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

On XX/XX/XXXX XXXX received an email from my 3rd party credit monitoring service ( XXXX XXXX ). They informed me that my score had changed. I logged in and was shocked to discover that my credit score had dropped 37 points overnight. I was devastated. The previous night I had a Credit score of XXXX, the next morning XXXX. I had no credit related changes occur, and the only clue in the event was : XXXX XXXX Remark Removed From Account. 

I called the major credit bureaus ( XXXX, Transunion ) and corroborated this information. Was there was anything on their end that was the apparent cause? Everything looked good and there were no negative remarks, from each of the reps vantage point, they could see no cause which would justify the sudden drop. I initiated a dispute with Transunion to further investigate a possible cause, which was fruitless. ( Please see attached Credit Reports ) I called XXXX XXXX and it took me a few tries to reach someone who was aware of the issue, and wasnt willing to hang up on me. Alas! We discovered that around the XXXX of XXXX is when my account underwent some kind of change ( I was in general forbearance prior to change with good account standing ) I believe the change might have been relate to the student loan pandemic assistance special forbearance. I was reassured that they were aware of my type of case and that It should resolve itself For others, it has! I see similar cases on XXXX for example which sound really close to mine : https : XXXX Their issue did resolve on its own, and Im really happy for them. Im hoping I can be one of those people some day! 

I still dont really know what the true reason in my special case. 

Though, I do have a theory on why it may have not automatically resolved ( algorithmically ). Could it be that the proximity of my dispute with Transunion might have put my account in a separate bin, and when the function ran, perhaps my account was passed over and the fix not applied? 

I am hoping this dispute adds some formality my struggle with this, and shines a light for others who may be experiencing this! 

I write this now on this XXXX day of XX/XX/2020. 

Thank You for Your Time!
Product: Debt collection

Continuously calls during weekdays, and have now resorted to calling my spouse and now my father-in-law. I have no debt to be collected with this company.
Product: Debt collection

WHO ARE YOU HAVE NO BUSINESS WITH YOUR COMPANY CEASE AND DESIST FROM REPORTING ON MY CONSUMER REPORTS
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I saw addresses on there that are not correct. I looked up your website, I have enclosed proof of my current address that you require. 
The only address that should be listed is shown at the top of this letter. I also would like for you to correct the spelling of my name. There should absolutely not be any variations of my name because it is spelled XXXX way. I have enclosed my ID as proof of the correct spelling. 


Here is a list of the incorrect address, please remove them : Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX , FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRY : XXXX XXXX  XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having issues getting to credit bureaus to update and correct my personal information on my credit report.
Product: Credit reporting or other personal consumer reports

The companys response does not address my specific complaint. When they were still the account holder, I requested verification of the debt, including a copy of the original contract with my wet signature. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), they were required to ensure the accuracy of the information they reported, yet they failed to provide any documentation proving the validity of the debt.

Additionally, under 15 U.S.C. 1681b and 15 U.S.C. 1681g, I have a right to request and receive supporting documentation for any reported account. Their failure to provide this before transferring the account means they did not meet their legal obligations while they were the furnisher of information. Their claim that they are no longer the creditor does not absolve them of their previous failure to verify the debt when requested.

Because they did not validate the debt while they were the account holder, the reporting of this account is inaccurate and unverifiable under the FCRA. I request that this item be removed from my credit report immediately.
Product: Credit card or prepaid card

Someone tried to open a Nordstrom credit card account using my name. They were unsuccessful. I was notified by XXXX that this took place. XXXX helped us contact them and all is well, but XXXX suggested I still report it with you.
Product: Credit reporting or other personal consumer reports

A company I own took out a loan at an illegal ( usurious ) rate of interest ( over 78 % XXXX ). 

Because it is a business loan, they are allowed to avoid compliance with consumer usury laws, by saying it's a discount on " receivables. '' The company could not keep up with the high payments, and fell behind. XXXX then reported it to my personal Experian credit file. 

Experian is a CONSUMER credit reporting agency, which should mean that they are in COMPLIANCE WITH FEDERAL AND STATE CONSUMER PROTECTION LAWS, INCLUDING USURY LAWS. 

This " loan '' that XXXX does not call a " loan '' in order to avoid usury laws, should not be allowed on my personal credit history. They need to choose XXXX XXXX only. Either comply with XXXX XXXX XXXX usury laws, and charge a LEGAL interest rate, and then they could potentially report on my consumer credit. Of course, if they were not charging such stupid high interest, the company would not have fallen behind. XXXX charge illegal rates of interest, call the thing something other than a loan, and then NOT report on my consumer profile. But they should NOT be allowed to have it BOTH ways! This is a violation of my legal protections which have been provided by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received correspondence from Trans Union file # XXXX indicating that they completed their investigation and that the following accounts were verified. 
XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX After looking at the results the Credit Bureau has not done a proper investigation under 15 USC 1681 ia ( e ). The law clearly states, and the statue indicates investigative consumer report ( XXXX ) The term " investigative consumer report '' means a consumer report of portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning nay such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or form the consumer. 
Trans Union is continuously violating my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Clearly States the credit bureaus have 5 days to notify me from when they receive my disputes. They also violated my rights under 15 USC 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

Trans Union also failed to follow the statue regarding 15 USC section 1681 i ( a ) they failed to provide accounting of their complete investigation as required by the statue and case law that has been ruled in many circuits in US District Court. A violation of 1681 i ( a ) requires a consumer reporting agency to conduct a reasonable reinvestigation of the disputed information contained in the consumers credit file requiring the consumer reporting agency to have disclosed the consumers credit file. Also, in case law Bryant v. TRW, Inc. 689F.2d 72, 79 ( 6th Cir. 1982 ) ( making two telephone calls to the creditor was insufficient to re-verify disputed information ). Because there was a genuine issue of material fact regarding whether XXXX  was negligent in failing to comply with the reasonable reinvestigation requirement, the district court then had to decide whether there was a genuine issue of material facts.
Product: Debt collection

I am writing to dispute the collection account associated with my name and reported on my credit report by your agency. I recently received the correspondence you provided, including what you claim to be a contract between your agency and the original creditor. However, after careful review, I find that the details you mention in your letter does not validate the legitimacy of your claim to collect the alleged debt on behalf of the creditor.
Product: Checking or savings account

I have filed for unathorize dispute with my account as we were overseas and have noticed charges from XXXX XXXX and XXXX without my knowledge as I had no means of checking transactions due to poor internet connection in the rural province of where we were. I have filed the follwing claims : 1. XXXX 2. XXXX Before the 10th or 30 day investigation period it was automatically closed and have asked for report but they were unable to send anything and instead just the typical note saying they did not suspect fraud due to the fact the account was being checked online and its valid. I have filed a complaint to XXXX  as well and they kept sending the same letter and all I want is for them to investigate as I never did made any transaction with XXXX XXXX or XXXX. A big amount have been stolen from my account and I have also been contacted by Police Officer in Hawaii but nothing was done to resolve it. I was told the case have been sent to them but they did not do anything as they said the charge was done online. How are they to claim fraud protection when they are letting the fraudsters get away with taking money from consumers account and the bank does not do anything to investigate and instead of helping the consumer they just assume on a basis that is not favorable for the account holder. I just want my money back and have them investigate as I have been unable to get far with XXXX XXXX and XXXX as I did not know any reference numbers and nothing in my name was showing up in there system. I was told to dispute with the card issuer but how am I suppose to do that when they are not willing to help me get my money back and do an investigation. 

When the account closed. They have sent the check to my old mailing address and have asked for it to be resent and they have refused noting I need to step in the branch when I am living overseas for work particularly in XXXX and there is no branch. I have asked to have the check sent to the following address : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report. 

Account : XXXX XXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Credit reporting or other personal consumer reports

filed form by mail for all three credit agencies but only received XXXX  and XXXX, not equifax,. created equifax, my equifax account, but can not log into it, always get try later message for days all hours.of the day. Needless to say the weeks it is taking to fix the problem produces more stress and fear my data will be used against me.
Product: Credit card

Timely payments have always been a priority for me regarding this account, ensuring that they are never overdue. I'm perplexed by the presence of late payment remarks on my accounts. It's important to note the provisions of 15 USC 1666b - Billing Error, which necessitate corrections when errors occur.
Product: Debt collection

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Discover Bank/Discover Fin Svcs LLC RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act Dear Sir or Madam : I am a victim of identity theft. The thief made a fraudulent transaction/opened a fraudulent account in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent accounts identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. 

Enclosed with this request is the following documentation, as applicable : Proof of my identity : A copy of my drivers license, other government-issued identification card, or other proof of my identity ; and Proof of my claim of identity theft : A completed and signed FTC Identity Theft Report or alternative affidavit of fact. 
Please provide all records relating to the fraudulent accounts, including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. 

If you have any questions concerning this request, please contact me at the above address or at XXXX
Product: Payday loan

My payday loan company 's name is Lendgreen. Not sure where they are located. I took out a pay day loan that I still have yet to pay back as I am completely broke and am now looking for a 2nd job. They call me 3 times a day so I would like to file a complaint for harassment. The screenshot attached is an example of 2 days worth.
Product: Debt collection

In the year of XX/XX/XXXX I, XXXX XXXX XXXX gave permission USAA Federal Savings Bank by phone with XXXX XXXX XXXX to apply my name as a co-signer to his purchase of a XXXX XXXX XXXX for {$6000.00}. I did not receive any paperwork regarding his purchase. Without my knowledge in the year of USAA Federal Savings Bank aloud XXXX XXXX XXXX to trade the car in for a XXXX XXXX XXXX without my consent. The USAA Federal Savings Bank did not reach out to me by phone, letter, or email to inform me that this change was being made and or get my consent to apply my name to the purchase of {$32000.00}. When I found out about this new loan it was three months after the loan was finalized, it was brought to my knowledge when I received the late notice of his payment. After discovering this new loan, I contacted USAA Federal Savings Bank and asked them why they would place my name on a new loan without my consent or signature. The USAA Federal Savings Bank representative confirmed that this was not supposed to take place but also informed me that they would not be taking my name off of the loan. USAA Federal Savings Bank stated it would be my responsibility to get him to refinance the loan in his name only. Then in the year XX/XX/XXXX, the USAA Federal Savings Bank aloud XXXX XXXX XXXX to traded the XXXX XXXX XXXX in for a XXXX XXXX XXXX XXXX. Once again my name was applied to this vehicle loan without my consent. I notified USAA Federal Savings Bank and closed out all my accounts dealing with them. For the last year, USAA Federal Savings Bank has refused to give me any information about the account or why they are still trying to collect {$27000.00} from me after the XXXX XXXX XXXX XXXX was wrecked and most of the loan was paid off. They have turned this account ending in XXXX over to a collection agency and no one will talk to me about it, or tell me if he received any credit for the XXXX XXXX XXXX that was turned in due to XXXX XXXX XXXX 's lack of ability to make the payments for the vehicle, nor, for the XXXX XXXX XXXX that was wrecked. The Insurance company was supposed to pay most of this vehicle loan off for once the XXXX XXXX XXXX was wrecked. Could someone look into this and find out is this legal because I feel like I am being held hostage by this situation being on my credit report. This item should be taken out of my name and off of my credit report leaving only XXXX XXXX XXXX and USAA Federal Savings Bank to be liable for these loans. I do believe USAA Federal Savings Bank owes me because everything I have bought on credit since the year of XX/XX/XXXX, I have had to pay more for.
Product: Credit reporting or other personal consumer reports

Please check the information concerning the Equifax, Experian and TransUnion data breach below in attachments
Product: Checking or savings account

On XX/XX/XXXX I was in car accident and was admitted to hospital. I had XXXX on my XXXX and had XXXX XXXX I was also put in XXXX XXXX XXXX I was in the hospital until XX/XX/2021. During this time my ex boyfriend stole my idenity. My phone my credit cards, bank accounts, if, social security card, birth certificate, he took out loans in my name, he spent all my money, I filed a dispute on XX/XX/2021 as soon as I found out about this. On XX/XX/XXXX moneylion emailed me saying they found no error. On XX/XX/XXXX I emailed them back and asked for a appeal and sent them copy of police report, note from XXXX And affidavit from my ex boyfriend admitting to doing this and asking for a lesser sentenceXXXX XXXX  On XX/XX/XXXX they closed my account. I was in XXXX how could I have don't any charges. They will not return my emails. They emailed me saying they were closing my account and I would receive the remaining funds via check and to call and Verify my address I did that immediately and waited for check XX/XX/XXXX I called because I still have not received my check and they said it was mailed out to wrong address. I would like my money back that was stolen from me and the money that was in my bank account
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, XXXX and XXXX XXXX immediately! 

XXXX XXXX XXXX  XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$510.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed two inquiries I did n't authorize. I 've called Transunion they told me call the creditors. I called them and they told me call Transunion. This is very insane. The two inquires are : 1 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX ( XX/XX/XXXX )
Product: Credit card

Early this year in notice that my credit card date was expiring so I contacted the credit card company for a new card. I was told that they need to do some investagation of my personnel finacnes that could possible effect my credit score. This company has refused to provide any credit increase for decades. This card is dead weight no other credit card company conducts business like this. I asked for the updated credit card ( 3 ) times and this company can mail a the updated card. I've use there credit properly I was told that it would hurt my credit by closing down the this account. Just resently this company rasied the limit of XXXX XXXX XXXX even that is normal. Please warn consumers thats this company act very aggressively even if you us the credit the right way.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I sent {$70.00} to Arinoli Andole ( XXXX ) through PayPal Friends and Family for 2 tickets to Excision at the XXXX XXXX  XXXX in XXXX, CO. I never received the tickets. Before sending money, I asked profusely if she was going to scam me. On XXXX, her name is " XXXX XXXX XXXX ''. She even sent me a screenshot of what was supposed to be a proof of purchase, so I assumed it was fine to send my money over. However, she or he must've digitally edited the screenshot to make it look real. This is the second time I've been scammed and would really like you guys to look into this and refund me in some way.