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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching t
he required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) 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 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not delete the account because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : XXXX
Product: Debt collection

Recieved a few emails claiming there is an unpaid loam I need to resolve with speedy cash. Account was paid off a few years ago after contacting the company. The person continues to send threatening emails of me having a lawsuit and need to pay XXXX today or social security number will be blocked, major credit bureaus. Emailed came from : XXXX XXXX
Product: Debt collection

XXXX services are paid in advance and would recur every XXXX of the month on my account. Termination was requested before the next billing period, XX/XX/XXXX because I was moving to another place where XXXX is not a provider. They charged my account in XX/XX/XXXX regardless XXXX {$140.00} XXXX, said it was for the outstanding balance and after much argument I payed for it. The following month they charged my credit card {$130.00} and then the following after that I was charged {$160.00}. Both of the last transactions were disputed and resolved with the credit card company 's help by XX/XX/XXXX. Months after the debt collectors started harassing me for a debt of {$190.00} as follows : XX/XX/XXXX : XXXX sent Debt collector XXXX collect ( XXXX ). Upon review of the information provided from my credit card dispute and account closing they found the debt was not valid. 

XX/XX/XXXX XXXX sent Debt collector XXXX XXXX XXXX XXXX. Upon review of the information provided from my credit card dispute and account closing they found the debt was not valid. 

XX/XX/XXXX XXXX sent Debt collector XXXX XXXX ( XXXX ). Upon review of the information provided from my credit card dispute and account closing they found the debt was not valid. 

XX/XX/XXXX XXXX is now sending a fourth debt collector, I.C. System XXXX XXXX XXXX, making a fourth attempt to collect a debt that is not valid. This time they are asking if I would be willing to pay 65 % of the debt. 

I feel harassed by XXXX. I've put up with this for almost ( XXXX ) year.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code
1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Accounts that needs to be removed XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXXXX/XX/XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$320.00}
Product: Mortgage

My office is helping an elderly couple with the short sale of their property. An offer was obtained within XXXX of bank 's asking price, to further move this matter along my office requested reduction in all Closing costs to maximize the amount being received by the bank. We keep getting denied stating that investor guidelines are not being followed with no clarification. My client 's can not afford this home and do n't wish to have it sitting under their name for years until it 's foreclosed we need assistance.
Product: Debt collection

They failed to respond my request tracking # XXXX item was delivered at XXXX am on XX/XX/2021, in XXXX XXXX, MN XXXX letter attached. which is a FDCPA violation, and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation To whom may concern This complaint is to formally advise you that your company has violated my consumer rights in the following ways. 
Specifically, you : - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my letter- FDCPA violation As you certainly are aware, " Admission by Silence '' means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summoned to court or take action against you. 

This is a notice of default and opportunity to cure ( letter attached ) for I C SYSTEM as the affidavit sent in support of my claim was not rebutted and my demands in the cease and desist were not met. This is an opportunity to settle this dispute by acting in good faith by providing my request of remedy due to the wrongdoings done against me. 

In this attachment will be all previous attachments sent to I C SYSTEM including affidavit of truth, Exhibits A ( Pointing out each violation ). I will be producing an invoice in the future with new violations in the case you default again, and a lawsuit will be commenced against you. 

My specified remedy for damages incurred are as follows : Removal of all negative reporting from all consumer reporting agencies. 
I demand you pay the invoice attached for each labeled violation If you dont comply with my request ( remedy # 1, remedy # 2 ). A Lawsuit will be commenced against you adding further injury, damages, mental anguish, and losses due to me being a victim of violations and identity Theft by your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hireright.com cant finish my pre-employment report because they dont know how. They say theyre going to share my information with a third party locally to help them figure out how to do the criminal background check in the county where I live, but I dont want it shared. They shouldnt be getting paid for reports they dont know how to do. They also shared my info immediately because as soon as the process started, I started getting twenty robocalls a day from many numbers. This scam company should not be allowed to operate in this country! They already are causing me three weeks with no work when I shouldve started already, because they sold my prospective employer a report they didnt know how to do. They havent even tried.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite numerous attempts, TransUnion has NOT removed unauthorized inquiries into my credit report. 

It does NOT matter who can see these inquiries or not. These inquiries were UNAUHTORIZED. 

As TransUnion nor the inquiring company did NOT provide proof of my authorization, these unauthorized inquiries must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX Attn : Credit Disputing Department XXXX XXXX : Requesting Removal of 30 Day Negative reporting to all XXXX credit reporting agencies [ XXXX XXXX XXXX XXXX XXXX _ _ _ _ _ _ _ _ _ _ _ _ _ _ ] My name is ______________ and Im a XXXX XXXX XXXX XXXX XXXX Im writing you today because it was brought to my attention yesterday ( XXXX ) by XXXX XXXX XXXX from Comenity Capital Bank XXXX that my account was 30 days past due. 

If youre able to check my payment history, I always paid my account in FULL every billing cycle since Ive had my account with your bank/ Bjs membership. 

On XX/XX/2021 the financial institution that I use to pay my Bjs account, which is XXXX XXXX XXXX XXXX ( last XXXX XXXX ) was compromised and they immediately closed my checking account pending investigation ( please refer to the accompanying letter from XXXX XXXX, verifying my claim ). 

I always attach auto-pay to all my accounts, so I wouldnt come across problems like this ; oddly enough XXXX XXXX had assured me that theyd pay all incoming debits for 60 days as a courtesy, but they dropped the ball this time. I wasnt able to verify which creditors were connected to that account for payments because they totally removed the entire account information/ history from their website. 

Id appreciate it if you would notify the ( XXXX ) XXXX credit reporting agencies to reverse the 30 Day Negative report made [ XXXX XXXX XXXX _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ ]. It affected my XXXX score drastically, it went from XXXX all the way down to XXXX due to such reporting. 

Regards,
Product: Credit reporting or other personal consumer reports

I have XXXX student accounts with the XXXX government. 
The numbers on these accounts changed by the government.

Transunion counted them as new accounts and drastically lowered my credit score because of this.

THEY ARE NOT NEW ACCOUNTS.

The other credit bureaus did not make this mistake. ONLY TRANSUNION.

I spoke to them and tried to reach them online by phone and by email. They never responded to each. 
I asked for their supervisor and waited XXXX min and there was no response except for music.
Product: Credit card

XX/XX/2023 I purchased copper water bottles from a company called XXXX. The bottles were expensive for their size but with them being copper I expected that. My bottle doesnt show up for months and when it does it is a stainless steel XXXX XXXX XXXX water bottle not the copper one I had purchased. On or around the same time on social media XXXX became well known as the scam water bottle company that everyone who purchased got the stainless steel cheap version. I did a lot of research found that XXXX changed their domain name often it was XXXX XXXX XXXX XXXX. I knew that it was a sham. I disputed the charge on my Apple Card and sent to them through their chat all the photos and documents to show what I bought what I paid for and what was sent. A no brainer except Goldman Sachs ruled on XXXX side. I have now reopened this dispute for the third time and the biggest problem is Goldman Sachs sends an email asking for me to attach my documents I have done this now three times, I have sent them in chat three times with the guarantee the right department will get my dispute. The email bounced back which makes this process a nightmare. How do you dispute something when the email you are asking for attachments to be sent bounces back?. We are now 6 months in and I want this to be settled. I believe doing it here will allow you to see everything I have sent to rule in my favor! Of course XXXX is long since gone off the net for a while they replaced the water bottles with gold watches until people found out that this person/persons was stealing from hundreds of thousands of people.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX NEVER GAVE ( XXXX, EXPERIAN OR XXXX ) ANY VERBEAL OR WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT A COPY OF THE LAW IS ATTACHED WITH THE DISPUTE I HAVE NOT GIVEN YOU PERMISSION TO ACCESS MY CREDIT PROFILE AND YOU HAVE NO PERMSISSIBLE PURPOSE BY THE LAW TO CONTACT THIRD PARTIES WITH MY PRIVATE OR PERSONAL INFORMATION. YOUR OFFENSES AMOUNT TO AGGRAVATED IDENTITY THEFT PURSUANT TO 18 U.S.C. 1028 A. YOU HAVE KNOWINGLY TRANSFERRED POSSESSED OR USED WITHOUT LAWFUL AUTHORITY A MEANS OF IDENTIFICATION OF ME WHICH IS A FELONY PUNISHABLE WITH UP TO 2 YEARS OF XXXX IN ADDITION TO XXXX LIABILITY THE FOLLOWING ACCOUNTS ARENT MINE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for investigation of several accounts, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. The other bureaus have already verified all of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 

Additionally, the following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : 1.XXXX  # XXXX 2. XXXX XXXX # XXXX 3. XXXX XXXX XXXX # XXXX 4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX #   XXXX If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. XXXX  and XXXX refuse to allow me to dispute my accounts online anymore. 

I look forward to an expedient resolution of this matter, Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made a purchase order using XXXX ( because the scammer leads me to ) and once the payment went through the scammer disappeared. Only after 3 hours after I got SCAMMED and while it shows as processing, I contacted Bank of America at XXXX to stop the transferring amount of {$2400.00}. However, surprisingly the first representative only created claimed and didn't really take this as a serious fraud but a personal issue! At XXXX I called again and spoke with different representative XXXX, she was more willing to help but again she only created claimed and didn't stop the fund ... 

Based on my research Bank of America in the past did very similar things to a customer who got scammed and he ran to a local Bank of America and the manager told him they can not stop the transferring.. and get a lawyer to fight for the amount. 

15 Years of a royal customer at Bank of America.. I am super disappointed that they didn't jump on this like family matters since I entrusted my money to this bank instead of others. 

This action is not out of hatred but I have 100 % proof of document shows you we can get the money back from the recipient 's bank and work with XXXX as well to get my {$2400.00}.
Product: Student loan

I dispute the amount of my federal student loans, and would like a copy of the agreement or promissory note outlining the terms of my loans, which span XXXX, XXXX, XXXX. I don't have any records showing what I am being asked to repay and how those funds were distributed to the school.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

US DEPT ED XXXX {$3400.00} ; US DEPT ED XXXX {$2500.00} ; US DEPT ED XXXX {$1400.00} ; US DEPT ED XXXX {$7600.00} ; US DEPT ED XXXX {$5400.00} ; US DEPT ED XXXX {$3300.00} XXXX US DEPT ED XXXX {$1600.00} XXXX US DEPT ED XXXX {$4200.00} ; US DEPT ED XXXX {$4100.00} ; XXXX XXXX XXXXXXXX Balance : {$22000.00}.
Product: Credit card

Formal Complaint : FROM ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX Email ; XXXX XXXX XXXX, XXXX XXXX DepartmentChase Bank / VisaAddress ; HARD COPIES TO BE MAILEDSubject : Formal Complaint of Fraudulent Transaction and Poor/Racist DEI Customer ServiceDear Sir/Madam, I am writing to file a formal complaint regarding fraudulent activity on my Visa credit card issued by Chase Bank , and the continued failure to resolve this issue through your customer service channels. On XX/XX/XXXX, I spoke with a legal secretary at XXXX XXXX XXXX about consulting with a lawyer. The secretary requested my credit card information, which I initially declined to provide until after speaking with the lawyer. Later that day, the paralegal contacted me and asked for my credit card number, stating that the lawyer was ready to speak with me. Based on her assurances, I provided my credit card number and authorized a payment of $ XXXX.However, {$2500.00} was fraudulently charged to my account without my consent. Additionally, I never spoke to the lawyer or received any communication from the firm, neither through email nor by phone, confirming that any legal consultation had taken place.I have since made repeated attempts to resolve this matter with Visa and Chase customer service representatives. Despite spending excessive time on the phone and receiving contradictory information, I was repeatedly assured by multiple representatives, on XX/XX/XXXX, that the funds would be refunded as the new billing cycle had started. However, the funds have not been returned, and I am left with no resolution.I am seeking the immediate reversal of the fraudulent charge, compensation for mental and emotional distress caused by this ordeal, and a formal investigation into the conduct of both XXXX XXXX XXXX and your institutions for this fraudulent activity.Please take this matter seriously and respond promptly, as I will also be taking further legal action to address these grievances.I look forward to your prompt reply and the resolution of this matter. 
THEN ON XX/XX/XXXX XXXX CHARGE ME {$2500.00} AGAIN. I NEVER SPOKE TO ANY XXXX  LAWYER. I DEMAND MY {$2500.00} BE RETURNED XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

RESURGENT CAPITAL SERVICES has initiated a review to collect on a debt that was settled in court back in 2012 and the debt currently paid off. They are claiming ownership of the original account and trying to collect, requesting documentation and my personal information, SSN and checking account payments in order to prove that I do not owe the debt.
Product: Credit card or prepaid card

Hello, I had refund due from an Airline company XXXX XXXX XXXX ) for the tickets I had purchased with my CaptialOne Credit card. After a follow-up with XXXX for more than 1 year and intervention of DOT official XXXX the airlines gave me refund on the credit card with XXXX payments. 
But after few days XXXX charged me and took back the second refund payment. 
I reached out to CapitalOne and disputed this charge. CapitalOne reached out to XXXX on it. XXXX informed CapitalOne that second payment was by mistake and hence they are reverting it. They informed CapitalOne, that I would not get full refund of tickets. 
At this point I submitted CapitalOne the proofs and policy document of XXXX that states that in my situation ; I should get full-refund. 
CapitalOne refused to go back to XXXX company with my documentation without any reason.