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

TRANSUNION is violating my federally protected consumer rights. 
TRANSUNION is furnishing a consumer report that claims I have a Student Loan account ending in XXXX from " Dept of ED/XXXX  '' that is " 120 days past due '' I have previously made a claim revoking any permission granted for them to publicly furnish this private information. They continue to publicize this information which violates 12 CFR 1016.7. Also, TRANSUNION never provided me an opt out form, and they continue to furnish this information even after I have opted out by revoking my consent for them to post this information through previous disputes. Furnishing this information is now also a violation of 15 U.S.C 1681b ( a ) 2, since they are not acting In accordance with the written instructions of the consumer to whom it relates. Furthermore, the information being furnished directly relates to transactions and experiences made between the consumer and the person making the report. This is a direct violation of 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ). TRANSUNION is posting adverse information on my consumer report that is harming my reputation. This adverse information is a direct violation of 15 U.S.C 1681c ( a ) - Particularly line 5 that directly states Any other adverse item of information. Clearly, according to 1681c ( a ) ( 5 ), they are not allowed to post this information. Finally, in reference to my past claims on this matter, TRANSUNION did not conduct an Investigative Consumer Report in accordance with 15 USC 1681a ( e ).

It is clear that TRANSUNION has violated many of my federally protected rights by furnishing this information on my consumer report. According to 15 U.S.C 1681n ( a ) ( 1 ), Transunion is liable to compensate me {$1000.00} per violation, totaling several thousand dollars for this breach of my rights. I am offering a simple resolution before pursuing remedy through the court system.

TRANSUNION MUST IMMEDIATELY REMOVE THIS ACCOUNT FROM MY CONSUMER REPORT.
Product: Credit reporting 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. 

Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX : Balance : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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, credit repair services, or other personal consumer reports

i have tried many times times to correct these issues with Transunion and XXXX many times, i have sent them letters on XX/XX/2021 to dispute this inaccurate information that they are reporting on my credit report and i have not heard from them concerning this matter.I will send this information to my attorney if not responded.i have attached copies of the letter below
Product: Money transfer, virtual currency, or money service

Dear sirs, my name is XXXX XXXX XXXX. I am writing to you because of a XXXX transaction payment that was made on XX/XX/2022 at XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and has been stopped by a correspondent bank XXXX Bank Of America until now, please read the full information below. On XX/XX/2022 I received a Compliance request from a correspondent bank of Bank of America and on XX/XX/2022 I responded to this request. However, to date, the payment has not been returned to the debtor bank and has not been sent further to the recipient, while the specified goods have already been sent from the XXXX supplier to the XXXX  customer. Please kindly check the current status of this transaction and arrange for its refund to allow us to resolve this issue. Thank you for your understanding and cooperation. 

XXXX : XXXX Sender 's Reference : XXXX Transfer amount : XXXX $ Recipient 's bank : XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX 
payment by invoice of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Purpose of payment : PAYMENT FOR ORDER XXXX DATED XX/XX/2022. The goods were planned for further resale. Not for military use.
Product: Mortgage

On XX/XX/XXXX through XXXX XXXX I was just trying to see with my credit I have now what kind d of buying power I have for a home which Ive done before with a soft inquiry. They initiated a hard inquiry which I did not approve .. spine with company and said the would request it to be turned to a soft inquiry but wanted to cover all bases FACTUAL DATA IS THE COMPANY
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be XXXX XXXX accurate and verified. As by XXXX requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initially I opened a car loan with XXXX XXXX then a couple years later that loan was sold to XXXX XXXX. On XX/XX/XXXX. XXXX then at the time considered my loan paid off with them. Now XX/XX/XXXX I get notified that they sold a delinquent loan to Jefferson Capital collection agency. The account they claimed is delinquent- I have and had zero knowledge of it or ever consented to that. Ive tried calling and sent a letter to them but the line is disconnected and mail is yet to be responded to.
Product: Money transfer, virtual currency, or money service

have been dealing with several companies regarding a memebrship property sale ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) in which they stated the guaranteed funds were sent to XXXX XXXX for release to us. We have not received said funds after numberous engagements with XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX was 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 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. 

XXXX XXXX  XXXX 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

The company affirm authorized a loan that I did not process. The first alert came over XX/XX/year> and I reported it right then. The next one was today XX/XX/year> and they processed it even after I alerted and verified it wasnt me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX will not answer any questions in any format email, mail, phone I even submitted a public records request and a FOIA ( Freedom of Information act request. 
They sent me a conflicting XXXX forms with different info and " Lender '' and in XX/XX/XXXX a XXXX with yet more conflicting information. 

I need them to Clarify and explain what has been submitted to the IRS a government Agency. 
Letter was sent in a Ocwen Envelope with a XXXX XXXX XXXX XXXX Letter and Lender Tax ID number Explain & Clarify : ( 1 ) XXXX  XXXX FMV ( Fair Market Value ) why is one XXXX in XX/XX/XXXX and balance of principal outstanding ( XXXX  ) XXXX ( 2 ) Date of aqusition XX/XX/XXXX and ( 3 ) address XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX ( 4 ) XXXX in XXXX date of identifiable event XX/XX/XXXX ( 5 ) Discharged debt XXXX? How did they come up with this amount? ( 6 ) FMV ( Fair Market Value ) XXXX XXXX ( 7 ) Addressed XXXX XXXX XXXX XXXX, Washington DC XXXX but envelope address is XXXX. XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my utmost discontentment with the continued existence of a fraudulent account on my credit report. Following the reporting of this identity theft, I contacted the bank related with the fraudulent account. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent account would be instantly abstracted. Both XXXX and XXXX have already removed this account from their records after distinguishing and rectifying an error. I am at a loss by your confirmation of this account when the other bureaus have already removed it. Please delete this account from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

Debt was paid by garnishment XX/XX/2018-XX/XX/2018, total amount garnished was {$1900.00}. Original garnishment to XXXX XXXX, resulting from XXXX District Court Case. 
I have received a second notification from XXXX that they are garnishing me further for {$1600.00} under a new XXXX District Court number. I have never received any notification of a second court case, or a secondary judgement relating to this debt. 
The amounts garnished under each order are the same amounts - {$1600.00}. 
I want relief from this action. CFPB needs to stop predatory debt collection and end consumer 's double-jeopardy in settling financial matters. One garnishment was too much for this small matter of an expired debt Calls to this company unsuccessful as neither number published was in service.
Product: Checking or savings account

Dear Sir/Maam, I noticed citi bank company is doing wrong thing on my checking account ending XXXX. 
They block my account with no letter, no reason. 
I cant withdraw my money from ATM, even no cashed 2 check with fee. 
They said gave bonus but all is fake, lie, dirty game. 
I still have balance in my account and want to withdraw all and close the account. 
Never citi bank checking account. 
Some dirty person behind them help them stand for doing dirty.

Fraud action. Please help to investigate and resolve it, thank you! 
Best,
Product: Debt collection

Received a 30 days notice from H & H legal support services attempting to collect a debt for a car repossession. I did speak with them and advised I would take the car back if possible since the collection was for the full amount of the original sale they got back with me saying the shady, dealer had already sold the car. I proceeded to still keep my arrangement and made the 1st payment to them. I am legally only supposed to pay the difference they sold it for and this agency should only be charging me the difference. I did not receive any other update or letter with the correct amount and when asked they said this was a new customer and they were not aware of certain things!? Good customer service is not there strong suit and apparently proper collection methods either. They are quick to collect and send letters and threaten small claims and garnishment of wages but do not even have the correct information to proceed to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX accessed my Experian credit file to open a XXXX XXXX XXXX without my knowledge or permission. The bank can be contacted by mail only.
Product: Credit card

I had a fraudulent {$250.00} charge applied to my account on XX/XX/XXXX. The name on the transaction was XXXX. I disputed the charge with Capital One and they agreed to investigate. As of today I have not received any update on the dispute and it has been over 6 months. When I call or email Capital One about when I can expect a {$250.00} credit for the fraudulent charge I get no answers. I wanted to close this account XX/XX/XXXX but Capital One said that since a charge is in dispute I would not be able to close the account. Consequently, I had to pay the {$39.00} annual fee and do not even want this credit card anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  acc # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  Account # XXXX XXXX  Accounts Account # XXXX XXXX  Account # 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 an account without my written instructions.
Product: Credit card

I have not receive the bonus we signed up for. {$200.00} after {$500.00} spent Please issue the bonus https : //www.capitalone.comXXXX
Product: Credit card or prepaid card

I, XXXX XXXX ( date of birth XXXX, social security number XXXX, address : XXXX XXXX XXXX XXXX XXXX va XXXX ), complained to different government agencies each with its jurisdiction such as but not limited to The CFPB and about Wells Fargo Bank N.A many violations of consumers rights asserted under at least the Consumer Financial Protection Act Of 2010. I am protected under each of those laws or legal act every time I made those reports which is absolutely my duty as an American patriot .I am Reporting Wells Fargo Bank N.A continues retaliation against me and my mother with XXXX who is my dependent and I would like to see actions from authorities to stop that retaliation and bring us justice. Wells Fargo Bank N.A lied to government concerning its violations against consumers rights, about its comittements to To our nation, about its obligations to consumers, about the way it conducts business, about its cover ups of wrong doings every time it receives a report about violations of its staff, its agents and/or its employees and about my situation ( adding my mother with XXXX ) Of daily struggling from Wells Fargo bank N.A almost daily basis retaliation. This bank is terrorizing, pushing with every power it got to throw me and my mother with XXXX to the street. No, I will not let that happened. The authorities with jurisdiction, the CFPB and agency with jurisdiction must react to this situation and do its duty in the next 48 hours, I would be forced to contact the media, use social network to speak up under the Freedom Of Speech And I am a protected whistleblower whose rights broken for hundreds of days very lengthy horrific time. Its your turn to sanction and get our rights back. We will not be thrown in the street for being American exposing Wells Fargo bank N.A fraud, illegal activities, cheating, breaching customers trust and more ... all stated herein is to my current states belief, knowledge and understanding and it is subject to anything or any correction by me, XXXX XXXX, at any time without prior notice and without waiving my rights under any circumstances.
Product: Debt collection

I called and spoke w/XXXX  just now on XX/XX/XXXX at XXXX to pay {$110.00} on XX/XX/XXXX. The bill I received indicated payment was due on XX/XX/XXXX ; however ; when I advised XXXX  that I could pay on the XX/XX/XXXX, he said that would be fine. I mentioned the XX/XX/XXXX at least 3 times during our recorded conversation. As soon as I hung up with XXXX, I was notified by my bank, via text, that the payment had posted immediately. I called back to escalate and spoke with XXXX who said he would have to review the recording and this would take 24 hours and return of funds would take 4-5 days. I asked him to get XXXX on the phone since I had just hung up with him and he said he could not. I asked to speak to a manager and XXXX said he was the manager and would not allow me to speak to anyone else. If this call was truly on a recorded line, you will hear me say the XX/XX/XXXXat least three times during the conversation with XXXX.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Amount {$2600.00} Account XXXX is PAID & CLOSED This hindering me from getting a loan a house & a car. 
I'm doing everything possible to moving on with my life. 
But this thing Charged off debt is creating dilemmas in my life.
Product: Credit card or prepaid card

I purchased subscription to an app through apple using their service and credit card. After a few months the app quit working, so I reached out to the app developer, few weeks went by with no reply. So I tried again and recharged out to apple to see what assistance they could provide. Still no response from the developer and my conversation with apple pointed me back to the developer. 
After a deeper investigation, the developer is in XXXX, so I am not sure if my requests for support are getting through. 
I once again reached out to apple, this time requesting a refund do to the persistent issue without hope of a resolution. They once again pointed me back to the developer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently got a new cellphone number which is register under my name but Capital one isn't able to match the number to my name during verification
Product: Credit card

THIS ACCOUNT WAS NEVER LATE AND SHOWS ON CREDIT REPORTS AS LATE AND CHARGE OFF. I CLOSED ACCOUNT ON MY OWN ACCOUNT. THIS IS EFFECTING ME GREATLY. PLEASE DELETE OR UPDATE
Product: Debt collection

I noticed collection on all 3 credit bureaus. I did not make a purchase from any XXXX XXXX XXXX XXXX! The collection amount is XXXX. I filed a dispute with all 3 credit bureaus to no avail!
Product: Credit reporting, credit repair services, or other personal consumer reports

i had medical bills sent directly to collections and reported on all three reporting agencies. Not only did i dispute with the collections agency, they refused to acknowledge the illegality of sending a XXXX insured a bill, let alone report derogatory remarks to credit reporting agencies. They refused to identify the provider so XXXX can file a formal complaint. The hospital had no information. 
My dispute with XXXX and XXXX resulted in the deletion of the derogatory marks, and classified it as fraudulent charges unsubstantiated by the collection agency. 
My dispute with XXXX was denied. The collection was determined valid, and updated immediately. 
Inconceivable. And they want documents if i can demonstrate the accuracy of my dispute! I do n't have documents. I never received a bill, i do n't know the practice or physician. There are 2 separate derogatory marks, submitted to collection on the same day i went to urgent care.
The balance billing of a XXXX insured is illegal, and i have no evidence besides the hospital invoice showing it is satisfied.
State and Federal want to investigate the provider for prohibited practices. I was refused this information or a bill from the agency.
Its incomprehensible that XXXX refused to remove fraudulent remarks affecting my credit, especially with my formal dispute notate in the remarks by the collection agency. It was seamless to rectify with the other two agencies. 
i am a victim, who ca n't file a complaint against the provider who fraudulently billed me, and further victimized by XXXX bad faith conduct and violation of my consumer rights. 
it 's appalling that this was validated and reported on my permanent record. I had to dispute the fraudulent remarks. Now, i 'm further victimized by XXXX to validate the inauthenticity.. why? 
What can i do? The other two credit reporting agencies responded quickly and acknowledged fraud. What information did XXXX obtain to validate an illegal collection. 
And I still need an actual bill. Are n't there collection regulations prohibiting a person from reporting to credit agencies directly, without sending bills? 
i need XXXX to explain their investigation and determination of validity. 
i need a bill for these alleged charges, which XXXX required me to obtain because they want to formally investigate and fine the practitioner for prohibited billing practices and fraud
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

I sent a debt validation on XX/XX/2021 for validity of the debt and the reporting of late payments. I receive a validation letter on XX/XX/2021. On the letter it reflects a different payment of wait I have been paying. I have overcharged the entire length of the loan.