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

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate and/or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. The failures align with my experience from XXXX, and TransUnion has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing as well. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion 's inaction violates federal law and my rights as a consumer. TransUnion can't keep ignoring evidence showing other bureaus deleted the same account they aren't even investigating properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX Visa credit card is lost/stolen. The balance of {$150.00} listed on my Equifax credit report is fraudulent charges and balance. The balance of {$150.00} listed on the XXXX XXXX XXXX   account is all fraudulent charges and transactions due to my XXXX XXXX XXXX XXXX Visa being lost/stolen. The XXXX XXXX XXXX missed payment on time is due to fraudulent charges. The following credit inquiry listed on my credit report is fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2020.
Product: Debt collection

XXXX Prepared For XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collection accounts LVNV FUNDING Original creditor : XXXX XXXX XXXX  {$160.00} Balance updated XX/XX/XXXX Account info Account name LVNV FUNDING Account number XXXX Original creditor XXXX XXXX XXXX  XXXX XXXX XXXX Account type Open account Date opened XX/XX/XXXX Status - Status updated XX/XX/XXXX Balance {$160.00} Balance updated XX/XX/XXXX Paid off 0 % Monthly payment - Past due amount - Terms - Responsibility Individual account Your statement - Payment history No payment history available to display. 
Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX Phone number ( XXXX ) XXXX Comments Placed for collection
Product: Debt collection

Complaint : I have never received a statement from XXXX. I pulled my credit report the other day and noticed that there is a collection account on my credit report that I am very unhappy about. This Collection account reports back to the year 2015. I called XXXX today to discuss this and they could n't even answer my questions. I have no idea who they are. I have never received a statement from them nor have they even contacted me. I need to know what this is all about. I am very upset because this is damaging my credit. I paid them in full since it was a small amount, and ask them if they would remove all negatives on my credit report, with a " office policys say no ''
Product: Credit reporting or other personal consumer reports

I discovered multiple inaccuracies being reported, which I believe violate the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ). Specifically : Accounts Reported in Error Several accounts, including those under identifiers like XXXX, XXXX, XXXX XXXX XXXX  ( XXXX ), and others, are being incorrectly reported. These inaccuracies are clear violations of FCRA Section 623, which mandates that creditors must not continue reporting disputed accounts unless they can provide proof of accuracy. 

Identity Theft-Related Violation An account reported by XXXX XXXX  XXXX XXXX XXXX ) is in violation of 15 U.S.C. 1681c-2, which requires blocking the reporting of information linked to alleged identity theft within four business days of notice. 

Unverified Hard Inquiries Several hard inquiries, including those from XXXX ( XX/XX/2023 ), XXXX  ( XX/XX/2023 ), and XXXX ( XX/XX/2023 ), have not been substantiated as accurate. The FCRA requires proof that these inquiries are valid and authorized. 

I am invoking 15 U.S.C. 1681i ( a ), which obligates you to complete a reinvestigation within 30 days of receipt of this letter. I demand immediate action to : Reinvestigate the accounts listed. 
Remove any unverified, inaccurate, or misleading information. 
Send me an updated copy of my credit report. 
Notify recipients of my report from the past six months about any corrections made. 
This matter requires prompt resolution, and I trust you will adhere to the legal requirements.
Product: Credit reporting or other personal consumer reports

Subject : Cease Unauthorized Credit Reporting Immediately - Legal Reference to Georgia FCRA Identity Theft Fraud Laws Dear NAVY FCU, I am writing to address a serious matter involving the unauthorized reporting of information to my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) as per Georgia state regulations, particularly Sections XXXX and XXXX of the Official Code of Georgia Annotated ( OCGA ), which outline identity theft fraud laws. 

It has come to my attention that NAVY FCU Account XXXX : XXXX has been reporting information to my credit report without obtaining my explicit consent. Under federal and Georgia state law, including the FCRA and the Georgia Identity Theft Act, such reporting activities without consumer consent are unlawful. 

I have not provided consent for NAVY FCU Account Number : XXXX to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, subjecting me to potential damage to my creditworthiness and demonstrating disregard for both federal and state laws. 

I demand that NAVY FCU Account Number : XXXX immediately cease all further reporting of information to my credit report without obtaining my explicit consent, as mandated by relevant sections of the FCRA and Georgia identity theft fraud laws. Failure to comply within 30 days will be considered willful noncompliance, subject to penalties under applicable laws, including the Georgia Identity Theft Act. 

Obtaining consent is not a choice but a legal obligation under these specific sections of the FCRA and Georgia state law. This is not negotiable ; it is a demand for compliance with both federal and state regulations aimed at protecting consumers from unauthorized and damaging credit reporting. 

I expect NAVY FCU Account Number : XXXX to rectify these violations promptly and respect my rights under federal and Georgia state laws. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent accounts in my file that are reporting on Experian Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged THE BUREAUS XXXXXXXX XXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit card or prepaid card

On XX/XX/2019 I applied for and was approved for {$5100.00} a Debt consolidation loan from XXXX XXXX XXXX located in XXXX XXXX illinois, on that same day I went to My local XXXX to make a payment of {$5100.00} on My Walmart credit card. My payment was submitted to Walmart and a receipt was issued to Me from Walmart noting payment. On the XXXX of XX/XX/2019 it was discovered by Me that Walmart did not post My payment made on the XXXX of XXXX for the amount of {$5100.00}, in fact only {$19.00} of My payment was posted. Walmart refused to explain to Me where My money went nor assist Me on the matter. Upon following up with XXXX XXXX XXXX on the matter I was furnished with copies of My payment to Walmart for the amount of {$5100.00} which cleared on the XXXX of XX/XX/2019 and was not posted to My account. 
Further follow up 's with Walmart to this date have resulted in further complications and no resolution to My issues
Product: Credit reporting or other personal consumer reports

I am writing to formally express my deep concern regarding the inaccuracies present in several disputed accounts on my credit report. Despite my repeated efforts to bring these errors to your attention, I have yet to receive any resolution or corrective action. These inaccuracies are having a severe impact on my credit file, which in turn is causing significant hardships in my daily life. 

The ongoing negative effects of these erroneous accounts are distressing and have left me in a challenging financial situation. I kindly request that you initiate a thorough investigation into each of these disputed accounts. It is crucial that my credit report is updated and rectified without further delay to ensure its accuracy and integrity. 

Your prompt attention to this matter is essential for me to regain control over my financial well-being. I would greatly appreciate your swift action and cooperation in resolving this issue. 

Thank you for your understanding and assistance.
Product: Vehicle loan or lease

Several months ago I filed a complaint with the Consumer Financial Protection Bureau, against World Omni Finance for reporting erroneous late payments. Today I reviewed my credit report and both credit reporting agencies are indicating I am 4 payments behind on my vehicle loan. The report is showing I am 30-90 days behind on my vehicle loan with World Omni. I am at the mercy of World Omni Finance Co. and these credit bureaus because it takes 30 days for them to investigate and another 30 days for them to correct the error. Then the error appears back on my credit report. I have been fighting this since XXXX. I contacted World Omni and their representative says they are not reporting any late payments. Please tell me what to do
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history all payments were placed on A

utopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Vehicle loan or lease

I WAS CONTACTED BY THIS COMPANY I PREVIOUSLY SUBMITTED A HARASSMENT LETTER ASKING THIS COMPANY TO STOP HARASSING ME.THIS COMPANY IS STILL HARASSING ME FOR A DEBT THAT IS NOT MINE THIS COMPANY REFUSE TO GIVING ME INFORMATION SUCH AS MY IDENTIFICATION CARD, CORRECT SPELLING OF MY NAME AND MY ADDRESS WHERE THE LOAN WAS ESTABLISHED AND THIS COMPANY REFUSE TO PROVIDING ME WITH ANYTHING BUT HARASSING LETTER ASKING FOR A DEBT I DON'T OWE.
Product: Mortgage

I lost my job and got behind on my payments. Called today ( XX/XX/2019 ) to make a payment and a half plus a little ( XXXX ). I also had XXXX in a suspense account for a total payment of 2 months plus a little. So I called to make the payment and was told they couldn't accept any payments and I asked why and was told because I was in forclosure. I said that's news to me I've not been notified and they said that's because they started the process today. I said so you started forclosure on same day I'm trying to make a payment that's convenient. So I asked what happen with the money in my suspense account and was told o we used that and applied it to your escrow account. I said it was supposed to be used towards a payment and they said they could use it however they want. I called 3 times today trying to figure this out was hung up on twice and finally got transferred to loss mitigation the third time after being told I could apply for a modification but I would most definitely be denied. Then I was transferred to loss mitigation and he told me he was mailing a packet and he didn't see a reason I would be denied This company is Selene Finance
Product: Debt collection

1. Healthcare Collections is attempting to collect a consumer type debt allegedly owed by Plaintiff to XXXX with account number XXXX in the amount of {$250.00} ( the " Debt '' ). 
2. On or about XXXX, I sent a letter to Healthcare Collections requesting validation of the alleged Debt. In this letter, I stated that I had no knowledge of this debt and disputed it. 
3. Sometime around XXXX, Healthcare Collections sent a letter attempting to collect the alleged Debt. 
4. On or about XXXX, I obtained my XXXX credit file and noticed that Healthcare Collections reported the alleged Debt in the amount of {$250.00} This stated that the date opened was XXXX, which is false. Further, Healthcare Collections did not flag the alleged Debt as disputed, in violation of the FDCPA.
Product: Checking or savings account

I got an email from Discover Bank that contained my account information. I identified it as a phishing email only by confirming that the domain name is not used by Discover Bank and does not exist as a valid domain. When I reported it to them they at first confirmed they did not send it. I uploaded it to their fraud alert department and got a response that it was a valid email. It is not valid. The fraud department at Discover is unable to recognize a phishing email. Numerous attempts via phone and secure messaging just goes in circles. My requests to escalate to a supervisor have been ignored. They refuse to assign a case number and person to this. My account information is available to the criminals that sent the phishing email and Discover Bank is doing nothing about it.

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are still reporting incorrect personal information on my credit report which is hurting my credit ratings. I sent in sever letters letting them know the information they are reporting is incorrect. 

XXXX Not mines : XXXX XXXX XXXX XXXX XXXX, TN XXXX Not mines : XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX EMPLOYMENT INFO Incorrect : XXXX XXXX XXXX Incorrect : XXXX XXXX XXXX XXXX EQUIFAX Incorrect : XXXX XXXX XXXX XXXX  XXXX XXXX, TN XXXX
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX have allowed identity theft and fraudulent accounts to remain on my credit report,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to all three credit reporting to have investigate the in accurate information being report. 

on all three reports XXXX XXXX is reporting that I paid as agreed from XXXX  XXXX 2019 but, in XXXX it reports I was 60 days late and in XXXX and XXXX 2019 the vehicle was repo. This information is inaccurate and should not be reported on my credit. 

The are also reporting this as a charge off but, stating I owe a pass due amount of {$9300.00}
Product: Debt collection

ON XXXX/XXXX/16 ; XXXX/XXXX/16 ; XXXX/XXXX/16 I spoke to a representative at Weinstein, Karp & Associates, INC on those XXXX conversations the representative never verified me properly, she did not disclose that the call was being monitored and recorded, she did not state mini Miranda and she did not disclose her company name. She also continuously called me back to back on several occasions. She never got permission to call my cell phone and kept calling about XXXX times per hour.
Product: Credit reporting or other personal consumer reports

Failure to communicate with me. I had no acknowledgement and not to my consistent that my credit report was being used or the falsifying of signatures was being applied
Product: Vehicle loan or lease

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact, therefore exists I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account
Product: Money transfer, virtual currency, or money service

I inadvertently disassociated my mobile number with my CashApp account on XX/XX/2022 which had a balance of approximately {$500.00} and completely lost access to these funds. I attempted to recover my account by contacting CashApp support and providing my account information. They claim they were not able to successfully complete the recovery process and said they could not assist me any further.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX , I discovered  XXXX   (   XXXX   )  was re-inserted onto my credit file. You are required to notify me within 5 days of re-inserting a previous deleted item. I did not receive a notification. Please delete this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing on my credit report that XXXX XXXX XXXX XXXX XXXX, which I am a member of has conducted a hard inquiry on my account/credit history without my authorization on XXXX XXXX, 17.
Product: Debt collection

I am disputing a child care debt reported on my credit report by HF Holdings for services allegedly provided by XXXX XXXX XXXX XXXX. My child never attended this facility, and I never signed any agreement making me financially responsible for this debt. 
Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I formally requested debt validation, including : A signed contract with my original signature proving I agreed to pay for child care services.

Proof of service showing my child was actually enrolled and received care.

A full chain of title proving how HF Holdings legally obtained this debt.

A complete payment history or any records of payments made.

HF Holdings has failed to provide proper documentation but continues to report this debt to credit bureaus, violating the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ) by reporting unverified and inaccurate information.

What I Want HF Holdings to Do : Provide full and verifiable proof that I am legally responsible for this debt. 
If they can not validate the debt, they must remove it from my credit report immediately. 
Cease any further collection attempts until they comply with FDCPA requirements. 
Supporting Documents : ( Attach any emails, letters, credit reports, or dispute responses you have received. ) Have you contacted the company? 
Yes, I sent a debt validation request to HF Holdings, but they have failed to provide sufficient proof.
Product: Credit card

I made a {$500.00} payment, they never submitted to my bank, lied about it & charged me interest. I asked for escalation, they never responded. I made a {$66.00} XXXX {$430.00} payment, they reversed/held payment, charged interest again! I asked Supervisor " XXXX '' what balance amount did they use to calculate interest fee. She stated she doesn't know & Noone there knows. I said that's scam/fraud. She pretended call dropped, but muted her phone. Stayed on for an hour while I am submitting complaint to att general, XXXX  and you guys, then hung up! They are stealing from consumers with false credit reporting, high interest, return fees late fees & whatever else! I told them my mom had a heartattack. I needed my card for emergency, they got worse!