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

I have sent out a letter to Transunion about two ( 2 ) accounts on my credit report XXXX XXXX   and XXXX  XXXX XXXX. I have asked TransUnion As per Section 609 of the FCRA that I am entitled to see the source of the information, which is, a copy of the original contract that contains my signature for those 2 accounts ( XXXX XXXX and XXXX  XXXX XXXX ). I have sent out that letter on XXXX XXXX via USPS certified mail with return receipt requested. Transunion signed the receipt on XX/XX/2020. Today 's date is XXXX XXXX more than 2 months after I have sent out that letter and Transunion signed for it. I have never received the contract that contain my signature which I repeat is my right under the section 609 of the FCRA and Transunion keeps reporting those accounts ( XXXX XXXX  and XXXX XXXX XXXX ) to my credit report. I would like to notify you that the accounts have been removed on my XXXX  and XXXX  credit report. Why can't Transunion do the same? Does XXXX  XXXX XXXX pay you to keep information on people report? Is it more about a business than reporting correct information? I want a copy of the original contract that contain my signature or remove immediately those accounts from my credit report. I have attached to this statement the USPS return receipt and the copy of the original letter that I have sent to TransUnion. Please CFPB help me fix this issue. Transunion is getting money from big companies such as XXXX  XXXX XXXX to keep information of people credit report no matter what and that is a shame!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act - XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : 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 Consent
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was in the process of acquiring my three annual free credit reports, I received two without issue, however, " Transunion '' is unable to provide me with a report and contact with Transunion is extremely difficult unless you're purchasing a product. During the process of verifying my information, I was being asked questions that were not pertinent to me, for example, one question indicated someone who has a mortgage or lives with me in XXXX, TX and indicates my wife 's name, I divorced her in XXXX and I sold that house somewhere around XXXX or XXXX, I checked " none of the above '', this they were asked about phone numbers and zip codes that I've never had. Every time I would get a message stating they are unable to verify who I am. I've had issues with Transunion in the past and filed a complaint, they are the most deceptive when ordering products and now the information the are requesting is not even remotely pertinent to my circumstances, this issue is of concern, if they cant get this right what else incorrect? All I want is my free credit report as dictated by law, I have the ability to verify my identity when asked questions currently or otherwise in the couple of years associated with my circumstances, furthermore, when selecting the link from the email sent to me, all it say is site not available, calling them is futile and getting through is difficult unless your purchasing a product.
Product: Debt collection

Southwest Credit Collections XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Toll Free : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This company contacted me through mail on behalf of XXXX XXXX XXXX and stated that I owed total amount due XXXX. 

I sent Southwest Credit a dispute letter on XX/XX/2019 to have this item removed from their data base and deleted as it relates to me, as I did not assertain this account or benefit from this account.
Product: Credit reporting or other personal consumer reports

Please apply these laws to the following account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Product: Debt collection

They are trying to reach XXXX XXXX, someone I do not know and have never known. He would not have had this phone number for over 10 years ( because I have had it exclusively all that time ). I tell them all of this every time and they say they will remove me. Then they start calling from a new outgoing number and pretend I've never told them that and they've never talked to me before. But it's always XXXX looking for XXXX XXXX. I tell them I'm on the Do Not Call registry and they ignore it. I think because they are probably debt collectors ( but they won't verify that with me because again I'm not XXXX XXXX and don't know him ). They won't tell me where they're getting my number from/why they have it erroneously connected to him. They're rude and confrontational. They lie.
Product: Payday loan, title loan, or personal loan

I contacted CashNet USA to request a 60-day Grace Period Deferment on XX/XX/XXXX. Was notified that I should respond to an email regarding the proper procedures and to have all requirements documents submitted by XX/XX/XXXX. I faxed in my signed agreement and forwarded an email ( 4 separate times on XX/XX/XXXX and 2 more time on XX/XX/XXXX ) from the credit reporting agency to CashNet USA onXX/XX/XXXX. Despite having submitted my forms by their due date, CashNet submitted my loan repayment in XX/XX/XXXX causing my checking account to reflect a negative balance, including overdraft fees. I contacted CashNet on XX/XX/XXXX and was given various reasons as to why the repayment was submitted then was told I will be contacted within 24 hours after reviewing the recorded conversation with the representative from XX/XX/XXXX. No one reached out to me in any way. I called CashNet again on XX/XX/XXXX to follow up with them. After being placed on hold several times, I was informed that the repayment was already submitted to my bank and there was nothing they could do. This was after they found that my deferment should have been granted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

15 U.S. Code $ 1681c-2 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, 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 items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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
Product: Checking or savings account

On or about XX/XX/XXXX I received a message from Robinhood that my account was restricted. I explained to Robinhood that my husband initially accidentally uploaded his ID to the app by mistake. I was asked to upload a photo ID and a selfie which I have done XXXX times. I have also had at least XXXX phone calls but the customer service tells me they are unable to resolve the issue and have no more information. 

Robinhood is placing me under duress as they are not allowing me to withdraw my funds. and have since uploaded my ID numerous times. 

They are unable to provide me with a timeline nor have they resolved the issue. They will not allow me to withdraw my funds. 
I feel like they are stealing my life savings. 
The worst part is that they are not able to provide me with a remedy to fix the problem. Please help me to get my funds back. 
My account balance is $ XXXX have attached my most recent Robinhood statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/XXXX ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see below INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized EQUIFAX MORTGAGE XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax continues to allow XXXX XXXX XXXX to report incorrect information to my consumer file. This entire balance on this account was paid off on the XXXX XXXX of 2020. Recently XXXX had a collection agency attempt to collect payment from me. The collection agency, XXXX XXXX has now closed the file in their office and returned it to XXXX Because the account was paid off. XXXX XXXX did the right thing. Equifax has an obligation to ensure that only accurate information is being reported. 

XXXX is reporting a small loan tradeline that I never applied for to my consumer credit file. I never authorized an account, especially a small loan with XXXX nor was I aware that an account was ever opened in my name. XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any account with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA. 

Recently in doing some research on the student loans in my name that are being serviced by Fed Loan Servicing. I learned that the loans are for a school by the name of XXXXXXXX XXXX XXXXXXXX. I never signed an enrollment agreement with XXXXXXXX XXXX XXXXXXXX nor did I ever sign or agree to become a former student of XXXX XXXX. This seems like fraud to me. I do not wish to be associated with XXXX XXXX and I never agreed to it. I do not understand how this is possible and how this legally has taken place. I do not understand why there are student loans listed under XXXX XXXX in my name. I never agreed to this. I am requesting XXXX XXXX XXXXXXXX to provide information stating that I agreed to be associated as a former or current student with this school. Before today I had no knowledge of any of this. I am requesting documentation with signatures that Fed Loan Servicing has the right to pursue loan payment from me for the school XXXX XXXX XXXXXXXX. I do not wish to be affiliated with XXXXXXXX XXXX XXXXXXXX. I never agreed to any enrollment or loans with XXXX XXXX. Therefore Fed Loan Servicing must substantiate seeking loans associated with XXXX from me.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed there were several accounts listed that do not belong to me. I've never heard of these companies reporting on my report nor have I given them my personal information. Here are the accounts listed below : XXXX XXXX XXXXXXXX Bal- {$0.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} Opened : XX/XX/XXXX XXXX XXXX of XXXX XXXX {$1300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX of XXXX Bal- {$2400.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$7700.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Bal- {$2700.00} Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Bal- {$1300.00} Opened XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Bal- {$720.00} Opened : XX/XX/XXXX
Product: Debt collection

In 2019, I pulled up my own credit report to view my information. I had found a collection account by name of : Paramount Recovery, reported for medical debt that I was unaware about. I contacted the the company with the information from XXXX XXXX website that stated Paramounts name and phone number. They clarified the debt was a medical debt, I then asked I had never received a noticed, did not know I even owed this debt. The debt was due to a motor vehicle accident and the insurance had paid all other bills on my behalf, and all of the bills on time. If I was aware of this debt, I would of had the insurance pay it in a timely matter. The collection agency covered for a company that had a change in ownership, which caused them to never send me a notice of any bills, or even any attempts to collect the debt. 
No phone calls, or voicemails were left in that matter as well. I had to make multiple attempts to contact the debt collection company, and speak to multiple different people at their company in order to request an invoice. I had to collect an invoice independently, as they requested it from their client but stated it would take weeks to receive. I contacted XXXX which is the company that originally holding the debt, they then were supposed to send the invoice for the physician bill, but the company XXXX then sold to envision services. 
The insurance company has now paid the debt owed - I had confirmed the check XX/XX/2019, from XXXX with check #, picture of check, and date check was cashed, to the collection company, but it is still being reported on my credit report as closed, but it is still affecting my credit score, as it is not removed.
Product: Credit reporting

On my credit report the creditors that are reporting late payments have been submitted under the freedom debt relief program. The companies are continuing to report negatively when they know they have been contacted by this company for a debt settlement. If you would look at my credit report before the program which I started in XX/XX/XXXX, my credit for paying bills on time was 99 %. The creditors have also been contacted not to call me and but they continue to do so anyway. So my problem is very difficult for me when I have always paid on time but to see my credit score drop drastically as like it has is devestating. It 's an unfair practice for creditors to continue negative reporting when they know the circumstances of the consumer. It 's like they are trying their best to sabotage a consumer 's credit history. It should be something done so that they would not to continue to report negative reports when they know the consumer has contacted them concerning debt relief.
Product: Credit reporting

I have repeatedly asked XXXX Experian and XXXX to investigate my discharged account with XXXX Bank and update its reporting to show discharged in bankruptcy.I have disputed online and by mail and they have verified and changed nothing.My bankruptcy filing and discharge is on all XXXX credit reports and i have sent and uploaded my schedules.Recently since my disputing has increased XXXX is updating my account more frequently and driving down my credit score.On XXXX XXXX i received an update on my Experian report stating discharged in bankruptcy then on XXXX XXXX they reverted back to previous reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these accounts which were opened without my knowledge, consent or authority within 4 business days with ( 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. 
XXXX XXXX XXXX Balance : {$7900.00} ; XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$200.00} ;
Product: Credit card or prepaid card

The reward terms on my AT & T Access More Card from Citi says " Three ThankYou points earned for every {$1.00} you spend on purchases made online at eligible retail and travel websites. '' However, I have found quite a few qualifying online retail & travel transactions in my last two statements are only earning 1 points. Here are a list of them : Transaction date : XX/XX/2020 Merchant : bestbuy.com Amount : XXXX My comment : this is clearly an online retail purchase that should earn 3x points. 

Transaction date : XX/XX/2020 Merchant : XXXX Amount : XXXX My comment : this is clearly an online travel purchase that should earn 3x points. 

Transaction date : XX/XX/2020 Merchant : staples.com Amount : XXXX My comment : this is clearly an online retail purchase that should earn 3x points. 

Transaction date : XX/XX/2020 Merchant : XXXX Amount : XXXX My comment : this is clearly an online retail purchase that should earn 3x points. 

All above transactions should earn 3x points according to Citi 's reward terms. However, I only earned 1x points on them.
Product: Consumer Loan

I was suppose to get a discount and my apr to drop, but they never did. I am being charged a high apr
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT Number  XXXX  Credit file confirmation  XXXX   XXXX   XXXX  knowingly reported correct dates to keep an item on my credit report.  <P/> The account is over 8 years without payments or activity other than the reports of payments for {$0.00} that were never made.  <P/>  XXXX   XXXX  reports that I have made payments in the amount of {$0.00} to keep this old account active.  <P/> They used in incorrect date of first delinquency of over three years after the actual date.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, This credit bureau has failed to meet the FCRA on numerous occasions. I have filed 3 dispute letters for the past three months regarding a Bankruptcy on my credit report. They continue to deem this verified as accurate but, they have failed to provide proof or a verifiable signature that this is in fact my bankruptcy. I am requesting this be removed from my credit report immediately based on the fact they have not meet the FCRA over and over again. 

Thank you
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 ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishes, 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 disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

CRS Debt collection of XXXX Texas keeps calling myself, my job and my family members up to 5 times a day. They claim I owe money from some kind of loan from 2009. They tell me someone is coming to arrest me, and use abusive language. I have no idea what the loan is for, and they keep calling my place of unemployment and family members over and over. The person today told me to be quiet and listen to him that I am going to get arrested.
Product: Debt collection

XXXX XXXX, XXXX has sent out several confusing letters attempting to collect a dent for American Express in the amount of {$9600.00} but I never gave written consent or authorization to this company to have my personal and private information. XXXX XXXX XXXX XXXX is a debt collector but American express is still actively contacting me regarding the same debt. Due to this situation my credit reputation has been damaged and I have been denied a new home and business funding which takes away my ability to pay my bills, run my business, feed and cloth my family. This situation is causing stress to myself and my family. My federally protected rights as a consumer have been violated by both companies. I did not sign any contract with XXXX XXXX XXXX XXXX and give them permission to have my information.