23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I've called and was told that the debt was a different amount and asked that they provide the correct documents. Was put on hold and once I turned on my voice memos and was then hung up on. Called back and an XXXX XXXX male by the name of XXXX XXXX got on the line and I informed him that I would be recording this call for my protection as well and began to explain the reason of my call and was cut off my XXXX XXXX and he stated that this is XXXX XXXX and you filed a complaint with the CFPB. I said to XXXX XXXX to please not cut me off and let me explain the reason for my call and then he continued to cut me off and became very hostile and said that I can not record him. I explained to him that I'm recording for my own self as protection as well. I asked for all the documents that shows the amount that was owed, proof of debt, leasing agreement with my signature, bank statements that XXXX XXXX stated that he has. He would not stop talking as I continued to ask for these and stated that he was going to play back the call so he can prove of things that I said to prove that I was incorrect in what I was asking. I asked multiple times to play the recording and he continued to try and get me to become aggressive as he stated that he would disconnect the call. He also stated that he would contact my local police department for harassments as I stated that I would call back if his disconnected the as I looking for their burden of proof to provide accurate paperwork of the debt. I asked him to send this to my current email address and he stated that " oh now you are using different email. As if this is a crime and he began to become aggressive and I stated to him that he needs to watch his tone. Called back and was placed on hold and then XXXX XXXX and he then stated that he if he would've had more respect for me and handle the call differently because he comes from a family of vets. So he is also showing bias with the people he is trying to collect from. I was told that he was going to block my number and I would not be able to call and if this is the case, then this needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to 3 Credit Bureaus to remove an erroneous account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. 




XXXX & XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$310.00}
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$0.00} - Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$0.00}
Product: Checking or savings account

We have been banking for our business with Bank of America for over 8 years. Today, when I reached out to Bank of America, I found out that our account is forced closed on XXXX. I was advised by the bank associate to call the number on the back of the ATM/Debit card and get this corrected. Upon calling XXXX I was connected to XXXX in New Jersey ( location described by the representative ). After requesting for help, he spoke to his Supervisor and told us that since the account is closed we can not restore it. We tried to speak to the Supervisor but they hung up the phone. 

This is totally upsetting to us as we had this account for a very long time and due to recent lock-downs and travel limitations we are not able to get all the account holders in one place. Secondly, this is our main account for all our electronic deposits and payments as well. We have not received a single notice from Bank of America for such actions. We have been receiving all e-mails regarding our daily balances. At this point we are asking for your help to get this account restored. We can't afford to open a new account since we have to go through a lot of hassle to update our information with many vendors. It's only been 15 days, no notification of closing of our account. I don't see a reason for not being able to continue as it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

PURSUANT TO 15USC1681g, 15USC1681h, and 15USC1681i I the consumer should be able to obtain my consumer report in any method offered by the agency with ease. HOWEVER EXPERIAN AND XXXX IS NOT LETTING ME CHECK MY REPORT WITH EASE I CAN NOT GET ANNUAL REPORT OR CHECK CONSUMER REPORT. WHEN CHECKING IT ASK ME INFORMATION I ANSWER IT CORRECTLY THEN IT SAYS UNABLE TO GIVE ME MY REPORT IT ASK ME TO FILL OUT A MAIL FORM. ACCORDING TO THE LAW I MAY RECEIVE MY REPORT IN ANY METHOD I CHOOSE.
Product: Credit reporting or other personal consumer reports

**Consumer Financial Protection Bureau Complaint** **Complaint Against : ** - **Company : ** TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX - **Website : ** www.transunion.com **Complaint Summary : ** I am submitting this complaint against TransUnion LLC regarding multiple unauthorized reinsertions of inquiries on my credit report, which violates the Fair Credit Reporting Act ( FCRA ), specifically under **15 U.S.C. 1681i ( a ) ( 5 ) ( B ) **. Additionally, these inquiries were not made for **permissible purposes** as defined under **15 U.S.C. 1681b** of the FCRA .

**Details of the Complaint : ** 1. **Reinsertion of Previously Removed Inquiries** : I successfully disputed a series of unauthorized inquiries on my credit report, and TransUnion removed them. However, these inquiries were later reinserted into my credit report **without providing me with written notice within five business days**, as required by **15 U.S.C. 1681i ( a ) ( 5 ) ( B ) **.

2. **No Verification of Inquiries** : TransUnion failed to provide proof that these inquiries were verified with the creditor before reinserting them. The FCRA requires the credit reporting agency to confirm the accuracy of any reinserted information. I have not received any such documentation. 

3. **Permissible Purpose Violations ( 15 U.S.C. 1681b ) ** : The inquiries that were reinserted do not meet the criteria for **permissible purposes** under **15 U.S.C. 1681b**. These inquiries were not authorized by me, nor were they conducted for legitimate reasons such as reviewing my application for credit, insurance, or employment.

4. **Negative Impact on My Credit Score** : The unauthorized inquiries and their improper reinsertion have negatively impacted my credit score, and I believe this constitutes an unfair and deceptive practice in violation of the FCRA.

**Desired Resolution : ** I request that the CFPB : - Investigate TransUnion 's actions regarding the improper reinsertion of inquiries without proper notification or verification.

- Require TransUnion to remove all unauthorized inquiries from my credit report immediately.

- Provide me with proof that these inquiries were verified with the original creditors before being reinserted, including evidence of permissible purpose.

- Impose any necessary penalties on TransUnion for violating FCRA reinsertion laws and permissible purpose requirements.

I also request that TransUnion takes corrective action to ensure compliance with the FCRA in handling consumer disputes and reinsertions going forward.

**Documentation : ** - Attached is my correspondence with TransUnion , including dispute letters, removal confirmations, and credit report details showing the reinserted inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has ignored my requests to validate their account. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XXXX, and XX/XX/XXXX XXXX XXXX XXXX received a notices from me and they have not responded to any request. 

XXXX XXXX XXXX has failed to respond to several requests of validation. This account has updated each time to the 3 major credit bureaus. 

XXXX XXXX is also reporting multiple addresses to each credit bureau making communication even more difficult. This account has also charged-off two times ; with no current updates. 

XXXX XXXX is NOT a HOLDER IN DUE COURSE and this is why they have not responded. 

Neither Experian nor XXXX provided validation of ant sort. I will update reports also if need be to further prove that these companies are ignoring my letters This account was also sold to a third party debt collector.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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, credit repair services, or other personal consumer reports

XX/XX/2020 I discovered on my Experian credit report that a new negative account had surfaced. It was from XXXX XXXX XXXX XXXX for {$390.00} for a leased phone that Ive never owned. I explained that to the customer service rep and asked several question regarding the validity of the account. The representative repeated my social security number which was incorrect by a digit. After I pointed it out they referred me to Experian to dispute the account. After explaining the error on my report Experian assisted me in filing a dispute claim. Today I received my results of the investigation from Experian as Remains.  Im furious and I dont understand how a fraudulent account in my name with an obvious incorrect social security number can stick???? I feel helpless as theres no way to dispute a dispute. My only option is to make a complaint??? This account destroyed my already fragile credit score and its not even mine! Thanks a lot Experian for nothing & salute to  the crooks at XXXX XXXX XXXX.
Product: Credit reporting

I recently obtained a copy of my credit report. There was an unauthorized inquiry made by XXXX XXXX XXXX. On XXXX, I wrote to XXXX XXXX Services asking for proof of the inquiry. To date, XXXX, I have yet to receive a response from them validating said credit inquiry, which has made my FICO score drop!
Product: Credit card or prepaid card

I was late on a payment in XX/XX/XXXX on my American Express card. They raised the rate to a " Penalty APR '' of 29.99 %. It won't automatically decrease to the typical rate around 17 %. I was late again in XX/XX/XXXX and they are saying they won't even consider dropping the rate for another month - and only then I must show " stability ''.

I've been with them since XX/XX/XXXX. I'm struggling financially and last month was charged {$1100.00} in interest.

How is it possible a rate can be jacked up so high on a late payment.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have reported this Three times and nothing ever seam 's to get done. Litigation will follow. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within XXXX business days of receipt. Listed below the accounts to do not belong on my credit report. 
XXXX. XXXX XXXX XXXX  Wrong addresses reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

Account info Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XXXX  Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. 




Inaccurate reporting, should not be reporting according to 15 USC1681e ( b ).
Product: Credit reporting or other personal consumer reports

These inquiries are not associated with me, and I have no ties to the creditors listed.
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 to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX 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 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

Someone has been running inquiries or my credit I never gave these companies authorization or received any product or service from any of them listed on this report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been asking Experian to provide Proof of Validation for 3 accounts in collections on my credit report. I sent my initial validation request to them to in XX/XX/2019 certified mail and received a response back from them dated XX/XX/2019 that the 3 item on my collection report were validated (XXXX XXXX, XXXX XXXX XXXX XXXX XXXX). I then sent a 2nd request Proof of Validation Letter onXX/XX/2019 to Experian and received a response dated XX/XX/2019 the same exact letter from the XXXX response. I then on XX/XX/2019 sent Experian another certified letter of Proof of Validation and Pending Complaint Filing letter in which I received a response dated XX/XX/2019 again the same Oscar  letter they sent the two previous times. I then on XX/XX/2019, sent another certified letter to Experian requesting a Credit Bureau Verification Procedure Request and received a response dated XX/XX/2019 that they were valid.  I noticed that XXXX XXXX is not on the current report, but it does not show where it was deleted either.
Product: Debt collection

I've been receiving threatening messages and phone calls for the past 4 years. I've stated that I am XXXX and now affected by COVID-19 pandemic. I also was part of the 2017 Equifax Breach. Since then I have been affected the last 4years. I've spent money on several identity protection companies, apps etc
Product: Debt collection

This complaint serves as my final warning before I take drastic legal action against your bureau and all parties involved. Your continuous refusal to acknowledge my legitimate claims is not only negligent but also a blatant violation of my rights under the law. Let me be unequivocal : if you persist in denying my rightful dispute, I will not hesitate to pursue legal action against your bureau and any other entities involved in this gross negligence. I am prepared to take this matter to court and seek significant damages for the distress and harm caused by your willful noncompliance. Here are the accounts I needed to be removed : XXXX XXXX XXXX  XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX  XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX {$0.00} 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  Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MO XXXX Previous Address ( es XXXX : XXXX XXXX XXXX XXXX, MO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit card

I have had an account with Sears Card services for about 7 years. This past year, I discovered a fraudulent charge on my account. I reported it immediately and they promptly credited my account. Thereafter, it appeared to me that my account was credited beyond the amount I had disputed so I called to report it and they mentioned there was no issue. We had a sick pet which needed XXXX last fall and I used the card to pay for the fees. 
Having misplaced my card soon after or before the XXXX ( I can not remember ), they cancelled it and reissued a new one which apparently resulted in a myriad of charges related to the disputed charge in XXXX of 2016 either reappearing on my account or being credited to my account. There was so much back and forth with this XXXX charge that I honestly have no idea how much I should have owed based on the things I know I have used the card for that I feel like I have since overpaid the amount of initial credits to my account. I do not trust Sears at all. They performed an audit on the account a couple of months ago and swear it is resolved, but I am now also paying interest on the amount they had credited my account and since reversed the charges on. Those interest charges have been reversed one time when I called but appeared on my last statement. Overall, it is very shady and I wonder if this is a true error one off type of thing or if other consumers are experiencing the same issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ACCOUNTS. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled this account back on XX/XX/XXXX however, XXXX has failed to update my credit report after 2 months to show a {$0.00} balance is owed. 

I received a confirmation that my settlement was processed successfully by XXXX XXXX XXXX payment service. 

See below. 

From : XXXX Date : Mon, XX/XX/XXXX at XXXX AM Subject : Payment Confirmation To : XXXX Dear XXXX, XXXX, Thank you for using the XXXX  XXXX XXXX XXXX XXXX. This is to confirm your authorization, on XXXX XXXX at XXXX, for electronic debit from your funding account payable to XXXX XXXX XXXX. The following account ( XXXX ) will be paid, in the total amount of {$4900.00}. 

Account Number : XXXX Confirmation Number : XXXX Effective Date : XXXX XXXX Payment Amount : {$4900.00} The payment will be completed on effective date or shortly thereafter. 

Thank You, XXXX XXXX XXXX RIGHT TO REFUND " If you, the customer, are a resident of California, you are entitled to a refund of the money to be transmitted as the result of this agreement if XXXX XXXX XXXX XXXX does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. If you want a refund, you must mail or deliver your written request to XXXX XXXX XXXX* at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to {$1000.00} and attorney 's fees pursuant to Section 2102 of the California Financial Code. '' * XXXX XXXX XXXX XXXX is a third party vendor facilitating the money transfer on behalf of your service provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I know that this will surely affect my further credit deals, I want this to be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX has clearly violated my rights! 
15 USC 1692b Acquisition of location. 
Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) not state that such consumer owes any debt ; 15 USC 1692c ( a ) Communication in connection with debt collection Without prior consent 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 with the collection of any debt- 15 USC 1692d - Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( causing XXXX XXXX with the constant call and threats of litigation ) 15 USC 1681 Section 604a Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions ( EXPERIAN, EQUIFAX, and TRANSUNION was not given instructions from me, the consumer, to furnish my account ) 15 USC 1681 section 604 a. States i have the right to privacy. ( Something that has clearly been violated ) Your company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of the consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report?