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

I am writing to formally express my extreme frustration and disappointment with the consistently inaccurate information being reported on my credit profile by [ XXXXTransUnion XXXX for the past year. Despite my persistent efforts to rectify these errors in accordance with my rights as a consumer under the Fair Credit Reporting Act ( 15 U.S.C 1681 ), it is disheartening to note that these issues remain unresolved.

Over the course of the past several months, I have repeatedly exercised my right to dispute the inaccuracies on my credit report, citing the provisions of 15 U.S.C 1681 as a reminder of your legal obligation to ensure the fairness of the information you disseminate. My disputes on all 5 accounts listed below ( In Addition to, an address I have no knowledge of nor have I lived at the address ), each backed by solid evidence of inaccuracies, have been submitted through certified mail and meticulously documented to ensure a clear and traceable record of communication. 

Despite my adherence to the prescribed dispute process and the gravity of the matter, I have yet to witness any meaningful action taken by the companies listed to rectify these erroneous entries. It is disconcerting to realize that my diligent efforts to correct these inaccuracies, backed by the law, have been met with indifference. 

Furthermore, I have discovered that my personal information has been shared without my consent to various third-party entities for financial benefit, a practice that appears to contradict both the principles of privacy and the standards set forth by the Fair Credit Reporting Act. The unauthorized sharing of my sensitive financial data raises serious concerns about my privacy and security, and it is essential that this practice is immediately ceased. 

I want to emphasize that my intent is not to engage in a confrontational exchange but rather to assert my rights and seek a resolution that upholds the principles of fairness, transparency, and accuracy that the credit reporting system is built upon. 

In light of the continued inaction and indifference to my plight, I am left with no choice but to escalate this matter. I expect an urgent and comprehensive response to this complaint, to rectify the inaccuracies on my credit report and ensure that my personal information is no longer shared without my explicit consent. Failure to address these concerns adequately will leave me with no alternative but to pursue legal avenues to protect my rights and seek appropriate compensation for the damages caused by these inaccuracies. 


Thank you for your immediate attention to this matter. 

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

No company nor XXXX, TransUnion, or XXXX has replied to me within 30 days.The accounts on this affidavit are not familiar to me and I do not recall consenting to contracting with any or these companies to the best of my knowledge.Under the doctrine of estopel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.In attempt to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my hand written wet signature, and proof of you authority in this matter. With no evidence, you must terminate/remove these accounts/correct any erroneous reports of this debt as mines.I have no account with these company's.I ask TransUnion, XXXX, XXXX to the listed companies authorization, under 15 USC 1692 ( e ) and 15 USC 1692 ( f ), that the companies have the right to collect the debts which are erroneous to the best of of my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX XXXX Balance {$46000.00} XXXX XXXX  XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 2023
Product: Credit card

Personal accountsFootnote a XXXX XXXX XXXX XXXX - XXXX {$3200.00} Show Quick View for XXXX XXXX XXXX XXXX - XXXX Past due BankAmericard XXXX XXXX XXXX - XXXX {$1000.00} Show Quick View for BankAmericard XXXX XXXX XXXX - XXXX Show Payment due for BankAmericard XXXX XXXX XXXX - XXXX BankAmericard XXXX XXXX XXXX - XXXX {$810.00} Show Quick View for BankAmericard XXXX XXXX  XXXX - XXXX Show Payment due for BankAmericard XXXX XXXX XXXX - XXXX Investment accounts Brighten your holidays! Get up to {$600.00} when you invest in a new XXXX account. 
Learn more >> Open a new account Activity Center show Alerts tile show Pay Bills tile show Inbox tile XXXX new messages show Special Offers & Deals tile show Open an Account tile show Spending & Budgeting tile Schedule an appointment Find us View your XXXX Score
Product: Checking or savings account

My cash app account balance was XXXX dollars. Cash App approved a charge on my cash app account even though there was a lock on my debit card and the debit card number charged was old/expired and reported lost or stolen over 3months ago. The cash app balance is now negative {$180.00}. I contacted Cash App to dispute the charge. I asked Cash App how a charge could be paid when my card is locked for debit purchases and there was not enough money in my Cash App balance to pay a charge for {$180.00}. My cash app balance at the time was XXXX dollars. I was not given a response why this happened. They told me that I need to pay the negative balance if I want to continue to use Cash App. I would like the negative balance reversed immediately and my account balance bought to a positive balance. 

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

In accordance with Fair Credit Reporting act 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 a account without written instructions.
Product: Checking or savings account

i was with navy fed for over XXXX  years and one underway i was out to sea some fraud activity had happened contacted navy fed bc they closed my account and took my money that i had to pay them back and i have a car loan w them that hasnt been paid since early last year i contacted them about me opening my navy fed account so it can be easier to pay off my car loan and they wont let me they barely investigated even after i gave them so many fact that it wasnt me and i didnt have internet connection at the time of that happpening my appeal got rejected and the car loan is still not getting payed showing up on my credit as a closed/ charged off account and its making my life hard to get loans of do anything because creditor can see that please do some investigating for me
Product: Debt collection

I lost my purse with all of my personal items including my phone in the middle of XXXX, shortly after I started receiving calls and emails about accounts and payments that are not mines. I received emails saying my information was listed on the dark web. I reported the theft and the accounts popping up.
Product: Mortgage

my foreclosure is in 1.5 hours from now. shell point is telling me i did not supply my documents in time. i just emailed the supervisor XXXX proof of an email that i sent everything in on XXXX and again on XXXX and sent in the hud and all other documents in. into XXXX shell point stated they have everything. as in a purchase contract hud offer and all the financials. They had them and in order to order an appraisal for the bank shell point has to have all of the documents. they have them all and an appraisal was conducted. now before this foreclosure auction they tell me we do not have enough time. this is absurd is this because i am XXXX & gt ; this is not fair. i am going to contact legal counsel. this jerk XXXX is literally fighting with my counsel on the phone. please postpone the foreclosure date.
Product: Debt collection

HELVEY & ASSOCIATES INC Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, IN XXXX Account Number XXXX  Balance {$4200.00} Dates of Dispute & Letter of Complaint XX/XX/XXXX & XXXX XXXX XXXX
Product: Credit reporting

I applied for residency at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX phone XXXX ) and they ran my credit check through XXXX XXXX XXXX # XXXX XXXX, CA XXXX phone XXXX. They ran a Experian/XXXX FICO version XXXX credit report and my credit score came back at XXXX which is below the XXXX minimum they require at this residence. When I called to request my credit report from Experian, I was given a credit score of XXXX which is a version XXXX XXXX score they provide to consumers. I asked numerous times how can I improve my XXXX version XXXX score and no one in experian, XXXX XXXX XXXX XXXX even knew what a version 3 XXXX score was. I am trying to get a sense of what my current score is now since I have to pay {$70.00} each time to run a credit check at this residence and no one has been able to help me. I am in urgent need to correct this matter since I need to procure a residence asap for my new employment XXXX.
Product: Vehicle loan or lease

Account : XXXX www.keybank.com XXXX, OHIO USA Keybank is taking the interest rate 5.94 % on the outstanding balance each month any computing the Statement Interest incorrectly. They are computing the number of days incorrectly.

Finance people who financed the loan via key bank was for 54 payments of {$450.00} I make all the payments ahead of time and I should only be incurring about {$100.00} a month instead paying extra money for their creative ways of calculating number of billing daysl 1st pay statement on XX/XX/2019 is being charged 45 days at a compounded daily rate of 5.945 / 365 days = .000016274. They used start date of XX/XX/19 Problem 1 date range is from XX/XX/2019 to DUE date XX/XX/2019 ( 45 days ) Charging me on XX/XX/2019 for future dates? 
Also note : online in indicates loan did not start until New Loan XX/XX/XXXX 2nd pay statement on XX/XX/2019 is being charged 37 days Due Date XX/XX/2019 This is really BAD - Apparently it looks like they are using a date range of my last payment date of XX/XX/2019 to the future Due Date of XX/XX/2019 to come up with 37 days.

they already charge me for up to XX/XX/2019  in the 1st statement. DOUBLE CHARGING me an extra 6 days. 
3rd pay statement onXX/XX/2019 " SAME THING!!!!

38 days Due date XX/XX/2019 - They used date range of my last payment date of XX/XX/2019 to the future Due Date of XX/XX/2019 to come up with 38 days.

DOUBLE CHARGING me an extra 8 days. 
If there computer program is doing this to all their loans they are over charging customers that are paying as soon as they get the statement. 
With the size of KEYBANK this could be MANY MANY THOUSANDS OF DOLLARs that they are illegally charging consumers. 

See XXXX attachment, Copies PDF 's of statements and EMAILS from Keybank
Product: Bank account or service

In the month of XXXX I had some checks printed out from my bank at Navy Federal Credit Union at the XXXX XXXX XXXX, XXXX, CA XXXX location. Since the checks were given out I issued out approximately XXXX of the sheet of checks given to me. Upon writing out my fourth one I noticed that the check had my full social printed on it. I contacted them through XXXX message and had a representative tell me someone would contact me regarding the issue. I spoke to a gentleman by the name of XXXX ( incident:XXXX ) and he apologized for what happened and kind of suggested what I should do. He then offered to send me a box of complimentary checks. I also went to the branch personally and spoke to the person in charge at the time because XXXX had gone home for the day on XX/XX/2017. Once again they offered their apologies and suggested I should do all these things and pay for all this monitoring. ( The lady I did speak to did offer to reimburse me for any credit monitoring I elected to do ) My concern is with the fact that my social was printed out. When speaking to them I felt that I was blamed for the situation because the checks were in " my possession '' when those checks were written out but admitted guilt that it was a teller error. This is a mistake that should have never happened. I was explained as to why it happened, and in my opinion it should be 100 % preventable. There should n't even be an option for full socials to be printed out on a check. Even if it is an " old system ''. We live in a time where full social are not even really required anywhere just the last XXXX. For the reason alone that it is sensitive information. However, I was made to feel that it was n't really a big deal and that all I had to do was notify the credit bureaus of the situation and get credit monitoring. They assured me that it 's nothing to worry about that no one would really see those checks besides the person I gave them too. However, I find it hard to believe. One of the checks I wrote ended up being an NSF. He got a mail in the letter with a picture of the check and my full social appeared on it. So everyone who saw that letter had the opportunity to have seen my social. I would like for this to not happen again. And I would like a real resolution for this incident. I have a voided check still in my possession as proof as well of a copy of that letter that the person I gave the NSF check provided me with.
Product: Credit reporting or other personal consumer reports

I have a police report XXXX  XXXX. FOR THESE ACCOUNTS I did not open these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts mentioned below that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I noticed a XXXX 's old XXXX charge card on my credit report in XXXX. I never opened that card. I called the bank and they said without the account information they couldn't remove the card. Id never heard of this bank before this so of course I didn't know the account number. So I filed 2 disputed. They came back as not fraudulent when I know they are. Ive never confirmed the use of this card and I'm now in debt for a card that I did not open. Ive had multiple inquiries from companies and now my credit has dropped from XXXX to XXXX. I'm at a loss for what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a certified letter was sent to Equifax Credit Bureau exercising my right as a consumer requesting information through the method of verification, along with a copy of the record obtained on the bureau 's website with the purpose of knowing how bankruptcy information was obtained by the bureau. 
In the same letter, I highlight the time limit when this response should be delivered in accordance with the FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

According to the USPS records the letter arrived on XX/XX/2020 at the unit XXXX XXXX XXXX, XXXX, GA. XXXX, but as of today XX/XX/2020 I have not received any response from the credit bureau, therefore based on the credit bureaus lack of compliance with the method of verification I am requesting the item be deleted immediately from my credit report. 
This is a formal complaint which if no further action is taken by the bureau it should be considered as a step prior before pursuing legal action.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$XXXX} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request.

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice.

Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and experian are reporting two negative accounts one from XXXX XXXX and the other from XXXX XXXX XXXX.one was deleted once before under the previous debt collectors and then in XX/XX/XXXX added back on to my report.The current..I 've advised the reporting agencies and the collection agencies that these lines of credit were opened using my information without my consent. I never really checked my credit consistently until about 3 years ago and that is when I discovered these two accounts along with about 3 others which when contacted were promptly removed. The new debt collectors have also re aged the accounts to make it seem on my credit report like this is a brand new debt when in fact both the items are from XX/XX/XXXX and XX/XX/XXXX and they are reporting the accounts as just defaulting in XX/XX/XXXX and XX/XX/XXXX, because of all this inconsistent information on both of these accounts. I've disputed these two accounts over a dozen times since I first discovered them back in XX/XX/XXXX. One was finally removed in XX/XX/XXXX and then purchased by XXXX XXXX and put back onto my credit report in XX/XX/XXXX. All i've ever requested was for the last two negative accounts to be removed. If you look at my credit report I have over 12 credit cards for the past 3 years and not even one has ever been late ever these two accounts don't even match the consistency of all of my current accounts. I would never take out a payday loan product to buy anything ever because it is a recipe for disaster and its classic predatory lending targeting poor and desperate people and taking advantage of their situation for financial gain and there are easier ways like establishing credit ( which I have ) and making payments on an actual credit card ( which I do ). thank you for your time
Product: Credit reporting or other personal consumer reports

Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail. Requesting documents with my signature given the consent to share my personal information with third party non affiliate companies 15 USC 6802 ( b ) opt out ) ( 5 USC 552 ( a ) 16 CFR 313.7 16 CFR 433.2 -433.3
Product: Debt collection

For over a year, Representatives from Allied Interstate LLC ( A debt collection agency ) have been making threatening and harassing phones calls to myself and distance relatives ( giving these individuals personals and private information ) in an attempt to force payments for a XXXX XXXX XXXX that they claim that I owe but when I asked on numerous occasions last year for them to produce a promissory note and a copy of such information they never sent it. But, they harassed my terminally ill father via telephone calls concerning a loan that he had no knowledge of and is not responsible for. This harassment of my terminally ill father ( who passed away last year ) and his family continue all of last year and now. Allied Interstate LLC representatives were told several times that I did not live and have not lived with my father for over 44 years but these individual still harassed him and his family and they even gave them personal and privacy information about myself. They have also claimed to be family members and government employees in attempt to gain my trust and to collect this student loan debt. They have also claim that the interest and fees on this loan grows daily and legal action will be made to collect this so-called debt. They have been informed that several years ago all of my student loans were consolidated to XXXX Success and I do not owe a XXXX XXXX XXXX. I have also asked them to stop any and all contact with myself and family members but now they are calling me from XXXX every day and night and just hanging up or not saying anything on the phone when I answer.
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts listed on my credit report tonight, and I cant figure out how this happened. I check my report regularly, but this time, there were unexpected discrepancies. I thought maybe it was just a browser issue, so I refreshed the page, but the wrong information didnt go away. Now, Im asking for a careful review of the documents Ive provided so I can finally stop worrying about this situation.
Product: Checking or savings account

Optum Bank sends extremely vague, undated notices to customers that are impossible to correlate with any particular transaction. An example is attached.