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

Complaint I am writing to report a dispute with TransUnion, one of the three major credit reporting agencies. Despite my efforts to correct an error, TransUnion has failed to remove a wrong late payment history ( rating ) from my credit report. 

*Account Information : * - Account Name : XXXX XXXX, XXXX - Account Number : XXXX - Date of Alleged Late Payment : XXXX, XXXX *Description of Issue : * On about XX/XX/XXXX, I discovered a late payment on my TransUnion credit report for the above-mentioned account. However, I have a letter from XXXX proving that the reported late payment for XX/XX/XXXX is wrong and should be deleted from my credit report. I have contacted TransUnion multiple times to dispute this error, but they have refused to remove it from my report. 

*Actions Taken : * Date of initial Dispute : On about XX/XX/XXXX Date of last two Disputes : XX/XX/XXXX, and XX/XX/XXXX Method of Dispute ( phone, mail, online ) : phone, mail, and online TransUnion 's Response ( if any ) : They fixed the error two times, but it came back to my credit report *Relief Sought : * I request that the CFPB assist me in resolving this dispute. I would like TransUnion to : 1. Remove the incorrect late payment history for XX/XX/XXXX from my credit report. 
2. Update my credit report to reflect the accurate payment history. 
3. Provide a corrected credit report to me and to any entity that has requested my credit report in the past six months. 

I have attached the following documents to support my complaint : - Copy of my credit report highlighting the disputed late payment - A letter from XXXX proving that the reported late payment for XX/XX/XXXX is wrong and should be deleted from my credit report - The last Correspondence with TransUnion regarding the dispute Thank you for your attention to this matter. I look forward to a prompt resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXXXXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : XXXX ; XXXX XX/XX/2022 ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Owed : XXXX ; XXXX XXXX XXXXXXXX Balance Owed XXXX {$640.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm has me listed as paying a account in good standing and I would like to know how they paid the account and how they got my information to take out the loan.
Product: Debt collection

This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm wanting to find out what all these bills and hospital bills are that 's in my name it shows I 've been to the hospital like 3 times this year when I 've not been there in about 3 years if not longer my date of birth is wrong there 's a address on there that I 've never lived at the only thing I should have on my record is from XXXX XXXX and XXXX witch I paid off the XXXX bill and from XXXX XXXX and I 'm just trying to figure out what all the other stuff is on my report it 's causing me a lot of problems in my life thanks
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. The information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency.
Product: Debt collection

This companyPortofolio recovery asscXXXX vaCalls on old debts credit card that have been charged-off by original creditor and even been mailed a XXXX. These debts are old, though this co has bought them and has cleed at home on my cell-phone at all hours. They call and leave no messsage at home on cell. They call from several numbers likeXXXX XXXX XXXX XXXX XXXXto name a few. I fell harassed by this company for these old debts.
Product: Debt collection

I wrote a letter for debt verification to Transworld Systems Inc. and they wrote me back stating I had a XXXX balance. They also attached a Statement of Account from 2015 showing a zero balance. Where is the contract with my signature on it? Transworld did not provide this information because they don't have it because I do not owe this debt! This frivolous claim is effecting my credit. If they can not provide a contract with my signature on it, then I want this frivoulous claim removed immediately from the three major credit reports, XXXX, XXXX and XXXX immediately. This debt has not been verified.
Product: Credit card

On XX/XX/2023, I ordered an item " XXXX XXXX XXXXXXXX Edition Wireless Controller '' for {$88.00}. I received a tracking number for the item ( XXXX ) and received the item delivered through USPS. On XX/XX/XXXX, I received the item, and noticed that the item was very poorly packaged ( the item was just put in a very thin plastic cover with no bubble wrapping or box ) and immediately decided to return the item. I never opened the item and just wanted to buy from elsewhere, as I didn't want to risk using a product that was damaged or use a product that could easily be damaged down the road. I also value boxes of items, so seeing that the item was in that state was disheartening to me. I started a return on the same day, and on XX/XX/XXXX I sent out the item to be returned ( XXXX ). It was delivered on XX/XX/XXXX, and on XX/XX/XXXX I decided to inquire about the status of the refund, as it had been some time with no response. I was sent an email on XX/XX/XXXX that stated " The incorrect item has been received for your return. The serial number of the item received does not match our records for the item shipped. XXXX will not be taking further action on this order. '' Naturally, I immediately opened a dispute on the same day, on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Capital One that stated they required more information from me, and also attached information that was sent in by the merchant. Standard things like serial numbers being different, tracking number timeline for the item, as well as invoices. Capital One stated that they needed more documents from my end such as the merchant 's return policy, sales invoice, and proof of return, to name a few. I provided everything to Capital One to the best of my ability, and today on XX/XX/XXXX I received a letter stating that " While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. '' I never was told what information was lacking, and I was told " Unfortunately, based on the information we have, we are unable to assist with your claim. '' I just want to work with Capital One and provide as much information as possible to help with the dispute, and of course, get my money back. I'm just not sure what else to do from here if they are lacking information.
Product: Credit reporting or other personal consumer reports

I was looking at my report and notice there were some things that was not correct. I sent a letter to Experian on XX/XX/year> and no response. Here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX. But it has been more than XXXX  days, Experian still haven't responded to my letter. That a violation of XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Checking or savings account

I requested a refund due to receiving spoiled food that posed a safety risk. After just one bite, it was evident that the food was spoiled, making it inedible. Unfortunately, my children experienced stomach problems and vomiting for days after consuming it. Despite multiple attempts to contact the merchant and resolve the issue, I was not received automatic response saying it had to be resolved by the store because it was purchased through a 3rd party. No one has solved my issue. The bank refused to refund the {$86.00} spent on the spoiled food. This situation not only resulted in wasted money but also left my children hungry and unable to eat.
Product: Debt collection

I have been repeatedly contacted by phone and through the mail by Security Credit Systems Inc in XXXX XXXX about charges from XXXX College in XXXX, XXXX, which I attended under the Trade Act, which covered all tuition, books, fees, and required materials ( in addition I also received XXXX State Grants each semester ). All charges should have been covered by either the Trade Act or the State Grants. I have repeatedly requested information specifying what the charges were for, and received a print out provided by the XXXX which indicated only " XXXX XXXX, '' with no itemized information provided. I recently received a letter from Security Credit Systems Inc which said, in part, " ... Because of your neglect we may be forced to recommend further collection activity. '' I find that statement to be threatening and harassing given that I have repeatedly requested information regarding what the charges are for, but have never received that information, and that is why I am reporting this collection agency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ,  MD XXXX To whom it may concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802. 

Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time. 

I am opting out of your reporting services to Transunion, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

on XX/XX/2020 chase closed my credit card for no good reason, first when i called in they said that it was closed do to unusual activity, so i explained i didn't use the card since XXXX, so she said a new thing that it was done by company policy order, so i asked her whats the story with my rewards so she told me im so sorry but was taken away so i said usually they send a letter that your account is closed and you have 30 days to take it out so im still in the 30 days and her answer was im am sorry but i can try someone to call you back 3-5 business days, so I told her then they will tell me that its passed the 30 days, so she said there is no one to help you
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously submitted disputes in regards to a bankruptcy being reported on my credit report. In those letters I submitted copies of my credit reports from all 3 credit bureaus with the inaccuracies and incomplete  information on each one.They failed to acknowledge the documents I sent. They failed to show proof that the bankruptcy belong to me. The only keep providing a case number and the address of the bankruptcy court. I requested on numerous occasions to verify it belongs to me. I requested how they verify their incomplete and inaccurate information. I was told by one of the credit bureaus that they in fact get information from a XXXX party source such as XXXX. Which under the FCRA they are suppose to gather complete and correct information from the furnisher which would be the Bankruptcy Court.  None of the credit bureaus could produce the amount of money in my bankruptcy, my full name, full social security number and address. If I filed bankruptcy it had to be a reason right? I have to have accounts associated with this alleged bankruptcy. I contacted XXXX and requested them to show how they verified the bankruptcy. I was told by a representative of XXXX over the phone that they get their information from the Bankruptcy Court. I got a letter from Bankruptcy court stating they do not give personal information to third parties and I will attach this letter with my complaint.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1300.00}, XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$510.00}, XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX student loans opened in my name as well as about XXXX inquiries. I've took the steps to file the correct reports and send the documents. However, the CRA 's left XXXX student loans and about XXXX inquiries on my reports. I need the to remove the rest of the items listed.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent dispute letters to the bureaus to verify the information, they came back verified without proof.
Product: Credit card or prepaid card

I received a letter from the bank dated XX/XX/2030 stating they received a credit card application in my name. I called to the bank and they filed a report and explained that I did not submitted any application for a credit card with this bank. I believed my identity may be compromised.
Product: Money transfer, virtual currency, or money service

XXXX dollars was paid through paypal XX/XX/23 for my phone service XXXX. 

how ever on XX/XX/23 XXXX suspended my service for non payment.. 

*i had to use my debit card to pay to get my service back on.. 

i confronted XXXX  and paypal.. 

XXXX  said they see the payment but can't trace the money in their system.. 
( ergo my service was suspended .. ) Paypal XXXX it's wasn't a double payment so there's nothing they can do.. 

Here 's the question i have for Paypal : so if XXXX  doesn't see the payment from Paypal? 

1 ) why does paypal have a problem REFUNDING my money that still shows as paid through them which XXXX  claims they never got?!! 

*i want one or both to pay me back my XXXX dollars..
Product: Checking or savings account

PNC Bank poor accounting of available funds and shift monies from accounts after Ive made transfers to balance out my accounts. PNC is intentional triggering fees ( overdraft protection ) by changing my account balances and causing payments from my accounts to delayed or held and creating negative balances and adding more fees. 

On XX/XX/XXXX, I unexpectedly had a XXXX balance in my checking account, with pending business payments expected to withdraw. Reviewing there were expenses not posted and funds returned to checking account as available after the standard 72 hrs. 

I transferred money from my XXXX  account to cover automatic payment withdrawals, expected after XX/XX/XXXX. The morning of XXXX, I receive email notifications, I have a XXXX balance in checking because they applied an overdraft fee. The funds I transferred to balance out the checking account, was returned back into the XXXX accounts. 

I didnt do this nor authorized the bank to make this change or any changes. I had a XXXX XXXX in my checking account, an overdraft protection fee and still had payments pending. 

I reached out to PNC several times prior for other balance inconsistencies and errors in applying fees and not correctly investing an overpayment to a vendor. 

I spoke with PNC rep and to keep a HAND WRITTEN LEDGER to also manage my transactions. Though an archaic suggestion in a real-time digital world and economy, it still wouldnt remedy the changing balances in/out of the accounts. Especially, those the bank decided not to keep in the right accounts. 

I was transferred to XXXX XXXX, Executive Client Relations. But we never spoke, even after request via email, she schedule a time to meet. 

In the last 6 months, PNC Bank has caused me significant distress, loss of business and loss of money with long term negative impacts to merchant/client relationships. PNC Bank record keeping & report accurate balances in real time is horrible and even dangerous and distrustful. Ive had to request several fees be removed because of their poor accounting. Please help.
Product: Credit reporting or other personal consumer reports

This is the third time Im sending the documents the company requires by mail. At first, my credit file stated : " No indicator on file, '' and later it changed to " Report Blocked for Promotional Purposes. '' I always receive a response saying they can not read my documents. I have asked for other ways to verify my documents, and they say this is the only way. My credit report has been blocked for more than six months, and no one is able to solve my problem. Ive already spent over {$40.00} just sending letters. I Still being unable to acces to my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair with the fair credit reporting act.the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 15 usc 1681 section 602A states I have the right to privacy.. 15 usc section 604 a section 2 states states a consumer reporting agency can not furnish a account without my written permission. 15. Usc 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 conviction of crimes which antedates the report by more than 7 years 15 usc 1681s-2 a1a.a person shall not furnish any information related to a consumer to any consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is incorrect. Account : XXXX XXXX  account ending in XXXX amount XXXX .this account was fraud I provided documents to show I was XXXX  at the time this account was opened. Account # XXXX XXXX XXXX open date XXXX close date XXXX this account was opened up fraudulent ly the fraudulent department at XXXX  XXXX contacted me we determined I wasn't the person tht opened this account they quickly and diligently closed the account before it could be used but the refuse to remove it after several attempts on my part to get them to do so.account # XXXX XXXX  XXXX account open date XX/XX/XXXX close date XXXX this is my account someone made fraudulent charges on my debit card my payment for this credit card got declined I swiftly fixed the issue with my bank made the payment the credit card balance went to XXXX immediately the cc company said I committed fraud and closed the account it shows a XXXX balance but they refuse to remove or make it non derogatory. Account # XXXX XXXX open date XX/XX/XXXX XXXX