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

I am writing to file a formal complaint against TransUnion, XXXX and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/2022, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Product: Debt collection

Was sent a letter of unpaid tolls fees. said tolls where XXXX so I am being charged fees that do not apply such as admin, vol amb, violent crimes, civil penalty and civil penalty surcharge and all to a plate that was no longer MINE. I am being charged for XXXX tolls, XXXX for admin, XXXX for vol. amb., XXXX for violent crimes, XXXX for civil penalty and XXXX for civil penalty surcharge for each.,
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX & XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Checking or savings account

I am part of the Simple to BBVA transition. For XXXX  days I have been unable to access my bank account. BBVA USA 's servers were overwhelmed by the number of people trying to transition to BBVA from Simple, and in the process of registering for my account, my account was locked due to system errors. When I call the phone number to go through the automated process to unlock my account, it tells me that my action can not be completed. 

BBVA 's solution is for customers to call the customer service call center. The center, which seems to be outsourced to multiple locations where people get all sorts of different answers, is overwhelmed, resulting in unreasonable wait times, people getting disconnected, and general mayhem. BBVA 's response to this? Adding two hours to customer service call center operating times. That's it. I have been patient, yet BBVA has been completely mute about the issue. 

No emails. No phone calls, and there's barely even any communication on social media. What little we've heard from the company is that " Accounts are fine. Debit cards and checks still work. '' This is horrendously misleading and is at its core an outright lie. The vast majority of Simple users are LOCKED OUT of their accounts, which means that our cards are unusable, as are automatic payments and deposits and anything associated with our accounts. We can't get through to customer service on the phones, and this entire situation is due to gross negligence on the part of BBVA, which knew about this transfer for months. 

I found out through XXXX that people are calling random local BBVA USA branches to find anyone willing to help them do a password reset to unlock their accounts, but for most of these users, they were soon locked out of their accounts again. And frankly, finding work around like this is NOT our responsibility. The company has a responsibility to be communicative about these issues and come up with solutions or at least communicate what solutions they are working on. 

And, although I am not impacted by this next point, we Simple users were assured before the transition occurred that our routing numbers wouldn't change. They have. BBVA decieved users by making it seem as if this transition would be seamless. 

I am utterly shocked and outraged that this company continues operation and that no regulatory agencies have made statements about this. There's already talk of class action lawsuits floating around on XXXX, particularly from those most affected by BBVA 's negligence. 

Fortunately, the majority of my money is in another bank, but my experience with BBVA makes me question whether the banking system is even solvent anymore. It's ridiculous, and I really hope that BBVA begins working on actual solutions, or at the very least hire a PR firm to help them communciate with customers and additional technology employees to work on the backlog of issues they're dealing with, which have already cascaded into a national news worthy disaster.
Product: Debt collection

Capital one, the debt was a charge off effectively terminating any contract that was there. XXXX
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX : {$10000.00} XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

This complaint involves RCI Barclay in that they paid on several occasions XX/XX/XXXX, XXXX {$13000.00}, XX/XX/XXXX {$1200.00} and XX/XX/XXXX {$11000.00}. Totaling {$25000.00} to Holiday pay XXXX XXXX Nevada for a merchant located in XXXX XXXX, XXXX, These transactions were dependant on the merchant purchasing our property by XXXX XXXX for {$79000.00} and marketing for {$17000.00}, totaling {$97000.00}. All was written into contract between the merchant and us. When the merchant failed to buy our property by XX/XX/XXXX, we considered all previous transactions to be fraudulent simply stated the merchant ask us to buy their property first and then he would buy our property after. When the time came they did not fulfill his end of the contract. The merchants involved are A XXXX XXXX XXXX XXXX XXXX XXXX XXXX and their affiliates, XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX Pay XXXX XXXX, Nevada. As soon as we be aware of this fraud XX/XX/XXXX we reported this RCI Barclay and provided them with copies of contract and other documentations. However, the bank continue accept the word of the merchant that the transaction was legitimate. The banks also claimed that we waited too long to report the incident, But our position is that the transaction was no longer legitimate when we became aware that they had no intentions on buying our property, It is also our position that the merchant deceived us by delaying his purchase of buying our property to make the time to reporting a complaint null and void. but we believe that we reported to the bank this fraud as soon as we became aware of fraud.. I attempted for you to review our documentations in my report to you. But it stated that it was more than XXXX Now A Boutique is stating that they will not return our money because we have a balance due, We pay the contract in full by maxing out our credit cards under the assurance from XXXX  XXXX XXXX we would receive the money by XX/XX/XXXX in the amount of {$97000.00} XXXX pay off the credit card, XXXX XXXX  was able to recoup {$11000.00} for us and that is why A Boutique claims we have a balance. Now A Boutique is keeping our money in total of {$32000.00} ( this includes another credit card I used to pay off the contract. We are paying for something we don't own. Since then I had to do several balance transfers so my credit would not go bad and this has cause me a financial burden. 
Thanking you you XXXX XXXX
Product: Credit reporting or other personal consumer reports

The accounts listed below are fraudulent and are negatively impacting my credit report. I have reached out to the creditors, credit bureaus, as well as the reporting agencies on numerous occasions to request debt validation as well as a signed purchase agreements to show legal verification and full ownership of the accounts. I have yet to be provided with any of that information from either the creditor, credit bureaus or reporting agencies who have also verified the information as accurate/correct. The accounts are XXXX XXXX XXXX, XXXX, and XXXX XXXX. On XX/XX/XXXX I spoke with XXXX id # XXXX from XXXX and she told me that I would receive a call back within 72 hrs. I never received that call back. On XX/XX/XXXX I spoke with XXXX from XXXX, who refused to give me her ID # or last name, also told me that I would receive a call back within 72 hrs. I tried to explain to her that I would prefer another option than the call back because I never received the last one. She then hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection was put on my credit report stating I owe XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Reported {$570.00} theres multiple inaccuracies in the file on my report the address is incorrect XXXX XXXX XXXX I have never lived at this address, also the amount owed that is reported on my credit file isnt the same amount that the debt collector is asking for. I sent XXXX XXXX XXXX a letter asking them to not contact but they did anyway with a bill asking me to pay XXXX this is inaccurate to whats being reported on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan with discover Financial and decided not to accept their terms! They continue to pull my credit report I think it's been 10 times in the last 6 weeks! I've called and asked them to stop to no avail
Product: Debt collection

A while back, I checked my credit reports online and saw an account being reported by Trident Asset Management, a " debt buyer '' account regarding XXXX ( I assume XXXX of Florida, not XXXX XXXX ). 

Apparently, this has been reporting as a collection to my credit since XX/XX/2015. They are only reporting it to XXXX, and there is no information about who the collection is from. I disputed the debt and even though they verified it as accurate, they still haven't reported who the debt is from, or provided me with that information. I do not have any debt owed to XXXX and I have yet to receive any information or verification from Trident which would in any way indicate otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute the incorrect reporting of the XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX accounts on several occasions. The XXXX, XXXX and XXXX XXXX XXXX accounts have been paid and are not reflected as such on my credit report noted on the attached screen shot. They are being reported as " negative '' rather than " paid ''. I am attaching copies of proof of payment of these three accounts. The XXXX XXXX account is over 7 years old and should be removed. The date opened being  reported is the date the collection agency received the account as was verbally confirmed with XXXX XXXX. I have requested that proof of this debt AND the date of delinquency be provided to me by XXXX XXXX in the same conversation and it has been more than 30 days and they have not provided proof of this to me. In addition to this account being over 7 years old, I do not believe that I owe this debt. The incorrect reporting of these items are affecting my ability to obtain a mortgage.
Product: Debt collection

First, let me be abundantly clear, Midland Credit Management , Inc . I am well-informed of Case NO : XXXX, where the Bureau of Consumer Financial Protection took action against Asset Acceptance Capital Corp. , Midland Funding , LLC. , Encore Capital Group, Inc., and Midland Credit Management , Inc . Your alleged remark that 'As it was a credit card, the terms and conditions ( cardholder agreement ) that creates the agreement between the parties ' is wholly unacceptable and misleading.

Under 8 ( a ) ( iv ) ( 1 ) in the case that is referenced above, Midland Credit Management , Inc. must comply with my demand. This is not a request ; it is a legal requirement. I demand to see my signature on the alleged cardholder agreement, and I will not allow MCM to make false or misleading statements about me, as this is a violation of 15 U.S. Code 1692E.

Furthermore, your threats towards me are unwarranted and will not be tolerated, as they constitute a direct violation of 15 U.S. Code 1692d. Your complete lack of transparency in response to my legitimate demands regarding the safeguarding and acquisition of my personal information is also a violation of 15 U.S. Code 6801.

Adding to the gravity of this matter is the fact that Midland Credit Management , Inc. has failed to substantiate any of its alleged claims. Ive entered into no business with your company and have no interest in doing business with your company, We have no agreement or arrangement. You have refused to show any contract, whether by terms or by signature showing any such alleged account as you claim, and if you base your claims under the principle of alleged account stated, you are basing it on hearsay, not showing the affidavits proving any such alleged account transactions. In the event that you resort to legal action, know this : I will demand thorough information during the discovery process. I will pursue this matter relentlessly, fighting to the ends of the earth to protect my rights.

I demand that you close this account within your offices, cease all collection activity, and stop any further harassment. Failure to comply will hold you responsible for the violations you have committed, and I will not hesitate to seek legal counsel to protect my rights. You will not extract a single XXXX from me, especially over a debt I do not owe.
Product: Student loan

NAVIENT, since I 've been associated with them since XX/XX/2003, has always deceived me and made payments impossible. Their deceptive and predatory tactics have caused me to go into default and unable to obtain a federal PLUS loan to complete my graduate education. Furthermore, when I was receiving XXXX, I was constantly harassed by " customer service reps '' that Navient can and will take money from my XXXX. This is n't just a problem for the elderly but also the XXXX who do n't have a voice. I am unable to secure housing and will be homeless in the future as felons, especially registered XXXX offenders, have easier than ever access to affordable housing no matter their credit situation with special government programs that overlook their credit and criminal histories. I made many attempts to make reasonable payments to NAVIENT who repeatedly refused them and told me if it was n't the full payment I would still go into default. Everytime I call them to discuss payment options they have refused and told me good luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian There is information reporting on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me as the consumer. ( See Attached )
Product: Debt collection

Landlord created an eviction proceeding in retaliation of complaints about face masks not being worn by building employees and staff after they summoned necessary interaction during the XXXX mask mandate period. Victim/tenant tried to pay rent in month that followed and landlord refused. 

In Court for the unit, the landlord attempted to make a fair use claim, but was ordered by the Judge to wait until the Court cleared the XXXX ( anti retaliation claim ) by the tenant. 

Instead of waiting for the Court to decide on the action and collect fair use through the Court, the unscrupulous landlord continued to harass, retaliate, constructively evict and then tried to make their own debt amount, including lawyer 's fees the court did not award, a claim on tenants ' credit reports via Genesis Credit Collection agency by way of an agent named XXXX XXXX. 

The agency called family members of tenants and described to them the amount and debt type owned disclosing details of a debt that didn't exist. They called non-stop several times a day over several weeks. This collection agency already had complaints against it and restarted under a new name. The original claimed debtor is XXXX XXXX XXXX, XXXX. 

They have made up a fictitious debt amount of {$23000.00} and are adding fictitious missed payment amounts each month. 

The holdover proceeding still pending is available in the XXXX housing court records on XXXX as " XXXX XXXX XXXX XXXX XXXX  ''. 

My name is XXXX XXXX and the other person they are victimizing is XXXX XXXX.
Product: Credit card or prepaid card

Every month for the last few months, when I pay the balance of my credit card, Bank Of America adds a " Pending Transaction '' for the Amount that I have paid that falls off after XXXX  days thus locking out my ability to use my credit card. This time, I am on a work trip in FL and need a credit card for Expenses and I can't use my card. 

This is not my only issue. It is a Secured card, I provided bank of America XXXX to secure the XXXX credit Limit when I moved to the US in XXXX 2016. Yes I have now had the card for over XXXX  years and It is STILL Secured. My credit fluctuates as I have been going through a divorce, however I have not missed a payment in the last XXXX years and usually pay the balance off near the end of the month.
Product: Credit reporting or other personal consumer reports

I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, Metro 2 Format compliance, and any other relevant regulatory requirements governing reporting obligations.

The following disputed information represents allegations that lack sufficient proof of validity and compliance. I insist that you promptly remove these entries from my report. I expect this action to be taken without delay. Below is a list of the contested information : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Bank account or service

Chase has withdrawn money from my personal checking account ( non chase account ) for over four years. When I called Chase ( five times on XX/XX/2016 ), to inquire about the Chase account where the money is going, they were unable to provide the information. I provided the routing number and account number for the account that they have withdrew money from and appeared that Chase was unable to track where this is going. Furthermore, Chase did not comment when questioned bout the authorization of auto pay from my checking account ( non-Chase account ).