23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against TRANSUNION Account Information : Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TRANSUNION has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress.

The violations committed by TRANSUNION include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information It is worth noting that XXXX has now removed this account from my credit report and has provided me with evidence of its removal. This highlights the lack of accuracy and consistency in the information reported across the three major credit bureaus. If XXXX has acknowledged that the information is incorrect, it is clear that TRANSUNION is failing to maintain the accuracy required by the FCRA. 
I formally request that this information and the related account be removed from my TRANSUNION credit report immediately, to ensure that the data reflected in my credit history is accurate and consistent with the other agencies. 

I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.
Product: Debt collection

Credit Acceptance Corporation fraudulently reported that a payment was made in XXXX of 2020 and then proceeded to report " missed payments '' since then. My understanding is that the account should have dropped off my report at 7 to 7 years and 6 months. It has now been on my report for 7 years and 8 months. Through research I've learned that sometimes companies will record a false payment which causes the 7 years on your report to start over. 

This was a vehicle we helped a family member get and they defaulted. I have been working hard to repair my credit since my divorce, but the actions of this company have been detrimental in repairing my score. In XX/XX/2020, my score dropped 123 points and has had minor drops with each reported " missed payment ''. I had filed a dispute with XXXX, but the company merely made a " correction '' to something and the " correction '' was made on my report. I'm not sure what that correction was, but it was not the issue I am dealing with. 

Here is the company info : CREDIT ACCEPTANCE CORPOR XXXX XXXX XXXX CREDIT DISPUTE DEPT XXXX, MI XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Reprting Following are the dates when the problem was disputed and is still not fixed nor have they sent me the proof that it is valid for XXXX XXXX XXXX Disputed the late payment posting of XX/XX/XXXX - 30 days late XX/XX/XXXX Disputed the late payment posting of XX/XX/XXXX - 60 days late XX/XX/XXXX Disputed the late payment posting of XX/XX/XXXX - 180 days late Disputed again on following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The porblem is not fixed yet nor have they mailed me the proof that the payment was late.
Product: Credit card

First of all I owed an certain amount on my credit card that was higher last month than this month. I paid a monthly payment that was less than this upcoming payment and owed more money last month than this month. Please see attached information.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX XX/XX/XXXX University XXXX XXXX, KY XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX did a unauthorized Inquiry to my credit report. the address of XXXX XXXX XXXX XXXX XXXX, Il. XXXX I have contacted XXXX fraud department, and called each company and this has not resolved anything, I've sent them letters as well.
Product: Credit reporting or other personal consumer reports

inquiries below are unauthorized and does not belong to me, there should only be 2 inquiries from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I receive daily emails about a XXXX line of credit, and this company says I owe them for it. I wish to stop receiving emails, usps mail, and any phone calls from XXXX XXXX or Plaza Services , LLC.
Product: Credit reporting or other personal consumer reports

TransUnion published a negative report on my credit report provided by a collections company called XXXX XXXX XXXX XXXX This collections company provided a report that is untrue and unverified by them. There are no court rulings or any other proof of this debt, which they claim is in the amount of {$340.00}. I do not understand why TransUnion would publish this without proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XXXX  and XXXX  did their jobs in no time. Experian on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Experian continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Experian is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!
Product: Payday loan, title loan, or personal loan

Rise Credit issues a short term loan to my sibling who took it out in my name. When I found out about it I attempted to resolve it but the rate was insanely high and they wanted a payment that was astronomical every other week instead of monthly as they stated to me after I found out. The account was unattainable and went to collections. I was able to settle the debt through the XXXX XXXX XXXX and they assured me in exchange for the settlement it would reflect paid in full and the Rise would be deleted from my credit report. being naive and wanting this resolved quickly I took them at their word that both companies ( Rise and XXXX ) would be deleted from my credit report. That still has not happened and when I dispute it through the creditors with the information I do have they state that it has to stay on my credit because it was purchased by another lender. I've reached out to both companies and they refuse to help me understand why I was misinformed by their representative and What benefit they have to keep trying to smear me and they just hang out.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations that I am facing. They never had any customer service reps and when I did call, they were foreigners every single time and never helped or resolved anything even with the correct documentation from my bank. This has caused a lot of loss to me and hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be corrected. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corected immediately. 
XXXX & XXXX BANK XXXX XXXX : {$0.00} XXXX & XXXX BANK XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.
Product: Debt collection

PROFESSIONAL DEBT at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collection notices in the amount of {$3800.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting

I have never paid a bill late nor have i even not paid a bill. As you will see from the attached credit report. My credit has been pulled without my consent of knowledge XXXX times by XXXX on behalf of XXXX cornell and XXXX XXXX. There is no reason at all for them to pull this and I would like them to refrain from ever pulling again. I have never granted them access to my XXXX and they do not have permission to ever pull my credit. I am asking them to CEASE AND DESIST from ever accessing my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, These creditors have violated my rights under 15 U.S. code1681 section 2. I have the right to privacy.

Also 15 U.S. code1681 section 604a a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. code 1666b 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Debt collection

IC systesm- has listed an collection account on my XXXX XXXX XXXX profile. I have disputed this information yet dates keep changing and amount is not able to be verified. I did not owe XXXX any money at the time I stopped my services with them. I did not have a contract and did not request a contract. 

This same account is with another collection account I have submitted a complaint with XXXX ( complaint # XXXX ) & XXXX ( # XXXX )
Product: Checking or savings account

There is plenty of evidence of what XXXX XXXX did to me. I am being unlawfully harassed and discriminated against. Wells fargo can deny it all they like. There is evidence of how many times i had to travel back and forth to the back. XXXX XXXX purposely put herself at the bank. I had no idea she was at the bank. Wells fargo is still covering for XXXX XXXX and protecting her. I never harassed XXXX or XXXX XXXX they harassed me. I didn't have my new checking account not even a month when it was closed. Because it was a set up yes it was personal. Why my account was set up. I will be talking to the XXXX show about how wells fargo treated me and exposing all their unjust harassment and the unjustly illegal closing of my checking account. I will expose XXXX and XXXX XXXX falsely accusing me of harassing them and how she slandered me at wells fargo causing me to lose my checking account. They want to continue to mess with me. I will expose them on the XXXX  show. 

The person who contacted me again was harassing me as well. Saying she had to verify that I had a different phone number. Well that's not what the other people had to do. She was just harassing me as well. XXXX XXXX had no right to continue to harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting an account that I paid off 100 percent as a charged off account! This is a MAJOR violation, and this is not legal whatsoever. I have tried numerous times to remedy this problem and you have come back and stated that this account was verified. How was this account verified when the data furnished from all XXXX bureaus are incorrect and inconsistent with one another? If this account is not removed from my credit report, I will be filing a statement of claim against your company. The letter I sent your company disputing the inaccurate information is attached which is dated and time stamped. I am demanding that the following account be removed from my credit report : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently made the discovery of an fraudulent account on my credit report. i completed an ftc report, and also filed a police report of the accounts. i sent these documents to Experian, XXXX, and XXXX  and each of these companies told me because the account had been verified, that they can not remove the account.. and because it had been disputed in the past. I tried to explain the reason for that was because i hired a company ( XXXX XXXX  ) to do credit repairs and was unaware that the account was fraudulent and the methods they used to dispute the account. i decided to to do my own credit examination and took a closer look at my credit report and came to the realization of the fraudulent account. and was still told nothing can be done. This account is not mine and was created fraudulently.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have notice some unauthorized accounts and inquiries on my credit file that I demand to be blocked and removed immediately. I am providing all requests supporting documents to support my claim. 
TRANSUNION : : XXXX XXXX ; {$1700.00} XXXX ; ( XXXX ) XXXX XXXX ; ( {$160.00} ), ( XXXX ) XXXX XXXX ( {$200.00} ) XXXX XXXX ) XXXX XXXX ( {$19000.00} ) ; ( XXXX ) XXXX  XXXX ( {$13000.00} ) ; ( XXXX ) INQUIRES : XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act XXXX. XXXX, XXXX, account number XXXX and XXXX. XXXX, XXXX, account number XXXX has violated my rights. 

15 U.S.C. Section 602 A. States I have the right to privacy.

15 U.S.C. Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

Eqifax stated that they were unable to provide an online report of my credit and wanted a mailed in request. Because my mail is not secure I do not desire a mailed copy and want an online report. Eqifax is denying me the option of an online report there for denying me the free annual report.
Product: Student loan

I am in the SAVE IDR. Recently, XXXX added approximately {$2000.00} in interest to my student loan during the pause instituted because of the SAVE litigation. Why did they do this?
Product: Credit reporting or other personal consumer reports

The following inaccuracies on my credit report are incorrect and must be removed, as they do not belong to me and may cause confusion or misrepresentation of my personal information. The inaccurate name variations include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The incorrect address variations include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, the addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX must also be removed because they are inaccurate. Also, please remove all phone numbers listed. Moreover, my correct employer is XXXX XXXX XXXX XXXX. Please update my employer information to reflect this accurately. Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c, consumer reporting agencies are required to ensure the accuracy of the information in their reports. Failure to correct inaccurate information is a violation of federal law. I request that my credit report be updated to include only accurate and verified information. Lastly, I encourage a review of my credit report for any other inaccuracies to ensure its accuracy and integrity.
Product: Debt collection

Chase Bank continues to report an account ( JPMCB CARD XXXX ) on my XXXX  credit report that is a business account for which I have no personal liability. XXXX, XXXX XXXX, and XXXX have all removed this item from my consumer report.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other document so I may review to see if this is actually an account that belongs to me.

If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communication.
Product: Debt collection

I was served a lawsuit summons on XXXX XXXX, 2016 by Portfolio Recovery Associates. I do not recall ever having any form of contact with PRA prior to receiving the notice to appear for the pre-trial hearing, and had about 2 weeks to draft a response and prepare. I filed an answer and was present at the pre-trial conference/mediation and ended up signing a settlement agreement with monthly payments beginning in XXXX. I brought up some issues I had with many of the false allegations they made in the lawsuit document, as well as their failure to comply with XXXX, but my mediator suggested that despite all these valid points they would n't hold up in a court case. I felt very overwhelmed and coerced into signing a settlement agreement that I particularly did n't agree with. I am not at all satisfied with the settlement amount -- which is much higher than the amount they said I initially owed -- and am having some doubts on the legality of this entire situation. Before I make any payments I would like to know for sure if PRA is truly the owner of the debt they allege is mine. I would also like to potentially have this entire case dismissed due to a lack of standing and failure to provide notice of assignment -- which is a condition that must be met before any attempt to collect on a debt. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX refused to remove acct XXXX Auto Loan there three different amounts on my consumer report And with this chargeoff acct I am unable to apply for anything do to this
Product: Credit card or prepaid card

I had to close my account because of fraudulent charges and it took a long time to investigate and close my account. The delay made it look my payment was delinquent when I actually had a credit balance.
Product: Payday loan, title loan, or personal loan

I tried to apply online as REP Payee account because I am listed on this account with my sister. And my sister wanted to apply for a loan. 
I am the conservator. I called CashNetUSA. I talked with a customer service rep who was very unprofessional. I asked to be transfered to a supervisor and the rep said they do not have supervisors to take calls. She did not answer my questions at all about the REP Payee account she did not know anything at all. The customer service rep put me on hold and finally disconnected me while waiting for a response. The customer service rep said she would have one of the legal team call me but never confirmed it because she disconnected me while waiting on a LONG wait. I called back but I am still trying to get in. I finally end the call I did not want to wait any longer. So I am writing this complaint. 

Also, I have another issue about keeping my mother 's information in their database system. My mother has passed away and I do not want her information stored for fraud purposes at their loan office. This worry me very much because so much identity thief is being used at financial institution like this.. 

I would appreciate you looking into this because I have issues and concerns about this loan service.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i called credit acceptance in the beginning of  XXXX  to notify them that i would be making a payment on   XXXX   to avoid towing/repossession and the customer service rep agreed. Credit acceptance than towed my car before the agreed upon date. on  XX/XX/XXXX  i made the payment as agreed + the additional towing charge and was promised that it would not be reported on my credit due to it being prematurely towed. on on   XXXX   XXXX   XXXX   i was alerted via  XXXX  that Credit acceptance reported my car as reposed and on the  XXXX  reported it as redeemed. i again contacted them and notified them of the error and was told there is nothing they can do and that it is not their problem.     another issue i have with credit acceptance is that they do not call me to notify me of  ANYTHING  my phone number is  XXXX  and they do not try and contact me at all. the only notice i received was via mail on   XXXX   that my car was due to be towed  ( the car had been towed the  week prior )