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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau 1700 G Street, NW Washington , DC 20552 Subject : Complaint Regarding TransUnions Deletion of Positive Rental Account Dear Sir/Madam, I am writing to formally file a complaint regarding the actions of TransUnion in handling my credit report. Recently, I noticed that TransUnion removed a positive rental payment account from my credit report without proper justification. This account, reported under [ Account Name : " XXXX '' or specify the exact name if listed differently ], demonstrated a perfect payment history, with all rent paid on time. 
The deletion of this account not only misrepresents my creditworthiness but also resulted in a significant drop of XXXX points in my credit score. This action undermines the accuracy and fairness of credit reporting, which is a direct violation of 15 USC 1681, specifically the requirement for accurate and complete reporting. 
TransUnion 's actions are consistent with a troubling trend Ive observed with XXXX XX/XX/year> and XXXX XX/XX/year>, where positive accounts are deleted from consumer credit reports, causing undue harm to consumers ' credit scores. Such actions negatively impact my financial standing and trust in the credit reporting system. 
I kindly request the CFPB to investigate this matter thoroughly and ensure that TransUnion reinstates this account promptly. Additionally, I urge you to take appropriate measures to prevent similar issues from occurring to other consumers. 
For your reference, I have attached evidence of the account details and payment history before its removal. I am available for any further information or documentation needed to assist with this investigation. 
Thank you for your attention to this matter. I trust the CFPB will take the necessary steps to address this issue effectively. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recieved a notice in and around the second week of XXXX of 2023 from Phillips & Cohen Associates , Ltd . Claiming that I owe an alleged debt to PCA Acquistions V LLC. 
I have never done business with them at all. I have a dispute letter that I will send to them via mail. I have questions for them regarding the alleged debt and question its validity, I need proof of their claims. 
The alleged debt amount is : {$5600.00} I will attach what they sent to me in this complaint.
Product: Debt collection

I had a debt from Discover that is currently with XXXX XXXX XXXX. I contacted them to clear up the debt but I was told that they had to resend the debt back to Discover because they can not collect on it. I am waiting for them to resend the debt back and it is seems like they are ignoring my concerns.
Product: Debt collection

XXXX XXXX is a victim of identity theft as my non public personal information was exposed and compromised in the Equifax DataBreach, as reference in the Equifax Data Breach Settlement, reference number XXXX. These inaccuracies are having a direct and negative impact on my credit worthiness and I demand immediate action to rectify this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am filing this complaint against Experian for violating my rights under the Fair Credit Reporting Act. During a reinvestigation, pursuant to 15 U.S.C. 1681i ( 7 ) of the FCRA, I was supposed to receive a description of the procedure used to determine the accuracy and completeness of the information on my credit file from Experian no later than 15 days after receiving my request for that description. I requested a description of the procedures used to determine the accuracy and completeness of the information reporting to my file through CFPB complaint numbers XXXX, XXXX and by certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. It is now XX/XX/XXXX, and I have not received anything from Experian regarding this matter. It is my belief that no such records exist and my right to privacy has been violated for profit. My financial reputation is being ruined due to Experians blatant disregard for federal law. It is my belief that Experian feels comfortable committing blatant violations of the FCRA because they know the CFPB wont enforce the laws set forth by congress as shown time and time again. Experian has caused me sleepless nights, stress, XXXX, and XXXX due to its profits over the law mentality. Pursuant to 15 U.S.C. 1681i ( 5 ) ( A ) If after any reinvestigation any information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app Block , Inc due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Futhermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA and Regulation E. These actions have caused a significant inconvenience and financial loss, and I seek appropriate redress
Product: Credit reporting or other personal consumer reports

I recently reviewed my XXXX credit report XXXX and identified multiple inaccuracies and incomplete information. As per the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in the information they provide. The following accounts listed in my credit report have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : The accounts, names, address, Under FCRA 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure maximum accuracy of reported information. However, the details of this account contain multiple discrepancies and errors, violating federal reporting guidelines.
Product: Debt collection

You already know that I was in jail from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and your institution has my discharge papers from jail. Att reported a debt of {$850.00} to AFNI collection agency after I talked to them on the month of XXXX about what happened to me, I told them that I 'm gon na start making payments beginning XXXX XXXX they said it was ok but when I checked my XXXX report today XXXX/XXXX/XXXX I saw that they reported to the collection agency, i told them that I need time that I 'm looking for a job and I 'm even receiving mental treatment because of the situation I lived and the problem was with my baby 's mother. I contact ATT several times but they keep saying that I need to pay this immediately that they do n't have to follow the note of my explanation to them back on XXXX of this year and they transfer me to the collection agency. My Att phone number was XXXX I do n't have the account number right now but I think with the phone number you can get into my account and my social security # is XXXX. Please contact AFNI collection agency and explain them the situation and tell them to remove this from my credit report as the credit law command and also contact att regardless of this situation. Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. XXXX XXXX XXXX XXXX, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a 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

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXIf you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under XXXX XXXX XXXX. 

Equifax is govern by XXXX XXXX XXXX. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to XXXX XXXX XXXX : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

In accordance with the fair credit Reporting act XXXX Account # 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 : 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 account under an open end customer credit plan as late for any purpose.
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 : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 XXXX 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 am submitting this complaint about experian and XXXX XXXX XXXX. I have this account " XXXX XXXX XXXX '' reporting on my experian credit report that is a result of fraudulant charges. The rep I just spoke to at experian did a 3 way call with XXXX XXXX  XXXX to finally try and resolve this issue however I was told that it might be too late to report this card as fraudulant charges made on it and I need to contact the fraud dept and or the collection agency. I explained that I spoke to the CEO for XXXX XXXX XXXX XXXX XXXX and it was agreeded upon to remove this account off my credit report. XXXX had finanilized there investagation and it was removed off my report however experian will not delete it nor will XXXX XXXX XXXX. I was suppose to be mailed awhile ago fraud forms to fill out but never received the forms. Now I am being told it might be too late or I might have to settle the debt with the collection agency. I explained to the rep at XXXX XXXX XXXX " XXXX '' that I am not going to pay for something that I did not purchase. That 's not right. She explained to give them a call. I asked what if I am told the same thing that it 's too late to report these charges as fraudulant?. I am left with this debt reporting on my experian credit report and again that 's not right because it is affecting my credit score for something I did not do.
Product: Checking or savings account

I ordered medication on XXXX medication was received on XX/XX/XXXX. The medicine was different from my previous orders. I contacted business for explanation, I was given an explanation that the compounding of the medication had been changed.. I informed them that I was not notified of this changed and was not comfortable with this. I also ask for the pharmacys info so I could verify this change and was told they could not provide pharmacy details.. which is illegal I as a consumer have the right to know where my medication is coming from. 
I then was called by business owner and she was very defensive and aggressive on the phone. I told her I wanted a refund and I would send the medications back. 
She declined that request. 
I immediately filed a complaint with my bank PNC for a charge back on XX/XX/XXXX. 
To this current day XX/XX/XXXX I have not been notified of any update by email or letter. 
I called the PNC and spoke with a representative and was told today that they have not heard from the merchant after a request and that by XX/XX/XXXX if they havent heard from merchant they would most likely deny my claim on a refund of my funds of {$480.00} My finds are suppose to be protected through my financial institution and I feel I have been let down and betrayed. 
I was scammed by a merchant with no recourse on my behalf. 
I bank with 2 other banking institutions and I have never been treated like this with any situations of this nature. 
As a customer of this bank I feel as though Ive been scammed twice. 
This merchant illegally sold me something that I was suppose to inject into my body and because I called them and questioned the authenticity of the product and demanded a refund for my own well being and health Im being punished by losing a significant amount of funds.

Im reaching out to see if I can get some resolution through your organization. 

I look forward to hearing back regarding this matter. 
Thank you. 
XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every 30 days since XX/XX/2021 I have written to the bureau advising them that my personal information is incorrect but they still have not made the corrections. With every letter I include my GA state ID and my social security card as proof that : My name is XXXX XXXX XXXX. Any other variation of my name is unknown and unless it can be verified should be removed. My only address is XXXX XXXX XXXX XXXX, GA XXXX. Any other address is unknown and unless it can be verified should be removed.
Product: Debt collection

I live at the XXXX XXXX with a one year lease. The apartment caught fire in XX/XX/XXXX/XX/XX/2013 due to faulty wiring. The complex moved people to cheap hotels around the area. I chose to move out shortly afterwards because of safety issues since the XXXX failed to provide an safe residential environment to residents as outlined in the lease. The XXXX has now hired a collection agency to have me pay {$3000.00} ( I am not sure what for ). The collection is on my credit report ( Hunter Warfield - XXXX XXXX XXXX XXXX, XXXX XXXX ). The address for the XXXX is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Debt collection

XX/XX/XXXX became a member of American Express through a timeshare. In XX/XX/XXXX after some issues with finance I put all the bills that was allowed under XXXX XXXX XXXX. At that time American Express had submitted my account to XXXX XXXX XXXX, XXXX. ( XXXX ) Acct # : XXXX which is a collections agency. This account has been paid on time since XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. ( XXXX ) Acct # : XXXX made an agreement. My concern is that it seems American express keeps sending negative hits to my credit account and they should not continue to do this since a collection agreement has been made and is being fulfilled. I am writing you all for assistance because I keep getting a run around from American Express when I call them to update them that their debt is being paid. You are welcome to contact XXXX XXXX XXXX on my behalf my Client ID number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed for 4 months with no results XXXX rights being violated as a consumer. I found multiple inaccuracies and FCRA violations which i brought to each bureau 's ( Transunion, XXXX and XXXX ) attention and Not only did they not delete these accounts but they never sent me a response at all within 30 days after receiving my disputes. 

I have attached the accounts with all the violations listed with pictures of these as well. 
According to THE FCRA these accounts must be deleted but for some reason these companies think that they're above the law and dont do what is required of them. 
These accounts are creating damages in my personal and financial life due to their false reporting and I need it fixed immediately please.
Product: Credit reporting or other personal consumer reports

I AM VICITM OF IDENTITY THEFT. I FOUND FRAUDULENT INFORMATION BEING REPORTED TO MY CREDIT REPORT. THE ACCOUNT XXXX XXXX REPORTING A BALANCE OF {$350.00} OPENED XXXX XXXX, THE ACCOUNT XXXXXXXX XXXX REPORTING A BALANCE OF {$5400.00} OPENED XXXX XXXX, THE ACCOUNT XXXX XXXX  A REPORTING A BALANCE OF {$2100.00} OPENED XXXX XXXX, THE ACCOUNT XXXX XXXX XXXX  REPORTING A BALANCE OF {$410.00} OPENED XXXX XXXX AS ALL SHOWN ON MY CREDIT REPORT IS NOT MINE AND WAS NEVER OPENED BY XXXX XXXX. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE TO CORRECT MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX, I reached out to XXXX, Transunion, and XXXX, asking them to investigate Account Name : XXXX XXXX XXXX XXXX, Account XXXX. They claim to have done their due diligence with their investigation, but there are still multiple inaccuracies across all three consumer reporting agencies ( XXXX, Transunion, and XXXX ). These inaccuracies are highly injurious to my credit report and my credit score. In accordance with 15 USC 1681e : Compliance procedures subsection B " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Listed below are just a few of the inaccuracies. 

Highest Balance : Experian- {$5000.00} Equifax- {$3500.00} XXXX {$5000.00} Date of Last activity : Experian- XX/XX/XXXX Equifax- XX/XX/XXXX Transunion- XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

In XX/XX/2018 my car was repossessed I paid XXXX at one time plus I made five payments of XXXX ... my loan amount was for XXXX Now they say I owe them {$6000.00}
Product: Debt collection

In the XX/XX/XXXX I found out about identity theft on my credit report while going through a car loan process with my bank. I have been working closely with Experian and have filed a report with the FTC, the Police Department, as well as with every incorrect collector on my credit report. The person who stole my identity had access to my information including drivers license, signature, addresses, and social security number. It has been documented all all reports that they had used both my name as well as a " AKA '' which has since XX/XX/XXXX. Some names and accounts been removed from my report since starting to fight this almost a month ago. 

While a few creditors have already given me notice that they 've removed their information from my reports XXXX companies have proven to be rather difficult. I will write a separate complaint for the other. The XXXX one called Allied Services has missed their 30-day window of validating the debit on my account. I sent them a certified signature and required letter, which I received confirmation that it was received XX/XX/XXXX. 

On XX/XX/XXXX I sent them a follow up certified and signature required letter informing them that they failed to validate the debit within the 30 days. I also informed them the account needed to be removed from my credit report in a reasonable time frame. 

Today, XX/XX/XXXX I received a phone call from Allied Services XXXX insisting that I contact them. This has prompted me to file my complaint. I specifically requested in my XXXX letter that all correspondence must be done in writing and that there I requested that no calls be made to my work or residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I was submitted Disputes letter regarding to those inaccurate and unknown accounts on my credit report. Over 30 Days now but I didn't received any response. I was a victim of XX/XX/XXXXData Breach. I demand to Deleted those account ASAP or I will file a litigation.
Product: Checking or savings account

XX/XX/XXXX Six unauthorized transactions were noticed in our account. Three each from people we do not know. Very typical debit card fraud. Paypal recorded telephone line says they could not take our call. They did not offer a return call, they just sent us to their website. We disputed the charges on the website. Received email denials XX/XX/XXXX, XX/XX/XXXX on our cases saying the charges were authorized. They were not authorized but no-one will answer our call after numerous attempts to explain why they made this determination.. The amount is approximately {$180.00} and we did not make purchases or authorize any purchases. There is no description of what was purchased. This is purely negligent on Paypal 's behalf not to give us an explanation why they denied our complaint but more importantly we can not speak to anyone after a week of attempts by phone. They simply say on a recorded line they " do not have the personnel to answer a phone call. '' Q : Isn't a bank required Not to be closed for more than 3 days?