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

I am writing to formally file a complaint against TransUnion regarding their handling of fraudulent accounts listed on my credit report, as evidenced by File Number : XXXX, dated XX/XX/year>. 

TransUnion has recently provided investigation results for all disputed accounts, stating they are " VERIFIED AS ACCURATE. '' However, I am deeply concerned about the lack of transparency regarding the verification process and the method used to validate these accounts as accurate. Despite numerous attempts on my part to provide comprehensive documentation supporting my claim of fraud, TransUnion has failed to disclose how they verified these accounts. 

Furthermore, TransUnion 's repeated requests for documentation already provided raise serious concerns about their compliance with legal requirements and their commitment to resolving this matter in good faith. Despite confirmation from multiple representatives that the necessary documentation is on file and the investigation is ongoing, TransUnion continues to send duplicate correspondence, causing unnecessary delays and frustration. 

In light of these actions, I have sought legal representation to facilitate the dispute process. However, TransUnion 's failure to address this matter in a timely and transparent manner suggests a deliberate strategy to evade their legal obligations and prolong the reporting of these fraudulent accounts on my credit report. 

As my last attempt to resolve this issue, I am prepared to take legal action against TransUnion if necessary. I have included all correspondence, both from myself and my attorney, sent to TransUnion in an effort to resolve this issue. I urge the Consumer Financial Protection Bureau to intervene and ensure TransUnion adheres to the law by promptly removing these fraudulent accounts from my credit report and providing transparent documentation regarding their verification process. 

Thank you for your attention to this matter, and I look forward to a swift resolution.
Product: Credit card

Today, XX/XX/XXXX, I received a text indicating a purchase was made on my XXXX account for an amount totaling over {$700.00} ( XXXX controller, XXXX accesory kit and a tv ). I contacted XXXX and the charge was cancelled but my account had been compromised and my email was then inundated with over XXXX emails subscribing me to various places. I requested my XXXX account be cancelled.
Product: Credit card or prepaid card

I applied for and received a Bank of America XXXX XXXX card in XX/XX/2021 with a promotional offer of XXXX bonus miles if you spend {$1000.00} in the first 90 days. I spent and paid a total of {$1000.00} by the second month. When I called Bank of America this month they said I did not meet the required {$1000.00} because {$59.00} was a membership fee so I was short {$57.00} of the {$1000.00} and no points. In my view they need to be more open about the fees. Security fees, excise taxes, sales taxes all count. Please see letter attached from them, it states I did not I spend the {$1000.00} of which I have proof. No mention about the {$59.00} not counting. I do not know how many other consumers have been mislead by the promotional offer not stating OPENLY that the membership fee does not count towards the {$1000.00} total. I may have been mislead by this offer, but would hope that they state this in large print SO others do not make the same error in the future.
Product: Credit card

Filed claim with XXXX XXXX US Bank stayed at XXXX XXXX XXXXXXXX XXXX 
XX/XX/XXXX to XXXX. 
Had to be moved to 2 other rooms because XXXX in first room. 
No service to the room 5 days XXXX XXXX available at desk only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have 5 pages explanation from hotel & credit card companies. Bank said I signed the terms and conditions can not reverse. Been a buyer for 40 years. Terms & conditions apply both way if company dies not fullfill there part of the contract.
Product: Debt collection

I'm filing this complaint for two reasons. The first is to ensure that there is a copy filed on record within the CFPB 's database, a NOTICE I mailed via USPS, certified, priority mail, return receipt to the SCA on XX/XX/2023. You will find the notarized documentation attached below. The second reason, is that in the event that the SCA chooses to continue their pattern of noncompliance with the FDCPA in communication with me, the CFPB exercise on my behalf the powers granted to them by congress, and impose fines for the damages The Specified Credit Association has caused me by violating my right to privacy. Not once, but twice. It is my firm belief that any other conclusion would be without standing and an injustice.
Product: Checking or savings account

On XX/XX/XXXX I linked XXXX XXXX dollars from my SOCIAL SECURITY XXXX XXXX XXXX to my small business account, which was in an overdrafter for negative XXXX XXXX and XXXX dollars but my linked SSN acted as an overdraft protection account and paid the fees, within 3 days the Social Security XXXX softed pooled my credit report because I linked my brother 's as well because I was his payee for his XXXX benefits. I figured XXXX XXXX was to much for that only XXXX XXXX and XXXX XXXX dollar insured account, so I dropped the balance from XXXX XXXX and XXXX XXXX to, XXXX and XXXX XXXX. Someone within two days in the private closed the savings account down and added the XXXX XXXX and XXXX XXXX dollars to the checking account, which brought the balance to XXXX XXXX XXXX dollars. I was concern then ... For almost a month in a half I tried fully linking the account. I called but the banker ( lady ) on the phone at the bank said she couldn't see the linked account, so I made it my duty to go up to the bank to see what was going on because the amount revealed XXXX XXXX percent approved and the account identified and verified my name but on XX/XX/XXXX before I arrived to the bank, someone had shut my account down and still to this day I have not received my funds in n the account and still owe the XXXX ( the account is my prepaid and exempted account, I'm age of majority and competent to say so and filed a XXXX report on it too. ) and I even tried reopening an account online and was approved but someone shut that one down too and I used my birth file date to open it, instead of my birth charted date of birth to open the account and it went through. Their withholding my assets with prejudice and I used my SSN and EIN to open that account but the SSN is where the source of the funds came from. I'm alive and the ttee and beneficial owner ( merger accounts ), without prejudice, XXXX XXXX XXXX, XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a bad check from someone and he asked me to send some amount of money from this check to someone else regarding freelancing work. I deposited the check. On XX/XX/XXXX, Wells Fargo told me to not use the money till XX/XX/XXXX because they are checking the check. 
On XX/XX/XXXX, the amount of the check was fully deposited to my account without any alert, email, or message from Wells Fargo. I sent the {$2800.00} to someone else as the scammer told me, and I was confident because I had the full amount of money deposited to my account.After XXXX hours, Wells Fargo retook the check money saying that it's a bad check!! 
I called them on that day, and they forwarded me to the Client Escalating employee. She told me, after a 40 minutes call, that Wells Fargo will give me the amount of the check back within XXXX business days. Nothing happened after 7 days, so I recalled them. A new Client Escalating employee answered, saying that we will not do anything for you and he hung out without listening to me.
Product: Credit card or prepaid card

In XXXX 2022, I opened a capital one venture X credit card. Within one week, my data had been stolen and used fraudulently. The company froze my account. In XXXX 2022, the fraud claim was resolved and charges were refunded to my account. However, there were actual charges made by me and the {$390.00} membership fee. Although the fraud was resolved, the Company wanted to verify my identity before unfreezing my account ( blocking all functions but payment on existing balances ). I called throughout XXXX and XXXX and was told their department was handling my account and the only thing I should do was make the payments ( including the membership fee ). By the end of XXXX, I had paid off all balances. I called once more XX/XX/XXXX and was informed they were still reviewing my account. On XX/XX/XXXX, I called again and was told my account was closed and I was outside of the refund period for the {$390.00} membership fee despite only one week of usage and my repeated attempts to get my account unrestricted.
Product: Debt collection

I received a letter stating I owed a past debt to XXXX for {$130.00}. 
# 1 ) We have never been contacted by XXXX of an open unpaid bill # 2 ) Our XXXX account is linked to a credit card so their can not be any open balance owed to XXXX. 
# 3 ) We checked our XXXX account and it has a zero balance and is in good standing. 

This is a fraudulent attempt to collect money hat is not owed nor did they provide any details as to the transaction in question.
Product: Debt collection

XXXX -- XXXX Please verify the filing date as well as the discharge/completion date. If you are unable to verify, please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report Dear Credit Bureau I am writing to formally dispute certain inaccuracies on my credit report that I obtained from your agency. My report contains the following erroneous information : [ Description of the item you are disputing, including account number, creditor name, and specific inaccuracies ] This information is incorrect because [ explain why the information is inaccuratee.g., it is not your account, it is outdated, etc. ]. 

I have enclosed copies of relevant documents to support my claim, including [ list any documents you are including, such as statements, payment confirmations, or identification ]. 

According to the Fair Credit Reporting Act, I request that you investigate this matter and remove or correct the inaccurate information on my credit report. Please confirm receipt of this letter and provide me with the results of your investigation. 

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

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2019, I signed a loan for {$6400.00}. The plan was to pay {$200.00} a month for 46 months and end up paying {$9400.00} altogether ( including interest ). I didnt want pay so much in interest, so I decided I would make larger payments. To date, Ive paid {$7000.00} ( including interest ) and its only been two years. I believe that Ive been overcharged in interest and that United Consumer Finance is not adhering to the contract.
Product: Debt collection

Back in XXXX XXXX  one of the 3 major Credit Reporting agencies leaked the data of XXXX million Americans, including myself. The data breach exposed ( My Name, Birth Date, Address, Phone Number, Social Security Number, as well as my Drivers Licenses number ) As a result of this breach, I have become a victim of identity theft, leaving my credit file tarnished and my overall credit score destroyed. This negligent on XXXX part, will leave my personal information permanently available for access at any time. My name, date of birth and social security number are never changing ; therefore, I am at risk of identity theft at any time. Im a very private person therefore knowing that my personal information is in the hands of The XXXX  XXXX Hacker I will forever have to look over my shoulder, check my credit score for accuracies, and fear of someone using my personal information, this has caused me a lot of mental and emotional stress. Credit reporting laws ensure that your organization report only 100 % accurate information, due to the XXXX XXXX  Security Breach your company is in direct violation of the Fair Credit Reporting Act. XXXX was negligent in allowing my personal data to be breached, I am demanding the incorrect information reported as a result of this breach be removed upon receiving this letter. If you do not immediately remove this inaccurate information from my credit file, my lawyers in filing suit against your company in the State of Alabama Circuit Clerk of XXXX County on XX/XX/XXXX at that time I will seek for Punitive damages, cost for attorneys fees, court cost, as well as compensation for ongoing emotional distress, anxiety, and harassment due to this security breach. 

The following accounts are currently being reported to my Credit Report with Transunion, XXXX, and XXXX. These accounts are a result of the XXXX XXXX  breach. 

1.XXXX XXXX {$440.00} 2.XXXX XXXX {$450.00} 3.XXXX XXXX {$560.00} 4.XXXX XXXX {$300.00} 5.11 XXXX XXXX XXXX {$440.00} 6.01 XXXX {$450.00} 7.12 XXXX XXXX   {$560.00}
Product: Debt collection

This company does not have a contract with me. This is not a valid debt. NO CONTRACT. This is a violation o  f HIPAA as well as the Fair Credit Reporting Act.
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from GLA Collections.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA   authorization.     Please provide breakdown of fees including any collection costs and medical charges.   Provide a copy of my signature with the provider of service to release my medical information to you.   Cease any credit bureau reporting until the debt has been validated by me.       XXXX   XXXX    XXXX   XXXX  needs to send this information to me for review, accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an a ttempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.      Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.     Dates :  XXXX  amount {$140.00}  XXXX  amount {$240.00}
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX, Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute inaccurate information contained in my credit report. As per the Fair Credit Reporting Act ( FCRA ) under Section 611, I am requesting an investigation into the following erroneous items on my credit report : 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 I believe these entries are incorrect because these accounts were, paid-off debt not reflected, account not mine, incorrect balance reported, etc. ]. 

Per FCRA guidelines, I respectfully request that you investigate these discrepancies and remove the inaccurate information from my credit report. Please provide me with a written explanation of the results of your investigation. 

Thank you for your prompt attention to this matter. Please inform me of the actions taken within the XXXX investigation period, as stipulated by FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023, and XX/XX/2023, I deposited two checks into my account with Capital, that I later discovered that these checks were fraudulent. To my dismay, the bank declined my offer to rectify the situation and instead chose to restrict my access to my direct deposited SSI benefits.

The restriction imposed on my account has had severe consequences on my ability to meet my basic needs and financial obligations. The undue hardship caused by the restriction has left me in an extremely vulnerable position and has significantly disrupted my financial stability.

I kindly request that you intervene to ensure that Capital One promptly rectify this matter by immediately lifting the restriction on my account and ensuring that my access to my SSI benefits is fully restored. 

Thank you for your immediate attention to this matter. I anticipate a prompt and satisfactory resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : 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$240.00} ; XXXX XXXX
Product: Debt collection

Three to four different debt collection companies have tried to place a collection from this company on my credit reports. I have gotten the debt removed each time because its fraud and each time they try to file for a different amount claiming to be owed by me. One collection was for {$370.00}, another {$190.00} and now they are claiming I owe {$150.00}. Which makes no sense, I never had a loan with this company and if I did why would they collection amount be different each time they file? This is fraud please stop this company from using my SSN, they are harassing me and affecting my credit. I DO NOT OWE THEM MONEY AND WILL NEVER PAY THEM ANY MONEY. Attached are screenshots of the {$370.00} they attempted to charge my XXXX account which I never gave them my name one their so Im confused how they tried to charge that account. And attachted are screenshots from XXXX  deleting this debt twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian fails to remove the 13 XXXX XXXX XXXX accounst. Experian reports incorrectly that these accounts first report dates. Experian reports incorrectly that these account balances. Experian reports incorrectly that these accounts are past due. Experian reports correctly payments then deletes them. Experian reports incorrectly these account 's date of first delinquency. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX I am writing to dispute late payments listed on my credit report. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments. { XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX. 
I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately. I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful noncompliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation.
Product: Debt collection

The Sayer Law Group P.C. 
XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Cease and Desist & Request for Compensation Dear Sayer Law Group, I am writing to formally notify you that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX XXXX. XXXX ( d ) and XXXX ( cc ), regarding the debt you are attempting to collect from me. This debt, associated with XXXX XXXX XXXX XXXX and identified by account number XXXX, has been the subject of my prior communication regarding debt validation. 

On [ insert date of your request ], I submitted a formal Request for Debt Validation along with an invoice. Under the FDCPA, you are required to provide verification of the debt upon my request. Instead of fulfilling this obligation, it appears that you have engaged in practices that may be deemed abusive and unfair, as outlined in XXXX ( d ). 

Additionally, I would like to bring to your attention that per IRS regulations, a charged-off debt is treated as income, and a Form XXXX must be issued when a debt is forgiven or canceled. I have not received such documentation in association with this debt, which is a violation of my consumer rights. Furthermore, the inclusion of income due to charge-offs on a consumer 's credit report contradicts XXXX ( a ) ( XXXX ) ( A ) ( i ) of the Fair Credit Reporting Act. 

It is not only imperative that you cease all collection efforts until this matter is corrected, but I am also seeking compensation for the violations of my consumer rights due to your failure to validate the debt and the potential misreporting of the account. 

Should you continue to pursue this debt without complying with the above laws, I will not hesitate to take further action, including filing a complaint with the Consumer Financial Protection Bureau and seeking legal counsel to protect my rights. 

Please consider this letter a formal cease-and-desist request. I expect a prompt acknowledgment of my request and an immediate action to correct your reporting practices regarding this account.