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

Your company is reporting the below referenced account on my credit report as a collection account. The CFPB has filled sued for shame investigations. 

I have disputed this item with the credit reporting agency and had no resolution. They are reporting a " confirmed '' account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. These accounts do not belong to me. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


Transunion Account : 1. XXXX XXXX XXXX account number : XXXX balance : {$190.00} 2. XXXX XXXX account number : XXXX balance : {$180.00} Equifax Account : 1. XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance : {$180.00} 2. XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance : {$190.00} Inquiries : XX/XX/year> IXXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX
Product: Credit card or prepaid card

I have Complaint Number XXXX against Bank of America, now has their denied as : When a transaction is made in person, the consumer has the opportunity at that time to inspect or reject the merchandise. If the merchandise is later found to be unsatisfactory, defective, or incomplete, credit is at the merchant 's discretion. Without a credit slip, we're unable to assist you further. 
When a company try to scam you, there's no way we a senior consumer will aware and know we have to inspect before we left, also the tour 's guide rushing us back to bus and left immediately. 
XX/XX/2018 I also try to contact merchant again but fail. Please see all attach as ref. 
When I get fails for reply, I even try to give merchant XXXX email than XXXX, maybe XXXX has no XXXX. But I am unable to get hold with merchant, and BOA can not use this to against me and force transaction go through to get me as victim for this sales.
Product: Money transfer, virtual currency, or money service

A popup came up on the computer stating : Warning!! Your computer has been hacked, they can hear all of your conversations on your cell phone, your account has been hacked into for {$18000.00} you are being charged with XXXX  XXXX XXXX, contact this number to resolve the incident. 
I called the number on the screen but didn't make record of it. The representative, XXXX XXXX, with XXXX Fraud Badge ID # XXXX XXXX ran a scan on my computer and said I was involved in a scheme and needed to talk to a fraud representative from XXXX XXXX  and transferred me to her. Her name is XXXX and her number is XXXX. She told me she's going to initiate a method to clear my name find and arrest the culprit that instigated the hacking of the computer and the account. That I needed to wire {$18000.00} for them to track and find the hackers. I was told to keep this secret in order to clear my name and not to tell anyone, especially at the bank. 
I went to my local XXXX XXXX  branch and wired the {$18000.00} to the account they gave me described in the original complaint. They claimed they would use the funds to track the criminals and then deposit the funds back into my account when completed, supposed to be Tuesday evening the XXXX. 
XXXX called again today trying to get more time, which leads us to believe they don't have the funds yet. We contacted XXXX XXXX  Fraud department and the Wells Fargo Branch the wire went to this morning. I went to the XXXX Police department and filed a police report. Case XXXX XXXX  XXXX I contacted XXXX XXXX at the Wells Fargo Branch in XXXX, CA. XXXX XXXX XXXX, the fake Fraud XXXX XXXX  XXXX also gave us another bank account to use : XXXX XXXX  Acct # XXXX Routing # XXXX But no funds were wired to that account. The account holder is also XXXX XXXX XXXX XXXX XXXX. 

Transaction Type : XXXX If other, please specify : Transaction Amount : XXXX Transaction Date : XX/XX/2022 Was the money sent? 
Yes Victim Bank Name : XXXX XXXX  Victim Bank Address : XXXX XXXX XXXX XXXX XXXX Bank Address ( continued ) : Victim Bank XXXX Stop : Victim Bank City : XXXX Victim Bank XXXX XXXX United States of America XXXX Bank XXXX XXXX Kansas Victim Bank XXXX XXXX : XXXX Victim Name on Account : XXXX XXXX XXXX XXXX XXXX Bank Name : Wells Fargo Recipient Bank XXXX XXXX XXXX XXXX XXXX XXXX Recipient Bank Address ( continued ) : Recipient Bank Suite/Mail Stop : Recipient Bank City : XXXX Recipient Bank Country : United States of America Recipient Bank XXXX XXXX California Recipient Bank XXXX XXXX : XXXX Recipient Name on Account : XXXX XXXX XXXX, XXXX. 
Recipient Bank XXXX XXXX : XXXX Recipient Account Number : XXXX
Product: Debt collection

Jefferson capital is herrassing me. I told to stop calling and I am contacting an attorney. They continue to herrass me with calls that I keep blocking and letters. They opened an account on my credit report without my knowledge or permission. I feel they are stealing my identity as I am already a victim of identity theft in the past. I was not aware they were allowed to open an account under my name without permission.
Product: Debt collection

They allowed someone named XXXX XXXX to utilize my stolen identity
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan of {$500.00} on XX/XX/year> from Uprova Credit LLC. to help pay rent. My loan was approved with an APR of 547.87 %. I made a payment of {$150.00} but quickly realized the interest of the loan was far too high to reasonably pay off.
Product: Bank account or service

Went to local ATM with teller assist in XXXX, MD to cash check and deposit cash on XXXX/XXXX/2016. ATM with Teller assist not working. Due to long lines could not wait had to go to work XXXX XXXX XXXX. Got OD charges because deposit not made by certain time on XXXX/XXXX/2016. XXXX OD charges {$35.00} each. 
Requested refund due to ATM with Teller assist not working. Customer service Rep XXXX on XXXX/XXXX/2016 at XXXX advised : 1 ) Why did I not deposit previous day ( because payday was XXXX ) 2 ) Why not use mobile App to make deposit ( because I ca n't cash check with mobile app AND I do n't have mobile app ) 3 ) Several other ATM 's within driving distance ( Went to ATM close to home and job and within my available time ) This customer service representative was argumentative and confrontational in their words and position taken with a polite voice. 
This customer service rep represented the Bank as if the Bank 's broken ATM/Teller Assist functionality is not the Bank 's problem, is not the bank 's responsibility and will not address any problems caused to the consumer as a result of such broken equipment. I disagree. 
This Bank a XXXX dollar Bank, should take responsibility for broken equipment and should reverse fees caused if they resulted from a consumer 's good faith attempt to use the bank 's services that they expected to be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

FLAGSHIP ACCEPTANCE XXXX XXXX XXXX XXXX,TX XXXX

XX/XX/XXXX 

Re: Unauthorized Credit Inquiry
Product: Debt collection

XXXX XXXX XXXX XXXX calls me at least 5 days a week. XXXX called on XX/XX/19, XX/XX/19, XX/XX/19, and I believe also XX/XX/19. 
I have told them repeatedly to quit calling and to use the postal mail service for any business they have with me. They just keep calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, LA XXXX Dispute this XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  : XXXX XXXX  XXXX XXXX : XXXX Previous address XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, LA XXXX Dispute this Previous address XXXX  XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of these following inquiries. they were not made by me. I have reached out to these creditors and haven't gotten any results. The names of the following inquiries are XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed violate my privacy rights. I did not consent nor authorize for the accounts to be reported on my credit reports. 

Account XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XXXX my XXXX had a XXXX error I couldn't get off so I called the number I talked to a XXXX XXXX he convinced me that my bank account had been compromised. Even the fraud protection number on the back of my credit card sounded like our bank or I never would have believed them. He convinced me that I needed to move money into a fake account It was {$49000.00}. I reported it right afterwards. But because it was a wire I probably won't get it back. A awful lesson to have to learn
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX denied me employment without providing clear information as to what was the reason for the denial. I have already sent the updated court records to HireRight and XXXX and they were reluctant to update them. 
My Criminal Court case has been dismissed and sealed as I was found not guilty. I notified XXXX and HireRight right away and yet they still decided to deny to employment because of a crime that I did not commit
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ON XX/XX/2024, I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET I FEEL LIKE I'M BEING TAKEN ADVANTAGE OF AND BEING IGNORED FOR MY DISPUTES AND CONCERNS SECTION 611 ( A ) IT IS PLAINLY STATES THAT A FAILURE TO INVESTIGATE THESE ITEMS WITHIN 30 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THOSE ITEMS FROM MY CREDIT REPORT. IT HAS BEEN OVER 60 DAYS SO THEY SHOULD BE DELETED PROMPTLY I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU CAUSED MY. MY INFORMATION WAS ALSO IMPACTED BY THE XXXX DATA BREACH AND MAY HAVE GOTTEN INTO THE HANDS OF THE WRONG PERSON.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my dissatisfaction and concern regarding the recent attempt to rectify the late open accounts associated with my account with Credit Bureaus. This is the second time I am addressing this issue, and I am disappointed that the problem remains unresolved. 

I initially contacted your company to report several discrepancies in my account statement. These discrepancies primarily revolved around accounts that were inaccurately marked as late, despite my consistent and timely payments. After a lengthy exchange of emails and phone calls with your customer service department, I was assured that the matter would be investigated, and the inaccuracies would be corrected promptly. 

Unfortunately, despite the assurances I received during our previous correspondence, I find myself in a similar situation. My most recent account statement, continues to show late open accounts that have not been rectified. This is not only frustrating but also damaging to my credit score and overall financial well-being. 

I have attached copies of my previous correspondences with your company, as well as the account statements that clearly demonstrate the ongoing issue. It is essential to reiterate that these discrepancies are not a result of any negligence on my part, but rather an error on the part of your company 's accounting department. 

I request that you take immediate action to investigate and correct the inaccuracies in my account statement. I understand that errors can occur, but it is crucial that they are rectified promptly and effectively to ensure the accuracy of my financial records and the integrity of my credit report. Additionally, I kindly request that you provide me with a written confirmation once the corrections have been made. 

Furthermore, I would appreciate an explanation of the steps your company is taking to prevent such errors from occurring in the future. Timely and accurate account statements are vital for maintaining customer trust and satisfaction. 

If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. 

I look forward to your immediate attention to this matter and a swift resolution. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX  XXXX Balance : {$35000.00}.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever tXXXX XXXX a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. I recently reviewed my consumer report and noticed an incorrect late paym ent record on my XXXX XXXX XXXX XXXX XXXX XXXX I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting 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 Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX  XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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

Discover was contacted to settle an account due to a life hardship. They agreed to settle the debt for less and provided the amount and payments to be made over a period of time. In the meantime, I was advised that my balance would be reflected as the amount settled and the payments would reduce the amount. Discover was contacted in XXXX for settlement a second time in mid XXXX to correct the reporting issue as it has been over 30 days which they advised would be the time needed to report to the credit bureaus. When I contacted them on XX/XX/2022 when the payment did not come out of the account I requested help to report payments being made and that the balance was incorrect. 
At this time the representative advised me that Discover will not report payments made and that the balance reduction would be for the full amount. This contradicts the agreement that was made and also does not show the monthly payments made. Discover in addition reports the account as a charge off with no payments being made monthly. This further harms my credit and ability to move forward with my need for credit. In addition they are reporting incorrect information. 
I have reached out to Discover and all credit bureaus with the information to be corrected.
Product: Credit reporting or other personal consumer reports

Dear Consumer, Financial Protection Bureau and Credit Reporting Agency, I am writing to formally file a complaint against Transunion concerning ongoing inaccuracies in my credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
On XX/XX/XXXX, I initiated a dispute regarding incorrect information related to 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. Despite providing supporting documentation that substantiated me claim, they would not remove the disputed entry. This decision raises concerns about the agencys adherence to its responsibilities under Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure the maximum possible accuracy of the information they provide.

In considering this situation, I would like to highlight the legal principle of estoppel. Estoppel prevents a party from asserting a claim or fact that is contrary to a position they have previously taken, particularly if this inconsistency would harm another party who has relied on the original position. In my case, I believe that the actions of Transunion may constitute a form of estoppel, as the agency 's initial acknowledgment of my dispute and the accuracy of my evidence should logically inform their subsequent actions regarding the accuracy of my credit report.

Moreover, I am concerned about my privacy rights under the Privacy Act of 1974, 5 U.S.C.

552a. The presence of inaccurate information in my credit report not only misrepresents my financial status but also jeopardizes my ability to secure loans or other financial services. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, may also be infringed, as misleading information could lead to negative repercussions in debt collection processes.

Despite my attempts to resolve this issue directly with Transunion through email and certified mail, my concerns remain unaddressed. I urge the CFPB to investigate this matter, ensuring that Transunion is held accountable for its obligations under the relevant statutes. 
Thank you for your attention to this complaint. I look forward to your response regarding the steps that can be taken to rectify this situation.
Product: Credit reporting or other personal consumer reports

My complaint is about the credit bureau Experian. I have recently noticed that I have been charged for a monthly subscription that I have never once agreed to. I have been using the app since XX/XX/XXXX as a means to check my credit score. Today, XX/XX/XXXX, I noticed a XXXX XXXX charge to Experian which led me to investigate. According to my bank it is for professional services. Further looking at my transaction history, I was also charged XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have not interacted nor agreed to buying any subscription or plan from Experian. I have not received any correspondence, from email or paper, that I have agreed to a membership fee. I am absolutely certain that this deceptive practice is not legal. In XXXX, the only thing I did with Experian was go to their office in XXXX XXXX to acquire a credit report for a background check. The clerk did not tell me I was being charged and all indications were that the credit report is free.
Product: Credit reporting or other personal consumer reports

XXXX does not seem to conduct investigations on my disputes. I have several predatory lenders who purchased loans from debtors in my name and one account that is charging me for a item I returned immediately upon receipt because the item was defective. There is also one item that shows up in two " Negative Item '' categories at the same time on my report. I spelled all of this out in my complaints and they seem to just contact to verify its me and then mark the item as remain or verified on their result to me. This should be illegal.