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

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}
Product: Checking or savings account

This is a fraud case-Umpqua Bank recently acquired by Columbia Bank I watch my accounts pretty closely and towards the middle of XXXX of last year, I noticed a couple of funds transfer attempts while reconciling my debits.I decided to stop in to my local branch since I had to go downtown anyway. They pulled my account from their end and saw nothing, I showed them from my phone, and they explained to me that corporate doesn't talk to local branches, and they just referred me to call corporate. Floored, I walked out of there. XXXX days later {$2600.00} was taken out of my account through bill pay ( which I don't use ) to an account at XXXX XXXX. I stormed back into the branch, and they were quick with the apologies and again referred me to their XXXX # which I called right from their lobby. They quickly closed my account, reissued me a new card, saw suspicious activity and assured my funds would be put back into my account. I go make a police report, receive a case # XXXX Over the following weeks I don't see my funds anybody knows why, then I get a denial letter, Im livid and call for them to say it was filed to the wrong department ( I guess they have XXXX fraud dept. ) it gets filed correctly and to this day when I call it's XXXX hour to get through, and they say they're waiting for somebody at the top to do something, and I'm not the only person this has happened too. I ask why can't you call XXXX XXXX, with the account number and bring a XXXX  cop with you?! They stammer and say it's not that easy. I say so you're allowing this then, Your inept security is causing me to almost be homeless. I think I'm in the twilight zone!
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX
Product: Debt collection

In fall of XXXX, I cancelled my home internet, cable and phone with XXXX to take an offer another company. I paid my bill and XXXX sent a box to return the equipment. That box never arrived, so I called and asked for another box. I returned the equipment ( modem ) in that box and that was that. 

Starting in XXXX, various collection agencies attach a $ XXXX collection to my credit report. Calls to XXXX are completely unhelpful - after hours, I finally found out that they are stating that I never returned the modem and that is the charge with the collection agencies. The collection agencies won't remove it and XXXX won't remove it as it has " gone to collections '', but it is not payment that I owe, so I refuse to pay any amount. 

Just recently, another collection agency posted to my credit report that this was a new debt from XX/XX/XXXX, so I don't even have the option of it aging out of the system ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have once again unsuccessfully been able to have my payments show posted on all three credit bureaus with USAA/Nationstar after over 300 hours on the phone, with phone records I have kept and now two complaints to have payments posted as reflect with bank statement showing date on all checks cashed by USAA/XXXX as of XXXX XXXX for my XXXX loan. I have also asked for my FICA score to be reversed due to USAA/XXXX not submitting payments made since XXXX XXXX after cashing checks with my XXXX loan. Which has also negatively affected my credit score. I am now asking for this important matter to be reopened due to printing out all three credit bureau reports as of yesterday showing payments still not being shown as made and credit score reversed. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I need CoinBase/XXXX to stop holding my money XXXX. 
They won't even let me LOG IN to see what happened to my balance. 
No one is giving me real answers and they *refuse* to give me any information about the status of my account.
Product: Vehicle loan or lease

I paid my down payment, and they got my loan approved through Start Auto Finance. Then they repossessed my car illegally. They are trying to get me to pay an additional {$4000.00}, and now the finance company is recalling the loan even after I've made my first car payment. The Dealership and Start Auto Finance are working together because when I called the branch manager, XXXX, she said I need to show proof I paid the full down payment, which I did according to the contract. He made a bill of sale with no dates and added fraudulent dates. Now they have my car and are trying to keep my down payment. I'm also filing complaints with DHSMV and OFR. Additionally, they are trying to charge me repo fees illegally, and they were not even allowed to repo my car. The finance company claimed they paid them, but when I spoke to XXXX, she said they have not paid them. I'm not sure how that is even legal when they sent me my welcome letter, and I paid my initial car payment. Also, they are trying to charge me to get my personal belongings and keep items out of my car. The repo guy, XXXX XXXX, stole items out of my car, and all three of these companies are working together illegally. His LLC is inactive when I looked on XXXX as well. I've filed every complaint I can as these companies are committing bank fraud. they are keeping my down payment, the car, not returning my plates or personal belongings. They are trying to resale my car on XXXX and keeping all my money. I'm not in any default of any contracts that they are claiming. Start Auto Finance is working completely illegally with XXXX XXXX XXXX XXXX and they both need to be investigated because I know I'm not the only victim. there are tons of complaints on both companies. 
I upheld all my stipulations, but XXXX XXXX XXXX XXXX intentionally stalled the process. They repossessed my car on XX/XX/24, even though I submitted all documents on XX/XX/24. They deliberately gave me the runaround, timing it on a Friday evening to hinder communication. Finally, I reached XXXX on Monday, but she made me wait until Tuesday for my contracts. She demanded proof of full down payment, which I had already provided as per our contract. On our interview call, I clearly stated that the down payment was made. It's evident that XXXX and XXXX XXXX XXXX XXXX are colluding to defraud me. I submitted a copy of my receipt that I paid to start auto and it clearly states no side loans or balances! This is bank fraud!
Product: Checking or savings account

Someone opened up an account in my name. I contacted the Bank & they are resolving this. I am reaching out to you to report that my name & address was used in a identify thief. What can I do to protect my identity?
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : I am writing this complaint, because I have been trying to get a 30 day late payment off of my credit report. XXXX 's has been reporting a late payment on my account since XX/XX/XXXX. I have disputed this issue with the credit bureaus, Trans union and XXXX, it does not show up on XXXX. I have called and have spoke with several different representatives and have been told that this account can't be undated, corrected, or changed with them and was directed to the credit bureaus. And was told the same from XXXX and Trans union both say verified in the response. I spoke with someone on XX/XX/XXXX and asked to have the notes from that conversation to be sent so I could include those in this complaint. As of XX/XX/XXXX. That is the day I started this claim, I checked my XXXX account, and it is stated that my account with XXXX 's has been closed. It won't even show on my credit karma account. I called, and spoke with XXXX, asked about notes from the XX/XX/XXXX call, she said no call was on file for that date. Ask no call? Was told the last time it shows I called was in XXXX of XXXX, she also stated that my account was closed on XXXX of XXXX, and the last payment that they received was XX/XX/XXXX I asked several times are these dates accurate, and was told yes. I asked to speak with a supervisor ( XXXX ) which she told me I needed to call back and speak with someone in the credit dept since they were closed. I ask was the account open and active, she said yes. So I asked to place an order and was advised that their maybe a hard inquiry if I did, even though she said that my account was open and active. I find it very stressful, exhausting, and a bit frustrating at times to speak to so many different representatives and get different answers and reasons why my account is reporting late and nothing can be done. And now to look and my account is closed, so much more damage to my credit report, than that 30 day late now. Payment history, age of account, tradeline. It feels like retaliation to my calls and disputes. This claim is to get this issue corrected, and also to help anyone to avoid going through this situation. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2, also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX XXXX XXXX2023. The are violating my privacy rights.
Product: Payday loan, title loan, or personal loan

Avant, Inc. who I have a personal loan with improperly submitted information to the credit reporting agency stating I was 30 days past due on a payment. I was never notified that the company was contemplating placing the account in a late status which is in direct violation of the Fair Credit Reporting Act. This regulation states that I have the right to be notified if any financial institution submits, or plans to submit, negative information to a credit reporting agency. This information may be  included in a billing statement or a notice of default. I was never contacted by this company prior to this information being reported to the credit reporting agency.
For clarification purposes, this complaint is against Avant, Inc. and the information this company inappropriately and erroneously sent to the credit reporting agency.
Product: Credit reporting or other personal consumer reports

I opened an XXXX XXXX XXXX card with a limit of {$3100.00}, used it responsibly, and made all my payments on time. A few months later, I received a letter from XXXX stating that my account would be closed. When I called to inquire about the reason, they would not provide an explanation. I filed a complaint and eventually received a response stating that the account was being closed due to a " past account '' with them from around 2012. I insisted that they open a fraud investigation, as I had never had an account with them before, which they agreed to. However, in the meantime, my account was still closed. I paid off the balance in full shortly after learning of the closure. 

Later, I received a letter confirming that I was not at fault, and the " previous account '' was determined to be fraudulent. They also stated that all negative history related to this account would be removed from my credit report. Despite this, I expressed my dissatisfaction with the account closure, as it was no fault of mine. XXXX refused to assist, and when I asked for help removing the current account from my credit report, they informed me that my account had been purged from their systems and they could do nothing further. 

Under the Fair Credit Reporting Act ( FCRA ), it is illegal for any company, including XXXX, to report inaccurate or misleading information to the credit bureaus. Specifically, the FCRA requires that information reported to credit agencies must be accurate and updated when a dispute or error is identified. Given the circumstances, I believe this violation of my rights, along with the mishandling of my case, warrants a fair resolution. The account should be fully removed from my credit history as a sign of goodwill, especially considering the stress and frustration Ive experienced through this process.
Product: Mortgage

I am looking to refinance my VA Mortgage. I contacted Sovereign Lending Group, filled out an application with them and received an offer. After more research I decided to go with another company for a better deal. Sovereign has called me at least six times and every time I tell them I am going with another company. The last two times I have asked them to delete my personal information from their system and to stop calling me. I do not have the dates/times/or numbers that they called me from as at the time I didn't think that I needed to track it. Yesterday ( XX/XX/19 ) I received an email indicating that they still have my information in their system. I am responding again to ask them to delete my information but given their past actions I have zero confidence that they will actually do it, hence this complaint. 

This is the email : Dear Mr. XXXX, My name is XXXX XXXX and I am a licensed loan agent with Sovereign Lending Group in the retention department. I am following up with an application or inquiry you had made recently regarding a refinance of your mortgage loan. 

Interest rate : 3.75 % Skip mortgage payment : XX/XX/XXXX/XX/XX/XXXX Cash out : {$400.00} Please let me know what I can change to earn your business today. You can reach me at Direct line : XXXX Cell : XXXX ( text ) Thank you, XXXX XXXX NMLS : XXXX Mortgage Loan Originator Sovereign Lending Group XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Direct | ( XXXX ) XXXX eFax | ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX 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
Product: Debt collection

I have received numerous calls from this debt collector during the hours of XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

Can not get through to Transunion on their line, XXXX to report their apparent mistake. An endless series of recorded ads for such services as insurance, devices, etc. can not be avoided or escaped from no matter how you reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act, XXXX account ending with XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Remove these late payment and update this account Immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX  XXXX XXXX Balance Owed : {$190.00} ; XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX Balance Owed : {$630.00} ; XXXX XXXX  XXXX Balance Owed : {$95.00} ; XXXX  XXXX XXXX Balance Owed : {$21000.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion, XXXX, and XXXX for failing to correct inaccuracies on my credit report, despite my repeated attempts to resolve this issue. I previously requested a re-investigation, but these agencies closed my last complaint without addressing the ongoing inaccuracies, which are still present on my credit report. 
This situation violates the Fair Credit Reporting Act ( FCRA ), specifically : FCRA Section 1681i : The credit bureaus failed to conduct a proper re-investigation of the disputed information, leaving erroneous data on my credit report.

FCRA Section 1681e ( b ) : The agencies have not ensured that the information on my credit report is accura
te and complete. The inaccurate data still remains, suggesting that reasonable procedures to verify the information were not followed.

FCRA Section 1681i ( a ) ( 1 ) ( A ) : My dispute was closed without adequate investigation or meaningful action, violating the legal requirement for proper dispute resolution and follow-up. 

Despite my multiple attempts to resolve this, the inaccuracies persist. I demand that TransUnion, XXXX, and XXXX comply with the FCRA by promptly correcting my credit report and conducting a thorough re-investigation of the disputed items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing my account with XXXX, XXXX and Experian for quiet sometimes now and they still have not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

XXXX Account # : XXXX XXXX Account # : XXXX Experian Account # : XXXX I have sent and screenshot of my credit report as long with my credit report and this debt has been canceled you can see it on the comment section. If Im not mistaken canceled means that the debt has been written off to the IRS so I have every right to have this account removed from my credit report.
Product: Debt collection

I had a total of 3 medical collections account from XXXX XXXX XXXX removed. However, there is still one collections on there for the Physician. I do not understand how this is still there. If 3 were moved and deleted why am I charged for a Physician for one of those accounts that was incorrectly place on my credit report and been there for months hurting my score..I wasn't treated my a XXXX XXXX and didn't pay. I've always had medical insurance for the most part.. The collection was sold to Transworld XXXX