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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. These accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need these corrected at once. This is your final chance to resolve the inaccuracies on the items : XXXX XXXX Date XXXX Balance : {$0.00} Late/Closed Late Date XXXX, XXXX XXXX Date XXXX Balance : $ XXXX Late Date XX/XX/21
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX Re : Violation of Rights Under 15 U.S.C. 1692g Failure to Provide Proof and Proper Investigation Dear Sir/Madam, I am writing to file a formal complaint against TransUnion, XXXX XXXX XXXX XXXX and XXXX XXXX for violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. Specifically, I am requesting the Bureau 's intervention regarding the following accounts : XXXX XXXX XXXX. 

Account Number : # XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} Date Updated : XX/XX/XXXX Pay Status : In Collection High Balance : {$4300.00} Credit Limit : {$4300.00} Past Due : XXXX $ XXXX Last Payment Made : XX/XX/XXXX Maximum Delinquency : XXXX days ( XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ( Charge-Off Balance : {$3400.00} ) Date Updated : XX/XX/XXXX Payment Received : XX/XX/XXXX ( {$150.00} ) Last Payment Made : XX/XX/XXXX High Balance : {$4800.00} Credit Limit : {$3400.00} Issue Summary : These creditors ( XXXX XXXX and XXXXXXXX XXXX ) and their collection activities , including TransUnion reporting, have failed to provide the requested XXXX and investigations related to the above accounts, which I believe are in violation of my rights under 15 U.S.C. 1692g, specifically the failure to provide verification of the debt and proof of the debt owners right to collect it. 

I request the following : Detailed Payment History : A full, detailed list of all payments I have made toward these accounts, including dates, amounts, and transaction references. 
Contract Signature : A copy of the original signed contract or agreement that demonstrates my legal obligation to pay the creditors and authorizes them to collect this debt from me.

Insurance Claims : Proof that any insurance has been filed or applied to these accounts, and details of any insurance settlements if applicable. 
Proof of Chain of Title : Documentation showing the chain of title for the debt and proof that the current creditor or debt collector has the legal right to collect this debt, including assignment or transfer of the debt.

I have made multiple attempts to request this documentation from the creditors directly, but to date, I have not received any verifiable information in accordance with my rights under the Fair Debt Collection Practices Act. Therefore, I request that the CFPB investigate this matter and assist in ensuring my rights are fully protected.

Please confirm receipt of this complaint, and I kindly ask for updates as your investigation proceeds. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion is not following the laws!!! This fradulent account XXXX XXXX XXXX for XXXX XXXX  XXXX says that I opened a account XX/XX/XXXX XXXX This is fraud I sent in my ftc report and police report to Transunion who can not verify what this debt is even about!! They can not verify the address the orginal contract who signed it so I can know who is frauding my information!! Please remove this account off my credit report
Product: Money transfer, virtual currency, or money service

A friends XXXX page got hacked and the hackers put vehicles and items for sale stating they were selling her father-in-laws items as he was being moved into a XXXXXXXX XXXX  On XX/XX/year>, we wire transferred from our XXXX XXXX XXXX XXXX XXXX Account to a Wells Fargo account the amount of {$4000.00} which was a deposit on a truck ( {$7000.00} price ) and a recreational vehicle ( {$4000.00} price ). On XX/XX/XXXX, our friend contacted ne notifying me that it was a scam and to not buy anything and to block her XXXX page. That same day, I reported the fraud to the FBI, to XXXX and froze my credit with the three credit bureaus. On XX/XX/XXXX, we contacted our bank and the bank is going to contact Wells Fargo of the scam and request our money back.
Product: Credit card

In XX/XX/year>, I went to XXXX and thought I was purchasing medication for weight loss. After I gave them my Apple credit card number, the screen changed to include other charges. I realized that I did not want to do this after all. That same day, I attempted to chat with XXXX and cancel what ever was purchased. I called Apple and they were able to cancel the second charge but the first one, went through. Apple changed my credit card number. Apple ( Goldman Sachs ) has rejected my claim. Today is my third attempt. I have shared with them frantic chats to cancel with XXXX and emails. I have reminded them that in order to have a transaction occur, would I have received goods or services? I have received none. They did tell me that the refund policy helped them to deny my claim. The refund policy is ambiguous. Most services have 30 days cancellation. I am not sure what I purchased, but have never received anything from them. I can not see paying {$590.00} for nothing! Also, I cancelled on the same day. I have asked Goldman Sachs for what services or goods did XXXX provide me to justify this transaction. 
You might notice that three weeks after cancelling and my dispute beginning, they share with me the cancellation policy. Again, I still do not know what I purchased for {$590.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX - XXXX XXXX XXXX Inquiries : XXXXXXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting 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 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 hand written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a notification that my credit score dropped 65 points because my account is closed. My account is very well open and in good status. This is the second time Westlake financial has reported the wrong information which is affecting my credit. I called and explained to them that I'm in the process of buying a house and they keep messing my score up witch will mess me up for getting my loan for my house. They have yet to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621
. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

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

Account Number : XXXX, Company name : XXXX Account Number : XXXX, Company name : XXXX Account Number : XXXX, Company name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, Company name : XXXX XXXX  Account Number : XXXX, Company name : XXXX XXXX  Account Number : XXXX, Company name : XXXX XXXX  Account Number : XXXX, Company name : XXXX XXXX  Account Number : XXXX, Company name : XXXX XXXX  has violated my rights.

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

15 U.S.C 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: Student loan

I'm in a repayment plan that accrues interst daily of XXXX dollars that never brings down my principal balance. I make XXXX dollars payments monthly but the loan provider applies like XXXX dollars towards the interest and XXXX dollars towards the principal. But then with the accrued interest of XXXX dollars a day brings the principal right back up. I made XXXX dollars in payments in the last year and Navient has taken XXXX dollars in interest already. I'm in a 10 year repayment plan the original balance was XXXX and after a year of payments on time it's just at XXXX If I keep up with payment plan I would end up paying back triple of what I borrowed. I called Navient to discuss what other repayment options I have. They said I can't make any changes that's the repayment plan I chose. I tried to explain that the school that I took the loan out for didn't tell me that my repayment will require me to pay back triple the amount. I feel that I was deceived by both the school and the loan provider.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to investigate properly dispute of incomplete and inaccurate items submitted XXXX XXXX, circled on attached XX/XX/2020 credit report alleging creditor verified information is correct. 
Status states account " over 120 days past due '', when I search for amount past due there is no amount and a XX/XX/XXXXbalance. 
I have called and spoken with representatives that clearly see the inaccuracy but refuse to comply and remove the inaccurate record.
Product: Credit reporting or other personal consumer reports

The company for XXXX XXXX XXXX reporting incorrect information I have asked this company several times to support documents and a copy of receipts for the damage for the apartment. The apartment 's have supported false and fabricated charges therefore needs to be corrected or deleted. 

according the banking act and my documents XXXX XXXX did not extend credit to me I extended the credit to XXXX XXXX 

I gave them my all business name and my social security which is my credit card for use for commerce and I am the creditor and I applied my application and signed a contract it was already paid for it was pre paid by my signature it was a note.
Product: Debt collection

They are saying that my credit score is bad and I owe the bank lots of money and that I owe the IRS and they didn't provide me with information to dispute this debt so if there's any way you could help me dispute my debt that will be great because I don't have a job and I need financial help to pay off my debt if I owe any and if I don't then why are they claiming that I owe that and why they didn't provide me with information of how to dispute my debt
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act when i notice incorrect information on my credit i have the right to dispute. I have disputed multiple accounts on my credit report and they keep saying the accuracy is correct. I have no knowledge of these accounts and did not sign or have any loan or credit with these companies. 
( 1 ) XXXX XXXX-opened XX/XX/XXXX. This was not me i have no knowledge of this account. 
( 2 ) XXXX XXXX  XXXX  opened XX/XX/XXXX. This was not me i have no knowledge of this account. 
( 3 ) XXXX XXXX XXXX XXXX  opened XX/XX/XXXX. I have no knowledge if this account this was not me. 
( 4 ) XXXX XXXX XXXX  opened XX/XX/XXXX. I have no knowledge of this account this was not me. 
( 5 ) XXXX XXXX XXXX opened XX/XX/XXXX i have no knowledge of this account. This was not me. 
( 6 ) XXXX XXXX XXXX  opened XX/XX/XXXX i have no knowledge of this account. This was not me. 
( 7 ) XXXX XXXX  opened XX/XX/XXXX i have no knowledge of this account this was not me. 
( 8 ) hard inquirys from XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX There are many others that i have listed in the attatched images/files below. The only inquiry that i have knowledge about is XXXX XXXX i have a refinaced loan through them im still paying payments on. The reat of the account and the inquiries i have listed and attatched to this complaint i have no knowledge of and i am claiming identity theft/fraud. I hope that you are able to get these items removed off of my account.
Product: Checking or savings account

On XX/XX/XXXX I paid my rent online through US Bank * ( {$1800.00} ). On XX/XX/XXXX I charged {$25.00} for gas, using my US Bank Debit card ( same account ). I left town for couple weeks. I returned and checked my account online. I noticed I was overdrawn. I went into the branch where I have had my account for 5 years. XXXX the manager told me she would reach out to XXXX who would be able to assist me. I complained about my balance being {$150.00}, and requested assistance. I checked back, but was told XXXX was out until the next week. I left a message with XXXX to get some help. XXXX called me back at the end of the week explaining XXXX would return the following Tuesday from Vacation. The next week I spoke with XXXX who told me they could do nothing. I received a final bill of {$240.00}. 
I am complaining because this was a debit card, it should not have been charged in the first instance ( XX/XX/XXXX ). I was thinking the branch manager would assist me, but then she was not able to help and by the time this all passed my account got closed and I went from a {$25.00} error to a {$250.00} fee.
Product: Credit card

Discovered fraudulent activity on our Navy Federal Credit Union sponsored XXXX on XXXX and XXXX XXXX 2015 for {$30.00} and {$5.00}. 
Reported the same to Navy Federal Credit Union who advised additional fraudulent charges of $ XXXX not present on our online account access. 
Although Navy Federal Credit Union cancelled the card immediately, they could not provide why additional fraudulent charges were not visible via our online account access. 
We are unsure of the amount of loss if any however believe Navy Federal Credit Union needs to provide all transactions on credit cards they sponsor in accordance with federal law.
Product: Credit card or prepaid card

Chase closed my credit card account account. 

when they closed it they neglected to notify me that i have 30 days to use my cash back that i accumulated over the years and have amounted to XXXX 's of $ . 

i asked them multiple times to address the issue and return me my money and they said that its gone forever, which i believe isn't justified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report the following accounts have been proven to be incorrect my XXXX XXXX and Transunion please delete the following accounts. XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX and all accounts related to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX and all accounts associated with XXXX XXXX  XXXX XXXX
Product: Credit card or prepaid card

I applied for a Kohl 's credit card on a paper application with my SSN, and submitted it to the office of the XXXX XXXX store where I worked in XXXX, Tennessee. I signed it on XX/XX/XXXX. It required a manager 's signature before being sent to Corporate. It was denied, which was fine. ( I later applied in XX/XX/XXXX and was approved. ) But I need to know which manager signed my paper application in the office. Kohl 's will not respond to this info request, despite going through the FTC. The paper application denial listed as my application number XXXX. The letter from Kohl 's was dated XX/XX/XXXX. If they could find info on an old Kohl 's credit card from decades ago, which I included in a XXXX bankruptcy filing, then they can find this paper application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent via certified mail two rounds of letters to Equifax on XX/XX/23 and XX/XX/23 and the accounts listed below still remain on my credit report and have not been fully validated. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint again to update this suspicious information. XXXX Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXXXXXX Balance Owed : {$38.00}
Product: Student loan

went to XXXX in XXXX was pushed into loans wich i thought were loans i didnt have to pay back i attended for a couple months with substitute teachers not real ones wich i was paying for never graduated from dropped the the program now years later im in default because they took the money from theses loans when i never attened clsses for because i dropped out. so i owe them tons of money for a education i never got