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

CFPB, Please accept this complaint as a formal notice that TransUnion is in violation of my rights under the FCRA. I have advised this company multiple times that they are furnishing inaccurate information on my credit report. 
I disputed an account on my file being reported by XXXX XXXX XXXX XXXX/XXXX with an account number of XXXX on XX/XX/2018 ( attachment A ). TransUnion received my letter on XX/XX/2018. I informed them that this account is no longer supposed to be reported negatively and supplied TransUnion with documentation supporting my dispute ( attachment B ). After recent review of my credit report furnished by TransUnion, I noticed that their company did not update the information to the appropriate monthly payment history of OK, for all months reported nor an account status of paid as agreed. This account should have NO negative payment history, and they have not corrected the inaccuracy after being informed. There are also a number of other inaccuracies being furnished by this company. 
The account number was changed from XXXX to XXXX. 
The account type is being reported as employment, when this account is an education loan. 
They are reporting a monthly payment of {$50.00} on this {$0.00} balance account. There can be no monthly payment on a {$0.00} balance account. 
The payment status is reporting 120 days past due when all payment history should have be updated to paid on time and as agreed. 
The high balance amount is reporting as {$2500.00} and should be {$0.00} ( as it is reporting to XXXX as {$0.00} ). 
TransUnion is in complete violation of my rights as they are knowingly furnishing inaccurate information and damaging my credit worthiness ( attachment C ).
Product: Credit reporting or other personal consumer reports

Shellpoint continues to report INACCURATE payment history! The response in the previous case # XXXX states my XX/XX/year> payment was received on XX/XX/XXXX per their records. Per my BANK STATEMENT, my XX/XX/year> payment was received on XX/XX/XXXX!!!!!!! The payment received on XX/XX/XXXX was for the month of XXXX! This is NON SENSE that I have to continue to go through this. I have shown payments made and you all come up with a very long dissertation about why my account status is what it is. I continue to provide you with BANK STATEMENTS and yet my credit bureau has NOT been corrected to reflect my bank statements. I have NOT paid more than 30 days past due. I never had a problem until Shellpoint took over my account. Since Shellpoint states they can't not find my payment history, I have once again attached MY BANK STATEMENTS!!!!!!!!!

REMOVE THE 30 day late on my CBR! It's not correct! I do not understand why I have been trying for months to get this corrected.
Product: Vehicle loan or lease

I had a 4 year lease for a XXXX XXXX XXXX with GM Financial on XX/XX/XXXX and COMPLETED the lease term, payments and returned it on time in XXXX. GM Financial has reported inaccurate info on my credit report agencies XXXX, XXXX, and XXXX. GM Financial is reporting delinquent payment history that I have missed payments with a balance of XXXX which is inaccurate.
Product: Debt collection

Im filing a complaint against IC System, XXXX. XXXX XXXX, XXXX XXXX, MN XXXX. Their phone number is XXXX. I moved out of an apartment in XXXX, IN in XX/XX/XXXX with a debt of {$150.00} to XXXX XXXX. IC System purchased the debt and violated the Fair Credit Reporting Act by re-aging the debt. On my credit report, they listed the date opened as XX/XX/XXXX, more than 3 years after the date I moved out.
Product: Debt collection

CFPB + True Accord, On a recent review of emails, I received an email from True Accord saying I owe a debt. I am requesting validation of this debt. 

Attached to this email are : - copy of drivers license - this serves as ID as well as address - written complaint I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via the CFPB as well as mail at the address I have provided herein. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Attorney Generals Office.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and seen multiple items with incorrect information on it. 

XXXX XXXX Acct # XXXX on XXXX and XXXX The information incorrect is the account number is not correct Date opened it not correct Balance isn't correct on XXXX it shows {$1400.00} on XXXX it shows as {$0.00} Payment status is incorrect and shows as charge off on XXXX while XXXX shows as paid in full Last report date is incorrect XXXX says XX/XX/XXXX while XXXX shows XX/XX/XXXX XXXX also states it as a Delinquent and Derogatory while XXXX has it Derogatory Also neither has the correct address associated with me This account should be removed from both XXXX and XXXX for being inaccurate. 

Now there are two more accounts with XXXX that is not accurate Kia Fin Am Acct # XXXX XXXX XXXX Acct # XXXX XXXX on XXXX shows as payment after charge off which is not accurate, payment status isn't correct, active date is incorrect. Also credit limit being {$0.00} and high credit being {$9000.00} is incorrect. Date open XX/XX/XXXX and last report date XX/XX/XXXX is incorrect. Along with the address on file not being mine. 

XXXX on XXXX shows payment status as charge off which is inaccurate, last active date XX/XX/XXXX is incorrect on XXXX. XXXX has it as XX/XX/XXXX paid satisfactorily accurately. Also credit limit being {$1500.00} and high credit being {$1800.00} is incorrect. Date open XX/XX/XXXX, last active date XX/XX/XXXX and last report date XX/XX/XXXX is incorrect. XXXX has last active date as XX/XX/XXXX and XXXXAlong with the address on file not being mine.
Product: Credit reporting or other personal consumer reports

I Found a number of Personal information mistakes on my credit report, and I contacted EXPERIAN in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix these issues, this is a clear violation of my consumer rights.
Product: Credit card or prepaid card

They call me every day. I have a baking business so answer every phone call. They call from my area code and prefix. 

" Hi, this is XXXX from Chase Bank '' I block the call every day, tell them to take me off the list, threaten states attorney, they hang up and just call from another number. IM SICK OF XXXX. 
Please help me. 

I don't have a credit card. 

The images I sent. All the 815-440 nimbetscwere from XXXX from Chase Bank.
Product: Debt collection

Back on XX/XX/XXXX I went to XXXX XXXX  for XXXX XXXX. Unfortunately I was late and XXXX XXXX  said I would have to reschedule. After seeing the XXXX XXXX   environment, I did not think the place was safe. I left without giving my information such as insurance and license. 2 years later, I received collection notice from AR Resources? I wrote back and informed them I did not use the service nor did I receive any billing notices. AR Resources sent me back 2 billing notices, over a year old and with 2 different addresses? AR Resources then started the constant phone calls at all times during the day and night. I tried talking to them on several occasions explaining the situation, and their only resolution was for me to pay! I stated I dont pay for services not rendered. They continued with their harassing phone calls, even on Sundays nights, and I just refused to answer anymore, and I thought that was the last I head of this. In late XX/XX/XXXX I checked my credit reports and saw the collection notice on XXXX  ONLY! After much research, I went back to my XXXX claims all the way back to XX/XX/XXXX, and found out that XXXX XXXX filed NO claims! Why? Because there was no services rendered!! The was XXXX XXXX for XXXX XXXX XXXX, but NOT XXXX XXXX   Personally, I believe that AR Resources went to far, illegally too far, and I would recommend anyone being contacted by AR Resources to get an attorney and sue them.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company XXXX XXXX XXXX XXXX XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX XXXX XXXX XXXX ) of any sort. 

In regards to The company XXXX XXXX XXXX XXXX XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company XXXX XXXX XXXX XXXX XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Product: Credit card or prepaid card

XXXX FOLLOWING CHARGES FILED AND TAKEN FROM MY ACCOUNT WITH CARDS I NEVER OWNED. XXXX AT XXXX XXXX, {$930.00} TAKEN FOR PURCHASE AT XXXX XXXX ON XX/XX/20 XXXX XXXX, {$200.00} PURCHASE AT XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20, XXXX PURCHASE AT XXXX XXXX XXXX ON XX/XX/20 AT XXXX WITH NET SPEND CARD ENDING IN XXXX WHICH IVE NEVER OWNED. {$2100.00} PURCHASE AT XXXX XXXX ON XX/XX/20 AT XXXX WITH NETSPEND CARD ENDING IN XXXX, WHICH I HAVE NEVER OWNED. AND YET IT WAS ALL DEDUCTED FROM MY ACCOUNT.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 or other personal consumer reports

I am filing this complaint regarding unauthorized and fraudulent accounts that remain on my records despite my timely submission of the necessary documentation, including a detailed letter noting the fraudulent activity. 

Details of the Issue : I provided documentation, including police report, identity theft affidavit regarding accounts fraudulently opened in my name. 
Per the institution 's own policies and federal guidelines, these accounts were to be blocked and removed within XXXX business days. 
To date, these accounts remain active, causing significant harm to my credit profile and financial well-being. 
Despite my thorough efforts, I have not received resolution. I believe this is an unnecessary and intentional delay. This failure to act violates my consumer rights under federal law. 

Requested Action : I demand the following : Immediate removal of all fraudulent accounts from my records.

Written confirmation of the resolution within seven business days.

Assurance that no further delays or stall tactics will occur.

I have attached all supporting documentation, including the letters and reports I previously sent to the institution. This situation is unacceptable, and I expect swift corrective action to prevent further harm. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in theCFPB 's recent administrative proceeding ( XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. The following company is marked as inaccurate : FAIR COLLECTIONS AND OUTSOURCI.
Product: Debt collection

IQ Data XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Past Due balance {$3000.00} This collection was placed on both my credit and my daughters for an apartment my daughter was renting at XXXX XXXX XXXX in XXXX FL in which her and my XXXX  had to relocate from after being exposed to mildew and other unhealthy bacteria found in the department. The incident was reported to the Department of Health and the management office who agreed that my daughter could move out of the apartment without any penalties. My daughter and I have tried on several occasions to dispute this charge from our credit reports and recently reached out to the debt agency to see what other options we have to satisfy this debt since the dispute we filed did not rectify the problem. When I spoke with the representative, she advised that the dispute was received but wouldn't stop the calls until the debt has been collected and/or a settlement payment is received. I inquired about a " paid to deletion '', and she advised that could be done once account is paid in full. I told her I would talk to my daughter and follow-up with her. I received a follow-up call on XX/XX/XXXX from the same representative asking if my daughter and I had come up with a resolution to handle the debt, I advised that my daughter and I decided to wait until we both revieved our taxes and would pay what is owed, the rep asked if there was anything payment I could handle today and I told her no, the rep became very hostile and proceeded to say " YOU ARE LYING AND CHOSING NOT TO COMPLY SO I AM GOING TO MAKE SURE THIS OFFICE DOESNT COOPERATE WITH YOU WHEN ITS TIME TO PAY YOUR DEBT AND YOU WILL NOT BE ABLE TO DO A SETTLEMENT ONLY PAID IN FULL, HAVE A NICE DAY. '' and hung up the phone before I could reply.
Product: Credit card

I cancelled two flights that I booked using points through Capital One Travel for the first time from XXXX  to XXXX  and received two travel credits of {$570.00} ( conference credit code MUPTKG ). I was told these 2 credits could be reapplied to any XXXX flight with the same travelers ( my wife and I ) within 12 months of the date of cancellation. I reapplied this credit with the XXXX flight ( XXXX ) through Capital One at a cost of {$570.00} each, plus {$70.00} for a total cost of {$640.00} each. Had I booked directly with XXXX that same flight could have been booked for {$280.00} eachat the time of rebooking. Therefore, the cost of this flight consumed our full credit of {$570.00} plus {$70.00} additional fee for a total cost of {$640.00}, or {$350.00} more than what we would have paid otherwise per ticket had I booked this flight directly with XXXX. 

I was told this was a REBOOKING fee that XXXX charges them for applying this credit. I called XXXX and spoke to a representative XXXX XXXX XXXX who asserted that was NOT true. She said that any rebooking fee was from your Venture credit card XXXX XXXX, not XXXX. At the time of my canceled flight, that resulted in this credit, I was not informed I would be subject to a rebooking penalty of {$350.00} X XXXX = {$710.00}. I needed to have been informed of this prior to my cancellation, but was not. Once I got the email from Capital One Travel confirming my cancellation, itstated on page two that there was a REBOOKING FEE, BUT at the time of my phone cancellation, I was NOTinformed of this fact!
Product: Checking or savings account

I deposited two checks into chase bank. they were my XXXX XXXX XXXX I have POA. 
as for he is XXXX. bothe Checks cleared and we're in account.. I was able to take out The one check {$1800.00} amount. 
Then they froze my account.. The Fraud department froze my account saying they needed third Party verification.. Wich is impossible because he is in jail I asked them to return the XXXX XXXX to the XXXX who issued the check This check is also {$1800.00}. They said No ... I asked them to send XXXX a Cashier 's check... They said No ... They said they were going to keep the money ... because they could not do the third party verification.. XXXX has had not had a cell phone or land line in years .. so even if he was not in XXXX.they could not do the verification ... also they closed My account... when I gave them the power of attorney they scanned it into my New account. 
Someone from the fraud department will not realease the money...
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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: Debt collection

The original creditor is XXXX, arising from a final bill from an apartment that I moved out of in XXXX XXXX. In XXXX XXXX I received a letter from a debt collector asking for payment of {$140.00}. I mailed a payment via my credit union 's bill pay on XXXX/XXXX/XXXX for the full amount due. The letter, which purported to be from an attorney 's office in XXXX, TN, instructed to make checks payable to XXXX XXXX. 
In XXXX XXXX, I received a bill for the same amount from a separate collection agency for the same debt. The agency is Afni, Inc. After double-checking that I had already paid, I assumed they had some wires crossed, so I ignored the bill. 
Today I received another bill from Afni, so I called them to explain that I had already paid the bill. They are demanding proof from me rather than checking with XXXX. Because the payment was made via bill pay, I will have to go into my credit union branch to get a copy. This will be time consuming and annoying. I feel the burden should be on the collection agency to ask their client to double check their records. In the meantime, my credit score has been harmed by the report to credit bureaus by Afni.
Product: Credit card

On XX/XX/year> at around XXXX XXXX, I got a call from XXXX. She said she was calling to find out if I was allowing someone named XXXX XXXX in XXXX, Florida to open a Discover card using me as a co-signer on XX/XX/year>. I told her I've never heard of this person and I live in XXXX, New York. She said she would deny the card and tried to transfer me to the Consumer Financial Protection Bureau but when she transferred me, we were disconnected. The number she gave me for the cancellation is XXXX XXXX. She asked me if I had accounts with various companies and she mentioned XXXX XXXX XXXX. My phone is through XXXX XXXX XXXX. She said there's been a data breach and unfortunately, that where they may have gotten my information. The person trying to open the account has my SS #, name, phone number and address. I asked if I should call the credit bureaus and she said they would.