23daVinci/CFPB_Complaints huggingface dataset:
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  Account Number: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: Money transfer, virtual currency, or money service

This complaint is in regard to the recent International Wire Transfer which I made on XX/XX/2022, from Bank of America in the amount of {$350000.00} to XXXX XXXX. 
The date available for the recipient to receive the funds mentioned on the receipt was XXXX XXXX. 
By the date of availability, the recipient did not receive the funds so I checked it with my bank and the bank first claimed that there is an error on the beneficiary side or with his information, when i claimed that the information 's provided was all correct later on they said the information 's were correct. 
Now the thing stands that my beneficiary has not yet received the funds, but my bank is claiming that the funds were deposited to the beneficiary 's account on XXXX XXXX. 
Hence, I requested my beneficiary to share his statement and on good faith he shared me the recording of his mobile banking which clearly shows his statements and its clearly shown that the beneficiary has not received the funds at all. 
When I shared this recording with my bank, they were still not able to figure out and they just said we dont know what we can do because one the money is out from your account its not in our hands anymore. 
I even told them to cancel this whole thing as the date for the money to be received was XXXX XXXX and still the beneficiary has not received the money. They did some paperworks for recalling the Wire but still it was of no use. 
I would like to get my money back at the earliest. 
Please look into it as it is very necessary because i am not able to get sufficient answers or help from my local bank.
Product: Debt collection

On XX/XX/2017  I canceled this account based on the Service Member Relief Act that allow Service members to break contract even 90 days after separation from XXXX XXXX. However, this Apartment Complex disregard my request and send an incredible amount of debt to Collections. I paid every penny before I leave the complex. A 60 days vacate notice were given ahead of time. 
Once I found about this collection debt I submit my dispute to XXXX. They successful delete this account from my credit score. However, XXXX and XXXX  doesn't want to delete it from my records. Their system doesn't even allow to upload documents to help to solve the dispute. I recently submit another dispute but XXXX disregard my claim. 
This negative erroneous account has damage my credit score for almost two years and is still there. 

Account Number # XXXX Name RENTDEBT AUTOMATED COLLE XXXX XXXX XXXX XXXX , TN XXXX ( XXXX ) XXXX Date Opened XX/XX/2017 Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$4700.00} Original Amount {$4700.00} Original Creditor XXXX XXXX XXXX XXXX  XXXX ( Rental/Leasing ) Past Due {$4700.00}
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX IS A VICTIM OF IDENTITY THEFT AND HAVE FRAUDULENT CREDIT CARDS, COLLECTIONS, HARD INQUIRIES PLEASE THESE ARE RUINED MY LIFE CANT GET CERTAIN JOBS OR OBTAIN CREDIT BECAUSE OF THIS FRAUDULENT AND SCAMMER WHO USING MY IDENTIFICATION EQUIFAX WILL NOT HELP ME XXXX XXXX XXXX Account Number : XXXX COLLECTION XXXX XXXX XXXX Reported : XXXX XXXX, XXXX HARD INQUIRIES XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX, I do not have a contract with Transworld Systems, they did not provide me with the original contract as requested.
Product: Debt collection

RGS Financial called me back in XX/XX/XXXX. I didn't know who they are, but the representative told me I owed a debt. I asked for their information so I can send them a letter in the mail. I sent out the letter XX/XX/XXXX asking for validation of the so called debt I am claimed to owe. This have been over 50 days ago and still nothing. So I go to look at my credit report and I see they have put the collection on XX/XX/XXXX under account # XXXX. This account is not mine, it says last payment was XX/XX/XXXX. This is not my account, two FDCPA laws are being violated here. One, not responding back with Validation of debt showing my signature on a contract. Second, reporting a so claimed debt that's past the Statue of Limitations and maybe Third, false re-aging of an account. Please see letter sent attached and theXX/XX/XXXX Reporting screenshot.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX for several serious violations of my consumer rights. Here are the issues I am facing : Privacy Violations : XXXX XXXX XXXX shared my personal financial information with third parties, including other financial institutions and credit agencies, without giving me the chance to opt-out. This is against both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Lack of Consent : I told XXXX XXXX XXXX that I did not agree to them sharing my information. They responded that they were allowed to do so according to their Privacy Policy. However, their policy should comply with federal privacy laws, which they are not following properly. 

Missing Documentation : I have asked XXXX XXXX XXXX twice for a complete record of my account, including signed documents from an authorized representative. They have not provided this information, which goes against the Truth in Lending Act ( XXXX ). 

Identity Theft : By sharing my personal financial information without my consent, XXXX XXXX XXXX is committing identity theft. This not only violates my rights but also uses illegal methods to collect debts. 

Invalid Contract : The contract or Promissory Note involved is not valid. It appears to be designed to commit identity theft, violate my rights, and illegally demand payments. This contract violates XXXX and other laws. 

I believe the contract is void and unenforceable, and I am seeking damages for these violations.
Product: Credit reporting or other personal consumer reports

Can you help me have the bureau remove inaccurate information I've found that there are tons of incorrect information reported on my file with the bureau. 

The only name that should be reporting is XXXX XXXX XXXX and the only address should be : XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that does not belong to me and i want it to be remove from my credit asap. 

XXXX  1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 
6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 


XXXX 1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following accounts listed on my credit profile, as they were opened or used fraudulently without my authorization. These accounts include : - **Account Name : ** XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ** XXXX - **Account Name : ** XXXX XXXX **Account Number : ** XXXX - **Account Name : ** XXXX XXXX XXXX **Account Number : ** XXXX - **Account Name : ** XXXX XXXX XXXX XXXX Number : ** XXXX These accounts do not belong to me, and I have no knowledge of their opening or usage. I suspect fraudulent activity has taken place.

**Actions I Have Taken : ** 1. I have already contacted the creditors associated with these accounts to inform them of the fraud.

2. I have filed a report with the Federal Trade Commission ( FTC ) regarding this matter.

3. I have placed a fraud alert on my credit file with the credit bureaus to prevent further unauthorized activity.

I kindly request that the CFPB assist in investigating this matter further and ensure the erroneous information is removed from my credit report promptly. Please let me know if you require any additional documentation, such as the FTC Identity Theft Report or a police report, to proceed with your investigation. 

Thank you for your time and assistance in resolving this matter.
Product: Debt collection

I would like the CFPB to enforce monetary damages as stated in invoice after 7 Days if the company does not remove the invalid debt from my consumer report and any other third party.
Product: Money transfer, virtual currency, or money service

XX/XX/19 opened account with Gemini, transferred in {$100.00} to purchase XXXX. Unable to withdraw funds until account is verified. Have been pending verification since XX/XX/19. No customer service support available.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First contacted XXXX, Experian, XXXX XXXX and XXXX XXXX XXXX about FOUR XX/XX/XXXX charged-off credit card accounts listed on my credit profile, the do not belong to me in XX/XX/XXXX. According to the credit reporting by XXXX XXXX XXXX, theses accounts were opened in XX/XX/XXXX-XX/XX/XXXX and closed XX/XX/XXXX-XX/XX/XXXX. I explained in my disputes in which I included copies of my drivers license and social security card that these accounts did not belong to me. I asked XXXX XXXX XXXX to provide positive proof of my responsibility for these accounts in XX/XX/XXXX and XX/XX/XXXX with no response whatsoever from XXXX XXXX XXXX. I resent these in XX/XX/XXXX certified Mail. All three credit bureaus have returned these disputes as investigated and as being mine on two occasions since XX/XX/XXXX with no evidence or proof I own these debts. No attempt to provide Proof of my responsibility in the form of an original credit application showing my name, an address Ive actually lived at, my social security number, and date of birth. So far, each credit bureau has returned results with no change, and XXXX XXXX XXXX does not provide any proof of my responsibility.
Product: Credit reporting or other personal consumer reports

I sent letters to Transunion in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX and no help I call the bankruptcy court and they informed me that Transunion has not reached out to them and its against the law to speak with them. The Fair credit act repair requires them to verify this information and they havent done so. Please have them remove this incorrect information from my report this is gendering me from purchasing a home and inquire a security clearance for my job
Product: Credit reporting, credit repair services, or other personal consumer reports

I am NOT HAPPY that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I requested Western Union to initiate a money transfer of XXXX to XXXX XXXX. Transfer number XXXX XXXX. The receiver could not pick up the money due to transfer issues with Western Union. Call back Western Union and they suggested I cancel the transaction and start a new one. I did as they suggested. Western Union has failed to issue a refund for this transaction. I have called 5 times now to follow up on the refund. The current escalation number is XXXX. When they issued the escalation number to me on XX/XX/2023, they said the issue would be resolved in XXXX to XXXX hours. Call back today XX/XX/XXXX, and XXXX days later they can not provide any updates on my refund. I need help getting my money back. Western Union is just stalling on this issue and is providing no assistance.
Product: Consumer Loan

I submitted a debt validation to this company under the Texas Finance code Section XXXX which requires a debt collection agency to provide specific information within 30 days. This company, although responded within the 30 days, did not provide the requested information. They only sent lease form and a claim form. It did n't include original date of non-payment with creditor, date debt was transferred from original creditor, and the Texas Surety bond information. Per Texas law, this is to be removed from my credit report immediately. 

Also this company threatened to garnish my wages and report me to an attorney which is not allowed in the state of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

Now I have submitted three times to have my credit report corrected thus far XXXX XXXX and XXXX have cleared the Data Furnishers unauthorized on my credit report. On XX/XX/XXXX, the bureaus stated that they did not know who was reporting the Public records Case # XXXX. I sent this information to the FTC was sent on XX/XX/XXXX, but lost my complaint in the mail room - tracking # XXXX. On XX/XX/XXXX, I submitted a complaint with CFPB in which I was unable to access my account. After numerous calls and with verbal verification XXXX was removing the unauthorized bankruptcy. I was to receive the letter from CFPB as of XX/XX/XXXX, I still do not have the letter. I was informed by the CFPB that the letter has been sent and that they can still see letter from XXXX agreeing to remove the unauthorized Data Furnishers. TransUnion and XXXX have stated they needed proof of my identity which is 100 % false. I was told by the CFPB today XX/XX/XXXX, that I needed to resubmit my claim for TransUnion and XXXX to remove the unauthorized bankruptcy. 

Complaints XXXX XXXX, TransUnion XXXX XXXX XXXX XXXX Public Records Caselaw Supreme Court Ruling XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Violations 5 USC 552a Violations 31 USC 3711 ( e ) Violations Public Records Act Violations Commercial Purpose Declaration 42.56.070 ( 8 ) Attached is proof of my submissions to TransUnion and XXXX. I am not including XXXX because they have removed the Data Furnishes.
Product: Debt collection

HEALTHCARE COLLECTIONS L XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Has XXXX collections against me for services provided by XXXX XXXX. 
1-XX/XX/XXXX for {$120.00} 2-XX/XX/XXXX for {$3700.00} Both charges were not to bill me but directly bill XXXX XXXX My insurance was in place from XXXX to XXXX XXXX XXXX. 
The hospital failed to file in a timely manner and are now sending to collections.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to Equifax disputing a XXXX payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the XXXX grace period : My payments were made on XX/XX/year>, which falls within XXXX  ' standard XXXX grace period. Therefore, the account should not have been reported as XXXX or XXXX days late. 
Clerical error by XXXX : My payment, though made on time, was incorrectly recorded as late due to a clerical error by XXXX. This resulted in the inaccurate reporting of a XXXX and XXXX late payment on my account. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payments were made on time, well within the grace period. This documentation proves that no late payment occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

phishing call from XXXX, claiming XXXX charge of an I phone from outside of the country wanted me to go to computer and fill out form for refund and got angry and said I would be charged if I did not, they hung up. There is no such charge on my XXXX account. XX/XX/2012 $ XXXX. First call was a warning to call that #, was given a name and an ID #, redialed and got further instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a Missourian in concert with the state law one has the right to bring civil action against anyone including a consumer reporting agency, inwhom improperly obtain access to a file knowingly misuses file data, or fails to correct inaccurate file data. My instant issue here is that I have sent a demand to all of the 3 major credit reporting agencies to either provide me with physical documentation of these unknown and unauthorized accounts reporting on my credit file or to block, remove and/or delete these items immediately Pursuant to FCRA 611 ( a ), and the FCRA. 

Accounts 1 ) XXXX XXXX {$4500.00} 2 ) XXXX  XXXX XXXX {$30.00} 3 ) XXXX   XXXX XXXX {$680.00} 4 ) XXXX  {$72.00} 5 ) XXXX {$71.00} 6 ) XXXX XXXX   XXXX  XXXX 7 ) XXXX XXXX XXXX {$140.00} 8 ) XXXX XXXX XXXX   {$5600.00} 9 ) XXXX XXXX {$2800.00} Please remove all the about accounts from my credit data file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disheartened to hear on XX/XX/2022 XXXX XXXX XXXX, chairman of a XXXX XXXX XXXX say that Transunion has longstanding problems with responding to consumers who raise complaints about credit reporting errors.They continue to report this error on my report and are refusing to re-investigate and resolve the matter. XXXX and XXXX completed their investigation and fixed the error on my consumer report with them but Transunion still refuses to correct their error. They will not send me copies of the documentation they used to verify the account is accurate. I also previously submitted several complaints with you that have not resulted in a resolution. XXXX XXXX XXXX also said that the majority of credit report disputes have not resulted in the correction or removal of reported errors from credit reports. This is completely accurate with my ongoing issue with Transunion. They have not corrected the error after numerous requests from me since the Corona Virus pandemic. I am demanding the CFPB step in and require them to immediately delete this account from my report.