23daVinci/CFPB_Complaints huggingface dataset:
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. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update 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... 
I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The TransUnion Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX CARD SER XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX, XXXX. XXXX Open Date XX/XX/XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. 
1.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4.Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
5 Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
7 Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX Account Number : XXXX  Please remove it from my credit report. 
9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
10.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. Validate Account XXXX Account Number : XXXX
Product: Credit card

Made XXXX purchases online over XXXX weeks ago. Upon further investigation, website determined to be a scam site, even though XXXX protection is listed. Filed claim with Chime, submitted documentation & claim was denied after about a week. I am not denying attempting to purchase goods from this merchant, but the site has been determined to be a scam.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  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 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

In accordance with the Fair Credit Reporting act 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
Product: Debt collection

I filed XXXX income taxes for XXXX. Per my tax return and XXXX form, {$760.00} was withheld during the year. I overpaid and was due a refund of {$64.00}. {$700.00} should have been withheld instead of {$760.00}. 

In late XXXX, I received a Demand for Payment from the XXXX - stating I owed them {$700.00} plus interest. 

I sent them proof of payment, disputed the claim and requested documentation. 

I heard nothing further from them. 

In XXXX XXXX, GC Services sent me a demand for payment on behalf of the XXXX. 

On XXXX XXXX, I sent them a certified packet including copies of the documents I sent to the XXXX XXXX XXXX, tax return, letter with request for documentation ). In my cover letter to GC Services, I again requested documentation and issued a cease and desist of further demands for payment on the bogus debt. 

The certified packet receipt was signed by GC Services front desk staff on XXXX XXXX. 

The calls started XXXX XXXX. They 've called me four times and left XXXX messages, each indicating that I " have to '' call them and refer to a case number. 

I want to nip this in the bud. 

How do I make it stop?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I decided to open an account with Truist bank because they were promoting the XXXX XXXX debit card. As a XXXX employee, I was eager to get the card. Unfortunately, it turned out to be a terrible decision. Right after opening the account, I had to deal with a company going out of business to get a refund on unwanted products. When I tried to deposit the check from the law firm into my account, Truist Bank placed it under fraud alert, even though there was nothing fraudulent about the funds. It's been a year now, and Truist Bank is still " investigating, '' keeping my funds locked in the account. Despite my numerous calls to Truist Bank, they have refused to provide any guidance on how to resolve the situation and access my money. To make matters worse, at the beginning of XXXX, they are now asking for information that I can no longer obtain from the defunct company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no records of doing business with the companies I found on my credit report. I have filed a FTC ID theft report for the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX. please delete/remove these account they are not mine. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX NEW YORK XXXX.Please remove any other address.
Product: Credit reporting, credit repair services, or other personal consumer reports

We shopped for a new second mortgage for our condo in XXXX through XXXX XXXX. We accepted an offer from XXXX XXXX and received the paperwork. Despite requesting a second mortgage, I was sent paperwork for a HELOC instead. Not intending to tap into the line of credit, we signed the documents. 

Later, as housing prices continued to plummet, our financial advisor recommended we complete a short sale. Unbeknownst to us, HELOCs do not go away in a short sale situation, so we were stuck with making an agreement with XXXX XXXX for the full amount of the HELOC value - they literally would not negotiate a lower rate XXXX XXXX. We were advised to accept, and attempt to re-negotiate the amount at a later time. We completed the short sale of the condo in fall of XXXX. 

Three years later, after much failed negotiation, we settled on an amount to settle the debt. After three payments, we received a letter from the bank 's law firm, confirming satisfaction of the debt, showing the full amount paid. A few months later I checked our credit, and found XXXX XXXX had reported the loan as a " write off, '' meaning the debt was never paid. I filed a discrepancy with the credit bureau to correct the record. When the credit agency contacted XXXX XXXX to verify this change, they replied, " No, the write off is correct. '' This fraudulent record has caused serious damage to my credit score since its appearance on my record in XXXX. I wish to have this record removed from my credit, and if possible, punish XXXX XXXX for a fraudulent filing on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has closed my line of credit as a retaliation under the XXXX. 

Pursuant to the Fair credit Billing Act XXXX hasnt taking care of the bill error regarding the billing errors requested in XX/XX/2020 concerning a timely requested under the FCBA. 

The payment was withheld regarding the disputed amount pursuant to the Fair credit Billing Act. 

In Or Around XX/XX/XXXX, XXXX issues a letter saying that the requested made in XXXX was untimely but credited the disputed amount. 

On XX/XX/XXXX, without my consent regarding permissible purposes under section 609 of FCRA, the XXXX XXXX and Experian released credit information without my consent. 

Do to my XXXX XXXX XXXX has closed my account regarding my credit report without consent regarding permissible purposes under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting me as 60 days past due on the XXXX partial account number XXXX that has a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Product: Credit card or prepaid card

acct number XXXX was opened illegally by my father who commited id theft and i had him arrested years ago amex wont let me apply they blacklisted me bc of a fraud acct i never opened
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$0.00}
Product: Credit card or prepaid card

Was denied for low credit score but currently have XXXX credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached my FTC report which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Product: Credit card

Fortiva Credit Card Company is deceptive when they offer a match payment it suppose to be the matched amount as it's stated I will show an example of retail card I have with the match payment program my payments should reflect XXXX which it doesn't it only shows XXXX I find this deceptive I will keep lodging this complaint until they match the XXXX as they promised XXXX is my retail credit card that had a payment match of XXXX which brought the balance of XXXX owed XXXX is my credit card that I put a payment of XXXX which it doesn't reflect the match this shady business and deceptive notice how they wiped out the matched amount on the recent payments on account XXXX
Product: Debt collection

Contstantly popping up on my credit never did business or know what this company is I have filed police report and ftc report
Product: Credit reporting or other personal consumer reports

Someone used my personal information without my permission I was victim of identity theft
Product: Credit reporting or other personal consumer reports

I was sent information saying that my credit information was linked. A " breach of credit information link '' on your account usually indicates that a data breach has occurred where your credit card details or other sensitive financial information may have been compromised. After carefully monitoring my credit I have a lot of suspicious activity. Accounts that dont belong to me and I want deleted
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 XXXXXXXX XXXX Account XXXX XXXX has violated my rights. 

XXXX XXXX XXXX Acct XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX has violated my rights. 

XXXX XXXX ( Original Creditor : MEDICAL ) Account Number XXXX has violated my rights. 


XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account Number XXXX has violated my rights. 


15 USC 1681 Section 602 A States I have right to privacy.

15USC Section 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Product: Credit card or prepaid card

On XX/XX/XXXX USAA illegally closed my Visa Credit Card, Checking and Savings Accounts, and Certificate of Deposit based on UNLAWFUL RETALIATION against me exercising my basic consumer rights to dispute wrongful charges. Then falsely claimed their actions are based on my " UNACCEPTABLE BEHAVIOR OR ACTIVITY ''. 

In this case USAA is deliberately violating THE FEDERAL EQUAL CREDIT OPPORTUNITY ACT by illegally discriminating based on race, and national origin, and because I have in good faith exercised my rights under the Consumer Protection Act. 

XXXX XXXX XXXX ; ( In Re : USAA Bank accounts held from XXXX - XXXX ) XXXX-XXXX-XXXX
Product: Debt collection

P & B CAPITAL GROUP LLXXXX is reporting debt to XXXX of {$2500.00}. It says account was opened XX/XX/2022, which means they should have sent a letter to a current and accurate address, but I never received a single letter from this company. I don't have any credit accounts or loans for {$2500.00} and I was never given 30 days to dispute the debt. I have know idea who this company is. If this account if it's not removed from XXXX, I will file a suit and use there response to this dispute against them.
Product: Money transfer, virtual currency, or money service

I was the victim of a scam/fraud by user XXXX XXXX on Venmo which is owned by PayPal. I realized this was a fraudulent transaction within approximately 10 minutes, contacted Venmo, and contacted my bank, XXXX XXXX in an attempt to cancel the transaction and my debit card. XXXX XXXX canceled my debit card, while Venmo did not cancel the transaction. The scammer fraudulently copied a known contact 's profile, photo, and username ( with a slight modification ) and requested money from me. This appears to me to be a failure on the part of Venmo/PayPal to comply with " Know Your Customer '' laws and also to prevent fraud on their platform. Venmo refuses to help on this matter thus I am filing a complaint against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Consumer Opt-Out XXXX XXXX XXXX XXXX XXXX Tx XXXX Acct : Fair Collections & Out XXXX To Whom It May Concern : This letter is being written to dispute the account, which I have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency/creditor on several occasions as well, and they have yet to respond to my dispute, therefore, your company could not have reached them concerning this debt. Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well as verify it's accuracy. If the account can not be verified, your company must delete the account from my credit report. If you can't show proof that you have verified this debt and you continue to list this item on my report, I am prepared to sue your company under the Fair Credit Reporting Act. 

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

n accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

i received a copy of my credit report and realized this company is reporting fraudulent inaccurate information on my credit report. i have requested that they provide the agreement where i signed for this to report on the behalf of my credit, and to verify that this late payment is accurate i am asking for full validation of this debt that this debt belongs too me, i have read about the fair credit reporting act where by law, that i have the right to challenge anything innacucurate, i ask that they send the aggreement to show full ownwership to see if this account belongs too me. i ask for deletion of these inquiries from my report asap please 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent : XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently moved to another town and went to open bank account and I was refused and they gave me a print out showing me it was because of XXXX  I contacted them and they were no help I go get a loan it was because of XXXX I didn't even know I had anything to do with XXXX before I moved I had a credit score of XXXX and when I get to another town it was XXXX I don't understand and can't get any answers and know one wants to help me