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

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/2024 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been an issue for several years. I hand-wrote a letter to TransUnion because TransUnion states they are continually verifying an erroneous bankruptcy on my credit file, yet they have not and will not provide the process by which they verified the information. 

They state is was verified by the USBK COURT NORTHERN GEORGIA, yet I have letters stating from the bankruptcy courts they do not provide information to credit reporting agencies nor do they validate or confirm public records due to the FAIR CREDIT REPORTING AGENCY PRIVACY LAW. Per the Federal Credit Reporting Act section 609 ( a ) ( 1 ) ( a ) it states that you are required through federal law to verify through " Physical Verification '' of the original signed consumer contract and or judgments, all accounts and public information you post on anyone 's credit report. I asked TransUnion for verifiable proof and to provide me with : 1. All documents associated with this public record account bearing either a Court order to place this information on my credit report, or my authorization of release bearing my signature 2. All documentation as to how this was investigated 3. The name of the person in the county recorders of deeds office that they spoke to and the date they validated 4. The name of the person in the bankruptcy, court in XXXX, XXXX  that they spoke to and the date they validated in Person 5. The phone numbers to both individuals that TransUnion spoke to that validated the said public record at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX as they stated they did in their letter to me 6. The name of the person from Transunion that supposedly validated the erroneous public record Also, I have been informed that XXXX has removed the erroneous bankruptcy from my credit file and sent information to TransUnion, XXXX, and XXXX to also remove the erroneous public record from my credit file. As of today, XX/XX/2023 TransUnion is the only reporting agency that has yet to remove this from my credit report. 

Based on Metro 2 Compliance and The 5 Points of Compliance is said that if an account is " modified '' or " deleted '', carbon copies are sent to each CRA with whom the DF has a reporting relationship. They are required to send carbon copies to ALL places they have reporting relationships with that they have shared that reporting. This doesn't mean just for that one bureau, or for just the main 3 bureaus, but ANY data furnisher they do business with in regards to this client. 

TransUnion is deliberately breaking the law! They continuously send fabricated letters stating things have been validated but never provide a process, how they validate or even follow the metro 2 standard that they claim they adhere to.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX HAS ALERTED ME THAT MY PERSONAL INFORMATION SUCH AS SOCIAL SECURITY INFORMATION AND ADDRESSES AND ALL PERSONAL INFORMATION MAY HAVE BEEN RELEASED MAKING ME EXTREMELY VULNERABLE TO IDENTITY THEFT
Product: Credit reporting, credit repair services, or other personal consumer reports

I couldnt afford to make the payment because I was making payments and it was not going towards the principal. Instead the balance kept rising. So I decided to surrender the car in XX/XX/XXXX. They sold it in XX/XX/XXXX. They never sent me a repo letter. Also they never adjusted the balance. Also on my report its still saying open and that I was making payments. So I checked my credit XX/XX/XXXX and it says I missed a payment which caused my credit score to drop 38points. They never contact me a bout the vehicle once it was sold I had to call and request documentation. And on the document it says something totally different from the credit report.
Product: Debt collection

This collection has been removed from my report in the past, but now it has reappeared. This account was found to be inaccurate through my dispute through XXXX XXXX. When I attempted to receive my full account number through this debt collector and additional information about this account once I noticed it back on my credit report and they would not give me the details. I am trying to purchase a home, and need this debt removed ASAP.
Product: Credit reporting

Experian refuses to delete a fraudulent account that has been reported to the alleged creditor as fraudulent, and which the alleged creditor has agreed is fraudulent and removed from its records. The creditor is XXXX XXXX and the Account Number is XXXX .... Experian refuses to remove it even though I have given Experian the fraud file number generated by XXXX XXXX.
Product: Credit card

I have expressed in written as well as verbal form that Wells Fargo is in violation of my consumer rights. 
A letter was emailed as well as mailed in to Wells Fargo expressing the violations of my consumer rights and that I did not give them any written nor verbal consent to share my information with anyone. 
However Wells Fargo is ignoring federal laws and regulations and still sharing my information that is causing me signicant financial loss. 
As of XX/XX/year> Wells Fargo NA is showing that I am 150 days late on my credit report.

In accordance to the fair credit reporting act Wells Fargo has violated my rights in accordance to 15 USC 1681 Section 602 states I the consumer have the right to privacy.

15 USC 1681 section 604 A section 2 Also states that a consumer agency can not reporting agency can not furnish a account without my written instructtions.

15 USC 1666b A creditor may not treat a payment on a credit crd account under an open end consumer credit plan as late for any purposes. 


I have made several complaints about this matter and yet nothing has been done
Product: Credit reporting or other personal consumer reports

I have attempted to close this account with XXXX multiple times and am still being charged fees on this credit card. I have now been sent to collections because of these fees.
Product: Money transfer, virtual currency, or money service

I was trying to use the option Chime offers pay to anyone. Chime deny my action. Several times I was talking in chat and got no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked for proof of the alleged debt, specifically the alleged original application bearing my signature : they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item XXXX not appear on my credit report if it can not be supported by evidence. 15 U.S.C 1681 have not supplied proof under the doctrine of estoppel by silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. You have XXXX business days to remove the said account XXXX XXXX XXXX XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and had to file bankruptsy due to medical bills!! i was XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are about 4 hard XXXX XXXXXXXX inquiries back to back on my credit report. I'm having great trouble getting removed and I don't know what to do at this point. If you can point me in the right direction I greatly would appreciate it. 

Thank you. 
XXXX XXXX
Product: Debt collection

In the middle of XX/XX/XXXX I tried to apply for a home mortgage and was notified that I had this collection account reporting on two of my credit reports. XXXX and XXXX. I sent XXXX XXXX XXXX two validation letters and they did not respond to the 1st or 2nd letter. 

The first dispute letter I sent out on XX/XX/XXXX ( I have attached a certified mail receipt ) They received the letter on XX/XX/XXXX. Instead of them validating this debt they sent me a collection letter dated XX/XX/XXXX. ( I have attached the letter they sent me ). They did not stop collection activity until they validated the debt. Which is a voliation of the FDCPA. 

I sent the 2nd validation letter on XX/XX/XXXX and still I have yet to receive a validation of this debt XXXX XXXX XXXX. I did dispute with XXXX and XXXX, XXXX deleted the Debt ( I have attached the copy of the result ) XXXX said verified. How is this when XXXX XXXX XXXX  didn't validate the Debt with me. They have show their blatant voilation of the FDCPA by not validate this debt with 100 % verifible proof of this debt. 

Please please please help me in this matter.
Product: Checking or savings account

XX/XX/XXXX ... .Visit Citizens Bank . check act balance [ {$260.00} ] ... Service Charges total [ {$350.00} ] for 14 months [ {$25.00} each month ] started XX/XX/XXXX I closed my account and withdraw my balance [ {$260.00} ]. I had no statements for fourteen months, no emails, no simple phone call. 

XX/XX/XXXX Visit Citizens Bank ... met with branch manager ... .she reimbursed me with {$50.00} ... .and she said some one will call you monday or tuesday or wednesday or thursday ... ... ... .no body call XX/XX/XXXX Now ... Citizens Bank owe me {$300.00} ... ... my account was a normal account ... .no minimum balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00}
Product: Credit reporting or other personal consumer reports

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. 
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccurate are stopping me from being able to buy a house or get a car to provide for my family these were accounts were not authorized by me.

15 U.S.C 1681 Section 602 A states I have a right to privacy 15 U.S.C 1681 Section 604 A : it also states that a consumer reporting agency can not furnish a account without my written instructions.

No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft.
Product: Debt collection

I contacted Credit Management LP and I requested that they validate the debt and I got no response. I requested that they remove this item from my credit report and they refused.
Product: Credit card or prepaid card

I have been disputing a transaction with XXXX regarding a purchase that I am 100 % completely DISSATISFIED with for almost a year now. I have filed a " claims and defense dispute '' and they refuse to follow federal guidelines and the guidelines on their own credit card disclosure. 

I have tried to successfully resolve this matter with merchant, and also have witnesses. 
I have purchased it with their credit card. It was purchased within the 100 miles distance stated on their disclosure and the federal guidelines. 
It costs more than {$50.00} - ( ACUTAL PRICE : {$2800.00} ) I have provided XXXXy with over 200 pages of supporting documentation and they have just been over looked as if they meant nothing. 

It states under FTC and federal guidelines for a claims and defense dispute - billing rules do not apply.The dispute should be addressed as a claims and defense dispute and be opened regardless if there is a contract or not. 

" You can request a chargeback under the claims and defenses provision for any legal reason you have to cancel a sale directly with the seller, including if there's a problem with the quality of the merchandise. You have up to one year from the statement date to make a claim. You must meet four requirements : The disputed amount must be over {$50.00} ; you must be able to prove that you made a good-faith effort to obtain a refund or credit directly from the seller ; you can dispute only up to the outstanding balance on your card ( if your balance is zero, you can't use this provision ) ; and the merchant must be within 100 miles of your home and in your home state. ''
Product: Debt collection

Dynamic Recovery Solutions , LLC has been attempting to collect an unknown debt from me in the name of a XXXX XXXX XXXX. Dynamic Recovery Solutions is not licensed to operate in California under sec SB908.
Product: Debt collection

I'm a victim of identity theft someone got my information and opened up accounts in my name
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item listed below for me to ensure accuracy. 


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

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the credit bureaus to verify the information given on each credit card that was being reported on my credit report, they were not able to verify it but is still showing on my credit report.
Product: Debt collection

XXXX XXXX debt was already paid in full and I would like that to be removed from my credit report or updated immediately please.
Product: Money transfer, virtual currency, or money service

I am filling a complete against Cash app ( Block inc ) inadequate customer service and Unfair practices which violates the Customer financial protection act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform Leaving my account, vulnerable and unprotected. Furthermore, their dispute and resolution process Was unfair and deceptive As they did not comply with error Resolution requirements on the electronic fund transfer act ( EFTA ) and Regulations E These actions has called significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

PNC Bank is the problem XX/XX/19 {$15000.00} was the amount of the check. 
charged {$40.00} returned check fee and an extra {$150.00} from the XXXX XXXX County Tax Collector I wrote a check to pay my taxes and PNC Dishonored the check. They claim it was an irregular signature. My signature hasn't changed in more than 50 years. They sent me no proof of what was different. I am XXXX years old and I am not leaving the house because of Covid-19. I tried to call PNC to complain about the nearly {$200.00} if cost me because they couldn't take the time to verify I wrote the check. I wanted them to speak with my daughter. They asked way more than normal security questions. I think they had one of my old addresses ( more than 15 years ago ) wrong and they wouldn't believe my answers! After nearly a half an hour they said I wasn't me and they wouldn't speak to my daughter about the account or issue. They told me I had to present in person at the bank. As I said before I am not going out in public. If there is a questionable charge on a charge card the banks do not hesitate to call, text, or email but PNC did nothing but mess up my tax payment. My check should never have been refused and I wasn't given the courtesy of a phone call. I have never had something not accepted because of my signature! It was to pay taxes! Who fraudulently pays taxes! It was absurd and the questions they harassed me with were unreasonable and I told them it was hard to hear them! PNC also doesn't have an email address to send a message to either. 

Thank you for your help! 

XXXX XXXX
Product: Checking or savings account

I filed a dispute immediately when I noticed my card and pin comprised on XXXX XXXX XXXX. Chime denied my dispute today XXXX XXXX XXXX My wallet with pin was lost or stolen and someone use my card and took XXXX from my account. Chime is violating Regulations XXXX as it pertains to each dispute I have filed with this bank. I also had an unauthorized charges in the amount of {$45.00} that also was denied. I don't believe Chime is doing a proper investigation on any claim I make with this bank.
Product: Debt collection

XXXX XXXX XXXX, XXXX, XXXXthe cfpb complaint has been file to request pursuant to FCRA 605b ( 15 u.s.c 1681c-2 ) that you XXXX reporting agency block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of receiving this complaint. this fraudulent, inaccurate information, consists of a credit card from wells fargo ( WFBNA ) opened on XX/XX/year> and account number ( XXXX ), I do not recognize this aforementioned account or collection account. this account that is reported by XXXX were not made, initiated or opened by me. The aforementioned account is a result of identity theft and fraud. I have attached a copy of my FTC identity theft criminal complaint # XXXX, that proof from the FTC that these accounts are fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company still reporting debt to XXXX that I am not liable for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report Number XXXX Date Generated XXXX XXXX, XXXX Before After Account info Account name XXXX XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$7800.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$6000.00} Highest balance {$7800.00} Terms NA On record until XX/XX/XXXX Report Number XXXX Date Generated XXXX XXXX, XXXX XXXX XXXX  Account XXXX Deleted This item was removed from my credit report. Please review your report for the details. This Item was removed and deleted then replaced on my credit file this is inaccuracy information I'm request they TAKE this Account off and update my credit file Account name XXXX XXXX ASSOCIATES Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$7800.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$7800.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Report Number XXXX
Product: Debt collection

I first contacted Caine & Weiner in XX/XX/2024 after I was alerted of the account being listed on my credit report. I spoke to a Representative regarding no knowledge of the account because I have never used the services of XXXX  moving and storage. I received communication from Caine & Weiner in the form of an invoice from XXXX. I reached out to them again regarding the invoice received. I asked why I was sent an invoice and the representative responded, " it's proof that you owe the debt ''. I again stated that I have no knowledge of this account because I have never done business with XXXX  moving and storage. After speaking with this company, I was again notified that this item was listed on my XXXX credit profile. On XX/XX/2024, I sent A CERTIFIED LETTER TO Caine & Weiner WHICH WAS A debt VALIDATION letter pursuant to the FAIR DEBT COLLECTION PRACTICES ACT, XXXX XXXX XXXX by way of CERTIFIED MAIL on XX/XX/2024, and they received it on XX/XX/2024. I requested validation of the debt, including the original contract with the original creditor with my signature on it, age of debt, and proof of assignment along with evidence that I am legally responsible for the debt. I HAVE NEVER RECIEVED THIS INFORMATION JUST AN INVOICE HAS BEEN PROVIDED. THIS IS NOT MY DEBT! I AM ASKING THAT THE CFPB REQUIRE THIS COLLECTION COMPANY TO FOLLOW THE LAW that pursuant to the FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g. I WANT VALIDATION NOT VERIFICATION WITH AN INVOICE.
Product: Credit reporting

IN THE LIST OF ADDRESSES THERE IS XXXX THAT I HAVE NEVER LIVED AT. XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE NEVER LIVED ANYWHERE BUT THE OTHER XXXX ADDRESSES XXXX.