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

Since XX/XX/XXXX, I have written four certified letters ( attached ) to TransUnion regarding inaccuracies and FCRA violations of the XXXX XXXX account XXXX on my TransUnion credit report. They have not corrected the multiple problems I have pointed out to them nor have they included my Notice of Dispute for this account which is required to be done within 30 days of being notified. Both of these actions are clear FCRA violations. According to Title 15 U.S. Code 1681i : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the 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 reseller. 

The XXXX XXXX account is shown in red on the attached letters with specific inaccuracies and FCRA violations which as of XX/XX/XXXX still have not been corrected : 1. ) An invalid, incorrect Date of Last Activity 2. ) Not listing my Notice of Dispute within 30 days of my notifying them. 

3. ) An incorrect Date of Last Payment This account needs to be deleted immediately due to inaccuracies and clear FCRA violations.
Product: Checking or savings account

On XX/XX/year>, I deposited {$1000.00} into the XXXX ATM on XXXX in XXXX ( XXXX XXXX, XXXX  ) and received credit in my account for {$640.00} in XXXX separate installments of {$400.00} and {$240.00}. I quickly called my bank to let them know some error occurred. They were very receptive at first and credited me the rest of my money. I just received a letter in the mail today saying they are going to take that money back???? I dont know what to do.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX {$120.00} sent to XXXX XXXX acting as representative for XXXX XXXX who was sent {$110.00} on XX/XX/XXXX. Others on XXXX  said she is a well known XXXX and she was active on social media fan pages for XXXX. XXXX is a scammer and never sent any of the items promised. She used PayPal and they claim to not be able to do anything about it. SOMEONE SHOULD BE TRACKING THIS GIRL! XXXX said her family runs their own XXXX  server to scam people so now PayPal and XXXX are both a part of their scam of people. PayPal told me to file a dispute/claim with you so here it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not cooperating with my written request of me asking for verification methods for the 3-5 bankruptcies that are still reporting on my report. These are not active bankruptcies and my other derogatory accounts are apparently unverifiable as well. Experian also has only responded with verification generic responses. I have not received any response from the courthouse nor other creditors with their assistance. I have been writing Experian since XX/XX/2021 about these derogatory accounts and their reporting errors and they have yet to provide me with any proof of validation and verification. Therefore I'm asking for assistance from CFPB with this matter.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be Inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately Account : XXXX XXXX, Account : XXXX - This account is being reported inaccurately, please remove this from my credit report immediately
Product: Debt collection

XXXX graduated college XX/XX/XXXX. Two days later was assigned to his XXXX XXXX XXXX training. Since XX/XX/XXXX Sallie Mae has contacted only one of his co-signers, XXXX XXXX, grandmother several times a week by phone calls, emails letters. XXXX only co signed one of two loans  that have doubled from The original amount. Yet they continue sending demand Payment letters for payment or ruin her credit. Take from her social security bank acct. that is all she has to live on. XXXX is XXXX years old living in assisted living. She has no extra funds. XXXX parents, my Husband and I were sufficient in his loan as co signers but they demanded a third co signer. 
This has practically killed XXXX myself my husband and XXXX XXXX. XXXX has dis owned my husband and I and her grandson over this fraudlike loan collection. 

XXXX  first payment was not even due until XX/XX/XXXX. Yet talking to an XXXX year old, she believes we misled her into this mess. We had no idea Sallie mae is allowed to get away with hundreds of calls emails and lettters to turn our lives upside down. Costs us our livelihood of not able to run our business. And we have suffered immensely from it. Sallie mae has been contacted dozens of times to let the XXXX and XXXX do their part. To Stop contacting XXXX. I have power of attorney over XXXX. I sent that in sent in all my id as demanded in order for them to stop communication with XXXX. However that was a plot to get my drivers license. They have failed to commmnicate with XXXX. She received an 8 page demand lettter today! 

How many of our lives have to be destroyed and lost over this? When the XXXX and XXXX is handling it. Not late. Now it is in deferment til XX/XX/XXXX! Why are we harrassed?
Product: Credit reporting or other personal consumer reports

Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit card

I was sent Emails from Capitol One saying I had applied for a credit card with my name and account number. Those emails no longer show up on my account and I never made an account for capital one or for a credit card. I called the company on XX/XX/XXXX about the matter and it is currently under investigation with a report being made by the company. These emails were approximately 3 months ago in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX from 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I have asked XXXX, and Transunion for proof that this XXXX XXXX account belongs on my credit file, with absolutely Blatant disregard, I have disputed this item several times and it comes back as verified, Updated, Contact the furnisher or Frivolous. 
I sent them a letter requesting paper work that led them to adding this to my file over 90 days ago with no response. 
They have blatantly disregarded my request i have noticed that XXXX and Transunion feel as if they are above the law. 
luckily I kept PDF copies of the 609 letter i sent to XXXX XXXX with absolutely no proof Just a bill with my name that looked like my XXXX XXXX XXXX son could have made on word. 
so my question is if I cant get propper validation from XXXX XXXX and the 3 credit bureaus can not show me proper validation how is this still on my credit file? 
I would really aprerciate the CFPB 's help with this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and noticed that there is information reporting to my credit that does not belong to me. The following information listed in this report I have no relation to. This has hindered me to be able to build a good credit profile. Under FCRA 605B I am requesting that this information is removed from my credit report within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any original documentation stating that I owe a debt to these creditor. Failure to comply will result in a litigation process against all parties involved including any agency reporting fraudulent information to my credit profile. 

The following information is fraudulent. 

XXXX XXXX XXXX Balance {$4300.00} XXXX XXXX XXXX Balance {$520.00} Inquiries : XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Resident Verify XXXX/XXXX/XXXX Resident Verify XX/XX/XXXX Please Mail all correspondance to XXXX XXXX Pl XXXX XXXX NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : # 1. XXXX XXXX on XX/XX/XXXX # 2. XXXX XXXX l on XX/XX/XXXX XXXX # 3. Members XXXX XXXX on XXXX XXXX # 4 XXXX on XXXX XXXX # 5 XXXX on XXXX XXXX. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows ...
Product: Payday loan

XXXX XXXX contacted and would not identify who they were after I demanded it at least 3 times. They stated they were a law firm representing their company. They threatened my with taking me to court, which would result in costs over {$5000.00}. I also received a call from a so called process server asking I would be home between certain hours on a specific day, she never called or showed up as se said she would. I contacted the so called complaintent as well as my bank. Not only were there not any deposits made on the day they stated their client made, but there were also not any further attempts to get their money according to my bank. I also called the complaintant, Castle Payday, who changed there name to Big Picture Loans. They informed Funds, which is definitely not XXXX XXXX! I feel scammed and bullied and into trying to set up a payment plan with someone I did n't need to! SOOO ANGRY!!!
Product: Debt collection

XX/XX/XXXX contacted company after receiving complaint response.. 

As stated in previous complaint : XXXX I updated my email and mailing address with the debt collections company so they can send me the validating correspondence I was looking for before making a payment. They failed to do so they attempted to mail multiple addresses the correspondence but failed. The correct address is listed on my account with them but they failed to send me the validation letter within 30 days of speaking to me to the correct address. They stated so as well in there complaint response that I put in XX/XX/XXXX. Never did they list the address I gave them only the addresses that got forwarded back to them. They never attempted to contact me because if they had they would of sent the validation letter to the mail address given which has been the same since XXXX... I told XXXX the Surpervisor that the company failed to do their due diligence In order to get the account validated and paid. If they would of mailed the correspondence to the address given this would of been avoided. 

Than I attempted to settle the account with a percentage and he refused and stated they dont settle accounts even though in XXXX when I called in they stated I could.
Product: Checking or savings account

On XX/XX/XXXX I begin receiving child support payments in amount {$310.00} under docket # XXXX. The IL state disbursement unit sent the funds to an old account on file with XXXX that I no longer have access to. The old account is from XXXX. I just start receiving child support for the first time in 13 years. The total funds are {$3500.00} as of XX/XX/XXXX. I requested a trace with IL state disbursement unit who informed they are unable to complete. I am contacting XXXX, Netspend and XXXX to provide my personal info and locate and give me access to my funds or return to issuer because I dont have an account with them.
Product: Debt collection

This was a 90 days same as cash. When this account was open they double charged me and when i made a payment on time before the 90 days were up they still charged me the full amount. I have tried to communicate with them but customer service refuse to listen to what i have to say. This was a big mess and the result is that they have put this on my credit report. 
Also...

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

I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. Its been well over 30 days, I still have received anything back. 
According to 15 USC 1681i ( @ XXXX ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 
This a violation of my rights.
Product: Checking or savings account

I signed up in XXXX for an email {$200.00} debit card promotional offer ( for having a credit card. ) i was told I could do ONE OF the followings, have a {$500.00} direct deposit for 3 months, maintain a {$3000.00} balance OR use the card for 10 different transactions spending {$1.00} or more 3 months in a row to be eligible for the reward. 

I open XX/XX/XXXX and completed my 3 months and started contacting them. Called 2 times in XXXX to be told I would receive it. Got a letter from promotional offering saying I didnt meet the qualifications. Called XX/XX/2019 and they said I had to go talk to a banker in the store. Went in and she updated my tax info and said Ill get it within 4 business days. Called again a week after that and was told they would submit a credit to the credit department who sent me a letter saying I did not meet the requirements. They lied to me about the promotional and they are a joke. Ive spent hours on the phone with them trying to get my promised credit and wasted time. I have even talked to a surpervisor during one of my calls for her to tell me she cant do anything and I need to be transferred to a different banker- who couldnt do anything because it was the online tech support department! Horrible customer service.
Product: Student loan

Without my consent, my student loan servicer ( AES ) has added in federal loans to this balance, driving up interest capitalization. These federal loans should have been consolidated with my other federal loans but now these are not eligible. I gave no consent to add these loans in with my private loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my XXXX WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the XXXX to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under XXXX XXXXXXXX ( XXXX  ) ( XXXX ) ( XXXX ) & Section XXXX ( XXXX  ) ( XXXX ) ( XXXX ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( XXXX ) of the XXXX you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( XXXX XXXXXXXX ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the XXXX 

I demand my accounts be verified or deleted immediately. 


( Attached, I have my Credit Bureau XXXX, XXXX forms of ID, XXXX XXXX )
Product: Vehicle loan or lease

I Have made multiple payments on my car loan and the finance company returns my payments and is charging me late fees on purpose
Product: Credit card or prepaid card

I have a Citi Double Cash Card Which I used for their introductory Balance Transfer and Interest Rate promotions of 0 % and 1.99 %. Unfortunately I was Taken Advantage of an outside COVID Scam claiming to pay outstanding Credit Card Balances if I was affected by COVID. I'm a XXXX XXXX   owner that has been greatly affected by COVID, so I 'applied ' and was then given banking information to pay my outstanding CC Balances. I attempted to pay my Citi Double Cash Card Balance with the COVID scam Banking information, and of  course the payment was later returned ( however I had already satisfied the minimum payment due from my personal account, which had cleared, so I wasn't late or missed a payment ). Citi then took the returned payment amount and applied over 90 % of it to a 'Standard Purchase ' increased rate of 23.49 %. I contacted them and described the situation that I was taken advantage of in a COVID scam, and that the original Purchase/Balance Transfer was completed under the introductory promotional interest rate ( which had not expired ) and asked that the returned payment amount be applied to the interest rate that the original transaction originated from ( I was even willing to accept a returned payment fee ). They said there was nothing they could do but return the initial interest fee, but now I'm stuck with a balance that was at 0-1.99 % Interest and is now at 23.49 % which will obviously cost me significantly more in interest over time. To add insult ... When I struggled to make additional payments over the minimum amount due to make up for the interest hike, they applied all additional payments to the remaining small balances on the 0-1.99 % interest rate. Cardmember Agreement states " If you pay more than the minimum payment due, we'll apply the amount over the minimum payment due first to the balance with the highest APR ''. I again contacted CITI to discuss the payment allocation, and CITI representatives only continuously repeated what the cardmember agreement states and not how it applied or was incorrectly applied to my account. When I kept stating that I paid $ X over the minimum payment and my 23.49 % highest interest balance did not decrease, only the 0-1.99 % balances, they ignored my facts, and eventually ended the conversation abruptly. I read through the entire cardmember agreement, and didn't see anywhere that it states returned payments would be applied to the 'Standard Purchase ' Rate. Additionally, CITI double Cash Card offers Cash Back on Purchases and Payments, but my returned payment amount even being labeled and applied to the 'Standard Purchase ' rate, doesn't qualify for the purchase and repayment cash back 'promotion '.
Product: Credit reporting or other personal consumer reports

The problem is quite aggravating, XX/XX/2024, XXXX After applying for XXXX financing, I sought to have the reported TransUnion credit freeze lifted. XXXX reported that a TransUnion credit freeze was in effect and affected my attempt to apply for the financing. 

I then proceeded to log in to the TransUnion website to no avail. The website kept flagging me with errors, even though I had received prior emails for an account listed. 

I contacted TransUnion by phone numbers XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX via cellular service. 

The automated voice service that took the call collected the needed private personal information before transferring the call to live agents, who also asked for personal identifiers to proceed with the request inquiry. 

I was then walked through by one of the agents who had informed me to create a new account.Thatattempt also yielded negative results. 

After failed attempts to confirm or remove the credit freeze with the TransUnion agents, they either terminated my call abruptly or returned me to the automated system. 

I've decided to file this report since this credit agency still has a freeze on my credit, and I need it removed! 

Sign, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


CLOSED ACCOUNT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.