23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

TCS contacted my place of work and continued to call them after they said I was n't there several time. They said he was rude and mean when they would n't give them my number or when I was working again. He continued to call several times XXXX to the point the told my boss and she called me at home. TCS has my number this was just harassment.
Product: Credit reporting

Hi I am a victim of Identity Theft and Finical Identity Theft, I have written Transunion 29 Times Concerning 1 Fraud address to be removed and 29 Fraud Inquires to be removed. They all was done the same day/month! Some scammer was trying hard. 
Transunion refused to remove the inquires and told me to contact the companies. I did write the companies 29 companies and 8 letter per company over the last 9 to 11 months! And they all refuse to even answer me. 
I have a Police report and proof of My Identity along with My Passport proving I was Living out of the country for over 3 yrs and this is Fraud. Please remove these Inquires. 

INQURES 1. XXXX 2. XXXX 3. The XXXX 4. XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 11 12. XXXX 13. XXXX 14. XXXX 2 x 15. XXXX 16. XXXX 17. XXXX 18. XXXX 19. XXXX 20. XXXX 21. XXXX 22. XXXX cr 23. XXXX And Fraud address XXXX Please help me remove all these frauds Inquires, I tried and need your help.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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 reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX 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. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Per my credit report i own Capital one {$3000.00} which i did not ope this account nor i have never had a capital one account
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I received an email from PayPal stating that my account was currently limited and that i had to take some steps to resolve the issue. I completed such steps and everything was fine. On XX/XX/2020 I received an email from pay-pal stating that my account is permanently banned and that after 180 days any money on my account will be released. There is over XXXX on my account that was supposed to be used during this pandemic. No Pay-Pal representative has told me any reasons to why they limitation was placed on my account in the first place. My account had been limited since XXXX. its been over 180 days and my money has not been released. pay-pal representatives state that an email will be sent to me and I haven't received one yet. They say that anything else after that is out of their control but I believe that is false. I was told a deadline on when my funds will be released and it is past due. My email linked to my Pay-Pal account is XXXX. This situation has dealt a great tragedy. 
I just want to remove my funds and discontinue the use of pay-pal services. Any help from you guys will be greatly appreciated.
Product: Money transfer, virtual currency, or money service

I applied for Paypal credit - A Digital Credit Line through this link on XX/XX/2019 and made $XXXX in payment to an online businessXXXXThis is the promise:Get No Interest if paid in full in 6 months on every purchase of $XXXX or more.No card needed. Easily access PayPal Credit right from your PayPal accountThen my first statement I noticed that the minimum payment on $XXXX was $XXXX  and the amount that I needed to pay to avoid interest charges was $XXXX. I called XXXX   on XXXX XXXX and spoke to 2 representatives one in XXXX  and XXXX in Kansas to dispute this and they said that my payment was being treated as a cash advance subject to 26.24% interest rate.The final representative XXXX ID#XXXX said nothing could be done and gave me an address to write to:Corporate Escalation PaypalXXXX XXXX XXXXXXXX, FL XXXXThis is the definition of bait and switch and a predatory lending tactic.
Product: Credit reporting or other personal consumer reports

My XXXX loans were transferred from XXXX to XXXX XX/XX/XXXX and ultimately forgiven as part of XXXX. I've received confirmation lettters and XXXX balance across all accounts ( XXXX, XXXX XXXX XXXX, XXXX ) XX/XX/XXXX. On my credit report, however, it is showing my student loans are doubled -- BOTH XXXX and XXXX are showing my XXXX loan debt so it appears I actually have double the amount of XXXX loans which is a sizeable amount. This is unacceptable -- I have not had a balance with XXXX for almost a year, and it has been almost four months since my loans were forgiven under XXXX. This has negatively impacted my credit score, my debt to income ratio, and is prohibiting me from buying a second house and car. Please address this as soon as possible and remove these balances from my credit report.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year> this case was dismissed at court by Citibank representatives. Since then until present you have been reporting me negative to my credit report.I dont own any balance to Citibank like you are reporting me for the amount of {$5.00} that was only {$3.00} in only 6 months increase to the highest interest never seen before with no other bank. Please I asked you to removed me from my credit report.!! You dont have to report me for any balance that I dont have to pay. I dont own Citibank XXXX balance. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account:XXXX, Creditor : 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 an account without my written instructions.

This account is fraudulent account, I did not open any account with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Checking or savings account

This is a follow up to the closed Case # XXXX on Consumer Financial Protection Bureau . 

Citibank issued a check No. XXXX ( MEMO : CLOSEOUT DISBURSEMENT ) of {$1000.00} on XX/XX/year>XXXX  but it is not the right amount. The total remaining balance upon account closure was {$2600.00}, a total of {$1500.00} is currently missing from balance. I suspect that Citibank has lost the missing {$1500.00} due to the account closure when I initiated an ACH transfer on the same day. 

On XX/XX/year>, I initiated an ACH transfer of {$1500.00} to my XXXX XXXX checking account ( ending account number XXXX ) from my Citibank checking account, but my Citibank account was blocked and closed immediately. Till now, I have not received the total {$1500.00} ACH transfer that I initiated in my XXXX XXXX checking account, but the amount was also not included in the check No. XXXX issued on XX/XX/year>. I request an escalation to investigate the missing funds, as I need the funds as soon as possible to pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C. 1681s-2, a furnisher has a duty to provide accurate15 information to CRAs and a duty to conduct an investigation into the completeness and accuracy of the information furnished. An individual may assert a private cause of action for violations 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I received a debt collection letter from Credit Collection Services on XX/XX/2022 stating that I owed {$580.00} to XXXX XXXX The following day XX/XX/2022, I contacted XXXX XXXX via live chat, and, their representative informed me that there is no balance due on my account and to ignore any such mailings.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX  XXXX : XXXX -- -> : {$300.00} XXXX XXXX XXXX XXXX XXXX : XXXX -- XXXX : {$3300.00} XXXX XXXX XXXX : XXXX -- XXXX : {$68.00}
Product: Debt collection

I recieved an email in my spam from Steel River Systems LLC, they are claiming that I owe them and that my only option to dispute would be to dispute by end of day today. 

I am disputing this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 2 XXXX XXXX XXXX  accounts with XXXX XXXX XXXX  and credit bureaus and received the attached response from XXXX XXXX  XXXX confirming that both accounts will be deleted from credit bureas. Although XXXX and XXXX  are no longer showing the disputed accounts, as of XX/XX/2020 Equifax is still reporting account XXXX ( see attached ). 
Please delete this false account asap.
Product: Debt collection

I did a dispute through the credit bureau and so far nothing has happened I believe I am a victim of identity Taft and this is a product of it but I could be wrong I need someone to help me look into this please
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried more than 6 times disputing these facts with Experian but they arent completely comprehending XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY GM FINANCIAL TOOK ME TO COURT FOR {$7000.00} FOR SOME AUTO LOAN THEY ALLEGED THAT I OWED, I DENIED THIS CLAIMED WENT TO COURT TOLD THEM TO SHOW PROOF AND THE COURT DATE WAS RE SCHEDULED TO GO TO TRIAL WITH THEIR ALLEGED PROOF, THE COMPANY NEVER SHOWED UP THE DAY OF TRIAL WHEN BOTH PARTIES WERE CALLED UP TO THE STAND AND THE JUDGE SAID DISMISSED WITH PREJUDICE. I WENT BACK TO THE COURT HOUSE TO GET A COURT CERTIFIED COPY OF PROOF OF THE JUDGEMENT, SENT THAT COPY TO ALL 3 CREDIT BUREAUS WITH REPORT NUMBERS, IT WAS DELETED  FROMXX/XX/XXXX, XXXX XXXX BUT STILL REMAINS ONXX/XX/XXXX, THEY HAVE TO REMOVE IT PLUS THE COMPANY GOT A COPY OF THE SAME JUDGEMENT, WHEN I CONTACTEDXX/XX/XXXXTHEY TOLD ME THEY ONLY REPORT WHAT THE COMPANY REPORTS BACK TO THEM, SO BASICALLY XX/XX/XXXXIS KEEPING THIS ACTIVE ON MY XX/XX/XXXX CREDIT REPORT BUT DELETED IT EVERY WHERE
Product: Credit reporting or other personal consumer reports

none of the below companies were authorized to pull credit. They are not active/open accounts and they need to be removed - XXXX XXXX Inquiry date XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX
Product: Debt collection

Porfolio Recovery, bought a debt from XXXX XXXX, but they have two different amounts on credit for the same company on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX ( XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper reporting of creditor XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for Capital One Spark Business Card. When I applied I never put my personal social security on the application I only put my EIN number on the application and Capital One pulled my personal social security without my consent. I would like for capital one to remove there inquire on my personal credit report for the date of XX/XX/18. How they got my personal information I do not know because I did not put my date of birth nor my social security number on the application.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint to ensure Experian 's compliance with the FCRA regarding inaccurate addresses on my credit report. 
The following addresses are incorrect : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, WA XXXX The correct addresses are as follows : XXXX XXXX XXXX XXXX WA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per FCRA Section 611 ( a ) ( 1 ) ( A ) concerning Right to Dispute Inaccurate Information - `` If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly... 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. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION has committed Identity theft 15 U.S. Code 1681a ( 3 ), pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) TRANSUNION failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under Fair Credit Reporting Act, you have violated 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, You have as also you have failed the requirement imposed under the Fair credit reporting act pursuant to 15 U.S. Code 1681e ( a ) and did not maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. You can be held liable Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) because you have willfully failed to comply with XXXX requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer In addition you have obtained information on, i the consumer under false pretenses from XXXX  XXXX who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q
Product: Debt collection

I started to receive letters from Midland Credit a couple months back for a said amount of {$1400.00} that they claim I owe. I sent them a Debit Validation letter via certified mail on XX/XX/2020 to ask them to please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations has not expired 6. A valid, legible copy of the agreement stating the debt and interest charges.

I mailed it out to the address that they have on file that says to mail any kinds of disputes there, which according to them is located in XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX. I received the return slip that certified mail is sent out with and returned with a signature by XXXX XXXX showing that they indeed did receive my letter but they have not answered me with the information I requested to validate this said debt. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ).
Product: Credit reporting or other personal consumer reports

I need the credit bureaus to do their job!!! None of my disputes are even being investigated and I know that i am not the only customer complaining!!! 

My disputes are attached since they do not want to work them. 

PLEASE CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO THE ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE. 

THIS IS NOT A DISPUTE OF OWNERSHIP BUT AS A CONSUMER AWARE OF MY FEDERALLY PROTECTED RIGHTS, IF YOU CAN NOT PROVIDE THE REQUESTED DOCUMENTATION MY DEMAND IS THAT THE ACCOUNTS BE REMOVED IMMEDIATELY UPON RECEIPT.
Product: Credit reporting or other personal consumer reports

The company did not properly process my moving off the property and charged a substantial amount of fees after I vacated. I told them however I was leaving the property permanently and would NOT be renewing the lease for any longer. I was told by a leasing agent that this was fine as long as I communicated my wishes. On the back end of this I was filed an eviction on my credit report and the company has not released my original lease agreement so I could obtain the policies for this matter
Product: Debt collection

In accordance with the Fair Credit Reporting Act, XXXX  Account : 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.
Product: Credit reporting or other personal consumer reports

Subject : Request to Enforce Financing Transaction under HJR 192 and Relevant Legal Provisions To Whom It May Concern at XXXX XXXX  I recently received notification regarding the denial of my credit application for the financing of a XXXX XXXX XXXX. This letter serves to formally request the enforcement of the financing transaction based on the following legal grounds : 1. HJR 192 ( 1933 ) : Under this resolution, all debts and obligations are payable in legal tender of the United States. This provides individuals the right to discharge debt obligations with lawful money, thereby prohibiting the compulsion to pay in any specific form of currency. 
2. Uniform Commercial Code ( UCC ) : Specifically, UCC 1-207 and UCC 1-308 allow individuals to reserve their rights when performing under a contract without prejudice to those rights. By using my Social Security Number ( SSN ) in the credit application, the transaction involves a non-negotiable instrument, which compels XXXXXXXX XXXXk to recognize and process the transaction under these terms. 
3. Code of Federal Regulations ( CFR ) 12 CFR 226.13 ( Regulation Z ) : This regulation outlines procedures for resolving disputes related to credit transactions, providing consumers with protections against erroneous credit decisions. 
4. Non-Discrimination : Basing the financing decision solely on my credit report constitutes discrimination. Under federal law, specifically the Equal Credit Opportunity Act ( ECOA ), I have the right to be evaluated on factors beyond just the credit report, especially when negative items are present. 

As such, I assert my right to have this financing transaction processed and approved. I reserve all rights and remedies available to me under the UCC and CFR. Furthermore, I demand the transaction be reconsidered in light of my rights under HJR 192 and the recognition of my SSN as part of a non-negotiable instrument. 

Attached Documentation : 1. Images of the denial letters indicating the credit scores and reasons for the decision. 

Please inform me of the necessary steps to proceed with the approval of this financing transaction. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Debt collection

There is company on my credit report - LVNV Funding LLC reporting an account with the EXACT same account number that I submitted a complaint about earlier from XXXX XXXX that I do not recognize. I 'm guessing it is a collection agency but I do not know. It was reported XXXX and the status says " chargeoff or collection '' with a balance of {$2100.00}. I do not have anything with this account number not have I ever heard of LVNV Funding LLC .
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion Bureau, I am a victim of an Identity Theft and this is my official statement for dispute. I have accounts on my credit report that dont belong to me. I have never own that accounts and I have had contacted you several times but you never helped me. 
I enclosed in this letter an Identity Theft report and notarized Affidavit proving that these accounts were opened due to fraudulent actions. I am also attaching a copy of my Drivers License and a copy of my SSN to verify. 

Please remove these accounts or at least let me know what else I should provide you. 

Name of the account : XXXX BANK XXXX It was opened on : XX/XX/XXXX Name of the account XXXX XXXX XXXX XXXX XXXX It was opened on : XX/XX/XXXX Name of the account : XXXX XXXX XXXX It was opened on : XX/XX/XXXX These accounts were closed by letting the lender know that these account dont belong to me. But unfortunately at that time the accounts were transferred to the fraud department. These accounts are not mine, please remove them from my credit report. Thank you very much for your consideration and I'm waiting for the good news soon.