23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXX for their refusal to delete inaccurate information from my consumer report. This has been a frustrating ordeal as both the creditor and TransUnion have consistently failed to provide any substantial information despite repeated attempts to rectify the situation. I am deeply concerned that this behavior demonstrates a blatant disregard for consumer protection laws. 

I have diligently reached out to TransUnion and XXXX XXXX regarding the inaccuracies in my consumer report. Despite the legal obligation to investigate and correct any inaccurate information, both parties have consistently refused to comply. This flagrant violation of consumer law has caused extensive frustration and financial harm. 

I strongly believe that it is within your jurisdiction to thoroughly investigate this matter and ensure that XXXX XXXX adheres to the mandated consumer protection regulations. It is imperative that appropriate enforcement actions are taken to rectify this issue promptly and prevent any further harm to consumers. 

I kindly request that you conduct a thorough investigation into the practices of XXXX XXXX and take the necessary steps to address this matter. I firmly believe that it is essential to uphold our consumer rights and hold companies accountable for their actions. 

I appreciate your attention to this matter and your dedication to safeguarding the rights of consumers. Should you require any additional information or supporting evidence, please do not hesitate to contact me. I look forward to a prompt resolution to this dispute. 

Thank you for your time and consideration. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Requesting CFPB intervention due to TransUnion 's repeated reinstatement of a fraudulent account, despite verifying it as not mine and initially deleting it in accordance with FCRA laws. Multiple attempts to rectify this with TransUnion have failed. Kindly address this issue and permanently remove the fraudulent account from my credit report.
Product: Credit card or prepaid card

XX/XX/2021. Ordered an airline ticket from the American Express app. The app crashed right during confirmation. Email confirmation was not sent for several hours. I was flying out the next day or shortly there of. So I ordered a second ticket since I didn't receive confirmation and the app crashed. I called Amex several times the next day and impending weeks. They gave me the run around and did nothing. So I finally disputed in writing to make a record. They dragged their heels and took 2 months to research their own system since I purchased in their app. They denied without addressing the issue of the app crashing or the dozen call I attempted to rectify before flight and in the weeks after. Please help.
Product: Bank account or service

A number amount of overdraft fees that has my account in a major negative balance
Product: Credit reporting or other personal consumer reports

I request that the XXXX XXXXXXXX XXXX credit card account be deleted, due to the rights I have as a consumer, since this account is affecting my personal credit.
Product: Debt collection

I did not consent to, nor benefit from, nor authorize the following account : LVNV FUNDING LLC - Account XXXX ; Amount - {$250.00}
Product: Credit card

On XX/XX/year> my husband and I landed at the XXXX, XXXX airport and took a taxi to our hotel. On the way to the hotel, the driver pulled over and a second man approached the car with a portable credit card machine. In order to pay for the taxi, which was estimated at {$40.00}, I put my chip credit card into the machine and entered my pin. ( as Ive had to do on other occasions when traveling. ) The men ( I dont remember which one ) moved the machine around and said that he couldnt get wifi and that it wasnt working. We were asked about other forms of payment, such as an ATM, cash, etc. etc. We told them no to all. During the conversation, the man handed me a receipt for me to fill in. ( see attached ) After much disagreement, my husband told the driver that we have wifi at the hotel and that we would process our credit card for payment when we got there. The driver brought us to our hotel but didnt come in with us to take payment.

After we checked in we talked about being worried that something had happened since he didnt take payment. So I immediately used the hotels wifi to log in to my credit card account. Upon doing so, I saw three cash advances for that day. I immediately called the credit card company to dispute those charges. I was told I couldnt because they were still pending. I asked the company to immediately cancel my card. 
On XX/XX/year> we met up with a XXXX XXXX XXXX XXXX  who was leading the trip we were about to start on. We told him what had happened and asked him to help us fill out a police report. ( see attached ) After we arrived home and the charges were no longer pending, I called the credit card company to dispute the three cash advances as I did not authorize them. After checking my account, I saw that they had only marked two of them for dispute. Later, when requested, I sent them the police report and asked them again to mark the third one as being disputed.

Upon checking my credit card account, I saw that they had denied my dispute so I called and asked why. They said I gave them my PIN number. I told them I did not give them my PIN number, that I had
entered it into the machine to pay for the taxi. I asked if they had reviewed the police report. They found the report and said they couldnt read it because it was in XXXX. I asked that they review the case again, which they said they would. The third transaction still does not show disputed.

Disputing 3 transactions at XXXX along with the additional fees and interest of XXXX for a total of {$690.00}
Product: Debt collection

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

The debt collection agency is Nationwide Credit in XXXX, VA. I am a XXXX XXXX for the XXXX XXXX XXXX XXXX ( XXXX ) system. They sent documentation to XXXX falsely misrepresenting themselves XXXX XXXX of XXXX, VA by placing information on County letterhead. They asked that the entire amount of {$1300.00} be deducted from my paycheck, for delinquent personal property taxes and fees in XXXX XXXX. The payroll supervisor did not honor the request for the entire amount, because my check was much less and he told them he can only take a percentage. He withheld {$200.00} on one check, dated XX/XX/XXXX and {$100.00} on a second check, dated XX/XX/XXXX. He stopped withholding funds after I brought to his attention that a garnishment has to come from the court. 

First of all, I was a resident of XXXX XXXX for 1XXXX years, not XXXX XXXX. Secondly, I do not know how they arrived at {$1300.00}. Their correspondence is on XXXX XXXX letterhead with their phone number. These deductions were quite shocking to me because I need all of my funds to live. On XX/XX/XXXX, I wrote a letter to NCC and had it notarized. The letter has been sent certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information is being merged into my sisters credit report. I first contacted the three major credit companies in XXXX. I struggled to seperate me and my sisters information, but XXXX  and XXXX finally fixed it a few years ago. Since then I have contacted Equifax by mail and phone, However, EQUIFAX has yet to do anything about it. In approximately XX/XX/XXXX I attempted to purchase a vehicle and was denied due to the equifax report. I contacted equifax again and submitted all requested info but never heard from them. I recently called them by phone and now they are requesting all documentation again. I could send it however I have done so repeatedly for the past 20 years. At this point I no longer believe them. I need help to obligate them to fix my record.
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 usc 1681A states I have the Right to privacy.

15 usc 1681 section 604A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c. 1681C. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other than records of convictions of crimes which antedates the report by more than seven years XXXX XXXX XXXX XXXX acct # XXXX & XXXX XXXX XXXX acct # XXXX XXXX. XXXXXXXX XXXX XXXX  acct # XXXX XXXX. XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct XXXX XXXX & XXXX XXXX. XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX & XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX XXXX. XXXXXXXX XXXX XXXXXXXX acct # XXXX & XXXX XXXX. XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX XXXX. XXXX  acct # XXXXXXXX XXXX  XXXX XXXX. XXXX acct XXXX XXXX
Product: Debt collection

On or about XX/XX/2018, I made a {$6000.00} payment to XXXX XXXX XXXX XXXX ( XXXX ) drawn on my Bill Payer account with XXXX XXXX XXXX XXXX XXXX, which employed XXXX XXXX ( XXXX ) to make the payment. 

Due to an error in my calculations, the check was returned for insufficient funds on XX/XX/2018. 

Even though the {$6000.00} was returned to XXXX by XXXX, XXXX keeps trying to collect the money again. 

I have communicated with XXXX and its first collection agency ( XXXX XXXX XXXX XXXX, XXXX ) several times, sent them a copy of the statement, and even sent them a letter from XXXX confirming that the money was returned, but -- instead of investigating -- it ignores whatever I send, and has now turned it over to another collection agency ( Audit Systems Incorporated ). 

I am afraid that they will besmirch my excellent credit record, and perhaps even sue me for money I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dates i started to write down are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( there were several more contact attempts/disputes that i deleted from XXXX ). Experian is reporting an incorrect balance on 4 student loans that have {$0.00} balances. I've called experian, I've submitted online disputes, as well as submitted a copy of the last statement showing the accounts are paid ( {$0.00} balance ). Experian has not done their job in verification of the information as they continue to show the wrong balances on the accounts. I've spoken with representatives and was lied to by the last rep who said the info was verified with the company XXXX. I've called XXXX and they confirmed the account has a {$0.00} balance. 

Experian is reporting I owe the following : {$5300.00}, {$7200.00}, {$5300.00}, and {$7400.00}. All incorrect!
Product: Debt collection

my Address is different than the address Wakefield & Associates has been sending collections letters to. I have contacted them three times in order to set up a payment plan to pay the debt that I owe. The first time I contacted them I was instructed to send an email to XXXX and never received an email back with my account information to start making payments. I followed up with two more phone calls over the past month in order to try and get the account information to start making payments on their patient portal but both of the contact numbers that I have called on their website just send me to an automated message saying they'll get back to me, but they do not. the amount that showed up on my credit report is XXXX $ and is a serious collection that could lose me my job and this company has been very unprofessional with responding the with pertinent information so I can pay towards the debt. I could lose my job because of my inability to make payments on this collection due to this company not assisting me in order to pay the debt that I owe.
Product: Credit card or prepaid card

Synchrony Bank harrasses people. I've complained about them before but you miss one payment and they call you all day long. I'm on the do not call list and i blocked them from calling me but when i look at my call list their number is on there roughly 6 times a day my bill is due on the 1st and they have been calling me everyday. I had trouble with them before not wanting to work with me they just would threaten me they need to be stopped
Product: Credit reporting or other personal consumer reports

I submitted a police report to TransUnion to dispute a fraudulent account reported by XXXX XXXX Collector. The account does not belong to me, and I have provided all required documentation to prove it is fraudulent. Despite multiple disputes and submitting the police report, TransUnion has refused to remove the account from my credit report. TransUnion has stated that they are not required to remove it and advised me to go through the debt collector instead of removing the account themselves, which is not required under the Fair Credit Reporting Act ( FCRA ) Section 605B. I am requesting that TransUnion immediately remove this fraudulent account from my credit report and provide confirmation that this will be done.
Product: Credit reporting or other personal consumer reports

This is a follow up a complaint regarding persistent inaccuracies on my credit report and the numerous unsuccessful attempts I have made to rectify these issues. Despite providing evidence that these accounts were not opened late, they continue to be reported as such. These accounts, which were closed in good standing, are erroneously reported as late.These accounts have been incorrectly marked as charged off, affecting my creditworthiness. Despite this, the inaccuracies remain unresolved. I have also tried to dispute these items directly with the creditors involved, but the issues persist. I kindly request that you could help me investigate this matter thoroughly and facilitate a resolution with the credit reporting agencies and creditors involved. I have attached all relevant documentation, including previous correspondence and supporting evidence, for your review. Thease are the following accounts : XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - I need this account be corrected NOW. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX XXXX XXXX XXXX  Balance Owed : {$710.00} - The payment history and status are inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

XXXX XXXX XXXX XXXX  Balance Owed : {$79.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB on XX/XX/XXXX, that you closed my complaint to protect my PRIVACY. I called TransUnion, XXXX and XXXX after I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX, STATE OF MD/XXXX  ( Original Creditor : 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  ; on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. A copy of my Driver 's License, Proof of Address and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by TransUnion, XXXX and XXXX not blocking these accounts is inadvertently resulting in me being extorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 

Immediately remove the following account XXXX XXXX  XXXX  open date : XX/XX/2019 XX/XX/2019
Product: Debt collection

Capital One Credit Card company appears to be breaking the FCRA section 623 ( a ) ( 3 ) and FDCPA section 807 ( 8 ). which appears to be a defamation on my credit report of late payments. Also capital One Card Company has failed to a dispute sentence alert to all XXXX credit bureaus in 30 days when I requested to dispute the negative tradeline on my credit. Also capital one failed to show me copies showing I paid something late.
Product: Credit card or prepaid card

I recently applied to a Capital One XXXX credit card. I was denied for no reason and no explanation, which makes absolutely no sense. I have a XXXX credit score, have not applied to any credit cards recently. I'm below the thresholds for inquiries, so there is no reason to deny. 

I am planning on traveling and I believed Capital One XXXX is the right choice for myself. I have credit cards little to no balances, great income and excellent credit and to be treated unfairly and unjust with no negative reporting on my report and a high credit score is outrageous and seems discriminatory. 

I tried calling reconsideration line asking for explanations and a reconsideration even by moving balances around if that is what was required, and they were absolutely no help and said to reapply again. This is very unethical on their side. Why would I reapply when that will count as another hard inquiry, and they can reconsider. I would be happy with the credit card for its travel perks and want to be reconsidered. But this makes me lose faith in this bank for treating me unfairly. I feel I'm being discriminated by my age, which is unfair. I demand a response and a resolution. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I submitted complaints to XXXX, Equifax, and XXXX notifying them that there are inaccurate reportings on my credit profiles. I have asked them to provide validation of these items they claim to be accurate but have failed to do so the following inaccurate items are listed on my credit reports and they go against my rights as a consumer : XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX  XXXX XXXX XXXX  INQUIRY DATE XX/XX/XXXXXXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  -- XXXX XXXX - Collection XXXX XXXX XXXX  XXXX XXXX XXXX H & R ACCOUNTS XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act convergent account XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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.