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

To Whom it May Concern : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 
1.XXXX XXXXXXXX XXXX 2. XXXX XXXX BANK XXXX XXXX 3.XXXX  4. XXXX XXXX 5. XXXX BANK 6. XXXX 7 XXXX XXXX XXXX BANK 8. XXXX 9. XXXX  10 XXXX XXXX XXXX 11.XXXX Sincerely, XXXX XXXX
Product: Debt collection

I had my identity stolen, and didnt find out for years later when I went to buy a vehicle. Im trying to distort these since I was not the one that gained from this, but a victim of theft. Please help me to rid these from my credit report. Im trying to get help with these. I appreciate all your kindness. There were 4 acts I found.. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXI dont have the rest of this act number sorry.. please help me rid this from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX
Product: Debt collection

On my last correspondence with XXXX XXXX for account XXXX, I clearly requested for the said account to be validated properly. I do not have any knowledge of this account and I am practicing my rights to request for a debt validation. More than 30 days had already passed and still I haven't heard from them and did not receive any proper validation for this account. I believe that this is a clear validation of FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act on XX/XX/XXXX XXXX Convergent Outsourcing Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act on XX/XX/2020 XXXX XXXX XXXX, Acount # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I went on vacation and stayed at a hotel that I booked through a 3rd party. When I arrived at the hotel everything was fine and they needed a credit card for damages and/or incidentals, which is standard procedure. I agreed to give them the credit card for damages and incidentals ONLY. Upon checking out the hotel advised me that I had to pay a resort fee for each night that I was at the hotel. I told them I did not want to pay it because I did not know about it and I would have stayed at a higher-end hotel if it was going to cost that much. The hotel told me that they would just take the resort fees out of the deposit that I gave them for damages and/or incidentals. I told them that I did not agree to them doing that. Bank of America tells me that I need to hire an attorney to deal with this matter because hotels can charge you for whatever you want. I feel like this is robbery from the hotel and neglect from Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion and XXXX about incorrect items on my credit report XX/XX/XXXX certified mail. I disputed collection accounts on my credit report, alias l, updating name and addresses and inquiries on my credit report. I received a letter from Transunion 2 weeks later around XX/XX/XXXX that stated my permission was not needed for companies to run my credit and place hard inquiries on my credit report and I had to contact the companies. I tried to call them around XX/XX/XXXX to once again advise that there was unauthorized inquiries they were reporting XXXX XXXX XX/XX/XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX. 
On XX/XX/XXXX I received an updated letter from Transunion that showed some items removed but other accounts it stated dispute not specific ; verified and updated. However Transunion failed to send my validation from the creditors reporting negatively on my credit report. Such as XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX # XXXX # XXXX. I have not received any documentation with my signature or a contract showing I entered into a contract with these companies.
Product: Checking or savings account

On XX/XX/year>, there was an instant transfer from my XXXX XXXX card to a debit card ending in XXXX. No card ending in XXXX exists on my profile and does not belong to me. I attempted to contact daily pay to dispute the transaction, they are refusing to accept a claim for the transaction. They are refusing to research the transaction. They have provided no means of resolving this matter and have told me I need to accept the loss of {$170.00}.
Product: Checking or savings account

i have been with navy federal since XXXX and have accumulated a lot of returned check fees and over draft fees for no reason the most recent being from XX/XX/XXXX for XXXX i can not see my bank statements father than XX/XX/XXXX of XXXX but it has happened to me numerous times over the past 6 years
Product: Credit card or prepaid card

Dear Sir/Madam, I did open credit charge dispute with Barclays Billing Disputes , case XXXX. 
They ruled not in my favor, although I did provide solid evidence. 
I did provide to them email from booking.com where they told I would be charged only for 2 days out of 6 booked. 

Narrative is as following : On XXXX platform I did book an apartment from XX/XX/XXXX to XX/XX/XXXX. 

Unfortunately, the building was experiencing periodic electrical outages due to the adjacent building construction. Plus, laundry didnt work. I do have friends who did witness this situation as well. 

I did contact XXXX, they further spoke with the apartment manager, and they offered me a solution- they will charge for 2 nights only, 4 will be refunded. Please, find attached email from XXXX  So, 6 nights was {$770.00}. 4 nights should be refunded- {$510.00} if we calculate $ XXXX nights = $ XXXX. 

So far, no refund has been received. 

Thanks for helping to sort this out. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed a collections debt on my account that does not belong to me I have asked for signatures and contracts but received nothing. Transunion claims it was verified but this is impossible as I did not owe or have a relationship with this collections company!! 

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681 b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I filed a claim with Bank of America edd for my unemployment benefits that were wrongfully denied. Besides the fact that this has tremendously set me back and caused me hardship. I called for reconsideration and filed the dispute again but i have not got a response regarding my provisional credit or anything regarding my money. Please help me resolve this matter i would really appreciate it.
Product: Vehicle loan or lease

Late last year ( 2022 ) Florida was hit with two back-to-back hurricanes which devastated XXXXXXXX XXXX XXXX Florida. A state of emergency was declared and millions were severely impacted by the back-to-back hurricanes. I am self employed and suffered a severe financial hardship as a result of the natural disasters. I called Lexus Financial Services/Toyota Motor Credit Corp shortly thereafter to apply for financial hardship assistance and was denied because the area I lived in did not qualify for financial hardship assistance due to the natural disaster. In other words, I lived " outside '' the area they deemed as affected by the hurricanes and thus did not qualify. Their decision to deny financial hardship assistance has resulted in my family and I struggling to keep up with payments while they use aggressive collections tactics ( including calling relatives ) to force payment. They have repeatedly threatened with repossession as we never seen to get caught up enough to get out of their repossession eligible status ( 50+ days past due ).
Product: Credit reporting or other personal consumer reports

Equifax has used and furnished my data without my consent due to identity theft. Someone stole my identity, and none of these accounts are mine.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and removed for erroneous reporting in my file are listed on my credit report : 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was contacted 3 separate times and I have recorded the interactions by mail. They have failed to remove the items on my credit report as required by federal law for individuals that are victims of identity theft. Subsequently, Equifax is the only credit reporting agency that refuses to correct information as I demanded they do on 3 separate occasions. Equifax has knowingly and blatantly disregarded my dispute and subsequent attempt to correct information on my credit report as reported wrongfully due to my being a victim of identity theft. I will be uploading information and correspondence they failed to properly investigate and items they have failed to remove, indicating their blatant disregard for federal law. I am demanding that they take action and remove the negative derogatory information immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to see where to start in order to get a loan for a home. The loan officer told me that I did not qualify. I have been with this credit union for 20 years and has never had a problem. I went and loo at my credit and there are things on there that are not mine and would like for you to remove them XXXX XXXX XXXX  and XXXX XXXX XXXX. 
I got contact with FTC and i have call police
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX continue to report inaccurate information. Per the IRS any cancelled debt is considered a certificate of indebtedness which is income and can not be reported. 

The creditor account listed as XXXX Account # : XXXX has several inaccuracies. 

Account Type - Detail : Secured credit card Credit line secured Secured credit card Account Status : Derogatory Open Derogatory Monthly Payment : {$0.00} {$90.00} {$0.00} Balance : {$15.00} {$100.00} {$15.00} High Credit : {$200.00} {$200.00} {$120.00} Credit Limit : {$170.00} {$170.00} {$0.00} Past Due : {$15.00} {$75.00} {$15.00} Payment Status : Collection/Chargeoff Late 150 Days Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX and Equifax are reporting late payments from XX/XX/XXXX - XX/XX/XXXX & XX/XX/XXXX - XX/XX/XXXX. XXXX is not reporting any late payments. 

This means this account has not been properly verified and this information needs to be removed immediately.
Product: Payday loan

I inquire about this loan, the explanation was i already paid the loan and it not even going toward the payment, so i been laid off as of XX/XX/XXXX/17 waiting for the unemployment to se if i am qualify
Product: Money transfer, virtual currency, or money service

I have a paypal account that I can not access because I don't have a mobile phone. I called them about it and they will do nothing. They sent me a monthly statement notice, but I can't see it because I don't have a mobile phone.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX  sold my personal information to CAVALRY SPV L, LLC and CAVALRY has attempted to collect a debt they have no right to collect. They have harassed me by making my phone ring emails and now threating to take legal action against me. I will like for CAVALRY to pay my invoice of {$4000.00} for the violations. I have been disputing this debt I have sent them a debt verification and CAVALRY has failed to validate the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am writing this statement on my own behalf. I have been a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information related to this matter. 

The fraudulent accounts are as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to include the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I 'm not certain if this is a USAA banking issue or a general banking issue, but it is an issue. I deposited a check via mobile banking on XX/XX/XXXX. I should have shredded the check right away but USAA said it could take 3 business days for them to accept the deposit. I set the check aside, then XXXX happened. On XX/XX/XXXX my husband saw the check and thought I had n't deposited it yet. He took it to a local bank and somehow it was deposited into a seldom used savings account. Neither my husband or I realized this had occurred. On XX/XX/XXXX USAA deducted the deposit that was made on XX/XX/XXXX from our account and said it was a duplicate deposit. They could n't tell me anything else, where and when the other deposit was made, etc. Of course, my first thought was that someone must have stolen the check and deposited it somewhere. I looked at the details of the XXXX other checking accounts we have and there was no duplicate deposit. I did n't think to look in that savings account as the only transactions there are automated savings deposits and we do n't even have deposit slips for it. However, to be sure I pulled up the info on all of our accounts including that one, and there it was. How it went there is still a mystery but that 's our issue. My point is that while the mistake was absolutely ours, in these days of so much theft and fraud it would have been helpful if USAA could have given us the information about the duplicate deposit - bank and date of the duplication. If it is a Federal rule to either not provide that info to USAA or to not allow USAA to provide the info to the consumer, maybe that can be changed. Thank you for considering this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove fraudulent credit inquires from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In sight of recent investigations brought upon Transunion, I find that my consumer file is being irresponsibly tampered with. Over the past few months, I have made several attempts to remind Transunion of their duty pursuant to 15 USC 1681. It appears Transunion intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. in XXXX and XXXX of XXXX, I made a dispute to Transunion to verify some of my accounts. They were supposed to do a clear investigation, which they did NOT do. Most of everything on my credit report came back verified. Did Transunion conduct interviews? Who did Transunion talk to? Did Transunion interview my friend? What was the procedure like? Send me the proof. Please send procedure of the investigation. In order for credit bureaus to conduct an actual investigation of the accounts that are on a consumer report that the consumer is disputing, they have to conduct an investigation a certain type of way, which is taking interviews from neighbors and friends about the information thats being disputed pursuant to 15 usc 1681a ( e ). 15 USC 168li ( A.5 ) says that after the reinvestigations. all of the unverified information must promptly be removed. Transunion has failed to provide a 100 % accurate investigation for the accounts that are on my credit report. None of the accounts on my Transunion profile can prove I owe a debt. Transunion couldnt provide me with any contracts and/or accounting ledgers from any of the accounts on my Transunion consumer report. I made a call as another attempt to have these errors corrected on my consumer report. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX USDOEXXXX XXXX XXXX XXXXXXXX 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 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.

Pursuant to 15 U.S.C 1681a ( 2 ) ( 15 u.s.c 1691 ( a ) ( 3 ), 15 u.s.c 1691a ( e ), 15 u.s.c 1691 ( e ), 15 u.s.c 1642, 15 u.s.c 1681M, 12 CFR 1002 there should be no transactions reported onto my credit report. This includes late payments.

Transunion never had a Permissible purpose of my consumer reports. 15 U.S. Code 1681b ( 2 ) never instructed Transunion to furnish or create any report. I never consented to any account on my report on the first place. 15 U.S. Code 6821 Congress made it clear that Transunion assumed the role of a financial institution through association.
Product: Credit card

The processing department at Capital One does not process the payments on day received, causing late fees and interest charges. Capital One states it takes 10 business days for payments to reach them. I have mailed payments well before the ten days and they still hold the payment for posting up to 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and under the penalty of perjury I attest that all facts to be stated are true. Predatory credit reporting agency Transunion refuses to follow my written instruction for the permissible purpose of the credit report and FILE that this company is furnishing on me which violates 15 USC 1681b ( 2 ) which states " 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 instructions of the consumer to whom it relates. '' I have submitted written instructions to Transunion on a number of occasions over the last year and this company refuses to abide by federal law and remove the fraudulent and inaccurate personal information, accounts and inquiries which stemmed from identity theft. I have reported this identity theft and misuse of my information by all the major credit reporting agencies including XXXX, XXXX, transunion, and XXXX as well as all the issuers of the fraudulent reported accounts. Transunion has also failed on a number of occasions to share with me how they have been able to validate these alleged debts that they are reporting on my credit file. What personal interviews did they conduct? What system did they use to validate the debt? Did they submit a form or use electronic means? What was the name and contact information of the people they spoke with to validate the debt? This is fraud and totally violates the fair credit reporting act. The fraudulent inquiries that appear on my account are a clear display of how transunion is violating my consumer rights by selling and sharing my personal information and credit file with third parties that I did not initiate or authorize. Can transunion explain why these companies were able to access my credit file without my prior consent? This is a blatant act of identity theft which is punishable by law both civilly and criminally. Furthermore the FCRA was created for the purpose of enforcing credit reporting agencies to report accurate and fair information and transunion is doing the complete opposite. I have attached a 3 credit bureau report which clearly shows that XXXX, XXXX, and Transunion are all reporting different, inaccurate, and fraudulent information on all 3 credit files pertaining to the same consumer, accounts, and inquiries. This is illegal! This is theft! This is punishable by law and will be pursued in a court of law if these accounts, incorrect personal information, and inquiries are not removed upon the receipt of this complaint. Please see all attached documents to support my complaint. I have faxed this information to transunion but have yet to receive a response. Please find attached : 1. Letter sent to transunion 2. proof of identification 3. US Dept of Justice complaint 4. Federal Trade Commission Identity theft complaint 5. copy of 3 bureau credit report displaying inaccurate reporting of information by all 3 major credit bureaus