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

In accordance with the Fair Credit Reporting Act, TransUnion has violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978. This entity also violated 15 U.S. Code 6802. Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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. It clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. I have communicated with Equifax, LLC supplying them with the following : Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, un-written, verbal, and non-verbal per 15 USC 6802 ( b ). I do not give you permission to access, use nor house my information, hard inquires, soft inquiries, any collections and or charged off accounts and any such use is in violation of 18 USC 1028A Aggravated Identity Theft. I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency nor notification that Equifax had possession of my information.

Above it all, my name, was part of the data breach, and now I'm challenging the 30-day response time, per 15 USC 1681i ( a ), also challenging investigation protocol per 15 USC 1681i ( a ) 6 ( B ) 3.
Product: Debt collection

I have received " this is a notice to collect a debt '' in regard to Navy Federal Credit Union, informing I have/had debt with them. I requested documentation per 15 U.S Code 1681b, in which I have NEVER received any information or communication from them. I have received a judgment from XXXX XXXX XXXX informing garnishment of wages, on behalf of XXXX XXXX XXXX, whom also did not send or notify me of any alleged debt. NO ONE of 4 parties, including a company of XXXX XXXX XXXX XXXX who also did not send documentation upon request. This alleged debt seems to have gone through several agencies without my knowledge from the original creditor Navy Federal Credit Union, and now XXXX XXXX XXXX are trying to collect and sue me for something I have no knowing of. XXXX XXXX XXXX is also trying to collect debt on an account with XXXX, which was possibly sold to XXXX XXXX XXXX XXXX XXXX in which I had no knowing of either. 

Creditor Acct # : XXXX XXXX XXXX / XXXX XXXX # : XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX ( UNKNOWN AMOUNT ) Creditor Acct # : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$2600.00} Please be mindful, 15 U.S. Code 1692g-Validation of debts and 15 U.S. Code 1692e-False or misleading representations. 

The following bureaus XXXX, XXXX, and XXXX are also in violation of my rights due to furnishing such information upon not verifying in due of the proper channels and procedures. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( a ) and 15 U.S. Code 1681e ( b ) accuracy of report.

All parties will be mentioned in regard to the appropriate account number/info I have thus far. Upon listed on my credit report.
Product: Credit reporting

EXACTLY, how did these lazy derelicts at transunionXXXX and XXXX, verify anything?! # Transunion made a inapt frivolous attempt. WHERE IS MY COPY OF THIS ARTIFICE USED BY THESE PHONY LYING THIEVES AT XXXX?! # Incredible stupidity, lying their XXXX off, amazing how I can NOT find any phony bill that says I owe {$320.00}. These incompetent derelicts lied and/or claimed they made their own whimsical inapt investigation?! # OF WHAT?! # How did you investigate positive fraud __artifice___ ( malice ) and deceit?! # XXXX 's decrepit reputation for being ( worst ) lying thieves from the other XXXX phone providers. PLUS, these corporate XXXXbirds have a current FALSE ADVERTISEMENT ON-GOING NATIONAL TELEVISION!!!!!!!!
Product: Credit reporting

This account was paid in FULL ... this account is being reported with a balance even thjough I paid it to XXXX ( I have a letter from XXXX XXXX XXXX stating such ) This is a direct violation of the FCRA. Please take appropriate action against the credit bureau and XXXX XXXX XXXX!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion several times via mail and through the XXXX XXXX and the company does not provide the proof and the investigation needed to have these fraudulent accounts posted to my credit report on my Transunion credit report. I have sent letters on dates of XX/XX/2022, XX/XX/2022, and XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

A phone call, letter and email was sent to XXXX XXXX to correct a reporting error. XXXX reported to the credit bureaus the wrong balance information causing me to lose valuable point and credit worthiness. 
XXXX XXXX reported that my XXXX ending balance was XXXX plus dollars when it was actually XXXX dollars. Please see attached. As of this date, the problem has not been corrected.
Product: Credit reporting or other personal consumer reports

This account was never given my permissible purpose to furnish this account. Further more they infringed upon my rights to privacy in pursuit to 15 USC 1681 ( 4 ) these corporations have caused damage to me mentally and financially in pursuit to 15 USC 1681 a ( 2 ) ( 1 ) any transaction or experience should be excluded from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX. Three companies ran my credit without my authorization. 

XXXX XXXX XXXX XXXX XXXX XXXX CARMAX  These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act I await your reply. Once you have fulfilled my request, mail me an updated credit report reflectir changes. 

In accordance with the fair credit Reporting act XXXX this company has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer credit plan as late purposes
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 a letter was sent to University of XXXX regarding the alleged debt that they saY I owe. I asked for validation of the date as described in my letter. University of XXXX is the ORIGINAL creditor that has reported the erroneous debt as a collection/charge so I would've assumed they could've validated the debt by providing me the original signed copy that I alleged signed and NOT a list of charges. 

The creditor sent a letter dated XX/XX/2019 and stated that the debt was valid and sent me a copy of account history ( a list of charges ). Also on the letter stated that the debt has been referred to an " outside collection agency ''. The problem with this is that it is double jeopardy. University of XXXX is reporting that I have a balance and a past due amount and not XXXX  account balance since they have sold the debt to an outside collection company. This information would be considered inaccurate reporting, since only ONE creditor can report the debt with a balance.
Product: Debt collection

Sent debit validation and cease desist letter to company. Company reply stating they would submit dispute to remove from consumer report. Collection still showing on consumer report.
Product: Mortgage

We live in ohio and had citimortgage for our mortgage company, not by choice. We live in a city that we feel doesnt have a good school system for our daughtera so we have been paying for XXXX education. In 2012 we had XXXX girls in a XXXX school costing over {$20000.00}. We tried remodification multiple times with CitiMortgage but we didnt qualify for any help whatsoever. Our mortgage was messed up and i had to get the ohio attorney general involved. That same year my husband took a huge paycut and we couldnt make the house payments with our 9 % interest that we could not get help with from citimortgage. After about a year of not paying our mortgage the loan was sold to XXXX. Now our house has been foreclosed and was sold at auction. My questions are multiple. Why didnt we quality for any type of remodification when, according to the president, everyone should have received some type of help? Why would a company purchase a mortgage that was already in default? How can citimortgage have gotten away with doing what they do. I know they have alot of lawsuits against them but i dont have the funds to take them to court and now we are facing eviction from a home that we have lived in for 21 years. I feel we were wronged by citimortgage and if they would have remodified our mortgage, we wouldnt be in this situation. There has to be something done but we cant afford help.
Product: Checking or savings account

I have  XXXX  accounts wit h US Bank.  They processed payments from the wrong account and as a results charged me  XXXX  overdraft fees in an amount of {$36.00} each. I do not have overdraft protection. When I try to dispute transactions made from wrong account they refuse to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I write navy Federal about my account. This account has been reported on my credit report over 8 years and by law is only have 7yeqrs years to report on my credit history.
Product: Debt collection

Received letter supposedly from court filing, but blank without dates, court stamp or judges signature, saying that default judgment has been found against me. This is currently untrue, as their motion for default judgment has not yet been granted.
Product: Debt collection

I have never entered into any contractual monetary agreement with Midland Credit Management. They are stating that I owe them {$1300.00}. I have never had a wet signature contract with them. I am seeking to get this removed as I do not have a contract with them.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting of a late open account and the unjust presence of a charge-off on my credit report. Despite my diligent efforts to rectify these issues, they persist, adversely affecting my creditworthiness and financial standing. 

A charge-off entry has been unjustly placed on my credit report. Despite providing evidence and documentation proving that this charge-off is erroneous, it remains, tarnishing my credit history and impeding my financial opportunities. 

I have made previous attempt to dispute and correct these inaccuracies, providing comprehensive documentation, including payment records and correspondence with creditors, to support my claims. However, despite my efforts, the credit reporting agency has failed to rectify these issues, causing undue hardship and frustration. 

Therefore, I request the following actions : Correction of the late open account to accurately reflect my payment history. 
Removal of the unjust charge-off from my credit report. 
Thorough investigation into the handling of my disputes, including an examination of why the evidence provided was not considered in previous reviews. 
Clear and transparent communication regarding the steps taken to address my complaint and prevent similar inaccuracies in the future. 
I urge your agency to prioritize the swift resolution of these issues to restore the accuracy of my credit report and mitigate the adverse effects on my financial well-being. 

I expect a prompt and satisfactory resolution within the exact timeframe of the receipt of this letter. Failure to do so will compel me to escalate this complaint to the appropriate regulatory authorities and pursue legal action to protect my rights as a consumer. With this, I am asking for your assistance to correct or remove these accounts in my credit file : XXXX  XXXX Balance : {$21000.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 
XXXXXXXX XXXX XXXXXXXX Balance : {$19000.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Checking or savings account

I checked my account mobile app SunTrust and noticed a check in the amount of {$30.00}. This check was a digital check from a company that fraudulently accessed my account. I called the number on the check XXXX the representative said this was XXXX and XXXX busy signal. The check with my named misspelled was not signed or authorized by me was cleared XXXX XXXX. I have no idea who or what XXXX XXXX is or how they obtained my information.It is a mystery what XXXX XXXX actually as a web search produces sketchy results. The company appears to offer mediation for business and customers for a fee. It appearing that SunTrust may be motivated to may have consulted with tis company and the company charged my account by mistake. In the past SunTrust has denied claims in the past with XXXX unrealistic excuses and perhaps this is retaliation for filing a complaint. SunTrust denied a claim for {$27.00} that is completely its fault and another fraud claim back in XXXX for XXXX XXXX who took {$130.00}.
Product: Credit card or prepaid card

I dont agree with the decline reason they are proving me its inaccurate information Im a victim of identity Theft they refuse to process my application for my Costco Visa card telling me I have too many inquiries but experian has confirmed that their are none since Im a victim for identity theft they have been removed I tried explaining this to them but they still wont Approve what a bad experience and application process
Product: Credit reporting or other personal consumer reports

Failure to Correct Inaccurate Information and Unauthorized Account Following Data Breach I am filing this complaint due to the failure of credit reporting agencies TRANSUNION and a creditor/collection agency XXXX XXXX to investigate and correct an unauthorized account XXXX XXXX  ) on my credit report. This account, with a balance of {$68000.00}, was opened on XX/XX/year> without my authorization and is tied to a data breach that compromised my personal information. 

Relevant Legal Context : This situation involves multiple violations of federal and state laws designed to protect consumers personal and financial information : Gramm-Leach-Bliley Act ( GLBA ) Under the GLBA Safeguards Rule, financial institutions are required to implement safeguards to protect consumer data. The failure to prevent the data breach that exposed my information and led to the unauthorized account violates this obligation. 
Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i : CRAs must investigate disputed items and remove inaccurate or unverifiable information.

15 U.S.C. 1681c-1 : Consumers have the right to place fraud alerts and have fraudulent information promptly addressed. 
Despite submitting disputes and evidence of identity theft, the CRAs failed to remove the account or investigate adequately. 
Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g : Creditors and collection agencies are required to validate debts upon request. Despite my formal demand for validation, the creditor/collection agency has not provided proof of ownership or compliance with federal safeguards.

Virginia Code 18.2-186.6 ( State Data Breach Law ) Virginia requires that affected individuals be notified promptly of breaches involving personal information. The lack of sufficient safeguards and failure to mitigate the impact of the breach contributed to this unauthorized account.

Federal Trade Commission Act ( FTC Act ) The failure of involved parties to secure my personal information and notify me promptly of its misuse constitutes an unfair trade practice under 15 U.S.C. 45. 
Summary of Events : My personal information was compromised during a data breach, exposing sensitive details such as my Social Security number and account information. 
Shortly thereafter, the unauthorized account ( XXXX XXXX appeared on my credit report. 
Despite submitting disputes under the FCRA, the CRAs failed to investigate properly or remove the account. 
The creditor/collection agency has not validated the account, as required by the FDCPA. 
These failures have caused significant financial harm, including a negative impact on my credit score and denial of credit opportunities.
Product: Credit card or prepaid card

Hello, My name is XXXX. This complaint is regarding the closing of my store account with Best Buy XXXX Account # ending XXXX ) .On XXXX XXXX of XXXX a bank review was performed, and at that time it was determined by the company to close my account. I have tried for several months to get a better understanding of why the account was closed. I have had this card for two years. In two years, I have been late twice. Once in XXXX XXXX and, the other in XXXX XXXX. I would like to point out due to the status and history of my account, I did qualify and received a reimbursement for the late fee I incurred in XXXX My account limit is {$1000.00} and on XXXX XXXX I made a purchase for {$720.00}, essentially reaching my cc limit with my purchase. However, when the bank review was performed two months later, one of the determining factors was " Due to high limit with Best Buy ''. Other factors included : *Length of time cc history limit established *Use of credit on revolving accout *Balance on account I have called / escalated calls to understand why my account was closed. One rep did say I was considered a " High risk '' but I am not sure how that is the case when I have shown satisfactory payment history for the last 2 years. The only reason I was ever late with them in XXXX & XXXX was due to technical issues I had with getting into my account. Even then, I am not sure how I would have qualified for a late payment reversal if I was high risk?! My main point is this, I have not giving this company any reason to believe I was incapable of paying my debts with them and my account history shows that. In fact, I have no reported late payments on any account EVER on my consumer credit files. 

As of now, I have continued to make payments on the balance owed. Not defaulting once since this ill advised decision was made.The closing of this card has done me more harm than good. As my " length of account history '' and my " debt-to-credit ratio '' has been adversely affected. 

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

I contacted Experian and XXXX  recently regarding information reported on my credit file. I inquired about the individual/s that reported to their concerning regarding a bankruptcy in XXXX and XXXX. I was advised by the representatives/ and supervisor that the United States Bankruptcy Court XXXX District of Illinois reported the information to Experian and XXXX . I asked that information be removed in accordance to Section 1681 ( 5 ) of FCRA ( Fair Credit Reporting Act ) I was told they would not be removing because the above entity reported this information. The above-mentioned credit agency was advised that the Bankruptcy Court did not report this information and I presented proof of this information to the credit reporting agency. I received and update to my credit report on XX/XX/XXXX stating they had completed my dispute. Experian and XXXX seem to not follow the law in reporting fairly and in accordance to the law. I have attached the letter of removal sent to XXXX  and Experian, the letter from the bankruptcy court, and their removal for non-compliance
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 in XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX  never XXXX the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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