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

Transunion mixed my identity with someone with a similar name that lived in the same area and despite being informed of the mistake many times and receiving my correct information through mail multiple times, hasn't corrected the problem, which blocks me from simple things like getting a phone service with a company that runs credit checks. 

This has prevented me from getting approved in rental applications and most definitely impacts my ability to lead a regular life, apply for mortgage or even jobs in financial institutions that have as requirements clean background checks. 

I have already provided my information in the way the bureau requires multiple times over the course of the past 4 years and nothing changed. I'm tired of mailing packets with my documents around only to be frustrated after more time passes.
Product: Checking or savings account

I opened a business account over a year ago and later realized the account was not the type I needed for my business, so I withdrew the funds and transferred them to another bank. I have not used the account since that time and assumed there would be no further issues related to it. In the past few weeks I 've been receiving emails telling me the account is overdrawn. Here 's an example " We 're writing to let you know that there are insufficient funds to complete recent activity for your deposit account ending in XXXX. '' I see no reason for this kind of thing and stopped at the branch yesterday where a drive-up window agent told me someone would call me this morning to discuss the matter. It never happened. More of the same nonsense!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XX/XX/XXXX Universal Acceptance XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Cease and Desist Demand Under 15 USC 16 1692d and 1692c To Whom It May Concern, I, XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX, Ok XXXX am writing to formally demand that Universal Acceptance immediately cease and desist all communications with me, as permitted under the Fair Debt Collection Practices Act ( FDCRA ), 15 USC 1692 et seq.

Background : This account has been paid but still reporting negatively on my report. I have received multiple communications from your company regarding an alleged debt. These communications have caused me significant distress and inconvenience when it has already been handled.

Legal Basic : Under 15 USC 1692d, debt collectors are prohibited from engaging in conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. Additionally, 15 USC 1692c ( c ) stipulates that upon receiving a written request from a consumer to cease further communication, a debt collector must honor that request.

Demand : I hereby demand that Universal Acceptance : 1. Immediately cease all communication with me for this account has been handled, including but not limited to phone calls, letters, emails, or any other form of contact.

2. Provide written confirmation within 30days of receipt of this letter that all communications have ceased only Please be advised that failure to comply with this demand may result in legal action, including but not limited to filing a complaint with the Oklahoma Attorney General 's Office, as well as pursing a private lawsuit for violations of the FDCPA. 

This letter is written without prejudice to any rights or remedies I may have under applicable law. 
Sincerely, XXXX XXXX XXXX last 4 of social security XXXX Date of Birth : XX/XX/XXXX cc Consumer Financial Protection Bureau Oklahoma Attorney General XXXX XXXX
Product: Credit reporting or other personal consumer reports

THIS COMPANY IS IN VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORT ACT 15 USC 1681 SECTION 602 I HAVE THE RIGHT TO PRIVACY .XXXX XXXX SOLD MY INFORMATION TO A THIRD PARTY WITHOUT MY PERMISSION..
Product: Debt collection

Subject : Request for Debt Validation and Dispute of Alleged Debt To Whom It May Concern, I am writing in response to a recent communication from your agency regarding an alleged debt with account number XXXX. I dispute the validity of this debt and am requesting that you provide proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Under the FDCPA, I am entitled to a detailed verification of the debt. To fulfill your obligations, please provide : XXXX. The name and address of the original creditor. 
XXXX. A detailed accounting of the alleged debt, including principal, interest, fees, and penalties. 
XXXX. A copy of the original agreement or contract that demonstrates my legal obligation to pay this debt. 
XXXX. Proof that your agency has been assigned or has purchased the debt and is legally authorized to collect it. 
Please note that mere account statements or payment histories are insufficient to meet the requirements of debt validation. I am requesting proper documentation to establish the validity of the alleged debt. While I await your response, you must cease all collection efforts, including reporting this alleged debt to credit reporting agencies. Be advised that continued collection attempts without proper validation violate the FDCPA and may be subject to legal action. If you can not provide the requested validation, I expect you to cease all collection activities, remove any negative reporting from my credit file, and confirm this in writing. This is a formal dispute of the alleged debt. I reserve all rights under applicable federal and state laws, including the right to seek damages for violations of my rights. Please respond to this request in writing within XXXX  days of receipt of this letter. Failure to comply will result in complaints to the Consumer Financial Protection Bureau ( CFPB ), my states Attorney General, and the Federal Trade Commission ( FTC ). 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I cant get back my {$1400.00} worth of money after being scammed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account Number:XXXX  Account Name : XXXX  Account NumberXXXX Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against cash app block Incorporated due to in adequate customer service and unfair practices, which violate the consumer financial protection act specifically Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable, and unprotected furthermore, their dispute resolution process was unfair and deceptive as they did not comply with the error, resolution requirements under the electronic fund transfer act and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redness for these violations
Product: Credit card or prepaid card

Capital One bank Statement XX/XX/2019 - XX/XX/2019 shows several charges on XX/XX/2019 with charges from XXXX XXXX XXXX XXXX Tn in which I rented a truck at XXXX XXXX XXXX XXXX on XXXX statement XXXX was charge 4 times. my issue is Transaction showing in XXXX TN XXXX 2 times that day other charge shows XXXX XXXX XXXX XXXX card ending in : XXXX It's been over 3 months now Capital One Bank bills me XXXX all sudden
Product: Mortgage

XX/XX/2015 I closed on the sale of my home. The property was previously in a foreclosure proceeding, therefore my attorneys contacted the bank 's attorneys XXXX to obtain a payoff amount. A payoff letter was sent to my attorney XX/XX/2015. This payoff figure was confirmed by the title closer on the day of closing. 

Approximately three weeks after the closing, I contacted the new owners of the property to determine if any mail was still being sent to my old address. Inspection of the mail I received resulted in my locating a letter sent by regular mail from Seterus ( the debt collector processing my loan ). This letter included the payoff check which was sent to them by the title closer to payoff the loan. The letter stated that the check was being returned because payoff amount was insufficient. 

I immediately contacted my attorney and the title closer. I returned the check to the title closer and called Seterus to determine what happened. The Seterus agent indicated that they had sent a different payoff amount to my address XXXX ( the same date as the letter that was sent to my attorney from their attorneys - XXXX ). When I tried to ascertain how the matter could be resolved the agent said I would have to send a complaint to a fax number, and wait for someone to contact me. The agent also mentioned that interest in the amount of $ XXXX/day would be accumulating. When I tried to determine how long the resolution process would take, no time could be provided. 

There has been significant misrepresentation by Seterus in this matter. I believe this misrepresentation amounts to fraud. Seterus asserts that they sent a payoff statement to me XX/XX/XXXX in a larger amount than that sent to my attorney - a copy of this letter is attached to the statement they sent to my attorney XX/XX/2015 

If the larger payoff amount was on the Seterus record XX/XX/2015 as they suggest, why did the Seterus agent quote the smaller payoff amount to the title closer XX/XX/2015 the day of the closing ( a note to that effect was made by the title closer at closing, see attached ). The evidence suggests, that they recalculated after the closing, and created backdated documents to support their position. This company should not be allowed to do business. If your loan is sold to this company, you are in trouble. 

This company has a long standing record as a bad actor in the mortgage processing business. They are rejecting a payoff that was generated by them and are attempting to accrue additional payments to the tune of $ XXXX/day with no end in sight. I will complain to every possible government agency in an effort to get someone to take action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a unauthorized account on my report and would like it to be removed according to the FCRA any inaccurate items on my Credit report that isn't % XXXX verifiable or accurate must be removed.
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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

To Whom It May Concern, The reason for my dispute is Credit Corp Solutions Inc. was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. 
Also, Credit Corp Solutions Inc. failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809.

Validations of date and Mini-Mirandi under Section 807 ( 1 ) Credit Corp Solutions Inc failed to send me my initial communication  before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX, XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where Credit Corp Solutions is in compliance with OHIO LAW. 
I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. Credit Corp Solutions Inc. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Product: Credit reporting

Recently, I notice a collection from XXXX XXXX that show XXXX past due. This collector is attempting to collect a debt that I am not liable for because I was not XXXX.
Product: Debt collection

I was part of a XXXX company with my ex-spouse, until XXXX XXXX, 2008, at which time I was terminated and released of all company liabilities, present and future. My ex-spouse received the XXXX as his separate and sole property in the settlement agreement. He also completed legal paperwork to have me removed from a XXXX XXXX XXXX business line of credit. The ex-spouse warranted to me that he completed and submitted a Release of Guarantor Agreement to XXXX XXXX XXXX, thereby legally removing me as a guarantor of his companies ' future financial liabilities and debts. XXXX XXXX XXXX claims they do not possess that paperwork, and sold the debt fraudulently to CACH , LLC, who hired the XXXX in Arizona to attempt to collect the debt from me. 

I requested in writing, well within the 30 day time frame, for CACH , LLC and the XXXX to validate this debt, and and my request was IGNORED. CACH , LLC, reported a collection account to all XXXX credit bureaus : XXXX, XXXX XXXX and XXXX. It is my understanding that if the collection agency does NOT validate the debt, they are violating my rights under the Fair Debt Collection Practices Act. Furthermore, since CACH , LLC, has reported information that they know to be inaccurate and incorrect to the above listed XXXX agencies, they have violated the Fair Credit Reporting Act 15 USC 1681s-2 Section 623. If CACH , LLC attempts to pursue a judgement without validating the debt, they are again failing to comply with the Fair Debt Collection Practices Act. This is not my debt. I requested validation, which I have NOT received, yet they are continuing to attempt to collect this debt. I now have negative, harmful and inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call each company to they give information about this inquire and they said could not help me that in need to contact the credit XXXX and XXXX I did and they said I need to contac the company and it been 2 years in this Discover Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Transunion is clearly not doing its job. All accounts should be verified as correct when furnished to a credit report and Transunion has neglected to do so. See attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't understand why these accounts are showing up with inaccurate information, this needs adjusting because it was not paid late, payments were made on time on My two XXXX XXXX XXXX  accounts, and XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

XXXX XXXX Money was stolen from my XXXX and transferred to someone I DID NOT APPROVE the money to be sent to. I have tried to get our money back but because it was sent through XXXX  it has been denied. Me and my husband were not in town when this took place. XXXX shows as " car '' and we paid no one for any service. The receiver has ignored all messages and bank has denied claim. My debit card was already on the account. We have now lost over XXXX over something that was not authorized
Product: Credit card

My XXXX sign-up bonus for the American Express Platinum card was clawed back by AMEX. I meet the spending requirement within 3 months of my card opening, and I do n't know why AMEX are doing like this. It 's not a good way to do business. There 's no official letter to notice me. They just clawed my sign-up points.
Product: Credit card

on two separate occasion s I have filed a dispute for the same {$400.00} charge to XXXX. This company is to provide two 4 night bookings to any resort they service. I have attempted to make these bookings and XXXX has failed to provide the services i paid for. I disputed with my credit card provider and they decline the dispute saying the merchant has provided proof. I have asked for this proof, because i have NOT stayed at any booking this merchant has provided. Each time Synchrony Bank has claimed they received proof but " can not see '' the proof provided. 

Synchrony Bank ( Venmo ) continues to side with a fraudulent merchant instead of their consumer.
Product: Credit card or prepaid card

Every time I fill out the application it sends me back to the beginning
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX of inquiry : XX/XX/XXXX, XXXX Account Number : XXXX, XXXX Account XXXX : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXXXXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX