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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico 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 and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. 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 negative account 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 3 different letters to Experian, ( different accounts ) that they signed  for on XXXX XXXX. Experian only responded to one of my letters, and never responded to the other two. I sent out a failure to respond letter that  was delivered to them on XXXX XXXX along with copies of each letter I sent, a copy of the one response they sent and all 3 copies of the certified tracking slips. Ive submitted complaints about how Experian has violated the FCRA by not inputting notice of dispute as well as failing to perform a proper investigation into my disputes. I recently received an updated credit report with no changes! Why were these accounts not handled properly. Experian failed to respond within the allotted time, however they still did not take the proper steps to rectify their mess up! Last time I made a complaint Experian responded they could not look into the situation because they were not sure I was who I claimed to be.
Product: Credit reporting or other personal consumer reports

In 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. 

Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Inaccurate Account Information Account Number : XXXX Dear XXXXXXXX XXXX XXXX, I am writing to formally request the removal of the account listed above from my credit report due to inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ). 
Upon reviewing my credit report, I found the following concerning issues with the account : Inaccurate Status Reporting : The account is currently listed as " charged off, '' which is misleading. If the status of this account does not accurately reflect my payment history or any settlements made, this is a violation of the FCRA 's requirement for accurate reporting. 
Incorrect Balance : Your records indicate a balance of {$33000.00} as of XX/XX/XXXX, which does not accurately reflect my payment history. If there have been payments made that are not being reported, this misrepresentation could harm my creditworthiness. 
Failure to Update Information : The status was updated in XX/XX/XXXX, and the balance was updated later in XX/XX/XXXX. This delay in reporting timely updates violates the FCRA guidelines, which mandates that creditors must provide accurate and promptly updated information. 
Excessive Reporting Duration : As this account is set to remain on record until XX/XX/XXXX, I would like to point out that negative information should only remain on a credit report for a maximum of seven years from the date of first delinquency. If the account was charged off in XXXX, it should not be reported beyond the seven-year limit. 
Given these discrepancies, I request that you investigate this account and remove it from my credit report. Should you find that these inaccuracies are indeed present, I expect a prompt correction and written confirmation of the removal. 
Please respond to this request within 30 days to comply with the regulations set forth by the FCRA. I appreciate your immediate attention to this matter and look forward to your prompt response. 
Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

Ive Been In Contacted With XXXX & Experian Since XXXX XXXXXX/XX/year> regarding A Public Record Listing A Case XXXX XXXX I Personally Search This Public Record From Third Party Pacer Whom Supposedly Housing This Information. 

In Doing So I Found There Is No Record Of This Case # & It Is Inaccurate! 

Ive Contacted XXXX XXXX Experian For 8 Months Disputing This Information! 

Ive Disputed With CFPB Several Times! 

Each Time XXXX XXXX Experian Responds Is Results Will Be mailed. 

Each Time The Mailed Results Are Generic GENRATED Letter Stating Account Was Verified As Accurate With No Proof On How?! No Procedures Or Information On How They Came To This Conclusion?! 

XXXX XXXX Experian Are Violating My FCRA Rights FCRA Section 611 Part ( A ) ( 1 ) Credit bureaus if they fail to respond to your written disputes within 30 days a 15 day extension may be granted if they receive information from the creditor within the first 30 days ) FCRA Section 604 ( A ) ( 3 ) Creditors if they pull your credit file without permissible purpose FCRA Section 605 ( c ) Running of the reporting period Creditors or collection agencies, and credit bureaus if they try and " Re-age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer Attachments : Proof XXXX XXXX Deleted Account Proof That XXXX XXXX XXXX XXXX Is Not Reporting To Credit Bureaus ( My Letter To Court ) Furnisher Whom Supposedly Is Verifying This Information XXXX XXXX XXXX XXXX Responds Proof That Case XXXX XXXX Is Inaccurate So HOW Is The Credit Bureaus Verified A Public Record With A Inaccurate Case XXXX
Product: Debt collection

In XX/XX/XXXX XXXX XXXX XXXX  ( XXXX  ) charged me for services connected to the care of my minor child. The charges were incurred due to inadequacies on the part of XXXX. Specifically, my child had XXXX, and the charges for the XXXX  are a " global rate '' to include a required XXXX follow up office visit. These rates are contracted rates between the service provider and the insurance carrier, but there are timeframes in which the service provider is to arrange the follow up visit. XXXX  intentionally pushed our follow up appointment outside of the scope of that timeframe, citing that due to the XXXX XXXX holiday, various doctors were going to be out of the office, and that they needed to push us to their next available appointment time. I explicitly discussed with them at the time the appointment was set, that I would accept the later appointment time, with the understanding that we would not be pursued for any financial difference beyond our obligations connected to the XXXXXXXX XXXX global rate. The appointment occurred, we carried on as normal, and for nearly two years since it has been a battle over a lousy co-pay for that follow-up office visit. They were paid for the visit by the insurance outside the global rate, however they are still trying to collect the copay from me despite that I explicitly addressed this issue before it even occurred. Without substantiating my dispute claims, they then turned the account over to collection agency " Rev MD Partners '' who has contacted me on repeat occasions " in attempt to collect the debt ''. I formally disputed the debt with them in writing on XX/XX/XXXX and have not been provided any further substantiation of the debt, yet they have reached out to me by mail and by phone with continued efforts to collect. Each time I have addressed the situation, and each time I am met with assurances that they do show the balance in their system to be disputed and that no further collection action will be taken - but that ultimately results in a subsequent phone call, or letter, to which I proactively call them to discuss said letter. The debt has never been substantiated subject to the nature of my dispute. By REV MD 's own admission ( recorded phone call ), XXXX has not responded to their efforts to contact THEM related to my dispute. Under the FTC guidelines and Fair Debt Collection Practices Act, no further collections contacts or actions can occur until this happens. I am unfamiliar if there is a timeframe at which point a dispute must be validated for lack of response from the creditor - but I do know that it is inappropriate for me to have to keep investing hours and hours out of my own day ( during my working hours while they're open ), to tend to this ongoing unresolved issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very stressed out as I found accounts that are not mine. I do not recognize these accounts and can not understand why they are here in my credit report. Could you please make identification of this problem and check these items because I am very confused and can not understand what to do. I am worrying about my credit score as I am planning to move forward financially. Please after you check find out how I can resolve this situation with my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit companies aren't respecting the laws of FCRA. I had an inaccurate and negative account removed from my credit report and it was reinserted without notifying me nor did they send the notification in writing within 5 business days of the reinsertion. This is in violation of 611 ( b ) ( ii ) and this needs to be removed from my credit report. The companies also aren't consistent with their reporting. I disputed an account and it was removed from one credit bureau ( Equifax ) for its inaccuracy and false reporting, but the other 2 ( XXXX  and XXXX  ) aren't removing the account. There are also unauthorized inquiries that are still reporting after numerous disputed attempts. Please help resolve these issues so I can start to build my credit and work towards getting my family a house. This is unfair. Attached are the letters Ive sent to the companies, well over a month ago, along with my ID and proof of address for identity verification.
Product: Checking or savings account

The creditor is saying an amount that I dont know of. Address that are not mine on account. Please verify debt.
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. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXXXXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Im filing a complaint against cash app { Block inc } due to inadequate c customer service and unfair practices, which violate the consumer Financial Protection act ( CFPA ) Specifically. Cash app failed to take timely and effective measures told prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Also their dispute resolution process 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: Mortgage

My son and I received the XXXX Mortgage Interest Statement-Form XXXX from Suntrust Mortgage , Inc. We noted in Block # XXXX that it reported {$5200.00} as " Mortgage interest received from payer/borrower. '' We noted that the XXXX Mortgage Interest Statement reported {$4700.00}. After making all payments in XXXX and the principal on the loan reducing, we do not understand how the interest paid increased from XXXX to XXXX when the principal decreased. By letter dated XXXX XXXX, XXXX to Suntrust Mortgage Inc., I requested a complete and detailed explanation as to why the interest paid on the loan increased when the principal decreased. So far no response! Phone calls to Suntrust have been unproductive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian and requested information in which I have yet to receive a response. Experian is in violation of my rights as a federally protected consumer.
Product: Student loan

CCFPB complain XXXX closed without being resolved. Left feedback on complaint, but filing another complaint to re-open original issue. Loan shows as in forebarance until XXXX. I did not request forebarance. Unable to make auto payments or voluntary one off payments for any of my loans, but they continue to accrue interest. Website not working and customer service non-responsive with exception of response to initial CFPB complaint. Can not get statements showing interest accruing and accounbt showing no payment due, but principle plus interest accruing at a rate of over XXXX XXXXMonth and no ability to make any payments against my student loans. I want to see this fixed, a nd want all accrued interest since repayments restarted refunded under the ffederal program for servicers that are still not operating properly under their contracts. THis is frustrating and I am going deeper in debt, even though I have the resources to make payments and pay interest plus each month. I have screen shots of everything and outside of the original CFPB response, it is impossible to get through to Aidvantage customer service or get a response in any timely manner. this is FRAUD!
Product: Debt collection

This is in reference to complaint XXXX on XXXX XXXX Experian said that it has deleted the 2 " XXXX '' Accounts. On XX/XX/XXXX as shown in the document attached the accounts were deleted from the account. But on XX/XX/XXXX the " XXXX '' accounts were illegally put back on my account which violates 15 U.S. Code 1681e - Compliance procedures
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of negative account reported on my credit file that are injurious to my creditworthiness. This alleged account, " XXXX XXXX XXXX  '' have been reported in violation of multiple federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act. 

In accordance with the Fair Credit Reporting Act, Early Warning Signs has violated my federally protected consumer right to privacy and confidentiality under the 15 USC 1681. Early Warning Signs has violated my rights pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Based on 15 USC Code Section 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt. Under 15 US Code 1681c ( b ) and 15 US Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Pursuant to 15 USC 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish accounts without my written instructions Legal Violations : 1. Violation of FCRA ( 15 U.S.C. 1681c-2 ) : Under this statute, a consumer reporting agency is required to block the reporting of any information resulting from alleged identity theft within four business days of receipt of such notification. This obligation has not been met concerning the disputed accounts. 2. Violation of Privacy Rights ( 15 U.S.C. 1681 ) : These accounts have breached my federally protected right to privacy and confidentiality. Specifically, 15 U.S.C. 1681, Section 602 ( a ), guarantees my right to privacy, which has been infringed upon by the continued reporting of this account without my consent. 3. Unauthorized Disclosure ( 15 U.S.C. 1681b ) : According to 15 U.S.C. 1681b, a consumer reporting agency can not furnish accounts without my explicit written consent.

My permission has not been granted, making this reporting unauthorized. Demands : Removal of Accounts : I demand the immediate deletion of the account listed in my previous communications from my credit file.

Blocking of Transactions : Per 15 U.S.C. 1681c-2, you are required to block these transactions from being reported within four days from the receipt of this notice. Additionally, under the XXXX XXXX : No Disclosure of Information : You do not have my permission to share any nonpublic personal information with nonaffiliated third parties or affiliates. 
Opt-Out of Marketing : Please remove my name from all marketing lists and databases. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of the notice. 

Please address these issues promptly, as failure to comply will result in further legal action to enforce my rights under the applicable federal laws. I expect a response confirming the removal of these items within the required time frame.
Product: Money transfer, virtual currency, or money service

My identity was stolen on XXXX/XXXX/2020 by someone that I was dating for XXXX month. While I was sleeping they transferred {$1300.00} through my XXXX to someone that I dont know. This person that stole the money hacked into my phone and changed my PIN number to my account and sent the money. My chime card was attached to my XXXX and they person that stole the money did test transactions to see if the money would go then transferred the rest. I contacted my local police department, Chime, XXXX and filed complaint with all 3 credit bureaus. Chime and XXXX basically said that the transaction wasnt in error even though I sent them all the information from the case. When Chime tried to get the money back from XXXX thats when they closed my account and stated that I violated there policies. Chime based there decision on where my card was located and where my PIN number was located. They didnt even look at the police report nor the information from the credit bureaus.
Product: Debt collection

I received communication from XXXX Collections company, regarding an owed debt to XXXX XXXX. Upon my return call, I asked what the debt was and they informed me that it was for a rental house in XXXX, Texas. I don't live in XXXX or even the county of where XXXX is located. I informed them of how Long I've lived in my city. They let me know that I would need to fill out fraud paperwork with them. They sent me the packet and also strongly encouraged me to file a place report. Which, I have done. So far, my name was the only thing used. Not my social or bank information.
Product: Credit card or prepaid card

First off I want to say I have tried reaching out to the agency any they refuse to rectify the issue. I would like this removed from my credit report as this account was added due to no fault of my own. 

On XX/XX/XXXX of 2019 I was notified that my first payment with Citi bank had been returned for ISF. I have had the account open since XXXX of 2019. Upon further review I found out my payment was returned because my personal banking account info had be breached by fraud. So I reached out to Citi bank Friday XX/XX/XXXX and notified them of the incident and that I would like to make a payment arrangement/ promos to pay for the following week. I also notified them since my account was fraud Ed please do not attempt to debit my account again until I can get my account situation. I was assured by the agent that no attempts would be made to charge my card again until I called to make a payment. The next week I sat down with a bank agent to go over my account and sort out all of my fraud charges. But she asked me had I stopped all payment from coming out of the account I said yes. But looking at the account from last Friday to Tuesday I was negative XXXX and all those XXXX returns fees came from Citi bank. I could not understand why they tried to charges my account a total of 7 times and even at the time of my bank visit another charge was taking place. I immediately called and asked why they did this when I did not give them permission to charge my card. They claim that they only attempted 2 charges because its a automated system. But even the bank agent spokesperson asked where did the 4 additional charges come for. The Citi bank rep then disconnected my call. Trying to reach another agent resulted in a 45 min wait. But was hung up on again. In XXXX I did not make a payment at all stove the fraud left my personal and business account drained in XXXX I paid on my Citi bank card. I had no problem I did a one time payment over the phone. On XX/XX/XXXX I call to pay the remaining balance on my account and was notified the my account had been closed. When I asked why the agent couldnt tell me. I was transferred two times until a manager named XXXX told me my account was closed due to suspicious activity. I asked what does that mean and her exact words were you made multiple payments on you account while it was open. And Citi bank has the right to close any account if we deem it suspicious for any reason. I could not understand y me spliting my bill up resulted in my account being closed. I would pay half my balance owed 7 days b4 the due date and the remainder on the due day. So it was alway be paid on time. And the exact day it closed is the same day I missed my first payment XX/XX/XXXX. I was not notified my account had been closed I was still receiving my regular monthly statements with nothing on the saying closed account.
Product: Debt collection

This company Delta Management keep calling and threatening to take me to court. they constantly calling all day and night. No respect. I asked them to not call me any more. The continue calling. They also calls from different numbers and from private numbers. I don't know them and they said the government sold them my contract to collect education debts. My credit report shows that I don't owe any school, because it had been charged off. Please help.