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

I am writing to file a formal complaint against the three major credit reporting agencies, TransUnion LLC, XXXX XXXX, and XXXX XXXX, for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies. 

I have identified multiple discrepancies and inaccuracies in the reporting of my personal information, including addresses, phone numbers, and employers, on my credit reports provided by these agencies. The only correct name and address that should be reporting are : Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX  XXXX, XXXX, IL XXXX However, the following information is inaccurate : Addresses : XXXX XXXX XXXX  XXXX , XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX - Residential Employers : XXXX XXXX XXXX XXXX These inaccuracies are not only damaging my creditworthiness but also infringing upon my rights as a consumer seeking fair and accurate credit reporting. As per the FCRA, I have the right to dispute any information contained in my credit report that I believe to be inaccurate. 

I have requested these credit reporting agencies to investigate these inaccuracies and delete these entries from my credit reports in accordance with Section 1681s2 ( a ) ( 1 ) ( E ) of the FCRA. However, these inaccuracies continue to be included in my credit reports, damaging my creditworthiness and infringing upon my rights as a consumer. 

I kindly request the CFPB to intervene in this matter and ensure that these credit reporting agencies comply with the FCRA. I also request that these agencies provide written confirmation of the removal of these inaccuracies within 30 days, as per Section 1681s2 ( a ) ( 3 ) of the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt action in rectifying these violations and upholding the standards set forth by the Fair Credit Reporting Act. 

Sincerely,
Product: Debt collection

Its hurting my credit & I didnt have any gas in my name in XX/XX/2023 this is hurting me being able to move and get a car for my children & I never gave anyone authorize to give a different company my personal information & its in collection but says open XXXX completely lost
Product: Credit card or prepaid card

My credit union dispatched a payment for the statement balance in full on XX/XX/2022 for all of my credit cards from the proceeds of a Home Equity loan I obtained with them. This was made directly by the credit union to the payment address listed on the billing statement. All other accounts processed this payment within XXXX business days. 

My Capital One West Elm card failed to ever process the payment, so on XX/XX/XXXX, by which time all other accounts had paid off, I was required to make another payment. On XX/XX/XXXX, they assessed another month of interest to the account in the amount of {$110.00}. 

My credit union advised the check was never processed by Capital One/West Elm and placed a stop payment on the check and deposited the funds to my XXXX XXXX  XXXX savings account so I could pay this account directly to resolve. 

When I contacted Capital One/West Elm to pay off the account and resolve this matter, I requested that they waive the {$110.00} in interest since the only reason this account was not paid off was because of their failure to process or mismanagement of the payoff check sent by my credit union XXXX I have attached a copy of the credit union account where the statement payoff amount for West Elm 's XXXX statement was returned to me via Stop Payment on a check ( {$5000.00} ). 

Capital One/West Elm advised they would not refund the whole amount, but would waive {$50.00} as a one time courtesy. I accepted the {$50.00} waiver and requested if someone else could review to resolve this as it was Capital One 's fault, and they said no. I paid the account in full, but would like my additional {$63.00} in unfairly assessed interest to be returned to me.
Product: Mortgage

On XX/XX/2020, i made a payment of XXXX to Nationstar bank, Dba Mr. cooper to cover 2 months of mortgage payments including XXXX and XXXX payments, when the bank called me i told them i will process those payments and said its ok, my due date is on the XX/XX/XXXX of each month so the payment on XX/XX/XXXX was still before 30 days after due date, however Nationstar bank reported me 30 day late on XX/XX/2020 to the credit bureaus, i am attaching proof of my bank statement where you can see the payments i made, please check it out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 i looked into rates on 2 companies for an installment loan, they both promised that they were soft credit checks and when i did go to apply for one loan i found out that avant had done a hard credit check even though i didn't agree to that. 
so i need that removed from my credit report.
Product: Credit card or prepaid card

I opened the XXXX Prepaid debit card because they sent me an email that if I open the card and loaded {$300.00} on it, they will give {$40.00} extra. I did load the money. They blocked my card and said I need to send Bank statement as address proof and government id i.e. my Drivers license. I did send all the information and they activated my card. I loaded the money and started using the card. As soon as I tried to get cash back from the card at XXXX, they blocked my card.I contacted them and let them know unless they let me access my money, I will report them. The next day they unblocked my card and allowed me to generate a pin so I could use my card to get cash back, as well as purchase goods and services.Today out of the blue, they blocked access to my card online. When I tried to use the card in a store, it was declined. I called customer service. They said you need to fax in identifying documents. I have about {$50.00} on the card and I was supposed to receive the {$40.00} bonus they have promoted around now. I asked her why they blocked access to my account online, she did not answer. I asked her will I need to send this document every month. She hung up on me. 
They have no email, only means of communication is fax.They pretty much make it so that no one can reach them.They are trying to steal my {$50.00} as well as not honor the promo they promised. 
Request you to please help. I have written proof of the promo as well as proof I sent the documents last month and receipts to prove I was successfully using the card last XXXX weeks. I have no access to my account. Not only can I not use my money right now, I am also not able to log in to my account anymore. The last time when they blocked my account ( 2 times ), I was able to access the account.This time, out of the blue, they locked me out of my account without providing any notice or any reason over mail or email or phone. 
Please help. They are clearly in the business of stealing money. 

Their agents hang up on you if you ask " why can't I use my card? ". This can not be legal. This has happened the third time.I do not know what additional document they want me to send them. They are going to withhold my money and deduct account fees each month and exhaust my money. This is their plan and never pay me the extra {$40.00}. This can not be legal.I can provide every identity document, I have provided what they asked for and everything was working fine. They blocked it today on the 20 because they figured I could take all the money and close the account. Today is the day they were supposed to credit my {$40.00} bonus ( I have proof they offered such a promo ) and also today is they deduct the account fees.Please please please help.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX BALANCED {$2500.00} XXXX XXXX  XXXX BALANCED {$940.00} XXXX XXXX XXXX BALANCED {$730.00} XXXX XXXX  XXXX BALANCED {$5200.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$210000.00}
Product: Debt collection

I recently printed a credit report and as I was looking at the statement, i noticed some that were not mine. there were XXXX debts that ended up as collections that i do not remember having.
Product: Checking or savings account

NC State Employees Credit Union is threatening to close my childrens checking account in retaliation for a loss they incurred on my personal loan. We twice completed paperwork to remove wife and I as co-owners some time ago but either they lost the paperwork or failed to process it. The accounts are solely funded and administered by our children for years since they left college.
Product: Credit reporting or other personal consumer reports

XXXX is reporting Discover credit card with a balance of {$6600.00} on XX/XX/year>. This balance is reported incorrectly. The correct balance should be {$76.00} since XX/XX/year>. There were no changes since then so therefore this reported balance needs to be corrected. My score has dropped XXXX points due to this false report.
Product: Credit reporting

I requested a credit report do to identity theft and they said they could not prove my identity from the address iam currently I moved in XX/XX/XXXX to XXXX XXXX XXXX XXXX va XXXX I used to live at XXXX XXXX XXXX XXXX va XXXX for about a 1y1/2 year in XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX. XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX ( {$260.00} ) Account # XXXX, XXXXXXXX XXXX XXXXXXXX ( {$170.00} ) Account # XXXX, XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXXccount # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account XXXX XXXX, XXXXXXXX XXXX Account # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate/Unverifiable Information Under the FCRA I am writing to dispute inaccurate and/or unverifiable information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have identified the following item ( s ) that require investigation and correction : Creditor Name/Account Number : [ Provide details of the account ] Nature of Dispute : " Late payment reported inaccurately '' This information is either inaccurate, outdated, or unverifiable and, therefore, violates several provisions of the FCRA. Specifically : 1. Section 611 : Credit reporting agencies are required to investigate disputes and verify the accuracy of information within 30 days. If the information can not be verified, it must be deleted or corrected.

2. Section 607 ( b ) : Credit reporting agencies must ensure the maximum possible accuracy of the information they report. The presence of this inaccurate information violates this requirement.

3. Section 609 : I am requesting that you provide verification of the disputed account, including the name of the original creditor, payment history, and any supporting documentation used to validate the information.

4. Section 605 ( a ) : Negative information, such as late payments, must not be reported if it is older than 7 years from the date of delinquency. If this item is outdated, it must be removed immediately.

5. Section 623 : Furnishers of information are obligated to report accurate data. If the creditor supplying this information has failed to meet this requirement, it must be corrected or removed.

6. We would like the of a Forward Flow Agreement, Also a Chain of Assignment as well
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX Portfolio Recovery called and hung up. This debt was written off by the initial company and was removed from my credit report yet they keep trying to collect it. When you do talk to them they are rude and tell you still owe. These calls are always coming from a different number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED MY FTC REPORT TO EXPERIAN 10 TIMES AND THEY REFUSE TO DELETE THIS FROM MY CREDIT FILE. I HAVE SENT OVER SEVERAL SUPPORTNG DOCUMENT AND LETTERS AND THEY STILL HAVE NOT DEALT WITH THIS ISSUE
Product: Credit reporting or other personal consumer reports

I have sent multiple dispute letters regarding inaccurate information on my credit report, but the results remain unchanged. Recently, I conducted an investigation on my credit report, which caused me severe distress, and I discovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported with 100 % accuracy. 

In accordance with the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be reported accurately. These accounts are in violation of FCRA regulations under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which require complete accuracy in reporting. 

Attached are copies of all correspondence previously sent to your agency. I urge you to promptly address these errors and ensure that my credit report reflects accurate and verified information, as mandated by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has contacted me after hours and needs to be fined.
Product: Debt collection

This goes against the Consumer Protection Law states 15 U.S. Code 1692d - Harassment or abuse. It is XXXX XXXX XXXX and this company is still emailing in regards to this debt. This debt has been charged off since XX/XX/XXXX. 

This debt has been written off. Lenders and other creditors must submit a copy to the agency and to taxpayers whenever they cancel or forgive a debt worth {$600.00} or more. An 1099-C has not been administered.
Product: Debt collection

A collection account has shown up on my credit report which I have never received notice nor the ability to dispute. This is from Online Information Services. I have called several times and have still not received a statement from them. 

I see on the report that the original creditor is XXXX XXXX XXXX XXXX, I never received a bill or statement from them. I have done an internet search and can not find the correct company with my file. 

Online information services is not licensed to collect in my state.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so angry and frustrated with XXXX and the different credit card companies. They have been working on my investigation for over a month, with no resolution. I have sent my police report and my FTC report that I filed along with my identification and they are not removing these accounts from my credit profile. They do not have any evidence against me, and are continuing to report these accounts. I have spent so much time so much energy, and I am so stressed from this situation. They are not helping whatsoever, and I am getting anxiety from talking to so many different customer service reps, who one promises to remove the accounts, to another one who says we never received the report, to another one who said they did receive my reports. They were all done and uploaded online and have record. Please help in resolving this matter, I need these accounts to be removed from my credit report immediately. I am not able to rent any other house, or buy car. Please help. 

The companies I am reporting are 1. XXXX 2. XXXX XXXX ( 6 different accounts in which 2 accounts have been removed 4 accounts are still reporting ) 3. XXXX XXXX 4.  AMERICAN EXPRESS 5. XXXX XXXX XXXX 6. XXXX XXXX Please help in resolving this matter, I have reported my identity theft from way back in XX/XX/XXXX. These companies have not been removed from my credit report, they are giving me very bad customer service, and XXXX  is by far the worst credit bureau to deal with.
Product: Debt collection

On XX/XX/21 I received services from XXXX  XXXX XXXX 's XXXX XXXX at which time I paid my copay of {$50.00}. XXXX XXXX sent out labs to XXXX. XXXX XXXX billed and got paid by my insurance. XXXX did not. XXXX sent {$1200.00} to CCS and after I told them it was a mistake and that I never had lab charges so high. I called XXXX XXXX 's office and they informed me they got paid and it was a mistake and I didn't owe anything. I emailed XXXX  I found out they didn't respond to my first inquiry so I called CCS. I informed them I had insurance and the Dr. got paid. THe rep said I owed it becuase the insurance never paid. I demanded verification that the insurance was billed and he would not send it and insisted I pay the {$1200.00}. They never sent me anything so I notified XXXX through email I was planning to sue them and the collections agency as they damaged by credit and was turned down for a loan. I sent screenshot of my insurance portal to CCS/XXXX  shwoing XXXX XXXX was paid and there was nothing from XXXX. They asked for an EOB. I replied with How can I send you an EOB if you never billed my insurance. My credit score dropped XXXX points and I have proof of this and the damage this has caused.
Product: Checking or savings account

XXXX   XXXX   - I overdrafted on my checking account, so I called Fifth Third and signed up for overdraft protection on my account that was connected to my Fifth Third credit card.
<P/>   XXXX   XXXX   - I overdrafted on my checking once more and was charged an overdraft fee, so I called and they said I never signed up for overdraft protection, so they signed me up for it once more.
<P/>   XXXX   XXXX   - The same thing happened. I was charged with an overdraft fee once more, so they set me up with overdraft protection again. I then filed a complaint with the CFPB. They reply letter from Fifth Third lied and said that I denied overdraft protection from the bank.
<P/>
  XXXX   XXXX   - Again, I was charged an overdraft fee. I called, they said there was an error with signing me up so they had to set me up with overdraft protection again.
<P/>
  XXXX   XXXX   XXXX   - I once more was charged for overdraft fees and I called and they again said there was an error setting up my overdraft protection and they said there is nothing they can do for me because they do n't have anything on file of me signing up for overdraft protection.
<P/>
This has gone on for well before last  XXXX . Fifth Third has constantly charged me with erroneous fees that they ca n't explain and I 'm stuck paying for them. I will be switching banks in the next few months once I close my business, but I want these errors and constant fees to be reimbursed. Whether its ignorance on their part or straight up trying to get away with charging fees when they should n't, I should n't have to pay for their issues.
Product: Debt collection

Portfolio Debt Recovery repeatedly harasses me by calling ( usually every other day ) despite being told that they are not legally able to enforce this debt! It was included in my husband 's bankruptcy and is considered community property here in CA according to community claims pursuant to 11 USC 524. This company was not only provided verbal notification including bankruptcy discharge number but also written notification that any attempt to collect this debt that was discharged in a bankruptcy inXX/XX/XXXX2015 is illegal. However, this has not deterred them and they relentlessly call and send notices still trying to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting acXXXX XXXX Account number XXXX XXXX XXXX and XXXX XXXX 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 a account without my written instructions
Product: Student loan

Around XXXX XXXXXXXX I uploaded proof of my XXXX XXXX service beginning XX/XX/XXXX to NAVIENT 's website XXXX apply for SCRA benefits. Today I received an email from NAVIENT saying that my SCRA request was approved starting XX/XX/XXXX instead of XX/XX/XXXX. Additionally, when I look on the website my interest rates are still showing above 6 %. I messaged NAVIENT through their website 's messaging system asking them about this. I received an automated email in response stating that NAVIENT can not respond to my request for information without compromising my personal information ; therefore they can not respond. I called NAVIENT 's help center twice. Both times I navigated through their convoluted XXXX  XXXX  trying to get to where I can speak to an actual person. When I was finally routed to speak to someone an automated message played saying that their offices were closed. Both times my call was immediately dropped. Both calls were well within their business hours. I have no other way to contact them to sort this out.