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

I am filing a formal complaint against TransUnion for its failure to remove an unverifiable and inaccurate account from my credit report. The account in question, XXXX XXXX XXXX, should no longer be reported because the company permanently ceased operations on XX/XX/year>, making it impossible for the debt to be verified. 

Under 15 USC 1681s-2b of the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to conduct a reasonable investigation when a consumer disputes an account. Since XXXX is no longer in business, there is no legal way to verify this debt, and TransUnion is in violation of federal law by continuing to report it. 

Additionally, 15 USC 1681i requires credit reporting agencies to ensure that all information in a consumers file is accurate and verifiable. If an account can not be verified, it must be removed immediately. Despite my prior disputes, TransUnion has failed to comply, causing undue harm to my credit profile. 

Under 15 USC 1681n and 1681o, TransUnion is civilly liable for both willful and negligent noncompliance with the FCRA. Due to their continued failure to act in accordance with the law, I intend to pursue legal action for each violation. I plan to seek {$1000.00} per violation, as permitted under FCRA guidelines, for the damages caused by this incorrect reporting. 

To eliminate any unnecessary delays or stalling tactics, I have attached proof of my identity with this submission. This includes a copy of my government-issued ID and any other documents necessary to validate my identity. I expect this to expedite the resolution process and prevent any further obstruction of my legal rights.
Product: Debt collection

Good Afternoon, NATIONAL CREDIT SYSTEMS Date opened : XX/XX/2017 Person who is Associated is : XXXX XXXX  Asking for amount : {$31000.00} for Original creditor XXXX XXXXXXXX XXXX XXXX Detail : I was not aware of this until recently and XXXX told me about it when I was doing my credit check and I have no idea this happened before and my identification was used and I did not authorize this. I have disputed with expedience few time and they advised me to file FTD and send them the information.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment entries on my credit report under the protections provided by the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( 15 U.S. Code 1666b ). After reviewing my credit report, I have found that certain late payment entries are either inaccurate or unverifiable. I request a thorough investigation into these entries and their removal if they are found to be incorrect or can not be verified. The account ( XXXX ) in question is/are as follows : Creditor Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Date of Late Payment : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> XX/XX/year>, XX/XX/year>, XX/XX/year>. Under 15 U.S. Code 1666b, creditors are required to promptly credit payments to the consumers account on the date they are received or earlier if applicable. If the creditor failed to properly apply my payments or reported erroneous late payments, this constitutes a violation of federal law. Therefore, I kindly ask that you investigate these entries, as they may reflect incorrect information or improper billing practices. Additionally, in accordance with 15 U.S. Code 1681i of the Fair Credit Reporting Act, I request that your agency ensure the reported information is accurate, complete, and verifiable. If it is not, I ask that it be promptly removed from my credit report. Failure to correct inaccurate information within the legally mandated time frame could further violate my rights as a consumer under these federal statutes. Please provide written confirmation of any changes made and send me an updated copy of my credit report once the investigation is complete. Thank you for your attention to this matter, and I look forward to your response within the 30-day timeframe required by the FCRA.
Product: Student loan

I had a student loan with XXXX i called and thought they were forgiven through a program next thing i know NAVIENT ON MY CREADIT INTEREST RATES THROUGH THE ROOF I WROTE TO NAVIENT NO RESPONSE I TRIED GOING ON NAVIENT WEB SITE IT KEEP SAYING MY INFORMATION DONT MATCH THIS IS MESSING UP MY CREDIT I NEVER TOOK OUT AN LOAN WITH THEM! I even contacted all 3 creditors. I 'm stress out about this
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and lseek appropriate redress for these violations.
Product: Checking or savings account

XXXXXXXX XXXX affiliate from XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/2022 A dispute was made the company was charging {$14.00} XXXX cents USD Over a transaction that I used another card from so if to transfer that amount to my card but was later returned to original XXXX card because failed to accept each. 

XXXX company charged me XXXX Which I should not been charged since transaction was not completed and money was retuned to XXXX  ain't and company still asking for XXXX even if money from XXXX card not XXXX  I spoke to this of XXXX  the banking issue im correct I shouldn't be charged. For money already been returned. And the company also closed my acct and cause me fraud along side stating someone else or myself open separate account and they also banned me from bank and also told me I don't have option to pay even wanted to balance I shouldn't been charged can't money already returned to original XXXX bank instead XXXX closed acct and ended dispute of charge mine and but my acct flagged as fraud and also claim someone else or me open separate acct and fraud was done and my identity was not confirmed which is ridiculous because when I open card my id was accepted but months later im told diff my identity not confirmed and suspect fraud. And im being charged an amount was already returned to XXXX by XXXX  bank by XXXX and customer service only told me acct closed im banned from the bank and label my acct fraud since claim someone else or me act was made.
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. TransUnion 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 credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX 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 XXXX days straight with transunion 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 Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX 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 XXXX XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX 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 im XXXX  XXXX cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. The did not do this. Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account XXXX XXXX XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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: Debt collection

I have been disputing a debt repeatedly for years and now I have a sheriffshow up on my doorstep to serve me papers? This has gone on long enough. This is not my debt, never has been. I do not know where this came from. I have disputed this over 5 times with credit karma and got the same response back. Nothing is looked into, its just confirmed. This seems to be commonplace with Portfolio considering the reviews and complaints I have read. I am a XXXX percent XXXX veteran, I do not work and my benefits are my only sourceof income. Again, this is not my debt and this is just adding more stress into my life with the threat of having benefits deducted for a debt that is not even mine.
Product: Debt collection

When I began to transact business with XXXX XXXX XXXX on XXXX XXXX, XXXX, I received {$5000.00}. To date, I have repaid {$6300.00} : The original {$5000.00} plus {$1300.00} extra. With no official notice to me, XXXX XXXX went out of business in XXXX XXXX yet, I unknowingly continued to pay towards the loan and follow all the rules handed to me by CashCall and XXXX XXXX who acted as debt collectors and continued to harass and collect thousands of dollars for XXXX. After discussing the loan with my tax preparer and embarking on my own investigating, I decided to stop paying XXXX, CashCall, and XXXX XXXX until I got answers. In XXXX of XXXX, I learned XXXX XXXX hired the XXXX XXXX XXXX XXXX XXXX XXXX. Nothing Attorney XXXX XXXX submitted to the Attorney General Office of Illinois around XXXX XXXX, XXXX sounded reasonable to me. Further, no one from the XXXX XXXX XXXX XXXX XXXX XXXX ever contacted me DIRECTLY, made XXXX phone call, left XXXX voice message instructing me to contact that LAW OFFICE, or delivered XXXX piece of mail instructing me to do the same. If any of this had occurred, I would have in turn, contacted an attorney and given that information to the attorney so that the attorneys could discuss the issues, not me. I was only instructed to contact XXXX XXXX, Customer Service Manager at XXXX and " work out a mutually agreeable settlement in this matter ''. These instructions were typed within Attorney XXXX response to the Illinois Attorney General XXXX. To me, this sounded like yet another invitation to speak with another customer service representative and be further kicked around again. I chose not to engage. 
For an entire year following, no one called or wrote me until XXXX when a male representative from CashCall began calling and left a message for me to contact his office to set up payment arrangements. Shortly after, in XXXX and XXXX XXXX, I received debt collection letters from CashCall informing me I now owed balances of {$12000.00} in XXXX XXXX, and {$12000.00} in XXXX XXXX : Both balances being well over and above the original amount of {$5000.00} borrowed. After checking my credit reports with XXXX in XXXX of XXXX, I discovered that CashCall followed through on their threats to report negatively on my credit reports therefore further damaging my chances to receive honest credit from honest lenders. Surprisingly, nothing was ever negatively reported regarding either XXXX XXXX, CashCall, or XXXX XXXX in XXXX, or XXXX. I believe the only thing I ever saw was either CashCall or XXXX XXXX listed as a creditor on my reports but neither ever reported any dollar amounts or payment histories.XXXX was never listed and they were the ones I got the money from. I also believe when I XXXX began to complain back in XXXX of XXXX, the only thing I did see on my credit report was a " closed '' account. I thought since the account was " closed '', nothing else could or would be reported. I will verify what happened with the credit bureaus on a normal working day for accuracy because today is a national holiday. I will later be attaching the results from the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies pulled credit without contacting me.
Product: Debt collection

NPG Associates at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX with local number with area codes using XXXX and XXXX. 
On XXXX XXXX XXXXXXXX  I rec 'd a call from an unknown phone number. They call, misrepresenting themselves. I called them back. I was yelled at and harassed on a recorded line. As well as hung up on when I asked for their company name and address. Very, very rude! I already reported them to the XXXX XXXX XXXX  XXXX XXXX stated he was the Director of the company. However I was then told someone else was. So he lied in order to do a scare tactic. They are a collection debt Co that misrepresented themselves with a voicemail stating " there is a change to your status '' and then they will give you a reference number. I explained that the attorney I hired, made back door negotiations with the opposing counsel without my consent and was also told by the attorney " I did not owe any more funds and I was square '' with my bill. After he rec 'd {$5000.00} for the respondent, which was court ordered. So actually, the Co should be going after the Resondent, since the Judge ordered him to pay for my legal fees. When I tried to explain to XXXX XXXX, I had XXXX witnesses who wrote affidavits along with a recording of the conversation ( which I permitted, since it was in a public setting. ) XXXX XXXX got more hostel with me and started to harass me! I hung up on him when he got hostile with me. I've already been verbally and emotionally abused  for XXXX  years! I was not going to let this man I've never met verbally abuse  me over the phone. However I had to call back to ask for their address. The operator was nice at first, but unknowns to me, transferred me over to XXXX XXXX. As soon as he heard my voice he started yelling at me and saying " are we going to go through this again? Have your attorney call us! '' Then hung up on me .He states he's been doing this for XXXX  years. Basically stating to me, " I don't have a leg to stand on. " And stated " that even though I had affidavits, my affidavits were bupkes. '' A Yiddish word meaning " that they meant nothing '' This company is very rude, hostile, yell and harassed me. He then added, because our conversation was on a recorded line, that was all he needed. If he tries to cut my recording up to fit his narrative, that is against the law! 

They also give themselves good reviews. As the first time I went on to give a review their review score was a XXXX. However when I went to edit my review minutes later, it was at a XXXX.
Product: Student loan

EDFINANCIAL is XXXX After asking for a refund on the payments we made during the pandemic pause we are being told it will be ATLEAST 5 months till we receive our refund back. 5 months!!!! 

When we call back to confirm refunds have started to process they are not finding any records of us calling and requesting the refund that we sat on hold for for 3 hours to request. 

Edfinancial is LYING to borrowers
Product: Student loan

Im in forbearance on the SAVE plan and Im not supposed to be accruing interest and I am being charged interest.
Product: Debt collection

On XX/XX/XXXX, I spoke with a representative ( XXXX XXXX ) who assisted with a settlement agreement to pay off a credit card originally with XXXX XXXX Account ending in XXXX who then turned it over to XXXX. Because I was not aware of who XXXX was when they called, they never left voice messages, but would hang up. My account was then turned over to another debt collector/Rausch Sturm/Another debt collector, Account No. XXXX The total balance owed to XXXX XXXX was {$1800.00} and the settlement agreement with Rausch Sturm was {$1400.00} in 12 installments monthly of {$120.00}. 

As you will see from the bank statements provided, I have been faithful in paying monthly up until XX/XX/XXXX. When I  went online to make my payment, I noticed my balance had changed from {$480.00} to {$730.00} ( see copies attached ).  I contacted Rausch Sturm to find out why the balance was more than what I was showing last month XX/XX/XXXX when I made my payment. As stated by XXXX one of the Representatives. My account went in settlement default. I first asked why? And that I had not missed any payments. She could not tell me why. I then asked her if a letter had been sent out stating why? She said no, I requested a letter of all payments made, my agreement as well as the reason for settlement default. XXXX stated ; not sure we can do that. 

After making the request again and ending the call. I felt it necessary to contact Rausch Sturm again and spoke with XXXX XXXX ( debt collector ) and informed him that until I receive documentation in the mail due to my settlement being defaulted. All payments would be placed on hold. Mr. XXXX informed me that it was noted to provide me with the documents as well as review my settlement agreement to determine what could be done. 

I would like to also add that in the first 3 months of making my payments, I could never go on the website as it would not allow me access, so I had to contact a representative to make my payment of {$120.00}. After three months the service was up and working. Almost 3 months left to making my final payment, they decide to put my account in settlement default and request an additional {$240.00}. 

Im not sure exactly what their goal or plan was however, as a customer in good standing, I believe I am entitled to the documentation that I should have received when the agreement was first put in place. However, you will see that with every conversation, I noted the amount indicated to settle. I also believe that if I have been faithful with making my payments then why the settlement default. In XX/XX/XXXX, I was receiving calls from XXXX, however upon my returning there call they stated we can not speak with you as we do not have your loan. I then contacted Rausch Sturm and spoke with a representative ( debt collector ) who indicated they had not received a payment from me. I stated the payment was made on XX/XX/XXXX. The debt collector argued with me that she didnt know what the payment was going towards to that comment, I was puzzled. 

It has been very stressful and time consuming trying to settle this debt, it has been affecting my health and causing XXXX headaches.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and Experian has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX XXXX Balance Owed : {$6.00}
Product: Debt collection

I talked to the XXXX hospital of XXXX said I dont live in XXXX and asked them why I was getting a bill they told me to take it up with their payment place and when I called them they told me to talk to the hospital and then told me it was my bill and I should pay it. Every time I called all I got was a run around trying to accomplish anything to help settle it. I even told them my mom lives there and has all my cards and information and it was probably her debt being given to me. They said I that it couldnt be proven either way and I should just pay the bill. I had talked to a police XXXX in XXXX about my not having my as card it ids and birth certificate but they never filed anything then when I talked to a XXXX XXXX I told him about a bill that was smaller than the one now. Every time I was getting a bill the amount owed changed sometimes it was XXXX sometimes more or even less. I did a couple times even go online into their my chart to actually pay during the times I knew and paid amounts that were there as I had used the hospital and wanted after I moved to make sure there were no bills. In all that time my bill was not over XXXX. Only when I got the bills telling me it was being sent to collections was I told the amount was a few XXXX dollars. And that was when I tried to call them to make things right.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a fraudulent inquiry on my credit report, specifically the hard inquiries from XXXX dated XXXX, 2023. I did not authorize this inquiries and I am a victim of identity theft.XXXX  has complied and proceeded to remove the following inquiries from my credit report all while Equifax chooses to willingly participate in fraudulently activities.All of the exhibits needed are will be below. 

Despite previously disputing this inquiry, I have not received a satisfactory resolution. Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation into disputes. Your failure to do so constitutes a violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNITED RESOURCE SYSTEM has been reporting on my account since XX/XX/2015 in the amount of {$750.00}, and has added derogatory marks on my credit report per privacy guard. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anyone can send a bill and say that it is mine. According to the FCRA, United Resource System has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.
Product: Credit card or prepaid card

Credit card company capital one refuses to accept my dispute request and has denied it despite me providing all necessary documentation they asked for. The case is clear - I am owed {$100.00} from XXXX for a XXXX hotel room I booked that was not as advertised. XXXX refunded the money to XXXX. XXXX refuses to refund the money to me. I have provided proof of that as you can see in the attachment. Capital one demands a letter from XXXX saying they will refund the money, but that is not possible as that is what the dispute is about - XXXX refuses to refund me my money that has already been refunded to them by XXXX. See the attachment for full details.