23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

I have my international westernunion account with whom I do my business all over the world. 
The account was valid because I created it in XXXX with all the vouchers and I used it. 
But for 6 months the account has been on hold since I arrived in XXXX where I had vehicles and other goods in the port. 
They asked me for XXXX and I sent them but they answered me a first time to be patient and I have it. 
Still having no news of them I left for XXXX or I have big stock of XXXX. 
Arrived in the XXXX XXXX they ask me for documents with a certificate of residence and I have also provided them. 
They send me an e-mail that I had to go and make on-site transfers to their branch in the country. 
But in the clauses it was not agreed and in addition why did they ask me for proofs in these XXXX countries knowing that in the end they will tell me to go to their local agency of these countries? 
At the moment I am out of liquidity and they tell me again to call them or I used to call them and we had a long discussion and they reassured me that the account will be active in the shortest possible time. 
But up to this day still nothing and my goods are still stored in the countries ports where I incur taxes.
Product: Debt collection

I'VE NOTICE THESE 2 COLLECTION ACCOUNTS ON MY CREDIT REPORTS ON XX/XX/year>. THESE COLLECTION ITEMS HAS BEEN REPORTED ON MY THREE CREDIT REPORTS. I HAVE NO KNOWLEDGE OF THESE TWO COLLECTION ITEMS- XXXX XXXX XXXX ( XXXX ) XXXX {$360.00} OPENED-XXXX AND XXXX XXXX XXXX ( A BANK ACCOUNT ) XXXX {$1500.00} XXXX. I'VE NOTIFIED THESE 2 COMPANIES, NO RESULTS. PLEASE HAVE THESE TWO COLLECTION ACCOUNTS REMOVED OR DELETED FROM MY THREE CREDIT REPORTS. THIS IS IDENTIFY FRAUD/THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

While being in my bank account information i saw a different address where i do not live nor is it my mailing address I left it alone. A few days ago i get my credit score and i see that it went down a good amount i pay in time and have not had any problems what so ever until i see that i have XXXX hard inquiries and thats why it went down. I would like this inquiries away because I didnt start any applications and havent opened XXXX. This will not allow to get a mortgage and im looking into this but with the inquiries still there it wont be much of a help. I have already reported to identify theft. 

Thank you
Product: Debt collection

I received an email from TSI stating that I owed {$2500.00} to XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX in XXXX XXXX, AZ from XXXX, XXXX. I lived at this complex for months after this date, and moved to a different apartment within the complex. I was never informed that there was an issue with rent and {$2500.00} is not even how much the rent was. I was never informed before anything was sent to collections either. I have an email from XX/XX/XXXX, stating I was removed from the rental agreement and was no longer responsible for any amount owed to XXXX XXXX. I contacted XXXX XXXX on XX/XX/XXXX when I received an email from TSI and asked for proof of this debt. I never received any proof that this debt was owed. This debt was also during a time when XXXX XXXX were switching portals and many other tenants experienced issues. I have disputed this debt with TSI and they are just saying they are not getting a response from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX  Balance : {$31000.00} ; MILITARY STAR XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This my several endeavor to file a complaint in my personal credit report information that are questionable. I would like to dispute certain inaccurate information in my file which I believe are possibly an Identity theft and it was deleted from other bureaus. the inaccurate information are as follows : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, LA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, LA XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to dispute the recent verification regarding an account listed under XXXX XXXX XXXX. My initial request for validation was not fulfilled, as only a verification was provided without any supporting documentation to confirm this debt is legitimately mine. Since I am a XXXX, and to avoid potential confusion or misattribution, I demand complete validation in compliance with the Fair Credit Reporting Act ( FCRA ). 

Below are the details of the disputed account : Account Information : XXXX XXXX XXXX Account Number : XXXX ( XXXX, Equifax ) Account Status : Collection/Charge-off Date Opened : XX/XX/XXXX Balance : {$650.00} High Credit : {$650.00} Payment Status : Collection/Charge-off ( 120 Days Late ) Last Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Comments : Account disputed by consumer reported by subscriber. 
Account seriously past due/assigned to attorney, collection agency, or internal collection. 
Consumer disputes this account information. 
Requested Validation : I request the following documentation : A copy of the original contract or agreement that establishes my obligation to this debt. 
Documentation that proves XXXX XXXX XXXX has the legal right to collect on this account. 
A detailed payment history, including evidence of the last payment made. 
If you or the creditor can not produce this information, I expect this account to be immediately removed from my credit reports. Furthermore, I demand all collections activity cease until proper validation is provided. 

Personal Information : Name : XXXX XXXX XXXX XXXX. 
Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX Failure to respond adequately within 30 days will result in further action, including filing additional disputes and complaints. I look forward to your prompt resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to repair my credit for more than ten years. I recently paid a credit account in full and the credit reporting agencies in light of this information took from one to 50 points OFF my score instead of adding points to my score. Account reference is XXXX XXXX indicating charge off /collection/write off - other, which now has a zero balance. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of the fair reporting, I have also checked with my State Attorney General and verified that this reporting is in violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$3500.00} XXXX  XXXX Balance : {$2400.00}.
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 procted consumer rights to privacy and confidentiality under 15 u.s.c 1681 Account name : XXXX  XXXX account # XXXX Account name : XXXX  account # XXXX Account name : XXXX XXXX XXXX account # XXXX Account name : XXXX XXXX child support Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX -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. ( e ) ( 5 ) section states : No consumer Reporting agency may make any consumer report containing any of the following items of information any other adverse iteams of information other than records of the convictions of crimes which Antedates the reporting more that seven years.

-15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not fuenish any information Relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have a debit medical collection for my daughter I made a payment plan, I started paying XXXX  monthly and after 2 or 3 I dont remember exactly, the system was unable to process payments, I called to XXXX XXXX XXXX and they informed me that I had not debit there. Then I noticed that the debt was in collection, so the debt was sold. Today XXXX I received a notification with a payment offer, I am willing to pay but how do I know that they are going to take away my collectionI think they should have notified me that my debt would be sold and they didn't. and they shared my information without my authorization
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer reporting agencies play a crucial role in accurately reporting consumer information. It is imperative that this information is reported with utmost accuracy I have never missed a payment on the following account : [ XXXX XXXX XXXX  XXXX XXXX XXXX [ XXXX ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting or other personal consumer reports

This complaint is in response to your correspondence dated XX/XX/year>, regarding my fraud block request under Section 605B of the Fair Credit Reporting Act ( FCRA ). In your email you Stated that I submitted a fraudulent FTC XXXX? Did I recreate the logo on the header as well? 

I would like to clarify that the document I provided is indeed an official Identity Theft Report filed with the Federal Trade Commission ( FTC ). The report includes confirmation number XXXX and was submitted on XX/XX/year>. In accordance with Section 605B, TransUnion is required to block the fraudulent accounts and information I have identified, as listed in the attached FTC report. There may be a conflict of interest because YOU are the Person who committed the fraud and identity theft. First you tell me you cant verify my identity. STALL TACTIC. I provide you with verification of my identifity as required now your accusing me of commiting perjury? Not only are you changing open and close dates on my credit report minipulating my the statue of limitations on old Outdated accounts on the credit disclosure, now you are accusing XXXX of fraud. INSANE. JUST CANT MAKE THIS UP. CFPB PLEASE DO SOMETHING ABOUT THIS! 

Furthermore, I have provided accurate and verifiable details regarding the identity theft, including the specific accounts and information that are fraudulent. I also wish to note that this matter has been inadequately handled, as errors remain on my credit report despite prior investigations and the evidence I submitted. Additionally, none of the other major credit reporting bureaus, XXXX and XXXX, have verified these accounts as legitimate. This inconsistency further demonstrates that the accounts flagged are inaccurate and must be removed under FCRA Section 605B. 

In light of the XXXX data breach in which my personal information was compromised, it is imperative that TransUnion thoroughly review this matter and comply with FCRA requirements. I am attaching a copy of the FTC confirmation report for your reference. 



I request that you : XXXX. Remove and block all the accounts listed in the FTC report immediately. 

XXXX. Provide confirmation of this action within the required XXXX day timeframe as stipulated under Section 605B of the FCRA. 



If additional documentation or clarification is required, please let me know promptly. I expect TransUnion to handle this matter with the urgency and diligence it deserves. 



Thank you for your attention to this matter.
Product: Debt collection

On XX/XX/2019, I observed an unknow debt collection account for {$370.00} from Peter Roberts & Associates. After investigating this matter further with the original creditor XXXX XXXX XXXX XXXX and Peter Roberts & Associates, I became aware that I was a victim of Identity Theft. I immediately contacted XXXX to conduct an investigation and provided all relevant documentation i.e. police report etc. to XXXX, XXXX XXXX XXXX XXXX and Peter Roberts & Associates. Unfortunately, after providing all of this information and documentation, both XXXX and Peter Roberts & Associates refused to remove this fraudulent account from my credit report. I am now forced to pursue legal action against this company as they refuse to remedy this issue.
Product: Credit reporting or other personal consumer reports

I RECENTLY CHECKED REPORT AND NOTICE SOME INACCURATE ACCOUNTS REPORTING : XXXX XXXX reports different information to credit bureaus dates are incorrect and don't match causing my account to reflect negatively. they report to different account numbers. dates are not shown from first delinquency. payments show late payments but did not send out mail XXXX  days before due date to be able to report late date. report shows as credit card account or loan where no real cash amount was given per terms of service. 

VIOLATION 15 U.S.C 1681 602 A-4 : Law of privacy THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMER 'S RIGHT TO PRIVACY. 

VIOLATION 15 U.S.C 1681 b 604 A PERMISSIBLE PURPOSE SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : # XXXX ; IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. 

15 U.S.C 1681 S-2 ( 1 ) PROHIBITION ( A ) REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS 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. 

Account name : XXXX XXXX Account number : XXXX other number last XXXX : XXXX XXXX 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 reports 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 XXXX years. 

15 U.S.C 1681 S -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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

inquiry no authorizer XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX was purchased XX/XX/XXXX XXXX vehicle had broken down within 40 minutes after the purchase and I called and told him I wanted my money back.he told me that I was not entitled to get my money back.the vehicle started overheating and it completely broke down and would not start up 2 weeks and some days later.the vehicle should not have been for sale and it was in default because of its conditions.the car lot came and picked up the vehicle and now they are saying that I failed to make payments and they stated on my credit report that it was repossessed.the vehicle had a bad motor and the car lot sold it to me anyway.tjey stole my money and I want this removed from my credit report
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. 

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}
Product: Credit card

I have a XXXX  credit card with Barclays. 1.5 % of my money should go to my daughters XXXX account each month- XXXX is suppose to do this. In XXXX they were putting the money into my XXXX account monthly as they should. Then they stopped putting the money in and XX/XX/XXXX they put a lump sum of {$1400.00} and they have not put any money in my XXXX account since then. I went the XXXX web page and I have over {$1400.00} again just sitting in the XXXX web page. I have reached out to XXXX- they don't have a phone number to call and the emails just keep telling me to try again to reach out to my XXXX. So they are holding my money I am not recieiving interest on the money plus I should be getting 1.5 % because it is linked to my XXXX however they are only giving me 1.2 % because they told me it is not linked to my account. I have written to them at least 20 times and they write back very late so I am assuming they are not in the USA. I am concerned I will not get my money to my daughter for her XXXX college fund. 
I reached out to the CC Barclays and after the 3rd time I called they said they would file a case and reach out to me if they find anything out.
Product: Debt collection

On XX/XX/2022, I sent DEPARTMENT OF EDUCATION/NELNET a certified mail letter requesting information in which I have yet to receive a response. 
DEPARTMENT OF EDUCATION/NELNET IS IN VIOLATION of my rights as a Federally Protected Consumer.
Product: Credit card

Well upon discovering this entity saying I owe this and that I have asked numerous times for the original certification of indebtedness and they ignore my request to make me believe that this is not my debt anyways Im going to cite this one more time if it is associated with my social its already paid 12 cfr 192 are you ignoring the house joint resolution wow thats a heavy thing and or 2are you selling the securities with the cert of indebtedness either way this smells bad my social is XXXX I dont have the card number cuz I never had knowledge of this