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

For several years to-date, TransUnion and XXXX are committing some XXXXXXXX activity on my Credit Reports XXXX XXXX effort to suppress my XXXX  account and my Credit Scores, Ive never XXXX a balance on this account since I received this pitiful little Secured XXXX  Card, I mean really! This month TransUnion Reported a {$260.00} balance due on this account, again Ive never once had a balance on this XXXX XXXX card account. To Counter this threat by TransUnion XXXX XXXX, at my beautiful creative XXXX  years and at the mere age of XXXX, I keep forgetting that Im a XXXXXXXX XXXXXXXX and Ive got to use other Resources besides the CFPB, Consumer Financial Protection Bureau, because of this personal threat by TransUnion XXXX XXXX, For this Cause, Ive Reached out to the U. S. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, their XXXX XXXX XXXX XXXX at XXXX to investigate this threat to both myself and other XXXXXXXX XXXX across the country to investigate this Real threat to the XXXX XXXX XXXX Community to-date. Please help with this investigation and threat with this blatant disregard & criminal activity by TransUnion XXXX XXXX with False Accuracy of Reporting under the Fair Credit Reporting Act, FTC. Federal Trade Commission, 15 U.S.C. section 1681 & 1682. Im going to bring attention to every Federal agency available, see because if these REPORTING AGENCIES are threatening me like this with the wealth of knowledge Ive got, these criminals are certainly Dumbbells if you ask me, Real Dumbbells!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has submitted 4 request to have the account removed from my report and the account has not been removed. Ive also disputed this account on 3 separate occasions but XXXX   XXXX XXXX has verified the account has responded to the dispute as valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  poses a mistake reporting wrong information in my credit report ... this account is not mine .... was open in XX/XX/2022.
Product: Debt collection

spring oaks capital is trying to collect a debt and not showing contract of debt and reporting debt on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All the major credit bureaus have continued to disrespect existing laws regarding my case. I have showed them multiple times of how they have been inaccurate in their reporting, and as such are violating the Fair Credit Reporting Act.

The law regarding article 15 USC 1681i ( 5 ) of federal law, credit bureaus have to modify or delete accounts that are not reporting accurately.

These credit bureaus have violated article 15 USC 1681b ( 1 ). They have had no written permission to report inaccuracies.

As an American Citizen, Article 15 USC 1681 provides me with privacy rights and protections.

According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

The law is clear regarding in this regard and the credit bureaus have shown no respect for the laws of this land.

Just as the little guys is held accountable for thier action, equally NO ONE IS ABOVE THE LAW.

I am asking for help from CFPB to help straighten my case.
Product: Debt collection

XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX, FL XXXX CHOICE RECOVERY INC Reported : XX/XX/2020 + {$210.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this  title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CHOICE RECOVERY INC Reported : XX/XX/2020 + {$210.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX   XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit 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 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. 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 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

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately DISCOVER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Prepaid card

I have 2 American Express gift cards. Both are declined at every place I've tried to use them. I've spent hours with Customer Supports and they give the same answer, cards are ok. I have about {$200.00} tied up between the 2. They won't refund, so I'm out the money with 2 useless cards.
Product: Credit reporting or other personal consumer reports

While in the process of securing funding and obtaining a home loan, I discovered that an inaccurate collection account reported by XXXX XXXX XXXX was added to my credit reports with Experian, XXXX, and XXXX. This account is not mine, and I have no knowledge or contractual obligation with this company. Despite submitting formal disputes and providing evidence that the account was fraudulent and a result of identity theft, the credit bureaus failed to protect me as a consumer under the Fair Credit Reporting Act ( FCRA ). Their failure to conduct a proper investigation caused significant harm to my credit profile and delayed my ability to access critical funding opportunities. The false account was first noticed in XX/XX/year> and has since interfered with major financial milestones. 

Additionally, there are multiple unauthorized hard inquiries on my credit reports that I also reported as fraudulent in my FTC Identity Theft Report. I contacted Experian, XXXX, and XXXX directly to dispute these inquiries and was told the fraudulent inquiries would be removed within XXXX hours. It has now been almost a month, and the inquiries remain on my reports. This further demonstrates their failure to protect my rights as a consumer and has continued to damage my creditworthiness at a crucial time. I've had to send another letter on XX/XX/XXXX when I had sent a letter and called the bureaus in XXXX. I also disputed directly online with each bureau. I'm having to spend unnecessarily to send off all my mail certified.
Product: Credit card or prepaid card

I had maintained two MasterCard Cash Reward accounts with Bank of the West, but did not receive the cash rewards stipulated by either one of them : 1. {$330.00} on one account, and 2. {$6.00} on the second account. I attempted three times to redeem these rewards, first by calling the bank call number, second by visiting the XXXX XXXX branch, and the third time writing a letter to the bank, but they have failed to provide my earned rewards.
Product: Vehicle loan or lease

XXXX - I originally owned and was financing a XXXX purchased in XXXX XXXX. 
XXXX - moved to XXXX  and traded in my XXXX for a XXXX XXXX XXXX XXXX. Also finance. 
XXXX - moved back to XXXX XXXX and attempted to change my registration to get XXXX  plates. 
From XX/XX/XXXX until now, XX/XX/XXXX, I have made many many phone calls to XXXX trying to resolve the issue and get my title released to change my plates. I keep getting the workaround of waiting a week, 2 weeks, etc., even after speaking to managers. Some people at the company have said they sent the title to my address. Others in the very same day would tell me the title was never printed yet and to give them another week. Just lies and the same workaround. I was also told my title was sent to the XXXXDMV and to ask them about my title. I have been spending excessive amounts of money on tolls just because I cant change my plates to XXXX. I am also at risk if someone decides to stop me and check my registration since I should change my plates to XXXX  within 30 days of moving back. 
This is so infuriating and frustrating and Im tired of getting jerked around. I just want my XXXX title so I can change my plates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward to a quick correction of the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

UN-AUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX, Paxful.com frozed my account suddenly without made an advice, containing aprox. XXXX Bitcoins. They adduce a " Compliance Review '', so I'm shocked about their decision. Every time contacted to paxful support says : " Thanks for getting in touch about the status of your account. 

We understand how difficult this must be for you, not to be able to use your account. Please bear with us as the account review is still ongoing. We are unable to resolve or grant your request to access your account at the moment. 

Rest assured that we are doing our best to speed up the review. Once there is an update, we'll definitely let you know. For now, no need to do anything but wait until further advised. 

We hope for your kind understanding and we appreciate your patience regarding this matter. '' As you can see, they don't give me a date to withdraw my funds and apparently they want to scam me with the Compliance review story.
Product: Debt collection

Hello, I used to live in the apartments called XXXX XXXX XXXX about 4 years ago. Supposedly I never " paid '' my last month of rent. I belive that the staff never submitted my last payment, I cleaned the entire apartment even deep clean the carpet, hand in an envelope with the keys, mail box keys and pool pass. I never received any letter through the mail regarding this matter at all. It appear in my credit account out the blue years later. Hunters Warfield and I came into a agreement and paid {$1000.00} to pay off the debt. I need this account closed and gone from my credit as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX Nc XXXX XXXX XXXX XXXX Companies Names XXXX XXXX Equifax Amount of debt : XXXX Date of Service : XX/XX/2019 Provider of Service : XXXX XXXX XXXX Dear XXXX agent, I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

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

There is a hard inquiry on my XXXX credit report from a Barclays Bank Delaware on XX/XX/2024 but didnt apply for credit or otherwise consent to a hard inquiry.
Product: Credit card

I had received a promotional bonus from Chase for the Freedom Unlimited credit card. The terms were that Chase would automatically match all the cash back I earned on purchases at the end of my first year and I would receive a one-time bonus equal to all cashback rewards earned during my first 12 monthly billing cycles from account opening with my Chase Freedom Unlimited card. 

Chase only credited me with 11 months worth of points. I have messaged with them repeatedly about this. I have the statements which show my points earned. They never credited me for the last month of point earning and their response is just a generic answer that the points they gave me are correct. They are not providing any reason for not giving me the last month of points earning. Here are my statements for the promo period : statement # XXXX ( XX/XX/XXXX - XX/XX/XXXX ) - XXXX statement # XXXX ( XX/XX/XXXX - XX/XX/XXXX ) - XXXX statement # XXXX ( XX/XX/XXXX - XX/XX/XXXX ) - XXXX statement # XXXX ( XX/XX/XXXX - XX/XX/XXXX ) - XXXX statement # XXXX ( XX/XX/XXXX - XX/XX/XXXX ) - XXXX statement # XXXX ( XX/XX/XXXX - XX/XX/XXXX ) - XXXX statement # XXXX ( XX/XX/XXXX - XX/XX/XXXX ) - XXXX statement # XXXX ( XX/XX/XXXX - XX/XX/XXXX ) - XXXX statement # XXXX ( XX/XX/XXXX - XX/XX/XXXX ) - XXXX statement # XXXX ( XX/XX/XXXX - XX/XX/XXXX ) - XXXX statement # XXXX ( XX/XX/XXXX - XX/XX/XXXX ) - XXXX statement # XXXX ( XX/XX/XXXX - XX/XX/XXXX ) - XXXX The total for first XXXX statements is XXXX and this is the amount of points I have been credited for the promo. I have not received the XXXX from the last statement month and they are refusing to give it to me despite saying that the promo included 12 months of statement points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated under 609, or can not be verified. as is my right, I am requesting verification of the following items. 

Account Name : DEPT OF ED/XX/XX/XXXX Account XXXX Account Name : DEPT OF ED/XX/XX/XXXX Account XXXX Account Name : DEPT OF ED/XX/XX/XXXX Account XXXX Account Name : DEPT OF ED/XX/XX/XXXX Account XXXX Account Name : XX/XX/XXXX Account XXXX Additionally I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have verifiable Proof of my signature. Please send me proof my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE