23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am XXXX XXXX XXXX and am submitting this complaint myself with no third party. I, XXXX XXXX XXXX, consumer, sentient sovereign and original creditor of an account using my open-end credit plan. 

The following United States Codes UNIFIN has not abided by : 1 ) 15 USC 1602g : XX/XX/XXXX, UNIFIN XXXXlaims XXXX XXXX doing business as XXXX was the original creditor and they are the current creditor, 2 ) 15 USC 1692e : XX/XX/XXXX, UNIFIN claims XXXX XXXX doing business as XXXX was the original creditor and they are the current creditor, 3 ) 18 USC 1961 racketeering and extortion through interstate commerce, 4 ) 15 USC 1692j : deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8. 

I was notified of this transgression of my rights specifically 15 USC 1601- the Truth in Lending Act by UNIFIN INCORPORATED doing business as UNIFIN on XX/XX/XXXX via US mail. According to 15 USC 1602 definitions of the Truth in Lending Act, I, as a natural sentient possessing an open-end credit plan was harmed by XXXX XXXX doing business as XXXX adverse action was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00} per occurrence per offence. XXXX XXXX doing business as XXXX and UNIFIN doing business as UNIFIN is now civilly liable to pay me for the damages.
Product: Debt collection

Family member stole my identity and personal information. And use it to apply for a us dept education loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has the wrong home address on my credit report. I've sent several request to update the information. It has been past 45 days and I have yet to hear back from TransUnion.
Product: Credit card

My Citi XXXX Visa was charged for two transactions I did NOT make. 
XX/XX/XXXX -- I noticed 2 transactions totaling {$5400.00} : XXXX XXXX XXXX, {$2400.00} and XXXX XXXX XXXX, {$3000.00}. 
I called Citi immediately and said my XXXX account had been hacked and he Citi Visa card which was linked was compromised. Citi fraud dept. came back and said since I had the card the transactions must be mine. No resolution. 
I opened a second dispute as a billing dispute -- same outcome. Citi said since I had the card the transactions must be mine. 
-- Filed a police report for credit card theft -- Called XXXX  per Citi and they said there were no transactions matching my descriptions. 
-- I rarely use XXXX and never for anything over {$170.00} ( let alone {$5400.00} ). 
XXXX Citi said that I had " experience " with the merchant ( XXXX ), so it must be my transactions. 
-- I have no knowledge of XXXX XXXX and hope that XXXX can help. I believe Citi just blew me off. I was hacked and Citi is not living up to its promise as a customer. 
--
Product: Vehicle loan or lease

XXXX i that s the original dispute number was reported back in XXXX of XXXX  when the account was discovered. 

Loan opened Fraud. Incorrect information is being reported on my credit report. I Live at XXXX XXXX XXXX XXXX Fl. XXXX. I now have a Loan under KIA Finance America with no car that I am actually in [ possession of and its Fraud.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 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. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX and U.S. Bankruptcy Court XXXX. Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquiries for credit.
Product: Credit reporting or other personal consumer reports

I DESAGREE WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION.I WOULD LIKE THIS ITEM INMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE, ACCOUNT NAME : XXXXXXXX XXXX, ACCOUNT NUMBER:XXXX. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, SUBSECTION A-D, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ABOVE, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am XXXX XXXX XXXX XXXX late on the XXXX  partial account numbers XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I urgently plead for your immediate action to expunge the fraudulent inquiries from my credit report. These unauthorized inquiries are causing me significant distress, as I did not authorize them. It is unfair for me to bear the burden of responsibility for these accounts, as I neither initiated nor approved them. I urge you to promptly rectify this issue.
Product: Credit reporting or other personal consumer reports

The only fair outcome I expect is for these unauthorized inquiries to be removed and blocked from my credit report as soon as possible. I need this to happen so I can finally be free of the stress and shock this situation has caused me, and Im extremely frustrated with how long this has taken. Please address this issue immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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: Vehicle loan or lease

XX/XX/year> for {$840.00} thru XXXX XXXX XXXX for Volkswagen loan amount XXXX I traded a vehicle and still got stuck with higher payments they told me even with removing things it will still remain the same amount
Product: Credit reporting or other personal consumer reports

Subject : Request to Block Fraudulent Information on Credit Report Pursuant to FCRA Section 605B and 15 U.S. Code 1681c-2 ( a ) Complainant : XXXX XXXX XXXX XXXX : I am filing this complaint to request immediate action under Section 605B of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2 ( a ). As a victim of identity theft stemming from a data breach, I am exercising my rights to have fraudulent information blocked from my credit report.

Nature of the Issue : Due to the data breach and subsequent identity theft involving my Social Security Number ( SSN ) and other personal information, I have discovered unauthorized accounts and transactions reported on my credit file. These fraudulent items have negatively impacted my creditworthiness, as evidenced by a recent denial of credit from my bank. 

The items I am disputing and requesting to be blocked are : XXXXXXXX XXXX Supporting Documentation : I have included the following documentation to substantiate my dispute : A copy of my original dispute letter sent to TransUnion. 

A copy of my government-issued ID and Social Security card for identity verification.

A copy of my Federal Trade Commission ( FTC ) Identity Theft Report.

Legal Basis for the Request : Under FCRA Section 605B, credit reporting agencies are required to block the reporting of any information resulting from identity theft within four ( 4 ) business days of receiving the consumers dispute and supporting documentation. Furthermore, under 15 USC 1681c-2 ( a ), credit reporting agencies must ensure that such information is excluded from the consumers credit report and that creditors or furnishers of the fraudulent accounts are informed of the block.

If additional information or actions are required on my part to facilitate the resolution of this matter, please notify me immediately. 

Thank you for your prompt attention to this serious issue. 

Sincerely, XXXX XXXX
Product: Credit card

I have not used my capital one credit card since XXXX XX/XX/year>. I was given a payment plan to catch up payments. Abused by payment plan and decreased my balance from over {$2000.00} to {$1800.00}. My payments have been higher than the reports interest via statement and no purchases. Capital One out sources their customer service and they can not give me an answer and then hang up. For example I made a payment of {$67.00} and was charged {$47.00} in interest and my balance increase to over {$67.00}. XXXX will not decrease in the months that my hardship payment arrangement ended. I had a second card and was not given the same opportunity to be on the hardship arrangement and they will not reinstatement my card.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, Experian or XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Dear EXPERIAN THIS REQUEST WAS NOT MADE IN ERROR. 
In accordance with fair credit reporting act everything has to be 100 % accurate on credit report. EXPERIAN stated my account was properly investigated, but how is that possible if the payment dates is inaccurate, last active is inaccurate and date last reported is not accurate and late payment dates are inaccurate. This is grounds for removal also violates my rights under 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions, also the credit agency took more than 30 days to complete investigation.

15 USC 1681-2 This account should not be furnished on my consumer as it is in VIOLATION!!!!!!

15 USC 1681b permissible purposes of consumer reports ( A ) IN GENERAL subject to subsection ( c ) 2 any consumer reporting agency may furnish a consumer report under the following and circumstances and no other, ( 2 ) In accordance with 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 PROTECTED consumer.

Per 15 USC 1681 c-2 Block and remove Per 15 USC 1681 ( 2 ) this is fraud
Product: Money transfer, virtual currency, or money service

Re : paypal.meXXXX email : XXXX XXXX On XX/XX/2020, I attempted to purchase a XXXX XXXX XXXX XXXX XXXX, for my son from a company I found on-line. I had been looking for the XXXX set for some time and it was sold out every where. I immediately placed my order without vetting the webpage. I can not recall the name of the initial company from which I placed the order and normally I would have immediately received an email confirmation. In this case, I did not. On XX/XX/2020, I received an email from XXXX XXXX, which was definitely NOT the initial company that took my order ( See attached ). The order confirmation email listed USPS tracking number XXXX which has never been a valid tracking number according to the USPS. Further investigation revealed that the phone numbers are not real, that there are multiple company names associated with the biller, XXXX XXXX XXXX XXXX XXXX XXXX, such as XXXX and XXXX XXXX. All of these companies appear to be fraudulent and the web pages all go back to non-existent companies I have never received the XXXX set that I ordered. I have lost {$110.00} and I am unable to contact anyone at any of the three companies I am aware of to help me resolve this matter. 

I used Paypal because you have a good customer service reputation when handling fraudulent billing activities. I am rather disappointed and angry that in this case PayPal appears not only dis-interested in helping me resolve my dispute but also seems to believe that I am something other than a victim in this transaction. I made an honest effort to purchase a product on-line. I used your service to pay for it. I never received anything for my purchase from any of the three companies associated with the web address and email conformation. My money was stolen. I have reported all this to you and I expect you to do the right thing by refunding my money. Instead, I am told that my case has been closed because my transaction was not covered. This is a ridiculous assertion. Of course fraud was involved. I never authorized XXXX XXXX XXXX to bill anything to my account. Do you really think an interior construction company sells XXXX sets? This would be an easy dispute with any major credit card company. If i cant count on you to dispute this charge then why am I using PayPal?
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a XXXX XXXX XXXX XXXX Account without my knowledge of anything ( XX/XX/2022 ). They used my SSN, date of birth, and address, yet I did not receive anything in the mail. They paid XXXX and XXXX billing months, but missed XXXX and XXXX. There is {$1000.00} of credit due on my name. I finally noticed when my Credit Score took a major hit this month. XXXX XXXX marked the account as Fraud. I contacted Transunion, and filed a dispute. On the transunion site, my profile showed a phone number I did not recognize and my employer info was wrong. I was not notified when my details changed!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I have contacted the following companies from 2 different credit bureaus and they can not even find information on items that I have on my credit report. I would liked them removed as soon as possible. 

I have sent the dispute letters to XXXX  and XXXX  to have them removed and it has been over the standard time of 30 days with no reply. 

The items are ... ... 

1. XXXX XXXX XXXX - Amount of {$2600.00} 2. XXXX XXXX XXXX - Amount of {$1500.00} 3. I.C. Systems, INC - Amount of {$610.00}
Product: Debt collection

On my XXXX credit report the collection agency file a collection notice for medical bills that have nothing to do with me. When I contacted them they stated they have nothing in their system for me and that this is result of XXXX reporting this onto the wrong person and there is nothing they can do. I requested a letter from them stating the same but they stated there is nothing they can do for me. XXXX stated I must get a letter in order to properly remove the items in question.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX  - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

Bank of America downgraded my credit score with minimal warning. I argue that the minimal payment was being received by auto-draft for my monthly bill statement. Bank of America decided to downgrade my credit score because they increased my monthly bill obligation and I didn't know. I called Bank of America to explain that my account was set up on auto-draft and I was unaware of my monthly billing statement being increased and that they should on a one-time basis reverse the incredible hit to my credit score for this first infraction. They decreased my credit score by XXXX points. I do not miss payments!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed inaccurate information multiple times with all bureaus to get the same result the two bankruptcys on my report are totally inaccurate and need to be removed immediately.Where is this information being verified? Between all bureaus the information is different names and reporting dates .Being said this grounds for removal per FCRA! Please Remove immediately!
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, 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 letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX, XXXX  XXXX & XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( BlockKnc. ) ( 10 ) e to equato ) customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process 0:3 was untair and Veceptive, as they dild not " comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redresss for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with ONEMAIN. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and XXXX   and ONEMAIN with no successful resolution. There was definitely an error on their part.