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

On XX/XX/XXXX I pulled my Transunion consumer report and noticed some accounts that were not permitted to be reported, and which I contested, and Transunion deleted dated issued XX/XX/XXXX. By them deleting the collection accounts they are held civilly liable for the violation in which my reputation, character, and ability to obtain credit have been damaged. Pursuant to 15 U.S.C 1692.

Here is a list of the violations as shown in the letter attached : 15 U.S.C 1692e 2 ( A ) 15 U.S.C 1692e 14 15 U.S.C 1692c 15 U.S.C 6802 a 15 U.S.C 6802b 1 15 U.S.C 6802 b ( A ) 15 U.S.C 6802 b ( B ) 15 U.S.C 6802 ( C ) 15 U.S.C 1681b ) 15 U.S.C 1681b ( A ) 15 U.S.C 1681b ( A ) 2 15 U.S.C 1692j 15 U.S.C 1611 U.S.C 45 CFR 164.502 ( d ) 15 U.S.C 1681a 4 15 U.S.C 1681a 3 ( a ) ( b ) ( c ) 15 U.S.C 1681b 4 I am demanding monetary relief in the sums of {$16000.00} from Transunion. 

Attachments Affidavit of truth XX/XX/XXXX Investigation Results XX/XX/XXXX Updated credit report with the deleted collection accounts XX/XX/XXXX Invoice sent XX/XX/XXXX XXXX receipt stamped XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The companies below have violated the Family Educational Rights and Privacy Act of 1974 that protects the privacy if student education records. 20 USC 1232g ( b ).
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX - Opened XX/XX/XXXX with a balance of {$2400.00} XXXX  XXXX - Opened XX/XX/XXXX with a balance of {$770.00} XXXX XXXX - Opened XX/XX/XXXX with a balance of {$1200.00} XXXX XXXX XXXX - Opened with a balance of {$1700.00} XXXX XXXX - Opened XX/XX/XXXX with a balance of {$2000.00} There are also unauthorized fraudulent inquiries that i do not recognize with : XXXX - XXXX XXXX, XXXX XXXX XXXX  XXXX  - On XXXX XXXX XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been living abroad for sometime and just returned State Side and can came home to a bunch of unauthorized fraudulent accounts under my name and social listed on my credit reports : I've reach out to law enforcement and FTC regarding my concerns. Ive also tried to reach the various credit bureaus to no avail. The following fraudulent accounts need to be removed from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached ID theft report I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me.
Product: Credit reporting or other personal consumer reports

Removing auto loans from your credit report can be challenging, especially if they are valid accounts. However, if you believe there are inaccuracies or you want to address negative impacts from these loans, here are steps you can take : XXXX. **Review Your Credit Report** : Obtain a copy of your credit report from all three major credit bureaus ( Experian, XXXX, and XXXX ) XXXX You can get a free report once a year at XXXX. 

XXXX. **Identify Errors** : Look for any inaccuracies related to your auto loans, such as incorrect balances, payment history, or accounts that dont belong to you. 

XXXX. **Dispute Inaccuracies** : If you find errors, you can file a dispute with the credit bureau reporting the incorrect information. Provide documentation to support your claim, and the bureau will investigate within 30 days. 

XXXX. **Negotiate with Lenders** : If you have paid off an auto loan but it is still showing as a negative account, you can contact the lender to request a goodwill adjustment. If you had a good payment history, they might agree to remove the negative mark. 

XXXX. **Pay for Deletion** : In some cases, lenders may agree to remove a negative account in exchange for payment. This is known as " pay for delete. '' Be cautious, as this practice is not endorsed by credit bureaus.

6. **Wait for Time to Pass** : Negative information, including late payments and defaults, typically remains on your credit report for seven years. If the loans are old, they will eventually fall off your report.

7. **Consider Professional Help** : If youre struggling to remove negative items, you might consider working with a credit repair agency. They can help you navigate disputes and improve your credit.

8. **Build Positive Credit** : Focus on building positive credit history by making timely payments on any remaining accounts, using credit responsibly, and keeping your credit utilization low. 

Remember, its important to maintain accurate and truthful information on your credit report. If you have further questions or need assistance with a specific situation, feel free to ask!
Product: Credit reporting, credit repair services, or other personal consumer reports

Requesting XXXX to Restore my points between XXXX XXXX thru XX/XX/XXXX, totaling.XXXX.Reqesting TransUnion to Restore my Points between XX/XX/XXXX thru XX/XX/XXXX XXXX have been XXXX XXXX customer since XXXX and during that time, I have enjoyed my experience with XXXX XXXX greatly. I am writing to see if you would be willing to make a & quot ; goodwill & quot ; adjustment to your reporting to the three credit agencies. I have three late payments on the above referenced account that dates back to XXXX. Since that time I have been in exceptional customer paying every month on time. because of my exceptional history over the last two years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that XXXX XXXX, XXXX, TransUnion and XXXX is willing to work with me on erasing this mark from my credit reports. I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX. with todays credit industry so competitive, I know how important it is to maintain good relationships with customers.XXXX  XXXX has been exceptional in my book so far, and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX is heads above the rest.I look forward to your reply.
Product: Checking or savings account

Yes I went to make a few transactions they were declined they put my card on hold and now they're making me wait over 24 hours to have access to my funds when I need my funds to buy groceries for me and my kids I explain that to them I explained to them that a security hold I should be able to identify myself and they should be able to take it off and they said no you're going to have to wait 24 to 48 hours I'm not going to be told what to do with my money when I need it because their system wouldn't let me purchase what I was trying to get.
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 U.S.C 1681. 
XXXX, Equifax, XXXX all have different information reporting on my credit report XXXX  XXXX XXXX account numbers : XXXX XXXX XXXX XXXX account numbers : XXXX XXXX XXXX XXXX account numbers : XXXX XXXX XXXX XXXX account numbers : XXXX, XXXX, XXXX XXXX XXXX XXXX account numbers : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX  account number : XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX  account number : XXXX, XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX 15 USC 1681 Section 602 ( A ) States I have the right to privacy 15 USC 1681 Section 604 ( a ) States a consumer reporting reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) 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 USC 1681n ( a ) ( 1 ) ( a ) states any person willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum. Also, any actual damages sustained by the consumer as a result of the failure or damages of not than {$100.00} and not more than {$1000.00}.

15 USC 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: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every year I request through the Annual Credit Report site and Experian never give me access to it. I tried calling the company but cannot get a live person. I have mailed documents to Experian as they request on the website but never mailed the report .
Product: Credit card

On XX/XX/XXXX16 I shopped at an XXXX store wherein I had a large purchase. During the checkout process, the cashier said that if I applied for a store credit card, I would save 15 % off my transaction and I really should do it based on how much money I was spending. I said " No thank you, my husband will kill me if I opened a credit card, I will pass. '' The cashier said that I had the option to fill out the application but I do not have to submit it. This obviously sounded too good to be true but she ensured that she would n't be submitting any app since I declined and I would be using my card for the purchase. I took it as an employee thing where they just need to show filled out applications to show that they were offering it to customers. At the end of my transaction I again confirmed that I was not submitting any application and I was assured that I was n't. I swiped my card, signed for the transaction as I was told and went on my way. I did not realized that I was lied to about this until later receiving a card in the mail. I immediately contacted the credit card company on XX/XX/XXXX16 and explained what happened. I was told by the representative that they would close the card AND DELETE THE ACCOUNT OFF MY CREDIT REPORT. I explained that I did need to return some items ; therefore, the rep instructed me to return them on the account and then contact them back to proceed with closing the account and removing it from my report. I went to the store the same day and made the return as I was instructed. A few days later I contacted the company back to proceed. This is when the associates became rude and combative stating that I agreed to terms and signed for them. This is untrue as I was told I was signing for my purchase on my card and I was n't submitting anything! So essentially, it 's not safe for me to shop at old navy unless I use cash only because I would have no way of knowing what I am signing for because the reps selling the credit card lie. I escalated my concerns with the credit card company and they advised they would investigate this but it would take 60 days. I just received a letter in the mail stating the card will remain on my credit file as I agreed to open it. This is again false. I am confident in my rights as a consumer and very familiar with the laws. I know that per FCRA a financial institution is not required to report an account, but if they do then they must report accurately. Therefore, there is no reason why they will not remove the account that I never even authorized to be opened in the first place. Especially after I was told by their company that they would delete it originally. Why is this call not being reviewed and why are they not holding themselves accountable?
Product: Debt collection

Credit Collection Services was asked to validate the said debt in the amount of {$330.00} which they are currently reporting on my credit report. Each time they sent me papers that only is a statement of account. They have yet to send me any actual proof with my signature on it tying my to the debt. Under the New UCC Laws and, because of the previous XXXX XXXX Scheme debt collectors must provide original contract of debt. In which this company has not and fail to do so. I've asked them for the past two years and they continue to report this information. My next step is court. They had had over 45 days to comply this information needs to be removed immediately along with the constant hard credit inquiry pulls they have been making on my credit report.
Product: Credit reporting

NCB Management ( XXXX ) was deleted from CR and then re-added without any notification. Added as a new collection which is not true. Also Incorrect Balance owed reporting
Product: Credit card or prepaid card

I have a credit card that I applied for with Chase bank 10 years ago ... At the time I was in my XXXX 's not really understanding the importance of good credit. I am now XXXX years old and decided that I want to pay off all of my debts. I do not want to owe anyone or any bank any money ... My credit score is currently XXXX and I am working hard to bring my score up even higher and possibly re-apply for a chase credit card. I have been trying to contact Chase bank about this 10 year account to pay it off but they lead me to a company that no longer has this account. They are telling me that the account is lost in files. and they are unable to accept a payment from me. 

( I DO NOT REMEMBER THE COMPANY NAME BUT I DO HAVE THERE NUMBER ) XXXX LAST 4 NUMBERS OF THIS CARD IS # XXXX So I decided to call Chase back to see if they are able to accept this payment of {$500.00} dollars because I just want to pay off my pass debt with Chase bank.. They are telling me that they are unable to accept a payment from me because this account is no longer with Chase Bank ... 

This account is hurting me financially and mentally because its being reported as a collection once Chase pulls up my name in there system. I am no longer in my XXXX and I dont deserve to be looked at as some one who has an account that is in collections if Im actually really trying my best to pay off my debt ... I also have three accounts with Chase Bank. Two business accounts and one personal account that brings in cash flow so I feel like they shouldn't treat me like this ... 

I spoke to a representative, a supervisor, a manger, dispute office and no one is able to help me!!! 

I tried to get Chase Bank corporate phone number from the manger on duty but he was unable to give me that information ... I am completely lost and dont know what else to do about this situation
Product: Credit card or prepaid card

Issues : 1. Fraudulent equipment/Fraudulent warranty sold by XXXX/XXXX  using XXXX XXXX as XXXX XXXX XXXX. 

2. Bad faith treatment by Capital one in handling of Fraud charge. 



TIMELINE : XX/XX/2018 Purchased 2 XXXX XXXX computer servers from XXXX for {$3100.00}. 
Paid an extra {$200.00} itemized XXXX  processing fee for the fraud protection the credit card afforded me. Received no invoice or receipt from Merchant, they gave me a tracking number via the website. 

XX/XX/2018 - Received 2 - unmarked servers with no visual markings that they were what I had ordered. ( see photo XXXX. ) They worked at the time so I didnt make an issue of it. 

XX/XX/2018 - Machines shut down suddenly. After rebooting them, they overheat ( 100+ Celsius ), which is dangerous, previously they ran around 80 Celsius. I contacted XXXX/XXXX and received no response. 

XX/XX/2018 - Tried reaching XXXX/XXXX to no success. Upon closer inspection of the units it is discovered that the processing chips are actually old Bitmain ( a competitors ) XXXX cards. So the units that we bought not only dont work, they were stolen from a competitor and purported to be original. 

XX/XX/2018 - Finally received word back from XXXX/XXXX. They claim that they have no record of a purchase by me and therefore will not honor the warranty. Furthermore they claim that they never accepted credit cards. Since they were clearly misrepresenting themselves with my purchase and a trail of Credit Card details on their XXXX page, I filed a dispute with Capital One. 

XXXX - Capital one begins dispute process and removes charge from card. 

XX/XX/2018 - Capital one denies charge, fails to acknowledge fraud claim and misrepresentation by the merchant, supplies an illegible processing form from XXXX. They also claim that they spoke to the merchant, which they in fact did not. They only spoke to the intermediary bank. They ask for follow up documentation which I provide. 


XX/XX/2018 - Capital one denies the claim, doesnt acknowledge fraud and misleading representation by the merchant. They ignore the black and white fraud that the merchant is committing. 


At this point Capital One is acting in bad faith. They havent contacted the merchant, yet have said that they have done so, but in black in white there is no response from the merchant, only the banking intermediary. 

XX/XX/2018 - I submitted the case to the CFPB in hopes that they can get this issue resolved.
Product: Credit reporting or other personal consumer reports

I have disputed these accounts with this company and told them I was deemed XXXX and my accounts were supposed to be zeroed out because I was paying an additional fee each both on my accounts to protect me if I loss y job or became XXXX. I told this company I am I litigation with the company and the insurance and those accounts with the are not valid. This company, MCM, stated they were processing a dispute and the accounts are still on my credit and they are fraudulently posing as lawyers and threatening me.
Product: Credit reporting or other personal consumer reports

It appears that no investigations were conducted on any of the accounts in question. Should there have been any such investigations, I find it challenging to understand how a collection agency could validate any claims, given that I have never entered into a contract with them. If it is the case that every company involved has verified the accuracy of the information, I request to see this confirmation in writing. 
See complain number for reference XXXX.
Product: Credit card or prepaid card

I received a US Bank ReliaCard that says it was for Washington DC unemployment benefits. 

I did not apply for those benefits, and I researched and discovered there is a scam in many states where people 's identities are being used to file false unemployment claims. 

I called the DC office on unemployment and when I indicated that I was calling about a debit card they transferred me over to U.S. Bank. 

One of the first statements the online recorded voice made was ( If you are calling about a card you received that you did not request, press # 1 ).

I pressed # 1 and was told that this was an invalid entry. Then it asked me to punch in the 16 digit card number again ( Which I hadn't been asked to do before ). 

I punched in the number on the card I was sent, and was told this was an invalid entry. I stayed on the line, and finally got to a point where they said I could wait to speak to somebody. Then it said the wait time will be ... ... .and it hung up on me. I've tried to get through to them but can not. 
When I researched online people in other states with the same scam have posted " Good Luck Trying to get through ''. 

This is a company that the government is using to fund money going to people. It is ridiculous that there isn't a rule that these companies must make themselves available to calls. Additionally, the longer I have to wait, the more likely this identity theft is going to impact my credit. 

I am requesting 2 resolutions. 

1. U.S. Bank Reliacard needs to provide an easy webpage to report fraud, and they need to have an easy call in system for people to get ahold of them. 

2. States or areas like DC that are using U.S. Bank Reliacard should not pass you off to U.S. Bank until they fix this problem, and should take the reports of fraud and deal with the bank directly.
Product: Credit reporting or other personal consumer reports

I have been subjected to undue stress, XXXX, and mental suffering as a result of the actions taken against me, which has made me feel like I am being bullied and unfairly targeted. I have been trying to fix my credit report for years. Under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws, I have the right to challenge any form of debt reported on my credit file and seek validation of such obligations. I have never received any verifiable evidence of any obligation. The stress and XXXX  have significantly impacted my daily life, causing loss of sleep, decreased productivity, and overall emotional distress. If the account is Verified as " COMPLETE AND ACCURATE '' why is there still PAST DUE charge off accounts on my credit report? Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, The source of this mental anguish stems from these inaccurate, unverified, incomplete accounts on my credit reports and actions taken that have no basis in law or fact. Charge off as defined in Publication 4681 by the Internal Revenue Service ( IRS ), is considered as income, not a debt obligation. Therefore, it is my belief that the account should reflect a XXXX balance in terms of past due amounts, as it is not indicative of a traditional debt. This discrepancy is causing a misrepresentation of my financial history and have implications on my creditworthiness and has inflicted substantial harm upon my financial stability and personal reputation, arising from the unjust denial of my application with the United States Capitol Police. The rejection is rooted in false and incomplete information reported in my credit report, errors that were apparent and easily verifiable. Therefore, I contest any reported debt until such validation and evidence are provided. The certificate of financial statement should reflect the negative accounting I owe, for example : XXXX ( XXXX ). Specifically stating whether I owe or do not owe any actual red numbered negative amount of debt. If no proof of negative accounting exists, I request that negative reporting cease immediately.