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

I have disputed many times both online & writing that the delinquent payments during XXXX  with XXXX XXXX XXXX were made under the XXXX  " COVID CARES ACT '' and accommodations were granted. 
TransUnion refuses to correct the payment history correctly and they still will NOT REMOVE the DELINQUENT NEGATIVE PAYMENT HISTORY from XXXX! 

In 2020 I worked monthly with XXXX XXXX to make ACCOMMODATIONS for payments under the " COVID Cares Act ''. As stated directly in the COVID " CARES ACT OF 2020 '' ( beginning XXXX ) : Quote : Lenders will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as Required by the CARES ACT. Such payment accommodations will AVOID the REPORTING of DELINQUENCIES resulting from the effects of COVID-19.

I have disputed this with TransUnion many times and they still will NOT REMOVE the DELINQUENT NEGATIVE PAYMENT HISTORY from XXXX  on my XXXX XXXX XXXX Account!

This is ILLEGAL and UNJUST. 
If a correction is not made IMMEDIATELY I will be forced to seek LEGAL ACTION and recovery of FEES for damages. 

I have been a loyal customer and have 2 payments left on this account. 
XXXX XXXX has agreed to remove these late/derogatory payments & has sent notice to all 3 credit bureaus without correction to my file. 
I have even contacted the CEO of 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 XXXXXXXX. 
Still, TransUnion refuses to remove these negative/late payment remarks for XXXX.
Product: Debt collection

Received electronic notification from credit monitoring service of new derogatory entrants to my credit reports. In all, 11 accounts reported to my XXXX, 5 to XXXX, 5 to XXXX. The accounts are for {$100.00} a piece, all share the same account number with each individual entrant listed as Acct # XXXX, XXXX, XXXX, etc. 

No communications were mailed to my address. Upon calling the debt collector listed, was told I better pay all outstanding balances immediately before " we XXXX XXXX your credit score even more. '' My credit scores have gone down over 60 points across the board. This collector is entering false information into reports first, then using it as blackmail to prevent further credit damage. I have zero accounts for any of the amounts listed.
Product: Checking or savings account

On XX/XX/XXXX I to Citibank on XXXX XXXX XXXX XXXX XXXX XXXX to withdraw money to pay my XXXX back.When I was at the Teller I told them didnt want a receipt to my Business account.Teller gave my XXXX that is not that is not on the account my receipt without my permission after I left the bank.The XXXX  was doing a separate transaction on a different account. The second incident I was trying deposit a refund check to my account and the Teller refused to deposit causing me to get upset.The Branch Manager started screaming at me.
Product: Credit reporting or other personal consumer reports

I am writing to EXPERIAN to dispute inaccurate information on my credit report. 
My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, TX XXXX. My date of birth is XX/XX/year>. The FTC report number related to this complaint is XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution
Product: Credit reporting, credit repair services, 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. 
I told the XXXX, Transunion and XXXX to reinvestigate these accounts : Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 
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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX XX/XX/2022 Dear Equifax, I, XXXX XXXX consumer and natural person are aware of all rights I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting or other personal consumer reports

XXXX XXXX with XXXX XXXX  pulled a credit inquiry without our consent : we were required by the home builder to get approved with this mortgage company at the start of our home builder contract. We did not plan to use this mortgage company and instead were going to use XXXX XXXX for a VA loan. This company pulled our credit many months later without our consent assuming we were going to do the loan with them. It will negatively impact our score and rate when we do the hard inquiry with the company we intend to use.
Product: Credit reporting or other personal consumer reports

Unauthorized credit inquiries are impacting my score. Please address this issue promptly.
Product: Credit card

After closing a card for legitimate fraud, Wells Fargo applied a statement balance that I had paid off to the new account/card. XX/XX/XXXX - Statement for credit card ending in XXXX was issued showing a running balance {$750.00}. XX/XX/XXXX - That running balance was paid off in full - XXXX ( this is the account transfer confirmation from my checking account ) bringing the running balance back to {$0.00}. XX/XX/XXXX - I received a text message asking for approval for a {$230.00} charge for XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Being in XXXX  at the time, I knew this was fraudulent and immediately canceled the card. XX/XX/XXXX - I received a charge on my new account ending in XXXX for the last statement balance of account XXXX ( remember this statement balance was taken on XX/XX/XXXX but was paid in full on XX/XX/XXXX ) which is what the error is. ( XX/XX/XXXX XXXX LAST STATEMENT BAL FROM ACCT ENDING XXXX XXXX ) When attempting to resolve this with Wells Fargo, they insist that the statements reflect accurately, that is because they transferred an account balance that had already been paid off in full. See attached letter of " resolution '' along with both statements that shows what I am referring to. 

Again, they think it is accurate because they charged me the {$750.00} twice. I have now paid that balance twice. I only should have owed for the statement balance that I paid off XX/XX/XXXX which brought the running balance on the account back to {$0.00}.
Product: Debt collection

They keep calling my phone before XXXX XXXX and they keep calling and harassing me I told them to stop calling my phone and they keep doing it. I finally looked up their information and it is XXXX XXXX XXXX in New Jersey. When I called them asked them to stop they asked who was I to tell them to stop calling my phone as well as when i told them I would report them they told me they would report me for I dont know what because I told them I know the company information and i will report them oh that was the agent XXXX and XXXX and one more. I just need them to stop calling my phone and waking me up at XXXX or XXXX XXXX which is against the law according to the Federal debt collection practices act since 1978
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services LLC. XXXX. XXXX XXXX. XXXX, GA XXXX. 
ATTN : EQUIFAX dispute department RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently  conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that is problematic. The inquiry in question was apparently made by XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing inaccurate depiction of my creditworthiness. Please update me with a full report on your endings within the next two weeks. I look forward to having this situation resolved as soon as possible. Thanks for your prompt attention to this mater, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The CFPB form asks people if they have tried to straighten out the problem with the Company! I did! At least 15 times!

I have tried at least 15 times ( fifteen times ) to get this straightened out with the company! Literally! 


_____. 
TRANSUNION Fax Number - - - ( XXXX ) XXXX Attention : CCD ( Consumer Contact Department ) TransUnion LLC, XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XXXX XX/XX/XXXX. 





__ Subject : TransUnion must immediately remove or soften a certain inquiry!!!!!!!! 

__ To Whom It May Concern : I received a copy of my credit report and found the following item to be error. Here as follows is item in error : The following inquiry needs to be softened or removed immediately : Creditor Name : XXXX XXXX  Date - XX/XX/XXXX Explanation : I requested to be provided proof if I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. You sent no proof immediately of that, now it must be softened or removed immediately! 




By the provisions of the Fair Credit Reporting Act, this item should have been - SHOULD HAVE BEEN - softened or removed from my report! Please immediately soften or remove this item! 

I understand that under 15 U.S.C. Sec. 1681i ( a ), you should have completed this re-investigation within 30 days of receipt of my earlier letter! 

. 

SPECIAL NOTE # 1 - I emphasize again - the hard inquiry must me softened or deleted TODAY!!!!! Because the time limit for compliance with FCRA & CPA & ADA & other laws has  already expired!!!!!!!!!!!! 

SPECIAL NOTE # 2 - I am a paying customer of TransUnion!!!!!!! Even tho I am a paying customer of TransUnion - TransUnion has often failed to do what TransUnion has been paid to do!!!!!!!! And TransUnion has even failed to do many things that TransUnion is supposed to do even for the free customers!!!!!!!!!!!! What is wrong with TransUnion?????????????? TransUnon is required to immediately delete or soften the above stated inquiry!!!!!!!!!!!! 


. 
God Bless America!
Product: Vehicle loan or lease

My car was a total loss due to an accident. My insurance paid off {$16000.00} and my GAP coverage had paid {$4800.00} which was sent as a direct deposit on XX/XX/year> to Bridgecrest Financial my lien holder. They have applied the $ XXXX to the account. But are holding off for 14 business days to apply the XXXX to my account. Which is causing for my loan to accrue more interest and increase my pay off amount. I sent in {$200.00} as a partial payment. To try to cover the difference based on the money that has been sent to them. They are expecting me to maintain paying the same monthly payment until they decide to apply that payment to my account. They as denying even receiving the money even though Ive provided them with the transaction number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the account which I entered into in XXXX ( XXXX ) and has been completely paid off with the Original Company ( Creditor ) XXXX aka Why Not Lease. This account disappeared from XXXX from XXXX to XXXX, however, it is now showing up again with the XXXX XXXX XXXX who appears to have purchased this account. 

This is OLD ACCOUNT ( OVER 7 YEARS ) AND NOW BEEN SOLD TO A NEW COLLECTION COMPANY WHO IS REPORTING FALSELY JUST TO MAKE SOME MONEY ILLEGALLY
Product: Payday loan

On XXXX XXXX, 2015, I took a {$600.00} loan from Castle Payday and agreed to pay a XXXX-time {$150.00} interest on the loan. My XXXX due date was XXXX XXXX, 2015. When I called to pay off my loan I was told that Castle PayDay has withdrawn {$150.00} from my account already, but I was disappointed to learn that I 'll be required to pay an additional {$150.00} plus principal if I do n't pay off my loan on that day. However, the customer service representative I spoke to informed that if I pay off my loan by Wednesday XXXX XXXX, 2015 I 'll not have to pay any interest but just the principal. In fact, she wanted to schedule the one-time off payment but I told her that I will call on Wednesday because I expected the funds will be in the bank by then. 
When I called today XXXX XXXX, 2015 to off the principal ( {$600.00} ), I was told that I have to pay {$750.00} ( {$600.00} plus an additional {$150.00} interest ). I find this interest rate to be too exorbitant ; therefore, I would like CFPB to intervene to resolve this issue.
Product: Checking or savings account

I opened a business checking account on the XXXX and on Monday XXXX XXXX, I wasn't able to log in, called a representative and never heard back from them. Saying the account is getting reviewed. I want to get my money back fast. Since I'm still unable to use the account online.
Product: Debt collection

Ive disputed this debt XXXX time after it appeared on my credit. The first dispute was on XX/XX/year>, I stated that I did not recognize this collection, they updated it without providing any documentation and left it on my credit. The second dispute was on XX/XX/year>, I again stated that I did not recognize this debt and they again, did NOT provide any information and left alone. I then filed a complaint with CFPB to get them to respond and they provided charges that are incorrect and that I do not owe. I disputed for the third time on XX/XX/year> stating that the charges were incorrect and I would like a copy of a contract from XXXX. NO response and it was closed before it even hit XXXX hours. I am now filing another complaint because they have not provided a contract like I specifically requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Transunion informing that I did not sign any documents on any hard inquiries on my credit report. Transunion wrote back and said to stay off the internet and it will stop. No investigation are anything. Poor customer service
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX  Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX, XXXX, ive sent three letters each to the credit bureaus ( Equifax, XXXX and XXXX ) trying to resolve multiple negative student loan accounts on my report. The Credit Bureau 's ( Equifax, XXXX and XXXX ) are neglecting to verify the accounts properly to determine which ones are duplicates or original.. All of the loans in question have been consolidated since XXXX and is in good standing ; but the negative accounts that are being reported are hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please have XXXX and TransUnion update my XXXX 's account to reflect no late payments. Attached is a copy of my XXXX report dated today, showing that there are no late payments on this account. Thank you
Product: Credit reporting or other personal consumer reports

I have previously sent disputes requesting verification and debt validation for the item ( s ) listed below. Additionally, I have requested specific method of verification ( MOV ). Experian is not fulfilling the obligation under FCRA 609 ( c ) ( 2 ). Validation using e-OSCAR or PACER is improper validation and a violation of FCRA. The absence of method of verification and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus ' guidelines for what constitutes proper debt validation. Additionally under FCRA 623, I am requesting investigation as to the accuracy of the records on this debt. 

The FCRA requires the CRA to assure maximum possible accuracy with your credit file. [ 15 U.S.C. 16 81 e ] ( b ) " Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. How is it possible that maximum accuracy is assured when the collection agency is verifying erroneous information to the CRA through an ACDV, and hasn't provided you with proper validation of the debt? 

Under 623 ( b ) ( l ), FAIR CREDIT REPORTING ACT/REGULATION V when a furnisher receives notice from a CRA that a consumer disputes the completeness or accuracy of information the furnisher provided to the CRA, it must investigate the disputed information, review all relevant information provided by the CRA, and report the results of its investigation to the CRA.

Please provide information to the following questions When was the dispute started internally at Experian? 
When was the dispute sent to the original information furnisher? 
When did Experian receive a response from the original information furnisher? 
What information was sent to the original information furnisher and what detailed information was received from the original information furnisher in response to the dispute? The furnisher is required to investigate their records and ensure that they are accurate as well as Experian is required to have an INDEPENDENT role and actively investigate a dispute and compare evidence. The case law XXXX XXXX Experian Corporation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the judge ruled that Experian violated the Fair Credit Reporting Act by failing to compare evidence. Experian has failed to provide an INDEPENDENT debt verification, specific method of verification, and accurate debt validation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/19 I sent XXXX $ from my XXXX XXXX account to cash app for the purposes of buying and investing in bitcoin. When the price of bitcoin dropped i attempted to purchase it, only to find out that my account was closed. I tried withdrawing my money only for all banks and cards added to be rejected by cash app. 

I contacted cash app as soon as i was aware my account was closed ( XX/XX/19 ) and was rewarded with an automated response and no reasoning. I again tried to contact them on the same day with no response. 

I waited to see if my bank or card would be accepted at a later date however, to this day all attempts to withdrawal my personal funds are rejected. I again contacted support on XX/XX/19 on both email and PM on twitter, twitter returned with an automated response letting me know theyll look into it. I was emailed a few minutes later with a response that the decision to close my account was final and instructions to recover funds. I again attempted to follow these instructions only for my banks and cards to be rejected yet again. Essentially this locked XXXX $ into my account which cashapp refuses to return.
Product: Credit reporting or other personal consumer reports

I am refilling the complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX Section. XXXX that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I purchased a {$500.00} XXXX XXXX card from XXXX located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX using my Discover credit card. Upon returning home, I tried to redeem the card and found out that the card had no balance and with closer inspection I could see that the card has been tampered with. I reached out to the XXXX store who did nothing, reached out to Discover who investigated it and XXXX provided receipts saying that the card was purchased and activated and closed the dispute. This occurred around XX/XX/2020 ). Because of the time that have lapsed ( and my ignorance of not knowing who else to reach out to I can not access the rejection of my dispute. ) I reached out to XXXX who's response is attached. After my final email with XXXX I heard nothing else.