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

I have contacted the CRA multiple times via Certified Mail and their online dispute system ( which seldom works ). There are multiple entries listed on my credit report in error, which I have tried to have removed repeatedly. It has come to my attention that multiple unauthorized credit inquiries have been listed, and continue to be listed after being informed that these inquiries were provided in violation of the FCRA, and continue to be listed in violation of the FCRA.>>>> As you well know it is a violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 et  seq. to report erroneous information on a credit report. I demand that Transunion expunge the reporting of the unauthorized inquiries listed hereafter, as it is a willful violation of the reporting requirements of 15 U.S.C. 1681-1681x. Id. 40-43.>>> As stated in Transunion 's most recent XXXX, Transunion 's U.S. operations `` are subject to numerous laws that regulate privacy, data security and the use of consumer credit or an individuals healthcare information. Certain of these laws provide for civil and criminal penalties for the unauthorized release of, or access to, this protected information. '' And, " The law contains an attorney fee shifting provision to provide an incentive to consumers to bring individual or class action lawsuits against a consumer reporting agency for violations of FCRA. " >>>> The continued reporting of these unauthorized inquires constitute both negligent and willful violations the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681-1681x.>>>> I both have placed a fraud alert on my Transunion report and requested a lock on my report so third parties, such as lenders or other companies, will not be able to access your credit report without your consent. Still, I just received an alert for a new unauthorized inquiry by XXXX XXXX XXXX>>> The following Inquiries are unauthorized, all others are verified as authorized : 1. XXXX XXXX XXXX  - Date : XX/XX/XXXX, XXXX>>> 2. XXXX XXXX XXXX - Date : XX/XX/XXXX, XXXX>>> 3. XXXX XXXX XXXX - Date : XX/XX/XXXX, XXXX>>>> 4. XXXX - Date ( s ) : XX/XX/XXXX &XX/XX/XXXX>>>
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more.

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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$750.00}
Product: Debt collection

I keep getting a robocall 2-5x per day from Advance America asking for someone to pay their debt. That person is completely unknown to me. The robocall ends with saying if I am not the person, please ignore. The volume of calls has become an annoyance.
Product: Money transfer, virtual currency, or money service

I use Square to receive payments for my candle business. Square sent a payment to a old account with XXXX XXXX ( closed XXXX ) instead of my current account which Square already have on file. I dont understand why this happened, I previously received payments to my newer account. I reached out to XXXX XXXX, customer rep advised being that my acct was closed, they sent the funds back to Square XX/XX/XXXX. Ive emailed Square several times, its been over 130 days and I have not received my funds. If a customer acct is closed with Square, they will not communicate via live customer service, instead they give you a code thru chat online, you must enter the code only to be told your acct is closed. {$63.00} is owed to me since XX/XX/XXXX, please help.
Product: Debt collection

A consumer credit transaction was initiated with XXXX XXXX in 2021 with this debt collector, and they have published deceptive forms to make me believe I owe a debt, along with illegally reporting to my consumer credit report that I gave no written consent for. I have gotten repeated harassing phone calls and text messages, about this alleged debt and it has impacted my life and business.
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to Equifax regarding the following account numbers : XXXX XXXX XXXX XXXX XXXX XXXX I have sent disputes to XXXX regarding the following account numbers : XXXX, XXXX and XXXX. I have sent dispute requests to XXXX regarding the following account numbers : XXXX, XXXX, XXXX, XXXX and XXXX. The date of these disputes are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite these letters being sent to these three bureaus, there has been no resolution or corrections. Furthermore, there is no dispute verbiage on these accounts.
Product: Credit card

I was paying the bill but I lost my job and they add fees to the account
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXXXXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : 1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 
3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not adhered to 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 Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.
Product: Credit card

I have had a cash back credit card with Citibank ( Citi Dividend Card ) that allows you to earn XXXX % every quarter on different types of purchases. It advertised XXXX % cash back when you use your card at The Home Depot and any home and garden store between XXXX XXXX and XXXX XXXX 2015. I made a {$620.00} purchase of an outdoor canopy for my backyard at XXXX, which sells home and garden merchandise and is a direct competitor of Home Depot, on XXXX XXXX, but was denied the XXXX % cash back because they claimed XXXX was a wholesale store and not part of the promotion. I believe this is false advertising on the part of Citibank.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputed regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which mandates a reasonable investigation of disputes. Furthermore, The CFPB has recently filed a lawsuit against the company for failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failings align with my experience, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as the company 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I received XXXX payment from my own friend for {$2500.00} twice in few days apart because I needed help on my bills and I loan from my friend. I try to login to my account on Friday XX/XX/XXXX I was told that my account is closed and under further investigation n I wont get my funds. I dont care if the account close but I have funds approximately {$5700.00} in the account from two XXXX payments and work received check like I stated earlier I really need my funds to make payments
Product: Debt collection

After viewing a copy of my report, I noticed a collection account placed on my credit report from AD Astra Recovery Serv on XX/XX/2019 in the amount of {$660.00}. First and foremost, I have confirmed that the debt collector, AD Astra Recovery Serv is not licensed in the state of Louisiana to collect on this debt. Secondly, AD Astra Recovery Serv violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to AD Astra Recovery Serv? I have never heard of them, have no written contract with them and have never received any benefits from them, yet AD Astra Recovery Serv has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$660.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation inaccurate information or id theft victim i sent them
Product: Checking or savings account

On XX/XX/XXXX a debit for {$20.00} came out of my account but it came out in the middle of the night and with in hours I got a notification that I got a {$35.00} charge. There was no chance for me to even step into the bank at opening time or ask my cousin to XXXX me money to cover the cost. This is unfair at least give people until the next day if you all are gon na debit things in the middle of the night.
Product: Bank account or service

Chase bank withdrew {$1800.00} on XXXX/XXXX/2016 without permission and has been giving me the run around in regards to getting it back to me. The issue stems from a cashier 's check that was drawn on my account and subsequently returned ; however, since they decided to just take the money back out, I am now stranded XXXX miles away from my home, with an overdrawn bank account and bills that need to be paid. They have no legal right to my money and they have no cause to act so slowly. It must be noted that the employees at the branch were extra helpful and went above and beyond in assisting me with this issue, but still could not get it resolved. They were told that I had to resolve the issue.
Product: Debt collection

Navy Federal Credit Union never informed me of my right to rescind this consumer credit transaction. My right to RESCIND this transaction was not contained in the any of the documentary evidence I received from them. 

The documentary evidence/installment contract is filled with inadequate and empty disclosures that are violations to federal consumer laws found in TRUTH IN LENDING. 

I have made it clear to NCFU that I do wish to rescind this contract and they have refused without explanation. 

They do not have a promissory note with my wet signature agreeing to their demands regarding the secuirty interest ''. I REFUSED TO SIGN! 

NFCU HAS USED false and misleading LANGUAGE to lead me to believe they could either repose my vehicle, which would be a violation to 15 USC 1692e ( 4 ) NFCU is attempting to lead me to also believe my only other option in this matter is bankruptcy, when they refuse my right to rescind. NFCU is using the same deceptive tactics XXXX XXXX XXXX XXXX was found guilty of.
Product: Debt collection

I called American Coradius international LLC. I asked them about the debt I owed, but XXXX XXXX couldn't even provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance {$0.00} ), XXXX XXXX XXXX XXXX, Balance {$0.00} ), XXXX XXXX XXXX  Date XXXX XXXX XX/XX/XXXX Balance {$0.00} ), XXXX XXXX XXXX ( XXXX XXXX XXXX XX/XX/XXXX, Balance {$0.00} ), XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX, Balance {$100.00} ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Balance {$0.00} )XXXX XXXX XXXX  Date Opened XXXX XX/XX/XXXX XXXX Balance {$0.00} ), XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance {$280.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus Experian, XXXX, XXXX, and XXXX XXXX stated account name & Account #, XXXX XXXX  IN XXXX XXXX XXXX  XXXX XXXX IN XXXX ( XXXX ) XXXX identification number XXXX IRA, Address ID # XXXX. All four credit reporting agencies indicated that the account were properly investigation but how is that possible in the open date is inaccurate, the date last active is inaccurate, and date last repored is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearky states a consumer reporting agency can not furnish a account without my written instructions. They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they recieve disputes. They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law cleary states if iteims are found inaccurate or can not be verified the consumer reporting shall propmptly delete the information from the file of the consumer. XX/XX/2022 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if the case. How did the credit bureaus edify my bankruptcies as 100 % Accurate. They never did a fair investigation according to th 15 USC 1681. 15 USC 1681 Section 603 ( 3 ) ( E ) states ; The term ''investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's chahracter, general reputation, personal characteristics, or mode of living is obtained through personal interviews withneighbors, friends, or associates of the consumer reported on orwith others with whom he is acquainted or who may have knowlege concerning ny such items of onformation. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information ws obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to 15USC 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. XXXX  times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX. ( address : XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX ) was pursuing me for XXXX year old credit card debt. This case was eventually brought before a judge on XX/XX/2020, and I represented myself pro se in the case vs. the company 's lawyers. The case was dismissed by the judge ( on the court docket it says 'Dismissed by Court XXXX ). After this, XXXX XXXX stopped pursuing me for this debt. However, XXXX XXXX is still updating my credit report each month regarding this debt. I would like XXXX XXXX to respect the judge 's decision and cease reporting this dismissed debt to my credit report. 

I have tried to contact both XXXX XXXX and the company 's legal firm on numerous occasions via phone and email, but I have not received a response.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$270.00}
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of credit card account number XXXXXXXX XXXX XXXX  # XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.