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

Transunion is not investigating the negative collection/chargeoff account reporting on my credit report. I have sent numerous letters to the bureau requesting an investigation into the false reporting of this account and I have never received ANY communication from the bureau to show that my request is being looked into. My most recent credit report shows the following account as not in dispute, when in fact this account is in dispute. The account is XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This line item is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line item need to be updated and/or completely removed from my credit report. I have contacted the bureau multiple times to review this account however, I have not been successful.
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 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 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 informatin 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 ).
Product: Debt collection

Submitted complaint to XXXX on XX/XX/XXXX Received follow-up report on XX/XX/XXXX Concerned with debt collection from Credit Management Control on behalf of XXXX XXXX. They claim this belongs to me. I have NEVER lived in Texas where these charges stem from. 

Credit Management Control has been contacted. Now they are sending the past-due bills to my home in Virginia. I have lived in Virginia full time since XXXX. 

I have provided CMC proof of my identity and my residence for the past three years even though these bills only go back two years.

They have assurred me they are removing it from my report, but the information I received from XXXX  is that they are not going to remove it.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Checking or savings account

I made an account with Dave. In XXXX, I made a purchase through this account with XXXX The items purchased were never received, only being explained mysteriously as lost in shipping. XXXX now will not respond to my emails asking for a refund or store credit, and they have locked me out of my account on their website. 
Dave have since closed my account as well in reaction to a question about this transaction. My communications with Dave have ended up with little more than we can not assist with closed acounts. 
Now I have a merchant which will not refund several XXXX dollars, and a bank that refuses to help after shutting my account simply for inquiring on the transaction.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act Account : # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have collections showing on my credit report which I've paid, company and I agreed on having this items removed from my credit report. Only one was removed the rest still there but I've paid for them this is crazy.
Product: Debt collection

This company refuses to provide a validation of debt and claims that the inaccurate reportings ( that was originally outlined in my report ) is not their fault, it inaccurate reportings are found. This collection agency is seeking payment for an account they have no proof belongs to me, an account with contradicting payment history such as payments reported as paid on one credit reporting agency while those same months are reported " missed '' on another. This is extremely predatory and against the law. Please investigate this. please look at the files attached for further context.
Product: Credit card or prepaid card

I opened my {$1000.00} limit credit card with the bank in XXXX of XXXX. In XXXX of XXXX I received a call that my card had been shut down due to a merchant compromise that included my card information. The rep informed me that they would mail me a new card. Due to having reached my limit on the existing card I did not activate the new card. I had given my old card to my ex spouse because I thought the card had been closed. My ex spouse needed a card on file for an account and that was one I thought could be used without making charges. Over the span until XXXX of XXXX, transactions were still allowed to be processed on the card. I later found, after the account was closed out that this card was also my default card for mobile payments and I had initiated transactions as well had my ex spouse. By XXXX the account had over {$11000.00} dollars due. While discussing this situation with the bank I was accused of credit card fraud by deliberately making NSF payments. This is not the case, as their online banking system allows for payments to be canceled after initiated. I had initiated a minimum payment to the card on XX/XX/XXXX. I promptly canceled the payment within minutes due to the amount being much higher that I usually pay and submitted a payment for my usual amount. That is when I noticed the balance. I attempted to call the company to get my account closed, but I was informed it already was. I thought nothing of it and continued making payments as I had before. In XXXX I received a letter that my account had been closed due to NSF payments being made. This, again I thought nothing of, because the account to my knowledge was already closed. When I visited Montana, I brought the card with me and made a transaction using the physical card as an experiment. I presented the receipt to the banker and informed them of the situation. I was informed that there was nothing that could be done about the credit reporting and that I would need to continue to make payments of 3 % of the principal balance going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

After applying for and getting denied for an apartment, I received a copy of my most recent credit report. I noticed there were items on there that were not mine and I believe are a result of identity theft.
Product: Credit reporting or other personal consumer reports

My bank alerted me of XXXX credit inquiries today on XX/XX/23. There were all triggered simultaneously. It appears that somebody is trying to fraudulently take credit out using my identity. The banks through which the inquiries were made : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This account is in clear violation of federal law. I have no knowledge of this account. This collection company has no contractual agreement in place with me nor any type of permission to communicate with me yet they are reporting on my consumer report which is a form of communication. This needs to be removed immediately Under 15 US Code 1692f ( 1 ). Unfair Practices Please delete this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

An accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit several months ago and noticed that there were inaccuracies being reported. I reached out to TransUnion to correct the problematic items listed. Their response regarding this was that they validated the items with the company. I reached out again and they have failed to respond back. 
I am the original creditor, at no time was there an employee of TransUnion nor the other companies listed when this alleged credit transaction took place. I did not verify any trans actions nor did I give consent or authorization to Trans Union or ANY company to benefit from reporting any of my information. I have a right to privacy! Reporting this adverse information is an attempt to ruin my reputation, my character, and my life in general. This is a violation of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Mortgage

We purchased a home in XXXX through ERA. We filed Chapter XXXX bankruptcy not on the home and that was dismissed and paid for in XXXX. We went through a mortgage help company and paid over 800 to get our mortgage through a different company due to the problems we had with ERA. This company then got us a loan modified through PHH and both companies have the same account number, and telephone number to contact them. We have received a letter from PHH last month stating that our direct payments will no longer be pulled since we filed bankruptcy on the loan. We have not filed bankruptcy on the loan and the bankruptcy has already been dismissed so we are not sure why they did this. We have been paying extra every month but now the company says our account number is no longer valid. I am not sure how a mortgage company can hire outside companies and then lie about being the same company. They have the same people working there also. Is there anything we can do about this since this company is lying and we paid extra money to get rid of them. I am attaching all the paperwork that we have received from both companies. any help would be greatly appreciated. Both my husband and I are on Social security and can not afford extra money.
Product: Debt collection

Since XXXX of 2022 I have been sending letters and asked for an itemize copy of bill. Im a victim of identity theft & have been reaching out to all three credit bureau. Ive sent documents as well no response.
Product: Debt collection

My family and I moved out of our apartment on or around XX/XX/XXXX. At the time we moved out, our rent was current. I had given the apartment complex 60 days notice, pursuant to my lease as I had been there since XXXX. The property had been under several different management companies, and kept shabby records. When I notified them of my move, they filed a judgment against me stating that I owed over $ 5k. I have a copy of the email that was sent on XX/XX/XXXX and the complex 's response on XX/XX/XXXX. ( see attachment ) In the 3 years, that I resided at the property I maintained a good payment record with them. 
I started receiving calls in XXXX from Fair Collections & Outsourcing. I advised them that I didn't owe the debt. They kept calling incessantly, early in the morning, and late night hours. I have disputed this on all 3 of  my credit reports but have not been successful. 
They have not demonstrated any proof that I owe the debt. 
The apartment complex kept my security deposit and filed an erroneous judgment. 
We sent our 30 day notice via email. I have the email to proove it. 
In reading reviews of the debt collector, it appears that this is how they operate. They are rude and very disrespectful. I have maintained a good credit rating, and this has impacted my ability to purchase a home. 
I have also mailed a letter requesting that the debt be validated pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }
Product: Credit card or prepaid card

I booked a trip on XX/XX/2019 for the amount of XXXX. This included round trip flights and hotel all inclusive resort for 7 nights. I purchased this vacation and it stated that I would be receiving email shortly with details of trip which I never received. The only thing I received was XXXX XXXX   Tickets. During the 6 weeks I spent sending emails, phone calls asking for my hotel voucher that I never received. I explained to them that I called the resort and they have no bookings under my name I called them numerous of times booking place in XXXX and hotel resort in XXXX. I spent nearly 6 weeks begging for my hotel voucher after much frustration I called XXXX and cancelled the vacation. I then proceeded to use a local travel agent to rebook my trip. I then called XXXX XXXX and they explained because my name wasnt on the booking that these flight could be cancelled at anytime. I was advised to not risk it. I then called my creditor Capital One to report fraud that This company took my money booked my airline tickets I was able to confirm but did not book my hotel I was never able to confirm no booking listed at resort. I explained everything to them and capital one advised me they would take care of the fraud and to rebook my trip because it was going to be a 90 day dispute, and if I hadnt rebooked I would have missed my vacation. Capital one also advised me that to make a resolution with them to contact them at the email that was provided to them which I did make several attempts to no one ever responding. I recently talked with capital one and was told that capital one has continued to try and contact this company for over a year now and they cant get anyone to respond either. The capital one service representative stated to me it looks like fraud since no response has been successful. I said I know they never once have responded to any of my emails, and every phone call is their English was terrible so when I called to cancel maybe they didnt understand the word cancel in English. I asked capital one to please provide me a hotel voucher because its a required paper when checking into these hotels and one was  never provided. The hotel voucher would be issued from the hotel resort confirming I had rooms there. The whole reason for this dispute is because I wasnt flying 1200 miles without this voucher thats required at check-in. I tried numerous times from booking company to please obtain it and send it. My hotel was never booked. I rebooked after fighting for 6 weeks through a local travel agent and received my voucher within 2 days at the hotel resort as previously requested. I need help my creditor still holding me accountable for a trip I did not receive. I would of never rebooked if travel company could of just gotten me my hotel voucher. I have included a screen shot of my computer that shows the reference number. It also states that an email will be sent with details of purchase ( I never received any email ). I received XXXX XXXX link not hotel voucher ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late pavments on an account Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
XXXXXXXX XXXX  XXXX : # XXXX XXXX15 U.S. Code 1681a - Definitions ; rules of construction Exclusions ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; late payments are transactions & experiences. 

XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

To whom it may concern, My name is XXXX XXXX and Im a long-time PayPal user who has never violated the Acceptable Use Policy. Despite this, I received the horrible shock of a ; Important : Account features have been deactivated " We're unable to continue processing payments for this account You can no longer do business with PayPal email today. At the advice of counsel, Im sending you a polite message with details and information so that this policy mistake can be corrected and that my account can be restored to full functionality. 

I primarily use my PayPal for accepting payment for the sales of my digital products ( eBooks and video courses in the book publishing, freelancing, domain flipping niche/industry ) that is, I use my PayPal to receive payments for the sale of goods or services ). In addition, I run adverts to promote my digital products and that is why I make good and occasional sales. Everything I do on PayPal is completely legitimate and I have never had any issues or complaints from any of my customers. 

Here are several examples of recent transactions : [ XXXX XX/XX/2024 ] : [ {$40.00} ] payment for the sales of a digital product ( book publishing course ) from XXXX XXXX. 

[ XXXX XX/XX/2024 ] : [ {$49.00} ] payment for the sales of a digital product ( book publishing course ) from XXXX XXXX XXXX. 

[ XXXX XX/XX/2024 ] : [ {$49.00} ] payment for the sales of a digital product ( book publishing course ) from XXXX XXXX. 

[ XXXX XX/XX/2024 ] : [ {$34.00} ] payment for the sales of a digital product ( cpa/affiliate marketing course ) from XXXX XXXXr . 

[ XXXX XX/XX/2024 ] : [ {$35.00} ] payment for the sales of a digital product ( domain flipping course ) from XXXX XXXX. 

[ XXXX XX/XX/2024 ] : [ {$40.00} ] payment for the sales of a digital product ( cpa lead generation course ) from XXXX XXXX. 

[ XXXX XX/XX/2024 ] : [ {$35.00} ] payment for the sales of a digital product ( book publishing course ) from XXXX XXXX XXXX. 

AND I transferred {$1000.00} from my account to my valid and approved card on the [ XXXX of XX/XX/2024 ]. 

None of these violate the AUP. To be honest, I have no idea what could have triggered this mistake. I reviewed it in close detail. 

Please forward this on to the correct internal department that handles PayPal accounts. I look forward to hearing back from you once my case is reviewed and the limitation is reconsidered. 

Sincerely, [ XXXX XXXX ] [ My PayPal Email : XXXX ] ( CONFIDENTIAL )
Product: Credit card or prepaid card

I have attempted to resolve a dispute with XXXX for months with them in excess of 3000 dollars. XXXX has said I am due the refund, the item has been proven returned and the lack of refund is merely a formality. They will not speak with XXXX for me to clear this up. I have spoken with them and XXXX for hours each day for over a month with no resolution. I have submitted multiple photos for evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the credit bureaus in regards to unknown and inaccurate items that I have found being reported on my credit report on XX/XX/2020. As of today it has been 46 days later I haven't received a response to my disputes of the inaccuracies found on my report. I'm starting to feel as if my actions are being disregarded on resolving this matter. I'm aware that there is a process that has to be taken, but to my understanding failure to to investigate these items within 30 days gives a valid reason to remove these items from the consumer report. So far it has ben 46 days and these items should be removed immediately. These inaccuracies are adversely affecting my credit and I want this issue resolved immediately not in another 45 days.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX Account # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

Experian is reporting a XXXX XXXX XXXX XXXX balance of {$1000.00} on an account that doesn't have a balance.
Product: Money transfer, virtual currency, or money service

Zelle has been scamming in taking people money from accounts along with XXXX XXXX in they steady stealing money from my accounts in not giving the money back
Product: Checking or savings account

Chime provided emails XX/XX/2022 Monday, at XXXX stating my accounts were closed without my consent due to Following a recent review of your Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/2022, and stated the accounts were not comply with internal policies and/or the member agreement. I disagree with that decision given I have never did any kind of suspicious activity on my account ever. I use this account strictly for my direct deposit from XXXX XXXX, and the company refuses to acknowledge that a mistake was made in closing my account. I am seeing a lot of the same issues with others online stating chime also closed their accounts when they are not also committing any suspicious activity on the account to warrant a sudden closure. I've had several escalated cases submitted to Chime in hopes of a response time given to me of 24 hours. The company continues to ask for me to email a copy of my photo ID to send a check within 30 days however I can not receive a check at the mailing address due to mailbox issues with my complex thats been going on for 3 months. I am extremely upset with how this bank is handling business and a history of shutting down the wrong accounts when looking for activity. I have documents explaining every transaction on my account and deposits. I am not sure why Chime chose to close my account along with several innocent others.