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

Transunion has violated many consumer laws. 
The first one being PERMISSIBLE PURPOSE TRANSUNION did not and do not have permissible purpose to post anything to my consumers credit report without my WRITTEN CONSENT. No consent is identity theft! 

TRANSUNION has also committed AGGRAVATED IDENTITY THEFT. TRANSUNION willingly and knowingly took information from a third party other than myself and reported to my consumers credit report. VIOLATION! THEFT! FRAUD! A CRIME! 

I have reached out VIA certified mail with return receipt numerous times to rest assure that TRANSUNION have received my demand to immediately remove XXXX XXXX XXXX and any other hard inquiries that is on my consumers credit report. Any hard inquiry thats on my consumers credit report and for every hard inquiry thats posted to my consumer credit report is {$1000.00} a piece for each party responsible! I am the original creditor and I am the only one who dictates what goes on my consumers credit report! 
TRANSUNION has also broken their own written policy rules! After 30 days, after their investigation I have not heard anything from TRANSUNION and from that point on everything that I demanded to be removed shall be removed. TRANSUNION failed to do so! 

TRANSUNION has also lowered my score XXXX points. Why did Transunion do that? Because youre taking information from someone other than myself, believing thats its accurate and report it without second thoughts. 

Another consumer law that XXXX has violated is Under 15 USC 1681 ( a ) 4- Accuracy and fairness of credit reporting ( 4 ) 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. 

TRANSUNION is a credit reporting agency right? So where is my privacy as a consumer? Again, I am the only one who dictates what goes on my consumers credit report. 

A copy of this will also be sent to the attorney general, TRANSUNION, XXXX and more! Everyone thats responsible for this FRAUD, THEFT, SCAM etc will be held accountable. 

TRANSUNION isnt the government. In fact, they are just a regular LLC. An LLC whos willing to commit numerous of crimes and break numerous of laws ( even their own ) just to become successful.
Product: Debt collection

Hi, i actually was just on the phone with the LVNV because I paid off this account and they stated that they will removed it, but I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. 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. 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 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

When I purchased a house in XX/XX/XXXX, someone was able to get my SS #, and opened a mobile XXXX XXXX XXXX account. They used a variation on my name, but my correct address for billing at some point in XX/XX/XXXX. The thief purchased a new phone and services, and racked up nearly {$1400.00} in debt. I only found out about it when XXXX XXXX XXXX sent the bill to collections, and then I was contacted in XXXX of this year ( XXXX ). 

After contacting them, I was sent a fraud packet, which I returned as requested, with a police report, forms of identification showing my legal name, copies of bills, and my actual XXXX XXXX XXXX bill ( I've had them for service for over a decade ). My request to decline the fraudulent bill was denied, and I was informed that I still was responsible for the money owed. 

When I challenged this ( XX/XX/XXXX ), I was told they would investigate it again, and XXXX weeks later ( XX/XX/XXXX ), XXXX XXXX XXXX sent me the exact same fraud packet, asking for the exact same information I'd already sent them, which will do nothing but put me through their same system again. At no point has anyone actually spoken to me, or compared the bills showing that I've been a customer in good standing for as long as I have. Nothing 'new ' can possibly come from sending them the same information again, and I have no intention of paying for a bill I did not accrue. 

Attempting to contact their fraud department via phone, leads to a message stating 'high call volume ' and to set up a report online ( which I did as well ), but at no point does it send you to an operator. The call then hangs up with no other recourse. Calling a line for 'assistance in setting up the online report ' does get a live operator, but they are unable to help in advancing any other information to 'powers that be '. 

To reiterate : I have been a customer in good standing for over a decade, and have not missed or been late on any payments in the same time. 
Someone else opened an account with a misspelling of my name. 
Attempted resolution of the debt has been declined for reasons not stated. 
Challenging this decision puts me back through the exact same process that has been denied already.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the 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 federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/ XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

since XXXX XXXX XXXX. My accounts have appeared on the XXXX web, data breaches XXXX XXXX XXXX, Experian,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 States I : It also states a consumer reporting can not furnish an account without my written instructions.
Product: Credit card

Seventh ave is trying to collect on a debt that belongs to my father with the same name it has been listing on my credit and destroying my credit rating.
Product: Credit reporting or other personal consumer reports

Hi, this is really worrying as there seems to be errors on your end as information that is not associated with me keeps appearing on my credit report. This is causing me undue stress and XXXX on how could this happen
Product: Credit card or prepaid card

I've been a Citibank cardholder for nearly 30 years. Over the years, I ended up accumulating multiple cards from Citibank. Recently, in an effort to reduce the number of accounts, I cancelled my cards with Citibank ( and other institutions ). I intended to keep one card open with Citibank, but unintentionally closed all of them. I recognized my error the same day I cancelled the accounts and reached out to Citibank to restore one of the cards.

This began a frustrating, burdensome, and unproductive process of frequently contacting Citibank - always getting an associate from overseas, who provide inconsistent and conflicting information, and who appear to have no information about my account. 

There has been ongoing concerns that Citigroup is too bid to manage, and my experience seems to validate this concern.
Product: Credit card or prepaid card

Within five days of purchase of a membership with XXXX XXXX XXXX on our Chase Credit Card ( JP Morgan ), we requested cancellation with XXXX, which we did not receive a timely response. This resulted in XXXXs contacting Chase Card Services to do the initial dispute of the charges. At that time SW Chase Card Services refunded the money. 

Then on we received an email on XX/XX/XXXX that the Merchant wanted to have a phone call to discussMonday XX/XX/XXXX we received a call from XXXX XXXX XXXX saying that they would like for us to remove the dispute from the SW Chase CC due to it negatively impacting them as a merchant and that they would execute the refund for us. So we decided to cancel the dispute and let the merchant credit us directly. Once we did that SW CC charge us for the initial charges. 

However, XXXX ( XXXX XXXX XXXX XXXX  ) has sent a letter stating that they did not receive the funds back from Chase Bank. Currently, Chase is stating that they did send the funds. 

Therefore, at this point in time, both banks are stating they do not have the funds ; yet Chase will not work with XXXX to discuss the matter and review the transactions. I am requesting that the Chase work with XXXX to discuss the transactions and resolve this matter. I have included below the contact information for XXXX members working this item. 

-XXXX  XXXXXXXX XXXX XXXX  XXXXOffice manager, Tel. XXXX Ext. XXXX XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX, Tel XXXX Ext.29 XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX , Tel. XXXX Ext.XXXX  XXXX XXXX
Product: Credit reporting

Please find attached a copy of the page of the lease that management and or other personnel at the apartments appear to have willfully and intentionally altered without our knowledge and approval therefore, I hereby request that the charge for rent for the month of XXXX, 2014 be removed from my XXXX credit report. 

Please find attached pictures of what appears to be management and or other personnel at the apartments. It appears as though management and or other personnel employed by the apartments allegedly took the photographs. The pictures appear to show management and or other apartment personnel in the process of I think willfully and intentionally vandalizing the carpet in the apartment that we rented and vacated from the apartments therefore, I hereby request that the charge for damage to the carpet in the apartment be removed from my XXXX credit report. 

I hereby request that the charge for rent for the month of XXXX, 2014 be removed from my XXXX credit report on the grounds that Resolve Partners, a collection agency, failed to vet this case properly according to the rules and regulations as outlined in the OBLIGATIONS OF FURNISHERS UNDER THE FCRA because the lease ended on XXXX XXXX, 2014 and XXXX XXXX, a realtor in the State of North Carolina and manager of the XXXX XXXX Apartments in XXXX, NC used a writing instrument to manually change the end date of the lease from XXXX/XXXX/2014 to XXXX/XXXX/2014 without my knowledge or permission. 

I hereby request that the charge for carpet damage be removed from my XXXX credit report on the grounds that Resolve Partners, a collection agency, failed to vet this case properly according to the rules and regulations as outlined in the OBLIGATIONS OF FURNISHERS UNDER THE FCRA because after vacating said apartment, I hired an apartment cleaning service to clean said apartment, and I hired a carpet cleaning service to clean said carpet. After management and maintenance personnel from the apartments examined and approved the condition of the carpet and cleanliness of said apartment, it appears as though management and or other personnel at the apartments intentionally forced a finger between the seams of the carpet and ripped the seams apart. The management and or other personnel then blamed me for ripping the carpet seams apart and billed me for the replacement of said carpet and violating the end date of said lease. 

I hereby request that the charge for rent for the month of XXXX, 2014 be removed from my XXXX credit report on the grounds that Resolve Partners, a collection agency, failed to vet this case properly according to the rules and regulations as outlined in t
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Cfpb, I noticed inquiries on my credit report that I am not familiar with. I was a victim of the XXXX inquiry issue. I spoke with XXXX and they are not helping at all. I know for a fact that no one has my SSN or personal information. I had over an XXXX credit score all my life and would like these inquiries removed since I do n't recognize them. 

Best Regards, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Bank 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 or credit management

I have been running a small acupuncture clinic for nearly XXXX years. 
After COVID, the buildings landlord changed, and since XXXX, I have faced severe mistreatment. In XXXX, the landlord failed to deposit our rent for over XXXX months and used this as an excuse to evict us. Despite never missing rent or CAM charges, they falsely demanded nearly {$20000.00} in additional CAM fees. They refused to negotiate and used this tactic to push all tenants out of the building. 

They took me to court, and I hired a lawyer. On XX/XX/XXXX, the judge reviewed my evidence and their illegal documents, leading to my victory in the first trial. However, they sued me again in XX/XX/XXXX. Due to financial constraints, I couldn't continue fighting and settled for {$30000.00}. I moved my business within XXXX weeks. 
Now, the landlord falsely claims the settlement amount is $ XXXX They did not submit the final settlement agreement to the court. I have already paid {$10000.00} since XX/XX/XXXX. 

They are using a third-party debt collection agency to harass my business, demanding an inflated amount with interest. I informed the agency that the matter is still under discussion, but they continue pressuring me.

I am not afraid of the debt going to collections, as I have no money. However, I am worried about the impact on my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX California [ XXXX ] XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Complaint and Cease and Desist Order XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account No. XXXX ), XXXX, XXXX, and TransUnion Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and issue a cease-and-desist order against XXXX  XXXX for multiple violations of federal laws and regulations, as well as against XXXX, XXXX, and TransUnion for their roles XXXX reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in XXXX XXXX reporting lies in their knowledge that the debt in question was XXXX. Despite this knowledge, XXXX  XXXX continued to furnish information related to my account to XXXX, XXXX, and TransUnion, which is a clear violation of XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ). 

XXXX XXXX unlawfully attempted to collect on a XXXX debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). According to IRS regulations, such XXXX debt can not be reported as income. XXXX XXXX has failed to provide me with a XXXX for the cancelled debt as required by law. This failure to comply with IRS reporting requirements and the misreporting of my account as a debt rather than a certificate of indebtedness are clear violations of federal statutes. 

In addition to these violations, XXXX XXXX has breached its own terms and conditions by sharing my information with non-affiliates, without my explicit consent. This action disregards my right to privacy as a federally protected consumer under the Privacy Act of XXXX. 

Moreover, XXXX XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by XXXX XXXX XXXX XXXX ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, XXXX, and TransUnion, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX XXXX immediately delete the adverse and update to paid as agreed and cease all further reporting to XXXX, XXXX, and TransUnion. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX XXXX, XXXX, XXXX, and TransUnion regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Dear sirs ; I requested information to validate this debt. When I questioned what was sent to me this company has not answered. I requested SCA Collections to provide me with more information about these alleged debts and the have ignored my request. I asked them to remove these collections from my XXXX and XXXX credit reports if they could not provide me with what I asked for they have ignored my request, They have not answered my letters and at this point I question if this is a real company This debt has not been validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report I didn't allow any of the companies listed to put any bad inquries on my credit report. I didn't commit any crime or gave anybody permission to list anything or did I wrote or sign anything to list anything on my credit report.
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 ( 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 was unfair and deceptive, as they did 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 redress I want the CFPB ( Block, Inc. ) due to inadequate 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 was unfair and deceptive, as they did 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 redress for these violations.
Product: Credit reporting or other personal consumer reports

I have a number of inquiries from the bank that I did not make and it is affecting me and I want to delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

The credit company Transunion is reporting that I have several things on my credit report that is affecting my credit score inasmuch its preventing me from obtaining apartment rentals and the financing of an automobile. The false information that is being reported are evictions, a lien judgment and identity of current addresses that does not reflect my credit history because these places in which are reported are not of any former or current residences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple items that are being reported on my credit report inaccurately. Experian continues to report past due payment history information that is older than 7 years. I have sent in many disputes regarding this including the fair credit reporting act which states information more than 7 years old must be removed from my credit report. There are several student loans on my credit report that fall under this dispute.
Product: Credit reporting or other personal consumer reports

I have been calling all the three consumers companies but the problem is still there