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

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC  # XXXX DOB XXXX ADDRESS XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX NAME XXXX DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past XXXX months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting

YESTERDAY..TRANSUNION CONCLUDED INVESTIGATION ON XXXX XXXX ON THE RESULT ATTACHED transunion in the remarks says falsely and inaccurately that the account was settled for less than balance.I want complete information to report, I want the amount I paid on XXXX/XXXX/2016 to be the recent payment : {$260.00} and amount paid {$260.00} on the report.I want {$250.00} to stay on the report as the correct amt. of original collection.I have included creditor letters. 
IF TRANSUNION DOES NOT REPORT THE AMOUNT ACTUALLY PAID ON THE REPORT ... TRANSUNION MAY BE AIDING AND ABETTING AND CONSPIRING WITH XXXX IN A CA ROSENTHAL FDCPA VIOLATION OF ARTICLE 2.6. ( ATTACHED ) additionally today transunion would not start a dispute on the phone or on-line.I called XXXX two times was transferred 4 times each until I was left with a voice-mail. 
I clearly stated the purpose of my call to XXXX different people to dispute on my credit report. 
The previous CFPB INVESTIGATIONS SHOW THAT TRANSUNION HAS A PATTERN OF VERIFYING SERIOUS FALSE, DAMAGING INFORMATION ON MY CREDIT REPORT.
Product: Credit card

My complaint involves the XXXX XXXX XXXX XXXX by US Bank not applying the appropriate rewards for transactions. This card should apply XXXX  % cash back rewards for insurance purchases up to {$XXXX} per year. 

In XXXX of XXXX, I paid my XXXX XXXX XXXX XXXX policy with the XXXX XXXX XXXX XXXX card. The bill was around {$XXXX}. The statement that month accurately reflects a XXXX   % reward. In XX/XX/year>, I paid my XXXX XXXX XXXX XXXX policy with the same card. The bill was around {$XXXX}. The statement only showed a XXXX % reward for this transaction. No other purchases were made on this card in XXXX. 

On or around XX/XX/XXXX, I called US Bank customer service to report this issue. They took notes of the issue and said I would be contacted by mail in XXXX weeks. On or around XX/XX/XXXX, US bank contacted me by mail to say that they were still investigating the issue. I have received no further updates and the rewards balance has still not been corrected as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Convergent Outsourcing, Inc., is continually contacting and harassing me about account # XXXX. The account is a fraudulent account and the result of identity theft. I am a victim of identity theft and the fraudulent account is not mine and dont belong to me. I been receiving repeated phone calls from Convergent representatives who have been harassing me, using abusive and profane language and threatening me with wage garnishment, arrest, jail and prison time all for a fraudulent account thats not mine.
Product: Debt collection

At the start of XXXX I purchased a month-to-month service with XXXX XXXX. This would provide my house with internet on a monthly basis after payment. If I don't pay, I do not get XXXX. 

After relocating, they kept the Internet running without payment. I was not notified nor was I asked to provide payment. There was no contractual agreement that would allow for them to rack up debt for services rendered that were not directly provided to me. 

Without proper notification from XXXX about the Internet fees, a collection agency purchased my debt. I filed a dispute with them back in XXXX of XXXX and was not informed following this dispute. 

Skip ahead to XX/XX/XXXX, the debt is sold to XXXX XXXX XXXX 

I called XXXX XXXX XXXX XXXX my former disputes being ignored. They said this is out of their control and they would have to open up a claim. 

I demanded proof of debt. The man over the phone told me that this is not their responsibility ; that the burden of proof lies on me. That it is my responsibility to provide proof. I told him this is in violation of my consumer rights and that if the company feels they are owed money, it is their responsibility to prove it. This is where he told me " XXXX appreciates your business '' and hung up on me. No resolutions. 

I called back in which yet another irate employee told me they will send me an itemized statement from XXXX. Again, no proof that I owe them money -just a list of what XXXX claims I owe them. 

It has been over a year and I still have yet to see any documentation from any of these entities proving that I owe money to XXXX. I am being strong armed and neglected by these agencies and the only option they are giving me is to cough up the money.
Product: Checking or savings account

Originally on XX/XX/year> I purchased an engagement ring through XXXX. Unfortunately the ring was sent to the wrong address because XXXX dropped it off at the wrong address. I contacted XXXX and they did an investigation, which concluded with them finding that they indeed made an error and sent the package to the wrong address. 

I was going to XXXX in XX/XX/year> and was planning to propose there. XXXX and the resolution center was taking a longer time to resolve the issue. I then reached out to Wells Fargo. Wells Fargo gave me a credit for the purchase. During which time I was unaware that Wells Fargo needed additional information from me. Today XX/XX/year> Wells Fargo reversed the credit citing that I had not responded to a postal mail request from them. However, all my preferences for communication are set for email. 


My account is currently overdrawn because I reached out to Wells Fargo for help. If it was a matter of simply sending them in anything I was more than able. I still have all the correspondence between myself, XXXX and XXXX. This is all because the engagement ring I ordered went to the wrong address. I am currently unemployed and my unemployment insurance has been very essential to my well being and now I am in a much more challenging place because of my bank.
Product: Checking or savings account

When I opened my account with Ally ( formerly XXXX ),  they were representing themselves as a NO TRANSACTION FEE banking alternative to the traditional greedy way banks operate. In particular I asked it Wire Transfers, In and Out, were free of fees and was told YES. Over the years I have and continue to have funds wired INto the account and on occasion, I wire funds OUT of the account and as it was represented, there were no wire transfer fees. 

That was until yesterday when I processed a Wire Transfer OUT of the account. They charged me {$20.00} to process the Wire Transfer transaction. This is ILLEGAL and what is referred to as BAIT AND SWITCH. 

I DEMAND my {$20.00} refunded and an additional {$60.00} to cover the time I would otherwise not have had to spend calling them and now having to process and submit this complaint due to their illegal and greed Bait and Switch tactics. 

TOTAL DEMANDED : {$80.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019 I have been involved with an ongoing dispute with Sagestream LLC. They provided information that caused me to be denied a loan. They have not answered any of my questions satisfactorily, they have used legal jargon to obfuscate the true meaning of there intentions, and they have shirked responsibility at every point possible. Recently, they denied giving me any information based on the fact " My identification I sent them was blurry. '' They had my phone and fax number so they could have contacted me using either of those to tell me my identification wasn't acceptable but they chose not to which leads me to believe they are deliberately and maliciously withholding information from me and I accuse them of which. In their responses they keep stating : " SageStream is a consumer reporting agency that prepares consumer reports and credit scores for its clients who are typically credit grantors ''. however this is affecting my life due to the fact I have been denied credit based on the information in their reports.
Product: Credit card or prepaid card

Listen simply stated, I found an issue based on a store card through Synchrony back in late XX/XX/XXXX in which a rep from Synchrony advised me, that my interest payments on a long term promotional purchase was not being paid off the way I intended. She looked back over my card going back 2 and a 1/2 years to find interest charged and fixed it. She told me a setting was needed to make sure interest was paid off on promotional balances " First '' and I needed to set that up. Since this was NEVER brought to my attention, I was thankful and luckily at least that was fixed. SHE told me to check my other Synchrony based cards and I did to no surprise, finding similar interest issues. So I have contacted Walmart Cards reps to get this resolved only to get canned responses and basically answers to questions that sound like they just deny me without even looking into my issue. This morning was the FINAL straw! NOW, reps are claiming that they have no notes from my older conversations and that even if I have claims going back to XX/XX/XXXX, they have been resolved, even though they can not cite to me how or produce proof why. They are basing their conclusions on NO NOTES. This is WRONG. I was promised an interest charge credit for XX/XX/XXXX for {$120.00} now going on a month and I still get a run a round answer
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Collection account 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 has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 


And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

I recently received a statement from Radius Global Solutions LLC, the letter is dated XX/XX/XXXX, but I received the letter either early or late last week. The first paragraph states the creditor will accept {$54.00} to resolve my account if the payment is received by XX/XX/XXXX. I attempted to pay the amount listed above online but was unable to. I contacted Radius Global Solutions LLC and was told that the debt was no longer with their agency. After reading the letter to the representative, I was forwarded to a supervisor who informed me that as of XX/XX/XXXX my account had been transferred to another agency. I informed the representative that the letter that was sent to me wasn't being honored and provided the information according to the letter that I had till XX/XX/XXXX to resolve my debt by paying the amount of {$54.00}.
Product: Debt collection

To Whom It Concerns : I have previously sent you a request to validate an alleged debt under the Fair Debt Collection Practices Act and all I received were dates of electric service spanning from XXXX to XXXX, along with the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. This inaccurate document contains no accounting of any payments made nor missed, nor the dates on which those payments were made or missed. There isnt even any documentation with my signature on it that proves this is even my account at all. This information could have easily been drawn up and sent by anyone. Your verification document in no way provides sufficient verification of this alleged debt. There isnt any legitimate, verifiable proof that I owe anything to your Company and I don't. 

This collection on my credit reports are causing me severe problems in trying to purchase a home and the damages could lead into the $ 1000s. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. The Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report. Therefore, if you do not immediately remove this account from all Credit Bureaus, you are subject to another {$1000.00} FCRA violation fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

I intend to follow through with the suit if these unverified charges are not deleted from my credit reports within 15 days. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions it lists me as an authorized user, and this account belongs to an ex-spouse.
Product: Credit reporting, credit repair services, or other personal consumer reports

A notice of dispute and XXXX XXXX XXXX was sent to XXXXXXXX XXXX XXXX XXXXXX/XX/2022, and signed for at their office on XX/XX/2022. A copy of that letter is attached to this complaint. XXXXXXXX XXXX did not reply and only put a dispute notice with XXXX of the credit reporting agencies. There is conflicting information being reported amongst all XXXX major agencies which is a violation. XXXX XXXX continues to report this false information, and the credit reporting agencies have made no effort to confirm that any of this information being reported is correct.
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 1681 section 604 A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX has had a car loan with California Auto Finance since XXXX of XXXX. I have been late on my payment once. As of XX/XX/XXXX, all three credit bureaus have my status as CLOSED. This account is not closed, I am currently up to date with my car payments. I have disputed this at least 10 times and my status has not changed. XXXX says in their records it shows auto loan open. The credit bureaus said that in their records it shows closed. Someone is not on the correct page and this is affecting my credit. I am trying to buy a house and I cant because this status has not changed. I have reached out to all credit companies and my car loan bank and no one is helping.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with an accurate consumer. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX - Account XXXXXXXX XXXX XXXX XXXX - Account NumberXXXX XXXX XXXX - Account NumberXXXX XXXX XXXX XXXX - Account NumberXXXX XXXX XXXX - Account NumberXXXXXXXX XXXX XXXX XXXX XXXX  - Account Number:XXXX XXXXXXXX XXXX XXXX  XXXX Account NumberXXXX XXXX XXXXXXXX XXXX XXXX  - Account NumberXXXX DEPT OF ED/XXXX - Account NumberXXXXXXXX XXXX - Account Number:XXXX XXXX XXXX XXXX Account NumberXXXX XXXX XXXX XXXX - Account NumberXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$4300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$4100.00} XX/XX/XXXXXXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  {$1900.00} XX/XX/XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX {$980.00} XX/XX/XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX XXXX  {$800.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX These are a vast number of unauthorized inquiries.