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

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, U.S. Department of Education Account # XXXX, Account # XXXX, Account # XXXX, XXXXXXXX XXXX XXXX XXXX  Account # 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

While reviewing my Experian credit report, I noticed that an account was added twice to my report. Both accounts have different balances. This is an error. I am requesting for both of these accounts to removed immediately. As you are already aware, under the FCRA, consumers are entitled by law to an accurate, fair, and private credit report. This creditor has violated all three by adding these accounts to my report. As a result, my credit scores are reflecting this erroneous information. So again, I am requesting for BOTH of these errors to be promptly removed from my report. 

Thanks. 

XXXXXXXX XXXX XXXX shows a balance of {$2900.00} XXXX XXXX XXXX shows a balance of {$0.00} Both accounts share the same account number ( XXXX )
Product: Credit card or prepaid card

Earlier this year ( maybe XX/XX/2022 ) I received a Cash App Debit Visa card with my name, a debit card number, a CVV number and an expiration date. I called the company and advised that I did not open this account nor did I apply for this card. The Cash App representative confirmed that the did use my actual address but provided a different email address. The Cash App representative send me an email requesting the following information : " From : Cash Support XXXX Date : XX/XX/2022 at XXXX XXXX  XXXX To : XXXX Subject : Inbound Voice General Questions [ XXXX XXXX XXXX XXXX XXXX  ] Hi XXXX XXXX Thank you for letting us know you received a Cash Card that you did not order. 

In order to disable the card, we need the following : 1. Your Full Legal Name ( first and last ) 2. The name listed on the Cash Card you received 3. Has anyone previously lived at this address?

4. Please use this link to securely share the front and back images of the card : https : XXXX. 

We will use this information to disable it. 

ref : XXXX : ref '' I hope the individual I spoke with was actually a true representative of the company because I did provide the answers to the aforementioned email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed this account with the credit bureaus with no change in the balances over the past 3 months. Most recently XXXX XXXX company ( XX/XX/13, XXXX ) to discuss information on credit report that hasn't been updated in months. Rep stated that the account information was reported on the XXXX of XXXX. As called to check the status of a name change that I submitted via fax XXXX which still hasn't been processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XX/XX/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 I XXXX
Product: Checking or savings account

They responded to me twice through email and claimed my previous employer from XXXX accessed my retirement account and withdrew exactly {$430.00} on XX/XX/XXXX between XXXX-XXXX. But I still have 2 of the emails, and maybe 15 text messages they sent me because I couldn't log in to my accoumt because they were updated ing their systems. When I finally got back onto my retirement account with WELLS FARGO BANK. My money was gone, and my account was unavailable. I can't even log into the website anymore because of whatever they did. This all happened XX/XX/XXXX. I put the XXXX early.
Product: Debt collection

On XXXX XXXX, 2011, I was arrested by XXXX XXXX XXXX District Attorney 's Bureau of Investigation. Before booking me at the XXXX at the XXXX, booking number XXXX, I was taken to the XXXX hospital to be check out. Why that was done I do not known? But since I was in handcuffs, I had no say so in the matter. All so, I would like to point out that at the time, I had my own Doctor. His name was XXXX XXXX XXXX located in XXXX, ca. Since 2011, I have tried to resolve this issue with CMRE Collections but to no avail.I have letters and information verifying everything I had said. In fact, I sent CMRE collections a letter showing that I was in police custody at the time.
Product: Checking or savings account

Hello I am making a complaint against Chime bank. There were a few unauthorized transactions occurred on my account. On Saturday XX/XX/2022 at XXXX XXXX  a unauthorized transaction occurred that was {$210.00} from XXXX and another one at XXXX XXXX  for {$210.00}. At XXXX XXXX  I received an email saying my debit card was declined at XXXX for {$210.00} because I have disabled international transactions and still was charged. I was asleep during this time, I called Chime multiple times and they said it had to wait until it wasn't pending anymore and I waited. Once it settled I called back and filed a dispute on XX/XX/XXXX. They gave me provisional credit of only {$210.00} on XX/XX/2022. XX/XX/XXXX, they send me an email saying they concluded no error occurred and provisional credit will be reversed and the claim is closed. I called and talked to a manager of chime and they told me I could rebuttal and reopen the claim because on the transactions it says XXXX XXXX and I live in the United States. Thats a whole different country where the transaction was made. The lady told me to email them the proof I was in the US and I did and told me it would take a few days to review the claim again. An hour lady I receive an email stating no error has occurred and claim is closed. I called back and talked to a different manager and told them what had happened and how did they review it so fast when the lady told me it would take a few days. It's like they never reviewed it. She then tells me that I need to call the company and ask for the money back but I told her I never made the transactions so why would I need to call them? I asked them to call them and they refused. They sent me documents of why the claim was closed. It says were there any personal belongings stolen? and it says wallet. I never told them my wallet was stolen. It was still in my possession and my pin is not in my wallet as well. My pin is memorized in my head. I will attach all documents and hope you guys will be able to help me out! 
Theres still another claim going on with them that is pending but I called for that one sooner then this one and it happened the same day. 
One transaction is for {$110.00} by XXXX from XXXX XXXX and I live in the United States. Another one for {$210.00} from XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX  and again I live in the United States. How did the one I filed after this get closed sooner? I couldn't file them together because the guy said the transactions had to settle first. 


You can email me back at XXXX or call at XXXX My name is XXXX XXXX
Product: Debt collection

After reviewing my credit file on XX/XX/, I identified a discrepancy with account listed under Lanier Collection Agency and Services , Inc. I requested validation on XXXX  as this was not an account that I recognized. On XXXX they responded with a copy of the debt that I don't recognize without any validation. I reviewed my credit file again on XXXX  and this account continues to reflect on my credit report. On XX/XX/, I sent out a 2nd validation request letter. I have not received any response and as of today XX/XX/, this account is still being reflected on my credit report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Payday loan, title loan, or personal loan

The debit card that on file was stolen and by the time i got it fixed the account went into collections. Tried to fix it but the people told me i was no longer able to do business with them anymore XXXX for XXXX
Product: Credit reporting or other personal consumer reports

am exercising my right under the FCRA ( 15 U.S.C. 1692c ( c ) ) to request that XXXX cease and desist from communicating with any non-affiliated third-parties regarding my credit information. This cease and desist order is effective immediately upon receipt of this notice. 

Additionally, in accordance with the XXXX XXXX XXXX XXXX XXXX XXXX, I am providing the following XXXX XXXX Compliance Codes to assist with the removal of the disputed accounts : Account Status Code : [ XXXX XXXX Account Status Code ] { XXXX } Payment Rating : [ XXXX XXXX Payment Rating ] { XXXX } Special Comment Code : [ XXXX XXXX Special Comment Code ] I expect XXXX and XXXX also Equifax! to comply with the FCRA and take appropriate action to correct these inaccuracies promptly. Failure to do so may result in legal action and penalties as outlined in the FCRA, including but not limited to statutory damages. 
am writing to express my deep concerns regarding the credit report provided by XXXX, which contains false and inaccurate information. This information violates the Fair Credit Reporting Act ( FCRA ), and I request a thorough reinvestigation of these matters. I would like to highlight that XXXX did not provide any method of verification when this information was initially reported. 

Specifically, the following accounts on my credit report are disputed due to being false and inaccurate : Account Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Inaccurate Information : [ XXXX XXXX XXXX XXXX, Number of Times its Listed as Collection and Shows as Charged off ] [ XXXX XXXX, Account Number XXXX XXXX XXXX XXXX : [ Shows as a Collection XXXX XXXX, Collection amount and Dates I believe that the reporting of this information by XXXX has violated the FCRA in the following ways : Failure to Provide a Method of Verification : Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX or XXXX and Equifax did not provide a method of verification for these disputed accounts when initially reporting them. 
False and Inaccurate Information : The information reported is false and inaccurate, which is a violation of 15 U.S.C. 1681e ( b ) that requires credit reporting agencies to ensure the maximum possible accuracy of the information contained in consumers ' credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against TransUnion, a nationwide credit reporting agency, for their severe violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and California Consumer Law. I seek validation of the disputed items on my credit report, not mere verification, and TransUnion 's response dated XX/XX/2023, has failed to address this request appropriately, resulting in significant financial and emotional harm. 

In their response letter, TransUnion acknowledged my dispute and emphasized their commitment to ensuring an accurate credit report. However, their response solely focuses on verification actions, rather than providing the validation I requested. I must emphasize that verification and validation are distinct processes, each with specific legal obligations under the FCRA, FDCPA, and California Consumer Law. 

The FCRA, in 611 ( a ) ( 1 ) ( A ), grants consumers the right to dispute any information they believe to be inaccurate or incomplete. Upon receipt of such dispute, credit reporting agencies like TransUnion are obligated to conduct a reasonable investigation, as stated in 611 ( a ) ( 1 ) ( B ), to determine the accuracy of the disputed information. Furthermore, 611 ( a ) ( 1 ) ( A ) allows consumers to request " verification '' of the debt, while California Consumer Law recognizes the right to request " validation '' of the debt. 

Validation, as defined by California Civil Code 1788.50 ( g ), requires the debt collector or credit reporting agency to provide the consumer with specific information about the debt, including the nature and amount of the debt, the name of the original creditor, and verification that the consumer is responsible for the debt. 

Despite this distinction, TransUnion 's response solely addresses verification actions and neglects to provide the necessary validation I requested. This failure to adhere to my request for validation is a clear violation of my rights under the FCRA, FDCPA, and California Consumer Law. 

Moreover, the response letter lacks transparency and fails to provide adequate details regarding the investigation conducted. The vague and ambiguous statements from TransUnion deny me the opportunity to assess the accuracy and completeness of their investigation, further undermining my rights as a consumer. 

As a direct consequence of TransUnion 's violations, I have suffered substantial financial and emotional harm. The inaccurate reporting has unjustly denied me credit opportunities, resulting in adverse effects on my financial standing and overall lifestyle, as previously explained in my dispute to XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # XXXX I am writing to formally dispute the inaccurate information reported by XXXX XXXX XXXX on my credit reports with Experian and XXXX XXXX The discrepancies in the reported data, as well as the unauthorized reporting of the account as a collection charge-off, indicate a violation of my privacy rights and other applicable laws. I request an immediate investigation, removal of the account, and compensation for the damages caused by these inaccuracies. 

Inaccuracies Identified 1. High Credit : Experian : {$29000.00} XXXX : {$9500.00} XXXX. Account XXXX : Both Experian and XXXX show the account as Collections Charge-off, which constitutes a breach of privacy and a violation of my rights, as the account status was not properly communicated or authorized. 
XXXX. Last Reported Date : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Account Comments : Both bureaus indicate Charged Off Account and Account Transferred Or Sold, which is inaccurate and misleading. 
XXXX. Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Violations and Impact The inconsistencies in high credit, account status, last reported date, date last active, and date of last payment across Experian and XXXX indicate severe inaccuracies. The unauthorized reporting of the account as a collection charge-off is a breach of privacy and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. This inaccurate and unauthorized reporting has caused significant harm to my credit profile and potential emotional distress. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this requirement. 
2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Requires that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Right to Privacy : The unauthorized reporting of my account status as Collections Charge-off without proper communication or authorization constitutes a breach of my privacy rights.
Product: Debt collection

XXXX XXXX in XXXX, TN to s attempting to collect and is reporting a collections account on my credit reporting agencies for {$280.00} to the original bill owner - XXXX. 

I paid XXXX on X/XX/15 and provided the date and check number to XXXX. They claimed thats not enough. 

I need this removed from my credit as its damaging my credit not allowing me to reach XXXX for the ability to rent an apt . 

So, I contacted them again and requested that if I pay them the money again will they please delete the reporting. 

I received in writing that they will not remove the reporting from my credit - they will just change the status. 

This is absolutely ridiculous as they are attempting to collect a debt that doesnt exist AND further are not willing to work with me to correct my credit. 

Please help. 

XXXX XXXX XXXX Cell : XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon looking at my consumer reports I have some inquiries not authorized! Transunion has failed to remove them. I have attached a FTC report and these inquires need to be removed at once!!! How are you a XXXX dollar company and you dont have a fax number so that I can send the FTC report to. Such a lousy company! Remove these inquires immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( XXXX ). 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, there dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these situations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I contacted TransUnion over the phone, to know why they are ignoring my dispute letters even when they've received my letter. 
The agent who answered the phone after verifying my identity told me, there isn't any dispute in their system. He asked me if he can process those over the phone for me. I told him I don't want to dispute over the phone, I mentioned to him I have a tracking # which is proof that they received my letter back XX/XX/XXXX. My call was to find out why they aren't processing my request, he said was nothing in their system showing they got the letter, he running the tracking # on USPS website. he noticed I was correct and he transferred me over to a higher department. I spoke to XXXX XXXX ( supervisor ) verified my identity over the phone again and then I explained her my concern, she told me the same thing. I told her I have proof, a tracking number that proof they received on XX/XX/XXXX. She put me on hold to research, after few minutes she told me they had received it and they processed my request on XXXX XXXX which I responded by asking her why I haven't been notified, I also asked why my credit report does not show any type of confirmation that they were working on my dispute or investigation, she told me they never placed any update on the credit report they only sent a copy of my credit report. 
I requested them on my letter to validate the information or provide contact information for the person who reported it along with details regarding how they validated it. I don't understand why they are ignoring my disputes, I am paying a credit monitor program which allows me to see any changes, the other 2 credit bureaus are reporting updates, and even investigation regarding my dispute, Trans Union is not doing that. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. It's been over 50 days already and they haven't responded and they don't have any answers to my questions. why my disputes has not been processed. The call has been monitored for security purposes. I want to request them to provide our recording to you, that way you guys can understand my frustration they are wasting customer 's time and credit report, lying is not ethical for a credit bureaus. If they really process my disputes there should be a notes on the system and their employees will be able to access all notes and investigation process on my credit and provide me with an answer since the beginning, they make me feel they're either lying to me or they don't anything about credit disputes.
Product: Credit reporting, credit repair services, 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 Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX  Account XXXX has violated my rights. Or 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.