23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

XXXX XXXX is reporting me 30 days late for XXXX XXXX. This information is inaccurate as I have never made a late payment since acquiring the loan in XXXX XXXX. My bank records show that payments were drafted twice in XXXX XXXX. Additionally, I made an online payment on XXXX XXXX, XXXX. Two payments were drafted on my account in XXXX XXXX. I called Wells Fargo Dealer services and they are only reflecting payment drafts on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. This information is inaccurate and my account should reflect current and one month ahead.
Product: Credit reporting or other personal consumer reports

I am filing my fourth complaint regarding TransUnion LLC and their repeated failure to conduct thorough and reasonable investigations of inaccuracies on my credit report, which violates my rights under the Fair Credit Reporting Act ( FCRA ).

Thave disputed multiple inaccuracies on my credit report across four different rounds of dispute ( three rounds of investigation and one follow-up ). Despite providing sufficient evidence, TransUnion has failed to conduct a reasonable investigation into the following accounts : XXXX. XXXX XXXX The report inaccurately reflects that the last payment was made on XX/XX/XXXX, when in fact, the last payment was made in XX/XX/XXXX, when the account was charged off. This charge-off should not be reported immediately, as it should have been noted as a XXXX late payment. 
XXXX. XXXX  XXXX The account is shown as a credit charged off with a credit limit, which is incorrect, as credit card charged-off accounts should no longer show an active credit limit. 
XXXX. XXXX XXXX The last update on this account was incorrectly reported as XX/XX/XXXX, which is in the future. TransUnion has failed to conduct a reinvestigation on this account despite my requests, causing an unreasonably inaccurate credit report. 
4. Past Due Balance Discrepancy TransUnion reports the past due balance for my XXXX XXXX account as {$5500.00}, while XXXX and XXXX report it as {$5800.00}, causing confusion and inconsistency in my credit report. 
After multiple rounds of disputes, TransUnion has not resolved these issues or provided a valid explanation. Their failure to correct these errors has caused harm to my credit standing. They have not done a proper thorough investigation after multiple times being asked.
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA!

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).

Listed below are the Accounts and Inquiries that are being challenged : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

4th attempt to remove illegal information This complaint is for Lexis Nexis. Everytime I send them a letter in the mail they claim my " identity can not be authenticated ''. No matter how many documents I send them such as copy of my drivers licence and social security card, copy of my current lease, and copy of utility bill which should have been more than enough information to authenticate my identity. So my next step was calling them. When i got a representative from lexis nexis on the phone I informed him that i wanted this bankruptcy removed from my consumer reports because I never gave them or any other company permission to put information on my consumer reports.He told me XXXX sends them this information. Which we all know is a lie. I have contacted XXXX and I have contacted The Bankruptcy Courts and both have informed me that they do not report to credit bureaus and is not responsible for verifying or validating information to credit files. So by you going out and fishing for information you have caused me and my family great hardship. I would also like to add that by lexis nexis going out obtaining my information illegally you have broken the law. 
1. My right to privacy. Lexis Nexis has infringed on my right to privacy pursuant to 15USC 1681 ( a ) ( 4 ) 2. I never gave Lexis Nexis permission to put any information on my consumer report. You need " Permissable Purpose '' pursuant to 15 USC 1681b ( a ) ( 2 ) No permissable purpose/No written instruction. Please remove this bankruptcy from all of your files immediately. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distraught that Transunion has incorrectly reported my payments to XXXX for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have written to Transunion several times for that incorrect information to be removed and to no avail, they neglect my request. And now, I suffer with such negative information showing on my credit report and thus presenting a horrible score that prevents me from growing financially. Consider this complaint as a formal request for removal of the referenced inaccurate information. I have attached PROOF that I paid XXXX  for each month referenced above and I expect Transunion to change the payment status for the XXXX credit card account to Current, never late. I highlighted the proof for easier understanding.
Product: Debt collection

I am writing this formal complaint to express my serious concerns about the unprofessional and illegal actions of IC System Inc. ; reference : ( XXXX ) who have persistently engaged in actions that are in clear violation of the Fair Debt Collection Practices Act ( FDCPA ). 

In particular, the agency has violated the following sections of the FDCPA : 1. Section 806 ( 5 ) : This section prohibits a debt collector from causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. However, the collection agency has been calling me multiple times per day, including before XXXX XXXX and after XXXX XXXX, which is clearly aimed to harass and intimidate. 

2. Section 807 ( 10 ) : This section prohibits a debt collector from using false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Despite this, the agency has threatened me with actions they can not legally take, such as wage garnishment and imprisonment, which is an egregious breach of this statute.

3. Section 809 ( a ) : Under this section, within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall send the consumer a written notice containing various details about the debt. I have yet to receive any such written communication from the debt collection agency, demonstrating a disregard for my rights under the FDCPA.

4. Section 805 ( b ) : This section specifies that a debt collector may not communicate with any person other than the consumer in connection with the collection of any debt. However, the agency has repeatedly contacted my family members, friends, and employer, causing me personal embarrassment and potential professional harm.

The actions of the debt collector have caused significant emotional stress and damage to my personal and professional relationships. The collect reminder does not even include a full list of might rights under federal, state, or local laws. I would like the CFPB to take strong action against the debt collector and to ensure that the company complies with the FDCPA and does not attempt any further action to collect this illegal debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in letters XX/XX/20 and called XX/XX/20 to have unauthorized inquires removed. I never received anything back and when i called XX/XX/20 i was told i could not dispute or have the inquires removed. I reiterated I did not authorize the inquires, they are inaccurate and i have several. Also i said i read online if anything is inaccurate on my credit report i can dispute or have it removed by calling the bureau, i was still denied.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( XXXX ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX  violated the law since they never notified me that I owed a debt prior to sending it to collections. 

They said they notified me by mail, but it was mailed to my past address of the property they knew I no longer lived in since they managed said property. They made no attempt to call or email me to notify me or obtain new address. 

This is the only negative on my credit report. Even if I pay the debt now to the collector, it will not fix my ruined credit score.
Product: Checking or savings account

I have attempted to resolve this issue through citibank to no avail. Therefore, as a final resort before giving up completely I was told to file my complain here in hopes of a resolution and in an effort to prevent someone else from having to deal with this. 

I opened an account on or near XX/XX/XXXX because Citibank was offering a [ up to ] {$500.00} cash bonus for consumers who opened an account, maintained {$15000.00} in combined balances [ checking and savings ] as well as received direct deposit for a period of 60 consecutive days. According to the terms and conditions in the advertisement, the bonus was to be deposited no later than 90 days following having met all requirements for the offer. My combined account balance of {$15000.00} has been maintained since XX/XX/XXXX, and received bi-monthly direct deposits in the amount of {$200.00} from XX/XX/XXXX through XX/XX/XXXX. 

Since then I have escalated this issue through citibank and have received letter correspondance stating that i did indeed meet all requirements, however, have yet to receive the bonus. The 90 days elapsed on XX/XX/XXXX from the time I satisfied all their requirements. Each time i have contacted their customer service department, the story has remained the same, " we're not sure why, all we can do is escalate. '' I will attach photos of both the advertisement and letter correspondance received from citibank to my complaint. 

Thank you for helping me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2020, I disputed multiple fdcpa violations on my credit report and TransUnion has not responded or remedied the situation. Congress states under 15 U.S. Code 1692 ( d ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

These accounts are ruining my reputation and it is also defamation of character.
Product: Debt collection

The XXXX XXXX, my property management company, sent my account to collections for a previous unit i lived in and I pretty much lost access to even see the adjustments after an XX/XX/XXXX move in on XX/XX/XXXX. In XXXX my property manager told me she'd get it to me the next day. Unfortunately I didn't receive anymore correspondance until I received a collections notice on XX/XX/2021, but didn't even get a ledger until XX/XX/XXXX. My fiancee received a collections notice XX/XX/XXXX.
Product: Student loan

I receive paperless statements each month from my student loan servicer, so the servicer has a duty to notify me each month when a new statement is available for me to view. My statements are created on the XXXX of each month and I am usually notified via email by the XXXX that they are ready for me to view. The payments are then due on the XXXX of the following month. In order to avoid accruing additional interest, I typically make payments on the date I am notified that a payment is due, the XXXX. This past month, the servicer failed to provide me with any notice that I had a new statement available to view and that I had an amount due on XX/XX/XXXX ; this is similar to notice mailing a statement to me if I received paper statements and is a violation of Regulation Z. 

I just happened to log into my account this morning because I was wondering if I had an amount due. I was not sure if I had a payment due since I often make more than the minimum payment. However, I logged into my account to clarify this because I had not received any notifications. If I had not happened to log into my account this morning, I would not have made a timely payment.
Product: Credit card

A credit card from JP Morgan Chase was opened in my name and I did not apply for it. I contacted them in their Fraud Services Division and their representative named XXXX said that it will be canceled. I also reported it to XXXX credit reports and declared it as a fraudulent credit card. The account was opened on XXXX XXXX, 2023 for the amount of {$16000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M SUBMITTING A COMPLAINT REGUARDING MY XXXX XXXX ACCOUNT WITH RECENT LATE PAYMENTS REPORTING FOR XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX, AND I DON'T RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS AND BECAUSE OF COVID 19 AND THE HEROES ACT THIS HAVE NOT SHOULD BEEN REPORTED. 


I'M SUBMITTING A COMPLAINT REGUARDING MY XXXX XXXX XXXX XXXX WITH RECENT LATE PAYMENTS REPORTING FOR XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX, AND I DONT RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS AND BECAUSE OF COVID 19 AND THE HEROES ACT THIS SHOULD HAVE NOT BEEN REPORTED.
Product: Debt collection

This company has repeatedly called me during work hours, after hours of XXXX and as early as before XXXX. They have even called me on XXXX XXXX and have been told they are violating FDCPA regulations but refuse to listen. I have recorded phone calls between myself and their reps asking for them to send me proof of claim on debt and have yet receive anything from them on any debt ( s ) they claim to hold.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently received a copy of my XXXX, Equifax, XXXX credit report, I noticed a high utilization posted on my XXXX XXXX Bank account, Your company is in clear violation of the law. Under 15 USC 1681B- permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

THE FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ), the term consumer reportdoes not include- ( A ) Subject to section 1681s-3 of this title, any- ( I ) report containing information solely to transactions or experiences between the consumer and the person making the report ; You have 5 calendar days to either update my credit utilization to 5 or below, or remove all utilization from my report. Credit Card Utilization is an Experience.

If my request is not granted I will pursue legal action against your company for Violating the FCRA.
Product: Student loan

I took out a private loan in 2007 for XXXX XXXX I was granted XXXX XXXX for XXXX XXXX XXXX related to this school as the school is a closed school that also misrepresented itself to students. My loan was originally {$4500.00} and is now {$8100.00} despite making thousands of dollars of payments. My accrued interest is {$11000.00}. 

This seems outrageous to me and I would like to file a complaint. 

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

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received and investigation results. 

The inquiry was not authorized XXXX XXXX via XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXXXXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Creditor : XXXX XXXX XXXX XXXX # : XXXX Late Payment Date : XXXX XXXX I was not a total of 30 days late from the due date in XXXX. 
Please correct the payment status for account XXXX to reported ON-TIME and/or CURRENT payment in XXXX. 

Creditor : XXXX XXXX Account # : XXXX Late Payment Date : XXXX XXXX I was not a total of 30 days late from the due date in XXXX. 
Please correct the payment status for account XXXX to reported ON-TIME and/or CURRENT payment in XXXX. 

Creditor : XXXX XXXX Account # : XXXX Late Payment Date : XXXX I was not a total of 60 days late from the due date in XXXX. 
Please correct the payment status for account XXXX to reported ON-TIME and/or CURRENT payment in XXXX. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Please remove it from my credit report. 


XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXL XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXXXXXX XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022 & XXXXXXXX XXXX XXXX of Inquiry XX/XX/2022
Product: Money transfer, virtual currency, or money service

I am filling a complaint against CashApp ( Block , Inc . ) due inadequately customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

My PayPal account was hacked and money was removed from my bank account. I filed a claim with PayPal and they keep refusing my claim saying it could have been someone else from my household ( I am XXXX years old and I live alone ). While the amount is not large, {$60.00}, someone hacked into my PayPal account and through that my bank account. PayPal refuses to help.