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

I have reached out to transunion by online and mail. They have an account from XXXX  XXXX auto that has been closed for 3 years now. They are updating balances on the account every few months. This account is closed. They are opening up the account then closing it. Ive asked for it to be removed they have refused to do their duty as a credit reporting agency. There is no reason that it has been closed but continue to report
Product: Debt collection

THEY ARE TRYING TO MAKE ME PAY A DEBT I DO NOT OWE
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Ga, XXXX DOB : XX/XX/XXXX SSN : XXXX I recently obtained a copy of my credit report from your services and found the following items to be an error. 

Creditors Account Name and Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to section XXXX XXXX XXXX XXXX XXXX Validation of debts ). 

1. I want all creditors to send me a detailed list of the history of payments made by me on this account.

2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor.

3. Im asking to see has there been any insurance claim filed on this debt.

4. I want proof that you have the chain of title to collect on this debt. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

In addition, Im requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last two years or employment purposes, or any purpose. 

Thank you for your prompt attention in this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions Account XXXX : XXXX COLLECT, NUMBER : XXXX Account XXXX XXXX XXXX XXXX XXXX : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in XXXX XXXX XXXX ( a ) ( XXXX ). 
According to XXXX XXXX XXXX, Section XXXX ( A ), I have the right to privacy. Furthermore, under XXXX XXXX XXXX, Section XXXX ( A ), Section XXXX, a consumer reporting agency can not furnish an account without my written instructions. Also, XXXX XXXX XXXX ( a ) ( XXXX ) states that no consumer reporting agency XXXX include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under XXXX XXXX XXXX ( a ) ( XXXX ), no person shall 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. Additionally, according to XXXX XXXX XXXX ( a ) ( XXXX ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 
I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report. 
Exclusion of any obsolete information in compliance with XXXX XXXX XXXX ( a ) ( XXXX ). 
Correction of any inaccurate information in accordance with XXXX XXXX XXXX ( a ) ( XXXX ) Notification of the correction to any person who has received my credit report the past sixmonthsI expect a written response within the next 30 days. If this situation is adequately resolved, I Will consider taking the necessary legal actions to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the items and inquiries, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX Inquired on XX/XX/2020 2020
Product: Credit card

I would like to send money to Goldman Sachs ( Apple Card ) to pay off my balance. However, they have hidden my card number from me since I closed the account. Therefore, I can't tell my bank my account number so they can send money and pay off the balance. No one at Goldman Sachs told me when I closed the account that the number would be hidden from me. They also said I should " write my email address on a check '' and then send it. They said they could apply it to my account that way. However, this obviously doesn't work when requesting a bank send money directly to a card. 

I was also told " Apple Card doesn't accept balance transfers '' -- so basically they don't accept money from XXXX XXXX XXXXXXXX, where my card is, or XXXX, which is where my actual bank account is that has a credit card also connected to it. 

I can't add my account number to this complaint since they no longer allow me to have an account number.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

Heres the list of the questionable items : XXXX XXXXXXXX - Account Number:XXXX Please Update all payments, all pay was made on time. 

XXXX XXXX - Account Number:XXXX I don't recall having late payments on this account.
Product: Debt collection

Convergence Outsourcing reported that on XX/XX/2019 that an account was opened. They then reported on XX/XX/2019 that account was diliquent. I was never contacted by this company at all and I have not opened any new accounts that could be reported as diliquent. I want real records and dates concerning this supposed debt and their liscence number for Ohio to collect any debt. I would like to know if it is standard practice to place a debt as diliquent without first contacting the person who is supposed to owe this debt?
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I filed my tax return and found that someone had already filed a fraudulent return acting as me. I called the IRS and was told to complete form 14039 Identity Theft Affidavit and submit it to the Internal Revenue Identity Theft Department and I did. 
I was then told to contact all 3 Credit Bureaus to see what other fraudulent activities that was illegally in my name. 
Because of our lockdown restrictions and severe loss due to Covid and now Hurricane Ida, where our homes have been destroyed and need full restoration I have been beyond busy. In addition, I am a sole provider for my family. I am taking care of my sick XXXX mother and Uncle. However, I have just settled to begin reviewing all of my accounts and found that I have numerous inquiries and accounts from someone illegally trying to get credit in my name. 
I began immediately disputing them with help from XXXX and Equifax, but XXXX stated they could not help me with the process over the phone. They stated I needed to send in multiple letters and other information. 
I have no idea why they wouldn't help someone in such a horrible position, but they would not even start the process without me sending in multiple forms of documentation. That was infuriating, especially when my co-worker had her inquiries removed over the phone a couple of days ago, but they demanded I do multiple tasks before they even input the reasoning for my call, and they kept me on the phone almost a hour to only tell me write down a list of things I needed to do in order to update information.However, I am accustomed to unfair treatment at this particular time in my life, but it is still unfair and unethical. However, I have notice that there are items on my credit reports that do not belong to me, some I have never noticed, therefore I would like to begin the process to having it removed with the assistance of the credit bureaus. This is unbelievable that people would use your identity fraudulently and leave me in a bad place. This have taught me to not share so much of my personal information over the internet on open websites, because that's where my information have been stolen and through big creditors data leaks. I have been the victim of several data leaks. I have received multiple letters stating that my name and information was listed in a data leak. I am now extra careful on where my information is displayed, used and stored.
Product: Checking or savings account

i have a checking account with chase and yestarday i try to send a XXXX transfer and they cancel it and send me a message saying that is was cancel because they didint hear of me when they never call or send a text or email after that ther block my online acces and im been calling for help but they say that theres no way to help me because i dont have a social security number and after that they disconect the call or other tell me to go to a branch im in XXXX and for the moment i cant cross to USA and i need access to my money my mom needs a XXXX and all my money is in the bank
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX Subject : Method of Verification request- Request for Description of Procedure Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Dear Equifax, I am writing to formally request a description of the procedure used to determine the accuracy and completeness of the information I disputed, as per my rights under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ). 

I disputed the account with Equifax on XX/XX/XXXX of XXXX Equifax did not attempt to review my specific concerns listed within my complaint, nor verify the mentioned dispute as accurate despite its inaccuracies. Ive listed below the report number, attachment of the account reflecting its inaccuracies as well as the notice received from XXXX confirming verified. 

Equifax initial dispute in request ( s ) - XX/XX/XXXX I am writing to dispute an inaccuracy and unauthorized inquiry on my credit report. Upon reviewing my report, I found an inquiry on my Equifax credit report in error. I request that the inquiry for XXXX XXXX XXXX dated - XX/XX/XXXX, be removed from my profile. I did not open an account and I do not recognize the inquiry. Please remove this inquiry from my report immediately. 
For the following reason : Inaccurate reporting under the inquiry section. Your investigation of this dispute was marked as completed on XX/XX/XXXX because you filed to properly conduct and perform your own investigation.. 

I am now requesting a detailed description of the reason ( s ) why, and the procedure that was used during your investigation. Specifically : Who did Equifax contact or interview regarding this account? 
Who did Equifax rely on to review this account account dispute? XXXX XXXX or XXXX? 
Why did Equifax not read my dispute request and attempt to investigate? 
How did Equifax verify the accuracy and completeness of the information provided? 
What documentation or evidence was reviewed to come to this determination? Equifax response. Please be specific with your concerns by listing the account names, numbers and nature of dispute This information was provided in my initial CFPB complaint submitted on XX/XX/XXXX -ID number : XXXX. This request was overlooked and deliberately ignored. 
What documentation or evidence was reviewed to come to this determination? 
As required by the FCRA, please provide this information within specified days given upon receiving this letter.This is my second time disputing this matter with Equifax. I urge you to resolve this issue promptly, as continued failure to comply and accurately report on my credit profile is a violation of the FCRA. If this inaccurate information is not removed, I am prepared to escalate this matter further, including file an additional complaint with the CFPB and seek legal remedies. 

Thank you for your prompt attention to this matter. I look forward to receiving your detailed response. 

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

The bureaus are reporting accounts that were results of identity theft. I tried times after times to ask for blocking under FCRA 605B but the bureaus do not care. They are violating several laws and regulations but do not seem to care.
Product: Money transfer, virtual currency, or money service

Someone had purchased computers from me and sent me {$10000.00} via PayPal on XX/XX/2018 but used an XXXX card as a funding source. On XX/XX/2018, the buyer disputed the transaction claiming " Item Not Delivered ''. The {$10000.00} was removed from my PayPal account on XX/XX/2018. This buyer was an acquaintance thus no receipt was ever generated. He can not prove how many machines he purchased. I have pictures of all the machines he purchased in his basement. I personally delivered them to his house and set them up. I am supposed to be innocent until proven guilty. Instead what happened was I was guilty and because I don't have a bill of sale, the only proof I have of the items being delivered in full is the pictures of the items in his basement. I can describe the inside of his house as well as his basement where I set them up perfectly. I am willing to sign an affidavit to back up my statement that I 100 % delivered each and every machine he paid for. PayPal failed to perform any type of investigation on the matter and instead simply let XXXX pull the funds from my account. I am disputing this charge back on the grounds that I delivered each and every machine he had paid for on XX/XX/2018 when I drove them to his house at XXXX XXXX XXXX XXXX MD XXXX. Case ID : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Credit Report Violations by XXXX, Equifax, and XXXXXXXX XXXX Details of the Complaint : I am filing this complaint against XXXX, Equifax, and XXXX XXXX  due to inaccurate reporting, Metro 2 compliance failures, and violations of the Fair Credit Reporting Act ( FCRA ). 

The following account is being reported incorrectly on my credit file : Creditor : XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Balance : {$160.00} Account Status : ConflictingReported as Open & Charge-Off Bureaus Reporting : XXXX & Equifax Violations Found : Duplicate Account Reporting ( Metro 2 Violation ) This account appears twice under different names, falsely inflating my debt. 
Metro 2 requires only the current debt owner ( LVNV Funding ) to report.

Re-aging of Debt ( FCRA 605 ( c ) Violation ) The last activity date is manipulated to extend the time the account remains on my report. 
Re-aging is illegal and harms my credit unfairly. 
Incorrect Account Status ( Metro 2 & FCRA Violation ) The account is labeled as " Open '' while also being marked as " Charge-Off. '' Charge-off accounts must be marked as closed. 
C

ontradictory Payment History ( Metro 2 Violation ) The account reports 98 % on-time payments, which is inconsistent with a charge-off. This creates a data accuracy issue that violates Metro 2 reporting standards. Failure to Validate Debt ( FDCPA Violation - FCRA 809 ) LVNV Funding has not provided any validation that the debt belongs to me. 
Under the Fair Debt Collection Practices Act ( FDCPA ), if they can not provide documentation, this debt must be removed. 
Requested Resolution : I request that XXXX and Equifax immediately remove this inaccurate account from my credit report due to these violations. If the bureaus and LVNV Funding fail to comply, I will pursue legal action under : FCRA 616 ( Civil Liability for Willful Noncompliance ) FCRA 617 ( Civil Liability for Negligence ) I request a formal investigation and written confirmation of the accounts deletion.
Product: Checking or savings account

Because of an issue with my phone and XXXX, I checked my bank account on XX/XX/XXXX. At that time I found out my account that had a prior balance of approximately {$110000.00} had been emptied on XX/XX/XXXX in a series of five withdrawals for very large amounts- {$60000.00}, {$30000.00}, and so on. I've been with this bank for 30 years and have never made withdrawals anything like this. I contacted the bank and asked why I was not notified and how this was possible. They had no explanation, froze my account but left it open so they could investigate and the funds could be returned. They insisted I file a police report since the theft was so large. I spent several hours with a policeman who came to my house and viewed my bank records on my computer. The bank said they would restore the money provisionally in 10 days and the investigation would take 45 days. Please note during this process my call was transferred multiple times and dropped multiple times so I had to start over. I had to take off work and spend several hours on this. I had no access to my funds or way to pay bills and had to borrow money just for bills and daily expenses. I wrote a letter to the Bank XXXX explaining my situation. A few days later XXXX on the XXXX XXXX XXXX called and told me she would investigate and get back to me. She never did. I called her several times and she never responded. I received a form letter from the bank president saying they valued my XXXX relationship with the bank and were sorry they hadn't met my expectations. My money was eventually returned. 

On XX/XX/XXXX, I went into a bank branch to have all the funds in my account WIRE TRANSFERRED to a new account at XXXX XXXX and have this account closed. This was done by the branch manager. I was given a receipt for the Wire Transfer. I was told the money would be at XXXX XXXX within a few business days. Five business days later I looked at my XXXX XXXX account and there were no funds. I called the branch manager to find out what was going on but received no response. 

On XX/XX/XXXX with the help of my identity theft representative from XXXX XXXX XXXX, we spent approximately 3 hours on the phone with various departments of the bank. We were told the amount of {$120000.00} was agent assisted transferred to a DDA fraud account. It was a co-ownership account in the name of XXXX XXXX and XXXX XXXX. XXXX XXXX is the name of the fraudster who took the money out in the first place. We were told a case would be opened, the account would be reopened for the funds to be returned, then I would have to call in to unfreeze the account to have the funds WIRE TRANSFERRED to the XXXX XXXXXXXX account. 

We called the bank again on XX/XX/XXXX and spent over an hour speaking with 3 different people in 3 different departments before the bank dropped the call. Despite having my cell phone number, as they'd used it to verify my identity, they never called back. 

Please help me figure out how to get my funds returned and then transferred to XXXX XXXX. I DO NOT expect to have to pay any fees. This debacle taken approximately 20 hours of my time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Toyota Finacial has violated my rights under 15 USC 1681section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.