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

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TransUnion TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Verification XXXX XXXX XXXXXXXX Validate Account * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file. 



15 U.S.C Sec 602A. States I have the right to privacy 15 U.S.C Sec 604A. Also, states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit card or prepaid card

CFPB NO : XXXX Violation of federal laws and refusal to require business to provide proof the customer is liable for the amount charged and failure to require business to provide proof the customer authorized the charges be placed on the credit card. 
I have repeatedly requested in telephone conversations and in writing for Capital One to provide proof from XXXX XXXX XXXX XXXX XXXX showing in writing I agreed to pay or am liable for the charges placed on my credit card for : XXXX XXXX XXXX XXXX, and XXXX XXXX. As of XXXX XXXX, XXXX not XXXX item has been provided by XXXX XXXX XXXX XXXX XXXX for any of the charges above. I have repeatedly requested in telephone conversations and in writing for Capital One to provide proof from XXXX XXXX XXXX XXXX XXXX showing in writing I agreed to allow all of the above charges to be placed on my Capital One credit card. As of XXXX XXXX, XXXX XXXX item has been provided by XXXX XXXX XXXX XXXX XXXX that I authorized XXXX XXXX XXXX XXXX XXXX to use my credit card. Capital One has required me to pay the charges under threat of late fees, interest, etc. if I dont pay the charges on time. I have tried to put the charges in dispute. I have been successful with a few of the charges being placed in dispute. However, Capital One has required me to pay XXXX that I dont owe and have never agreed to pay to XXXX XXXX XXXX XXXX XXXX rather than put these charges in dispute. Capital One insists I pay another XXXX that I dont owe XXXX XXXX XXXX XXXX XXXX. Capital One has never required XXXX XXXX XXXX XXXX XXXXXXXX to provide any documented proof the charges are legitimate and authorized by me. I believe it is a violation of federal law for a business to hold a customer liable for payment without the customers agreement to pay. I have never agreed to pay any of the above charges to XXXX XXXX XXXX XXXX XXXX. I believe it is a violation of federal law for a business to place unauthorized charges on a customers credit card. I have never given XXXX XXXX XXXX XXXX XXXX permission to place any of the above charges on my Capital One credit card. I have never seen a single sheet of paper pertaining to any of the above charges on my Capital One credit card by XXXX XXXX XXXX XXXX XXXX. Capital One has used unrecognizable photos as proof to require me to pay the charges.
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 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

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX
Product: Debt collection

After months and months of battle, it was today XX/XX/2019 that XXXX deleted it from my credit, they keep reporting on my credit since may, they have cause so much damage to my name and reputation. I call for justices Account details XXXX $ open balance Original creditor XXXX XXXX XXXX Opened XX/XX/2019 ( 9 mos ) HIGH IMPACT * needs attention
Product: Credit reporting or other personal consumer reports

This XXXX XXXX XXXX XXXX began after servicing was transferred from XXXX to XXXX. XXXX in XX/XX/year>. The transfer period from XXXX XXXX. XXXX stated to be 60 days per an email and also a letter delivered by the US Postal Service. In addition, the email and letter states that there will be no late fees or negative credit reporting during the transfer period of 60 days beginning in XXXX. 

The transfer period was therefore still in progress in XX/XX/year>. The account was refinanced to XXXX XXXX XXXX XXXX before the completion of the transfer period in XX/XX/year>, and the XXXX XXXX XXXX XXXX was paid in full. As a matter of fact, XXXX. XXXX sent me a refund check, dated XX/XX/year>, greater than the amount of the mortgage payment. 

Based on the email and letter from XXXX. XXXX stating that the mortgage loan had a XXXX transfer period with no late fees or negative credit reporting during that period and the account still being in the transfer period ( XXXX XXXX XXXX XXXX. XXXX inaccurately reported a 30-day late to XXXX, XXXX, and Transunion for XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these accounts immediately.. They should not be on my report. This is fraud. I have proof of fraud. I've already sent it to all bureaus with no changes. I dont know what the issue is but remove it immediately because the credit bureaus are supporting fraud!!!! 

XXXX XXXX Opened Date XX/XX/XXXX Balance {$770.00} XXXX XXXX XXXX   Opened Date XX/XX/XXXX Balance {$4400.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$4700.00} XXXX Opened Date XX/XX/XXXX Balance {$6500.00} XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Checking or savings account

I became aware that a checking account was opened in my name via email on XX/XX/XXXX saying that my debit card was mailed out. I never opened an account with Bank of America. I tried several times to speak to someone about this but the automated system will not allow you to speak with anyone without an account number or debit card number. I did not have any of this information because I did not open the account. After trying several numbers for bank of america I was able to get to an accounts salesperson who informed me that account was opened in my name but I would need to speak to the fraud department. In speaking with the fraud department I was told that I would receive information on on the account but they were unable to provide the information over the phone. I was sent an email suggesting me to report identity theft to the credit bureaus. Ofcourse I did report this but I never received the information promised to me about the account opened in my name. I received a debit card one to my parents address and another to my updated address I gave when reporting the unauthorized account. I have received several emails referencing new accounts. These seems to be multiple accounts based on the emails received after XX/XX/XXXX
Product: Credit card

acct included under XXXX bakruptcy and was closed on XXXX/XXXX/09 and still showing under my XXXX credits bureaus.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft since XXXX  I have poof that my identity have been compromised it not fair to me that I got to suffer from someone else wrong choices I have no knowledge of the accounts thats reporting to my credit report they have been open with my information fraudulently the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent supporting documents stating that my identity where compromised and the accounts we open without my consent or knowledge using my information Under federal law 15.USC 1681A SECTION 2B STATES THAT I HAVE THE RIGHT TO DELETE ANYTHING OFF MY CUSUMER REPORT THAT HAVE BEEN OPEN USING MY INFORMATION WITHOUT MY CONSENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section : It also says 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: Credit reporting, credit repair services, or other personal consumer reports

Over 30 days ago I wrote to your institution advising you of negative account information on my credit report which was flat out incorrect and erroneous. I researched the information and after not having the creditors able to validate any of it, I only then reached out to you by mail to get these items removed. Much to my disbelief you claimed that these items were largely valid and would remain on my credit report. The same creditors you claim to have contacted are unable to verify the accuracy of the account information.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Late Payments Account XXXXXXXX XXXX XXXXXXXX # XXXX Dear Credit Officer, I am writing to formally dispute the accuracy of the reported late payments on my credit, Account # XXXX. Upon reviewing my records, I have identified discrepancies with the late payments reported on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX According to consumer protection laws : 1. 15 U.S. Code 1637 : This regulation requires that all information related to my account be accurate and complete.

2. 15 U.S. Code 1681i : This law mandates that creditors investigate and correct any inaccurate or incorrect information appearing on my credit report.

3. 15 U.S. Code 1681s-2 : This provision obligates creditors to notify credit bureaus of any errors or disputes related to the account.

After carefully reviewing my payment history, I believe the reported information is inaccurate. Therefore, I am requesting that you initiate an immediate investigation to verify and correct any errors.

Additionally, under the regulations set by the Consumer Financial Protection Bureau ( CFPB ), you are required to take corrective actions should the information be found incorrect. I also request the removal of any inaccurate late payments from my credit reports with all relevant credit bureaus ( Equifax, Experian, and TransUnion ).

Enclosed are copies of my credit report and any supporting documentation relevant to this dispute.

Please confirm in writing that you have received this letter and inform me of any actions taken as a result of this investigation within the timeframe set by law.

Thank you for your prompt attention to this matter. I look forward to your response and the immediate correction of the inaccurate information. 

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

I have sent Chase Bank three certified letters ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all three in XXXX attached ) that I disputed two accounts ( Account number XXXX, Charge-off Balance {$6500.00} and Account number XXXX, Charge-off Balance {$1900.00} ) on my credit report. I have requested an investigation of these accounts and of any proof that these accounts are mine but they have ignored my letters and phone calls. More importantly they have refuse to include a posting of a Notice of Dispute to my XXXX and XXXX credit reports which is a requirement that needs to be placed no later than 30 days after being notified of the dispute. As of XX/XX/2022 that has still not been done ( see attachments ). 

Per the FCRA : FCRA Section 623 ( b ) ( 1 ) provides than when a furnisher receives a notice of dispute regarding the completeness or accuracy of reported information from a CRA, the furnisher must conduct a reasonable investigation and review all relevant information provided by the CRA. 

Duty to Provide Notice of Dispute. If a consumer disputes the completeness or accuracy of furnished information, the furnisher must provide a notice of the dispute to the CRAs when furnishing the disputed information. The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default. 

Timing of Notice. The financial institution must provide the notice to the customer no later than 30 days after furnishing the negative information to a CRA. 

Substantial Penalties for FCRA Violations Not complying with the FCRA can subject the furnisher to statutory damages of $ 100- {$1000.00} per violation. The FCRA states that plaintiffs can also win punitive damages and recover attorney fees, these types of violations make appealing class-action targets. 

Attached are my current ( XXXX XXXX ) XXXX and XXXX credit XXXX of the Chase Bank account XXXX As you can see there is no Notice of Dispute even after XXXX months of disputing this account to the furnisher, Chase Bank.
Product: Debt collection

This is the second complaint I have filed regarding this issue but I have more detail to add. 
On XXXX/XXXX/XXXX I received a call from " XXXX '' at XXXX. I have traced this number to XXXX XXXX XXXX in XXXX XXXX California. XXXX said XXXX uniformed officers were coming to my house on XXXX/XXXX/XXXX to serve me with some legal papers. XXXX gave me a number to call, XXXX, and a case number XXXX, also in XXXX XXXX, California. Someone I called at that number said they were from XXXX XXXX and XXXX. I can not find a listing in XXXX XXXX for this firm. 
The woman I spoke to at extension XXXX, told me this was about a credit card that was charged off in XXXX. I know the statute of limitations for lawsuits in Florida. This would be a dead debt. She then went on to claim that I made a deal in XXXX XXXX XXXX she gave an exact date ) with some collector and started paying this debt and defaulted, thus renewing the debt. I did no such thing, I wrote no checks or money orders, I made no negotiations and I neither talked or spoke to anyone from XXXX XXXX Bank XXXX XXXX in XXXX XXXX. She fabricated this story as a scare tactic. This woman went on to say she was giving me XXXX hours to get my " ducks in order '' and call this creditor before legal action would be taken. 
I do n't understand how this company can claim I made a payment or negotiated with a debtor when I know this is not true. This is fraud.
Product: Debt collection

XXXX Data Breach I am writing to formally dispute unauthorized activities on my credit cards XXXX XXXX XXXX XXXX my concern regarding the recent XXXX data breach that was publicly disclosed in XX/XX/year>. My personal information name, Social Security number, driver 's license number, was compromised in this breach. 

Since the breach, These incidents have caused significant distress and potential harm to my financial standing and personal security. 

I request the following actions to be taken immediately : **Investigation and Resolution** : Conduct a thorough investigation into the unauthorized activities associated with my account and provide a detailed report of your findings. 
** Account Security** : Ensure enhanced security measures are applied to my account to prevent further unauthorized access. 

**Compensation and Support** : Offer compensation for any financial losses incurred due to the breach and assistance in resolving any issues related to identity theft. 

Please acknowledge receipt of this letter and provide a response detailing the steps that will be taken to address my concerns within 14 days. 

Thank you for your immediate attention in the matter.
Product: Debt collection

XX/XX/XXXX I have received phone calls at work and on my mobile phone regarding a debt that is owed by alleged law firm. I have been harassed repeatedly. They have threatened legal action, and to serve me papers at my place of employment. Also, I have been left messages saying that they have contact the HR department as well. The debt is allegedly for {$100.00}. From my understanding, if a company has written off a debt and sold the debt to a third party, the individual is no longer responsible for the debt. According to the person who called, XXXX, this is from a debt that occurred in XX/XX/XXXX. The action I want taken is for them to stop calling my place of employment threatening to fax sensitive information. I have never received any correspondence in the mail or via email. I would rather see something in writing before giving sensitive information to someone over the phone. I have also been threatened with jail time as well, the individual I spoke with that day was XXXX. This happened in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never have or had an account with a utility compa ny. ( Nev er have a utility account in my name in the Unite d States ). A mount shown on my credit report is {$1000.00} as collection on  XXXX   XXXX ,  2017 . I disputed this amount  with Trans Union an d they refused to delete it from my report.
Product: Debt collection

XXXX from the company is calling me and multiple other people trying to gain information. Does not identify the debt she is trying to collect. Multiple parties have asked them to stop calling. She is continuing to call repeatedly.
Product: Credit reporting or other personal consumer reports

I have repeatedly raised concerns with TransUnion regarding inaccuracies persisting in my credit report, despite numerous notifications you ( transunion ) continue to report this inaccurate information. This situation not only appears to be grossly unfair but also runs afoul of the law. As stipulated in 15 U.S. Code 1681 ( b ), reporting agencies are mandated to adopt reasonable procedures for the fair and equitable treatment of consumers concerning the confidentiality, accuracy, relevancy, and proper utilization of information. 

The ramifications of this inaccurate reporting are severely hindering my ability to move forward in life with my family. I have explicitly communicated to ( TransUnion, XXXX, or XXXX ) that I do not consent to the inclusion of this flawed personal information in my consumer report and they need to be deleted because of inconsistent information. This stands in clear violation of both 15 U.S. Code 1681 and 15 U.S. Code 1681c2. I insist that you ( Transunion ) take immediate and decisive action to block and delete the specified personal information from being reported on my consumer profile within four days of receiving this notice. I anticipate your prompt response and resolution of this matter, recognizing the gravity of the situation. 

You are required to do what I am asking and block and delete the mentioned accounts in my attached letter from being reported to my consumer report within 4 days from the date of the receipt of this notice. This request is not being made in error and I will be contacting both of the other bureaus ( XXXX XXXX XXXX ) that are also in violation of reporting this account inaccurately.
Product: Debt collection

On XX/XX/XXXX  my friend XXXX Called in around XXXX CTS and spoke with XXXX XXXX regarding my debt. XXXX Failed to get XXXX 's first and last name on that phone call. he went ahead and disclosed details regarding my debt to XXXX with out going through any verification process as to who he may of have been speaking with. Under XXXX XXXX understanding he can disclose my personal information to ANYBODY that has my date of birth ( seems like that may be an oversight in training ). My understanding of the FDCPA is that as debt collectors they are required by federal law to keep my privacy protected and to not disclose my personal info to an unverified party. i feel like they are in direct violation of third party discloser laws, covered under SUB SECTION 805 B of the FDCPA. I feel like they are in Violation of my rights, and i am asking them to Cease Collections on this account immediately and to remove off my credit report, as they are in violation of federal law, and they have failed to keep my rights as a consumer protected.