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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX AND TRANSUNION Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : ( XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXXXXXX Balance {$11000.00} )
Product: Debt collection

I received a letter from XXXX ( a division of XXXX XXXX ) that offered to " remove [ my ] prior debt '' if I signed up for new services. I checked my credit report on XXXX XXXX and discovered that IC System had reported a collection account opened on XX/XX/2021 in the amount of {$420.00} to XXXX. 

I have not had an account with XXXX  for many years. We opened an account with them when we first moved into our home but their services were so unreliable that we closed the account shortly thereafter. All equipment was returned and the account was paid in full. 

I have received notices from other collectors in regard to this account in the past. Each time I have disputed the account and requested that they verify the account with XXXX. I have never received verification and the account either never appeared on my credit report or was immediately removed. In this case, IC System did not send me any letter indicating that this account had been assigned to them. Furthermore, the date they used when they reported it was false. 

I believe that this is a cooperative marketing scheme seeking to blackmail former customers who they should KNOW do not owe them by hiring a debt collector to place the account on those former customers ' credit reports, then offering to instruct that collector to remove the account in exchange for returning as a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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

TransUnion has continued to cause harm to my character, problems in my XXXX, and subject me into paying higher interest rates on items for family and household purposes. TransUnion going out fishing for negative information about me is an infringement upon my consumer rights to privacy, pursuant to 15 USC 1681 ( a ) ( 14 ). TransUnion also infringed upon my rights to privacy under the Constitution. TransUnion has never obtained my written consent to furnish a consumer report in my name, for profitable gains. TransUnion has stolen my identity, which is identity theft. 
TransUnion has clearly lied once again. I requested the method of verification for XXXX XXXX XXXX MISSISSIPPI XXXX reflexing on my consumer report. TransUnion provided me the Dispute Status that shows XXXX XXXX XXXX MISSISSIPPI as the furnisher of this public record. I contacted the XXXX XXXX XXXX MISSISSIPPI, I was provided a letter ; they do not verify nor furnish public records. The reporting of this public record is a violation of 15 USC 1681 under the FCRA, subjecting your company to damages. 
This unverified public record means that its factually not true, correct and complete. I have attached the letter from the XXXX XXXX XXXX MISSISSIPPI and the resent results from TransUnion.
Product: Credit reporting or other personal consumer reports

My accounts with these companies were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

These companies never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

So I have crypto asset in XXXX  XXXX exchange, I cant withdrawal my assets into my wallet. They placed hold on my account even though I already provided all the informations they requested for ( Ive been customer with them for many years ). All the email responses I got are the same copy-pasted reply. I also have the open support ticket # XXXX
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/1984 Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

No open account associated with these inquirys and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. update my information and remove this incorrect data my name is XXXX XXXX XXXX my phone is XXXX XXXX XXXX my employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my address are XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 FREEZE THESE 3RD PARTY REPORTS THEIR WEBSITES MAKE IT IMPOSSIBLE XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ( Hotel and travel ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Hotel and travel ) XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They have continued to report the wrong balance on my XXXX XX/XX/XXXX loan for months I have sent my statement several times asking that they please report the correct balance for my mortgage
Product: Credit card or prepaid card

Bank of America texted me to contact the fraud department. I ignored the first text because I thought it was a scam. I received another phone call which a voice message was left. This week I received a phone call and a voice message again. I called BOA fraud department and found out someone opened a BOA credit card in my name and it was opened in Pennsylvania. I have not visited or ever lived in PA. BOA stated they would shut down / close the card because transactions were on it in Pennsylvania XXXX Just when you think your good, your not! I'm not sure what else to do now.
Product: Debt collection

On XX/XX/year>2025 i asked for validation of this debt, they in returned just said that the debt belongs to me and never sent anything stating it was.
Product: Debt collection

Suburban credit corporations trying to collect on the debt over six years old in the state of Virginia. This is a medical bill which is out of the statue of limitations to be collected on. This has been reported to a credit bureau.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I took out a personal loan with Avant, first of all they are loan sharks charging me 30 % interest. I am a single mother and XXXX veteran who had several XXXX resulting from my military service. This resulted in medical bills and me having to take unpaid leave from work.I had made payment arrangements with avant to lower my payment for 6 monthsI had changed my bank account however, avant continued to charge the old account and not the new XXXX. One day I get an email stating my account is {$2000.00} past due and another day its {$3000.00}. I am trying to pay this off but Avant wont work with me and they are destroying my credit ;. I am moving for a better paying job shortly but because of this I am unsure if I will be able to secure housing for my XXXX XXXX XXXX son and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit card

I disputed a charge on my US Bank credit card. US Bank acknowledged the dispute, notified me of the temporary reversal of the charges, and credited my account for the disputed amount. During the review of the dispute, US Bank allowed the vendor ( s ) to continue to charge my account new charges. I received letters from US Bank stating " We have concluded our investigation and the case was found in your favor. The provisional credit we issued to your account is now permanent. '' Now US Bank is reinforcing the fraudulent activity and placed these charges back on my account. Now they have racked up an unbelievable amount in interest and late fees along with the fraudulent charges. Do not get a credit card through US Bank, huge disappointment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX XXXX XXXX maliciously placed a {$390.00} amount on my personal credit report with XXXX XXXX XXXX and Experian. They have NO supporting documents or any evidence of me owing the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of unauthorized accounts that have appeared on my credit report due to a recent data breach in which I was a victim of identity theft. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent accounts removed to protect my credit and personal information. Below are the details of the accounts that require removal : Accounts : XXXX XXXX XXXX - XXXX - XXXX - {$0.00} XXXX  XXXX XXXX XXXX XXXX - XXXX - {$0.00} XXXX XXXX  - XXXX - XXXX - {$28000.00} XXXX XXXX  - XXXX - XXXX - {$60000.00}
Product: Payday loan, title loan, or personal loan

I have reached out to USAA on XX/XX/2022 regarding the violations on my report. I have few late payments reporting. I sent emails to the CEO of USAA, I made phone calls, and sent letters US Certified. I would like to get this matter resolved and get those late payments from XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 removed from all 3 of my reports. USAA has failed me, they don't care about their customers and failed to contact me regarding my concerns. This issue has caused me to become XXXX 

These late payments are clear violations of y consumer rights 15 U.S. Code 1681 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b.

Please DELETE these late payments from my consumer report.
Product: Debt collection

Collector states they have to contact me about a non existant court appearance. Say the are collecting for HSBC card services. Debt was already paid to another creditor in XXXX. Even after talking to them they are harassing family and friends.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed the information with all 3 credit agencies, XXXX, XXXX, XXXX XXXX. about an account that was being reported negatively. A Discover Card credit card. They are reporting it as late, when it has been paid off. in accordance with the FCRA this creditor has violated my rights under 15 USC 1681 section 602. I have the right to privacy. 15 USC 1681 604 ( b ) section 2. It also states a consumer reporting agency can not furnish an account without my written consent. Which i never gave them. The creditor and consumer reporting agencies are violating code 15 USC 1681i ( 5 ) treatment of of inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, over 30 days ago I sent you a dispute letter and I believe I was to supposed to get an update or notified of the status but I still haven't recieved any response as yet. I believe this is a violation and punishable by law. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX, and the Office of the Atty General if did not I receive appropriate response.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- STUDENT LOAN 1. US DEPT OF ED/XXXX with ACCT # XXXX opened on XX/XX/2013 with a balance of {$0.00} -This is not my account.
Product: Mortgage

We financed a mortgage through a local lender, who immediately sold the loan to United Bank. United Bank seems to be a small-time/town very poorly run institution. We've had several issues in trying to use the website, where their instructions don't match what options are available there. The bank 's customer service team, while they do pick up the phone when you call, are hopelessly uninformed. We recently conducted a recast. You'd think it was XXXX XXXX by how we had to do it. We actually had to go into a branch to write a paper check and hand it in, which one staffer just set on a desk while the main POC was at lunch. They didn't inform me that we had to manually online update the auto payment. 

Just overall, this bank needs to update their website to the XXXXXXXX XXXX, much less XXXX  and beyond. Their staff needs to be trained on how the website works, what a mortgage recast is, check safety, etc. We never had these problems with real banks like XXXX XXXX XXXX XXXX XXXX XXXX, etc. These real banks know how to use modern technology, train staff, and just operate professionally.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 Credit Bureaus 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 : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On I filed a complaint ( XX/XX/2022 ) against, EQUIFAX requesting that they honor my dispute Pursuant to 15 USC 1692g ( b ). It's been well over the 30 days. EQUIFAX has exhaust the allotted time giving Pursuant 15 USC 1692g ( b ) .EQUIFAX has fail to provide me proof of verification. So, at this time, I ask that you step in and have them delete this fraudulent accounts. Since, they can not verify these account. Pursuant to 15 usc 1681b ( a ) ( 2 ) and Pursuant 15 USC 1681c-2 I didn't authorize this information to be furnished and because of that it is identity theft. Nor, did I consent to the following inquires being furnished on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX XXXX 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 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Checking or savings account

On XX/XX/XXXX, I noticed a charge on my account in the amount of {$2200.00}. I did not make this transaction. I contacted the XXXX XXXX instantly, and I was told there was nothing they could do and to contact my bank. I contacted my bank and filed a dispute. I was told in my dispute that it would take about XXXX  days to investigate. XXXX days later, I received an email stating that the investigation was over and I would not be granted a refund. I was confused on how this matter could be investigated in XXXX  days, and over the weekend at that, I was furious. On XX/XX/XXXX, I was advised that what I received was correct and I would not receive a credit. The only option I had was to appeal. I was told numerous times I would receive an appeal letter, but I never received anything. I called once and was placed on hold for XXXX minutes so the representative could feed his children. I dont understand why I should have to go through this or an appeal that was not thoroughly investigated. I trusted my money in the hands of Chime, and they failed me, and this is not the first time this has affected me. Now I can not get through with chime. Every time I try calling, it just gives me the run-around option to speak to anyone, and when I ask for help in my chime app, it gives me an error. I am really disappointed in how they could fail me and take this matter as a joke. My living situation has been affected, as has my mental health.