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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear CFPB, I am writing to bring to your attention an ongoing issue regarding my credit report, specifically related to an account I had with XXXX XXXX XXXX, which is inaccurately reported by TransUnion.

I have received several stall letters from TransUnion concerning this account, and it has come to my attention that the information being reported does not align with the actual status of my account. Under the Fair Credit Reporting Act ( FCRA ), it is clear that reporting inaccurate information on a consumer 's credit report constitutes a violation.

I would like to emphasize that this account was never reported as a Collection or Charge Off ; rather, it was reported as current. Given these circumstances, I respectfully request that this account be removed from my consumer report to ensure compliance with the FCRA and to rectify this misinformation.

Thank you for your attention to this matter. I look forward to your prompt response.

Sincerely
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
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 XXXX  XXXX XXXX
Product: Debt or credit management

I enrolled XXXX accounts with XXXX Solutions in XXXX of XXXX. I received court summons from XXXX of these accounts as of XX/XX/XXXX, AFTER THEY HAD BEEN OUTLINED AS ALL FULLY DISPUTED. This resulted in me being responsible for {$17000.00} I will have to pay these creditors. I also have a XXXX account that was never disputed by XXXX and I will end up having to pay {$3000.00} to this creditor. They collected over {$7000.00} in monthly premiums from me over 17 months. XXXX claims that they will dispute credit accounts on your behalf in order for you to not have to pay the creditors the full amount owed. This is not true and misrepresentation of services. This is going to have to end up in me filing a civil law suit, due to the fact XXXX refuses to issue any sort of refund for misrepresenting services. I would not recommend any one to utilize this route for credit restoration.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft and data breach where my information was compromised and used without consent. I submitted the FTC report to Transunion and disputed the public record 3 times and they are saying its verified when it was filed as fraudulent and not my record. I contacted the courts and they responded that they do not report to the credit reporting agencies and they did not verify the information as you claimed. I will attach a copy to the report. XXXX has already investigated and removed the fraudulent report already. According to the fair credit reporting act 16 CFR 681.1 you are not following the proper protocol how are you reporting information that's not mine and the court didn't report it to you? Please remove this from my report as it is causing damage I did not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a letter with the letterhead of XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, IA XXXX. Letter states that I had applied to a Credit Card and states that I must call them to verify my identity. It also then states that this is about credit decision and consumer report. The letter asks that I contact Equifax. 
I never applied to a XXXX XXXX credit card. I believe this letter is a Fraud Letter to which I will not answer, nor will I call Equifax. 
I read on the internet that these letters are going out to people with an identical letterhead as that of XXXX XXXX. My concern is that whoever is doing this is obtaining my identity information and could be causing further damage to me and to others.
Product: Credit reporting or other personal consumer reports

Unrecognizable/Unathourised inquires and account on my consumer report as identified in my Identity Theft Report number XXXX filed with the Federal agency Federal Trade Commission XXXX FTC ) on XX/XX/XXXX, XXXX attached to this complaint. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed late payments on my XXXX account more than 3 times with Transunion. Transunion refuse to provide a proper investigation. Transunion keep sending me an UPDATED report with nothing updated. Ive requested Transunion send the accounting records of my XXXX report for me to examine the accuracy of the inaccurate late payments. Transunion has NOT provided me with my request. Transunion also have not updated the inaccurate late payments. Transunion is required by the FCR law to provide 100 % correct, and accurate information, but as failed to provide my request. This is a direct violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

There was a data beach and under 15 USC 1681 the right to privacy act my information was exposed
Product: Money transfer, virtual currency, or money service

The individual initially reached out to me through a random comment on a post I made on XX/XX/2021 through XXXX, there was a conversation how she was a XXXX XXXX looking to spoil a XXXX XXXX and enticed an initial payment for {$4000.00}, followed with a {$200.00} weekly allowance. It started off with small payments of under {$100.00}, two payments. Then the amount grew to {$450.00} and eventually {$950.00}. I stopped at {$450.00} as soon as I caught on. it started with XXXX fees, then attorney fees, then the account manager. I paid {$450.00} to them through XXXX using the Chase website. On XX/XX/2021, I have tried calling Chase to dispute the money transfer and transaction but the representatives over the phone were rude and did not help at all.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I advise this company I do not owe this money. I also told them to stop calling, which they do not do.
Product: Credit card or prepaid card

My personal information was compromised. On XXXX I was notified by Wells Fargo XXXX XXXX that my credit card was charged {$7500.00} on a website called " XXXX. '' I was also told that my home address was changed and a new card was being sent to the new address on file. I have cancelled the card and Wells Fargo has flagged the card and account as fraud. 
I live in XXXX XXXX, Nevada and the person who committed the fraudulent charges lives in XXXX, New York. 
Through my own due diligence, I was able to obtain the persons name, address, time-line they change my personal info to theirs, their shipping address for the product, as well as getting the order number for the fraudulent purchase. 

Time-line : XXXX ( XXXX local XXXX ) XXXX called Wells Fargo with my information and changed my home address to theirs in NY. 
XXXX ordered XXXX item on XXXX website totaling {$7500.00} [ order number : XXXX ] XXXX was called by Wells Fargo Fraud department on possible fraudulent activity on my card. 
XXXX was flagged, cancelled, and was notified of change of address using my personal information and my moms maiden name. 
I was able to obtain the perpetrator information by gathering information from Wells Fargo, Loss Prevention/fraud with XXXX, and contacting XXXX for delivery information. 
Already contacted NY state police near XXXX, NY and was told to contact and file report with my local XXXX XXXX XXXX XXXX  ( XXXX  ). Have not filed police report yet, as I spoke with XXXX and must come in person to file. 
I strongly believe this fraud was done internally within Wells Fargo. They only changed my home address for one credit card and didn't access my checking/savings account, nor the other two credit cards I had.
Product: Debt collection

I am trying to get an item removed from my credit reports. XXXX claims that on XX/XX/XXXX, i had a computer delivered to XXXX XXXX XXXX XXXX XXXX.I disputed this immediately upon receiving a bill from XXXX in XX/XX/XXXX. I have since then, sent them, and their collection agency numerous letters, requesting they investigate my claim that I never ordered, or received a computer from XXXX. XXXX has written it off on XX/XX/XXXX, they did this after i sent a request to validate and show that I ever even ordered the computer. I was not even living at the XXXX XXXX XXXX address at this time. The property was vacant. I was in the midst of a divorce, and the property was vacated months earlier by both my wife and I. I sent XXXX, and their collection agency proof that I had moved to XXXX XXXX XXXX XXXX PA XXXX. I still reside at that address. At their request, I sent them a police report that indicated Fraud/Identity Theft. They said that wasn't proof enough. I sent them proof that I had moved prior to the delivery of the computer, as well as a signed lease, an notarized Affidavit of Identity Theft, utility bills, and a copy of the change of address forms. That still wasn't sufficient. They said it didn't prove I didn't order the computer. I asked for proof that the computer was ever even delivered to that address, they couldn't provide me the carrier who delivered it, a signature that it was delivered, or even an old tracking number. They did not say they didn't have it, just that they would not share it with me. So at this point, what should be my next step? I've given them everything they asked for, and more. How do I prove I never received something? The amount in collection is {$750.00} XXXX XXXX XXXX XXXX of SS # XXXX. XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX XXXX Thank you
Product: Debt collection

I was first contacted by Pinnacle Asset Management ( PAM, LLC ) on XXXX XXXX, XXXX. The guy ( XXXX XXXX ) told me that I had a online loan of {$150.00} from XXXX that I owed for and since it had been so long, with late fees, etc. the amount I owed was nearly {$400.00}. He told me it was scheduled to go to court in XXXX XXXX ( the county I lived in at the time ) on XXXX/XXXX/XXXX. He told me if I made a payment immediately he could settle for {$270.00}. I told him I did not get paid until Friday but then I could pay it. He told me I had to go ahead and give my debit card info and he would run the card on Friday and if I did not do it then it would go to court the next day and my wages would be garnished. I asked him how did I know he was who he said he was. He got really defensive with me about it. I ended up giving him a card number from my XXXX XXXX card. After we got off the phone, I called the original collection agency who had the account and they said it sounded like a scam to them. At that time, I cancelled my card immediately. This is wrong to scare people into paying something that could or could not be legit. He scared me so bad I was willing to not pay other bills I owe to pay this and keep from going to court or getting my wages garnished. I went to XXXX to check the number he called from and got information that this is a mobile phone with XXXX. When I asked him why he was calling from a cell phone he told me he was not. This business is lying to people and misrepresenting themselves!!! I almost felt like it was personal with this guy that he punish me for my XXXX debt that I am not even sure still exists. I am still looking into it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed the accounts XXXX XXXX and XXXX XXXX XXXX with Transunion. Transunion verified these accounts as accurate. I requested a description of the procedure used to verify these accounts. As of XX/XX/2022 I have not received that information. Transunion opened up another dispute that I did not ask for. Transunion has violated my consumer rights by not sending the requested information. Transunion has violated 1681i ( 6 ) ( B ) ( iii ).
Product: Credit card or prepaid card

Re : Accounting Ending XXXX ; Case # XXXX 1. Letter dated XX/XX/XXXX from Capital One ( CO ) regarding an alleged account ending in XXXX, CO stated my account was past due. See Attachment XXXX ( 2 MB ) for details. 
2. Letter dated XX/XX/XXXX I requested specific account information, e.g., account statement, specific charges, total amount owed, from CO. See Attachment XXXX ( 2 MB ) for details. 
3. Letter dated XX/XX/XXXX from CO in response to my letter dated XX/XX/XXXX. See Attachment XXXX   ( 2 MB ) for details. 
4. Letter dated XX/XX/XXXX I requested a second time for specific account information, e.g., account statement, specific charges, total amount owed, from CO. See Attachment XXXX ( 2 MB ) for details. 
5. Letter dated XX/XX/XXXX from CO in response to my letter dated XX/XX/XXXX. See Attachment XXXX   ( 2 MB ) for details. 
6. To date, CO has yet to provide any requested information for account ending in XXXX.
Product: Debt collection

This debt company responded stating that they sent correspondence on X/X/17. I had already relocated to another address and therefore did not know nor receive a notice from them ... {$6000.00}. I informed them that I had moved but they are refusing accept the proof I am providing showing I was living at an another address. Please investigate this company as they are making a false statement re : being notified. I will be providing the rental agreement again showing date of execution of move.
Product: Credit card or prepaid card

On XXXX, I closed my account with indigo financial ( Genesis FS Card Services ) with a XXXX dollar balance. 

In XX/XX/2022 I receive a notice that I had a balance on the card. I contacted them about the balance and found it was for unpaid interest charges On XXXX, I spoke with Indigo about my card because I yet again receive a notice that there is a balance. The balance is for XXXX XXXX XXXX on a closed card with XXXX balance. They also had charged interest. They acknowledge my card was closed on XXXX. They are blaming the XXXX XXXX XXXX however didnt understand why the card was still allowing charges after being closed. 

At no point did any agent Ive spoke to have any empathy or concern that the company had done something that is illegal. 

I fear this is not the last time I will have this issue with Indigo. Unless action is taken by a governing agency.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and disappointment regarding the ongoing issue with the late opening of my accounts, as well as the presence of late closures and charge-offs on my records, despite multiple attempts to rectify these errors. 

Despite my previous communications with your company, wherein I detailed the discrepancies in my account records, I am disheartened to report that the issue remains unresolved after this attempts. 

I must emphasize the urgency of addressing these issues promptly and effectively. Therefore, I request the following actions to be taken : Immediate correction of the late opening of my accounts, ensuring that they are accurately reflected with the appropriate opening dates. 
Thorough review and removal of any late closures and charge-offs that are inaccurately attributed to my accounts. 
An explanation of the root causes behind these persistent errors and a commitment to implementing measures to prevent similar occurrences in the future. 
Compensation for any damages, losses, or inconvenience caused by the late opening of my accounts and the presence of inaccurate late closures and charge-offs on my records. With this, I am asking for your assistance to remove the charge off and correct these late open accounts in my credit file : XXXX. XXXX XXXX XXXX Balance : {$1200.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 

XXXX. XXXX XXXX XXXX  XXXX Balance : {$35000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX. XXXX XXXX XXXX Balance : {$56.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX. XXXX XXXX  XXXX Balance : {$16000.00} - The payment history and status is inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX. XXXX XXXX XXXX : {$7900.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution at Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I have a loan through Security Financial in XXXX Alabama. I have defaulted in the payments but they have. Even harassing people that I DID NOT put on my contact list. They contacted my fience and told him I used him as a contact ( which I did not ) and that he needed to tell me that I must contact them that they were going to take legal action. They should not be able to tell people my business let alone XXXX  my name and locate people I know. They also contacted my daughters boyfriends sister and told her that again I used her as a reference ( which I did not because I do not really know her ) and that she needed to tell me to contact them. They are harassing everyone. I owe {$590.00}
Product: Debt collection

Experian reinserted XXXX XXXX XXXX XXXX {$5800.00} and XXXX XXXX XXXX  {$490.00} without giving me a 5-day notice which is required by the FCRA. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. 

Both of these accounts were blocked on my credit file and I also sent my FTC Report Information XXXX several times so Experian is aware of my Identity Theft issues. 

There is also 10 inquiries that were deleted and re inserted