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

On XX/XX/2022, I received several emails/notifications from several credit monitoring services notifying me of a recent change to my TransUnion credit report ; which indicated that my current and good standing auto loan with XXXX XXXX had been removed from my credit report ; which caused my credit score to decrease XXXX points, from a XXXX credit score to a XXXX credit score. This information is inaccurate ; as I still have an auto loan through XXXX XXXX. My auto loan with XXXX XXXX is current and in good standing ; as I have never missed a payment or been late on any of my auto loan payments that are due every other Saturday ( bi-weekly ) ; as I even make my payments early, by paying every other XXXX ( bi-weekly ) instead of waiting until the scheduled Saturday. On XX/XX/2022, I contacted XXXX XXXX and spoke to XXXX at about XXXX PM, inquiring about the change to my TransUnion credit report ; as I did not receive a phone call or correspondence by mail or email from XXXX XXXX alerting me of this issue. During my phone call with XXXX, XXXX informed me that XXXX XXXX is aware of the issue, this was a mass issue, and it was not just isolated to my auto loan with XXXX XXXX. XXXX also stated, XXXX XXXX, the controller for XXXX XXXX, was aware of the issue and did not report this information to the credit reporting agencies. I have made at least seven phone calls to XXXX XXXX and voiced my concerns regarding this issue via the companies website on XX/XX/2022 at XXXX AM requesting assistance with this issue but this is still unresolved. As of today, XX/XX/2022, a month later, my TransUnion credit report has not been updated indicating that I currently have an auto loan with XXXX that is current and in good standing ; as this information is still missing from my TransUnion credit report. While this information has been removed from my TransUnion credit report, my XXXX XXXX with XXXX and XXXX has too been affected by decreasing at least XXXX points. Phone call dates : XX/XX/2022 at XXXX PM- Spoke to XXXX XX/XX/2022 at XXXX AM - Spoke to XXXX, placed on hold, was on hold for 22 minutes XX/XX/2022 at XXXX AM - No Answer XX/XX/2022 at XXXX AM - No Answer XX/XX/2022 at XXXX AM - No Answer XX/XX/2022 at XXXX AM - No Answer XX/XX/2022 at XXXX PM - No Answer Complaint number XXXX was submitted in XXXX and there has been no resolution to issue, I recently applied for an auto loan ; which could not be processed because there was not record of my current auto loan with XXXX XXXX XXXX
Product: Debt collection

i have tried fixing this for 2 yrs now. I had my car broken in to and had my wallet stolen.it had my id and social card stolen. i got a police report and have submitted to all the bureaus. XXXX  and XXXX have yet to take it off my credit. i recently sent them another dispute showing that the information doesnt even match up between the bureaus and that the address is wrong, it isn't my address. this is an account from XXXX XXXX who purchased it from sychrony bank stating i owe them {$1500.00}. at no time have them showed me any proof of this account such as opened account info or contract
Product: Credit reporting or other personal consumer reports

I did not authorize these companies to have access to my credit.
Product: Credit card

This case should be adjoined to case XXXX and involves both XXXX and Capital One. As per the previous case, I had two fraudulent transactions in the total amount of {$670.00} taken from my XXXX checking account on XX/XX/XXXX under the " moniker '' Capital One online payment. I have a Capital One credit card account that has AutoPay scheduled and these 2 transactions occurred at the same time my approved AutoPay payment was also taken. In an attempt to protect myself I placed a " outgoing transaction freeze '' on my checking account at XXXX, and removed AutoPay from my Capital One account. On XX/XX/XXXX I opened a NEW XXXX checking account, and re-established the AutoPay with Capital One with the NEW checking account. On XX/XX/XXXX two NEW fraudulent transactions were completed on my NEW XXXX checking account with the same " moniker '' of Capital One, and again were taken out at the same time my authorized AutoPay payment occurred. I suspect this is a LARGE SCALE AND CONTINUING BREECH on the part of Capital One and XXXX, n that as soon as a deposit holder enters bank account info in AutoPay for Capital One with a XXXX routing number, their data is being provided to some party to commit fraudulent activity. On XX/XX/XXXX I immediately ( XXXX am ) contacted both Capital One and XXXX to inform them of this issue. XXXX has indicated they will investigate the claim and return the {$120.00} that was removed from my deposit account. XXXX was not at all helpful and only could suggest I open yet ANOTHER new checking account. Through a laborious question and answer with the? XXXX representative ( over 2 hours on the phone ) I was able to discern that I could place a " stop payment '' on all Capital One transactions f I paid {$30.00}. I authorized this but was outraged that I should have to pay {$30.00} to protect my account for a data breech occurring at XXXX and Capital One. XXXX told me that it Is the responsibility of Capital One to do more than that. In speaking with Capital One, they said " well we ca n't see the transactions on our side on your account so not sure what we can do ''. I finally was able to reach a person in the Office of the President at Capital One who said my previous claim is being investigated by XXXX ( XXXX ) and I should contact her. I contacted XXXX TWICE to inform her of the NEW issue on a NEW deposit account, no return call has been received. Given that I have been in the financial services industry for over 15 years, and 6 in the regulatory compliance arena, I am frustrated with the absolute lack of concern of consumer fraud by two of the largest financial institutions. I am fortunate enough to know enough about consumer protections to submit this claim and protect my account, however even with that I am now resigned to having to send CASH MONEY ORDERS to Capital One for payment on my account given that I had to place a " stop payment '' on my account. What is this 1962? For the billions of dollars that have been spent in this industry, I am outraged.
Product: Debt collection

I received a cahrge to my mastercard that I did not make. The card was was cancelled then reissued with a new number. The amount was {$110.00}. Today I get a bill from National Medical Administrators , Inc. XXXX XXXX XXXX XXXX GA XXXX. I made no such charge The bill says I can dispute the debt with them and they will obtain verification of the debt or copy of judgement and mail me a copy.
Product: Checking or savings account

The account had sum fraudulent charges which i reported i was told to order a new card i did they debited XXXXXXXX XXXX from my account to pay for the card then said my card wasnt approved and my card cost was undesputeable
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I have a savings account and was told that first I had to have a {$2000.00} limit or be charged a service fee then I was told to avoid the service fee my account balance had to be {$2500.00} or have a deposit of {$75.00} monthly. 
I opted to have the deposit of {$75.00} and was charged the service fee. This institution changes the requirements at will and now wo n't xplain why this service fee charge when their requirements were followed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights Remove XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX,
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting or other personal consumer reports

Between XXXX I originated XXXX accounts with XXXX XXXX XXXX XXXX XXXX A personal loan and a credit card which was opened separately. Overtime, either XXXX or both of the accounts had changes to the account number, changes to the terms and conditions or some loan modification. As a result, the account history and the amount of payments and interest Ive paid substantial payments without paying in totality has become available. As well as access to previous statements before the account numbers changed. I have noticed that the principal balance has barely changed and it appears most of all the payments made has gone to interest. For the past XXXX years, I havent had any significant reduction in my principal balance. As a result of financial hardship and reduced income I needed assistance with making payments. The first delinquency was reported in XXXX for both the credit card and loan. After 7 years, statue of limitation require negative reporting should be deleted and removed. Also, they have the credit card tradeline for {$19000.00} appearing twice under different account numbers, which is having a double negative impact on my credit. In absence of account history and old statements I have contested the validity of the debt and derogatory information. The credit reporting agencies and XXXX XXXX has failed to rectify the situation and delete derogatory information. Under section 1681s-2B of FCRA 15 USC 1681 et seq and The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, the companies are in violation and having complied to my requests. Also, in recent news reports and class action lawsuit, XXXX XXXX has allegedly discriminated against minority borrowers and neglected to provide fair lending practices and services. I believe I am too a victim of unfair treatment and would like all derogatory credit reporting to be removed and deleted. I have been a member since XXXX, and Ive paid off several loans with XXXX XXXX. I am deeply disappointed at the way theyve treated me as a consumer. Learning that theyve treated other minority consumers unfairly is terrible. Their actions has negatively impacted my financial health and credit score by continuing to report old and unverified information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have an open complaint with Transunion ( Please see notes in that complaint ) I contacted Transunion today XX/XX/XXXX to check on the status of my dispute. I was told by the agent that there has not been a reopening of my dispute and they were not working on any dispute. 

I informed them that they responded to CFPB on XX/XX/XXXX that " they were still working on my issue and should have a response shortly ''. Well they are doing absolutely nothing for this issue that I have claimed as fraudulent for the last 4 years. 

I was told XX/XX/XXXX after talking to a XXXX for several hours that he would remove this bankruptcy file but their system was down and I needed to call back tomorrow which i did but only to be put back to square 1 explaining the last 4 years and what currently happened to being told this will always come back Verified unless I get it espionage at the court ... WHAT PART OF I never file bankruptcy don't they understand. 

I truly need help this has been a nightmare for myself and my business has suffered because of the reporting of this inaccurate information. 

Transunion has dragged their feet every time I have disputed this and always gives me this generic letter stating this file has been verified accurate. But will not say who they are verifying this information thru. I found out today they use a company call LCI which is a Transunion company which means as the agent stated this will always come back verified because its in the system .... 

This is a violation of the FCRA. I have told them over and over this is fraudulent information they have on my file and I have requested it be moved for those reason. I have all the alerts - credit freeze and all to protect me now and I keep my credit locked all the time. 

I need assistance from CFPB to intervene in this situation as I feel TransUnion is not trying to hear what am saying as a consumer.
Product: Credit reporting or other personal consumer reports

I was extremely concerned to discover that multiple unauthorized inquiries from your company have appeared on my credit report.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

My car loan payment on my credit report shows not paid and late since XXXX but it is not. XXXX experience, XXXX  XXXX
Product: Mortgage

Dishonest and fraudulent forbearance information, promise, and subsequent sale of loan see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple inaccurate accounts with XXXX, XXXX, and Equifax and they have failed to perform a proper investigation as per FCRA. Now they continue to report Derogatory accounts that are past 7 years from first date of delinquency and that is a FCRA violation!
Product: Credit reporting or other personal consumer reports

Dispute for XXXX and XXXX took month and a half with no changes to file, no information was used that they received, and they did not update files to reflect correct amount. They just say are " experts '' have verified. They do not assist at all with inputting correct information
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> TRANSUNION Re : Dispute of Inaccurate Information Under FCRA Section 1681 ( o ) Dear Sir/Madam, I am writing to formally dispute information listed on my credit report under the provisions of Section 1681 ( o ) of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, I am entitled to dispute any information that has been negligently reported or inaccurately included on my credit file. It has come to my attention that the following information, which I believe to be incorrect or negligently reported, has been included on my credit report : XXXXXXXX XXXX Account Number XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ Account XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX  IN Account Number XXXX XXXX XXXX XXXXS XXXX Account Number XXXX XXXX Account XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account Number XXXX As per the FCRA, I request that you conduct a thorough investigation into this matter. I believe that the inclusion of this incorrect information constitutes negligence, and I am seeking correction or removal of the disputed items under the civil liability provisions of Section 1681 ( o ).

I would appreciate it if you could respond within the 30-day time frame prescribed by the FCRA, as well as provide me with documentation or evidence that substantiates the accuracy of the disputed information. If you can not provide sufficient evidence, I respectfully request that the information be removed or corrected.

Please confirm that you have received this dispute and are initiating an investigation into the matter. If necessary, I am prepared to pursue further action, including filing a complaint or seeking legal redress for any violations under the FCRA.

Thank you for your prompt attention to this matter. Please provide written confirmation of the results of your investigation, including the specific actions taken to resolve the dispute. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling 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 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.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter concerning inaccuracies on my credit report maintained by TransUnion. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information, and to date, I have not received a response from them. The details of the inaccuracies and the required corrections are outlined below : 1. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1.00} The following account was never late. Please correct this inaccurate information on my credit report. 

2. XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} The following account was never late. Please correct this inaccurate information on my credit report. 

3. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} The following account was never late. Please correct this inaccurate information on my credit report.
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 NUMBER : 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 CREDIT BUREAU 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: Checking or savings account

I am on an XXXX Account as primary user with my spouse. I no longer am together with her and want my name removed from the account. She wants to keep the account for herself. USAA is telling me that we have to close the account and she needs to open a new one. She has several bills debit from the account and a direct deposit paycheck that goes to account also.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.