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

Account Numbers : XXXX & XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection accounts are listed as having a balance of {$240.00} and {$54.00} respectively. This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards as collections should not be reported with a past balance or balance.

According to the Fair Credit Reporting Act, I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate.

Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with ALL METRO2 reporting standards and this account removed upon completion. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing a charged off account from XXXX XXXXXXXX XXXX  and I know according to the law I was supposed to receive a 1099c form when this debt was charged off by the IRS. Therefore I am requesting the 1099c form. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy 15 USC section 604 ( A ) sec 2 a consumer reporting agency cant furnish my account without my written consent. According to 15 U.S Code 1681b A consumer report can be furnished if the consumer provides written consent. This ensures that consumers have control over who can access their personal credit information in which this case I did not provide, this account needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XX/XX/2023 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

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX, XXXX, XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : Complaint Against TransUnion 's Noncompliance with Final Rule 1022.142 ( b ) ( 6 ) and 1002.142 ( b ) ( 2 ) Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for their willful noncompliance with the Final Rule 1022.142 ( b ) ( 6 ) and 1002.142 ( b ) ( 2 ) regarding the blocking of adverse items in my credit report that are the result of XXXX  XXXX. I am a XXXX  XXXX XXXX  and have submitted all required documentation to TransUnion, including victim determination documents from authorized non-governmental organizations, a signed self-attestation statement, and proof of identification. Despite providing the necessary documentation on two separate occasions, TransUnion has refused to block the items in my credit report that are directly linked to XXXX  XXXX. TransUnion has insisted that I obtain a determination from another governmental agency, which is not a requirement under the law. Their refusal to accept the documentation provided has resulted in a denial of my dispute twice times, preventing me from exercising my rights as a XXXX  of XXXX  XXXX. I urge the Consumer Financial Protection Bureau to investigate TransUnion 's actions and ensure their compliance with the law. I request that the CFPB intervene to compel TransUnion to block the adverse items in my credit report that are the result of XXXX XXXX, in accordance with the Final Rule. I kindly request that this case not be closed until TransUnion has taken the necessary steps to remove the items in question from my credit report. Thank you for your attention to this matter. I look forward to your prompt action and resolution. Sincerely, XXXX XXXX XXXX ( Please respond by email only or phone call ) ) XXXX, or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following inquiries and accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any these unauthorized inquiries as well. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$12000.00} XXXXXXXX XXXX Balance {$3600.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXX  Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXXXXXX XXXX TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent.

Please remove, block or provide me with your investigation results in written form through the USPS for this account : XXXX XXXX
Product: Credit card

If you review the attached records, I have been paying these credit purchases off before the cycle closed and am still being billed financial charges on purchases that I have paid off in full and before the ending cycle date or closing date.

I have attempted to discuss this with the customer service representatives and they seem not to be able to add the payments over the last three-month period and look at the purchases and see and understand that the payments have always been more than the purchases and they still charge me financial charges. If I have paid you {$2900.00} one month against a balance of {$3000.00} does not give you such rights to charge me for the entire purchases that I have paid off before the cycle closes or even if the cycle closes, I still should not be charged financial charges for the complete purchases made. 

The previous month, I paid you {$4000.00} against purchases made for that month totaling {$3000.00} and you still charged me financial charges combined the two together and you have been paid a total of {$6900.00} on purchases in the amount of {$6000.00} and you still charge me financial charges. When I have paid such account overage in the amount of {$980.00}. 

This just does not add up. 

I need a full review and refund of my interest charged back to my account or I will have to cease doing any kind of business like this. 

This is intentionally robbing the customer in hope that such is not noticed.
Product: Checking or savings account

I have had a Marcus by Goldman Sachs savings account for many years. I have never over drawn or caused any issue. On XXXX XXXX, at marcus.com, I used marcus ' online ach eft system to transfer to marcus from my Iinked external savings account at XXXX XXXX {$100000.00}. Transfer completed and all funds were clearly stated as available after the stated 7 day hold. I then submitted, using the same marcus ach eft system at marcus.com, the same type of transfer out of marcus to my linked external savings account at XXXX XXXX. I have done these same type of transfers on an occasional basis over the years with no problem. At approximately XXXX mst on XXXX 2024, I received a call from Marcus rep XXXX stating he had reversed the transfer. After his lengthy and undocumented reasoning for reversing my transfer, I spoke to a supervisor. They said my {$100000.00} could only be ach eft transferred back to XXXX XXXX or after 6 months at Marcus, could be transferred elsewhere. I asked where these requirements were stated on marcus.com. They said the deposit disclosure agreement ( dda ). After rereading all of the dda and faqs and finding NOTHING REGARDING limitations on which external linked bank accout I transferred to ( except that it was in my name, and it is ). I called on XXXX and received a call back as I requested, from supervisor XXXX. I asked her to tell me where I could find these rules. After waiting lengthy hold times, her best result was paragraph g on pages 9 and 10. To paraphrase, it states Funding with a Gift or debit card is not allowed, which I do not have and was not using. The {$100000.00} left marcus savings on XXXX and were back in XXXX. Both supervisors stated on recorded calls, I would earn Marcus interest ( then at XXXXapy ) for XXXX as well as all days the {$100000.00} was in my marcus savings. I am requesting I am allowed to transfer my available {$100000.00} to my linked XXXX XXXX XXXX savings. Once there, my {$100000.00} willbe at XXXX apy. I also want this additional interest of XXXX - marcus ' apy for XXXX thru the date when my {$100000.00} leaves marcus to go to XXXX.
Product: Credit card or prepaid card

I have had a XXXX XXXX credit card for at least two years and have used it many times and paid in full. Currently have a XXXX  balance out of a {$1500.00} credit line. I like to use it for the rewards and XXXX gifts. Well, Capital One recently took over XXXX XXXX XXXX accounts. It was formerly XXXX XXXX Once they took over, they sent me the usual notifications letters, terms, as well as a new card. Then, suddenly, on XX/XX/XXXX, I find a " closed account '' and " restricted account '' on my credit bureau and my online account. Unreal, this is the forth time Capital One has closed my account for no reason. I last used the account in XXXX of this year, so I don't buy non use of the account as a justifiable reason. It's useless to call and speak to a rep because they simply say it's their right to close for no reason. Yes, I had a bankruptcy in XXXX when I had a XXXX XXXX XXXX on the job and I needed protection from relentless creditors calling ; all of which when I received my settlement, I voluntarily paid ALL of my debt. Therefore, Capital One was paid in full plus interest. Recently they granted me a credit card, sent it to me, and closed it before I could even activate it. This is ridiculous! U have XXXX  balance on 12 credit card accounts. And two revolving accounts with 0 % interest lawn mowers, otherwise they would be XXXX. I am sick and tired of Capital One destroying my credit. And XXXX XXXX  is one of my favorite stores, now I will not be abled to enjoy the 10 % rewards while shopping there. Capital One needs to be held accountable to a higher force for unjustifiably stripping honest customers of their credit card. Two years ago they closed another account for using it beyond their expectations. What? I bought my son tires for his pick up on credit and immediately paid them off. This company is unfair and needs to be stopped. I would appreciate your help in holding them accountable. As a consumer, my hands are tied. In their lengthy pamphlet they can do whatever they want with no reason. How is this fair?? Thank you. Any help will be appreciated.
Product: Credit card

I am writing to file a complaint regarding Citi 's handling of a membership fee on my Citi AAdvantage credit card. When I signed up for the card, I was informed of a promotional offer that waived the membership fee for the first year. 

Before the year was up, I contacted Citi to convert my card to a no-fee credit card to avoid the membership fee. I was told by Citi 's customer service that I could not convert the card until the one-year promotional period was complete. They also assured me that if the membership fee was charged after the one-year period, it would be refunded once the card was converted to a no-fee option. 

When Citi notified me that the membership fee was about to be charged, I called again and converted the card to a no-fee option as instructed. However, the membership fee has now appeared on my statement, and when I contacted Citi to dispute the charge, they informed me that the fee could not be refunded in full. Instead, I was told I would need to pay a prorated amount for the period until today. 

This contradicts the assurances I was given multiple times, both when I initially inquired about converting the card and when I converted it to a no-fee option.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. I apply for a home using a rental site called XXXX. Upon reviewing my application on the site. I immediately notified my report has a lot of fraudulent information on my account. I notified XXXX whom informed me that they have no control over the reports and provided me with the number to a department in Transunion who control all residential information. Upon reaching out to Transunion residential department. I was informed that the information showing if indeed is incorrect they cant remove factors.
Product: Debt collection

In the XXXX, I became aware of my identity information being fraudulently used to lease an apartment in another state, resulting in collections activity. I notified the collections agency, Executive Credit Management, and provided the requested documentation. On XX/XX/2021, I received a letter from XXXX XXXX at the company stating they had confirmed my information was fraudulently used. Additionally, she stated that they had closed my file and rescinded all information sent to the credit reporting agencies as of the date of the letter. 

I also reached out to XXXX XXXX XXXX complex and provided them documentation of my stolen identity. Though initially helpful in confirming that the identity document provided by the thief was fraudulent, they never confirmed they had closed the debt. I reached out more than once by email with this request. 

On XX/XX/2021, I received a collections notice, again under the last name used fraudulently, threatening to pursue further collection efforts for the same debt they stated they had closed. I believe this is an attempt by the company to collect on a debt they know was fraudulent and does not belong to me. 

To note, with initial belief that the telephone calls from the debt agency were scams, I filed a prior complaint with CFPB ( case XXXX ). The company responded to the complaint on XX/XX/2021 that they removed their listing from my credit report on XX/XX/2021 due to my identity being compromised/stolen. 

Additionally, when I initially received written notice from this company in the fall I was concerned my identity may have been used fraudulently. I notified the company by certified letter, dated XX/XX/2021 that the debt did not belong to me and also requested the documents to which I am entitled under the FCRA as a victim of identity theft. The organization has still not provided those documents nor acknowledged my request.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT COLXXXX XXXX CREDIT COLL  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CREDIT COLL XXXX  CREDIT COLL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the following companies have reported unauthorized inquiries on my consumer report without my knowledge. these inquiries are XXXX : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion : XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hard injuries added without my knowledge. Would like to remove off report.
Product: Money transfer, virtual currency, or money service

I refinanced my home in XX/XX/2020. Prior to refinancing, I was set up in auto pay so my mortgage plus additional principle was automatically deducted at the beginning of every month. I cancelled this at the end of XXXX ... Unfortunately, I was too late and my XXXX payment was deducted ( ~ {$1600.00} ) ... Land Home Financial Services provided the loan and was supposed to pay me back within 30 days by check ... I never ( and still haven't ) received it ... Since then, I've called/talked to them several time where they've stated a check is in the mail and it can take time to arrive ... When the checks don't arrive, they've ( supposedly ) cancelled them and issued new ones ... This has happened 3 times since we initially spoke, I believe the dates were : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020. When I spoke to them last, I offered to drive to their office in the XXXX area to pick up the check or asked if they can send it via a carrier for sign off ... They said this is not an option and they can only send through standard mail. With all this going on, I'm receiving all my other mail with no issues ... This includes utility and credit card billing statements, personal mail, magazine subscriptions, and everything else ... This has been going on for +4 months. I'm extremely disappointed in Land Home Financial Services. Please help.
Product: Credit card or prepaid card

Discover opened an account in my name, about 10 days later the account was closed. I would for this account to be removed from my credit report. I have given no consent to this account being opened or closed.
Product: Debt collection

Creditor Information XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX This debt collector its appearing on my credit report I don't understand why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had medical insurance during this time which was called XXXX through Medicaid with the state of Nevada which changed to XXXX XXXX XXXX XXXX XXXX still through Medicaid. When I called Medicaid they explained this to me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter to XXXX, Equifax, and XXXX to investigate incorrect information on my account. As a result, they never responded within the 30 days allowed for investigation. 

This is my second letter I am sending to them requesting an investigation on inaccuracies appearing in my credit file. The most recent letter was sent 30 days ago, with no response from your company. I was again requesting that you investigate the accounts listed in the letters. 

Since they did not respond within 30 days, I will assume that they are not able to verify this information and will remove it from my credit report. Federal law requires you to response with 30 days, days, yet you have failed to do so. I am maintaining a log of all corrections sent to your company from future legal actions if continue to ignore my requested. I would expect that you send me an updated credit response for my files.
Product: Debt collection

There is an account listed in collections with XXXX for {$130.00} that has no company name or contact information listed. They list it with account number XXXX. Date opened XXXX/XXXX/2016, last updated XXXX/XXXX/2016. I have no idea what this is and who is responsible for placing this on my credit report. In comments it states " Medical ''.