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

Transunion is reporting an alleged debt that has not been verified as belonging to me or provided the necessary documents for me to opt of this information reporting. This is a violation of my consumer rights. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit card

My credit score dropped by XXXX points today based on improper reporting. XXXX XXXX cards are paid off as per minimum balances required. This is false reporting.
Product: Vehicle loan or lease

On XX/XX/2019, I went to get my car to get to work. My vehicle had been repossessed without my knowledge. I called the leasing company and was informed that my vehicle was repossessed by the company for a delinquent balance owed. On Monday the XXXX of XXXX I spoke with XXXX a respresentative for Fair who collected a payment in the amount of {$340.00}. I also told him that I would be making an additional payment on Wednesday the XXXX, after the {$340.00} clears. He put the payment through and also mentioned to me that he would send the an email to the office in New York about the additional " miscellaneous '' to get it corrected. Never in this conversation did he mentioned to me that my car was in repo status. His statement was that this would put my account in 14days behind, giving me the couple of days to make the remaining payment, in the week which would total to {$570.00} for that week. It is now the XXXX of XXXX and my car is reported as repossessed. I spoke with a representative of Fair Inc., who after learning of what happened, transferred me to her Supervisor, XXXX. I explained the entire event to XXXX, and she had informed me that the payment that was made on Monday didn't post to their system, even though it cleared from my bank account. After hearing this, XXXX said that she'd call me back after looking into this matter. This was all at XXXX on XX/XX/XXXX. An hour and a half goes by, and around XXXX I call back. XXXX, a representative with Fair Inc. answers, and I share with him the story of what's happening. He emails his supervisor, XXXX who responds back to him to tell him that although they found that is was a misinformation and miscommunication on their end, there is nothing they can do. The result was that I am responsible for the fees that the towing company, the miscellaneous fees that have still not been looked into, and lastly the full payment on the vehicle which is what I've been paying on for the last two and a half years. This company has been poor in their role of accountability and I would NOT recommend ANYONE doing business with them, as the integrity lacks. I still wait for the call from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had my credit frozen for 1.5 years due to extreme identity theft. I had to lift the freeze to allow for a credit check when refinancing our home. I am unable to place the freeze back on my account and Experian has no way to contact customer service to help with this issue. When I attempted to log-in with the pin they gave me to lift the freeze, I'm unable to do so. There is not an online option to put the freeze back on. There is not a number to speak with anyone, it is just a robot that doesn't give you the option to speak with anyone and just hangs up. How is this possible?
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past 2 months, I have contacted Experian regarding the inaccuracy of my credit report and scores being reflected through my Experian XXXX XXXX membership. In the beginning, I was getting alerts on a regular basis regarding score changes due to changing balances and credit limit increases, now Im getting absolutely nothing although I pay {$21.00} per month for an inaccurate and outdated score and dont reap any of the benefits of the membership like Experian boost perks. The only benefit is I can conveniently lock and unlock my credit and on a monthly basis get a XXXX XXXX from XXXX and XXXX that go up according to lower balances and higher credit limits, but Experian has kept my score stagnant for the last two months, no longer sends me alerts although there are credit changes to my report that effect my score in a positive manner, and doesnt keep the information in my report accurate and updated. In addition, customer service is awful, especially when trying to reach a live agent. On each occasion, it takes a number of attempts to reach a live agent and when you finally do get through the agents dont have answers or solutions to your questions and problems and intentionally disconnect you! Consequently, I was hung up on today as soon as I expressed my concerns!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated that my XXXX XXXX  XXXX account was properly investigated, but how is that possible if the Account Status is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Creditor Remarks are inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX and XXXX and investigation took well over 30 days.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp. Due to inadequate customer service, and unfair practices, which violates the Customer Financial Protection Act specifically cashapp 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 and Regulation XXXX These actions have cause caused significant inconvenience and financial loss and i seek appropriate redress for these Violations.
Product: Checking or savings account

The bank charge me every month XXXX $ as a maintenance fee since XXXX XX/XX/XXXX to XXXX  without my consent and knowing. 
today I called the bank by phone, I have been told this fees because my age is above XXXX and I am not allegeable to wive from this fees. 
in XX/XX/XXXX I started my job and with weekly direct deposit in the same account, I noted they still charge me XXXX $ even I am employee, and I explain that for the agent who answer me today XXXX XX/XX/XXXX and she tell me I can refund only XXXX $ for XXXX last months because the system allowed me that, and she tell me as a next month there are no charges. 
My complaint today is about the rest of the last XXXX years. 

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Product: Checking or savings account

I received XXXX letters from Bank of America stating that I had a XXXX XXXX XXXX account. I never opened this account. I have never used Bank of America. I called the fraud department to tell them that this is a fraudulent account. I was placed on hold for XXXX minutes and no one ever came back on the line to help me. I called again and the same thing happened.
Product: Debt collection

I was taken to the hospital while on duty with the Indiana  XXXX   XXXX   XXXX . The bills are essentially workman 's compensation injuries. The state has neglected to resolve this issue in a timely manner, and I am still in the process of having them take care of the bill. Please contact my liaison  XXXX   XXXX  at  XXXX  XXXX  XXXX  or  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am incensed with how XXXX has handled reporting this breach and the steps they have taken to rectify the situation. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

When attempting to sign up for credit protection on the XXXX  2017 security breach website. I was forced to enter 6 digits of my SSN and then receive a notice that I am to come back to the website the following week to enroll. According to the news, this breach occurred 5-6 weeks ago.
I then went to the Experian website to review my credit report and enroll for extended fraud alert. I tried three times to do this through their the Experian website. Each time I tried to upload the required documents the website would error - either by saying the site can not be reached or that the web page could not be found.
Product: Credit reporting or other personal consumer reports

I am not aware of this account. I have reached out to XXXX credit bureaus and XXXX XXXX to have this account removed from my file and they always say the same excuse, which is no longer acceptable. I have filed an FTC complaint because I believed this is an outcome of identity Theft. Regardless of all actions done on my end, there was no action from XXXX Bureaus. Thus, I am reaching out to seek assistance to have XXXX XXXX that I have no account with them and XXXX credit bureaus can simply remove it from my credit.

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, has violated my rights. 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Has violate 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 or other personal consumer reports

This bank continuously invades the privacy of the people when they record, monitor and analyze recordings over the phone by not only by them but the unknown service providers as well.
Product: Bank account or service

Bank of america charge me {$35.00} returned item fee when in fact the ( {$7.00} ) item was not returned. Bank of America have the amount ( {$7.00} ) in there records but it is not showing in my all transaction records. I believed they purposely hide it. The {$7.00} was drawn by XXXX a financial company. XXXX used my debit card to collect payment and was paid by Bank of America. One thing that puzzles me is if the item was returned to XXXX, it should show that I will have a balance on my account with XXXX. Reason why I file this complain is to recover my returned item fee of {$35.00} and show to others what this bank is doing just to get those fees even resorting to lying. Here are the reasons why I am contesting Bank of America : 1. ) Whenever XXXX collect payments from Bank of America, using my Debit card, the Bank rejects the collection if I have insufficient funds, without any penalties, just like withdrawing in an ATM. 
2. ) Bank of America said they returned the item. No item was returned as per XXXX records 3. ) The amount ( {$7.00} ) is not showing on my account activity. I believed was deliberately hidden from me. 
I tried to resolve this Matter with the operation manager XXXX XXXX XXXX ( XXXX XXXX XXXX CA XXXX ) and the response is " we can do nothing ''. 
I hope you can help me resolved this matter. I believed Bank of America have violated bank regulations skimming customers by fees.
Product: Credit reporting or other personal consumer reports

I Submitted A Request Pertaining  To 15 US CODE 1681 1681a4 1681 c-2 1681eb To Show And Prove All Negative Reporting On My Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that Transunion provide me with the method that they used to verify two accounts on the credit file they maintained on me. They fail to do so. They sent a letter saying that the one items was verified and completely failed to say anything regarding the second item. Their response did not address what I asked for in my letter
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the 2 accounts listed on my credit report which were " verified '' by the credit bureaus. Both accounts are with XXXX XXXX. Both accounts are reporting as charge off and reporting a past due balance/balance of the following : one account {$2000.00} and {$950.00} Letter of validation was sent to XXXX XXXX Although they responded, they failed respond to the actual request for validation. They only verified the account listed. Per my request " Your failure to satisfy this request within the requirements stated in the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. A credit diclosure statment was requested to be filled out and returned. Failure to return would result in the following : Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action. Original request is attached as well as their response.
Product: Debt collection

I was contacted about a debt from XXXX XXXX XXXX XXXX for {$100.00} for not returning equipment and not paying the last bill. I sent payment to XXXX of XXXX of XXXX and requested cancellation of service in XXXX. I sent out the equipment for return in XXXX but there was an issue with XXXX  that required me to resend the package again in XXXX. I already had services set up by spectrum starting on XX/XX/XXXX of XXXX. I have confirmation of payment received and equipment received by XXXX. I called sunrise to dispute this issue. They gave me an email to send correspondence XXXX. I sent out an email with all attached documents in XXXX XXXX. I called XX/XX/XXXX and was told it was in review. I was also told in was still being reviewed when I called XXXX XXXX. I was told that it would be closed on XX/XX/XXXX of XXXX and it was removed from my XXXX report. It is still showing on XXXX and XXXX reports and now they have started to call me again to collect the debt and do not have any recollection of them reviewing or agreeing to close the account.
Product: Credit card or prepaid card

While logged in to review my Prosper Card and loan statements and pay my bill, I was suddenly kicked off of the site. I contacted the customer service department and was told that I requested a cease and desist. I did not do this and explained this. I have received two emails stating that the issue is closed but I still can not log on and see my statements. The customer service representative is trying to tell me that I do not need to see the statements and that they will tell me of any activity and amounts due. I have advised that this is unacceptable.
Product: Debt collection

Re : Debt Validation Request for Account XXXX, Dear Midland Credit Management, I am writing to request validation of the debt referenced above, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I received your communication regarding this debt on [ date you were contacted ] and wish to exercise my right to request further validation before proceeding with any discussions or payments. Please provide the following information : 1. Proof that I am legally obligated to pay this debt, including a copy of the original signed agreement or contract.

2. Itemized breakdown of the debt amount, including any fees, interest, or other charges.

3. Proof of ownership showing that your agency has the legal authority to collect this debt on behalf of the original creditor.

4. Details of the original creditor, including their name and contact information.

5. Verification of the statute of limitations, clarifying whether the debt is within the legal timeframe for collection. Please note that, according to the FDCPA, all collection activity must cease until the debt has been properly validated. I expect your response within 30 days of receipt of this letter. Failure to validate the debt may result in me reporting this incident to the Consumer Financial Protection Bureau ( CFPB ) and considering any further legal actions to protect my rights. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to XXXX XXXX twice to resolve issue ( s ) on information on my file in their company possession. Once I reviewed the file I requested the removal and deletion of ( NOD ) Notice of Default. They said they reviewed it with Equifax, XXXX and XXXX and they said they received the information from them. However no mortgage company is listed on my credit file/report. Then I requested for an reinvestigation and asked for the company that furnished the the information. And now there saying that the credit Bureaus supply them the information. However it was verified by XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a business credit card with Capital One. I learned that Capital One is reporting this business information to the XXXX credit bureaus, but this information should not show up on my personal credit report since I am not personally responsible for it. I filed a dispute with XXXX. They closed the dispute, left the information and told me to contact Capital One to have it removed. I contacted Capital One and they told me that only the credit bureau can correct it.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 reinvestigation 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. 

XXXX XXXX XXXXXXXX
Product: Debt collection

I have sent Transunion, the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me. I need them to remove the inaccurate account in the report as soon as possible. this is fraud account XXXX XXXX account # XXXX date opened XX/XX/year>
Product: Credit reporting or other personal consumer reports

I was attempting to get a loan with XXXX XXXX and was denied due to information on my Trans Union credit report.
Product: Credit card

Im disputing a charge of {$920.00} on my Comenity Bank/XXXX XXXX credit card account. The current balance of {$920.00} listed on my Comenity BankXXXX XXXX credit card account is a fraudulent transaction and not my transaction.
Product: Debt collection

I was contacted about a debt. I asked them to send me debt validation on XX/XX/XXXX as of this date XX/XX/XXXX I have not received any debt validation.
Product: Debt collection

I am writing to dispute a collection account listed under " XXXX XXXX XXXX' by XXXX XXXX or XXXX XXXX. This debt does not belong to me, and I request that it be removed from my credit report. Please investigate this matter and ensure that my credit history is accurately reflected. Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) .Account Name has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. 

XXXX XXXX XXXX Account number 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 DEPT OF EDXXXX. Posted XXXX on XXXX Account number 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 XXXX Account number 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