23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I wanted to add this to a current compalaint against ComenityXXXX. 
They can not find my old account and if I call they tell me to EMAIL to start a complaint..then when I email, they tell me to call. Vicious circle. 
I started an official complaint ( crediting my payments to an old acct instead of my current account ) but there is not a way to update. 
No one can find my old account YET I receive XXXX different account statements in the mail XXXX XXXX different acct #
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these fraudulent inquiries with Equifax multiple times. I've completed the FTC identity theft report and have faxed it to the bureau. I have notarized the documents and faxed it to them and yet no resolve. i am looking for Equifax to remove these inquiries immediately. I have attached the report and my fax confirmation. Thank you!
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. FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX 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 corrected : XXXX XXXX Balance : {$0.00} ; and XXXX XXXX Balance : {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment from XXXX XXXX deleted within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. Also, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX
Product: Credit card or prepaid card

Keep getting " insufficient funds notice '' from Chase for an account that is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance. 
Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : XXXX. XXXX XXXX TransUnion LLC, 141 S. Ct. 2190 ( 2021 ) The U.S. Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm.

5. CFPB Enforcement Action against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( XXXX ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences. 
Demand for Reinvestigation Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of these account ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from XXXX XXXX XXXX purporting to be an attempt to collect a previously disputed alleged {$99.00} debt. XX/XX/2023, I sent them a letter disputing this alleged debt, a cease & desist collection attempts, an invoice for FDCPA violations contained in the letter, and a pre-arbitration demand.
Product: Money transfer, virtual currency, or money service

On Monday XXXX, I submitted a transfer request of {$100.00} from my external bank to Albert Cash, the {$100.00} was debited on the XXXX It was promised to be there on the XXXX ( Why it will take 10 days is beyond me ), It was not there, and customer service has no idea? 

It seems that Albert Cash is only interested in debiting cash from my other account, without crediting me. However the behavior is quite similar to a Front Running Ponzi Scheme, which is why I want to make CFPB aware to investigate the bank asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 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: Debt collection

XX/XX/XXXX, I paid {$89.00} to XXXX XXXXXXXX XXXX per XXXX XXXX for prorated rent due to move out. XXXX XXXX was provided notice that I was moving from the premises on XX/XX/XXXX. XXXX XXXX submitted a document to National Credit Systems claiming that I owe for a prorated amount of {$45.00} and an additional {$370.00} for XXXX rent. They had taken my security deposit of {$280.00} and added a 2 % interest rate from XX/XX/XXXX - XX/XX/XXXX of {$22.00}. Which results in a {$100.00} account balance. At no point is the {$89.00} taken into consideration, much less the fact that I moved out on XX/XX/XXXX, not XX/XX/XXXX. Furthermore, the ledger is not signed by XXXX XXXX, the XXXX responsible for submitting the debt and the rent amount listed is incorrect. I reached out to XXXX XXXX Systems and requested they validate the debt. They claimed they would validate it, but never got back with me in those regards. Attached will be the documents to support my claim for the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting a closed account as open.Plus it show a Derogatory {$82.00} a month payment on a closed account? Plus the account is a fraudulent account listed in a FTC report and police report. I was a victim of Identity theft. I sent trans union the report 3 times and it does not seem to matter to them. Plus the account is duplicated XXXX  times. 
Account # XXXX, all give different amounts on owed and XXXX showing a balance of {$570.00}. 
All opened in 2021. I have sent them everything proving my case! Account Name : XXXX XXXX XXXX Acct # XXXX **** ( XXXX of these accounts all duplicated and showing different things ) I have called them several times also. I have certainly did my part under the dispute process, They have never even responded about this dispute by mail or email or anything. It has been over 120 days waiting for response with this. This is violating my rights with FCRA etc. Even with the certified mail process. Trans Union is violating all my rights.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Credit Bureaus consumer report and I noticed inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX XXXX was the day I became aware of being a victim of identity theft. On XXXX XXXX is when a certain individuals decided to take out a home loan with my social security number, which is stated in credit karma. In addition, there's also a car loan under my SSN. However, I don't even own a car or house, for the past twenty years lived in a one-bedroom apt . Therefore, please block these ongoing loans from my credit reports pursuant to section 605B of the Fair Credit Report Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) My credit application was approved on XXXX XX/XX/XXXX 2 ) Account totally paid off XX/XX/XXXX 3 ) I, Myself, closed the account ( not that the XXXX Credit card company closed it on XX/XX/XXXX!! 
4 ) the following was initially shown in the 3 credit bureaus ( XXXX, experience, Transunion ) reports : ( a ) all 3 credit bureaus the account have been paid in full and closed by the holder ( myself ) on XX/XX/XXXX ( b ) That the XXXX credit card company charged-off my account till XX/XX/XXXX!!!! 
5 ) after my first dispute and the investigation done buy the 3 credit bureaus, the following shoed on my report : ( a ) XXXX : adjusted the error and took off the charge-off totally because the account never have been charged of. 
( b ) XXXX  and Transunion : the reduce the Charge-off ( CO ) form all the way to XX/XX/XXXX and make it only for XXXX and XXXX of XXXX.!!!! which I disputed again and in progress. 
- However, how come that an account can ever be charged-off ( CO ) after it has been paid in full and closed by myself, the account holder!!?? which is what is appearing till now on the experience and Transunion reports. 
- Myself ( card holder ) and XXXX ( credit card company ) DO NOT disagree on what happened, but ironically enough that the remaining 2 credit Bureaus ( XXXX  and Transunion ) disagree with both myself and the credit card company and making up this " CHARGE-OFF '' ( CO )!!! and they are determined to XXXX up my credit, putting in mind that this is the only negative item on my report and used to have 17 credit card with " exceptional '' payment history ; I closed 11 and still the other 6 that I am keeping still have " exceptional ' payment history!!! So I just picked one of the credit account m which was opened only for 2 1/2 months, to XXXX up my entire credit history and my score. Can anybody gives me his brain here pls!!!!????? 
it is like I am guilty regardless if I presented the prove of my innocent as long as they decided what did occur and nothing to do with what actually took place and even both parties ( myself and teh XXXX CC agree on that did occur!!
Product: Debt collection

Account Number XXXX Original XXXX XXXX XXXX XXXX XXXX Name Date Assigned XXXX XXXX, 2024 Original Balance {$650.00} Current Balance {$650.00} Responsibility Individual Status Comments Consumer disputes after resolution, Collection account
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is currently reporting the following accounts as being delinquent. The account listed below are not delinquent, the inaccuracies are a violation of the Fair Credit a reporting Act. The status of the account listed below shouldnt be showing as delinquent they all have {$0.00} balances and not delinquent.According to the Fair Credit Reporting these accounts must report with its current status and they are not delinquent. Theres nothing in witting signed by me saying I give Transunion permission to report the following accounts to my credit file please remove the delinquent status to current. 

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

There are 4 late payments reported on my XXXX XXXX XXXX XXXX account from XX/XX/scrub> 2023, XX/XX/scrub> 2023, XX/XX/year>2023, and XX/XX/year>2023. This information is incorrect. These payments were all made on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

So, I am one of the millions affected by the Equifax credit reporting breach that occurred in XX/XX/XXXX and XX/XX/XXXX. I tried to start a Credit Freeze with all three credit reporting agencies and found that since XXXX and XXXX did not have a breach I need to pay {$10.00} to each for a Credit Freeze. I believe this should be free to consumers where a company is making money on our data when one of the three in the monopolistic industry has a breach. The alternative is to have the company experiencing the breach to pay for all of the freezes, the latter alternative is my suggestion. 

Once I was able to enact a Credit Report Freeze on Equifax, it has taken me from XX/XX/XXXX, to XX/XX/XXXX to put a temporary lift on that freeze using the Equifax  website. There are no CUSTOMER SERVICE NUMBERS clearly visible, I have tried every number on their site to speak to a representative. It is impossible to do business with this company when they maintain all of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN REPORT NUMBER : XXXX THIS IS A REPLY LETTER FROM YOUR REQUEST. I HAVE ENCLOSED 1 ) ID/DL 2 ) SS CARD 3 ) UTILITY BILL 3 ) FTC REPORT PLEASE REMOVE THE LISTED ITEMS FROM MY CONSUMER REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Displaying XXXX Account Ending **** XXXX with XXXX XXXX. 
1 ) This Account Has been paid in FULL XXXX ) This account has been Illegibly Charged OFF ( XXXX ) and Under any circumstances can have ANY BALANCE. Charge-OFF procedure is required Setting Account to ZERO by applying Credit to offset Balance.. Charge-off Account having a Balance simply Nonsense.. 
3 ) XXXX XXXX XXXX XXXX Is the CREDIT SERVICES company IS NOT THE CREDITOR and HAVE No Authorization and no Position to REPORT anything. It is a Credit Services Company under Contract. 

Experian Giving XXXX days To Remove 1  ) XXXX XXXXXXXX **** XXXX XXXX ) XXXX XXXX XXXX **** XXXX These Accounts Has been PAID IN FULL on XX/XX/XXXX, XXXX ( *** see copy of the Payments ATTACHED, and CERTIFIED MAIL RECORDS ) EXPERIAN Agreed TO REMOVE OR PAY {$20000.00} In Damages.
Product: Student loan

This company I believe has knowledge of my credit history and credit score and I believe has my identification.
Product: Debt collection

On Sunday morning between hours of XXXX-XXXX MCM called my home phone three times within this timeframe. I was in the shower so a third party in my household answered the phone and processed to speak with someone by the name of XXXX who later states his name is actually XXXX then XXXX. Giving false information. The third party continued speaking with XXXX who eventually gave phone call to his supervisor XXXX then later said his name was XXXX. Both these individual gave out my debt account information to the third party. Both gave the third party the amount of my debt, the amount to payoff my debt. I did not authorize or give permission to MCM to speak with the third party. I feel they violated my privacy and consumer rights.
Product: Debt collection

XXXX XXXX showing up on credit report stating I owe them XXXX. This insurance was cancelled by XXXX XXXX on XX/XX/2021. 

I called XXXX XXXX in an effort to explain why I owed this amount of money when the insurance was cancelled by them. I was told that I am still responsible for the debt even though the insurance was cancelled.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Capital One 360 Checking Account - Online and Mobile Account Access and Management!! 

I have a 360 checking account with capital one and every time making payment using my routing and account number. These transactions do not show up under any pending, processing, scheduled, future, etc. within my transaction activity history. Although these payments are reflected in my available balance!? 
Online account manager on the account page there is an Icon next to it. 
" Upcoming Transactions '' click on it. 
It states " These are transactions that are set to happen in the next 30 days. Since they have not happened yet, they do not affect your available balance. If you have transactions scheduled for more than 30 days in the future and would like to edit or delete them, please call us at XXXX any day from XXXX - XXXX. 
" Past Transactions '' click on it. 
It states " This includes transactions that have affected your balance. 

Now if this is the case then why are none of the payments which I make using routing and account number not listed within these categories instead of not even being visibly listed entirely under my transaction activity!?!?! 

I initiated chat with capital one customer support within from my online account and spoke with representative who first told me it was a known tech issue. Okay that's fine if it was the truth, then why did I not receive anything notify me of this known tech issue?? Then further into our conversation he told me that it was just how there system processes these types of payments. Okay that's also fine if it was the truth!! The answers he provided to me was contradicting just like the online account manager it is  deceptive!! Providing capital one customers with inaccurate account information!!
Product: Debt collection

This is not a request for verification nor proof of my mailing address, but a request for validation made under the above name title and section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

- Please provide me with the following : The name and address of the original creditor, the account number, and the amount owed. 
- Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
- Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
- Please also note whether this debt is within the statute of limitations and how that was determined. 
- Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in reference to a released tax lien that is reporting on my Transunion credit report as Docket # XXXX. The lien has been released since XX/XX/XXXX. I have filed numerous investigations in efforts to having this public record removed both by phone & by letter most recentlyXX/XX/XXXX and it came back " Verified as Accurate '' XXXX. This same released tax lien was immediately removed by XXXX after 1 investigation. Under the new law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN or DOB in order for it to appear in your credit file. Transunion has not updated their information & per the new law the Released Tax Lien listed does not include all the required information & should be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice some misuse or incorrect information on my report.