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

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report i noticed an account that is listed under MEDICAL. Under hippa my medical information is protected. This same account is being sold time after time. I feel violated in the worse way possible. Where 's the medical release form? Why does a third party collection agency have my information? Equifax needs to furnish me with a medical release form or remove these accounts. I AM NOT ASKING FOR VERIFICATION OR VALIDATION. I take my privacy and my rights serious. I will also be filing a lawsuit against the original creditor that sold this debt. 
XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX
Product: Debt collection

I have had a collection reappearing on my credit report that was settled through in house financial aid at the facility this debt originated from prior to any collection or charge off appearing on my credit. This is a bad debt that has been shopped to many collection agencies and is becoming an extreme burden to the point of harassment for me to continuously be finding illegitimate debts appearing in the form of collections on my credit reports at all the reporting agencies. This is a debt that I have had to have removed from all of my credit reports from all XXXX agencies and again am put into a position where I must dispute information on my reports which I have already had previously removed. This being the fifth time I must dispute this same bad debt. Upon attempting to dispute on this occasion Phoenix Financial Services has made it increasingly difficult for me to dispute this debt as they have three times over confirmed to XXXX that the debt they claim I owe is current, active, and legitimate. This is not true. This is extremely tedious and something I should not be forced to do seeing as though this bad debt should not be allowed to be continually allowed to be reinserted into my credit file. The same debt continues to appear on my report from different collection agencies ; sometimes even the same collection agency with slight different names or names with acronyms instead of the full company name. These are dishonest practices. This has come to an extreme point where I feel it necessary to involve an outside agency in hopes this debt will not keep unacceptably reappearing on my credit reports. Attached to my precious complaint against XXXX you will find a picture of a communication from the original creditor evidencing that I in fact owe {$XXXX} associated with this original debt that incorrectly keeps reappearing on my credit reports.
Product: Checking or savings account

I lost my car last month due to a total loss which was not my fault. I continued to make my car payments due to being under the impression that prior to knowing that info, my car was being fixed. I reversed THREE of those payments through CHASE. Last week, one of the payments ( which happens to be the one that was the MOST ) {$310.00} was charged back to my account. Ive called over 10 times and have had to wait HOURS to be told XXXX. I sent in proof on that payment ^ which I shouldnt have done bc for one, it was not requested w the other two. Im tired of this bank. They are thieves and I want my money back. I got paid Friday and that {$310.00} came out of my check and all the reps want to do is be rude and tell me I have to wait patiently for a case to be opened and to get MY money back. Do not bank with Chase. Go elsewhere, this is ridiculous that I have to go this far to resolve an issue with MY money that should have never been taken back from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent, b y USPS cer tified mail, a dispute and request for validation of negative information reporting against my SSN to Transunion on  XXXX / XXXX / 17  and  XXXX  on  XXXX / XXXX / 17 . The request clearly stated that a generic response that the information was verified would not be acceptable. I asked that they provide me with the documents they have in their files to verify the validity of the information they are reporting. I have the right to demand this information under the Fair Credit Reporting Act , 15 U.S.C. 1681g. I also demanded that under the FCRA 15 U.S.C. 1681i, all unverified accounts to be promptly deleted. My request was ignored and Transunion and  XXXX  responded to my request saying the accounts in question were " verified '' without providing me any proof of verification or copies of documents to support their claim. Transunion and  XXXX  are in direct violation of the Fair Credit Reporting Act. The Credit Reporting  Agencies have an obligation to uphold these standards and be in compliance with all applicable laws and regulations and they have failed me as a consumer.
Product: Vehicle loan or lease

I started a loan with Capital One Auto Financing in XX/XX/XXXX. My loan payment amount is {$580.00} due monthly on the XXXX of each month. From my very first payment to now I 've paid {$600.00} on the XXXX of every month. I called cap one in XX/XX/XXXX to find out my payoff and learned I still had almost XXXX left to pay my car off. I then decided to make 2 payments a month to hurry up and pay off loan. After two months of making {$1200.00} additional payment I called and ask for new pay off. Then I learned the additional monies had not been credited as explained by customer service assoc. I then called XX/XX/XXXX and requested the additional payment scheduled for drafting the XXXX of each month be cancelled, CONTINUING MY PREVIOUSLY SCHEDULED DRAFTS WHICH IS THE XXXX OF EACH MONTH. They said ok, They didnt draft the additional payment in XX/XX/XXXX but resumed the addt'l payment in XX/XX/XXXX. I called and told them I had requested that it be stopped in XX/XX/XXXX and requested a refund for the XX/XX/XXXX payment. That 's when they told me I would be delinquent. I asked how when for 4yrs I had been making my payment the XXXX of each month never late, why when I request that my original request for the additional be stopped Im late. They said it 's theway funds had been distributed. I have included attach to verify I have never missed a payment I pay ahead of time along with an additional few dollars. I have been receiving threating calls. The lastest one was yesterday threating to repossess my vehicle unless I make good of my loan. My loan is good I am required to make a {$580.00} payment each month not {$1200.00} My loan acct # is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for this account : XXXX XXXX XXXX Balance : {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

For the credit card issued by XXXX XXXX XXXX, ( 1 ) Give me the details of all answers submitted by your employee named XXXX, for issuance of this credit card. It is my information and therefore it is my right to know my own information, which have been submitted not by me, but submitted by the bank employee. ( 2 )  Even after around 10 months of credit card usage, my XXXX score is still not available. See attached XXXX score screenshot, clicked in my XXXX  XXXX XXXX 's mobile application. I have complained many times to branch at XXXX XXXX XXXX, CFPB, bank 's customer care, Bank 's credit card department but nothing worked out as XXXX XXXX XXXX is extremely busy to practice illegally and with no business ethics. Bank 's motto seems to cheat new customers on the fake promise of good service. Once the prey signs the document, no one listens to that victim customer because the motive of cheating is achieved. And this way, I am still not getting my XXXX score as no one listens to my complaint in XXXX XXXXXXXX XXXX. Kindly give me the details of all answers typed by the XXXX ( XXXX  XXXX XXXX employee ), because I am sure he must have done some blunder and therefore even after using credit card for around 10 months, paying the bills on time every month, my XXXX score is not available anywhere.
Product: Credit card or prepaid card

I have a {$75.00} debit gift card issued to me by my employer. ( XXXX XXXX ) When I tried to use the card it asked for a pin number. I do not have a pin number. I tried calling the numbers on the card. XXXX and XXXX on XX/XX/XXXX at about XXXX in the XXXX. The person I spoke to asked for my work address. After giving them my complete address they still would not give me the pin number. Card has an expiration date of XX/XX/XXXX.
Product: Debt collection

On or about sometimes in XX/XX/2020 i submitted a dispute into a credit card from XXXX XXXX XXXX # XXXX Sold to Afin collection Agency. On XX/XX/2020 Afni completed its investigation in to my dispute # XXXX, Ruled the account as fraud due to Identity theft. Till this date the company still have not sent me a letter confirming the account has been resolved in my favor. Which is in violation of my due process rights per the FCRA where the complaintant be aware of the company disposition.
Product: Credit card or prepaid card

See previously submitted dispute below. Bluebird has still never contacted me by mail or otherwise to initiate the dispute of a fraudulent XXXX charge. I need this XXXX charge reversed today. This is ridiculous. 

XX/XX/2020 Bluebird Customer Care, XXXX. XXXX XXXX, XXXX, GA XXXX. RE : Family Account To whom it may concern : I am writing to dispute the XXXX XXXX  charge that appeared on my sons family account. He did not make this charge and we have been trying to get a hold of your fraud department for weeks, on hold hours at a time, to dispute this. And, you do not make your mailing address easy to find. I have several American Express accounts and have been pleased with them, but you have completely dropped the ball with this product. You need to give serious though to your customer service with regard to Bluebird cards. Your inability to take care of this fraudulent charge is ridiculous, even given the circumstances. You should allow us to dispute fraud on the website. What if this had been a fraudulent charge for more than {$9.00}? That could be devastating to someone. ***Please immediately dispute and reverse the {$9.00} XXXX charge, which posted on XX/XX/XXXX. We have already cancelled that card and requested a new one through our account on the website.
Product: Mortgage

Hi! I would like to know if there is a statute of limitations for the OCWEN Settlement ( XXXX XXXX XXXX ) since I was never notified by the law firm though I should have been notified and included in the class. Please let me know. I would love to hear from you. Best Regards, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was misled by a XXXX XXXX rep that if I did a wire transfer from my XXXX XXXX account online profile to my cash app checking account that I would receive my funds instantly. However after submitting my wire transfer of {$250.00} from XXXX XXXX Unemployment Prepaid Checking account to my cash app account on Thursday XX/XX/2021, my funds are still not available to me on cash app account on Friday XX/XX/2021. 

Also I have a refund for The XXXX XXXXXXXX XXXX XXXX for a hotel reservation that I booked and canceled on Tuesday XX/XX/2021 in the amount of {$120.00} that was suppose to have been refunded to My XXXX XXXX Unemployment prepaid card has not been issued. I spoke with XXXXXXXX XXXX numerous times they have informed me that this hold along with 2 others will not released or added back to my account until a month for now. 

XXXX XXXX refuses to help me cancel the wire transfer of {$250.00} dispise the fact that I was misinformed hot to obtain my money instantly by one of there employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom this may concern, accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681c ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting or other personal consumer reports

Dear Equifax Fraud Department, This letter marks my fourth attempt to have the fraudulent XXXX account ( # XXXX ) removed from my credit report. I have provided the necessary documentation, including an FTC Identity Theft Report and a local police report, yet the account remains listed. It is important to note that both XXXX and XXXX have successfully removed this account from their records, highlighting your failure to address this matter appropriately. 
In my previous dispute, I specifically requested that you furnish your complete " verification '' process, including all documents associated with this account, especially any that bear my signature. To date, you have not provided these documents, which raises further concerns about your compliance with the Fair Credit Reporting Act ( FCRA ). 
I am a victim of fraud, and your continued reporting of this account is not only inaccurate but also a violation of several FCRA provisions. Your actions have caused harm to my creditworthiness, resulting in the recent closure of a legitimate account based on the false information you continue to report. 
Additionally, pursuant to FCRA 15 U.S.C. 1681, I did not give Equifax written consent to furnish or obtain my information in relation to this fraudulent account. Your unauthorized actions are a clear violation of my rights under federal law. 
I demand that this account be permanently removed from my credit report upon receipt of this letter. Failure to act promptly will leave me no choice but to seek legal remedies to ensure compliance with the law and to address the harm caused by your negligence. I have also filed complaints against your company with the North Carolina State Attorney Generals Office as well as the Consumer Financial Protection Bureau. 
I expect your immediate attention to this matter and a written confirmation of the accounts removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the information reported regarding the charged-off account with the reference number XXXX # XXXX, XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  # XXXX,. The discrepancy arises from the differing last active dates reported by TransUnion and XXXX, which has led to confusion and inaccuracies on my credit report. 

Upon reviewing my credit reports, I noticed that TransUnion has listed the last active date as XX/XX/2021 ( 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 ). This inconsistency has raised concerns regarding the accuracy and integrity of the information being reported, potentially affecting my creditworthiness and financial standing. 

I kindly request that you thoroughly investigate and rectify this matter promptly. I expect the credit bureau to conduct a comprehensive review of my account information and make the necessary corrections to ensure that the reporting is consistent and accurate across all credit bureaus. 

In accordance with the Fair Credit Reporting Act, I am formally requesting that you provide me with a written explanation of the steps taken to resolve this dispute. Additionally, I request that you provide me with a corrected copy of my credit report reflecting the accurate and consistent last active date for the account in question.
Product: Credit reporting or other personal consumer reports

I have two bankruptcies reported on my credit report. I reached out to XXXX XXXX and they wrote me back stating they did NOT give my information to anyone. So I am asking for those two inquiries/reports to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on CAPITAL ONE BANK USA NA XXXX Balance {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone put a credit card in my name without my consent and it decreased my XXXX XXXX
Product: Debt collection

Please Help! Capital One has furnished a charge-off on my consumer file that does belongs to me. As stated before I never authorize this account. I have attached a copy of debt validation Exhibit A. Exhibit B a letter from Capital One stating that the account in question was taken over the phone or the internet. Exhibit C and FTC report, Exhibit D a letter from Capital One stating that they are closing the account. Exhibit E is a letter from Capital One stating that they will be forwarding my fraudulent application to their fraud department which they never did. Exhibit F is a cease and desist letter to Capital One which they continue to violate. Capital One just placed an account on my consumer file with the attempted to ruin my credit worthiness without being able to validate.
Product: Debt collection

The account was closed XXXX. We hired a creidt couseling agencies. The debt was paid off in XXXX. 

I recevied a phone regarding a unpaid debt. I have no knowledge of this debt. The representative stated I made a payment in XXXX. I ask for verifcation. I have not received a response. 

The phone call are non-stop everyday. I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

ive requested proper debt validation based on section 609 of the fcra with no feedback and its been beyond 30 days ago violating fcra 611 also violating fdcpa policy theses companies continue to say the debt is valid with no physical proof in any way this is illegal and im in definite need of help please thanks
Product: Credit card

Capital One charged me interest and late fees on top of an annual fee XXXX {$59.00} XXXX for a credit card. They reported me to the Credit Bureau for not paying the {$59.00}, but also reported me for fees and interests ( {$26.00} XXXX for a total of {$82.00}. Charging interest and fees on top of an annual fee is illegal. Supporting documentation is attached. Because I am refinancing my home, the ding on my credit hurt me. They said they would fix it, but that it would take 30-60 days for the Credit to be repaired. Since interest rates are rising, I might now qualify for a lower interest rate now due to the ding on my credit, which could cost me thousands of dollars in the end. I asked for a letter stating the matter had been reversed with the Credit Bureau but they would n't give me one.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my concern pertaining to the recent lawsuit filed by the Consumer Financial Protection Bureau against XXXX for failing to properly investigate consumer disputes. I filed complaints XXXX of 2023 and i haven't received any form of details as to results from the investigation. 

As a consumer who has experienced issues with XXXX handling of credit report errors, I am deeply troubled by the allegations that XXXX conducted " sham investigations '' and failed to remove or reinsert errors on credit reports which they have violated 15 USC 1681 ( i ). 

The accuracy of credit reports is crucial for consumers ' access to credit, employment, and housing and primarily mode of living. When consumers like myself dispute errors on their credit reports, we expect a thorough and fair investigation. However, the CFPB 's lawsuit suggests that XXXX 's procedures are inadequate and do not comply with the Fair Credit Reporting Act. This has serious implications for consumers who rely on accurate credit reports to make important financial decisions. 

I urge the CFPB to take strong action to ensure that XXXX and other credit reporting agencies adhere to the FCRA and conduct proper investigations of consumer disputes. Consumers deserve transparency, accuracy, and fairness in the handling of their credit information. 

Thank you for your attention to this matter. I look forward to seeing improvements in the way credit reporting agencies handle consumer disputes. 

Sincerely, XXXX XXXX