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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX to Block Fraudulent Accounts Under FCRA 15 U.S.C. 1681c-2 ( Section 605B ) Dear TransUnion, XXXX, XXXX I am writing to formally dispute XXXX accounts on my credit report that were fraudulently opened in my name. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), I am requesting that you block this fraudulent information from appearing on my credit report. 

The accounts in question are as follows : XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX Account XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX account opened XX/XX/XXXX These accounts were opened without my knowledge or consent, likely as a result of my personal information being compromised in a data breach. I have included the following documentation to support my dispute and verify the fraudulent nature of these accounts : A copy of my government-issued ID and proof of address ( e.g., utility bill or bank statement ). 
A copy of my credit report highlighting the fraudulent accounts. 
A copy of an FTC Identity Theft Report and/or a police report regarding this identity theft. 
Pursuant to 15 U.S.C. 1681c-2, once you receive this request and the accompanying documentation, you are required to block the reporting of this information from my credit report and notify the furnishers of the fraudulent accounts. Please confirm in writing that the fraudulent accounts have been removed and provide an updated copy of my credit report. 

Thank you for your prompt attention to this matter. Should you need further information or documentation, feel free to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX
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 confidentiality under 15 USC 1681. 
XXXX XXXX  XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States 1 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 1 5 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: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, have filed a dispute with the respective XXXX credit bureaus XXXX, XXXX, & Equifax. It has been well over 30 days since I filed an FTC report under # XXXX and sent it to the three credit reporting agencies on the XXXX of XX/XX/XXXX in which it is now XX/XX/XXXX 44 days and have not heard anything back! However, not only has these bureaus ignored my request for inaccurate information contained on my credit report they have sent me irrelevant letters stating that these disputes are not from me and that I must send identification for proof of identity in which I have already included in these letters. I am not horsing around with these credit reporting agencies that believe they have the authority to supersede the law in which I am demanding respectfully to be provided proof of these alleged items, specifically the contract, role or other instrument bearing my signature that verifies these alleged accounts or I will be filing a claim in federal court if these are not removed immediately.
Product: Credit reporting or other personal consumer reports

Asked equifax to fix multiple discrepancies on my credit report and they keep stalling and not providing me with the information I need. I have consulted an attorney and they advised me to include these letters in this complaint including my id, ssn card and proof of address. Please see attached letters to this complaint.
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 XXXX Debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and 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 of debt XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Two automatic payments of {$40.00} were debited within 2 days. The first on XXXX, the second on XX/XX/2022. 
On XX/XX/2022, at XXXX XXXX CST, I engaged with XXXX, in the XXXX representing Indigo Credit Card Co. I advised I was looking directly at my bank statement, he gave fax # of XXXX XXXX XXXX but wouldnt give a turnaround time. When I stated my concern that there may be 2 payments deducted in XXXX and requested a supervisors name and a callback he disconnected the call. 

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

Per the FCRA, I am a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. I understand that the debt has been reporting late payments and can not be reported to my credit report. I am requesting compensation { {$1000.00} }, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater. Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Product: Debt collection

I do not owe this company Spring Oaks Capital {$8500.00} any money. I was sent a XXXX contract that has been satisfactory to XXXX and that account has been closed as paid. 

This company paid little than less money for an account that has been written off by XXXX. It shows account closed and debt was satisfied. Spring Oaks Capital trying to collect on a balance I never owed them and I do not have a contract with them. I never had a contract with Spring Oaks Capital who is trying to commit fraud with collecting monies I do not owe. As I never signed a contract with Spring Oaks Capital. I have obtained an attorney and we have filed a complaint in accordance with Fair debt collection practice act 15 U.S.C. section 1692.
Product: Credit card

Have reached out to the company ( Self Financial ) Lead Bank on XXXX different occasions and they have stated that a new credit card has been mailed.And I should receive the card in 14 days.The card has now been generated with at least XXXX numbers because when I call they start a new card as if the card was lost in the mail.If a card was sent usually an email is sent to verify that it was mailed out.It is now about XXXX  month and a haft still no card.
Product: Debt collection

On XXXX XXXXXXXX XXXX Transworld systems Inc. reported a collection of {$420.00} on my credit that was a supposedly originally from a XXXX XXXX XXXX. I have never had electricity or gas from any company except XXXX XXXX who is not associated with this company at all. Also, XXXX XXXX XXXX was bought out by XXXX XXXX who is owned by reliant over 5 years ago. Again, Ive never had an account with any of these companies. I also never received any written or verbal notice about this and cant find a legitimate way to contact this Transworld Systems Inc. I have already disputed the colleagues with the three major credit bureaus and put an initial fraud alert on my credit. I wanted to report this because there seems to be a fraudulent charge or report either by the power company or the collection agency. Based on what others have stated about the collection company I would guess they are not running the most legitimate claims. I reported in hopes this will be investigated by someone so that it wont happen to someone else.
Product: Payday loan, title loan, personal loan, or advance loan

I have had a loan with greenline loans since XXXX. I have had two loans which were paid off successfully. I currently have a loan which was taken out XX/XX/XXXX for {$400.00} the payments were originally {$120.00}. I reached out on XX/XX/XXXX via the Consumer Finance Protection Bureau explaining my hardship and on XX/XX/XXXX I received a response from greenline loans saying that I have 5 payments remaining and once the last payment on XX/XX/XXXX clears the loan will be considered closed. I originally had a payment on XX/XX/XXXX which I called to move for XX/XX/XXXX. I have a lot of expenses which have increased. I have been a customer of greenline loans since XXXX. I would like to consider what I have paid and settle the account I have made a total of 10 payments which totals up to {$350.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email from American Express Serve stating my card was overdraft {$110.00}. I called American Express Serve and spoke to a representative who stated that when I paid my XXXX XXXX XXXX bill on XX/XX/XXXX, XXXX XXXX XXXX failed to collect the funds in the amount of {$120.00} until XX/XX/XXXX. This person also explained that the grace period for XXXX XXXX XXXX to collect the {$120.00} payment is 7 days from the date of the original transaction which was XX/XX/XXXX. The representative also stated that because the money was not collected in a timely manner by XXXX XXXX XXXX, it was sent back to my account and used for other purchases and when XXXX XXXX XXXX collected the {$120.00} on XX/XX/XXXX there was no money in my account to pay the bill, however ; American Express Serve authorized the payment of {$120.00} anyway thusly putting my account in the overdraft amount of {$110.00}. I later called XXXX XXXX XXXX and spoke to a representative who looked up my payment history and found in their records that the {$120.00} was collected and the transaction completed on XX/XX/XXXX not XX/XX/XXXX. I called back American Express Serve and explained the information I was given by XXXX XXXX XXXX about my payment. I was then informed by the representative that XXXX XXXX XXXX was wrong and that said representative would call XXXX XXXX XXXX and tell them their records were wrong. I agreed to conference call with both American Express Serve and XXXX XXXX XXXX so we all could clear this matter up. We were on the phone for over 2 hours during which 2 representatives from XXXX XXXX XXXX both explained their process of collecting payments and thoroughly went over my payment history with both myself and American Express Serve. Both XXXX XXXX XXXX reps stated that the payment of {$120.00} was collected and completed on XX/XX/XXXX not XX/XX/XXXX. XXXX XXXX XXXX even provided the confirmation number of the payment at the request of American Express Serve. Then the American Express Serve rep said he couldn't use the confirmation number even though he requested it. The XXXX XXXX XXXX rep explained that if an issue with my payment or method of payment was a problem it would show in my XXXX XXXX XXXX account and verified no such problem occurred. The XXXX XXXX XXXX rep then asked American Express Serve for their confirmation number to show there was an issue with the payment to which the American Express Serve representative stated everything is computer generated and the company keeps no confirmation numbers about customers or transactions. The American Express Serve representative then told me that there is nothing they can do to rectify the problem of overdraft although XXXX XXXX XXXX supplied all the information requested and gave confirmation of payment dated and transaction completion. I was told by the American Express Serve representative that I just " need to focus on paying them {$110.00} '' from the overdraft. According to the completed records from XXXX XXXX XXXX and the payment confirmation number of said payment of {$120.00}, I would not have an overdraft payment of any kind.
Product: Debt collection

I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Carvant Financial LLC '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried reaching Experian XXXX XXXX to alert them that i have not made any of these accounts they ignore my request and they are putting me in a bad position due to having a XXXX im trying to get a new loan on my house and get it equipped for my condition. I went to apply for a loan and they are reporting false inquiries and accounts that are not mines This is costing me time and stress because they are failing to remove the things that aren't mines. I only have a house loan i didn't open or apply for anything on my credit report. I requested that a freeze be put on my credit report and i get a phone call when applying for lines of credit. I These 3 companies have used a automated service and ignore my request. im going to forward this to the white house if this matter is not took care of.
Product: Credit reporting or other personal consumer reports

Im filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24hours stating the account is accurate without providing any evidence of through investigation. The practice violates the Fair credit reporting act ( FCRA ), 15 U.S.C., ,1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C.,, 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumer with the necessary proof of investigation. 

These are the accounts I found as inaccurate : XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX {$3100.00} XXXX XXXX  XXXX {$1700.00} XXXX- {$9400.00} XXXX XXXX XXXX  XXXX {$55000.00} XXXX XXXX XXXX- {$1000.00} XXXX XXXX {$1.00} XXXX XXXXXXXX {$18000.00} XXXX XXXX XXXX {$8600.00}
Product: Credit card or prepaid card

Macy 's Credit Card issued by Macy 's through Department Stores Nat. Bank. 
I used this credit card only in Macy 's and always paid it monthly in full and on time. I do not use any credit. 
Suddenly in XX/XX/2020, they charged me a {$28.00} fee for Late Payment. I did not owe them any money. I called them and asked them to cancel this undue charge and to cancel the card. I do not have any card debt and can not afford any charges. They accepted verbally to cancel the {$28.00} fee and to cancel the card. 
To my surprise, they continued to charge the card with Late Fees and Interest. 
To this date, they have charged {$150.00} ( Late fees for {$140.00} and interest for {$4.00} ). 
They have kept the account open against my will to charge fees and interest. 
This is clearly an attempt to collect money from a person who does not owe because she is not buying anything. Apparently they want to increase the account with more charges each month until the amount increases to thousands of dollars. I refuse to pay this or any amount they charge in the future.
Product: Checking or savings account

Several transactions between XX/XX/XXXX thru XX/XX/XXXX. I have several receipts in my email. Too many to upload.
Product: Mortgage

I closed on my property at XXXX XXXX XXXX XXXX, la XXXX on XX/XX/2019. money was collected at closing ( {$4700.00} ) for holdback for repairs and sent from the title company to the lender ( homebridge ) as instructed by the lender. I have been contacting home homebridge since XX/XX/2019 in regards to that amount of money to have repairs taken care of. I have not only gotten the run around and multiple numbers to contact but no one has yet to contact me or the closing company back. The corporate office number I was instructed to call no longer gives you a option to select a extension it does nothing nor does a operator pick up the line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed chapter XXXX bankruptcy with exemption that I would reaffirm the debt of my American Honda finance motor vehicle and our. property service by XXXX XXXX XXXX I claimed as exempt was retained an pay as to contract.But both are closed in my credit report because of chapter XXXX bankruptcy which .I have never stopped making payments because they were both retained they were not part of the bankruptcy..No payments are been reported by either company.
Product: Debt collection

On XXXX XXXX XXXX XXXX XXXX XXXX, someone came to my front house door and asked for XXXX XXXX XXXX myself ). She handed me a paper that appears as a complaint for monies due with an apparent case number, however, when researching the case number with the court and the so-called attorney 's office, nothing came back favorable. This leads me to believe this " complaint '' is fraud and someone is misrepresenting themselves as an attorney to collect on a past debt.
Product: Debt collection

Sunrise Credit Services has been calling me repeatedly, but not answering when I pick up the phone. So I called them today. They told me I had a {$600.00} debt to XXXX. I have never had a XXXX   account. They asked if I lived at a particular address -- I had never lived there. They asked if my birthday was XX/XX/XXXX. It is not. The calls from this place are incessant and it's not even my debt.
Product: Credit reporting or other personal consumer reports

Hi I notice some unauthorized inquiries account installment loans car loans collections and student loan on my account that not mines an thats not accurate and are paid off and by the FCRA I would like them removed or pay and pay as agree XXXX  XXXX XXXX XXXX paid off but have late payments never missed and 15USC 1681 A, 2, a, I, Late payment Student loan thats not mines in I want them to b removed or pay or pay as agree XXXX XXXX XXXX XXXX {$7400.00} {$4300.00} {$1400.00} DEPT OF EDUCATION/XXXX XXXX {$6200.00} {$4300.00} {$4700.00} {$1200.00} {$39000.00} {$930.00} {$7700.00} {$5400.00} I also have 2 collections thats not mines want they remove off my credit report XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$620.00}
Product: Credit card or prepaid card

I have had   a Sears credit card through Citibank during two different time periods. Several years ago I had an issue where I paid the account in full, only to receive a bill for something like {$3.00} in interest a month later, and then fees on top of that when I did n't notice the bill because I thought the account was paid in full. I canceled the card after getting the late fee removed and paying the {$3.00}.
Recently I opened a Sears card again, paid the account in full over the phone and canceled the card, only to receive a bill for {$6.00} in interest a month later, again a bill I did not expect as had canceled the card. A month later they tacked on a whopping service fee and sent it to collections.
This is an unfair billing practice. In this day and age, if a customer calls and asks for the amount due so they can pay the card off in full and close the account, the amount told to the customer should be the final amount due, and there should be no yet undisclosed additional interest added to the bill in the next month, which then trips up the customer and allows Citibank to tack on enormous service fees and send the account to collections to effectively earn an exorbitant additional profit.