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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX Balance XXXX {$1200.00} XXXX XXXX XXXXXX/XX/XXXX ; Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00} ; XXXX XXXX Balance : {$4600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX.
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUPLICATE On XX/XX/year>, I received a letter from TransUnion stating that they had completed an investigation into the collection account with XXXX XXXX XXXX related to XXXX XXXXXXXX XXXX XXXX, and that the investigation verified the debt. However, it is clear that TransUnion did not complete a thorough investigation for several reasons : Inaccurate Spelling of My Name : TransUnion does not have the correct spelling of my name, which I have provided them through my previous communications and complaint submitted to the CFPB on XX/XX/year>. The continued use of an incorrect spelling demonstrates that they did not accurately or thoroughly review the information I provided. 

Failure to Provide Requested Documentation : I requested specific information from the debt furnisher, including the contract assignment, which has not been provided to me within the 30-day period as required by law. There is no way that TransUnion could have verified the inaccuracies reported by the debt furnisher without this documentation. 

Legal Violations : Fair Credit Reporting Act ( FCRA ) Violations : Section 611 ( 15 U.S.C. 1681i ) - Procedure in Case of Disputed Accuracy : TransUnions failure to conduct a thorough investigation and their verification of the debt without receiving the necessary documentation from the debt furnisher constitutes a violation of the FCRA. This section mandates that if a consumer disputes the accuracy of any information, the credit reporting agency must conduct a reasonable investigation and delete or correct any inaccurate, incomplete, or unverifiable information within 30 days. 
Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) - Requirement for Reinvestigation : Since the proper documentation was not provided to me within the 30-day period, TransUnion can not legally claim that the debt was verified. Therefore, they are obligated under the FCRA to delete this account from my credit report. 
Section 605 ( a ) ( 15 U.S.C. 1681c ) - Requirements Relating to Information Contained in Consumer Reports : TransUnion is required to report only accurate information. The continued presence of this collection account, despite its inaccuracy and the failure to receive the requested documentation, is a violation of this provision. 
Falsification of Investigation Results : The fact that TransUnion claims to have verified the debt without receiving the necessary documents suggests that they have falsified the investigation results. This is a serious breach of their legal obligations under the FCRA and further supports the need for immediate deletion of the account.
Product: Debt collection

FIRST FEDERAL CREDIT CONTROL {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ask for the ownershipand validation of debt and was never provisded to myself or XXXX, Need to remove it.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to address inaccuracies and outdated personal information reported by XXXX, Equifax, and XXXX on my credit reports. Despite my efforts to update this information according to Metro 2 reporting standards, my credit reports still reflect incorrect details.

The specific inaccuracies include : 1. **Incorrect Address Information** : Previous addresses are reported as current, contrary to the Metro 2 standards that require accurate and up-to-date information.

2. **Outdated Phone Number** : My credit reports list an outdated phone number. Despite providing my current number in the attached Metro 2 reporting standard letter, the changes are not reflected.

3. **Other Personal Information** : There may be additional discrepancies, such as misspellings or incorrect dates of birth, that need correction for my credit reports to be accurate and complete. 

These errors violate the Fair Credit Reporting Act ( FCRA ), which mandates accurate and complete information. The persistence of these inaccuracies is frustrating and detrimental to my credit profile. 

I request the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure that the credit bureaus promptly update my personal information as per the attached Metro 2 reporting standard letter. Accurate personal information is crucial for maintaining a fair and accurate credit profile.

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I called the credit reporting agencies letting them know the inquires and accounts below are unauthorized/ not supposed to be visible on my consumer report. I Never gave them permission or consent to report them. This Aggravated identity theft. 
FTC document included below. 


Aggregated identity theft XXXX XXXX XXXX
Product: Debt collection

Remax Collection agency contacted me via telephone that I owe XXXX outstanding balance XXXX. I never received any bill stating I owe money XXXX. I am disputing these debts because I do not owe them. The office of my primary care physician voluntarily elected to send XXXX to creditors XXXX. I never entered such contract or agreement with them. Upon submission of my health insurance cards to my physician 's office it becomes their responsibility as network provider to submit any services to the appropriate in network lab. Any practice to submit out of network lab was beyond my control and was without my authorization.
Product: Debt collection

this account as open XX/XX/year> fraudulently I told them this however they never closed it and it keeps hitting my credit score plus is still reflecting and I'm getting charged for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent accounts on my credit report.
Product: Vehicle loan or lease

I have an auto loan with Ally Financial ( www.Ally.com ) Ally provides online banking to make payments online on Ally website. When making a payment Ally gives two options ( quote ) : > Apply to the outstanding balance of amount financed ; Ill still owe my next regularly scheduled monthly payment ( Trying to make a principal-only payment? 
What you may think of as the principal amount on a traditional loan ( like a mortgage loan ) is referred to as the amount financed on your Ally vehicle financing contract. This selection is Allys closest option to a principal payment. Assuming you keep making all your scheduled monthly payments, this is the fastest way to pay off your vehicle. ) > Apply to reduce the amount of my next regularly scheduled monthly payment.

Here 's my complaint : [ a ] deceitful payment options [ b ] setting a trap to miss due payments. 

[ a ] The first option ( quoted above ) advertises principal only payment, where the entire payment is applied to unpaid balance. ( This is also a default payment choice. See more below in section [ b ] ). When I chose to make a principal only payment option, Ally paid accrued interest charges first, and the remainder was applied to principal. 
Here are the particulars : On XX/XX/2020 I made a {$250.00} principal only payment, of which {$46.00} were applied to finance charges. I chose this option specifically to reduce the outstanding balance not to pay a regular payment due. I also made a {$300.00} principal payment in XXXX XXXX same problem, yet I discovered the issue with deceitful payment processing activity at Ally only recently when I decided to check the details of the principal payment made on XX/XX/2020. 
I spoke to Ally representatives via email XXXX case # XXXX XXXX, and on the phone. I was advised that they always pay interest first before paying down the principal regardless if the payment was intended as a principal payment only.

[ b ] Secondly, when making a payment online on Ally website, the first option ( see quoted options above ) is chosen by default, leading a customer to make a payment without satisfying the amount due ( or the regular scheduled payment ). 

It appears that Ally set up the payment portal purposefully [ a ] to mislead the customers into the belief that the principal only payment is applied fully towards the principal, and [ b ] to trap customers into missing a due payment despite making a payment to generate late payment fees.

Additionally, the payment history does not differentiate between the two payment  options, making it impossible to track what payment type was chosen, and how it was applied towards the loan balance. Nowhere on the website it show accrued finance charges and the unpaid balance after each payment.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other attempt to inform CREDIT BUREAUS that I am a victim of identity theft and to file a complaint about specific records in my document as a result of their misbehavior. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, block the mention of any information in my credit report that resulted from alleged fraud. According to Section 605b of the FCRA, CREDIT BUREAUS is required by law to remove any ITEMS or information discovered to have been opened as a result of identity theft. 


XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX FIN XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting

I do not understand what or why I 've been filed with the following agency. I tried contacting them but I have to call during working hours Monday thru Friday. I ca n't because I 'm at work during those hours. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX *this number is wrong. The correct number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to resolve this matter directly with the furnishers but never received the courtesy of a reply or any communication from them whatsoever. Therefore, I will be instituting legal action against each for violating Title 15 U.S.C. 1681i, also known as the Fair Credit Reporting Act ( " FCRA '' ). 
In any event, I request you delete these inquiries in to ensure that my credit report is accurate and correctly and fairly reflects my creditworthiness. As I am sure you are aware, the FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance of violations of its provisions. More specifically, as you likely are aware, Title 15 U.S.C. 1681n & 1681o provide for, among other things, punitive damages and attorney 's fees. 
In any case, in light of the above, your continued unwillingness to abide by the FCRA can no longer be tolerated and any further willful noncompliance, and failure to promptly resolve this situation will leave me no choice but to commence legal proceedings against you for your unjustified actions. 
Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your reinvestigation " not later than 5 business days after the completion of the reinvestigation. '' Federal Law states that you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Experian XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXInquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX- Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX  Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX  Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX7 + All Banks
Product: Debt collection

I have a wage garnishment for XXXX XXXX XXXX, that is being garnished from my paycheck every two weeks. when I recently called Pressler and Pressler to see what was still owed I was informed that Im also being garnished for a credit card XXXX XXXX. I never was served. When asked what address the processor served the papers I was told an old address on XXXX XXXX in XXXX. But papers for the hospital came to XXXX XXXX XXXX XXXX in XXXX NJ. She said its a linked judgment, I was only informed about XXXX  XXXX  being garnished from my paycheck not XXXX XXXX. You cant have a linked judgment with a credit card and a hospital bill that is from two different entities. I just recently asked for validation of debt and disputed the debt as well. I was told the debt is almost paid in full and I shouldnt stop paying. But its a wage garnishment that was suppose to Be for XXXX XXXX XXXX only. She also told me the debt came into their office one year apart. This is in violations of the FDCPA underhanded collection practices. Collecting on two debts but making it looks as if its one debt. The collector told me I have been paying in this for years. And she never seen this happened before. If I didnt inquired about how much is left in this debt I would have never known I was also paying on the same wage garnishment a credit card. From my understanding in the state of New Jersey you can only have one wage garnishment so they combined the two to make it look as if its one without my knowledge.
Product: Credit card

Credit card swipe charges : There is not just 1 credit card company that charges 3-10 % its numerous. Consumers as well as merchants are being charged an outrageous amount when using various bank debit and credit cards for purchases. Recently we've paid 3.5 % at our county courthouse when using our bank debit card. Fortunately I had enough cash to cover the {$28.00} for the renewal. This is happening everywhere as small businesses can not easily recoup the charges so it goes on to the consumer. Recently we purchased a new dryer, if we would have used our debit card, there would have been a 4 % charge added for the swipe fee. We purchased new tires for a vehicle, again, 4 % charge to use the debit card. Fortunately with both, we wrote checks to avoid the charge. 
Now seriously what is this fee for and who does it go to? If you consider a full day of business sales, and most consumers use debit or credit cards, each purchase is charged 3.5 - 10 %? They are making in millions of dollars a day. Come on, why has nothing been done about this? For credit cards, consumers pay an outrageous amount for interest fees ( if there is a balance month to month ), is that not enough? Big box stores are paying way less than small businesses also. Whats up with that? 
Please put some focus on this issue. Paying with cash is not the answer. I don't believe when paying cash all businesses claim cash purchases. XXXXXXXX XXXX will not take cash so you really have no choice to pay with debit or credit card + this swipe fee. This is just a horrible thing that is happening to the consumers. 
Again, please put some focus on this! We the people need a break from this nonsense. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear CBXXXX, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report. This action is a clear breach of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state laws concerning identity theft and fraud. 

It has come to my attention that CBXXXX has reported information to my credit report without my explicit consent. Under federal law, as outlined in the FCRA, consumer consent is a mandatory requirement for such reporting activities ( Section 1681b ( a ) ( 2 ) ). 

In addition to federal law, Missouri state law provides protection against unauthorized reporting and identity theft. Missouri Revised Statutes Sections XXXX and XXXX emphasize the need for consumer consent and establish strict penalties for the unauthorized use of personal information. 

I assert unequivocally that I have not provided consent for CB/XXXX to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and disregarding both federal and state laws. 

I demand that CBXXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri 's identity theft laws. Failure to comply within 30 days will be considered willful noncompliance and subject to penalties under applicable laws. 

Obtaining consumer consent is a legal obligation under the specified sections of the FCRA and Missouri state law. This is a demand for compliance with both federal and state regulations to protect consumers like myself from unauthorized and harmful credit reporting. 

I expect your immediate attention to this matter and anticipate that CBXXXX will promptly rectify these violations, respecting my rights under federal and Missouri laws XXXX 

Sincerely, XXXX XXXX XXXX