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

I am filing a complaint as a response to my recent dispute with Transunion from XX/XX/20. There is a collection account I have disputed/had removed twice and the same account was deemed " accurate '' with the recent dispute. Initially, I filed a complaint against the original creditor, XXXX with the collection agency, XXXX XXXX XXXX included. The complaint was not able to be sent to XXXX ( which was the source to resolve issue ). After research, I discovered XXXX is no longer a company. I am addressing the issue with Transunion as this is where the disputes began with XXXX. This account has been previously disputed and removed from my credit report twice : 1. XXXX XXXXXXXX on XX/XX/20 and 2. XXXX on XX/XX/20. First, I made a counter-offer of 42 % to their 70 % offer for settlement, mailed payment and it was rejected/requested to pay full amount. Second, I spoke with a representative on the phone, agreed to pay 50 % and requested the offer in writing. I never received the offer in writing. I have requested cease of communication from the current collection agency. I prefer to address issue with XXXX, but I wanted to inquire why the first two collection agency attempts to collect debt were removed and the current collection agency deemed valid. I would like clarity to the decision of the current dispute results.
Product: Debt collection

This company bought a collection account from XXXX XXXX that has been in collections since XXXX but they are report it as XXXX XXXX XXXX with XXXX and XXXX. I have contacted the company serial times with no reply. This collection is over four years old but they are reporting it as if it's a over a year old.
Product: Credit reporting or other personal consumer reports

Your company determines my fico score, which is use by banks and credit institutions to determine the rates I am charged for loans. 
But when you inform me that my fico score has changed, you can not inform me as to why? 
Because I have several banks and several credit companies I deal with, I am told that I need to contact the credit advisors at these institutions to find out why my fico score has changed. 

You should be able to tell a customer this information.
Product: Payday loan, title loan, or personal loan

I received a loan for solar panel installation through XXXX, the lenders that I was passed off to by XXXX are XXXX  and XXXX XXXX XXXX XXXX.

While XXXX  was doing preparation work to install the solar panels Service Finance started contacting me asking if they could fund the loan, to which I told them that they could not and I expected it to be several months before we were at a place that the loan should be funded. They continued to call me daily and started increasing the call frequency to the point that they were calling me 4-5 times a day, I eventually had to threaten them with a harassment suit to get them to stop calling me. This was effective for about a week and a half until they called me on XX/XX/2018 and told me that the installer told them the panels were on the roof and that is what they deem installed and they would be funding the loan. During this call I told them that the panels were still not installed and that I did not approve of the loan, they told me that they deemed it installed and asked if I had any questions, when I said no they decided that was authorization to fund the loan.

We are now 2 months past the phone call on XX/XX/XXXX, Service Finance is telling me that I need to start making payments ( again, on a loan I did not authorize ), the installer still has my exterior wall torn open, the panels are not operational and I'm getting bills from my electric company. The installer told me they would fix the wall this week, on Tuesday I was told that I'd get a call back on when the repair person would be out, I never received a call back and when I tried to contact the installer Friday I was sent to voice mail and not called back.

I filed a dispute with the lender, which they denied because apparently not having questions about them funding a loan I did not authorize them to constitutes consent to them and they are threatening me with past due bills and ruining my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is constantly reporting an account from a pay day lender by the name of XXXX XXXX XXXX, that I never opened, nor never applied for. It has been removed from my credit report 2 previous times. The first time it was removed from my XXXX  report. The second time it was removed from my XXXX report. It is now being reported on my XXXX   report and should be removed immediately as a fraudulent account, from information most likely obtained through and XXXX data breach earlier this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have several hard inquiries on my credit report that should have been removed by now, but none of them have, one of them is nearly 2 years old XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 
Under 15 U.S.C 1681 section 602 States I have a right to privacy.

Under 15 U.S.C 1681b section 604A paragraph 2 States an agency can not furnish an account or report without my written instructions.

Under 15 U.S.C 1666B A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2008 Balance : {$49000.00}
Product: Credit reporting or other personal consumer reports

I have inquires on my report that do not belong to me.
Product: Credit reporting or other personal consumer reports

I sent these complaints several times in multiple letters, and the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the FCRA and there are no actions or responses yet. As I reviewed my updated credit report these negative items remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$23000.00} ; XXXX XXXXXXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} ; XXXX XXXXXXXX XXXX XX/XX/year> ; XXXXXXXX XXXX XXXX XXXXXX/XX/year> ; XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive been trying to get Equifax to unfreeze my report, im in the process of buying a vehicle and they say that my report is unfrozen but when the banks pull it up it does show up, and yes ive sent all the documents that they need me to send including verifying my identity which ive done several times and ive also spoke to the supervisor several times. they need to fix the problem on there end so i can able to do what i need to, by them not letting me see my report is a big violation to my consumer rights.

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

I contacted " THE COMPANY '' and asked for them to investigate & remove the fraud alert from my consumer report that they are illegally reporting.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 


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 XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : 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  For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My report shows incorrect late payments, which dont align with my regular payment patterns. Please make the corrections.
Product: Credit card or prepaid card

Discover is my longest standing credit card. I have had it since I was in college. I paid it down this past year to a XXXX balance and they increased my credit limit. Without notice, I received an email saying my account is closed and its final. This will affect my credit as this is a long standing card. I carry this card for emergency purposes but because I paid it off this year and cant make money off me they closed my account without notice.
Product: Vehicle loan or lease

In XXXX and XXXX of XXXX, we submitted paperwork to TD financial for a 3 month loan extension and were asked to pay the past due fees, which we did and submitted the paper work. Our loan contract was extended however the payments were listed on the account as partial payments and we were still reported late to the bureau. Again in XXXX of XXXX, we were contacted during the pandemic and offered a 3 month extension due to the pandemic, which is also general knowledge online to date. Again the same thing happened however, when we paid the late fees, TD auto never applied them to the late fee balance and still reported us late to the bureau and listed all the money submitted as partial payments but extended out contract another 3 months. Now our pay off for our XXXX payment is due this month and we have an outstanding balance equivalent to 6 months of payments. In addition, the interest charged is incorrect. There is a late fee balance, but they never subtracted about {$350.00} in XXXX toward this late fee balance so its should be at least {$350.00} less than what is showing. Furthermore, they are already in trouble with the CFPB for doing this to several other customer which was just posted to the internet in XX/XX/XXXX. I have contacted them so many times over the years and they have never ever contacted me back. I cant get through on the phone line because you just stay on hold forever probably due to the XXXX  of other customers with the same problem. NOW they are threatening me with repossession. When they are the ones that have processed my account incorrectly except for extending the payoff date 6 months. In addition, we had a another vehicle with the same extensions near the same periods of time because it was purchased on the same day as this vehicle and it was NOT a balance due at the end of the loan beside the late fees and the remaining payments due. Also they magically removed the billing statements online for these particular months. 

I am reporting this information because in the article online you were considering reopening an investigation against TDAF for these types of discrepancies with customers. But I believe they were pardoned the investigation due to the previous governing president. I would also request they be investigated for disparities and racism as they are a bank that " help '' financially challenged individuals.
Product: Credit reporting or other personal consumer reports

There are two account that are old and past seven years old. The first one is XXXX and the other is XXXX XXXX. I first did XXXXwo disputes with all credit bureaus and they refuse to remove the outdated files. I then reached out to both credit lenders and XXXX XXXX agreed to remove the account. This has not happened and its been over thirty days. I reached out to XXXX XXXX for XXXX and actually spoke to a live person that stated that they no longer had my account information in their database and could not assist me any further. I then filed another dispute with all three bureaus without any results except the usual response '' please reach out to the lender ''. Both creditors have zero balances and was closed due to inactivity over eight or nine years ago. I need help in removing this outdated information. I did everything possible with all three bureaus before contacting this agency. Please help me resolve this never-ending issue.
Product: Credit reporting or other personal consumer reports

I was a victim of the data breached and filed and Identity Theft report which is attached. I was advised to review my credit report where I found a number of incorrect information related to my personal information. I also see a credit card from XXXX XXXX that is not mine, please remove this information and update my report. 

My name should be listed as XXXX XXXX only. My employer is XXXX XXXX XXXX and no other company. My address is XXXX XXXX XXXX XXXX XXXX it has been that for XXXX  years. Please remove XXXX XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Inquiries Found - XXXX XXXXXXXX XXXX and XXXX XXXX XXXX account number XXXX
Product: Checking or savings account

We open 2 accounts on XX/XX/XXXX Saving account # XXXX ( {$1400.00} ) and Checking account # XXXX ( {$2000.00} ) The checking was transfer from the saving account # XXXX that was just open. The saving account also have my sister and father on it. 

On XX/XX/XXXX, I can not access the online account. I was told the accounts are being close and I will receive my fund back in the mail in a form of 2 checks. 

I did not received the checks but the letter from Chase bank notified that the account is closed. 

On XX/XX/XXXX, my father and I have called on XX/XX/XXXX. We was told that the checks will be sent. 

On XX/XX/XXXX, the checks were not received. We called and the service personnel at Chase escalated the phone call to the supervisor, and after 1+ hours, we was told that it was approved and the checks will be sent and I will received it at on my address on record of XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX in 10 days. 

On XX/XX/XXXX, the checks was not received. We called and the service personnel at Chase escalated the phone call to the supervisor, and after 1+ hours, we was told that it was approved and the checks will be sent and I will received it at on my address on record of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in 10 days. 
We was told that our previous called was never received, an only the XX/XX/XXXX was on record.. She told us that if we call and check back by next Tuesday, that there will be a check number written for our checks. The checks will be for {$2000.00} and {$1400.00} On XX/XX/XXXX, the checks was not received. We called and the service personnel at Chase escalated the phone call to the supervisor, and after 1+ hours, we was told by the supervisor that the money from the checking and saving accounts was XXXX. Someone from Chase would call back the next day. NO ONE CALLED.
Product: Vehicle loan or lease

I was into a car accident back on XX/XX/2020. My finance company Ally Financial was paid by my insurance company and the gap company. On XX/XX/XXXX of 2020 I spoke to a agent at Ally Financial stating that once the gap payment was received they would XXXX  out the remaining balance, I asked the individual multiple times during this recorded conversation if he could guarantee me this, he stated yes and that I would be able to receive a paid in full letter by the end of the week. On XX/XX/XXXX I called in being there was still reflecting a balance on the account even though the Gap claims payment was applied. I made a complaint with the escalations department and was told they needed to look into the matter and needed two days. On XX/XX/XXXX of 2020 I received a call from Ally 's escalation department and was told it will take them two days to get the call to be able to review this. Today is XX/XX/2020 and I called Ally to follow up on the matter for the complaint that I made about being told the balance would be XXXX  out. I am being told there is a remaining balance of {$650.00} and some change. Ally records all of there calls so there is a recording backing my conversation that took place on XX/XX/XXXX of 2020. I called Ally Financial at XXXX from phone number XXXX.
Product: Checking or savings account

deposited business check from a client Wed  XXXX   XXXX ,   XXXX   to our business checking account.  Deposit  slip said funds available Thur  XXXX   XXXX ,   XXXX  .   Friday  XXXX   XXXX , amount not cleared in our account, and they drew money from our business savings which did not cover the amount of insufficient funds, we had a negative balance.   Went to the bank, they said our bank  ( Wells Fargo )  had a hold on the check because there were not sufficient funds in the account it was drawn on  (   XXXX   ) . I called client, she called her bank, her bank mgr said the funds cleared Wed  XXXX   XXXX . Funds were out of that account. She also has an overdraft on that account which would have covered the amount.   We went bac k to Wells Fargo, an d they can only insist that the funds are not available, yet they were taken out of the  XXXX  account 2 days ago.   So where is this money?
Product: Credit reporting or other personal consumer reports

Clarity Services has been reporting inaccurate addresses that I do not associate with, Ive tried to have this fix with clarity I sent a copy of my ID and a recent bank statement to prove my accurate address and also to prove my identity, Clairty wants a copy of my social security card which I will not give because I have already gave 2 forms of identification. The state ID which is one form and a recent bank statement is another form of my identification. Attached wi to this compliant will be my 2 forms of identification and prove of my accurate address along with the inaccurate addresses that clarity has been reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, I disputed a fraudulent inquiry on my Equifax consumer credit report and it was not block and removed.The information that XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX is not information relating to any transaction by me. 
I have file a identity theft report with Federal Trade Commission to notify them that I am a victim of identity theft and I have notified them that Equifax is reporting these two companies on my credit report. Also note that I have a active fraud alert of my Equifax credit file and I WAS NOT NOTIFIED WHEN THESE INQUIRIES WERE TAKING PLACE. The Identity theft documents are attached. 
15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active duty alerts -15 U.S. Code 1681c2 - Block of information resulting from identity theft - ( a ) Block Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/2022 I identified discrepancy with account listed under Portfolio Recovery and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.
Product: Debt collection

Date-XX/X/2017 Amount- {$150.00} Company- Convergent XXXX XXXX XXXX XXXX / XXXX XXXX XXXX, WA XXXX XXXX Ceditor-XXXX Client #  XXXX Convergent Account # XXXX Amount Owed {$150.00} Sent this notice that the records of XXXX XXXX show a balance of {$150.00}. XXXX due in full. 
This is an attempt to collect a debt. 

I have contacted XXXX and they did not show me owing any money to them. 

This is a fraudulent claim, I do not owe XXXX any money and they have no record of this debt.