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

The incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion deleted this Account. This should be reporting! This CLOSED ACCOUNT, XXXX XXXX, REVOLVING, CREDIT CARD, XXXX, PAID, Balance {$0.00}, Pyament status CURRENT, Last Reported XX/XX/2013, Date Last active XX/XX/2013, This Account is not reporting on Transunion , Please verify with XXXX XXXX, and start reporting it again. THIS ACCOUNT SHOULD BE REPORTING, ATTACHED document you will see XXXX XXXX is reporting on XXXX and XXXX credit reporting Agency.
Product: Debt collection

Dear XXXX Collector, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5.Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

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

I am a victim of fraud. I have contact XXXX XXXX and no action as been taking, and account was fraudulently open. XXXX XXXX know about this fraud account open under my name and has not fixed the problem.
Product: Payday loan, title loan, personal loan, or advance loan

I purchased air ticket to my sister XXXX XXXX airline via PayPal pay later option. Details are following PayPal Loan Agreement date XXXX Loan Account No : XXXX ( Attached your reference ) XXXX XXXX Travel Voucher XXXX Ticket no : XXXX Passenger Name : XXXX XXXX XXXX, XXXX Passport No : XXXX She didnt used XXXX XXXX air ticket and I purchased XXXX XXXX air ticket via PayPal pay later option. 
Details are following : PayPal Loan Agreement XXXX Loan Account No : XXXX ( Attached your reference ) I am keep contacting both parties PayPal and XXXX XXXX requesting my refund I am not get any faire resolutions XX/XX/2023 I called PayPal customer service XXXX ( PCT ) and customer service agent XXXX treated me very unprofessional and I asked her to transfer to manager and XXXX XXXX ( Payment and Dispute XXXX ) also not helping at all. 
I called XXXX XXXX and they asking me to provide PayPal Letter head indicate saying that PayPal didnt issue any refund or charge back. 
Please help me to get refund as soon as possible. 

Thank you XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX XXXX inaccurate reporting an item on my credit, Experian XXXX XXXX and XXXX  are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurrate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit dispite my several attempts to contact XXXX XXXX XXXX and Experian, XXXX  and XXXX  correct and remove this inaccurate info from my credit report.
Product: Vehicle loan or lease

We were buying our leased car at the end of the lease and paying with a check. We were required to authorize the dealership to pull our credit report. This was totally unnecessary since we are not applying for a loan. In addition, they collected our income and mortgage payment information. We were not provided by a good reason why we need to provide this information. 

This happened at the XXXX dealership.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns on how the company Zelle fail to help me. Over XXXX was taken from me I tried several times to get my money back I called and filed a dispute I even sent in documents to show them it was a scam and I was told I could not get my money back which was devastating because I needed that money to relocate.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX of XXXX but its stating that the last payment was XX/XX/XXXX but on my report its showing this account was charged off from XX/XX/XXXX to XX/XX/XXXX. This account is also reporting XXXX different balances. The report is stating that the original balance was {$20000.00} and its also stating that XXXX was written off as a charge off but XXXX is passed due. This account account has been repeatedly updated as charged off every month from XX/XX/XXXX to XX/XX/XXXX as if the account is still open and its reporting a balance when it should be XXXX since its reported as a XXXX off account and that is very illegal. A charge off account should NOT include an active payment history. Also this account is reporting a balance to EQUIFAX and XXXX which is illegal and inaccurate as well. This account is also stating and reporting that it was FIRST REPORTED XX/XX/XXXX but its no record of that reported on any of the accounts. The account was reported and In good standing from XX/XX/XXXX - XX/XX/XXXX and to mention again stated the last payment was made this year XX/XX/XXXX which is also inaccurate and a violation According to XXXX XXXX XXXX XXXX, XXXX, EQUIFAX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts IMMEDIATELY : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Every time I try to add or send money the app defaults and shuts down constantly. I have to do it three to four times before my transaction is completed. This has happened countless times dealing with this app.
Product: Credit reporting or other personal consumer reports

I Have disputed Inaccurate information that has been placed on my Consumer report 12 times over a course of 2 years. The Credit Reporting Agencies are not Investigating. I Have filed 4 different Complaints with the CFPB. I have filed 3 different Complaints with the XXXX. I Contacted the Attorney General Filed complaints trying to get this problem resolved. 

The Three Credit Reporting Agencies are all Reporting Different Information. ( Inaccurate information ). 

I Do not have Signed Contracts with the companies. I Never gave these Companies Permission to report anything on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion, Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  can not show me how they verified these accounts with documents of the original contracts. therefore All INACCURATE AND UNVERIFIABLE. I DEMAND ALL 4 ACCOUNTS GET DELETED FROM MY CONSUMER REPORT!
Product: Debt collection

this accout appeared onmy credit report on XX/XX/2018 I never hearof this company HUNTER WARFIELD in the amount on {$1700.00} it appears on my XXXX XXXX and XXXX credit report. I wa never contected by this company the account just appeared on my credit. it is not my it a fuadlant account and needs to be removed
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX BANK XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 XXXX days 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 XXXX  days before the payment due date.

XXXX XXXX BANK XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am working with lenders to get preapproval for a mortgage and was told my trans union credit report is locked. When I called to remove this lock, they told me I was not able to do this over the phone and had to mail in copies of ID proof. However, I never asked for this to be put on my account and was never made aware that this was placed. When I called XX/XX/2021 I was told that trans union placed this suppression on my account but did not have any documentation as to why this was done or even when this done. I was never informed of this and have my credit being pulled. This is absolutely ridiculous. If my account is under supression I should be made aware of this.
Product: Credit reporting or other personal consumer reports

I have called Trans Union multiple times and ask them to help me remove stuff off of my credit because I am a victim of fraud. My identity was stolen back in XXXX I have asked them to move the inquiries from XXXX all the way to XXXX off of my credit I have asked them to remove names are on my credit that are not mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have asked them to remove addresses XXXX XXXX. XXXX XXXX, XXXX  XXXX, XXXX XXXX. I have asked them to remove XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX. I have asked them to take close accounts off of my credit. XXXX I have asked them to remove XXXX XXXX. I have asked them to remove XXXX and I asked them to remove a collection off of my account. That is XXXX XXXX XXXX. I have no acknowledgment of these accounts. I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

After learning I was a victim of identity theft I sent an FTC identity theft affidavit along with a police report and a letter stating how I was a victim of identity theft to Synchrony Bank. I also sent the same letters to the credit bureaus letting them know I was a victim of identity theft, but in the response letter Synchrony Bank sent me back they said that they will not remove this fraudulent account because they say I paid on it but I never had any knowledge about this fraudulent account until learning I was a victim of identity theft recently when I received a call from the police department.
Product: Credit card or prepaid card

XX/XX/XXXX, XXXX While purchasing tickets on XXXX XXXXXXXX XXXX website, I received an advertisement for an American Express card with XXXX miles and a {$400.00} statement credit. I applied for the card by clicking on that link and was approved. 

On XX/XX/XXXX, XXXX I asked American Express about the statement credit using the chat feature on their website. They told me that it was not part of the welcome offer but that they would open an investigation.
Product: Checking or savings account

I deposited a check at my TD Bank on XX/XX/XXXX in the amount of {$1700.00}. When the funds were not available the next day I called the bank to find out why. They verbally explain to me the situation that they have the right to hold a check at any time up to 10 days. I was explained when I opened my account that the first 30 days they XXXX do this but not after that 30 days. This check was actually from an escrow account and was a security deposit given back from a previous landlord. I explained that there's no reason to hold the fund since this is from an escrow account but without any legitimate explanation they said they have the right to hold it for up to 10 days. I told them I believe that they are holding this for their own interest for their bank and considering my account only had less than {$1000.00} in it I felt as though they should go ahead and not hold my check. 
I also requested a written copy of their policy and upon receiving it I could not figure out as to why they were holding my check as the policy is very vague and allows them to hold a check for any reason.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.SXXXX Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Checking or savings account

I was charged service fees for checking accounts. I also had accounts opened that I did not request. In addition I would make purchases and they show up on my online banking then they would disappear showing that amount added back to my account then days later it would reappear and the charges would debit, sometimes this would create me making double payment thinking i had not already made the payment causing over draft fees sometimes.
Product: Debt collection

They've contacted me 10x per day starting XXXX Asked them to stop calling on XXXX still call multiple times per day Also have taken money out of my account 4 times which I never aurhorized.
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 : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I paid in full a unlawful detainer XXXX XXXX XXXX XXXX vs XXXX XXXX case number XXXX in the amount of {$370000.00} via cashier check to XXXX XXXX XXXX XXXX to the Law Offices of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I received a letter dated XXXX XXXX, 2017 from IQ Data International Inc. account # XXXX-Account # XXXX XXXX XXXX Account representative stating that I owe an outstanding balance of {$7400.00}. this incorrect. I sent IQ Data International Inc. XXXX XXXX a response letter on XXXX XXXX, 2017 via United State Postal Service stating that I do not owe {$740000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt was paid to XXXX XXXX XXXX  and they agreed to remove negative trade lines on the grounds i was never informed of the debt via my ex wife who was receiving notifications to the home i was court ordered to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was been broken into andm y information was stolen and looked at my credit report and seen the these unauthorized inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/13, I used XXXX twice for what turned out to be an imposter posing as a friend of mine on XXXX. Needless to say, the promised grant funds were never delivered. This involved {$1000.00} and then {$1000.00}, totalling {$2000.00}. I immediately recognized the scam that even and started a dispute process with the bank. Needless to say, a month later, escalating the matter to everyone but the CEO, I am still getting nowhere.
Product: Credit reporting or other personal consumer reports

I have a credit card account with XXXX XXXX. I have been actively making payments for months XXXX - XX/XX/XXXX. I have finally got the account to a {$0.00} balance as of XX/XX/XXXX. They are actively and illegally still trying to pull money from my bank account even though I am at a {$0.00} balance. I do not owe any more money. 

XXXX XXXX  failed to accurately report a payment of {$25.00} on XX/XX/XXXX to my account and to the credit bureaus. XXXX XXXX XXXX inaccurately reported late / negative payment history from XXXX - XX/XX/XXXX. This information is inaccurate and extremely harmful to my credit reports with Experian, XXXX and XXXX. 

XXXX XXXX  has failed to answer any of my many phone calls. They have also failed to correct the problem when Ive reached out by email. 

I have filed a compliant with the XXXX XXXX XXXX on XX/XX/XXXX but the compliant was unresolved and closed on XX/XX/XXXX due to XXXX XXXX failing to respond to them after several attempts. 

I want this account closed immediately and I also want this account permanently removed from my credit report with Experian, XXXX, and XXXX. 

This is a violation of 15 USC 1666B of the Fair Credit Reporting Act. XXXX XXXX has failed to report accurate and timely account information.I have a right to a complete, correct, accurate, verifiable credit report.
Product: Credit reporting or other personal consumer reports

The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights. 

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

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

and according to 15 USC 1681s-2 they are suppose to NOT furnish any information relating to a consumer to any consumer reporting agency if the person KNOWS or has REASONABLE CAUSE to believe that the information is inaccurate.