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

This is the SEVENTH time I have tried to fix this issue with Transunion so I have decided to get lawyers involved, there is a fraudulent account with XXXX  XXXX XXXX that all the other credit agencys deleted except for XXXX  XXXX. This Data furnisher has been in violation of the FCRA 2009 ( a ) which states a Data furnisher MUST delete an account that has been reported to authorities and has proper identification to prove it ( which I have provided numerous times ) WITHIN 4 BUISNESS DAYS, ITS BEEN 9 MONTHS. I have reported the data furnisher to the Attorney Generals office - XXXX XXXX due to Transunion negligence. They are in violation of the Fair credit report act 2009 ( a ), which is a FEDERAL LAW. FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. " Last time XXXX  XXXX, responded TransUnion has declined to block the information for one or more of the following reasons which were provided to you in the letter : a ) TransUnion has reason to determine that you have requested the block in error ; b ) TransUnion has reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) TransUnion has reason to determine that you obtained possession of goods, services or money as a result of the transaction at issue. Let me repeat this, 1 ) I DID NOT REQUEST THE BLOCK IN ERROR. 2 ) Transunion IS FALSELY ACCUSING ME of misrepresentation of facts, to a known identity theft victim. 3 ) I DID NOT RECEIVE ANYTHING FROM THIS FAUDULENT ACCOUNT. I have referred this to the office of the Attorney General of California - XXXX XXXX, and the XXXX XXXX - XXXX XXXX XXXX for data furnisher negligence / litigation. I am completely upset and absolutely disappointed with the service Transunion has provided me, I will be writing a letter to my local congressman on this issue as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is not liable for XXXX XXXXXXXX XXXX XXXX  with account number ending XXXX for XXXX. I don't give my permission for LVNV Funding to have my personal identifying information to third party debt collectors and to share, trade, sell, or transfer to any of third party non affiliates and affiliates such as XXXX XXXX XXXX XXXX, and Resurgent which they have already violated my rights to privacy and FDCPA. and FCRA. I do not have a contract with any of these entities and any of their affiliates. I do not want to contract with them either. Cease and Desist any form of communications such email, phone, and mail. I will be filing a FTC fraud report and identifying theft and defamation of character. 
Intent to sue for security fraud by Security Exchange Commission and auditing your company accounting records for this account. My claim against your company using all documents as proof of claim.
Product: Credit card or prepaid card

On XXXX XX/XX/2023 I used a balance transfer offer from my bank, XXXX, to initiate XXXX balance transfers ( for {$5000.00} and {$8500.00} ) to a pair of Barclays XXXX cards I use. I sought to have the transfer completed before the Barclays statement period ended on XXXX XXXX -- this would have XXXX  out both Barclays cards ' balances while avoiding additional finance charges on those cards. The transfer immediately posted to my XXXX account, and I continued checking my Barclays accounts to see when the transfer would post. 

On XXXX XX/XX/2023, I saw the transfer had not posted to Barclays, so I called XXXX to inquire about the status of the transfer. After speaking with a customer service representative, I spoke with a supervisor who informed me that XXXX sent the payments out by paper check on XXXX XX/XX/2023 from Maryland to the Barclays payment address, which is a post office box in XXXX, Pa. They also told me the transfer would likely take XXXX business days. ( In comparison, I made another balance transfer that day for {$9900.00} from my XXXX XXXX XXXX XXXX account to a different XXXX card ; it was handled electronically and the balances for each card adjusted accordingly overnight. ) On XXXX XX/XX/2023, I again noticed no balance transfer had posted on my Barclays account, so I called Barclays to inquire about the whereabouts of the balance transfer. They said they would start an investigation but they terminated the call before I could get all the information to them. 

I am filing this complaint because : XXXX ) I initiated these XXXX transfers XXXX the XXXX  purpose of minimizing finance charges, but the delay in Barclays ' XXXX these transfers means I will incur additional finance charges. 
XXXX ) I want banks to make these transfers electronic, instead of issuing paper checks through the mail. As noted above, I initiated a separate XXXX XXXX XXXXXXXX that completed electronically without delay. Banks need to use routing numbers to make these transfers electronically and get out of the business of issuing paper checks. 
XXXX ) I am extremely unhappy that this transfer has not been completed, XXXX calendar days after it was initiated. As recounted in my conversation with XXXX, the checks were mailed from Maryland to XXXX, and I verified the Barclays addresses and account numbers with XXXX twice. It does not take this long for a letter to go from Maryland to XXXX, and Barclays should not have this long to post a transfer initiated nearly XXXX weeks ago.
Product: Credit reporting or other personal consumer reports

There was an affidavit sent to XXXX, Equifax, and XXXX regarding account XXXX XXXX on my credit report. I informed the CRA 's of the illegal reporting due to permissible purposes and exclusion laws. I submitted a FTC report which is attached to this complaint. I also noticed that the account has different information being furnished to each credit reporting agency which is also illegal and a violation of the FCRA. Please note that I am the only natural person writing this statement with the help of no third party. See the attached FTC report and inaccurate credit report and remove this account from my credit report.
Product: Checking or savings account

I was XXXX  down in XXXX XXXX in the month of XX/XX/2022. During the altercation I lost my wallet containing the Chase credit and debit card, and also my cellphone. I managed to check my accounts and saw multiple fraudulent charges. I contacted JP Morgan Chase and reported the theft and charges. The credit card charges were canceled and I did not have to pay to cover the charges. On my debit card, the thieves were able to get into my cellphone and XXXX themselves {$2000.00}. When I contacted Chase about this charge, they advised since my cellphone was used it was a valid charge. I got a police report from the XXXX XXXX Police Department to show I had also lost my phone used in the transaction. I submitted this to JP Morgan Chase, and the team who looks through these files, again denied to refund my money. I submitted several claims to have the " team '' at Chase look into this and it was never resolved. I am submitting this claim through the CFPB to have this case looked at again. I have provided enough proof that this was not me, and yet I am out {$2000.00}.
Product: Debt collection

Allied financial keeps calling me about a neighbor of mine who I hardly know. They are now calling one of my employees several times who doesn't know him at all and asking to have me call them.
Product: Debt collection

Phoenix financial services suddenly appeared on my credit with a medical debt. I do not recall this debt and they refuse to give me my documentation of where I signed to get this removed.
Product: Debt collection

1. Constant phone calls and when I answer they always hang up the phone.

2. I finally called the number back after they would always hang the phone up after Id answer the phone and they did the following : A. Kept constantly switching their responses on why they were contacting me B. Said they havent received payment since XX/XX/2019 when they automatically deduct my account every 2 weeks for over 2 years and account information never changed and funds available. When I stated this, they then changed it to they wanted me to increase my monthly payments on it. When I stated I cant increase my payment bc I was laid off in XXXX and just started a job only a few weeks ago ; she then changed her response to I have to pay them the full amount of XXXX or either settle for {$5000.00}. She stated they would no longer accept my payments of {$50.00} every 2 weeks bc I had been paying them that same amount for 2 years. The. She stated they tried to mail me but kept receiving return to sender mail back to them. I told them they were lying bc I never received a letter from them and Ive been at my address for over 2 years and USPS does not do return to sender mail when there is someone living at that address. She didnt say anything after this. They stopped payment on this account without notifying me. Then demanded I pay the whole balance and said they wouldnt accept my monthly payments anymore. I finally told the lady they would have to contact my lawyer at XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of an inaccurate late payment entry currently reflected on my XXXX credit report. I have provided substantial documentation proving that my payments are fully up to date, and XXXX 's repeated claims of " verification '' of this erroneous information constitute a blatant disregard for both accuracy and my consumer rights. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX has a legal obligation to ensure that all information reported is **accurate, complete, and timely** ( 15 U.S.C. 1681e ( b ) ). Despite my extensive communication and submission of evidence, XXXX has failed to comply with this federal requirement, instead choosing to maintain an inaccurate, damaging entry that has already caused undue harm to my credit profile. 

**This dispute has been ongoing for several months, and Experians failure to adequately investigate and rectify this inaccuracy constitutes a violation of my rights under the FCRA . ** Specifically : 1. **Incomplete Verification Process** : The process XXXX claims to have followed does not constitute reasonable investigation under FCRA guidelines XXXX The failure to incorporate provided documentation confirming on-time payments directly conflicts with Experians duty to perform a diligent review. 

2. **Violation of Consumer Rights** : Under 15 U.S.C. 1681i ( a ), XXXX is required to delete or correct inaccurate, incomplete, or unverifiable information within 30 days. By failing to correct this erroneous entry, XXXX is not only in violation of this statutory requirement but is also **jeopardizing my ability to secure necessary financial services**. 

I demand that this inaccurate late payment entry be removed immediately from my credit report, with written confirmation of its removal provided to me at the above address within **10 business days**
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX sent multiple correspondences insinuating they were part of the XXXX XXXX XXXXXXXX XXXX or that the documents were part of the courts. If this is an attempt to collect an alleged debt, there has been no proper notification or debt validation notice. These deceptive practices have caused XXXX distress and undue XXXX XXXX XXXX
Product: Debt collection

I recently viewed my credit report and saw an alert about a debt collection from XXXX XXXX XXXX My credit score dropped XXXX points as a result of this being put on my credit report. 

I called XXXX XXXX XXXX and told them I was disputing this. I asked for information on the creditor, date of service, amount, etc. I called the hospital who is the alleged creditor. They told me my account is closed and it had been paid through my insurance. 

This, this is not a valid debt. It has already been paid by health insurance around time of service ( XX/XX/XXXX ). In XX/XX/XXXX, medical debt is not to be added to collections or negatively impact credit reports. My XXXX XXXX dropped XXXX points as a result of this illegal action. I have twice disputed this charge with XXXX XXXX once in late XXXX and recently at the start of XX/XX/XXXX They have been persistent with their phone calls including calling my XXXX XXXX XXXX minor daughter while she is at school. They are trying to collect for a service that has been paid and closed and was never sent to collections which is confusing and deceptive. 

I have filed a complaint with the Indiana attorney General and has submitted a dispute to XXXX credit

reporting bureau. I would like to have this removed from my credit report and my score to be the same or better to where it was before this false report damaged my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the company about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update or repaired the accounts ASAP!!!. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$5700.00}.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$220.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$2600.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of an account from my credit report due to ongoing inaccurate reporting, despite multiple disputes and prior involvement with the CFPBXXXX XXXX the XXXX of 2024 Capital One verified the information on my account as accurate. The account in question shows " CO '' ( Charge Off ) status repeatedly after the Date of First Delinquency ( DOFD ), even though it has been paid in full and marked as " Paid and Closed. '' This continued inaccurate reporting does not align with the Fair Credit Reporting Act ( FCRA ) requirements. Under 15 U.S.C. 1681i ( a ) ( 1 ), a credit reporting agency must conduct a reasonable investigation when a dispute is filed, and under 15 U.S.C. 1681e ( b ), it must ensure that all information is accurate. The persistent misreporting of this account, despite my efforts to correct it, violates these provisions and warrants deletion from my credit report. I am disputing the inaccurate reporting of the Capital One account number XXXX. the account shows repeated " CO '' ( XXXX XXXX ) notations, which is misleading. Under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to ensure accuracy and correct or delete information that is inaccurate or unverifiable. The repeated 'CO ' suggests multiple charge-offs, which is inaccurate since a charge-off is a one-time event. This ongoing inaccurate reporting may constitute a violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts # 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 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 written instructions from the consumer.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX XXXX XXXXXXXX ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without Delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following elements appeared in my credit report aren't mine, please remove them all from the 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft NORDSTM/TD Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN AND XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

This complaint is against the Mississippi division of EPPICARD. 

On XX/XX/2020, I noticed an unusual charge of {$100.00} to XXXX ( I do not own/use any of their services ). Alarmed by this, I decided to backtrack my transaction history, finding XXXX fraudulent transactions totaling {$450.00}. 
They are as follows : XX/XX/XXXX - XXXX XXXX XXXX {$45.00} XXXX - XXXX XXXX XXXX   {$45.00} XXXX - XXXX XXXX XXXX {$45.00} x XXXX XXXX - XXXX XXXX XXXX {$45.00} XXXX - XXXX XXXX XXXX {$47.00} XXXX - XXXX XXXX XXXX {$45.00} XX/XX/XXXX - XXXX {$8.00} XXXX - XXXX {$9.00} XXXX - XXXX {$1.00} XXXX - XXXX XXXX XXXX {$10.00} XX/XX/XXXX - XXXX {$100.00} I immediately attempted to contact customer service and report the matter, only to be redirected, hung up on, and put on hold for 3+ hours. During that time I spoke to 3 separate representatives, and to each of them I gave my account info, explained my problem, and listed the fraudulent charges ( which took roughly 30 mins each time ) Only to be told that they would have to transfer me to someone else that ultimately said they would mail me a form to fill out to file my complaint in order to be reimbursed for the charges. This form has to be received, filled out, sent back, and investigated before any action can be taken. However they only give you a 10 day window to accomplish this task. ( Not from the time you receive the form, but from the time you called initially ) It has been 4 days sense that call, and I haven't received any form. Judging from the 100 's of reviews and complaints that I have read about this company, complaints unsettlingly similar to mine, I have to wonder just how serious they these thefts. You will find a link to some of these reviews below .... 

XXXX XXXX XXXX