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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, WRONG, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$51.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance XXXX {$590.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States XXXX Law ( TILA XXXX U.S. Code XXXX ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section XXXX USC XXXX ( XXXX ) Ai, XXXX USC XXXX, and XXXX ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section XXXX USC XXXX. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C XXXXa ( g ) ( 1 ) ( A ) USC XXXXe I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion 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 XXXX 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX 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 XXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have demanded to see Verifiable Proof an original Consumer Contract with my Signature on it XXXX, XXXX and Trans Union have failed to positively verify these accounts. Under the FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof XXXX must remove the accounts listed below : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

XXXX now been over a week that i bought some Relodit Packs ( https : //www.XXXX ) from BlackHawk Networks ( http : //XXXX ) and have not been able to load them to my XXXX prepaid XXXX Card. I called Relodit Packs customer support daily and still have not been able to access my funds i have stored on their cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$3200.00}
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX -BALANCE- {$390.00} Account Name : XXXX XXXX XXXXXXXX -BALANCE- {$9400.00} Account Name : XXXX XXXX # XXXX -BALANCE- {$21000.00} Unauthorized inquiries 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the following items listed below to be in error. 
XXXX XXXXXXXX -ACCT # XXXX Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit 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. 
I NEVER gave you, OR ( XXXX ) any written instruction to furnish any information on my consumer report, which is a violation of 15 USC 1681b. You have caused severe stress and anxiety due to the abusive and unfair practices mentioned above. The account listed below has a late or missed payment status that is incorrect. This account was NEVER late and should be listed as PAYS or PAID AS AGREED. Please furnish any proof of verification of this alleged late payment that you have. If no proof is attained and sent to me, please remove said late payment. 

I was never late on ( XX/XX/2022 ) on this account please update the account as Paid/Current. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and documentation proving that I am or have been late. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX XXXX
Product: Debt collection

Southwest collection pop up on my credit saying I owe a debt to XXXX for an amount they have not enclosed or provided any dates or addresses.
Product: Prepaid card

I had a state of Arizona unemployment claim for PUA during the pandemic. I had a prepaid debit card issued from Bank of America which the Arizona used to deposit funds on.. I did get statements every month. Recently my identity has been stolen so I have been reviewing my credit and previous accounts. I asked bofa to send me a copy of my XX/XX/2020 statement which was a archived copy. I compared it to my original copy that I still had They are Completely different I have multiple charges that are duplicates that appear tO have gone thru my account. I have charges on one at Statement but not the other. 
Example : on XX/XX/XXXX I sent XXXX XXXX XXXX not once but twice. So it appears I want answers to all charges that appear as duplicates. Why are the statements different?
Product: Checking or savings account

In around XXXX of 2023, a freeze was placed on my account for around {$1000.00} due to an unpaid debt that went into collections. That debt was repaid around XXXX of 2023. Since that time, I've called Capital One multiple times, as well as visited branch location, providing adequate paperwork proving that this debt has been paid. The debt collectors have also reached out to Capital One, providing paperwork and proof that this debt has been paid ( Capital One customer service has told me as much ). I was even told that Capital One 's legal department would reach out to me, which hasn't happened over a year later.

Despite the provision of such documentation, Capital One has, as of yet, refused to unfreeze these funds, citing a policy that they receive " paperwork signed by a judge '', which ( according to the law office handling the debt collection ) isnt something that is required ( or even occurs ) in the state of Louisiana. It's been over a year and a half since the debt was repaid, and I've been denied access to my rightful property.
Product: Credit card

After much review of payments made on XX/XX/XXXX XXXX and XX/XX/XXXX of XXXX total payments of XXXX paid in full. 
Date of purchase XXXX XXXX After numerous calls to XXXX  and Citibank there has been no resolution. 
Late fees have continued month after month since XXXX XXXX. My credit score has been negativily been affected and collection company called me once. 
Once reviewing statements I found that XXXX  and Citibank have two different Accounts one end in XXXX and another ending in XXXX. I believe that is were the problem stems from.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX was closed. We received numerous from their collection agency. We paid it off on XXXX XXXX. They harassed us to pay this bill. We paid XXXX XXXX and they told us that within 10 days we would have the information updated on our report. That was not true. When we tried to speak to capital one about this, they said they have nothing to do with it. Now Capital One is holding our money and acting as if no payment has been received by them. They received the funds on the XXXX from XXXX XXXX. Our credit is being hostage even though we have paid this off. They are not updating our credit report on time. They said they clear this up within 30 days but that is not true. They say and do anything to get money from clients but then hold those funds and not report that accounts are closed. They are updating 60 to 90 days after the fact even though the money was received immediately. Someone should investigate Capital One AND XXXX XXXX for fraud
Product: Credit card or prepaid card

On XX/XX/2019, 20 fraudulent charges were made on my credit card with the same description, XXXX XXXX XXXX CA, for a total of {$1000.00}. On XX/XX/XXXX I became aware of these charges and called Citibank to ask for them to be reversed. 

On XX/XX/XXXX I received a credit for 10 of the fraudulent charges, however the other 10 which have the same details, remained on my account. Since then I have called both customer service and the security team at Citibank on many occasions and have been reassured time after time that they are investigating the charges and that I will receive a credit in the next few days, however no credit has been issued. 

Through all this Citibank has never contacted me once, and I had to always contact them and waste countless hours on hold. It has been a really poor customer experience.
Product: Credit card

attempted to settle for less than balance due approx. 6-7 weeks ago. usaa refused my offer & ended negotiations. I asked if there was a waiting period to call back to attempt to settle again. customer service rep stated no. I called back yesterday for the first time since my original attempt & rep refused to speak with me stating I was n't eligible at this time. I asked what that meant, rep refused to disclose reason. I requested supervisor & was refused. I warmly disconnected, called back to reattempt to find out reason I could n't settle, & a second time I was told the same thing. I requested a supervisor call me back, I still have n't heard back. My complaint is I 'm trying to settle debt and usaa refuses to speak with me about it. I do n't understand why as there is no pending litigation & no cease & desist order in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern in this matter. I need your assistance in removing a charge off account that do not belong to me. However, it is reporting on my credit file. 

My name is not XXXX, XXXX, XXXX  My address is not or never been, XXXX XXXX XXXX XXXX XXXX, To XXXX XXXX, XXXX XXXX XXXX , or XXXX XXXX The following items do not belong to me XXXX is reporting on my XXXX & XXXX ; Bal : {$9300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit Reporting act XXXX Account # XXXX, have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name - Account Number AXX/XX/XXXXXXXX *Date of first delinquency illegally being changed Should reflect the amount first delinquent ) Changes after XXXX Charge off Status
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-debt Final Rule 1002. 142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blockedand deleted from my XXXX credit report. please delete the following accounts. XXXX XXXX XXXX. {$4100.00}, XXXX XXXX XXXX. {$4000.00}, XXXX XXXX XXXX. {$2500.00}, XXXX XXXX XXXX. {$2000.00}, XXXX XXXX XXXX. {$1600.00}, XXXX XXXX XXXX. {$420.00}..
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX, and as a result of this exploitation, multiple fraudulent collection accounts have been reported on my credit file under " XXXX XXXX XXXX '' with the original creditor being XXXX XXXX XXXX XXXX XXXX XXXX. These accounts were opened without my knowledge or consent during the period I was being XXXX 

# # # Here 's a detailed breakdown of what happened : - **Duplicate Reporting : ** The same debt is being reported multiple times with varying balances ( {$1400.00}, {$640.00}, {$750.00}, {$210.00}, {$510.00}, {$990.00}, and {$400.00} ), all opened on the same date ( XX/XX/year> ) and last reported on XX/XX/year>. This is misleading and violates the Fair Credit Reporting Act ( FCRA ) Section 623, which mandates that creditors must report accurate information. Reporting the same debt multiple times is causing severe damage to my credit score and financial stability. 

- **Misleading and Inaccurate Information : ** By allowing the same debt to appear multiple times, the credit bureaus are failing to provide accurate and complete records, as required under FCRA Section 607. This inaccurate reporting presents a distorted view of my financial history, which is particularly unjust given that these entries are tied to my victimization. 

- **Failure to Properly Verify Debt : ** Despite disputing these entries with all three credit bureaus, they continue to report this debt in multiple instances, violating FCRA Section 611, which requires that disputed debts be verified within 30 days or removed if proven inaccurate. Despite my evidence and dispute, no proper verification was conducted, and the entries remain. 

- **Unfair Collection Practices : ** The repeated reporting of this debt by XXXX XXXX XXXX can be seen as harassment and is a violation of the Fair Debt Collection Practices Act ( FDCPA ). This act prohibits debt collectors from engaging in deceptive practices, such as reporting the same debt multiple times to inflate the total amount owed or to harm a consumers credit score unjustly. 

These inaccurate and duplicated entries have caused significant financial and emotional distress as I work to rebuild my life after escaping XXXX XXXX I am requesting immediate action to rectify this situation by removing all fraudulent and duplicate entries from my credit report across XXXX, Experian, and XXXX. This resolution is essential for me to restore my credit profile and move forward from this traumatic experience.
Product: Debt collection

TransUnion Consumer Solutions XXXX XXXX XXXX  XXXX, PA XXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy and validity of certain collection accounts appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I have the right to dispute any inaccurate, incomplete, or unverifiable information. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am requesting full validation of these debts. 

The accounts in question are as follows : XXXX XXXX Account # XXXX {$11000.00} XXXXXXXX XXXX  Account # XXXX {$1000.00} XXXX XXXX XXXX Account # XXXX {$700.00} Reasons for Dispute : 1. Failure to Validate Debt ( 15 U.S. Code 1692g ) I have not received proper validation of these debts. The collection agencies must provide written proof of the original creditor, itemized account details, and proof of their authority to collect.

2. Inaccurate or Unverifiable Reporting ( 15 U.S. Code 1681s-2 ) If these collection agencies can not provide sufficient documentation, they are legally required to remove these accounts from my credit report.

3. Obsolete Information ( 15 U.S. Code 1681c ) If any of these accounts have exceeded the 7-year reporting period, they must be deleted immediately.

Request for Immediate Action : I formally request that TransUnion : Conduct a full investigation into these accounts. 
Require the collection agencies to provide complete validation of these debts, including the original signed agreement and full payment history. 
Delete any accounts that can not be verified within 30 days, as required by federal law. 
If these accounts can not be properly validated, I demand their immediate removal from my credit report. Continued reporting of unverified debts may be considered a violation of federal law, and I will escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office if necessary. 

Please provide a written response confirming the results of your investigation. You may contact me at the address above if further clarification is needed. 

Sincerely, XXXX XXXX