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

I am filing this complaint to address repeated violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion as a fraud victim who had listed this with Transunion. My concerns include the following issues : XXXX. Blocking Credit Report Access and updates Behind a Paywall : TransUnion has restricted my access to essential credit report features, including the ability to view or manage my credit freeze, without requiring a fee or subscription. Attempts to manage my credit freeze result in an error message stating : " Sorry, we're having trouble showing the status of your credit freeze right now. You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. '' This restriction violates FCRA requirements, which mandate free access to critical credit tools, including freezes and fraud alerts. This is recurring theme. 

2. Failure to Conduct Reasonable Investigations : TransUnion has failed to conduct reasonable investigations into disputes I have submitted, despite providing supporting documentation. This lack of diligence violates FCRA 611 ( a ) ( 1 ), which requires a thorough review of disputed information. They block second disputes claiming unrelated first disputes are under investigation. The outcome virtually always leads to " meets FCRA requirements '' despite clear violations of creditors CDIA Metro2 compliance. CDIA Metro 2 is a standardized data reporting format created by the Consumer Data Industry Association ( CDIA ).

3. Reinsertion of Deleted Inaccuracies : TransUnion has reinserted previously removed inaccuracies into my credit report without notifying me as required under FCRA 611 ( a ) ( 5 ) ( B ). These inaccuracies misrepresent my creditworthiness and have caused financial harm. I've noticed this with former mortgage company reports and addresses that have been removed.

4. Confusing and Conflicting Communication : TransUnion has issued unclear and conflicting communications regarding the status of dispute investigations. This lack of transparency obstructs my ability to resolve inaccuracies effectively.

5. Reliance on Flawed Software or Automation : TransUnion appears to rely on flawed software or automated processes to manage dispute investigations. This results in inaccurate, incomplete, or inconsistent findings, further undermining the integrity of my credit report. It appears to favor the creditors.
Product: Checking or savings account

SS No : XXXX Address : XXXX XXXX XXXX, XXXX, GA, XXXX ID : XXXX To whom so ever it may concern, I XXXX XXXX XXXX had an account with Bank of America, which was closed down. 

I moved into the USA XX/XX/XXXX with my parents as an emigrate from XXXX XXXX where I was born. 

Been as a college student and a new comer in USA, I was looking for a part time job to assist myself and my parents. Through the internet I found a private job and thought I would make a good income to support my family and I. 

I started this job in XX/XX/XXXX, it was a check company where I was printing checks for this man and communicating with him thought text message and email. Eventually he wanted me to buy bitcoin for him through my account and I did it on the first round and the amount was {$8000.00} which I had to withdraw and buy bitcoin and on the second round he asked me to do it again and had informed my dad about it because I was not comfortable with doing it because it was illegal and my dad told me to stop immediately which I had done. But the man had deposited a bigger amount of {$10.00} XXXX without my consent and that blocked my account at Bank of America and a - {$880.00} XXXX was placed as a source of investigation through they side. 

With all honesty and truthfulness all the above pointers I have mentioned, which was mistake by myself unknowingly. I truly believe that this concerned person took advantage of being a new emigrate/student. 

However, this is an extremely hard lesson for me to learn in my young life, I oblige sincerly and assist me in reinstating my bank account.

Below attached is all the documents correspondence to the situation above that I was sent wit regards to my account Regards XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 2 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$25000.00}
Product: Debt collection

This company has called and has stated that they are law enforcement agents and that they will have me arrested. They have called my XXXX and has insulted me in many ways they call at all hours and have harassed my mom and saying to have her XXXX son call. This debt is not even legal the car was reposted and and taken by Santander Bank over 6 years ago. They even have stated that they are watching me and are going to come after me. They answer the phone by stating litigations and pass themselves off as attorneys and police officers and have threatened me.
Product: Credit card

I spoke with a banker at Navy Federal Credit Union and told her that my XXXX XXXX XXXX was XXXX and my XXXX credit score was XXXX. My Experian credit score is not available because XXXX is hiding it. The banker told me that NFCU does not use XXXX so I applied for a credit card and was denied yet again. The truth is that banks like NFCU in collusion with the credit reporting agencies want to keep the credit pool as small as possible probably as much as XXXX percent of applicants are denied for no reason. The first thing to know about the credit reporting bureaus is that much, perhaps even all, the information that finds its way onto a credit report are not debts or delinquencies but disputes with the businesses having the upper hand because they are clients of XXXX et al. The second thing to understand is that when the consumer disputes an item it is verified by the collection agencies who dont know a thing about the circumstances that led the erroneous reporting. After diligent work removing the false item or the passage of seven years the consumer is again victimized by banks like NFCU and all the others on the grounds that a ) there is no credit history a situation the the banks themselves are responsible for b ) consumer credit is too recent and or there are too many inquiries tagged as hard. In my case the credit card I applied for was denied by NFCU which is supposed to be a credit union causing my credit score to plummet by XXXX points. To repeat : the big banks and the credit reporting agencies are engaged in a conspiracy to deny credit to XXXX percent of applicants. What would be a sufficient credit history they dont say. What is too recent? Perhaps ever? Why are credit inquiries too many and why do these hard pulls cause a credit score to plummet. The credit reporting agencies and banks try out marketing strategies that lure the consumer to damage his credit simply by having the temerity to apply for a card. These banks are corrupted and so are the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/year> The following inquiry was not authorized and should not be reporting.
Product: Debt collection

I was checking my credit report on XX/XX/XXXX there is a collection agency asking for payment of {$1600.00} for XXXX XXXX, I dont have a XXXX XXXX account never had one and this account is apparently opened in XXXX Tx I live in XXXX XXXX TX dont know anyone in XXXX. I contacted XXXX XXXX and filed a identity theft affidavit I also sent they a copy of my drivers license and bank statements for the months of XX/XX/XXXX thru XX/XX/XXXX I also filled a Federal Trade Commission identity Theft Report. I also put alerts on all the credit bureaus XXXX, XXXX, XXXX. I have very good credit and because this collection agency appeared on my credit report my score dropped 38 points i pay everything on time dont owe anything i want this off my credit Report ASAP.
Product: Debt collection

For several years now I have been trying to have 2 accounts removed from my credit reports, XXXX, XXXX, XXXX from this 3rd party debt collector. 
After several letters, request to show proof of original application, I am still getting harassed with letters and my Credit report has been affected where I can no longer get any kind of credit. 
1.Company is : Portfolio Recovery Associates , LLC Address : Disputes Department, XXXX XXXX XXXX, XXXX VA XXXX Merchant : XXXX- Original Creditor : XXXX XXXX XXXX account XXXX XXXX in the amount of {$1200.00} 2. Company is : Portfolio Recovery Associates, LLC Address : Disputes Department, XXXX XXXX XXXX, XXXX VA XXXX Original Creditor : XXXX - Seller : XXXX XXXX XXXX Account # XXXX Please note when requesting verification on debt with my signature, they send me a photocopy of a bill with an old address of an apartment complex that I lived in over 5 years ago. Unfortunately, our mail box was a shared box and I had a number of accounts trying to be opened under my name. 
I am XXXX and on a limited income. I have no more time for this company and would like to have this problem removed immediately. I am tired of getting the run around from this company and all the other names they use to try and get money from me. 
It has cost me money to mail letters certified to them, pay a credit repair company with money I DO NOT have only to receive letters from one of their other subsidiary companies. 
I have sent another letter to them today via email with specific request to show proof that I opened these accounts in question. 
I would like this taken care of immediately so that I may Retire in peace and get my credit report cleared. 

Thank you for your attention to this matter Looking forward to hearing back from you in a timely matter,
Product: Checking or savings account

I opened the account on XX/XX/24 and had no issues transferring funds from my XXXX account into this new savings account. On XX/XX/24 I tried to transfer {$1000.00} from the BMO Alto savings account into my Chase checking account and was denied the next day, following a complete account block due to fraudulent activity claimed by XXXX. The email was sent to me on XX/XX/XXXX, stating that my account ending in XXXX was updated to add an account freeze. There was a number provided on the email XXXX bit that was to XXXX customer service who could not assist nor lift the fraud block. I was then transferred over to the fraud dept where I waited XXXX minutes then was only able to leave a message. I called back and was helped by. XXXX who informed me that I needed to provide a picture XXXX and XXXX statement from my XXXX account to XXXX. I asked if she can send me an email so that I can make sure that I send my info to the correct email but she declined and stated she was not allowed to. I then reconfirmed the email address with the rep and decided to send out the requested info so that I can have access to my account/funds. I have yet to hear back, this whole bank seems fraudulent. How can they accept my funds so fast and easily but as soon as I try to transfer some funds, I am met with restrictions? Their website states, unlimited transfers and withdrawals w/o any fees or minimums. I am finding this very hard to believe and feel these bank needs to be investigated for falsely advertising and possible committing fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE DIPSUTED THESE FRAUDULENT ACCOUNTS SEVERAL TIMES. XXXX  AND XXXX  HAVE REMOVED THEM. XXXX  IS THE ONLY BURUEA THAT HAS NOT REMOVED THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE. THIS CANT BE LEGAL. IT SEEMS AS IF XXXX  IS TRYING TO SABBOTAGE MY CREDIT PROFILE BY NOT REMOVING THESE FRAUUDLENT ACCOUNTS FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I have 5 unknown inquiries that needs to be removed immediately XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX In accordance with the principles outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 section 602a, it is emphasized that consumer reporting agencies, such as XXXX and Experian, must execute their responsibilities with fairness, impartiality, and a profound regard for the privacy rights of consumers. As the individual in question, I assert my right to ensure the non-disclosure of my private information, a right substantiated by 15 USC 6801, which underscores the congressional policy obligating financial institutions to uphold customer privacy and safeguard nonpublic personal information. 

The entity providing information to credit agencies, colloquially known as the 'Furnisher of information to credit agencies, ' falls within the definition of a financial institution under the aforementioned title. According to 15 USC 1681 section 604a ( 2 ), a consumer reporting agency is permitted to furnish a consumer report solely in accordance with the explicit written instructions of the respective consumer. In this case, neither the financial institution nor the consumer reporting agencies, XXXX and Experian, possess my consent, whether it be verbal, non-verbal, written, implied, or otherwise, to furnish such information. All forms of consent are hereby revoked. 
Furthermore, 15 USC 6802 ( b ) ( c ) asserts that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer has been provided with an explanation of how to exercise the nondisclosure option. To my knowledge, the 'Furnisher of information to credit agencies ' failed to inform me of this right, rendering any such disclosure unlawful. 

It is essential to note that 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in a consumer report without proper authorization, specifically any adverse information exceeding a seven-year antedate. The inclusion of such adverse information on the account in question is a clear violation of this provision. 

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A mandates that any person furnishing information to a consumer reporting agency must ensure the accuracy of the information provided. XXXX and Experian, by reporting inaccurate and unauthorized information, are in direct violation of this statutory requirement. 

Lastly, in accordance with 12 CFR 1016.7, I hereby exercise my right to opt out of any further reporting. It is my prerogative to withdraw consent for the reporting of my information at any time. 

In light of the aforementioned legal provisions and violations, I demand immediate corrective action to rectify the inaccuracies and cease any unauthorized reporting by XXXX, Experian, and the 'Furnisher of information to credit agencies. ' '' I have a right to privacy
Product: Debt collection

Contrary to Ms XXXX XXXX, the validation that was sent is a total joke and doesn't show ownership nor when the service was started, terminated, that myself actually signed an agreement for said alleged debt. 
The alleged validation is a screen grab that just shows columns of numbers but shows absolutely 0 of the aforementioned factors asked for above which pursuant to 15 USC 1692g I am within my rights to  ask for. 

Furthermore, to highlight the blatant dishonesty of this organization, I was told on XX/XX/XXXX that a verbal request wouldn't be honored and that I would need to submit a written dispute. I advised them per the FDCPA that, since notice was given I was going to being a validation of debt letter, they had to put all collection activities on hold for a period of 10 days. 

Now, the validation of debt package was sent via USPS Priority Mail on XX/XX/XXXX and was received by their office and signed for by a XXXX  XXXX on XX/XX/XXXX and they verbally acknowledged receipt of said package pursuant to the conversation I had with them on XX/XX/XXXX. 

Now, this office is flaunting the language of the FDCPA as well as skirting the Florida Consumer Credit protection act. I would advise that since I have proof that the validation of debt package has been sent and received by this organization that they follow the letter of the federal law and furnish to myself all requested and required documentation that would substantiate the legitimacy of this alleged debt. All collection activity is to not resume until such time as I have proof and my legal counsel can  look this over.
Product: Credit reporting or other personal consumer reports

it is my belief that my information was used in an identity thief from my ex landlord when i was doing repairs on the house and his XXXX that was getting rent from me but was not reporting it to the XXXXXXXX XXXX XXXX XXXX XXXX  i informed them that i was going to expose the matter. i was removed from the home years ago and unfortunately some of my mail continued to be sent to that address. i reported the use of my information to XXXX that has reported this item on my credit report which is hurting my credit score as we speak. my id number with the ftc XXXX doing the Covid 19 relief funds they tried to get me to fill out forms to submit for non payment but i had receipts that i paid rent. most of the family has moved out of town or deceased. also this not being my loan i did in fact submit repayment because it coming in my name. Section 22750. ( a ) states if any amount other than, or in excess of, the charges permitted by this division is willfully charged, contracted for, or received, the contract of the loan is void, and no person has any right to collect or receive any principal, charges, or recompense in connection with the transaction. ( b ) if any provision of this division is willfully violated in the making or collection of a loan, whether by license or by an unlicensed person subject to this division, the contract of loan is void, and no person has any right to collect or receive any principal, charges, or recompense in connection with the transaction ( Amended by Stats XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Effective XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX   XXXX XXXX {$190.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$610.00} XXXX AR XXXX {$210.00}
Product: Credit reporting or other personal consumer reports

A collection removal request was made to all 3 credit bureaus. All but one successfully removed the collection from my report, TransUnion is the only one that did not remove the collection. As a result an application for financing was not successful due to a collection showing on my report. Upon realizing TransUnion did not remove the collection I proceeded to file a dispute. I later had a live chat informing TransUnion that my report had not been updated. I was told I needed to contact the collection agency. I did and they informed me a request for removal was made and also provided me with a confirmation of that request. I contacted TransUnion to give them the confirmation, informing them that the issue lies with them. They said there was nothing they could do and that it will be 30 days to complete the dispute. I informed them that there is no dispute, since it is merely TransUnion not removing the collection as requested by the collection agency. I got no where with the multiple live chats, so I called and spoke with a TransUnion rep who acted as if they were helping me. Due to me letting them know I am trying to get an apartment before the holiday and I dont want to be denied due to an error collection showing on my credit report. He said he made adjustments for it to be removed. I thanked him and got off the phone. I then received a secure message from TransUnion stating they have an additional 15 days to resolve my dispute due to new information received by me! This is unacceptable and despicable. I laid my heart out there trying to get someone to help me. I worked hard to improve my credit so I can move out on my own allowing my daughters to visit me for the holidays and this collection is preventing me from making purchases that would change me life.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XX/XX/2021 I submitted a letter to the Big Three credit reporting agencies ( XXXX, Experian, XXXX ) regarding inaccurate and unknown items on my credit report. 

It has been over 60-days since I sent the letters to the credit bureau and as of today I have not received a response. I feel as if I'm being taken advantage of and my request are not being investigated in a timely manner. Section 611A plainly states that affiliate action for these items be investigated within 30-days proper or these inaccuracies be removed immediately. In the Fair Credit Reporting Act, it states that if a creditor is reporting inaccurate negative information on my credit report and cant provide any evidence of the requested items., this is grounds for a law suit. 

It has been over 60-days and I demand that these unverified accounts be deleted immediately or I will file a litigation due to the stress and false reporting this has done to my credit rating. This information may effect an XXXX data breach and fall into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

The request was to remove an unverified account from my credit profile that shows status open with a company I have no knowledge of. Its a violation of 15 US code168i ( 5 ) removal of inaccurate, invalid credit information. Please advise this to remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account on my transuion report XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX fro {$87.00}, and i dont owe them nor do i know who they are.