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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, We are writing to dispute the following accounts listed on our credit report that we believe are in violation of various laws and regulations, including FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA : XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Account We dispute these accounts on the following grounds : 1. Violation of FCRA : We believe that the information reported on our credit report is inaccurate, incomplete, and outdated. We request that the information be verified and updated with accurate information. Failure to do so is a violation of FCRA. 

2. Violation of FDCPA : We believe that the creditor/collection agency has engaged in harassing and abusive practices in their attempts to collect on these debts. This is a violation of FDCPA.

3. Violation of FACT ACT : We believe that the creditor/collection agency failed to provide us with the required notices and disclosures under FACT ACT. This is a violation of FACT ACT.

4. Violation of TILA : We believe that the creditor/collection agency failed to provide us with the required notices and disclosures under TILA. This is a violation of TILA.

5. Violation of RESPA : We believe that the creditor/collection agency failed to provide us with the required notices and disclosures under RESPA. This is a violation of RESPA.

6. Violation of ECOA : We believe that the creditor/collection agency has engaged in discriminatory practices in their attempts to collect on these debts. This is a violation of ECOA.

7. Violation of FCBA : We believe that the creditor/collection agency failed to comply with the requirements under FCBA. This is a violation of FCBA.

We request that the information be investigated and verified in accordance with the laws and regulations listed above. We also request that any inaccuracies be corrected and updated accordingly.

Thank you for your attention to this matter.

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

On XXXX XX/XX/2023 I filed a CFPB complaint XXXX against TransUnion regarding the information in my credit files associated with an account/tradeline with XXXX. The basis of the complaint surrounds XXXX sending billing notices to wrong addresses at random, some of which I have not lived at in over fifteen ( XXXX ) years. TransUnion marked the CFPB complaint as " in progress, '' stating they needed more time to review the information I provided. On XXXX XX/XX/2023 I received a notification that TransUnion have updated the information pertaining to the XXXX account/tradeline, in which XXXX is alleged to have provided information indicating my payments are now " not more than XXXX payments past-due. '' I have a copy of a TransUnion credit report for the past XXXX months, all of which indicate that even if there were no billing errors, the account could only be at most XXXX ( XXXX ) days past-due. 

If, this had occurred in a vacuum it might be plausible that only XXXX would be at fault. However, given the date CFPB complaint XXXX was filed, the notification I received regarding updated information for the XXXX account/tradeline in my TransUnion credit file was in response to my dispute from XXXX XX/XX/2023. XXXX has been unable to send my billing notices to the address at which I reside. In fact their parent company XXXX has acknowledged that fact in a an e-mail to me on or around XXXX XX/XX/2023. Nevertheless, TransUnion is continuing to report invalid and unverifiable information that even changes for the same period ( s ) from month to month as evidenced in the attached documents. XXXX has failed to send billing error notices in compliance with Regulation Z. The effect is evident in the delinquent payment history as reported in my credit files. XXXX knows, or should know they are doing such. Furnishing information generated as a result of XXXX XXXX violations is meets the definition of unlawful and unfair practices. At this point TransUnion knows, or should know the information furnished by XXXX is unverifiable because it is the result of billing errors. At this point TransUnion knows or should know that supplying adverse payment history DURING a billing error investigation is unlawful and violates 15 U.S. Code 1666. It is the responsibility and duty of TransUnion under the FCRA to remove the unverifiable and invalid payment history immediately. The fact is TransUnion 's persistence of the invalid, unverifiable, inaccurate information in my credit files is causing me harm -- I have been denied housing and have been the subjected housing discrimination as a result of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, XXXX, H XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX Balance : {$6500.00} XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXX XXXXXXXX Balance Owed : {$500.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$11000.00}
Product: Credit card or prepaid card

This is regarding a VA unemployment benefits Way2Go Debit Card. We received this card for the benefits effective XX/XX/2020 but we have never been able to activate the card using the Way2Go mobile app, XXXX, nor on the number ( XXXX ) we are to call in order to activate the card. Even we we do call the customer service number ( XXXX ) and follow all the instructions provided and inputting our own information ( card number, DOB, SSN, the security code ), the call always tells us that we are unable to verify the information. When we try to speak to the representative, the call tells us to wait in the queue until the next available agent and then after 10-15 minutes the call will time out and say that it failed. It has been almost two months and we haven't been able to use the card. This is for unemployment benefits, it is unacceptable that the card can not be used for this long. We can not even check the balance that is inside of the card. Please try to help up resolve this asap. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry opened XX/XX/2018, I am not aware of an account being opened at that time. This hard inquiry is for Brclysbankde. I already tried contacted them by phone and sent them a letter ; noting was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was co-signing with a friend. The man who was assisting us took down my information and said he would be right back. When he came back he said no I couldnt do it. My credit score is too low. This is XX/XX/2021. They ran my credit 19 times. Thats ridiculous! 19 times on each of them!! You ever go to XXXX XXXX in Alabama, theyre is a dealership called XXXX XXXX. They are right off the highway. Thats XXXX XXXX the way they did my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX ( Original Creditor : XXXX XXXX ) XXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Anything that is showing up on my 3 bureau credit reporting company and any other data reporting company that take our info. I'm a person that has never had credit cause always denied and I always wonder why ... After 3 months of figuring out how credit company 's work and data company work and XXXX and XXXX and XXXX them sites work... I found out why I could never get credit and always had to operated using cash .... I've never had a car finance or a house because credit stayed messed up .... But how can my credit be messed up if I haven't ever had credit to mess up, I kept asking myself that question .... And end up coming across 9 merchants that has been fraudulent accessing history without my authorization .... Have tried disputing them thru XXXX but not getting help .... I just want my life that's been stolen for years now back and any funds taking from any trust to be recouped back and resourced back to the to rightful control in party in matter .... Companys like XXXX I see why they trying to steal people info .... The news show them being bankrupt so now they try to hold others innocent ones down by messing up there name .... And I'm tired of wasting my life fixing somein I didn't have any place in doing .... I been a victim I this since birth when us state representatives change my birth certificate 18 days after born without authorization from the owner or his parents .... I have all my proof as well the same proof that bout to be submitted to OIG and supreme Court and secret services to present ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Need these 4 Inquiries deleted from Personal Credit report with Transunion XXXX XXXX  XXXX Inquired on XX/XX/XXXX Business Type : Banks and S & Ls XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and S & Ls XXXX XXXX  XXXX XXXX, DEXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Home Furnishing XXXX XXXX  XXXX XXXX, TXXXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and S & Ls XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX
Product: Checking or savings account

I requested a wire transfer from my Goldman Sachs " XXXX '' savings account to my stock broker at about XXXX on XX/XX/2022. As of XXXX XX/XX/2022 this has not occurred. 

The funds in the account are well aged, and there is no excuse for the over 24 hour delay.
Product: Credit card or prepaid card

I booked a massage with someone claiming to be a massage therapist and paid them through cashapp. The day of my appointment, they didnt show up and will not respond to messages or calls so I am unable to get my money back. I reached out to customer support on XX/XX/22 and was told that they are unable to refund my money because it was already sent but if I have any other questions or concerns that I can reach out to them. The only solution they gave was to reach out to the merchant but they are avoiding any calls.
Product: Credit reporting or other personal consumer reports

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

I called all three credit bureaus, XXXX, XXXX, and TransUnion to inform them of the unauthorized credit inquiries, after several attempts they would not remove them.
Unathorized Inquiries and Dates of Inquiries 1. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 2. ) XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX 3. ) XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX 4. ) XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX  5. ) XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 6. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 7. ) XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX 8. ) XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX , who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AVANT. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit with XXXX XXXX. They said they needed me to come in person and bring my government i.d . and my social security card. When I did, they said the information from their underwriting indicated that my social security number was associated with a deceased person. Upon further research, I found out the source of this significantly incorrect information was Lexis Nexis and that they had been reporting this since XXXX of XXXX. I reached out to Lexis Nexis on XX/XX/XXXX and was told to submit my issue and upload my driver 's license and social security card on their site, which I did on XX/XX/XXXX. I phoned Lexis Nexis on XX/XX/XXXX and was told this was still being researched. 

This is a HUGE issue for me and is creating problems over which I have no control. The fact it happened is disturbing and their lack of response time to correct it is unacceptable. I am now trying to renew my XXXX XXXX and it is still pending. My husband 's was renewed within a few days. I am now two weeks in and we submitted our renewal requests the same day. This is incredibly stressful and distressing.
Product: Credit reporting or other personal consumer reports

Someone opened an account in my name. And when I seen this on my credit report I called credit one to remove it and they told me they sold the account to a XXXX  party.
Product: Credit reporting or other personal consumer reports

XX/XX/year> paid money for a credit application for renting a housing unit. They denied my credit and had a far lower credit score then I actually have. Which I had my credit 2 days before " XX/XX/year> '' ran and was a lot higher then " XXXX points higher '' I feel they did this to steal over XXXX dollars from me.
Product: Checking or savings account

This is regarding a repeated dispute about my checking account with Chase Bank. An account was open under my name without my knowledge or consent in a state outside of where I live. I'm in California and the account and two transactions occurred in Georgia. The first time it opened was in the summer of XXXX. The claim department give me a provisional credit while the investigation took place and then removed it. I didn't know at that time there was an account in GA until the second fraud took place in XX/XX/XXXX. I was told I was at fault because the attempt at the Chase ATM in Georgia went through with one pin attempt. I was told to get the money back I had to prove in California and not in Georgia. I was at work at the morning in question just like the second fraud also on a Friday morning. I had my employer write a letter on my behalf to prove I was in California. I got my money as a result of the letter. I was still angry and bitter about it. But I moved on. Then in XX/XX/XXXX, it happened again. I found out about the account being in GA. I closed my ATM card and reopened it. Like I did the first time. But this time, I changed the PIN number. Claims gave me a provisional card and then I decided to get the executive office involved. They said they would act as my advocate if the claims denied the final credit and decision. But they were involved keeping abreast of the claim. Then I got the money taken out of my account. There was alot of back and forth communication between them and claims. The Executive Office decided to give me a courtesy credit for the {$200.00}. But they also said they would try to get claims to give me an additional {$200.00} because I wasn't in Georgia and ever ordered a Chase card or make the transaction from a non-chase atm there. I waited to hear back and called the executive office. They said claims would not give me an additional {$200.00} and I got the impression I was not believed. I was just told to set up a new username and password to eliminate the Georgia address on my account.
Product: Debt collection

Company Eastern Account System , INC. is a third-party affiliate of XXXX XXXX XXXX XXXX XXXX XXXX has breached there contractual agreement with I the consumer by selling and disclosing my non-personal information to Eastern Account System, INC. Eastern Account System illegally has my personal information, furnishing information to my consumer report. Pursuant to my rights of privacy within The Privacy Act of 1974, Eastern account system is in violation. I would like to highlight due to The State of Michigan laws a debt collection agency must be licensed to collect on a debt in the state that is attempts to collect from a consumer. Eastern Account system is NOT LICENSED in the state of Michigan or Authorized to do business in Michigan. Therefore you can not collect on any debt. Eastern Account System, INC is illegally attempting to collect on a debt that has been charged off as a loss by company, XXXX and written off. Eastern Account System can not collect on a debt that has been written off on XXXX  companies books provided to the IRS. A charge off is a certificate of Indebtedness, which means it is income, Income can not be reported to a consumer report as per the company, XXXX  charge off of this said account. XXXX  has not provided the documentation requested by I the consumer as requested on the recorded call XX/XX/XXXX. The collection agency, Eastern Account System DOES NOT HAVE PERMISSION TO FURNISH MY CONSUMER REPORT I HAVE NOT GIVEN THIS COMPANY PERMISSION TO ACCESS OR HAVE MY PERSONAL INFORMATION. XXXX  HAS NEVER SENT ANY DISCLOSURE ADVISING THEY ARE SELLING MY PERSONAL INFORMATION TO THIS COMPANY. THIS ACCOUNT IS IN THE PROCESS OF LITIGATION. AS THE ORIGINAL CREDITOR HAS BREACHED THEIR PRIVACY POLICY pursuant to the contractual agreement. I have no contractual agreement with EASTERN ACCOUNT SYSTEM and demand this account be removed as all parties will be responsible for there role in attempting to bring false claims and stress against I the consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX : Acct # XXXX, XXXX XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX  : Acct # XXXX, XXXX  : Acct # XXXX, and XXXX  : Acct # 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Checking or savings account

I claimed money sent to me from another banking institution using my bank account at cadence debit card. {$250.00} was claimed and In the account on XX/XX/year>. 
I received a call saying the account was closed on XX/XX/year> and they are telling me there was never a payment received and they cant find where a payment was received. So basically theyre taking my money and closing my account and claiming theres no money put into the account on the XXXX. Which is a lie! I signed into the mobile app and saw the funds in the account on the XXXX. So my account was closed for no reason!! I want my money back or they need to reopen my account up showing the correct balance. There is prejudice going on or they are just outright scamming me. Im tired any slight overdraft on the account they threaten to close it. Why offer overdraft if youre going to close the account when its paid back and say you never received the money. this is absurd, unprofessional, and very inconvenient since my gas money that I was storing with them, that I have to use to travel for a work event XXXX hours away, has been taken by the bank which could lead to problems in my workplace!!
Product: Student loan

XXXX has prevented me from accessing my account and making an interest-payment for the year 2016. I 've contacted them over-the-phone and they are in disarray, do n't know how to calculate the interest and do n't know what is wrong with their website. After speaking with a representative, she attempted to calculate the interest payments by-hand, but I am not confident as the numbers I received are inconsistent for the given timelines.