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

According to the complaint # XXXX Transunion failed to remove the XXXX XXXX  bankruptcy. I have provided documentation to support the removal. XXXX XXXX has confirmed they could not verify the Bankruptcy in their system I have sent the letter explaining that to Transunion and I have also contacted the US Bankruptcy courts and they stated they do not share this information with the credit bureaus. Transunion has failed to provide proof under the Fair Credit Reporting Act of 15 U.S.C sec 1681i ( C )? This is if you can not provide the proof where you are getting your sources form it MUST be DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/X/17 - Tried to get free credit report from TransUnion but ended up signing up for a monthly service. Cancelled the service immediately but they were still going to charge me {$19.00} for the 2 minutes I had the account!. Called and they said they would reimburse the cost. This was classic bait and switch and should not be allowed. Especially by a company that is the keeper of your information.
Product: Debt collection

I have written to Focus Financial ( on two occasions ), a collection company, asking them to properly validate the debt as required by the Fair Debt Collection Practices Act. All they can send is a single page billing statement. That is not proof, they must produce a document with my signature showing that I am financially responsible for this alleged debt. 

The collection company should produce a document with my signature which shows that I have assumed a financial responsibiltiy. If they can not, the must remove the reporting in its entirety.
Product: Debt collection

On XX/XX/XXXX after reviewing my credit report I noticed an delinquent/collection account, of which I had no previous knowledge of appearing on both my XXXX and XXXX  credit report. The balance owed is reflected as {$1700.00} while XXXX reports the debt type as 'credit card, ' XXXX reports the debt type as 'installment. ' I immediately sent correspondence dated XX/XX/XXXX, ( see attached correspondence ) to the Wilshire Consumer asking them to follow FCRA requirements and validate the debt with a 'wet ink signature. ' I also requested any and all documents pertaining to the account that would further validate the debt in question. Additionally, I disputed the account with XXXX and XXXX. The results of the dispute returned as 'updated, ' as if Wilshire simply updated the account information. Unfortunately as of XX/XX/XXXX Wilshire Consumer has surpassed the 30 day timeframe instituted by FCRA, I 've received no response from Wilshire Consumer. 

Likewise, I contacted Wilshire Consumer via phone on XX/XX/XXXX and spoke to XXXX XXXX ( XXXX ) to request proof of the debt owed. I was told the information requested was available, however, 'originals ' would not be made available for my review.
Product: Credit card

I transferred a credit card balance of approximately {$3600.00} to Pentagon Federal Credit Union ( PenFed ) on their 0 % balance transfer program in XXXX 2016. After a few months on the program, I noticed that my account was being charged interest. This is not an obvious thing as I have a Platinum 'rewards ' card and usually received some credit each billing cycle as a result of gas purchases. I did some rough math and determined that I was paying interest on purchases on an average from the purchase! Not from the billing date or the period after that! I called PedFed and talked to Customer Service. The technicians were at a loss trying to explain what was happening. I was transferred to a Lead/Supervisor named XXXX and got enough of an understanding that it came to one question : Could I pay the total balance with the advance and othe transactions and clear it up? XXXX 's response was yes. How I started paying interest on an undisclosed process bothers me a lot. I wrote a letter to PenFed 's President dated XXXX XXXX 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.In accordance with the Fair Credit Reporting Act XXXX XXXX Account XXXX XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 
3.In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX Account XXXX XXXX has violated my rights. 
XXXX accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXXXXXX violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX has violated my rights. 
12. In accordance with the Fair Credit Reporting Act XXXX # XXXX has violated my rights. 
13. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 
14. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Debt collection

XX/XX/2021 {$780.00} To whom it may concern, Subject : HIPPA Authorization RE : Arcadia recovery bureau , llc I didn't not sign any HIPPA release form or give authorized Access to Arcadia recovery bureau to access my medical records in any way, this is an HIPPA violation. please provide affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA, FDCP, HIPAA
Product: Credit reporting or other personal consumer reports

I have disputed a company by the name of XXXX for about 2 years. I never signed a legally binding document with this company or obtained any type of financing with them. This account does not belong to be and Transunion refuses to provide me with documentation proving that the account is mine. This account should be deleted and removed as it is violating my rights and fraudulent. Ive previously submitted both ftc and police reports regarding this account which have been ignored. In addition the account shows up as needs attention with 0 % left to pay on this loan. The information reporting is conflicting, the account does not belong to me, and its affecting my report leading to inaccurate credit scoring.
Product: Credit reporting or other personal consumer reports

There is information that I notice on my credit report that is a direct and sole result of identity theft, I did not provide written permission or instructions for the identified accounts to be reported on my credit report I am requesting that the information be blockeddeleted, and my request to blockdelete is not being made an error, nor is my request to blockdelete being made on the basis of a misrepresentation of fact, by me, relevant to request to blockdelete the identified accounts, any information related to these accounts, such as addresses also need to be blockdelete it according to 15 USC 1681C-2 information identified as a result of identity theft needs to be blockdeleted no later than four business days after receive I am requesting that the following accounts on this report be deleted from my credit report as these are fraudulent accounts. 

Accounts are : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate this account from XXXX XXXX XXXX XXXX XXXX XXXX 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 TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX 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, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Going back thru XXXX  my personal information was stolen from our storage unit, also a vehicle was stolen from the property with personal information, this person was caught and later released from XXXX, however he tried to purchase many vehicles in my name now all credit bureaus refused to take off inquiries with is hurting me badly, there are over 100 of them XXXX  from all 3 bureaus I have provided lots of information they have asked for, police reports and case numbers..
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. 
Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Product: Checking or savings account

Wells Fargo charge me a fee for XXXX for a transaction I had already cover XXXX  charge me XXXX on the XX/XX/XXXX I cover the transaction the following day but they post the charge of my depot two day later so I can pay a fee
Product: Mortgage

I am in the process of closing a sale on my house and Amerihome is refusing to supply documentation proving they had authorization to sign the mortgage documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my dispute.

15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) =. The law clearly states that if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer On XX/XX/XXXX Transunion received a certified dispute tracking number # XXXX XXXX XXXX XXXX XXXX XXXX to conduct an investigation. 

Today, XXXX XXXX I received a letter from Transunion dated XX/XX/XXXX with the results in which provided no information except the account was verified as accurate but gave me no proof of an investigation. 

Transunion stated the account was properly investigated within 8 days of receiving my dispute but how is that possible when all bureaus are reporting different highlighted such as The account number is XXXX but all other bureaus report different, the monthly payment is blank but all other bureaus report different, the last payment made on XX/XX/XXXX but all other bureaus report different, The payment history of 120 days late is reported three times on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but all other bureaus report different, the date closed is XX/XX/XXXX but all other bureaus report different, The balance is {$27000.00} but all other bureaus report different, first date of delinquency is XX/XX/XXXX but all other bureaus report different and the pay status is charged off but all other bureaus report different. The account was also closed on XX/XX/XXXX but was still reporting late payments and all other bureaus report different. 

All bureaus are reporting different information and every bureau has removed this inaccurate information from my credit report except Transunion. 

I also received statements from XXXX providing different account balances from what is being reported. 

This is grounds for removal they also violated my rights under According to 15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Product: Checking or savings account

Bank of America received a check at the ATM and placed a 10 day deposit hold without notice. BOA refused to return the check inside where the deposit was made and refused to credit the account at the contact center via phone. The extended hold was unreasonable and I asked XXXX XXXX at the call center to contact the issuing bank and verify the funds because this hold was creating a substantial financial crisis for me. XXXX refused to even credit {$200.00} of the check to my account and refused to pick up the phone and verify the check to release funds. These actions are immortal and unfair and if the check was accepted then the funds should be released or the check returned. The banks use of ATM is no excuse for not returning property ( the check ) when refusing to credit the account. I was damaged by the actions of BOA and the check should have been returned on request to provide to the issuing institution.
Product: Credit card or prepaid card

I am a victim of identity theft. A discover credit card was open using my name and personal information, at no time did I have or apply for a Discover Credit Card. I Immeaditaly notified the credit reporting agencies and Discover bank when I notice this fraudulent account. Numerous of times I have disputed this fraud account and wrote letters requesting that all documents, such as credit application transactions and activity related to this account be sent to me. I have filed a police report with the XXXX Police Department DC # XXXX and also the federal trade commission. I have taken all steps to correct this fraudulent account and I am still requesting that Discover send me those documents.This fraud account needs to be corrected at no time did I open this account and it is against the law to report fraudulent activity that does not belong to me.
Product: Money transfers

This is about Western Union money transfer to another country. I sent a money transfer in XXXX XXXX, 2015 to a relative who is not very mobile and is easily tired. My relative went to the Western Union agent in that country and was told that there was an error. I called up Western Union and was told to cancel the transaction and that the money will be refunded to my bank account and to make another WU transfer. I cancelled the first transaction and made another transfer. For this XXXX transaction dated XXXX XXXX, 2015, my relative was told that there was an error but the agent can not tell what the error was. I verified with the Western Union here in the USA and was told that the money was ready for pickup and there was no error. I was told that my sister can go to the agent again XXXX! ) and to call the customer service in that country if my relative is not able to get the money. The service I used was the transfer in minutes using my debit card. Knowing the condition of my relative, I thought it is best not to use Western Union anymore. So, I cancel this XXXX transaction just now and ask for a refund. I am writing so that consumers know about this experience and that Western Union improves the services of their agents in other countries. Meanwhile, my relative and I faced inconvenience, wasted our time and agitated us.
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. 
Account name : XXXX XXXX ( XXXX XXXX ) account # XXXX, XXXX XXXX ( XXXX XXXX ) account # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXXXXXX acct XXXX XXXX, XXXX XXXX acct # XXXX, XXXXXXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX acct XXXX XXXX, XXXX XXXXXXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, and XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 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

In accordance with the fair credit reporting act XXXX  accounts CREDITOR / COLLECTOR : XXXX XXXX  Account Number : XXXX BALANCE : {$650.00}. 


CREDITOR / COLLECTOR : XXXX  XXXX Account Number : XXXX BALANCE : {$600.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$0.00}. 
CREDITOR / COLLECTOR : XXXX XXXX  XXXX Account Number : XXXX BALANCE : {$510.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$1600.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$670.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$710.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX  XXXX Account Number : XXXX BALANCE : {$700.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$650.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX  Account Number : XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX  Account Number : XXXX BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX  Account Number : XXXX BALANCE XXXX {$510.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$1600.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$670.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$710.00} CREDITOR / COLLECTOR XXXX XXXX XXXX XXXX Account Number : XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$650.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$600.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX  Account Number : XXXX BALANCE : {$510.00} CREDITOR / COLLECTOR XXXX XXXX XXXX Account Number : XXXX BALANCE : {$1600.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$670.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$710.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number XXXX XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$75.00} The Credit Bureaus stated my account was properly investigation but how is that possible is the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, this ground for removal they also violated my rights under 15 U.S C 1681 Section 602 A. States I have the right to privacy. 

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

Also the credit bureaus took more than 30 days to complete my investigation.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). 
I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.

I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.