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

True accord corporation. XXXX XXXX XXXX  dont know XXXX XXXX XXXX {$2500.00} was {$2000.00} had a XXXX or XXXX XXXX XXXX suddenly went and car company couldnt fix told me to fix I was still under warranty they repossessed it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Include closed XXXX XXXX XXXX account still on my credit report please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraudulent accounts for the past year, and Transunion have not provided me with substantial proof of validation that they claim they've received. I have made several attempts to remind Transunion of their obligations under 15 USC 1681. It appears that they are deliberately and willfully acting in negligent in resolving my issues. I have made attempt after attempt to have these errors removed from my credit file. I have previously provided copies for my FTC report as well as proof that I was a victim of the 2017 XXXX data breach. Th.e accounts that are fraudulent and need to be removed from my Transunion credit file are XXXX XXXX AND XXXX XXXX. These accounts are fraudulent I demand please remove IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

They have failed to provide me with how they are verifying that every single dispute I send to them is accurate. I have done numerous online and telephone disputes, just for them to say all disputes is Verified as Accurate. I have sent them certified mail disputes and they have never sent me back any findings answering my disputes. I have called twice recently on XX/XX/XXXX and three times on XX/XX/XXXX. They dropped my credit score after talking to them on both of those days. How can they do this? Nothing has changed on my credit report for them to drop my score. They will not investigate my disputes nor provide me with how they come to the terms that the information is accurate. It seems as they have something listed on my file for every representative at Experian to not help me. I am going to reach out to a lawyer today because this is wrong. I have 4 collections on my credit report that the creditors and Experian fail to validate and I want them deleted. Experian has not responded to any of my mail disputes since XXXX of XXXX.
Product: Credit card

I am filing a consumer complaint against Self Financial Inc. ( " SELF '' ) concerning violations of my privacy rights under the Graham-Leach-Bliley Act ( " GLBA '' ). 

In XX/XX/XXXX, I entered into a cardholder agreement with SELF FINANCIAL INC . The cardholder terms did not include any GLBA-mandated notice or opportunity for me to opt-out of SELF sharing my personal financial information with unaffiliated third parties. 

In XX/XX/XXXX, upon learning SELF was sharing my information without consent, I sent written notice revoking any purported consent and expressly instructing SELF to stop disclosing my personal financial data to third parties. SELF acknowledged my notice but has continued the unauthorized disclosures. 

SELF is sharing and allowing access to my loan information, account history, and transaction data with credit bureaus, and other service providers without my knowledge or consent as required by GLBA Sections 502-503.

SELF refuses to comply with GLBA privacy requirements and honor my opt-out rights. I am very concerned about the impacts unauthorized sharing of my information could have.

SELF 's willful GLBA violations and negligent handling of my personal financial information cause me financial harm, distress, and has defamed my character. I formally request the CFPB use its enforcement authority under GLBA to investigate Self Financial and stop these unfair privacy practices.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 reported to be removed.

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. 

XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX 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! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries on my account thats unverified. I have been reaching out to my credit bureau and they are little to no help about getting my issue situated. They also do not do proper investigation. I find that unfair according to the FCA section 611 ( 15 u.s.c 1681i ) unverified inquiries must be removed. I have also reported some of these inquiries and some how 2 is still poping up Please have them investigate the following inquiries and get them removed off my credit immediately I have not gave any of these companies verification to access my credit report for any reason XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

On XXXX, I was trying to obtain a payday loan or short term loan. 
I applied for one on line, and then I received a barrage of texts and emails from other lenders, which confused me. 
One company in particular represented that I had already applied and been approved for a loan, but I didn't think that I had actually applied at first. I must have, because they had my credit union account information. 
I looked at the terms and knew that it was a usary rate, so I went looked at reviews of on-line loan companies and ultilmately chose a different one. 
A few days later, {$800.00} was depostied into my checking account by Explore credit, which is the company that I desribed above as having represented that I had been approved for a load that I did not remember applying for. 
When automatic payments to pay off the {$800.00} dollars started coming out of my account, I firgured I should repay the money that they deposited into my account. 
I didn't notice at that time, but the company was taking automatic payments ever two weeks of {$210.00} for an XXXX dollar loan. I noticed two payments, and thought it was coming out monthly. 
In mid-XXXX  of this year, I started receiving texts from Explore Credit about a missed payment. I had been overdrawn, as I am separated and struggling to make ends meet at the moment. 
So I went onto their webiste, and created a login, and went to the portal to schedule a payment. 
The amount that it stated I currently owed was around {$1300.00}. I would state the exact amount, but it changed literally as I watched it, the amount jumped /changed to over {$4000.00}. I think approx {$4800.00}. I was certain this was just a mistake, but then I went into my credit union records, and they had been extracting {$210.00} every two weeks. The total amount that has been paid to date is {$1000.00}. 
I tried texting back one of the representatives that had been texting me, and they urged me to get on the phone to renegoaiate. So then I went to the XXXX XXXX XXXX website, and read many, many complaints against them. They have a rating of an F. 
So then I tried reaching out to the company ( Explore Credit ) on their website, the Contact Us feature. I tried to submit my complaint to them three times, each time I received an error and a message to try again later. 

I am certain that there is some degree of fraudulent activity, and the company does not seem to be in jurisdiction, as it appears to be XXXX XXXX XXXX owned. 

Is there anything I can do legally to settle this without repaying {$4800.00}?
Product: Credit reporting, credit repair services, or other personal consumer reports

Have attempted to contact the creditor multiple time by mail and phone. Have never received a written response from the creditor. Was able to speak to a representative and was told they had no information on my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX was paid off on XX/XX/2024 in full
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), it is stated : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

As Equifax and XXXX are consumer reporting agencies, and I am the consumer, I have the right to ensure my private information is not shared without my consent. This is supported by 15 USC 6801, which establishes that : XXXX has determined that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of their nonpublic personal information.

A furnisher of information to credit agencies qualifies as a financial institution under this definition. Furthermore, 15 USC 1681, Section 604 ( a ) ( 2 ), specifies : A consumer reporting agency may furnish a consumer report only under the following circumstances : in accordance with the written instructions of the consumer to whom it relates. 

Neither Equifax, XXXX, nor the furnisher of information to credit agencies has my consent to furnish or share my information. I have never provided written consent, and any prior consentwhether verbal, implied, or otherwiseis hereby revoked.

Additionally, 15 USC 6802 ( b ) ( c ) makes it clear : A financial institution may not disclose nonpublic personal information to a nonaffiliated third
party unless the consumer is given an explanation of how they can exercise their nondisclosure option.

The furnisher of information to credit agencies failed to notify me of my right to opt out of such disclosures. Beyond this, 15 USC 1681c ( a ) ( 5 ) prohibits : Any consumer reporting agency from including adverse information in a consumer report that predates the report by more than seven years, except for criminal convictions.

The account being reported is an adverse item that violates this statute, as it is being furnished without my authorization. 15 USC 1681s-2 ( A ) ( 1 ) ( A ) further reinforces : A person shall not furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. Moreover, 15 USC 1681e requires : Every consumer reporting agency to maintain reasonable procedures designed to avoid violatio
ns of Section 1681c and limit the furnishing of consumer reports to permissible purposes. 

It is evident that Equifax and XXXX are failing to uphold these obligations. Lastly, under 12 CFR 1016.7 : A consumer may exercise the right to opt out at any time. 

I am now exercising my right to opt out of your reporting services, effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint as my other complaints against the credit bureaus and XXXX XXXX  continue to be ignored. I was just again refused credit because of a low credit score XXXX though every credit website including the credit bureaus themselves and XXXX XXXX report my score 100 points lower an sahow graphs of my score falling steeply when the only changes were the removal of three negative items. I continue to read about other consumers who have had this happen to them all over the internet. Then they are offered ridiculously high payments on everything and people cant get out of this trap. It is sick. Making over 50000 I can barely afford a place to live because my car payment and insurance is so high and because my score is so low despite paying high interest loans and credit cards on time having no glaring negative remarks and having others removed as inaccurate. I tried using this complaint form to complain against the credit bureaus and XXXX XXXX and only XXXX said anything offering some ridiculous gibberish explanation about various scoring models. Tell in what model are negative items removed and replaced with a lower score by 100 points. Why can I not get any answers. What does this company do when companies ignore complaints? Is there any way to mitigate this or is it a waste of time for me to try and work to support myself and my kids because arbitrariy decisions will be made that prevent me from even being able to afford a place for us all to live. I would be better off not working at all and being reliant on government assistance. Is there absolutely anyone who reads this and helps? 
Also now Im paying money to XXXX XXXX  every month in true hopes that we could move somewhere better but that also seems seriously impossible at this point and they have done nothing but take more money from me. Credit scores are a racket. My cousin who went bankrupt has no issues versus me who has never just abondoned my bills.
Product: Debt collection

The XXXX XXXX XXXX XXXX agency is calling me numerous times a day at both my personal mobile number and my workplace. They are calling regarding account # : XXXX, regarding a claimed student loan debt. I received phone calls after I explicitly stated my workplace prohibits me from receiving such communications. I am receiving daily calls, and as of the last XXXX days, I am receiving XXXX calls a day, some with messages left. I called them back today at their number XXXX and explained I am now within my rights to file a complaint with the Texas Attorney 's General 's office, file a complaint with the Federal Trade Commission pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692c ( c ), and that I intend to send a Notice to Cease Communications Letter today to their address : XXXX XXXX XXXX XXXX. XXXX, CA XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 XXXX XXXX contacted me regarding concerns of a credit card application that I was not aware of. They did not issue the card. Credit check was done. 

XXXX XXXX XXXX XXXXXXXX did a a credit check and issued a credit card that I did not apply for. XXXX XXXX XXXXXXXX have now closed the account. 

My credit score is being affected by these inquiries and card issuance.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account and charge offs. This account is hurting my ability to obtain credit. it's my understanding that TransUnion will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate. 

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. it is illegal to report information on my credit report without my permission. Please remove this item frm my credit report. 

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

XX/XX/2024 I sent a letter to the United States Bankruptcy XXXX XXXX XXXX XXXX Indiana inquiring was it their method of reporting bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 any such items of information. However, such information shall not include specific factual information on a consumers 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 from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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

XXXX XXXX and XXXXXXXX XXXX  sold XXXXXXXX XXXX fraud, corrupted and scandal VA Loan to Round Point to collect and foreclose my home. 
In which on XX/XX/XXXX till present VA Loan is a fraud in which XXXX XXXX was notified and they still accepted the fraud, Scandal and corrupted VA Loan from XXXXXXXX XXXX of Texas on XX/XX/XXXX. 

First Round Point investors is trying to collect {$260000.00} from me, because Texas collection Laws defends and supports billionaires lenders like Round Point. 

If lender wants to settle and get the house back, they can just provide me what I have stated on various file complaints. 
XXXX XXXX, XXXX homes builders, XXXX XXXXXXXX XXXX and now new Va lender Round Point Mortgage are are Discriminating, Retaliating and Harrassing me because of my Military Veteran and XXXX status. 
I am XXXX, Retired .Divorced since XXXX and I leave alone in my home since XX/XX/XXXX till Present.
Product: Money transfer, virtual currency, or money service

I have received two text messages from XXXX. today. One was around XXXX and the other around XXXX XXXX XX/XX/2019. I have asked them to stop and they won ; t.. Unfortunately I do not have a block option on my phone ... They won ; t stop. Can you please help me??
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and found fraudulent accounts that I did not open and do not recognize. These fraudulent accounts have been listed on my credit report. I request the removal of these accounts from my credit report as they are negatively impacting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was a victim of a fraud scam that occurred on XX/XX/2018. 
The scam involved me sending an unknown recipient money via the XXXX app associated with my XXXX checking account. A total of {$830.00} was lost to the scammer. 
At the time, I had a balance of {$0.00} in my XXXX account because I had moved to a new location that didnt have any XXXX banks and therefore transferred all of my money to a different bank. 
The scammer sent me a bad check for {$1300.00}. I cashed it at XXXX. The {$1300.00} showed up in my account. I then sent {$830.00} of that money to the same person. Then the check came back as bad and I was left with a negative - {$830.00} balance in my XXXX bank account. 

I reported the incident to my bank, XXXX. I also filed a police report. 
XXXX sent me a letter in the mail saying that my situation was not considered valid as fraud and they would not be paying the - {$830.00} balance in my account. They also charged me tons of late fees on the negative balance and then, after two weeks, closed the account. Blacklisting me from opening up any new bank accounts with anyone else in the future. 
During a phone conversation with a XXXX Escalation manager, I asked why my situation was not considered a valid fraud and was told theres no way we can prove that you didnt just send the money to a friend. This is a lesson you need to learn. Its only {$830.00}, you can make payments on it. We cant make an exception for you because if we did, the feds would come after us. We cant make an exception for you because if we did, youd go and tell all your friends about it, theyd try to get away with the same thing and we would go bankrupt. 

The man I spoke to said I dont think anyone at XXXX would believe you were trying to scam us out of money. But theres no protection for this. Its a very common scam that happens to hundreds of people a day. 

My complaint with XXXX and XXXX, Which is the app that was used to send the money, is that there were no protections in place for this very common type of fraud. Why was a {$1300.00} check cleared that later determined to be bad? 
Why was a transaction of {$830.00} allowed to go out from an account that had no money in it and why wasnt I alerted? If this scam is as common as I was told it is, why arent there protections in place by both the bank and XXXX? 
People put their money in banks to keep it safe. And banks are using a money transfer service that has less buyer protection than XXXX. I would have better safety making my transactions on my own.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX is inaccurately reported. 

XXXX shows that my payments on this account were made on time, while the others incorrectly indicate that I missed a payment. I have never missed a payment on this account. 
According to Section 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. As per the FCRA, I expect this matter to be resolved within the statutory 30-day period. Please notify me of the outcome of your investigation.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XX/XX/year> Account Name : XXXX XX/XX/year> Account Name : XXXX XX/XX/year>