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

In XXXX my wallet was stolen from me, it contained all my personal identifying information. MY driver license, debit cards, credit cards, social security card as well as insurance information for myself and my children. I replaced my ID, SSN card and canceled my debit/credit cards. However, someone has fraudulently opened accounts in my name on numerous occasions as well as made hard inquiries with my information all without my knowledge. After contacting Experian by phone I was told the information I needed to submit in order to have the fraudulent accounts blocked from my credit report. On XX/XX/XXXX I mailed a Federal Trade Commission Identity Theft Report to Experian at XXXX XXXX  XXXX, XXXX TX XXXX. This certified letter with return receipt was received and picked up on XX/XX/XXXX by Experian see attached documents for proof. On the FTC ID theft report I listed the following account as FRAUD " XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX  '' Account number XXXX opened in XX/XX/XXXX and " XXXX XXXX '' Account number XXXX opened inXX/XX/XXXX. I have contacted Experian on numerous occasions spoke to numerous customer service agents as well as the fraud department disputing these accounts but yet Experian continues to report the inaccurate information on my credit file. This is unacceptable. I have not heard anything back from Experian regarding my ID theft Affidavit and am extremely upset. I am officially challenging your right to report the erroneous information listed on my credit report. You are not supposed to be storing information in your files as it is provided to you by creditors. THE LAW says you are supposed to verify and validate the information supplied to you first. These accounts do not belong to me and should be BLOCKED from my credit file. Please be advised that according to FCRA SECTION 605 ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have provided all this info by certified mail and through fax. All I want as a consumer is to have an accurate credit file. I have utilized all my available resources. Please see all the attachments I have provided. I want these accounts BLOCKED from my credit file as stated by FCRA Section 605, the 4 day period has passed you should have more than enough information. Should you fail to follow the LAW and continue to report fraudulent information under my SSN I will file complaints with BBB, FTC, ATTORNEY GENERALS OFFICE, TEXAS COMPTROLLERS OFFICES AND SO UNTIL THE MATTER IS RESOLVED. As well as seek the assistance of an attorney. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

there are errors on my report because of breech with XXXX but it seems as though the credit reporting company will not delete incorrect information. HOW CAN I GET ITEMS DELETED OR REMOVED THEY ARE NOT MINE, MY IDENTITY WAS STOLEN.
Product: Debt collection

Used XXXX  to find my mom who has the same name as me, XXXX XXXX, at one point before going back to her maiden namee, XXXX. Called my elderly mom, XXXX XXXX, now XXXX XXXX, who is XXXX yrs old and preceded to yell at her demanding payment. Didn't believe they called the wrong person. Didn't believe her when she said she didn't know what they were talking about. Tried to get information out of her of where I could be reached. Made.her unpleasantly unsettled and worried. Mom called me and told me this happened on Tuesday, XX/XX/XXXX around lunchtime. 
Them this company claimed they are a dispute resolution center which when you XXXX that, comes up with a government website unrelated to them and makes the consumer scared tactics thinking it's the government. 
Then they tried to text and send emails to old phone numbers until one worked.

Nothing was ever sent to my house by US mail. I demand a letter with the ability to dispute whatever they are claiming. 

My identity was stolen previously and reported. If no notice with dispute ability is not sent by US mailed, by address on file with original creditor,, they will be ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I was involved in the Experian data breach and a freeze was placed on my social security number and no one can run my credit. But I have 6 inquiries on my credit report that companies are running my credit without my permission even though it's a freeze on my ss # .I wrote all 3 credit bureaus explain to them that I didn't give anyone the authorization to run my credit and please remove the inquiries. The last time I ran my credit is XX/XX/2016 to purchase a car.Since then I have not ran my credit. I can not get all 3 credit bureaus to remove the inquiries. They told me to contact the companies who ran my credit and I did.Nothing was done inquiries are still there.
Product: Debt collection

portfolio recovery is in Violation of 15 U.S. code 5 1681b permissible purposes of consumer report.

15 US code 1681a ( 2 ) ( b ).

Maximum Accuracy 15 US code 1681e ( b ) 15 USC code 1692F Violation section 808 unfair dept practices.

15 usc code 1692G
Product: Debt collection

One main financial this account is closed and has been reported closed its not in collections nor assigned to any agency! They report is being closed each time I dispute it yet send me anything! This account is settled! Please remove from my credit report
Product: Checking or savings account

On XX/XX/XXXX I attempted to withdraw {$500.00} from an ATM. The ATM displayed an error and didn't distribute the funds. However, the {$500.00} had been taken from my account. I called the XXXX number on the ATM and drove immediately to the nearest XXXXXXXX XXXX location . The person at XXXX XXXX told me I would have to file a dispute with my bank for that transaction. So, I went home and filed the dispute immediately. In the meantime, I was credited the {$500.00} while the dispute was being reviewed. Six weeks later, I notice that my bank, USAA, took the {$500.00} back out ( XX/XX/XXXX. ) I called USAA on XX/XX/XXXX to ask why the funds were taken out and they stated that they received information from XXXXXXXX XXXX  stating that no error had occurred. I asked my bank, USAA, to open up the dispute again and request VIDEO from the ATM to verify. On XX/XX/XXXX I filed a report with my local police department and they went to the bank to request video. On XX/XX/XXXX I also filed a complaint with the XXXX I have yet to hear back from my local PD. On XX/XX/XXXX I called USAA again and requested that they ask for video evidence and why my dispute hadn't been reopened. On XX/XX/XXXX I called USAA again and asked why a member of their dispute team hadn't called me back yet. At that point in time, I was informed that they reviewed my call from XX/XX/XXXX and that there was in fact an error at the ATM and that I would be getting my {$500.00} back in the next 1-2 days and that I would receive a call from a manager within XXXX hours to confirm this and provide written confirmation. On XX/XX/XXXX I hadn't heard back from USAA so I contacted them. Now, they're saying that there were no notes put in to reflect the refund of {$500.00} or the request for a manager call back. On XX/XX/XXXX I called XXXXXXXX XXXX again and they stated that to obtain video footage of this transaction as proof that I didn't receive my funds, USAA would be required to request a copy of said video. At that time, I called USAA and informed them that USAA would need to submit a request for a copy of the video footage. I was then informed that they would make a note of this and that I would hear back within XXXX hours. As of XX/XX/XXXX, I hadn't heard anything from USAA and called them. XXXX, the individual responsible for my case, wasn't available so the agent on the phone took my information and said that I would hear back from her or her boss today. ( This was the second time I'd asked to speak to her supervisor about the information I had received, the information I was trying to provide and the way this situation had been handled by this bank. ) As of XXXX on XX/XX/XXXX, I still have not received any type of communication from XXXX or her supervisor.
Product: Credit reporting

I had a bankruptcy XXXX years ago, and it is still showing up on equifax, which is preventing me from buying a home at a good rate. They need to take it off like XXXX did so my score will be XXXX
Product: Debt collection

All of the accounts I have listed below have constantly been disputed and removed but somehow reappear because they are saying my account information has been sold so these companies listed below. I have now prior history with the accounts listed below. I have seen and had multiple alerts of data breaches from big cooperations. These accounts need to be removed from all three credit buraus XXXX, XXXX, and XXXX. Below are five listed accounts. Thank you. 

{$640.00} Open balance XXXX XXXX XXXX  {$600.00} Open balance LVNV FUNDING LLC XXXX Open balance LVNV FUNDING LLC XXXX Open balance XXXX XXXX XXXX  XXXX Open balance XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( i ) I required Experian to send me the description of the procedures of the reinvestigation of the furnishing of inaccurate information that I disputed on my consumer report.
Product: Credit reporting

I mailed a letter asking TransUnion to add a credit account on my credit report. The creditor did not report the account to the Credit Agencies. They told me to write a letter to them giving them the name of the creditor, account information. This way my credit history builds up. Trying to rebuild my credit and the information was missing. I paid off the account in full and would like to get credit for that. The letter was sent certified, I got a letter back stating that the information I was disputing was not on my credit report. The letter states it is not a dispute rather correction since it does not show on my credit report. The creditor told me to contact all of the XXXX credit agencies. TransUnion does not give you the opportunity to add accounts that are missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the ( FCRA ) Fair Credit Reporting Act, XXXX XXXX XXXX  AZ 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 card

I ordered a spa cover on XXXX the XXXX from XXXX XXXX XXXX XXXX XXXX XXXX Ca and they charged our XXXX Card for XXXX. We called them later that day to tell them that our spa maintemance guy had found a leak in our in ground spa and that he said it could not be fixed. He said that since he had already charged our credit card that we had to pay him for the {$35.00} in discount fees. Surcharging is illegal in CA and we live in that state. I requested that he issue a credit on XX/XX/XXXX and followed up with him in XXXX to let him know that we had not received the credit. We called our credit card and disputed it. He is not threatening a lawsuit if we do n't pay {$70.00} in crediot card fees he incurred for both the sell and chargeback.
Product: Credit card

XX/XX/24 : Made a {$5000.00} payment on a business credit card account. 
XX/XX/24 : My non-Truist bank that houses my checking account released the funds to Truist. 
XX/XX/24 : Realized there was a problem when I tried to use the card, and the transaction would not go through. 
XX/XX/24 and XX/XX/24 : called Truist customer service multiple times. Was informed that my payment was large, and therefore a hold was placed on the majority of the payment. {$5000.00} is large to a XXXX dollar  company?!! Tried to get them to release the hold, which I know they are perfectly capable of doing, but was told I would have to continue to wait until Monday evening possibly Tuesday morning. I asked for a manager to step up the the process, but was basically placed on hold for 30 minutes. Each time that I called and asked why a hold was there, one of the questions they asked was did you make this payment from a Truist checking account? When I responded with no, their comment was simply oh. 
So pretty much they are telling me that Truist is punishing its credit card holders for not having Truist checking accounts by placing excessive holds of 96+ hours on their payments. 
They continued to say that they had to verify the funds before they could release the hold. My bank released the money to Truist on XX/XX/24. Theyve got my money, so what is there to verify? 
XX/XX/24 : Filed a complaint with the XXXX and then filed this complaint, as a credit card company should not have the legal right to hold payments for 96+ hours when people running businesses need to have their credit cards available. 
Let me further state : Ive never made a late payment to Truist, Ive never went over my credit card limit, Ive never requested a credit limit increase, I very rarely allow the balance to roll over, as in the card is paid in full every month, I do not file repeated disputes, therefore Truist has no reason to be holding my payments.
Product: Debt collection

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT Dear CCS Collections, I demand that you cease and desist all attempts to contact me. I have not provided a permissible purpose for CCS Collections to correspond with me. You have violated multiple provisions that you are required to adhere to under the FDCPA. This act was created to protect my rights as a consumer from companies like yours. I have not provided my wet ink signature to you or XXXX for this alleged debt. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract. I have not signed a legal binding contract with XXXX or CCS Collections. I HAVE NO KNOWLEDGE OF THIS ALLEGED DEBT I DONT OWE YOU ANYTHING! I have contacted the Attorney General, CFPB, and the XXXX XXXX XXXX to inform them of your unfair, abusive, and deceptive debt collection practices. I DISPUTE THE ENTIRE AMOUNT OF THIS ALLEGED DEBT.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  XXXX - XXXX, XXXX XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched # XXXX XX/XX/XXXX Experian Credit Report Dispute RESULTS. Kindly Note The Account Number You Provided DOES NOT MATCH ( ** UNFAIR CREDIT REPORTING BY XXXX should be illegal ) Kindly Note XXXX XXXX XXXX  ( *Partial Acct # XXXX **DATE OPENED XXXX XXXX Listed is Part Of See Attatched VISA/MSTR DEBT XXXX 1099-C CANCELATION OF DEBT XX/XX/XXXX. XXXX CHANGED NUMBERS. 5 years later ALL XXXX MSTR CARDS WERE AUTOMATICALLY TURNED INTO VISA ' s XXXX WITHOUT MY KNOWLEDGE Kindly Note Account CONFIRMS VISA/MSTR DEBT. This debt cancelled XX/XX/XXXX XXXX Five years later I AM HELD LIABLE FOR A VISA end XXXX I DID NOT AUTHORIZE OR APPLY OR AGREE TO OPEN ANY CREDITCARD WITH XXXX OTHER THAN THE XX/XX/XXXX CANCELED DEBT??? Is This even LEGAL??? Clearly, It is Not Fair.
Product: Payday loan, title loan, or personal loan

Got a payday loan from Amscot and when I could not pay back when the loan was due. I first call and had to get extended two and a half weeks, and second time a week on the phone, but do to hardship I still was unable to pay, so I went in on the last day they had extended it. And ask for a grace period extended and was denied. And they said because they had extended over the phone twice without me know that they was going hold it against me when I actually went in to ask for a grace period extension. They also said, they was going putting the check through and charge me XXXX dollars.
Product: Student loan

XX/XX/XXXX I called Edfinancial to change my payment plan to the standard repayment plan. They called me back XX/XX/XXXX and informed me it would take 10-14 days. 

I called again on XX/XX/XXXX because my payment plan still had not been changed. They called back on XX/XX/XXXX and informed me that it would take 7 more days. 

I have been unable to reach them by phone since XX/XX/XXXX, their online chat system is unavailable, and they have not responded to emails sent through their web contact form. My payment plan still has not been changed. I need to change to a standard repayment plan because the income driven repayment is preventing me from entering paid ahead status for a lump sum payment I would like to make, a piece of information that was not available to me when I applied for the income driven repayment. For 41 days the loans have continued to accrue interest on the amount that I would like to be able to pay off and they continue to refuse to process my request for a standard repayment plan or respond to any communications.
Product: Credit reporting or other personal consumer reports

I feeXXXX XXXX XXXX XXXX. Ive been consistently ignored with my request to correct inaccuracies from my credit report.
Product: Debt collection

I requested terms of service that includes interest payment. My medical bills came as a result of a XXXX XXXX.
Product: Vehicle loan or lease

We have had our job slow down down on us in XX/XX/XXXX discussed this. With them told them we were out work the week before XXXX and XXXX week.When we went back theh harrassed.us in XXXX every day XXXX to 3 times aday. In XXXX first time every we spoke to.a floor manager who helped us and we made a payment and made XXXX in XXXX but we struggled to make those payments by XXXX the business slowed down and this all had to do with the economy and this is our business. So we spoke to them in XXXX and we told them the same are work was slow we have struggled yes we have payed some bills but this car payment is {$630.00} for a XXXX XXXX encore 5 year contract and were just at XXXX XXXX.we stated with {$40000.00} and the car was only XXXX a d some change and the percentage is high but anyway they just said I'm XXXX please make your payment or we haven't heard from then they have not called us since XXXX! I called Friday XX/XX/XXXX and asked the young girl about a hardship program and that we had not heard from them at all she said a d I qoute ( we don't have your number ) but if I can pay {$280.00} she could see what she could do. I just told her we were broke and need help. We have not every had a deffered payment through this company. THE LAWSUIT AGAINST THEM IS CORRECT THEY ARE TO EXPENSIVE, PAYMENTS TO HIGH
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 there was a Breach for XXXX which i was apparently part of. On XX/XX/XXXX I received an email from XXXX XXXX regarding 3 accounts checking, savings and money market in my name that were opened. I did not open them and i contacted their fraud department. Yesterday I received a letter in the mail from XXXX Stating i opened an investment account. I did not and notified them of this. I then went online and put a security freeze on my credit reports and XXXX report. All except 1 company. That was transunion. It temporarily suspended my account because it cant confrim my identity. When i submited request to fix issue it wouldnt let me. I am now attempting to do this via USPS because the only way to contact these people is via social media to which i dont have and dont want to have. They are causing a dely in what i deem a time sensitive issue and id like to hear from them
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I found late payments. Despite sending letters over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly request your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed in the attached documents, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I have reach out to TransUnion and have sent them a letter pertaining to my issue, however no changes have been made to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion failed to comply with 15 USC 1681s-2 ( b ). TransUnion is civilly liable under 15 USC 1681 ( n ) ( i ) A dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher.

TransUnion failed to conduct a reasonable procedure by their own industry standard of Metro 2. TransUnion failed the Metro 2 standard requirement to report the full DOFD a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported.

TransUnion failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. TransUnion failed to report consecutive 24 months of payment history. Failing to report accurately presents willful noncompliance. 
In conclusion, TransUnion has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits.

Therefore under 15 USC 1681n TransUnion is liable for actual damages, {$1000.00} violation and punitive damages.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Currently have some fraudulent accounts and inquiries appearing on my credit report I have listed supporting documentation below.