as a formal declaration made in the presence of an authorized officer such as a notary public under oath but in the presence of such an officer whereby one swears to the truth of the statements in the document XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also demand proof that this corporation provides proof that I signed a contract with them. Any further attempt to collect is a federal crime under 18 USC 894 as this company is attempting to collect on an extension credit. Since you will not be able to prove that I owe your company any money, I demand the following account be immediately removed from my consumer report as this information is harming my credit reputation. The account is as follows : XXXX XXXX - MIDLAND CREDIT MANAG within 30 days from receipt of this notice.
Product: Payday loan

Between XXXX and XXXX I received three calls from an unavailable number ( one call being before XXXX ). He stated his name was XXXX XXXX, a legal courier. He did not mention the name of his office, but stated he would be serving me papers either at my residence or place of business on XXXX. I was advised to call XXXX re : claim # XXXX. 

When I called the number I was told that because of an outstanding payday loan to XXXX I was to be charged with " bank fraud ''. But the attorney would be willing to settle my case for XXXX split into 2 payments. 

I was nervous and not yet done my due diligence so I provided a debit card and sent the approval forms. However after doing so I realized that this was not legal nor did it make sense. I took out a payday loan w/ XXXX, but thought it was repaid. And have received zero communication. Plus the loan amount was {$250.00} with a fee of {$45.00}. 

I called back and left numerous messages that they a ) needed to provide details to the account and b ) could not take the money from me and c ) if they did I would dispute to my bank. Additionally I emailed regarding the same. The three times I called were during their noted business hours and my call was redirected into an unknown voicemail each time. 

I will be disputing the charges to my bank today as they did withdraw the money.