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

PLAINTIFF : XXXX XXXX XXXX DEFENDANT : TRANSUNION XXXX # XXXX BONDED MUST BE REVIEWD BY A HUMAN MUST BE REVIEWED BY A HUMAN VIA XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX DEAR DEFENDANT XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX MY XXXX NAME READS XXXX XXXX XXXX XXXX MY XXXX ADDRESS READS : XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX MY DOB READS : XX/XX/XXXX MY SSN LAST XXXX READS : XXXX My XXXX & Last MIDDLE name are as follows : XXXX XXXX XXXX My XXXX XXXX Address is as follows ; : XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and ACCURATE information on my credit report per FCRA regulations 15 USC 1681a and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue, My First & Last name are as follows : XXXX XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. My current address is XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX TRANSUNION YOUR COMPANY IS SETTING ME UP FOR IDENTITY THEFT FRAUD PRIVATE AND PUBLIC FRAUD IF MY MAIL FROM YOUR COMPANY ENDS UP IN THE HANDS OF A SCAMMER XXXX WILL BE LIABLE AND I WILL SUE FOR NEGLEGANCE! DELETE ANY NAMES ADDRESSES THATS NOT IN THIS LETTER THAT TRANSUNION IS HOUSING ON YOUR PLATFORM! FIRMLY, XXXX XXXX XXXX UCC1-308 WITHOUT PREJUDICE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX 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
Product: Mortgage

The HELOC I had with PNC Bank was paid off ( refinanced due to better interest ) by XXXX. During the payoff process, I made a regular monthly payment so my credit would not be affected which resulted in a credit balance of {$110.00} once payoff was received from XXXX. PNC charges an annual fee of {$50.00} for their HELOC. I visited the local branch on XX/XX/23 to make sure the HELOC was closed and spoke to a manager to collect the {$110.00} overpayment. He said that PNC would send a check. I questioned the {$50.00} fee, which is for the incoming year, and he said it would not apply since the account was closed. I received the refund check which was {$50.00} short. Immediately I called PNC customer service, XXXX XXXX indicated it must be an oversight and forwarded me to their support department. Days later I received contact from XXXX. Explained the whole situation and he agrees it must be an oversight but he would forward my information and plead my case??? to get my {$50.00} refunded. I received a call back after several days from XXXX stating that PNC would NOT be refunding my {$50.00} fee because the payoff received from XXXX was not posted until after the payment notice from PNC regarding the {$50.00} fee. According to the Statement dated XX/XX/23, the fee was due for payment on XX/XX/23 which was AFTER my account T was fully closed. I have Documentation verifying my claim for PNC to refund my FULL overpayment {$110.00} less {$69.00} received leaving a balance of {$50.00} they still owe me. Please advise if you want copies. I know it is only {$50.00} but the matter is that they are wrong and possibly illegal for keeping it.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION HAS LISTED ACCOUNTS ON MY CONSUMER REPORT WITHOUT MY PERMISSION. 
TRANSUNION IS NOW CIVILY LIABLE AND CRIMINALLY LIABLE Transunion is in violation of 15 U.S.C. 1692b. 
Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. 

I DID NOT GIVE TRANSUNION WRITTEN CONSENT AND THAT IS FRAUD. 

Transunion is Also in violation of 15 U.S.C. 1692g. 
They were to notify me in writing 5 days prior, To publishing this Alleged Debt, I was not. 
As the original creditor, only I can validate this debt. 
I do not validate this Alleged debt.
Product: Credit card or prepaid card

On XX/XX/2020 my due date for my credit card, I looked at capital one app because my credit card payment was due. I noticed a {$59.00} charge for annual membership fee posted on XX/XX/2020. I called customer service and asked to close my credit card venture to change to a different credit product without an annual fee. I was told that it was too late to cancel according to my terms. 

On the XX/XX/2020 call, I asked where I could find the terms which I could not find in the app. The account representatives told me they were not available on the app but could be found on the website. During this time, I was unable to find online. 

XX/XX/2020 I was now told that I could find these terms on my statement as I called back as I could not find these terms online under my login terms. 

I found this on my statement, " How can I Avoid Membership Fees? '' " If a Renewal Notice is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. '' However there is no charge on the statement ending XX/XX/2020. The charge is on XX/XX/2020 which I find unfair because it is structured so that you might miss the notice on XX/XX/2020 and not realize that you only have 15 days to cancel. If you don't look at your statement til close to your due date, than the time to cancel passes, which is what happened to me. 

Further, I asked if there were any relief benefits for people effected by Covid-19 on annual fee / interest rate reduction and I did not receive any.
Product: Vehicle loan or lease

I took out a car loan through Wells Fargo Auto on XX/XX/XXXX. The loan was reaffirmed on XXXX XXXX. No payments have ever been missed. The loan is active, and I am a month ahead of the payment schedule. Despite my continual payments, Wells Fargo listed this loan as closed on XXXX. I have tried to work with them for over a year, asking them to report my payments to the three major credit bureaus. They have lied to the credit bureaus, telling them the account is closed. I have all documents, including the reaffirmation agreement Wells Fargo signed and all auto loan bills sent to me and paid by me since XXXX.
Product: Credit reporting or other personal consumer reports

All three credit bureaus are reporting bankruptcy on my credit report they have put the data furniture as being the US BKPT CT IL XXXX which is false I have attached a letter from the US bankruptcy court of the XXXX XXXX of ILLINOIS verifying and stating that they do not furnish information or verify to the credit bureaus or any credit monitoring services nor do they verify or validate any information concerning bankruptcies Transunion, XXXX, and XXXX are falsely stating this information in my credit report and have yet to remove it from their credit report.
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. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please correct the items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX BANKRUPTCY DISCHARGED XXXX, XXXX XXXX Late Date XX/XX/22
Product: Debt collection

Capio Partners is reporting a medical account on my credit reports. I have tried disputing and getting this company to validate this account that I have no knowledge of. I have never allowed Capio Partners to have access to my medical records. Thats is a HIPAA LAW violation, you should not have any of my medical records or personal identification. You can not validate this to me and the account needs to be removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter via certified mail to XXXX on XX/XX/2018. Tracking number XXXX. It shows it was delivered on XX/XX/2018 and signed for. Transunion tracking number XXXX XXXX tracking number XXXX I sent the letter stating negative accounts were not mine, never opened by me. I sent proof of this. I also sent proof that I never inquired on multiple accounts listed as credit inquiries. I never received any information in return and these items are still listed as mine on my credit report. 

Accounts fraudulently opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX I also have over 12 inquiries I did not make. I sent proof of this as well. 

The student loans listed as negative were forgiven and I also sent proof of this. The XXXX XXXX was paid off in full. 

All of this information was sent over a year ago via certified mailed. It is my right and the law that this be resolved. This is having a negative impact on my life and I have taken any and all steps to resolve.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against XXXX alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX  inaction violates federal law and my rights as a consumer.
Product: Debt collection

The company XXXX XXXX XXXX is not licensed in the XXXX of Florida.
Product: Debt collection

Med 1 solution obtain garnishment order without notifying me of a court date. I got a copy from my work after questioning the deduction ( attached below ). This account is paid in full and has been closed and removed from my credit report. I have spoke to them twice and requested debt verification and my address. I have also mailed a letter to them requesting this information. They are currently garnishing my wages for a account that is closed.
Product: Credit reporting or other personal consumer reports

I sent a letter to the court reflecting on my credit reports to verify if they report to the credit bureaus. They responded and said no they do not report to any of the XXXX bureaus. I sent the letter the court sent me to XXXX of my credit bureaus and they denied my request to remove the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person ; I am a living human being. I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681, and they violated my rights numerus of times. I demand the inquiries listed below be remove because According to USC1681. I have the rights to privacy and i did not give Equifax written permission to furnish these accounts. 

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
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redressam filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on several occasions regarding inaccurate information on my credit report and they have failed to properly investigate and validate the information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS WERE PLACED ON MY CONSUMER CREDIT FILE DUE TO FRAUD 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: 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. 
XXXX XXXX,XX/XX/XXXXXXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX, are all unauthorized and 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.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I mailed out documents to Sentry Credit Inc for them to validate the debt that they claim I owe in the amount of XXXX or to delete it off of my credit report. I gave the debt collectors 30 days but have not heard anything back as of today XX/XX/XXXX. I sent a second letter to as of XX/XX/XXXX to validate the debt again and still have not heard back from the company.
Product: Credit reporting or other personal consumer reports

My account was in arear and I applied to the NYS Housing Assistance for help and on XXXX XXXX NYS sent a wire [ check ] to my mortgage company XXXXXXXX XXXX in the amount of XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. ) to be applied to my account. 
I called XXXX and ask for my credit to be updated and was told that would be updated on XX/XX/2023. Today I pulled my credit and was surprised to see the in accurate information that was reported to the credit bureau. It states that I am 120 days late and that my balance has been increase to {$220000.00}. As a result XXXX XXXX has closed my account.I find this deceptive because each month they report my credit to the burau but nothing like this. Why when a payment is made something like this could happen. Please I am asking you for help because I have no one advocating for me. Please see attached from the credit bureau. 
Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert notice from XXXX XXXX XXXX, an XXXX  company. They had received a report from Equifax regarding negative activity on my credit report ( attached ). It states that XXXX XXXX had reported my account with the as " Bad Debt '' and " Placed it for collection. '' On XX/XX/XXXX I  received an alert email from XXXX ( attached ) that my FICO rating had changed. My XXXX account details XXXX attached ) show that my credit score dropped 60 point on the XX/XX/XXXX and recommended I contact XXXX. 

I have contacted all three credit bureaus and filed disputed with Equifax and XXXX. XXXX referred me to Equifax as the reporting bureau. I will, however, re-attempt to file a dispute / notification with that agency. 

I dispute the negative impact of the " Bad Debt '' classification and the referral to a collection agency, XXXX XXXX, XXXX. I was never informed that such a step was being considered or given an opportunity to payoff my balance with XXXX XXXX, which I would have done. My credit reports ( XXXX 's is attached ) document an unblemished 81-month payment history. I also have routinely paid twice the minimum required monthly payment amount. My latest statement is attached, and I can provide two years of statements if needed.
Product: Debt collection

Debt Buyers are organizations that purchase credit card debt for a negligible amount of cents on the debts face value ( e.g. XXXX XXXX XXXX XXXX XXXXr ). Some DBs execute intimidating and coercive legal campaigns in pursuit of debtors who are mostly decent people but due to personal crisis, bad luck, lack of education, improvidence, etc. are in the throes of a financial black hole. These unsophisticated debtors clearly are unable to afford legal counsel, forced into an indefensible pro se position, and aggressively pursued by rapacious, predatory collection law offices with their unconscionable legal maneuvers to acquire exorbitant profits. 

Specifically in my matter : Initially, I had a conversation concerning my debt situation with the collection agent to advise of my poor financial situation ( no income, no assets ) precipitated by a $ 2MM embezzlement and discuss options ; the response was a cold Well, well just have to see what the judge says. 

Upon receipt of their pre-trial summons, being in that financial black hole, I bothered a dear friend, XXXX, a retired attorney, for his pro bono assistance. He contacted the plaintiffs legal team on my behalf ( with PoA per plaintiff attorneys demand ) and initiated settlement talks. Ref. email thread dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX doc During on-going negotiations, I asked XXXX if I still needed to appear at the pre-trial to avoid any default for failure to appear. He responded, NO, they are postponing the pre-trial as we were involved in settlement communications. Ref. email thread XX/XX/XXXX, XX/XX/XXXX Time went by without any plaintiff response, or, in fact, any communication whatsoever. Then, upon receipt of, out of the blue, a copy of notice of appearance as attorney on behalf of plaintiff, dated XX/XX/XXXX, I did some research and discovered that plaintiffs attorneys surreptitiously did not postpone the XX/XX/XXXX pre-trial and, in fact, filed for and received a Default Judgment ( XX/XX/XXXX ) for failure to appear at the supposedly postponed pre-trial. NOTE : To this day, we have not received any notification or communication regarding the plan to file, the filing or date for the Default Judgment hearing. Ref. Copy of Entry of Appearance, email thread XX/XX/XXXX Under the superficial appearance of legality, this collection law firm used a sneaky, manipulative, coercive legal strategy that breeches principle and ethics for the sake of disproportionate, XXXX profit. At XXXX XXXX  with no assets nor income other than SS benefits, I am forced to live under the weight of an ill-gotten Court order with no hopes of correcting. This is abuse. This debt collection tactic is unfair, unreasonable and needs to be exposed and investigated.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NCB Management Service XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to dispute any and all debts that you claim I owe to your agency. I am formally requesting that you provide validation of the debt in question, as well as the purchase agreement between your agency and the original creditor. 

Furthermore, I am revoking all rights for you to communicate with me via email, text, or phone calls. Please respect my request and refrain from contacting me through these means. 

Additionally, I am requesting that you furnish proof of being licensed and bonded to operate as a collection agency. It is important for me to verify your legitimacy before proceeding with any further communication. 

I would like to bring to your attention that you have failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), yet you have placed a collection on my consumer report. This is a violation of consumer laws and I demand that you rectify this immediately.

Furthermore, I have not been given the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( D ), which is another violation of my consumer rights. Your agency 's use of false misleading, misrepresentation, and deceptive means is unacceptable and must cease.

It is important to note that you have no authority to furnish any account to consumer reporting agencies without providing the necessary disclosures as required by law. This is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

I expect prompt action on your part to address these issues and provide the requested information. Failure to do so will result in further legal action to protect my consumer rights. 

Sincerely, XXXX XXXX