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

XXXX, XXXX and Transunion are violating my consumer rights. 
I have been violated, I have found late payments reporting no my credit report based on the laws Im a consumer, you can not report these negative remarks on my credit profile according to 15USC 1681a ( 2 ) exclusions, ( i ) A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. This is hurting my report, this is causing me to be denied credit.

Please see the definition of a Consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 

Please see definition of a consumer ( c ) The term consumer means an individual. 

Please see the definition of a person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

Please see listed accounts reporting late payments 1. XXXX LATE PAYMENTS REPORTED XXXXXXXX XXXX XXXXXXXX LATE PAYMENT XXXX. XXXX XXXXXXXX LATE PAYMENTS XXXX. XXXX XXXXNO ACCOUNT NUMBER LISTED- XXXX LATE PAYMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm missing a credit card that should be on my credit profile it is on my husband 's credit report and not on mine. The credit card was with XXXX. It was opened XXXX XXXX. It's missing on my profile, it said status updated on XX/XX/2017. It was a joint account, underwritten by Synchrony Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX and 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 this item 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: Debt collection

I just received a Wage Garnishment from my employer for National Recoveries for my student loans. I have never heard of this company. I have not received any written notification from this company of how much my debt was, any repayment options, or any settlement agreements. I have received phone calls saying I was going to be served papers and over the phone, claiming they were " National Recoveries '' have stated they were going to sue me or arrest me on my job. This company never produced any documentation of my student loans. I want them investigated and I would like for them to stop harassing me and my employer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus transunion XXXX and XXXX
Product: Credit reporting or other personal consumer reports

Hard inquiry - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX I appreciate your prompt attention to this matter. 
Thank you. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus will not update my personal information and wont remove late payments showing on consumer report. Was asked to remove all inaccurate name variations and inaccurate addresses, phone numbers and employment information from my consumer report. The bureau continues to report inaccurate payment history and personal information on my report, Causing me to be denied extensions of lines of credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 



Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Reporting late payments on report During CovidAccording to the law 15 USC 16815-2 ( a ) ( 1 ) ( cp ) reporting During Covid in accurate information on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am in possession of a check that purports to indemnify Sofi Lending Corp in an amount of {$250000.00} against prior claims of the Internal Revenue Service ( " IRS '' ). 
It also contains an undertaking to provide information to the IRS. 


Offer ends XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Credit Card account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX. SOMEONE HAS BEEN USING MY IDENTITY FRAUDULENTLY TO OBTAIN SERVICES AND GOODS. I AM WILLING TO WORK WITH LAW ENFORCEMENT TO CAPTURE THE INDIVIDUAL RESPONSIBLE FOR THESE FRAUDULENT ACTIONS.
Product: Mortgage

I can not begin to tell how frustrated I am. For the last 3 years I have been affected by health issues related to multiple back conditions. These conditions impacted my ability to continue to earn a living.. My family and my performance suffered. XXXX I was diagnosed with XXXX .I tried to avoid XXXX to no success. I began to default in my mortgage when the condition preventing me from XXXX etc.. XX/XX/XXXX I had no other choice then to have the XXXX. I was out of work I spend four months recovering. I return to work XX/XX/XXXX. Shortly after I was laid off.. 
I immediately continue to panic and provided a request for a loan modification from BB & T. XX/XX/XXXX I receive correspondence that they are unable to continue with a loan assistant option based on evaluation performed in accordance with my loan investor/insurer guidelines FHA/XXXX. 
This is my primary residence. We want to keep my home. I defaulted due to circumstances beyond my control. Understand that I would have not have gotten to this point If I had not experienced the medical hardship. These were circumstances beyond my control. I am now able to make payments on my mortgage. I am requesting my file be reviewed. I am providing a full financial package again with all updated documents. 
Thank you
Product: Credit card

Starting in XXXX of 2023, I requested that all of my creditors switch my auto payments to minimum payments only, until further notice. 

All of them proceeded to switch me to minimum payment only, except for Barclays, which continued to try to debit my bank account for the full statement balance month over month. When I realized this was happening, I again requested that I be switched to auto minimum payments only, which they confirmed verbally, yet continued to attempt to withdraw from my bank account the full statement balance. 

As I did not have sufficient funds to cover the full statement balance ( which was the reason I requested to switch to minimum payments only ), they reported me as 30 days late in XX/XX/2023, which would not have occurred had they simply switched me to auto minimum payments only, as requested on multiple occasions. Even after they reported me 30 days late, and I had another conversation with Barclays regarding how I should have been on auto minimum payments only as requested and needed to confirm I would be moving forward, they continued to keep my status at full statement balance for auto payments. ( You'll see this evidenced in the XX/XX/XXXX last statement that I'm uploading, along with the others starting XXXX of 2023. You'll see on the statements, it was an error in their accounting system as their system was reporting that it had taken the full statement balance from my bank account, which it had not, so the following month would pull a lesser amount, which made it very difficult to track or understand what was occurring/what the issue was. I only received one phone call from Barclays during that 6 month period from XXXX and that wasn't until my account was already showing 30 days delinquent ) I've had perfect credit for many years and I consider this predatory as it's resulted in a severe drop in my credit score. I dispute this reporting by Barclays due to their neglect on my account and request that this 30 day late is removed from my credit report ASAP.
Product: Debt collection

On XX/XX/XXXX I purchased XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX I decided that I want to pay both devices off and switch couriers to suit my financials after Covid. When I paid off the devices I have a receipt that states that The devices are paid off and my account is closed and also That I dont owe anything. But XXXX told me that they dont give out receipts when people pay off phones so I had to go in store and take a screenshot. When I switched couriers to XXXXXXXX XXXX for cheaper services on XX/XX/XXXX I had them for about 4 months or so. My wife bought me a new phone from another courier so now we no longer have XXXX we have the courier she got the phone from. The first letter I received was on XX/XX/XXXX saying that I owe a past due balance of {$600.00} and that my account is suspended for non payment. I started calling XXXX everyday and they couldnt even tell me how they came up with that amount and why am I receiving letter in XXXX if my account was paid off and closed in XXXX?. So I received another letter stating that I owe {$720.00} and my account been deactivated. So I started back calling XXXX  asking about the amount and they still couldnt tell me how I owe that amount. So generally speaking that it takes a phone company 4 months to cut off a phone line due to non payment? Why would I pay anything if For 1 I dont owe anything, for 2 I dont have the service with them, and for 3 account access was denied for me to even log on after I paid everything In full. Then threatens me to pay it or they will put the collection on my credit which they did. So the amount ended up being a collection on my credit and I disputed the debt because its not mine and it got deleted but came back with a different creditor. This collection has been taking a toll on my credit for way too long and the credit bureaus just keep saying that they validated the debt. I never missed any payment with XXXX I never had any late payment on my bill and I paid my devices off. This has to be a misunderstanding
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went to check my credit score for a program I am going to participate in. I can not get my score, I have tried 3-4 places ; experian, XXXX, my bank XXXX XXXX XXXX XXXX. Each one can not give me my credit score, frustrated I decided to try again later. 
Today XX/XX/XXXX I go to check and spend more time trying to get my score over the phone and on websites and apps of the previously mentioned companies. Nothing came up, on XXXX it said I had some sort of installment account opend XX/XX/XXXX and listed options. None of which I did or have. So I selected none of the above. 
2nd question asked about monthly payment, which I selected none again because I don't have any payments. 
3rd question asked about a XXXX  loan XX/XX/XXXX which I have none and selected none of the above again. 
4th question is about a mortgage loan in XX/XX/XXXX. I don't own a home and I am paying rent each month to a landlord. 
Also the third time I did this step the question concerning XX/XX/XXXX debts was about a car loan and now it says XXXX  loan. 
Then it says We can't complete your request at this time. Please call the Customer Care team. 
I call the number and can't get ahold of a person to talk to, the phone line says only selected individuals with certain needs can speak to customer care. I called several times using different prompts to try and reach customer service. 
I believe it might be fraud holding me up on getting my score because of the questions asked about my credit account that I have never done before, like the carXXXX loan and mortgage.
Product: Debt collection

This company Midland Credit Management is trying to collect an alleged debt from me with no proof in the amount {$850.00}! The first time I heard from this company was by mail in XXXX XXXX they sent a pre-legal notification. In return I sent a letter on XX/XX/24 to them requesting verifiable proof by signature of contract and a detailed and break down of all fees of this alleged debt. They sent a letter back stated they verified the information with no proof. I sent letters to the three credit bureaus on XX/XX/24 about the inaccurate debt but I have not received anything back from the credit bureaus. I'm very upset and sad because this alleged debt is damaging my credit and causing me to get denied.
Product: Credit reporting or other personal consumer reports

Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments. There should be no late payments on this account.

Instructions : Validate/inaccurate reported late payments.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXX/XX/XXXXAccount number : XX/XX/XXXXXX/XX/year>
Product: Credit card

Concora Credit tricked me in to signing up for credit protection and when I try to cancel the website is blank. Their website offers no way to contact for help. I didnt ' want credit protection but they throw up a screen as soon as you login and if you mis-type you have signed up for costly protection you didnt want.
Product: Debt collection

When I signed up for a Leading XXXX membership I told the representative that I might not be able to continue coming if I got a job. She said, " That 's alright, you can cancel if that happens. '' So, I went to the health club for about a month before I got a full time job and could no longer go. I continued paying the fees for about five months, but after that I just could see any purpose in doing so since I could not utilize the club. So, I called to cancel and was informed that I would have to pay off the balance. This is not what I was told I repeatedly tried to work something out with them, but they refused. This occurred five years ago. I want to file a complaint against them at this point. It 's negative option billing. I trusted what I was told and then they change the terms.
Product: Money transfer, virtual currency, or money service

PayPal close my account for no reason soon as I receive {$700.00} in my PayPal they close my account I tried to appeal and try to fix it but requested got denied i have to sue PayPal to make them get me my {$700.00} I cant wait 180 days I need to pay my credit card and other stuff so if me and PayPal cant to agreement I have to take PayPal small claims court
Product: Credit card or prepaid card

My social security number has been stolen and is circulating on the deep web. I have reached out to this company and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX credit score is now in the 400 's because some how my information got out and someone took advantage of it. I am looking to get these accounts removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of several unauthorized accounts and inquiries listed on my credit report. I am a victim of a recent data breach, and these accounts and inquiries were fraudulently opened or accessed without my authorization. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you permanently remove the following entries. 
Unauthorized Accounts XXXX. XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance : {$4600.00} XXXX. XXXX XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance : {$6600.00} XXXX. XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance : {$2700.00} XXXX. XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance : {$6600.00} XXXX. XXXX OF XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance : {$6500.00} XXXX. XXXX XXXX - Account ending in XXXX - XXXX XX/XX/XXXX - Balance : {$9500.00} Unauthorized Inquiries XXXX. XXXX - XXXX XX/XX/XXXX XXXX. XXXX - XXXX XX/XX/XXXX