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

TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, PA XXXX THIRD LETTER NOTICE Dear Sir/Madam : I am disputing the above-referenced debt. 

Please verify this debt as required by the Fair Debt Collection Practices Act. 
This is a formal request for them to reinvestigate. You are reporting incomplete and incorrect information. I am shocked and outraged that you have failed to maintain reasonable prosecutions in your trades and have published information in my completely incorrect report. 

The federal fair credit law requires credit bureaus to report only 100 % accurate information on credit reports. They must take the necessary steps to ensure that the information reported is completely correct and accurate. 

The following information should be reinvestigated. I respectfully request that you provide me with proof that this account belongs to me, specifically, a copy of the contract, or any other instrument that contains my signature. If you do not comply with this, this account must be immediately removed from my credit report as soon as possible. 

ACCOUNT : XXXX ( XXXX ) # XXXX ACCOUNT : XXXXXXXX XXXX XXXX XXXXXXXX Since XX/XX/XXXX, I have requested several disputes regarding these accounts and to date, they have been violating my rights, they do not respond to my disputes, they do not present evidence of their validity and they continue to report information from accounts that do not belong to me.
Product: Credit card or prepaid card

This dispute is with Synchrony Bank. 

I paid off my card in full, then months later received an email about my minimum payment due. I went online and saw that there was a charge for over {$600.00} that was not made by me ( no charges had been made by me since I paid off my card ). I reported this as a fraudulent charge with the bank and was told it would be resolved after an investigation. No further communication was made to me through the " investigation '' and I just received an email again telling me they put the charge back on my account. 

The fraud department won't call me and never contacted me during the " investigation '' all I received was a cryptic email that I had to click some link to show a PDF of a document that looks like its from 1980 saying they investigated and are stating the item was shipped to " my address '', they didn't even list my address nor provide any detail on this information. This is a flat out lie. 

I've tried to resolve this with them and they have hung up on me when calling, they have given me the runaround with the " Fraud supervisor '' saying they can't answer any questions about the fraud and that only the " investigation team can '' and I must call this or that department. No one seems to have the ability to help me and they wouldn't accept my request to have them delete my auto pay information from their system. They also told me if I wanted a transcript or recording of our calls that I would have to subpoena them.
Product: Money transfer, virtual currency, or money service

My PayPal account ( XXXX ) was limited for quite sometime. On XX/XX/2023 I received a mail stating my funds are eligible for withdrawal. Upon trying to make withdrawal I get a message stating that " Sorry there's a problem ''. I'll appreciate if you let PayPal know, that they should let me withdraw my funds after holding it for 180 days. Because I think there is still a restriction placed on my account preventing withdrawals.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 USC 1681 ( section 6 0 4 A Section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15USCS 1666b. A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX Account Name : XXXX  XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am completely fed up with being done unjustly concerning the dispute of fraudulent furnishing of late payments on my credit report. I sent letter to the agencies ( XXXX, Experian & XXXX ) on XX/XX/XXXX and XX/XX/XXXX disputing this issue and they have for years broken the law of FDCPA. 

Under 15 U.S. Code 1666b Timing of 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. 

In addition to that I did not as the consumer give these agencies permission to report these invalidated reports of Late Payments. I am the " natural person '' which is the only person who can validate such furnishing. 

The following account payment history needs to be updated to paid as agreed. 

Fraudulent reports of Late Payments is a violation of my consumer rights under 15 U.S. Code 1666b XXXX Account Number : XXXX Please removed inaccurate reported late payments and update to paid as agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account number XXXX The Credit Bureaus stated my account was properly investigated but how is that possible the last date reported is inaccurate. The last date active is inaccurate, and the payment status says collection/charge-off this is inaccurate information because their can be to different payment claims it has to be either a charge-off or collection it can not be both. The payment history is also inaccurate in shows no activity for the last 3 years with that being stated no actually debt is owed. This is ground for removal and this is a clear violation of 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. Also states a consumer reporting agency can not furnish without my written instructions.
Product: Credit reporting or other personal consumer reports

These inquiries were not authorized. Unless I have provided written consent for you to gather information and report this account on my credit report, please delete it. I hope this message finds you well. However, I must express my disappointment and concern upon receiving my credit report today, revealing alleged hard inquiries. I want to firmly state that I have not provided authorization for such inquiries. As a result, I am compelled to request immediate access to documentation verifying the credit application, accompanied by a valid wet signature to confirm my association with the mentioned companies. Failing to provide the necessary documentation will leave me with no option but to demand the swift removal of the alleged inquiries from my credit report. Please remove the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report in XX/XX/2018, I noticed this inaccuracy and immediately sent a letter to Enhanced. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary In their response and letter dated XXXX.18, ERC provided a mere statement that lacked veracity. They did not provide any documents that bore my signature nor did they provide the original deliquency date nor a complete accounting of the alleged debt. The first violation is that ERC inserted this unverifiable, inaccurate entry on my report without providing me the any time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. 

ERC must immediately delete this erroneous entry from all of my credit reports.
Product: Credit reporting or other personal consumer reports

I requested a detailed account of all late payments listed on my credit report from XXXX and Experian. XXXX did not respond. I have filed multiple disputes with Experian regarding the XXXX to XXXX accounts from XXXX on my report. Experian continues to update the derogatory information with new dates, stating that XXXX has confirmed it. I can only access alerts and have been unable to view my credit report since XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Last reported XX/XX/XXXX {$3900.00} Open balance XXXX XXXX  Original creditor Opened XX/XX/XXXX ( XXXX mos ) Account status Open This was on my credit report 4 years ago. But with a different collection agency. This company is reporting this as a brand new account. Opened XXXX. The statute of limitations are up on this account. The last collection agency couldnt prove this account belongs to me and it was deleted years ago. Now the account has been sold to a new collection agency and the have failed to prove me with a debt validation letter. This must be removed immediately. They can not prove this belongs to me. This is not my account
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 1681. 

Account name : 1 ) Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ( XXXX ) XXXX 2 ) Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX ) XXXX 3 ) Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX ) Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX ) Account number : XXXX Date opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX XXXX XXXX XXXX ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX XXXX XXXX XXXX ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX XXXX XXXX XXXX ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX XXXX XXXX XXXX ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX ( XXXX ) XXXX XXXX ) XXXX date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, KY XXXX ( XXXX ) XXXX XXXX ) Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX these accounts has violated my rights. 

XXXX5 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: Credit reporting or other personal consumer reports

In XXXX, XXXX I saw a " collection item '' on my report, but I knew that I did not have any collections. I sent a Certified validation request to XXXXXXXX XXXX  XXXX based on the information listed directly in the credit report. The XXXX service sent the letter back " XXXX time exp retn to sender ''. I sent another request in XXXX, XXXX using the same information again from an updated credit report. The XXXX service returned the letter " Return to Sender Not Deliverable As Addressed Unable to Forward ''. In XXXX, XXXX I sent a removable request to TransUnion based on the obviously erroneous information in the report and fact that I could not obtain a validation from the creditor along with my a copy of my Driver 's License to verify my identity. I have confirmation of delivery, but TransUnion never responded. I have since had XXXX loans denied as a direct result. Today, the collection is still on my report.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft : RXXXX XXXX XXXX XXXX XXXX XXXX XXXX  has fraudulent accounts on my credit profile that need to be removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX Dear REGIONS BANK I am writing to formally dispute an inaccurate entry on my credit report. The account with REGIONS BANK and account number XXXX. This inaccurate reporting is negatively impacting my credit report. 

I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. 

I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. 

Thank you for your assistance.
Product: Debt collection

Disputed with the company on XXXX for XXXX XXXX XXXX  Company has received my dispute. It is now XXXX, I have not heard back from the company. The FCRA gives the company 45 days to respond. I have not gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 - Attempted to access my online account with Experian and found that my online account was hijacked and linked to an unknown email address. 

Attempted to notify Experian but found that this was impossible online. Only by calling their corporate offices could I speak to an agent. Agent would not initiate fraud activity investigation and would only allow me to " reset '' account so I could access with my email and new password
Product: Credit card or prepaid card

On XX/XX/2020 CitiBank lowered my available credit on all three of my cards ending in XXXX, XXXX, and XXXX. I have never missed a payment and have all my records to prove so. I called and ask why all three of my cards had their limits reduced to which CitiBank explained they " do not have access '' to that information and that it is " confidential ''. This is a violation of the Fair Credit Reporting Act as they would not give me any response to my inquiry. My spending behaviors have not changed, my income has increased, and now I am going to suffer a dramatic score decrease as my utilizations will go from 50 % to 98 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021- Transunion reported a XXXX XXXX XXXX filing on my credit bureau report. I wrote transunion and requested that this be investigated and removed. After over 6 months of going back and forth with Transunion, I contacted the Bankruptcy court who responded by saying that they did not Verify the information that Transunion had stated it had received from the US Bankruptcy Court. To date Transunion is the only bureau that reports this public record on my report and at this time, this has costs me several credit opportunities. No lender will even look at my application because of this error. 

I have supplied Transunion with a copy of my credit reprot demonstrating that TU is the only bureau showing the Bankruptcy Filing and the other bureaus do not show this filing. Secondly, I forwarded a copy of the letter from the bankruptcy court, and I also sent TU a letter of incarceration demonstrating that I was XXXX XXXX  ' at the time of the bankruptcy filing. They still will not remove this record or any of the inquiries and adverse information associated with the bankruptcy filing. I am seeking resolution of this issue by TU removing the XXXX XXXX  Bankruptcy, all accounts referencing a bankruptcy and any inquiry on my credit file in the last 18 months as I was XXXX XXXX during this time and did NOT authorize TU to allow my credit to be pulled.
Product: Credit reporting or other personal consumer reports

This debt collection agency has engaged in practices that are explicitly prohibited by the FDCPA, which include abusive, deceptive, and unfair actions. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. Additionally, the " date last active '' is different from what another credit bureau is reporting, despite the requirement for all information to be comprehensive and accurate. I also have uncertainties regarding whether I ever held an account with the original creditor. Notably, I received no correspondence notifying me that this account was sold to ORIONS MANAGEMENT GROU, constituting another violation. It's important to note that my personal information was compromised in a data breach, information that your company, along with the credit bureaus, would have been aware of had an investigation been conducted. Furthermore, I received no communication by mail leading up to the reporting of this collection account. This account was added to my records in XX/XX/2023. Consequently, I am formally requesting a copy of the correspondence that was supposedly mailed to me during that time, informing me of this debt with your company. Failure to provide this documentation would constitute yet another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. If this account is not removed within 30 days, I will have no choice but to involve my legal attorney to address this matter through small claims court.
Product: Credit card or prepaid card

I purchased tickets to the XXXX XXXX concert on XX/XX/XXXX. Due to the pandemic, the concert date has been continually pushed back. On XX/XX/XXXX, XXXX finally announced that she was cancelling all of her remaining concerts due to her health. We worked with XXXX XXXX and they refunded the money on XX/XX/XXXX. I contacted Barclaycard on XX/XX/XXXX to see why the credit had not been applied to our account and was told it could take up to 10 days from the refund date to post. I waited until XX/XX/XXXX to call back when no credit was applied to my account. On this call I was told that XXXX had not refunded the money despise having a receipt from them showing they in fact did. Barclaycard told me I would have to wait. I requested to speak with a supervisor and was told there was no supervisor present and that I would have to be put on a call back list. Upon asking about an estimated callback time, the rep told me it could take 8 - 10 days to speak with a supervisor. It has now been a full week and I've not received a call back and still no credit on my account. The refund amount is {$600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I walked in a dealership XXXX XXXX of XXXX Pennsylvania I specifically told the sales rep not to run a hard inquiry and I did n't sign everything with them on X/XX/17. The sales rep hit my credit with a hard hit anyway after I told him soft hit only and this was not the first time it happened to me with this dealership! The first time the company ran my credit to multiple bank 's without my permission. I also feel the company overcharged me for the vehicle I received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts several times with Transunion ( XX/XX/2019, XX/XX/2019 and XX/XX/2019 ) due to the accuracy and fairness of how the below mentioned companies continue to report these accounts to the credit bureau inaccurately. Transunion continue to respond to my disputes as the accounts were either verified as accurate or have been updated, however, they are still reporting inaccurately. Such as : XXXX XXXX - failed to send a deficiency letter to support their claim and balance they continue to report. Furthermore, they are reporting that this account has either charged off or is in collections, but they still continue to report a monthly payment and the high balance is inaccurate. They are in direct violation of the FDCPA and FCRA. I have requested this account be deleted permanently from my credit file as this is having an adverse effect on my credit score, furthermore, they are violating my consumer rights. 

XXXX - is reporting several accounts on my credit report, however, they continue to re-age this account monthly, which is a direct violation of the FDCPA and FCRA. 

XXXX - continues to re-age this account on my credit report and have failed to provide proof of the balance they are claiming I owe, in addition to this account reporting that it has been sent to collections or has charged-off. The high balance is also inaccurate.