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

TRANSUNION I am the natural living man, Executor, trustee, beneficiary and legal copyright owner of the said name as shown on my social security card and birth certificate, and all other variations of such name/entity. I have sent the necessary documents proving my sole ownership. XXXX has yet to respond to my request/dispute and it has been well over 30 days since the notice has been received by TRANSUNION which is a direct violation of 15 USC 1681i ( a ) ( 1 ) ( A ). According to my congressional findings Pursuant of 15 USC 1681b ( 2 ) - A consumer has the right to DEMAND remedy by means of written or oral communication. In addition, based on the due diligence I have done, according to 15 USC 1681 ( a ) ( 1 ) - Congressional findings and statements of purpose : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. As TRANSUNION would know, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the for the consumers right to privacy. I am afraid that TRANSUNION has not been exercising their grave responsibilities that were given to them, nor performing reasonable procedures for meeting the needs of the commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to me, the consumer, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 USC 1681b Reasonable Procedures. I have remained humble throughout these past couple of years despite all the stress, abuse, and harm that TRANSUNION has caused me. I have had enough of the abuse and unfair practices from TRANSUNION. Pursuant of 15 USC 1681b ( 2 ), I did not give TRANSUNION any form of written instructions to accept, furnish, or report any information on my behalf. By the powers vested in me by the TRUE living GOD, I hereby DEMAND that all Negative accounts, Late Payments, Inquiries, Delinquencies, Charge Offs, that was not Authorized or Verified by me, the consumer, in written format to be Updated IMMEDIATELY according to 15 USC 1692g ( a ) ( 4 ).
Product: Debt collection

Ive been trying to work with the company that handles my XXXX Credit Card. 

XXXX XXXX. 

Ive spoken to them multiple times and tried to work the problems out with them but theyve not only threatened to sue me in the past, but theyve also started manipulating my statements and lying to me. 

Theyve also started calling me multiple times a day again, even when Ive mentioned to them multiple times that I work XXXX to XXXX most days. 

They called me 5 times yesterday, and another 3 times already today within one hour. 

I recently agreed to three automatic withdraws from them to bring my account current and my last automatic payment was on XX/XX/XXXX. Theyve charged me a late fee on my last statement which is not fair, as they were the ones that authorized when the payment went through. 

Theyre also telling me I have a missed payment, which doesnt reflect on my statement either as it says my next payment is due on XX/XX/XXXX. 

This company has been the absolute worst creditor I have ever worked with. 

They do nothing for their consumers and will abuse every exploit that they can to make it as hard as humanly possible for you to pay your debts.
Product: Credit reporting or other personal consumer reports

This letter serves as a fourth notice that the reporting of certain charge-offs and closed accounts on my credit report is inaccurate and unverifiable. Furthermore, your failure to ensure compliance with the Fair Credit Reporting Act ( FCRA ) constitutes negligence, as defined under 15 U.S. Code 1681o, which states : Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for actual damages sustained by the consumer as a result of the failure, as well as reasonable attorneys fees and costs. 
Specifically, the following accounts are being reported inaccurately : Account Name : XXXX  XXXX Account Number : XXXX Issue : Duplicate entries of being reported as a charge off for more than XXXX year. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Issue : This account was paid & closed but is reporting as a charge off. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Issue : Duplicate entries of being reported as a charge off for more than XXXX years. 

Account Name : XXXX XXXX Account Number : XXXX Issue : This account is reporting XXXX late payments but was in fact paid, closed and never late. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Issue : This account is reporting XXXX late payment but was in fact paid, closed and never late. 

Violations and Negligence Despite the FCRAs requirement under 15 U.S. Code 1681i to conduct a proper investigation of disputed information, your agency/organization has failed to : Accurately investigate and correct the reported information. 
Provide complete and verified documentation proving the accuracy of the accounts in question. 
Ensure compliance with FCRA requirements to report accurate and complete information under 15 U.S. Code 1681e ( b ).

Your negligence in maintaining and verifying accurate information has caused damage to my creditworthiness, including denial of credit, increased interest rates, and financial distress.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX 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

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Product: Debt collection

1 : Southwest Credit Systems XXXX, has today sent me a collection notice and claims that I owe {$130.00} to XXXX XXXX. 

2 : They have referenced an account number of XXXX. I have never had this account with XXXX XXXX. Though i was a customer of XXXX XXXX XXXX in the past. 

3 : They have addressed this notice to my name but the city ( XXXX ) is incorrect. I live in XXXX. 

4 : I have no outstanding debt with XXXX XXXX and since XX/XX/2020 I have had no account with XXXX XXXX. 

5 : Their collection has impacted my credit rating severely
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action. 
Im reaching out because the account XXXX with XXXX XXXX is showing an incorrect rating of CollectionOrChargeOff on my credit report. Youve listed the account as opened on XXXX, with the last activity date of XXXX, and verified on XXXX. This info is not accurate. 
This mistake is blocking me from reaching goals like qualifying for a better credit line. As per 15 U.S.C. 1681, I request documentation of how you verified this and proof of the {$1800.00}, as I dispute this. 
Looking forward to your prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three of the credit reporting bureaus ( Equifax, XXXX, & XXXX ) do not provide the proper information, web forms, or customer service center access for US military personnel and their families serving overseas to properly access their credit report, file a fraud alert, or place a security freeze on their credit file. At least two of the credit bureaus do not provide the APO/FPO/DPO state designators in their dropdown menus for entering a current or past address ( AA, AE, or AP ). When attempting to call the customer service centers, the automated menus do not allow the caller to request a representative and the automated service menu will close out the call if the caller answers the " security '' questions but the information can not be verified. Equifax, XXXX, and XXXX  currently demonstrate they do not care about their customers, particularly those who have chosen to volunteer to protect the United States, our freedoms, and the human rights of people all over the world. Equifax, XXXX, and XXXX  should be extremely ashamed of the way they treat all their customers and especially their lack of effort in serving the US military community all around the world.
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 Funds 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : 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. 

On XX/XX/2022 I requested a copy of my written permission that I gave to each credit agency and they sent me a response stating that I have previously, disputed these items. That is NOT what I requested. According to the law above, each credit agency has violated my consumer rights by not being able to provide a copy of my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to dispute the collection account that is currently appearing on my credit report. I am requesting the removal of this account from my credit file under the Fair Credit Reporting Act ( FCRA ) section 605b. This collection account resulted due to my Identity being stolen, and as such, it should not be reported on my credit file. The FCRA states that " consumer reporting agencies must block the reporting of information that is the result of identity theft or fraud. '' ( 15 U.S.C. 1681c-2 ). I did not authorize or make any transactions that would have resulted in this collection account being reported. Therefore, I believe this account is a result of identity theft or fraud. I have taken steps to resolve this matter with the creditor directly, and they have acknowledged that the account is fraudulent. They have provided me with documentation stating that the account has been closed and that they will not pursue collection on this debt. I am referring to this account : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$940.00}
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : AD ASTRA REC Account Number : XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA XXXX PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC XXXX XXXXXXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$2500.00}.
Product: Credit reporting or other personal consumer reports

Went to purchase vehicle at XXXX XXXX XXXX XX/XX/XXXX and loan denied without cosigner. XXXXXXXX XXXX  refuses to clear off credit report and XXXX XXXX will not return the car, which was a lemon, and wrecked on XX/XX/XXXX. Supposed to be repaired. Veros wont do anything although they made me file fraud report
Product: Debt collection

RE : Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX, VA XXXX Portfolio Recovery sent notice of a fraudulent debt.Attempted to collect on unsubstantiated or inaccurate debt. 
I sent denial is writing within the first 30 days. They called repeatedly and harassed over and over even after being told to halt. Pressured me to make payments using misrepresentations Relied on misleading, robo-signed court filings to churn out lawsuits Misrepresented their intention to prove debts they sued consumers over.They sued and lost in court. 
They still keep reporting this false debt every month to credit reporting agencies. 
Sued me for past the statute of limitations.Statue of limitations expired years ago. 
Violate federal law repeatedly Criminal company needs to be put out of business. 
I want PRI to remove all negative trade lines in all credit reporting agency immediately Thanks you,
Product: Debt collection

I get 1-2 calls per week from a person who identifies himself as XXXX XXXX from Keystone Law LLC, XXXX, PA Ph. number - XXXX, However it seems to be a different voice on the call at different times. 

" this calls from a debt collector this is an attempt to collect a debt ... no attorney has reviewed this account ... '' They have never provided any details indicating they know who I am or any details about the debt they are trying to collect, either in writing or by phone.

I think they are just phishing against the phone number. I have never answered or replied, and will block the number, but it stands out that they continue to call this number from a published company and name with no verifiable details or justification. I will not engage them unless additional evidence is provided in writing.
Product: Student loan

On XX/XX/year>, I made a scheduled payment of {$500.00} to be allocated to my Direct Unsubsidized Loan, set to execute on XX/XX/year>. On XX/XX/year>, I made another scheduled payment of {$570.00} for the same purpose, scheduled for execution on XX/XX/year>. 

Withdrawal transactions occurred from my bank account on XX/XX/scrub>XXXX XXXX XXXXXX/XX/year>, with amounts of {$500.00} and {$570.00} respectively, both labeled as " DEPT EDUCATION STUDENT LN. '' On XX/XX/year>, I contacted my loan servicer regarding my Direct Unsubsidized Loan and its status. I was informed that my payments had been received but not allocated to my Direct Unsubsidized Loan. I did not receive a clear answer regarding the whereabouts of my funds or the actions being taken by the loan servicer, but I did receive confirmation that they have my money. 

During the phone call, I was suggested to write and upload a letter to 'Accounting ' to specify my combined allocation of {$1000.00}. However, I had already specified the allocation of funds when I made the original payment schedule. Additionally, there is no section on the Loan Servicer 's website to upload this document. At that moment I also requested assistance from the representative to find the upload section on the Loan Servicer 's website to submit the necessary letter to 'Accounting '. However, the representative admitted that they do not know where it is located and were unable to assist me further.

The representative offered assistance by submitting a 'request ' for fund allocation on my behalf. They stated that it would take 37 business days for the correction to be made if the request is accepted. The representative also mentioned that interest would continue to accrue during that period until the correction is made. Despite my payments being received, the loan servicer will allow interest to continue accruing on my Direct Unsubsidized Loan, even though the funds necessary to pay it off have been received and confirmed by them. 

The duration of my call with the representative lasted 2 hours and 1 minute.

TL ; DR : Made two scheduled payments totaling {$1000.00} for my Direct Unsubsidized Loan. Payments were withdrawn from my bank account but not allocated to my loan. Loan servicer confirmed receiving payments but couldn't explain the issue. Was suggested to write a letter to 'Accounting ' but couldn't find the upload section on their website. Representative couldn't help find the section either. Offered a 37-day correction period for fund allocation, with interest accruing during that time. Despite having my money, loan servicer wants to continue charging interest, which is unreasonable. Call lasted 2 hours and 1 minute.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I've incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX