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

I had filed a complaint against Trans Union on XX/XX/2024 identification number XXXX trans responded that they would get back to me in 60 days. This is not acceptable and I Do Not Consent.

The relevant law is the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which deals with procedure in case of disputed accuracy. Here is the relevant excerpt : " Section 611 ( a ) ( 1 ) ( A ) If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' In other words, if I dispute an item in my credit report, the credit reporting agency must investigate the dispute and either update the status of the disputed item or delete it from your file within 30 days of receiving your dispute notice. 

If Trans Union fails to comply with the Fair Credit Reporting Act ( FCRA ) and does not respond to my dispute within the 30-day timeframe as required by law, I am entitled to certain damages and penalties. Here are some of the potential fines and penalties that Trans Union may face for non-compliance with the FCRA : 1. Statutory Damages : Under the FCRA, if a credit reporting agency willfully fails to comply with the requirements of the Act, the consumer may be entitled to recover statutory damages ranging from {$100.00} to {$1000.00} per violation.

2. Actual Damages : I may also be entitled to recover any actual damages I suffered as a result of Trans Union 's failure to respond to your dispute in a timely manner. 

3. Punitive Damages : In cases of willful non-compliance or egregious conduct, a court may award punitive damages to punish Trans Union and deter similar conduct in the future. 

4. Attorney 's Fees and Costs : If I have to take legal action against Trans Union for non-compliance with the FCRA, you may also be entitled to recover your attorney 's fees and court costs.
Product: Debt collection

Dear The Receivable Management Services LLC, I am writing to dispute the validity of the debt referenced in your recent communication dated on XX/XX/year>, which I received via CFPB. It has come to my attention that the initial communication did not comply with the requirements set forth in Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ).

According to Section 809 ( b ), within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall send the consumer a written notice containing the following information : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

4. A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. 
5. A statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor if different from the current creditor. 

I did not receive a written notice that adheres to the requirements mentioned above within the specified timeframe, thereby violating my rights under the FDCPA. This violation is considered a serious matter under the law. The bill is not proof of a debt validation letter and unfortunately that is not my current mailing address. Therefore, that is not a debt validation letter because I never received it. I also have proof that I do not live at that address. I have updated my current address with all three major creditors as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few XXXX XXXX XXXX, XXXX and. XXXXXXXX XXXX Hard inquiries on my credit and I believe someone was trying to open those accounts under my name. I did not authorize them yet they are on my credit report as hard inquiries.
Product: Debt collection

I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per FCRA, a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an XXXX at the XXXX XXXX XXXX XXXX. I sent in my police report and my notarized affidavit to the three credit bureaus I called last month and talked to XXXX from XXXX  Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent account even after going to the XXXX XXXX XXXX office where i am employed and filing a police report in person. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided them On Friday XX/XX/XXXX exactly at XXXXXXXX XXXX I spoke to XXXX who said he was from the fraud department integrity team and stated that and he didnt have to follow the FCRA rules and regulations. I explained that i received a letter saying if i wanted to Blok the fraudulent information Under the Fair Credit Reporting Act Section 605B to keep sending in my police report. and then hung up on me. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy accusing me in the generated letter stating that my police report was not filed when it fact it is file with the police department. These fraudulent collections are not mine and need to be blocked from my credit report Under the Fair Credit Reporting Act Section 605B FAIR COLLECTIONS & OUT ACCT NUMBER XXXX AND XXXX XXXX XXXX XXXX
Product: Bank account or service

I was a victim of identity fraud. The person name is XXXX XXXX. This individual open a U.S. Bank account with my social security number and used my Identification number, account ending in XXXX. 
Also she open an account with XXXX XXXX XXXX XXXX, using my info account ending XXXX. The address she used is XXXX XXXX XXXX in XXXX, IL XXXX. I did n't profit from any of these accounts nor did I give her permission to use my name or ssn.
Product: Checking or savings account

After reading a XXXX XXXX XXXX article entitled " Capital One XXXX XXXX XXXX  '' dated XX/XX/year>, I called Capital One 's toll-free customer service line and asked why my XXXX Savings account which moved to Capital One when they acquired ING Direct was not paid the same interest as Capital One was paying to XXXX  Performance Savings account holders. 

The customer service representative told me that this was an active legal matter and that the bank will not discuss it with me.
Product: Credit card or prepaid card

I paid my credit card in full and Capital One still charging me interest.
Product: Debt collection

Diversified reported me for a debt that is not mine and reported me at an address that is not mine. They refuse to remove it. I only found out about this because my credit score went from XXXX to XXXX. The fraud account is for {$320.00}. They are willing to cost me money over their fraud because now my score is low. I was never contacted in anyway about this.
Product: Debt collection

On XXXX XXXX 2017, a rep from XXXX XXXX Hospital called me about a medical bills in the amount of {$1300.00}. She stated if I do n't pay it she was going to put it on my credit. I informed here that I have insurance and the bill should have been bated Thursday them. She said they do n't have insurance information on file. I gave here my name D.O.B and social security number. And she pulled up my old insurance information. I told here that insurance information is not right and gave here the correct information. She was very rude and aggressive about it. So I 'm thinking she did put the correct insurance information on file. And I did not receive a bill.
Product: Debt collection

Choice Recovery Inc. 
XXXX XX/XX/2017 Has purposely done this on purpose. Because I challenged them and they never responded but still on my credit report a 609 fair credit report.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to provide a clear explanation regarding a recent late payment reflected on my credit report. My intention is to clarify the sequence of events that led to this issue, which does not accurately represent my usual payment habits.

Several days before my payment due date, I attempted to make the required payment through the standard online portal. During this process, I encountered unexpected technical difficulties. Specifically, the system repeatedly displayed error messages and would not accept my payment, even though I verified that my banking information was correct and that sufficient funds were available.

Concerned about resolving the matter promptly, I made multiple attempts on subsequent days to complete the payment via both the website and a mobile application. Unfortunately, these efforts failed for the same technical reasons, and I was unable to process the transaction in a timely manner. I also reached out to customer service for guidance, but the delays continued due to the ongoing technical glitch.

By the time the issue was finally resolved, the payment posted past the due date, causing a negative mark on my credit record. I want to stress that this late payment does not reflect my typical financial responsibility. I consistently pay my balances on or before the due date and have maintained a positive history of meeting my obligations. This isolated event resulted solely from technical issues beyond my control, despite my diligent efforts to remedy the situation as quickly as possible.

Thank you for reviewing this explanation. I appreciate your understanding of the circumstances and your assistance in correcting or removing the late payment entry, which I believe inaccurately represents my normal creditworthiness. If any additional information or documentation is required, I am prepared to provide it. I value my relationship with your organization and hope we can reach a fair resolution.

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/24 I opened a PayPal account for my established business via their website. While the account did open, I then was faced with an issue when requesting a business debit card for the account. The system wouldnt give a reason for the declination, nor could customer service. 

PayPal continued to email me to get the debit card as of XX/XX/24 but the system said I was declined without giving any adverse action notice. 

On XX/XX/24 when I logged in, the system suddenly asked me to confirm the address I wanted my debit card sent to - so I did. 

On XX/XX/24 PayPal invited me to apply for their XXXX XXXX, which the system again declined me for and nobody was able to give a reason or adverse action notice. However, the same system then approved me for a Virtual Terminal / Advanced Payments product without question. 

On XX/XX/24 PayPal refused to activate the business debit card stating they were unable to verify my identity because my wireless carrier wasnt releasing account information to them. After speaking to a supervisor, I was able to ascertain this is a common occurrence and they refuse to give any answers about the sources of information they use to take these kind of adverse actions against consumers. 

In light of the consistent declinations - as well as refusal to release the source of their adverse information for which they took action against me and my account- I have to assume PayPal engages in discriminatory practices when it comes to their financial products.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I contacted Equifax, XXXX, and XXXX  in regards to Inquires being placed on my Credit Report that I DID NOT AUTHORIZE. Even after contacting the Bureau I'm still getting alerts stating that Creditors are accessing my Credit File without my consent. I have placed a Freeze and Fraud Alert on my Credit File along with my Contact Number in which Creditors are suppose to contact me at the number listed to verify my Identity, but NO ONE has contacted me. I disputed the information with each Credit Bureau and was told about the investigation process. I sent them a copy of my Police Reports along with a Copy of my FTC Identity Theft Report, Copy Of My Drivers License, Social Security Card and Utility Bill to add with my dispute. I decided to contact the Creditors that we listed on the Reports individually. Each Creditor I spoke with had NO KNOWLEDGE or account under my name or Social! I have since received notices via mail from the Creditors stating that they have contacted the Bureaus to have the information removed from my Credit File. I have direct contact and letters stating the information should be removed, but why hasn't it been removed as of date from my Credit File. XXXX has removed the information from my file as of XXXX, but Equifax and XXXX  has not. The Inquires are EQUIFAX XXXX XXXX - XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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
Product: Credit reporting or other personal consumer reports

Upon receiving my credit report I was brought to attention of 2 Collection account from the same company ( XXXX XXXX XXXX ), I nor any one in my Household has had service 's from XXXX XXXX ( Original Creditor ). I have requested documented proof to validate the account by mail. Transunion, XXXX and XXXX has ignored my requests and I would like this account to be removed from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquires on my report from XXXX. I have contacted the reporting companies and they told me to contact Transunion. I have repeatedly disputed with Transunion about these unauthorized inquires and they have yet to provide proof to validate these inquires or offer any type of assistance to resolve this matter. I can verify the current inquires from XXXX as I have recently been approved for a new car loan, yet the invalid nonfactual inquires from XXXX remain on my report after hours of waiting on hold and being transferred with no help from Transunion. This is illegal and affecting my credit. this company has too much power within itself an causes harm to the consumers in which they profit off of
Product: Credit card or prepaid card

On XX/XX/2021 my credit card with chime was charged fraudulently charged {$3200.00} while my credit card was turned off and transactions of any kind should have been impossible. Is not only a violation of the advertised ability to lock your card when not using it so new transactions can not be posted to your account but it is also a violation of their own policy which puts a cap on an individual purchases and daily purchase limits of {$2500.00} so ANY transaction for {$3200.00} should have been impossible for any reason at any time. I have disputed this transaction with trying several times and they have refused to reverse the purchase despite verifying that I did in fact have the transactions turned off and my card locked at the time the purchase was made and that the purchase was made on a card with an old card that had a different expiration date and different cvv but still had the same card number. On top of all of this time purchase itself is fraudulent and after providing documentation to chime which showed that the charge was not legitimate chime still hasn't fixed this mistake despite the fact that for several reasons it should never have been allowed happened.
Product: Credit reporting or other personal consumer reports

I disputed this account which states it was charged off and written off. Yet it is still reporting as current and negative. Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Account charged off. {$690.00} written off. {$690.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX  This must be closed and removed from my account. Or at least stopped reporting as of XX/XX/XXXX. As stated and not after
Product: Checking or savings account

I am writing to formally address my concerns regarding significant changes to my account with Truist Bank ( formerly SunTrust ), which were not duly communicated to me. Specifically, I was not notified of alterations to the type of account, fee structure, or terms associated with my account. It has come to my attention that my Savings account was converted to a Checking account, either during the migration to Truist in XXXX or potentially at an earlier date. 

I had been a longstanding and valued customer of the institution, with savings income reported on IRS Form 1099-INT from XXXX through XXXX, as evidenced by the attached documentation. During this period, my account accrued interest exceeding {$400.00} in certain years. However, from XXXX through XXXX, I did not receive any 1099-INT forms, and no communication was provided regarding changes that may have impacted the interest-bearing status of my account. 

My trust in the institution began to waver when, in XXXX, I encountered difficulties accessing my account via a newly issued ATM card. I was informed that I was being disruptive and allegedly unable to complete a basic Fast Cash withdrawal. Upon further investigation, I discovered that my account was now classified as a Checking account, and I was required to select this option when using the ATM. This revelation left me dissatisfied with the apparent lack of care and management regarding the status of my accounts. 

I subsequently took steps to rectify the situation by upgrading my Truist Checking account to a Truist One Checking, thereby restoring the ability to earn interest that had previously been suspended. However, when attempting to convert the problem savings/ " checking '' account into a Truist One Savings account, I was informed that I did not meet the qualifications for such an account, though I had the minimum balance. As a result, I chose to close the second Checking account, as I did not wish to maintain two Checking accounts under these circumstances. 

I request that you thoroughly investigate these matters and provide clarification regarding the handling of my accounts, including any failure to notify me of changes that may have affected my account type, interest-bearing status, and associated terms.
Product: Bank account or service

I noticed several charges come through on my debit card that i did not notice I called customer support to dispute them as I did not authorize them. 
While disputing these charges the rep found a bunch of older charges that were also charged but under a different company name and included those in the complaint. 

I received a letter from chase telling me that the charges were to old and I would not receive almost {$600.00} in unauthorized charged refunded to me. 

Since chase has never sent me a statement I was not aware of these charges I use the chase mobile app 's quick view feature to check my balances and login only to transfer between accounts and payy credit card so I never noticed these charges until the rep informed me of them. According to the account agreement it says I have 60 days to notify them once I learn of the unauthorized charges but XXXX states I have 365 days to notify them and various other federal laws and regulations state 2 years I feel that chase is allowing criminals to steal money from consumer accounts while offering no protection to the consumer. 

Chase states they monitor my account for suspicious activity but they have failed to find a random company charging my account under multiple names for the same dollar amount unusual however they constantly block my card as unusual on almost every weekly visit to the same grocery store and gad stations.
Product: Debt collection

Company did has not communicated with me about this alleged debt. There was no notice sent to me about me owing this alleged debt and I was not notified of my rights to dispute this alleged debt.
Product: Debt collection

Subject : Dispute of Unauthorized Disclosure of Personal Information Dear Sir/Madam, I am writing to inform you that I recently discovered that my personal information was sold to a third party account without my consent. This unauthorized disclosure of my information is not only a violation of my privacy rights but also a breach of trust. 

The details of the unauthorized disclosure are as follows : - Date of unauthorized disclosure : XX/XX/year> - Details of the third party to whom the information was sold : Credit Control Services XXXX XXXX, MA XXXX I demand that you immediately cease any further disclosure of my personal information to any third party and take necessary steps to rectify this situation. I am also requesting a written confirmation that my information has been removed from your records and from the third party to whom it was sold. 

Failure to comply with my request may result in legal action being taken against your company. I expect a prompt and satisfactory resolution to this matter. 

Please respond to this dispute in writing within 30 days to confirm the actions taken to resolve this issue. 

Thank you for your prompt attention to this matter.