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

One picture being worth a thousand words, here is a transcript of my monologue with TransUnion so far ( it is now XXXXXXXX XXXX, and this ordeal began before the chat, when I tried to perform the simple ( on the other Bureaus ' websites ) transaction of temporarily unfreezing my credit, so that I might obtain a mortgage prequalification from my credit union. They can't process two out of three -- it has to be all three. 

One moment while I transfer you to a live agent. 
XXXX XXXX  TransUnion Chat - XXXXXXXX XXXX Thank you for your patience. Due to higher than usual volume, your estimated wait time is 46 minutes. An agent will be available to assist you as soon as possible. Did you know you can get answers to most questions and complete requests such as Freeze & Unfreeze Credit, Dispute Credit Report and more by logging into our self service portal? Please click here for more information XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX This is and always has been by far the worst of the three credit bureaus! Just trying to temporaily unfreeze my credit is an ordeal. 
The website sends me to customer service. Customer service 's bot tells me to go to the website. 
Meanwhile, your horrible, tinny music is drowning out the news while I'm on terminal hold on the telephone, waiting for SOME KIND of PROMPT CUSTOMER SERVICE!! 
You - XXXXXXXX XXXX I know that's not the fault of whoever is answering this, but I hope your " management '' is seeing this, " for training purposes ''! THEY'RE THE ONES IN NEED OF TRAINING!! 
I LOGGED INTO YOUR " CUSTOMER SERVICE PORTAL '' -- that's what sent me to your EQUALLY USELESS telephone number. Why is a simple action that takes seconds on the other two bureau sites always torment, on yours?????? 
You - XXXXXXXX XXXX This is the message on the website XXXX XXXX XXXX XXXX XXXX, under the tab " Credit Freeze '' : ______________________ " Sorry, we're having trouble showing the status of your credit freeze right now You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. Our support hours are Monday - Friday XXXX XXXX. - XXXX XXXX and Saturday - Sunday XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. '' ______________________ Please note that there is no way to turn off their horrible, loud, tinny " music, '' which pauses intermittently only to tell me how " important '' my call is to them, and that there is still no response from " customer service '' ( chat ) on their website. 

This behavior is chronic, on TransUnion 's part, and needs to be addressed. Consumers have a right to prompt access to their credit accounts and reports, and this is a simple process that could be handled easily by the robots that substitute for competent human beings on their website. There is no excuse for a ( promised above ) " XXXX delay '' -- and this is NOT " customer service '' -- it's customer abuse.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I found a billing error. The late payment listed does not align with my usual payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX never late XXXX   XXXX XXXX XXXX {$230.00} not mine XXXX not mine XXXX not mine XXXX XXXX XXXX {$1900.00} not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

My loans were paid off completely by XXXX of XXXX. On XX/XX/XXXX I called XXXX inquiring about my qualifications for receiving the student loan reimbursement that I understood I could qualify to receive after the Biden-Harris administration announced the Loan Forgiveness. I had completely paid off my loans during COVID-19 pandemic and for this reason, and given that I received a Pell Grant in the past, the person I spoke to on the phone stated that when verified, the aforementioned would qualify me for this refund. The person never counseled me on the fact that to receive this refund, that would mean completely reopening 19 loan accounts in my name and report them to the credit bureau. She only very casually mentioned that I could see a balance in my account but to not be worried about it because this was part of the refund. 
Months later I get a random deposit of XXXX from the Department of Education and when I call them, I find out I owe XXXX on my student loans and that money is for me to pay it back. This is completely nonsensical as I did not owe a single cent. I have been blindsided and now my credit reports shows a sudden opening of loan accounts and my car insurance has raised my car insurance because of this. I will take the necessary action to get the accountability from XXXX as it is my consumer right to be informed of something that will be opened in my name and reported to a credit bureau Pertinent Dates : XXXX XXXXALL student loans fully paid off XXXX-Spoke to XXXX rep regarding student loan refund XX/XX/XXXX -- > Received XXXX from Department of Education without any written notice explaining what money was for a XX/XX/XXXX -- > Spoke to XXXX rep who disclosed they had in fact reopened my loan accounts. Realized at that point that I was misinformed by them and that they had without my consent reopened my loans XX/XX/XXXX -- > XXXX XXXX sends me a letter letting me know I no longer qualify for my previous rate based on Credit Reports XX/XX/XXXX -- > Sent LexisNexis Consumer a request to see what they had reported to XXXX XXXX that affected my Car Insurance XX/XX/XXXX -- > realized there are 19 new loan accounts opened in my name by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights and privacy and confidentiality under 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 XXXXXXXX XXXX 

15 U.S.C. 1681s- ( A ) ( XXXX ) 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, credit repair services, or other personal consumer reports

Credit Management Co. is a collections agency who handles a medical debt of mine that is currently in collections status. This agency has bad practices and is continuously reporting this debt/collection as a new account every month, even though they have been in possession of the account for years. This re-aging and re-reporting the old debt as a new collections, is leading to a new negative item showing up on my credit report every month with this agency. Not only is this unfair to me as an individual working hard to repair my credit and climb out of debt, it is unethical because the information is simply not true. 

As of XX/XX/2023, Credit Management Co. has reported my medical debt as new to the credit reporting agencies and shows an account age as 1 month. Again, this is untrue since they have possessed the account for years. My medical debt amount is {$1500.00} which is correct. Ive contacted the agency to no avail, as the representative tell me that all information reported is accurate although this is untrue. 

I am asking for an investigation and any penalization and disciplinary action to be taken against this agency, to ensure that others arent made to encounter what I am dealing with.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my last resort, I have been going back and forth with creditors and bureaus. Still the same results, I have send in updated police reports and FTC report, with all my updated IDs still same results verify please help they are stopping me from living my life with my XXXX kids and husband. Not able to purchase first home because they are giving me so many problems. Negative accounts are only on XXXX and XXXX they were all deleted from XXXX in 2016 when my identity was stolen. Creditors has received reports and all I dont know what yo do at this point.
Product: Checking or savings account

It seems that this bank BBVA is here in this world to cause troubles to customers and simply will be known in history as world 's most corrupt and customer unfriendly bank. 
Please refer to the prior complaint # XXXX. It was not resolved - external payment is still not resumed for me. 
During this testing times ( COVID-19 pandemic ) -they are causing all sort of troubles to me. 
They want me to go to some ATM or visit their branch to do any transactions. 
Every Savings bank allows up to 6 transactions per statement cycle or month. 
On XXXX XXXX BBVA charged me {$3.00} for doing 5 transactions in a quarter. When i contacted them to fix it - they are telling me some terms and conditions written in fine terms on their website : https : //www.bbvausa.com/disclosure/online-savings.html BBVA is such a shameless and useless bank that i can not express in words
Product: Debt collection

My lease with XXXX XXXX XXXX XXXX was up on XX/XX/XXXX. The current company that has taken over the complex stated in the debt collection summary that they are charging me for insufficient notice in the amount of {$1800.00}, I gave notice three months ahead of time stating that I was not renewing my lease, it was given to the previous residential property in which I have proof of. Also I am being charged for the month of XXXX ( XX/XX/XXXX-XX/XX/XXXX ) water sewer ( {$55.00} ), month to month ( {$70.00} ), residential rent ( {$320.00} ), two trash charges ( {$7.00}, {$8.00} ), exterminating on XX/XX/XXXX ( {$5.00} ) and XX/XX/XXXX ( {$6.00} ) and another charge for water sewer ( {$68.00} ). I have proof I left on XX/XX/XXXX to stay at a hotel, I also have a letter notarized by my best friend mother who I stayed with until I moved into my current townhome on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations XXXX XXXX {$810.00} XXXX   {$20000.00} WF/Dillard {$1700.00} XXXX XXXX 's {$270.00} XXXX {$1300.00} XXXX XXXX   {$520.00} XXXX {$840.00} XXXX consumer finance division has agreed to a {$550.00} million deal to settle allegations that it placed consumers into loan arrangements with a high risk of default. 
XXXX XXXX XXXX XXXX settled with 33 states and the XXXX XXXX XXXX It agreed to pay {$65.00} million to customers affected by the practices, as well as waiving {$470.00} million worth of outstanding loan payments. It also agreed to pay {$7.00} million to states to cover restitution claims. 
Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the XXXXair Credit Billing Act ( FCBA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXXE data breach and may have gotten into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

jp morgan chase and its affilates continue to use my report fraudulently and illegally jp morgan chase is illegally sharing my data with its affiliates despite my will and in violation of the law. 
i have no contract with these companies and have not given them permissible purpose to use my name reports or likeness. this is in violation of several laws and my rights. including but not limited to Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq.

Specifically, Section 604 of the FCRA requires that a consumer must provide written consent before a company can obtain their credit report. 
Section 607 also prohibits credit reporting agencies from disclosing a consumer 's credit report without a permissible purpose, such as employment or credit applications. 
Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6801 et seq. 

Specifically, the GLBA requires financial institutions to protect the privacy of consumers ' personal financial information, including credit reports. 
Electronic Communications Privacy Act ( ECPA ) - 18 U.S.C. 2510 et seq. 

Specifically, the ECPA prohibits the interception of electronic communications, such as email or text messages, without the consent of the parties involved. 

Minnesota Government Data Practices Act ( MGDPA )- Minn. Stat. 13.01 et seq. 

The MGDPA regulates how state and local government agencies collect, use, and share personal information, including credit reports. 
Minnesota Consumer Credit Reporting Act ( MCCRA )- Minn. Stat. 13C.01 et seq.

The MCCRA requires that a consumer must provide written consent before a company can obtain their credit report.

Minnesota Personal Information Privacy Act ( MPIPA ) - Minn. Stat. 325E.61 et seq.

The MPIPA requires businesses to provide notice to consumers about the collection, use, and sharing of their personal information, including credit reports. 

it is illegal for XXXX  XXXX and XXXX to continue to share this information without my consent and especially as i have made it known this data is fraudlent.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account XXXX 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  DBA XXXX XXXX XXXX was when the bill was paid, that they would remove it off my credit report. Disputed this with XXXX, and they said it would be removed. 
XXXX XXXX has also been disputed through XXXX. That charge was originally from 2010, when the woman processed the applications for that apartment complex, and she didnt ask for payment up front. She instead billed me after the fact. 
I am disputing both negative accounts on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  Acct # XXXX should no longer report on my file. All of my previous reports showed that this item would be removed from my credit report by XX/XX/2018. 

My current online reports now shows that they have removed that date and thus have re-aged this item. 

This reaging is a violation of the FCRA. 

Enclosed is print screen copy of my report from XX/XX/2018 showing the " On record until date of XX/XX/2018 ''. Also enclosed is a print screen copy of my current report no longer showing a remove by date.
Product: Mortgage

XXXX XXXX XXXX  refused to post my payments to the correct payment periods. They maliciously posted my payments to the whatever months they wanted without notifying me as to what they were doing. By doing this, it caused a snowball effect on my account from XXXX - XX/XX/year>, late every month. Had they given me access to my portal or sent me a letter to allow me to fix this matter, which they did not and allowed it to escalate month after month, and then reported my payments late every month so they could collect late fees and ding my credit. 

XXXX. I was Mislead me as a consumer and disallowed access to view my account online. Maliciously preventing me from knowing how much I paid into my account for the purpose of preventing me from questioning their practice. I have not had access to my account since my previous lender sold my account to my new lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please fix the account : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I sent Citi bank a letter informing them that the information being reported to XXXX  XXXX  and XXXX  was inconsistent so I dont know who is reported accurately. I asked citi bank 3 times to provide me with the accurate information about the listing. I asked them to send me validation for the account and the only thing they have sent me was the status of the account saying when the last payment was made and how much it was, thats not what I was asking and they have send the same letter 3 times. I sent 2 more letters to them that they have not responded to but I have a return receipt from them and they have refused to fix the problem. I want this account removed from my credit reports immediately
Product: Debt collection

TRS Recovery Service sent me a letter asserting they were collecting on a debt which they assert is mine, regarding a stopped payment at a Wal-mart I have never been to.

TRS has a track record of falsely associating 3rd party debts with victims of their deceptive business practices and intentionally making dispute/validation process difficult/impossible, while making payment easy, in order to convince victims of their practices to just pay and move on instead of invalidating.

I phoned the organization when I received the debt collection notice and requested supervisors, and requested to be transferred to their compliance department, which they stated they would not do for me ( because of internal policy they were unwilling to transfer me to their compliance department ). In both cases I stated I was pursuing invalidation of the debt and was not satisfied without being transferred to the compliance department, and that I did not intend to terminate the call until they transferred me, but in both cases they ultimately terminated the call against my wishes while I was pursuing validation of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : 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 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 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 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
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00}.
Product: Money transfer, virtual currency, or money service

Okay I had open an account and deposited a money order and never pulled funds but the sent a copy like months later and close account with no reason why
Product: Credit reporting or other personal consumer reports

Experience has fail to follow legal obligation With fair credit reporting act. ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate and unverified accounts unresolved Cfpb has recently filed lawsuit against experian for not updating or investigating correctly