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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate amendment of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XXXX/XXXX/2015 we disputed an unauthorized set of transactions on a joint account held at BECU ( credit union becu.org ). This was done via my wife 's debit card so the dispute was done under her name but it 's a joint account in XXXX of our names. On XXXX/XXXX/2015 BECU notified us they were crediting the account and would notify us in writing if anything further was needed. 

When examining my XXXX 2015 statement ( approx XXXX/XXXX/2015 ) I discovered the credit ( XXXX $ ) had been reversed. I then went into BECU on XXXX/XXXX/2015 to inquire and was told they had mailed us a letter in XX/XX/XXXX we 'd not responded to so they reversed it and it was closed. They then claimed there was nothing further to be done. We never received a letter and BECU can provide no proof that we received this letter either. A new copy was provided to us on XXXX/XXXX/2015 showing it dated XXXX/XXXX/2015 and claiming we had until XXXX/XXXX/2015 to respond. 

This was unacceptable to me as we never received this letter they claim to have sent and once I did discover the reversed charge went back to inquire within a reasonable timeframe. Statements close on XX/XX/XXXX so on XXXX/XXXX/2015 when I went into the branch to question this it was still within XXXX days of my notice of this charge. BECU easily could have prevented this issue by ensuring this written communication which has a very short time frame ( less than XXXX weeks to respond ) was handled via a tracked mechanism. i.e. certified mail, XXXX, etc. There 's been no proof offered this letter ever was sent to us at all beyond their claim of it having been sent. We did file the required paperwork with them immediately disputing the charge ( i.e. within the required XXXX days ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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: Payday loan, title loan, or personal loan

I believe this company to be shandy and as scam. They have said that I 'm both approved and not approved at the same time. They have a lot of back noise going on when they 're on he phone and it sounds like they 're using machines to change their voices.
Product: Debt collection

Debt Co LLC is attempting to collect a debt that I do not owe them. I will not acknowledge any collection and will only deal with the original creditor. Any debt owed was paid to the original creditor. ( XXXX XXXX  )
Product: Credit reporting

This account was original being reported on my credit report as " Unknown - No information available '' and did not have a phone number or address for me to contact. I disputed with the credit agencies and they responded with a status of " Verified '' and more information regarding the address and number of the creditor. I have called the creditor since then XXXX times to verify that they debt was mine and any info they could provide regarding the debt, as I have never heard of this debt either in the form of a letter or orally. All XXXX agents at the XXXX verified that no debt in that amount or under my name existed. However they were unable to assist me in getting a letter to the credit agencies saying that no debt was listed under my name for that amount and that I should dispute the account on my report. So I again disputed the account and it came back verified.
Product: Debt collection

This is regarding case XXXX XXXX Collections. I have proof attached that I have a current balance of {$0.00}. I spoke to XXXX with XXXX XXXX XXXXXXXX XXXX regarding this matter. She provided me with the paperwork showing the bill that was sent to collections. This paperwork proves this amount was discharged in bankruptcy. I have a XXXX balance on my account. Please have this collection removed from my credit report. If you would like to speak to XXXX in the billing department for the XXXX XXXX  XXXX XXXX her number is XXXX. This was not a loan. GLA is wrong. I never took a loan out as an employee or any other time. Please provide me with proof of a loan. My proof is attached.
Product: Student loan

My student loans are with Navient Solutions , LLC . This company has forced me into forbearance in that the would not lower my monthly payments to a payment that I would fit me. On XX/XX/2019, the company approved a forbearance only because they denied me a deferment. The reason the company said they denied deferment was because " Your income is greater than the poverty level guideline for your state and family size. '' I would have never asked for a deferment or a forbearance if the monthly payments were at a payment that I could handle. In XXXX of XXXX, I emailed the company and told them that the monthly payments were too high, even after I applied for income base repayment. The company refused to deny payments in my best interest. Therefore, it pushed me to either defer my payments or apply for forbearance. 

I also had a loan with a school that was a for-profit school, XXXX   XXXX. This school is no longer open and credits were not transferable to any college. The college was not accredited.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 at approximately XXXX, I visited the XXXX website and chatted with a rep ( XXXX XXXX. ) in regard to a debt that was on my credit report in the amount of {$570.00}. I asked XXXX if XXXX could remove the entry from my credit report upon me paying the amount owed. She stated that it would be removed and offered to process the payment for me but I elected to pay in the store rather than online. Once in the store, the manager was unable to pull up my account and gave me a number to call to make the payment. That number routed me to a rep by the name of XXXX whom I spoke to around XXXX that same day. I double checked with him about the entry being removed from my credit report, he advised that, " the payment will update in 3-5 working days, and be completely removed from your credit. '' That sounded great to me so I made the payment. XXXX clearly still owned the debt or else they wouldn't be able to accept payment for it, the collection agency was merely a contractor. Today, XX/XX/18, I received a notification that the balance on that collection had been updated to {$0.00}. Ok, so the payment had been processed and an update has been made. But it wasn't the update that was promised. I contacted the collection agency named Source Receivables Management. I spoke with a woman named XXXX and explained to her that XXXX had agreed to remove the collection from my credit report. She explained that Source Receivables Management would not be removing the entry and that I would need to speak to XXXX. I then called XXXX again and the rep I spoke with explained that there was nothing he could do, I should call the collection agency.
Product: Debt collection

Hello! 

RSI Enterprises is threatening to claim debt collection to a citation issued by XXXX ( XXXX XXXX XXXX XXXX XXXX ) for a supposed photo " stop sign violation '' and a {$100.00} fine ( now {$130.00} after collection fees ) from 2015. I finally received a collections letter dated this month. There is no available proof online that this even occurred, no video of the supposed violation nor of the driver to prove that I was driving. 

Firstly, I never agreed to pay this debt, therefore this is considered invalid right off the bat. There is not a posted sign at the entrance to this private property park and therefore does not constitute a Legal Contract. Secondly, the laws clearly state that a " promise to pay '' MUST exist before anyone can post to a credit report ... deeming this a false claim on collections. 

It is illegal for out of state companies to claim collections on private property that are n't legally enforced. When driving on public roads and am cited for a violation, by LAW, the officer must have the suspect sign that claims they will be responsible for any/all debts or fees that are incurred by said violation. 

Many others have also had this happen to them ; some fight it in court, some just ignore the claims by RSI Inc.. It seems that ignoring the collection letters is completely valid due to their acting on illegal collections and because there are no DMV restrictions or appearance on credit reports ... just proving even further that this a scam run by XXXX. 

Thanks for submitting this company and hopefully we can fight to take them down with everyone else that has had these illegal debt collections sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed fraudulent information. It has not been removed and the consumer reporting agency is in direct violation of FCRA 605 CRA 605B ( 15 U.S.C. 1681c-2 ) ( 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.

The block must be no later than 4 business days The information is fraudulent. 
The block wasnt made in error and I never received goods or services. Its identity theft. Plain and simple. These was someone using my identity therefore its fraudulent and must be removed or the next step will be to sue the consumer reporting agency who is violation the FCRA. 

The other major consumer reporting agency immediately removed and blocked the fraudulent accounts when proper documentation was received which is what equifax received. Maybe they arent familiar with 605 or dont care about it but they are violating it nonetheless
Product: Debt collection

This matter is regarding US residential management company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX they used to manage Park on XXXX XXXX, TX XXXX. 

When I moved out they said I owed for a washer and dryer, I had them move out their washer n dryer because I had my own. 
For one they had never contacted me until like a year later about ANY damages I provided them with a move out contact number and address. Only heard about it when had actually went to collections and than they would not provide with sufficient documentation said charges besides a sheet of paper that said " cleaning '' and " damages '' with no description. I finally get the ledger and there's a XXXX dollar charge for a washer and dryer. I had my own I have receipts for that washer and dryer too that I can provide but they should have a work order stating that I wanted them to move out the washer and dryer.
Product: Credit card

Capital One Bank USA NA is reporting on all XXXX credit bureaus under my name. I am XXXX XXXX and I live at XXXX XXXX XXXX XXXX XXXX, XXXXXXXX. I previously resided at XXXX XXXX XXXX, XXXX, XXXX XXXX. The person who opened up this account in my name, using my SSN has been identified by the XXXX XXXX and XXXX XXXX XXXX XXXX has XXXX XXXX XXXX of XXXXXXXX. I have informed this credit card company that I 'm a victim of identity theft and that this account was opened fraudulently in my name. They have in turn sent me a letter stating that I did in fact submit an unsolicited on-line application for this credit card on XXXX XXXX, 2016 and that I live at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX The letter says that I submitted this application using my name, DOB, and SSN but at this XXXX, XXXX address. I have never lived in XXXX, XXXX, and have never stepped foot in the state of XXXX XXXX XXXX XXXX lives at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX and has previous applied for and obtained a XXXX XXXX of XXXX and a XXXX XXXX in my name using this address. I have since gotten the XXXX XXXX and XXXX XXXX removed from my credit report as fraudulent accounts. However Capitol One Bank refuses to remove this fraudulent account from my credit report. It is ruining my credit and I have no way of getting the person who has stolen my identity to stop using it.
Product: Checking or savings account

The company wrongfully closed my account due to the security officer feeling offended by my comment on our recorded call. I do not owe them and was never l in the negative at anytime. I deposited money orders that were good to be cashed into my account. I have the recorded phone call, and money orders that were later cashed after they were sent again by mail, as XXXX never returned them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX # XXXX, US Department of Ed # XXXX, has violated my rights 15 U.S.C 1681 sec 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: Money transfer, virtual currency, or money service

There is a lady and her mother plus my assigned fake grandma and they all three took advantage of me. One of them has tooken so much money from the emerald card thing and I don't think its fair I'm homeless and broke. I am always borrowing money for soda and bumming cigarettes and I just colombined and so I'm XXXX weeks old, so they should all deffinatly stop now. I know what I was forgotten about and I'd like nothing to do with those three dependants please. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Plus the hookup with method she gets, ud like it for myself instead. Thanks, they're not related to me at all.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent inquiries that have appeared on my TransUnion credit report. As an XXXX and XXXX individual, I have encountered six unauthorized credit inquiries on my report, which I did not initiate or authorize. I have already filed a report with the Federal Trade Commission ( FTC ) regarding this issue, but I require further assistance in resolving this matter. 

Description of the Issue : Upon reviewing my TransUnion credit report, I discovered the following six unauthorized inquiries that were made without my consent : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries have negatively impacted my credit score and my overall financial standing. As someone who depends on good credit for financial stability, this situation has caused me significant distress. 

In response to these fraudulent inquiries, I promptly filed a report with the FTC ( Report Number : XXXX ), and I contacted TransUnion to dispute the inquiries. However, despite these efforts, TransUnion has not resolved the issue. The fraudulent inquiries remain on my credit report, and my attempts to have them removed have been unsuccessful. 

Consumer Rights Violated : I believe that TransUnion has violated my rights under the Fair Credit Reporting Act ( FCRA ), including : 1. Right to Accurate Credit Reporting : The FCRA guarantees my right to an accurate credit report. The presence of unauthorized and fraudulent inquiries constitutes a violation of this right. 
2. Right to Dispute Information : The FCRA allows me to dispute inaccurate or unauthorized information on my credit report. TransUnions failure to address and rectify these disputes violates this right. 
3. Failure to Investigate : TransUnion is obligated under the FCRA to conduct a reasonable investigation when a consumer disputes information on their credit report. I believe TransUnion has not fulfilled this obligation, as the fraudulent inquiries remain unaddressed. 

Important Note : While I am seeking the removal of these unauthorized inquiries, I do not want a fraud alert placed on my credit report. A fraud alert is not necessary in my case and could complicate my access to credit. I am specifically requesting that the removal of these inquiries be handled without placing a fraud alert on my credit report. 

Impact : These fraudulent inquiries have resulted in a lower credit score, which could potentially lead to higher interest rates, denial of credit, and other financial challenges. As an XXXX and XXXX individual living on a fixed income, this has caused me undue stress and poses a risk to my financial well-being.
Product: Money transfer, virtual currency, or money service

{$1200.00} on XX/XX/year> from XXXX. I was charged the wrong amount and never review my claim. 

{$1100.00} on XXXX XXXX from XXXX. I was charged the wrong amount and never reviewed my claim.
Product: Mortgage

My lender has placed lender placed flood insurance on my unit even though the flood insurance is not required. My insurance officer has submitted the requested forms twice now and still they have placed the insurance on my account. XXXX times there forms were submitted were within the window the lender had given to submit these documents. 
My fear is that they will play a game with my mortgage and will try to access extra fees and place my mortgage in jeopardy and therefore my credit.
Product: Credit reporting or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number:XXXX XXXX Balance : {$710.00} Account Name : XXXX  XXXX : Account Number : XXXX : Balance : {$310.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$160.00} Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX : Account Number : XXXX : XXXX : {$780.00} Account Name : XXXX  XXXX : Account XXXX : Balance : {$470.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$0.00} Account Name : XXXX FIN : Account Number : XXXX : Balance : {$430.00} Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX : Balance : {$780.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$3100.00} Account Name : XXXX XXXX XXXX  : Account Number : XXXX : Balance : {$1300.00} Account Name : XXXX XXXX XXXX  : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$1700.00} Account Name XXXX XXXX XXXX  : Account Number XXXX XXXX ****** : Balance : {$4600.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$600.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishings, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where experian has neither corrected nor removed dispute items despite the evidence i provided, causing ongoing harm to my credit standing.
Product: Debt collection

I filed for bankruptcy and it was discharged XX/XX/XXXX. I have received at least two notifications from XXXX XXXX XXXX XXXX the letters include documentation from the original creditor Bank of America. The most recent notice from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I decide to look into why they were sending me this notices. I meet with a bankruptcy attorney and provided him with all of the documentation that was sent from XXXX XXXX XXXX XXXX. The attorney informed me that this is fraudulent because both creditor are documented in my bankruptcy and the date of by bankruptcy is not documented on the letters. He also inform to review any Liens or Claims on my property with the XXXX County Recorder of Deeds. After visiting the XXXX County Recorder of Deeds I discovered there were know additional liens or claims on my property other than my current mortgage company.
Product: Credit card

I was charged interest for the month of XXXX XXXX and XXXX. My account statements included the wrong balance of what I was being charged interest for. The amounts are not slightly off but they are totally wrong. For one of my portion in my statement it says that I a XXXX dollar balance transfer when my balance transfer was actually XXXX. My purchase amount for that portion of my system is wrong also, my purchases was XXXX dollars but it says I purchased for XXXX dollars and I was charged interest of that. Bank of America interest System has an issue that really needs to be resolved. It done this one time to me but I called and it was resolved. Now its been 3 times in a row.