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

I am filing this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ) by TransUnion. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial situation.

Complaint Details : 1. Failing to Ensure Maximum Possible Accuracy The FCRA requires credit bureaus and creditors to ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been handled inadequately, demonstrating a failure to meet the FCRA 's accuracy standards.

2. Inadequate Investigation and Reliance on Automated Verification Systems Under the FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus are required to conduct thorough investigations of disputed information. However, my past disputes have been met with automated responses through systems such as e-OSCAR, which do not meet the legal requirements for a full investigation. This approach neglects a comprehensive review of disputed entries, perpetuating inaccurate information on my report.

3. Failure to Comply with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate account statements and disclose essential account information to consumers. XXXX has failed to comply with TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer. 4. Violation of FDCPA Rules on Accuracy and Non-Deceptive Practices The FDCPA requires debt collectors and information providers to report accurate and verifiable data. The accounts in question have been repeatedly reported incorrectly, with misleading information that has not been corrected despite my disputes, which is a violation of FDCPA protections.
Product: Prepaid card

This is a follow-up to complaint number XXXX. The company responded to that complaint by sending a new gift card ( this is the XXXX card ) which also does not work. The card can not be activated for use on either the company 's automated voice line or their website. A call to an agent of the company earlier today was not fruitful. The agent claims to have opened a ticket to address the issue but is unable or unwilling to provide a ticket number. The agent was also unable to activate the card and unable to transfer me to a person who could assist with activating the card. The agent 's suggestion was for me to call back again in XXXX business days. I suspect this return call will be unproductive given that there is not a ticket number to reference. 

It is becoming clear that, after XXXX unusable cards, this company has no intention to resolve this issue. I'm a XXXX XXXX with a lot of time to pursue this matter in a number of ways but would prefer to receive XXXX from this company without any additional hassle or delays.
Product: Mortgage

On XX/XX/XXXX I sent a letter to my mortgage company Rushmore Loan Management Services ( RLMS ) requesting release of my Private Mortgage Insurance ( PMI ). The letter is attached. I stated that my current loan value was {$78000.00}, and my property value was {$100000.00} according to the appraisal that the loan was based on. RLMS responded XX/XX/XXXX stating that my request was denied because the loan-to-value ratio had not reached 80 % based on the original value of the property. The response is attached. I then submitted a dispute via online secure message on XX/XX/XXXX explaining that I disagree with their loan-to-value ratio calculation. The correspondence is attached. I stated that the appraised value of the home was {$100000.00} ; the negotiated purchase price was {$90000.00}, and the original loan amount was {$85000.00}. Based on this information, my loan-to-value ratio was less than 80 %, thus I am eligible for release of PMI per Federal law and the Homeowner 's Protection Act of 1988. RLMS responded on XX/XX/XXXX saying that my current loan to original value is 78.2 %, but that they were still not releasing my PMI, but they wanted me to pay $ XXXX {$1000.00} to have an appraisal first. The response is attached. I am asking the CFPB to review this case and request that RLMS release my PMI as required by Federal law and the Homeowner 's Protection Act of 1988.
Product: Debt collection

I want to highlight that the collection agency has failed to provide validation of the alleged debt within the timeframe required by the Fair Debt Collection Practices Act ( FDCPA ). Despite their repeated claims that they are working on it, more than 60 days have passed since my initial request, which exceeds a reasonable period for validation. 

Under the FDCPA, a debt collector must provide proper validation of the debt upon request before continuing any collection activities. Their failure to do so indicates they lack the necessary documentation to substantiate the debt, yet they continue to communicate with me, which is both misleading and unlawful. 

I kindly ask the CFPB to take further action, as their lack of compliance undermines the purpose of the FDCPA and causes unnecessary stress. I also reserve my right to dispute this debt further or pursue legal remedies if this issue persists. 

Thank you for your assistance in holding this agency accountable.
Product: Debt collection

On XX/XX/2021 I received a update on my credit report stating that there was a debt owed for a total of {$1000.00}. I was not notified about this and this collection is inaccurate and not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX XXXX Has Violated my rights 15 U.S.C 1681 section 602 A. States I have the rights 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 card

ON XXXX/XXXX/2014 BARCLAYCARD MADE HARD INQUIRES ON MY CREDIT REPORT THAT I DIDNT CONSENT AND I HAVE WROTE THEM TO GET IT REMOVED BUT THEY HAVE FAILED TO DO SO
Product: Credit card or prepaid card

This is causing me a lot of stress and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I request a copy of my XXXX consumer report for freedom of information purposes since my information is involved. 

Furthermore i request a freeze to be added to my XXXX  consumer report pursuant to my fcra right as consumer. 

Attached is a copy of ID and SSN for Verification Purposes Please Send Me a letter Confirmation with My XXXX   Consumer Report Blocked To the address listed on that request Regards,
Product: Credit reporting or other personal consumer reports

In XXXX of 2018 I purchased tires through Acima I was given credit and Acima told me that this was a lease and that my information would not go on my credit report. My Account information regarding Acima is currently on my credit report, showing that the total amount of money owed was written off when it was not written off. I paid this account in full. Acima lied to me, I even called to find out how much I needed to pay that I owed I have filed many disputes with XXXX regarding the situation every time that XXXX notifies me through email they say they have my dispute results ready there is nothing in those dispute results that explain any kind of results, I have been working hard to repair my credit. In the beginning Acima before I signed any papers when I was on the phone with them they told me that no information would be posted to my credit report and the reason why I say this is because I wanted to get tires on credit to start to establish good credit with some type of company but they said that this was a lease and that none of my information about my payments would go on my credit report so why is Acima on my credit report?
Product: Debt collection

I file a claim on XXXX because the company fail to verify this debt. the company responded and never sent me verifiction of this debt. this needs to be removed from all reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30, 60, 0r 90 days late in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time to you when I received my statement. My only thought is that there was a billing error with my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the following partial Account # s have violated my rights. 
XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

The American Express website lists several methods to submit a payment. It states that in XXXX you can do a direct debit from your account to theirs ( American Express XXXX XXXX XXXX ). I mad a payment from my XXXX bank account in the amount of XXXX Euro on XX/XX/XXXX and another in the amount of XXXX Euro on XX/XX/XXXX. Both payments were taken from my account and never applied. I am, by the way, an American citizen living in XXXX. 

They opened several disputes and requested documented proof, which I provided. This included screen shots of their account number and amount from my bank. Each was closed without resolution, AMEX also claims to have tried to call me but phone records show this to be false. I have also called multiple times with the same result. The last time I called I was told by the representative that he was very sorry and that he would take personal control of the complaint, contact my bank and the account holder on their end to find and return or apply the payments. This also turned out to be false as no action was taken and I received to response. 

Today, XX/XX/XXXX, I utilized their online chat function to check on the status and was told I had to call in. When I did call in the representative stated that I did not make the payments and should try contacting the necessary banks myself. 

I am incredibly frustrated with AMEX for, at this point I believe theft/fraud, and a complete refusal to correct the issue. I submitted payments as per the instructions on their own website, they lost the money ( or have not tried to locate it ), meanwhile it has not been applied to my account or returned and I continue to incur interest charges, long distance charges for phone calls, and a loss of time fighting with them to correct their error. Customer service states each time ( until today ) that they are sorry and will sort it out. FALSE Please investigate this deceptive and/or fraudulent activity.
Product: Debt collection

XXXX XXXX XXXX used unscrupulous and deceptive practices to try to collect a debt. 
1. Unending calls even after I advised them to stop calling. One call came while I was in hospital being treated for a XXXX illness and the collector would not get off the phone. 
2. Debt collector fail to provide details and proof of debt even after being ordered to do so by the court. 
3. The collector intentionally shared misinformation about a continued court date, which I relied on and they showed up to court and secured summary judgement. 
4. Debt collector failed to negotiate in good faith. We made an offer, under duress, in the hospital just to make them go away. And they responded affirmatively with a letter that quoted an offer which was three times the amount that I actually offered. 
5. Debt collector continued to pursue action even though they were advised that the debt was not mine and further that I had retained counsel for the purpose of bankruptcy in XX/XX/XXXX and they refused to contact her. 
XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting late payment for XXXX, Transunion, And XXXX! Multiple disputes have been sent in to them with no update - no investigation and no replies back from company XXXX credit bureau. Inaccurate information is affecting my ability to obtain credit! Violation of 15 U.S.C 1681G XXXX XXXX  Bankruptcy with XXXX XXXX XXXX - Inaccurate reporting! This account is showing two different dates that a bankruptcy was filed/reported. It is also showing inaccurate reporting with the court it was " filed with ''. Bankruptcy on a persons consumers report is a Violation of title 15 USC 168 - right to privacy. Despite 9 written letters to the credit Bureau 's - this account is still reporting inaccurately affecting my ability to obtain credit. 

XXXX XXXX XXXX XXXX Reporting for XXXX XXXX XXXX- was included in bankruptcy - reporting inaccurate information - open date is wrong - credit limit is wrong - payment status is incorrect - reporting date is wrong - active date is wrong - and bankruptcy on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. I've sent out 9 Dispute letters with nothing resolved! 

XXXX XXXX - XXXX & XXXX - Reporting incorrect information! Open date = wrong. Account type is showing different details for both credit Bureau 's. High credit is incorrect and has two different numbers. Credit limit is inaccurate and showing two different numberes. No proof of investigation despite 9 letters to credit Bureau 's. This was included in bankruptcy - and bankruptcy on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. 

XXXX - XXXX XXXX XXXX - This was included in bankruptcy - and bankruptcy on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. On top of that - Credit limit is inaccurate - payment status is inaccurate - and active date is inaccurate. 

XXXX - XXXX - This was included in bankruptcy - and bankruptcy on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. 

XXXX XXXX - XXXX & XXXX XXXX account showing closed, paid and open - account is also showing one missed payment when there wasn't any missed payments. Despite 9 written letters - no change - no reply - and no update.
Product: Debt collection

I received a collection on my credit report from a collection agency that doesnt have a license in the state of texas i obtained my information from nmls
Product: Debt collection

I am battling stage  XXXX   XXXX   XXXX . I was being cared for at  XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  CA  XXXX . We have been receiving many bills which were incorrectly billed to the wrong insuranc e carrier e ven though every time we seek care at any of their facility, the first question we must answer is if our insurance has changed. Due to an employment change, our insurance had changed and the hospital as well as their doctor billing were informed by using their own process and providing them with our new cards. In addition, if we could not provides insurance, their policy is not to provide service.     We have been inundated with incorrect billing statements. Despite repeated phone calls and assurance from their representative "  XXXX  '', their incorrect billing was ultimately referred to a collection agency by the name of CMRE  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX  CA  XXXX .     I keep getting collection notices by which I answer by stating that until their billing is corrected, no one really know what is my part of the bill due. CMRE is beginning to use the tactic of resending the same collection notice immediately after the  XXXX  day cycle expires in an attempt of confusing us and by missing  XXXX  of their cycles will give them the opportunity of destroying our credit rating ( which is impeccable ).     All we have asked both from  XXXX   XXXX   XXXX   XXXX  and CMRE is to provide the accurate accounting instead of treating us like uninformed uneducated consumers.
Product: Credit card or prepaid card

I got a XXXX  XXXX XXXX credit card and paid it off, thinking everything was paid there was a past due amount for {$19.00} back in XXXX. It went past due for 30 days and then for 60 days so I called and they took off the late fees and I paid the {$19.00} but they still put it towards my credit score. I called them but they said they cant do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apparently somebody was able to get a whole apartment in my name. Without being mean they must have had some type of fake. ID or something I talked to the apartments and they were completely lost and did not know what to do they said that they would contact me back in. A couple of days and they did not I called them. And got an answer and was told that I would get a call back once again. I did not I have dispute it. This collections on my credit report several times to each credit bureau and it is still on there despite. Me never living out of california and apartment is in another state
Product: Credit card or prepaid card

After applying for a credit limit increase for both of my capital one credit cards, I would get an automatic letter stating that I had not qualified for an increase because of my credit score.  Every time the system pulled my credit score, it was off by at least 100 points which explains why the credit limit increase was not approved. The customer representatives are not able to do credit limit increases and are not familiar with how their own bank system works in regards to credit limit increases.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX @ XXXX has been resolvred/paid in full - previously this was a defaulted student loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Product: Credit reporting or other personal consumer reports

I reported data breech for a vehicle under XXXX XXXX XXXX and investigation no help or notices I also reported XXXX to Be remove because it was fully paid of XXXX do not dis agree with me. XXXX dont have no answers to why would credit bureau still have my information
Product: Checking or savings account

Mailed total of 12 letters via express mail for account closure, no response Requested a call back twice for account closure, also no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Bankruptcy cas no XXXX date of birth XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX la XXXX date XX/XX/XXXX My complaint is with Experian and XXXX credit bureaus the problem is Experian and XXXX   are reporting information they obtained from a third party. That not report accurate ( XXXX, pacer XXXX XXXX XXXX, ( XXXX, XXXX XXXX, I contact these company to freeze the account. I disputed the information of the bankruptcy with Experian and XXXX, I have supporting documents to support the information. The US BANKRUPTCY COURT dose not report to Experian and XXXX they refused to remove the reporting bankruptcy. this is violation of credit reporting third party, Disputed this information this month XX/XX/XXXX XXXX attachment thank you your assistant sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX attempt to dispute the information in my credit file which resulted from alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant to FCRA section 605B ( a ) ( 1 ) ( 2 ), you are required to remove any information in my file that resulted from alleged identity theft, not later than XXXX business days after the date of receipt within ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX Balance Owed : {$11000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft CITI Account Number : XXXX This is not mine. 

2. Identity Theft XXXX CARD Account Number : XXXX This is not mine. 

experian 1. Identity Theft CITI Account Number : XXXX This is not mine. 

2. Identity Theft XXXX CARD Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft CITI Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  N.A. 
Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to you to follow up regarding unauthorized inquiries that have been.

reported on my credit report. Despite my repeated attempts to rectify this issue, the unauthorized inquiries remain unresolved. Furthermore, the presence of these inquiries without my consent may constitute violations of the Fair Credit Reporting Act ( FCRA ).

I have previously submitted disputes regarding these unauthorized inquiries and have not received satisfactory resolutions. As a consumer, I have the right to authorize any inquiries made into my credit history, and any inquiries made without my consent are in direct violation of my rights under the FCRA.

The continued reporting of these unauthorized inquiries not only affects my credit score but also undermines my privacy and security. It is imperative that immediate action be taken to investigate and remove these unauthorized inquiries from my credit report.
Product: Debt collection

For the past month, I have received several daily phone calls from Trans World Systems , Inc. ( XXXX ) I have spoken to several agents and told them repeatedly that I am NOT the person they are trying to reach. I have spoken to agents when they call and I have even given them the phone number of the person they are attempting to contact ... .all to no avail. I was assigned my phone number through XXXX XXXX three years ago. Since that time, I have been contacted by banks, credit card firms, resorts, insurance companies, etc. all looking for the same person. I found that person by simply XXXX the name and I pass that information on. I am sick and tired of getting phone calls from this company day in and day out.