23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance.

Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : XXXX. XXXX XXXX TransUnion LLC, XXXX XXXX XXXX XXXX ( XXXX ) The XXXX Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
2. XXXX XXXX XXXX XXXX Bank, XXXX, XXXX XXXX XXXX. XXXX  XXXX ( XXXX Md. XXXX ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
3. XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX Fed XXXX XXXX. XXXX ( XXXX Cir. XXXX ) XXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
4. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
5. CFPB XXXX XXXX against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( s ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences. 
Demand for Reinvestigation Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of this account ( s ) : XXXX XXXX XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX-Balance {$0.00} XXXX-Balance {$0.00} XXXX-Balance {$0.00} XXXX-Balance {$0.00} XXXX XXXX XXXX-Balance {$2900.00} XXXX-Balance {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates LLC has been contacting me about a statute of limitations expired debt. They admit that debt is too old for them to sue me for collection. But they continue to report debt as starting in XXXX 2012 ( when they bought this account ) even though debt is over 7 years old. I have sent cease and desist letter and asked them to remove the expired debt from my credit reports. But they do not do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my credit report from TransUnion. I was not shown a bill ; however, I was billed upon being shown my credit report for " credit monitoring ''. I emphasize that no bill was shown or available, and thus the charge is fraudulent.
Product: Payday loan, title loan, or personal loan

I signed for for an amortized loan for solar panels for my house. However, they are taking no money off of principle whatsoever. As a matter of fact, I made higher than normal payments, and they have not taken a single penny off of my principal. When I have called to speak to a manager they gave me the runaround and told me nothing was available. So far I made payments and my balance have gone down XXXX even when I made additional payments. My payments are {$210.00}. Ive been making payments at {$300.00} in order to pay off the principal quicker but they have taken no money off even for making the original payment. Please see attached email in which the balance does not change and they write it off as payment for interest. This is not at interest only loan and if it was, the difference/additional still should have been applied to the principal. They are literally just taking my money into their pockets.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be updated. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be updated immediately. 

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
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inadequate Investigation into Credit Reporting Violation of FCRA ( 15 USC 1681 ) To Whom It May Concern, I am filing this complaint regarding Transunions investigation into inaccuracies on my credit report. I believe their actions are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, Section 602 ( a ), which mandates that consumer reporting agencies ( CRAs ) act fairly, impartially, and with respect for consumer privacy when fulfilling their responsibilities. 
Explanation of the Issue Failure to XXXX a XXXX XXXX : Transunion failed to investigate disputed information thoroughly, relied solely on automated processes, and did not provide adequate documentation supporting their findings. 
This lack of due diligence undermines the FCRAs purpose of promoting accuracy and fairness in consumer credit reporting. 
Violation of Privacy Obligations : The FCRA requires CRAs to respect the privacy of consumers. 
The furnishing financial institution has disclosed late payment information to unauthorized parties or fails to protect such data from unauthorized access. 
The XXXX financial institution has not informed me of my right to opt out of sharing my personal information with nonaffiliated third parties. 
Inaccuracies in Credit Reporting : TransUnions failure to ensure the accuracy and validity of the disputed debts and accounts has caused significant harm. These ongoing reporting errors have resulted in consequences such as denial of credit, higher interest rates, and damage to my personal and financial reputation. 
Legal Basis Under 15 USC 1681, CRAs are required to ensure the accuracy of credit reports and respect consumer privacy. 
15 USC 6801 requires financial institutions to protect nonpublic personal information and respect customer privacy.

15 USC 6802 ( b ) and ( c ) obligate financial institutions to provide clear options for consumers to exercise their nondisclosure rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personify Financial, this item is fraudulent. I never signed any physical or electronic agreement with there institution for a loan. I have written to them and XXXX credit bureau. I have provided sufficient documentation showing the acct id fraud. However, my words seem to fall upon deaf ears. I need this fraud acct to deleted most expeditiously from my credit report please.
Product: Checking or savings account

On XX/XX/XXXX, Capital one sent me an email informing me that my account was being closed and that my money would be transferred to an external account. After a month went by, I filed a complaint because they were still holding my {$4500.00}. They responded that they wouldnt transfer it until all disputes were closed. All disputes have been closed and they are still holding my money.
Product: Prepaid card

I had the Rushcard since XX/XX/XXXX. XX/XX/XXXX they were having technical issues and people were not able to access their money. They stated that they would be compensating it 's customers for the problems they encountered just as I was in the process of moving my direct deposit from them. I opened a XXXX account and have been with them since. Recently, I wanted to go back to Rushcard because I liked getting paid 2 days earlier. On or about XXXX/XXXX/XXXX, I called Rushcard to make sure everything was ok with their system and if my account was ok for direct deposit again. I was told that everything was good, thanked me for being a customer since XX/XX/XXXX and never mentioned any negative balance. I was in contact with Rushcard for over a week before my direct deposit went in and.no one ever mentioned a negative balance until I called them about not receiving my pay. Rushcard is saying that they deposited my payroll twice in error. From XX/XX/XXXX I was never contacted about this. I am a XXXXyr old grandmother of XXXX on a budget and they just took my entire paycheck, XXXX. I had to borrow money to pay my rent. I can not pay my utilities. I called and begged them to make some kind of payment arrangement with me but not to take my entire pay. They told me they would escalate the issue and it would take 2 business days. This was on Friday XXXX/XXXX/XXXX. I called them back after not hearing anything on Wednesday XXXX/XXXX/XXXX and was told my money would be posted back to my account in 2 business days. When I called back on Thursday about not seeing my next paycheck I was told that the information about the pay they took going back to my account was incorrect. I was counting on this, making promises to my bill companies and all. She said if no one contacted me in 2 business days, that meant the escalation was denied..This is a huge huge loss I can not have. I will be in the dark, my cable and car will be gone. Rushcard should not be able to make people suffer for their mistakes. i thought the extra money was the compensation rushcard was giving customers. They never said how much or when they would be doing it. I am perfectly willing to pay the money back but not like this. I am suffering a great deal. My bills were already late so now i am in desperate trouble. These people can not get away with this! I am going back to XXXX. I would have never gone back to a company knowing i took funds from them. I did not know and they never told me, just took my money. I will also lose my health insurance which i desperately need. I need help, please! 

Thank you in advance for anything that you can do. 
God Bless You!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed dispute regarding 30 day past due on credit report with XXXX XXXX back in XXXX. This was the only negative mark on a lease that terminated XXXX XXXX Credit reports for all three companies reported for myself and my wife that good standing and closed with no amount owed. I get email back from experian saying dispute is complete and we have owed XXXX XXXX XXXX $ for since we turned in the vehicle XX/XX/XXXX. We never received a notice after XXXX which was the wear/tear letter from them and paid them the XXXX owed. We have not received any phone calls, letters stating we owe money or collections. We have bought two cars and a house since then and nothing on our credit reports. When talking to XXXX XXXX they are stating that they always have reported this and all three credit reporting companies did not report it. They are demanding the XXXX, which I payed on XX/XX/XXXX to stop the hemorrhaging on our credit report. I am trying to get them to remove this from both mine and my credit report but they are saying federal laws says that they have to report this. I find it unethical that after 4 years without any contact that they can just claim we owe back money and put it on our credit reports. We moved three years ago and this was not on our credit. We have bought two cars and its not on our credit. 
XXXX XXXX stating they are going to do an audit to see what happened. 

I'm so upset as if we had known 4 years ago we would have paid it instead of it popping up on our credit report 4 years later. I am also filing complaint with State of Mi attorney general and XXXX Companies to report credit history correctly and if we had owed the money reported it correctly so we knew something was not right 4 years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, which is against federal law. The last letter I sent to the three credit bureaus included the words last XX/XX/2022 in it, but no response was received. In accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), these accounts must be verified ( 1 ). ( A ). If you fail to verify these accounts, I will file a lawsuit against you. In order to quickly settle this issue, kindly follow the legislation. I need you to correct the following accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX 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
Product: Credit reporting or other personal consumer reports

I mailed using XXXX certified mail my dispute letter to TransUnion on XX/XX/24 ( see attached ). In my letter I provided all necessary information including my driver 's license, social security card and, utility bill and the detailed reasons for my disputes of these accounts : XXXX  # : XXXX HIGH BALANCE : {$3500.00}, XXXX  # : XXXX HIGH BALANCE : {$4000.00} and, XXXX # XXXX XXXX. Yet the response I received from TransUnion, dated XXXX ( attached ), complained of my not providing sufficient information for their being able to process my disputes. They stated " we are unable to process your request because we were unable to determine the nature of your request or your request was illegible. '' As you can clearly see I provided the account name and account number and also included images of the information being disputed.
Product: Credit reporting or other personal consumer reports

I looked at equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : New horizons finance company Account number : XXXX Account name : New horizons finance company Account number : XXXX And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit card

This is against Synchrony Bank as a representative of XXXX XXXX. After months of making regularly scheduled payments, XXXX and/or XXXX XXXX reduced my credit line to {$860.00}, the approximate outstanding balance, even though the account is in good standing. These actions serve to negatively affect my credit scores with all XXXX credit reporting bureaus. These entities should not be able to arbitrarily take such action with the end effect of wreaking havoc on my credit scores. They have taken similar actions against accounts in my wife 's and daughter 's names, both of which come out of the same budget and household income, separate complaints for which are being filed simultaneously herewith.
Product: Student loan

I took out a loan for US {$13000.00} from Sallie Mae to pay for my first year of XXXX tuition at XXXX and, after the semester started, requested a refund of the small cash difference. After much argument and delay, XXXX 's sent me a refund. However, there is still roughly US {$340.00} missing and unaccounted for, despite my formal XX/XX/2016 complaint [ attached to this CFPB complaint ] to XXXX ( who had no response ), the Department of Education ( who had no response ), and Sallie Mae ( who claimed it 's not their problem ). 

At this point, I consider the money missing/stolen, yet I am still paying interest and principal on these missing funds. Moreover, the " it 's not our problem '' approach from Sallie Mae -- my lender -- is as wildly unacceptable as the non-response of XXXX 's to inquiries from both myself and Sallie Mae.
Product: Credit reporting or other personal consumer reports

asked all 3 bureaus to investigate accounts on my credit report involving XXXX XXXX, investigation came back as verified but was not given a sign contract with my wet signature, was not given information on who was spoken at the company, dates when XXXX XXXX to them, to verify i owe debt. I was also not given prior statements showing payments nade onto account. When i contacted XXXX XXXX i was rold they do not have any contracts signed by me so how was information verified by credit bureaus
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : complaint # s XXXX for Lexisnexis XXXX for XXXX  This complaint was made early in XXXX of XXXX Both " investigations '' have been completed and there has been NO CHANGE made to my credit report. 

Somewhere there has been a MAJOR COMMUNICATION ERROR with this govt. agency, a major credit reporting bureau, and the fact finders that have been employed to collect data. 

I filed bankruptcy with my ex-husband in XXXX. I acknowledge that. I have never disputed that!!!!!!! 

However, XXXX  has that 1 bankruptcy reported 2 times. This is affecting my credit and creditworthiness!!!!! XXXX  will not remove the duplicate item. They say that Lexisnexis is reporting it, that they are responsible for correcting this error. 

Lexisnexis says that I filed bankruptcy in XXXX with my ex husband, and will not change the reporting. 

CFPB is relying on the " investigations '' of these companies to resolve the original complaint. 

I am complaining today, XX/XX/XXXX, that these companies are not fixing my credit report. This is my second complaint. 

Please remedy this. Recap : I have 1 bankruptcy filed with my ex-husband in XXXX. XXXX  has this reported as 2 bankruptcies in XXXX. I want the DUPLICATE public record removed from my XXXX  credit report. NOT THE ORIGINAL, JUST THE DUPLICATE. 
I do not care who has to do what to get it done, I just want it done. I have filed, in total, 3 disputes with XXXX, 1 dispute with Lexisnexis, and now 2 complaints with CFPB. Why is this not sufficient?
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against XXXX for the very same laws that Transunion appears to violating, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes, These failures align with my experience, where Tranunion has neither corrected nor removed disputed items despite the evidence 1 provided, causing ongoing harm to my credit standing. Iam requesting immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized Inquires on my report I have already file this Issue with Identity theft.gov confirmation number XXXX. Especially with XXXX there is several. They had someone to hack their system a couple years ago. I dont know if someone hack their system again and did these inquires but they do not belong to me. I have no remembrances dealing with companies below. 

XXXX report Date of Inquiry 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 XX/XX/XXXX I also completed an Identity theft .gov confirmation number again XXXX Transunion Date of Inquiry 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 Also for Experian which I left a complaint with Identity theft .gov to look into the following inquires that was not authorize by me Experian Date of Inquiry XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX