23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I saw an email from capitol one asking me to confirm a recent purchase so I called them. I had multiple charges. 2 on XX/XX/XXXX for XXXX XXXX XXXX XXXX for {$260.00} another at the same place for {$170.00} and one cash advance for {$300.00} listed as merchant XXXX. They reversed the chargers then they decided because my card has a chip it couldn't be considered fraud and put the charges back. I have the only card and do not shop at XXXX nor would i ever use a cash advance on a high interest credit card. I went back and fourth with customer service, their fraud department for hours and they just kept repeating the same thing about the chip. I've filed a police report and they still will not remove these charges. Oh and I never received my new card bu apparently they send it out already activated and link it to old accounts you no longer use.
Product: Credit reporting, credit repair services, or other personal consumer reports

18 U.S.C 1028 No consent to share my information at all!!

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Total 3= {$3000.00} 18 U.S. Code 894 - Collection of extensions of credit by extortionate means Total 3= {$4000.00} 15 U.S. Code 1681o - Civil liability for negligent noncompliance Total 10= {$10000.00} 15 U.S. Code 1681n - Civil liability for willful noncompliance Total 10= {$10000.00} 15 U.S. Code 1681b - Permissible purposes of consumer reports Total 5= {$5000.00} Over {$30.00}, 000 Violations and I want to know why exactly you will not remove the fallowing accounts please send me something in writing as I am bringing a civil suit against Transunion. How this information is verified as accurate if I can prove that you are reporting inaccurately!! 

XXXXXXXX XXXX XXXXXXXX " PAST DUE BALANCE OF {$1800.00} '' THIS ACCOUNT ALSO SHOWS AS A CHARGE ACCOUNT IT IS ILLEGAL AND FEDERAL LAW STATES THAT YOU CAN NOT REPORT A PAST DUE BALANCE ON A CHARGE OFF ACCOUNT. 

THIS ACCOUNT ALSO SHOW INCORRECT PAYMENT XXXX XXXX XXXX WHICH ARE GROUNDS FOR DELITION -- -- - VIOLATIONS FOR THIS ACCOUNT {$5000.00} XXXX XXXX XXXX " PAST DUE BALANCE OF {$450.00} '' THIS ACCOUNT ALSO SHOWS AS A CHARGE ACCOUNT IT IS ILLEGAL AND FEDERAL LAW STATES THAT YOU CAN NOT REPORT A PAST DUE BALANCE ON A CHARGE OFF ACCOUNT. 

THIS ACCOUNT ALSO SHOW INCORRECT PAYMENT XXXX XXXX XXXX WHICH ARE GROUNDS FOR DELITION -- -- - VIOLATIONS FOR THIS ACCOUNT {$6000.00} XXXXXXXX XXXX XXXX  PAST DUE BALANCE OF {$820.00} '' THIS ACCOUNT ALSO SHOWS AS A CHARGE ACCOUNT IT IS ILLEGAL AND FEDERAL LAW STATES THAT YOU CAN NOT REPORT A PAST DUE BALANCE ON A CHARGE OFF ACCOUNT. 

THIS ACCOUNT ALSO SHOW INCORRECT PAYMENT XXXX XXXX XXXX WHICH ARE GROUNDS FOR DELITION -- -- - VIOLATIONS FOR THIS ACCOUNT {$5000.00} XXXXXXXX XXXX XXXX PAST DUE BALANCE OF {$1200.00} '' THIS ACCOUNT ALSO SHOWS AS A CHARGE ACCOUNT IT IS ILLEGAL AND FEDERAL LAW STATES THAT YOU CAN NOT REPORT A PAST DUE BALANCE ON A CHARGE OFF ACCOUNT. 

THIS ACCOUNT ALSO SHOW INCORRECT PAYMENT XXXX XXXX XXXX WHICH ARE GROUNDS FOR DELITION -- -- - VIOLATIONS FOR THIS ACCOUNT {$5000.00} XXXXXXXX XXXX XXXX  PAST DUE BALANCE OF {$140.00} '' THIS ACCOUNT ALSO SHOWS AS A CHARGE ACCOUNT IT IS ILLEGAL AND FEDERAL LAW STATES THAT YOU CAN NOT REPORT A PAST DUE BALANCE ON A CHARGE OFF ACCOUNT. 

VIOLATIONS FOR THIS ACCOUNT {$2000.00} XXXXXXXX XXXX XXXX  PAST DUE BALANCE OF {$510.00} " THIS ACCOUNT ALSO SHOWS AS A CHARGE ACCOUNT IT IS ILLEGAL AND FEDERAL LAW STATES THAT YOU CAN NOT REPORT A PAST DUE BALANCE ON A CHARGE OFF ACCOUNT. 

VIOLATIONS FOR THIS ACCOUNT {$2000.00} XXXXXXXX XXXX was never late on this account delete it asap!!
Product: Credit card

On Wednesday, XX/XX/XXXX I made a payment in full of almost {$6300.00} dollars. Normally payments clear within a day, two at most, but this time Venmo, managed by Synchrony Bank has not clear my available balance even after 3 days. I called them today to find out why and the reason I was given is because apparently there's an invisible 'threshold ' of {$2500.00} dollars that are counted together with purchases or payments and any amount over that is on hold for 7 days! Ridiculous. They already took my cash from my checking account and are holding it somewhere instead of applying it to my available balance. They should pay me interest for holding my money this long. They also refused to provide written documentation regarding this 'threshold ' which does not show anywhere. If this is indeed the case, as some representatives refuse to do their jobs, then they must be investigated for doing anything outside of the law. Anyone holding another person 's money needs to pay them interest while doing so. Other Venmo/Synchrony users beware!
Product: Debt collection

I believe FCRA 605B means that incorrect accounts must be removed from credit reports. Could you please review the documents? There are some wrong accounts on my report, and it's making me feel uneasy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX REMOVE THIS NOTICE FROM MY CREDIT REPORT. I DONT HAVE A TRANSPORTATION SERBVICE THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report that is reporting incorrect information that is withholding me from seeking new lines of credit. I have disputed this alleged account with Equifax on XX/XX/2021. The account is from XXXX XXXX and the payment history reporting is incorrect on this account along with an incorrect balance. Since sending the dispute letters on XX/XX/2021, I did not receive a response from Equifax within 30 days as required by law. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. Attached is the certified mail showing proof of my disputes. I have tried relentlessly to remove these accounts with both the creditor and the credit bureau and they have not responded in a timely manner or provided any of the proof, or documentation demanded for these accounts along with they have failed to update any incorrect information as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equfax has violated the Fair Credit Reporting Act by keeping a creditor, XXXX XXXX on my credit when I have provided evidence XXXX XXXX has provided inaccurate information on my credit when has been removed three times. 

This account was removed from my credit due to violation of the Fair credit report since XX/XX/XXXX. XXXX XXXX has violated the Fair Credit Reporting Act and the Magnuson-Moss Act and the Truth in Lending Act by the following : under 1692f by acting as a debt collector and and creditor on a warranty attached to a service loan, 1666c prompt and fair credit payments, and 1681c requirement relating to information contained in the credit report. 

XXXX XXXX has presented 2 original loan balances in the amount of XXXX and XXXX and both showing a past due balance. 

In XX/XX/XXXX I contacted Equifax by phone in verifying if XXXX XXXX was on my credit and was told it was removed. I found out by pulling my credit XXXX XXXX is still on my credit. XXXX XXXX balance is inaccurate because the warranty that was attached to the property was non delivered and the dispute is in pending litigation in the court.
Product: Credit card or prepaid card

XXXX keeps trying to charge us {$210.00} for XXXX XXXX cards @ {$210.00} which we never ordered. Notified them immediately to reverse. Twice they have snuck them back into our account. We are XXXX XXXX XXXX and have no game devices and no need for cards and never got them. After XXXX reversed challenges they need to XXXX sanctioned and reverse the chargesagain.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following negative account XXXX BANK ( Opened XXXX XXXX, XXXX, Balance {$41000.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the below listed Accounts are violating my rights XXXX XXXX ACCT # XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX 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

These inquiries were made without my explicit consent, and I believe they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( Permissible purposes of consumer reports ) and XXXX XXXX. XXXX ( Limitations on information sharing ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Reporting numerous accounts to my credit report that are not mine they are not licensed in Texas to be reporting this on my credit therefore I want it removed asap
Product: Credit card or prepaid card

To whom it may concern, I opened a secured credit card account at Wells Fargo a few months ago, and told the banker very clearly that I would do the autopay with my checking account from XXXX. She said no problem and asked me to open a saving account on Wells Fargo. After a lot of signature without further explanation from the banker, she said that I was all set. I was actually very happy at that time, did not know she linked my secured credit card with my saving account from Wells Fargo in which I do not have enough money to pay back. I did not realize it only after about a month. For sure, it gave me a lot inconvenience later. I spent hours on calling/writing them many times trying to ask for the feedback from Wells Fargo. They did not admit the fault they made, repeatedly showed me that my signature was on the document. However, I was never told the document was the autopay linked to my Wells Fargo saving account.

Thank you for listening.

Best regards,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX Account # that starts with XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Account # that starts with XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # that starts with XXXX XXXX XXXXXXXX Account # that starts with XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Accpunt # XXXXXXXX XXXX XXXX XXXX Account # that start with XXXX XXXX Account # that starts with XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # that starts with XXXX XXXX XXXX  Account # XXXX XXXX U.S.C. XXXX Section XXXX A. States I have a right to privacy XXXX  U.S.C. XXXX  Section XXXX Section XXXX It Also states that a consumer reporting agency can not furnish an account without my written instructions XXXX  U.S.C. XXXX ( A ) ( XXXX ) Section States No consumer reporting agency may make any consumer report containing the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than XXXX years XXXX U.S.C. XXXX ( A ) ( XXXX  ). 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: Money transfer, virtual currency, or money service

As a qualified entrant in the XXXX Western Union {$1.00} Million Giveaway, I am complaining about : 1. The issue of non-payment of the grand prize to the reported winner, XXXX XXXX by Western Union based on attached documentation.
2. The issue of non-receipt of grand prize by reported winner, XXXX XXXX, from Western Union.
3.The issue of non-selection of alternate winner to receive grand prize by Western Union .
I am therefore requesting Western Union to resolve my complaint by providing documentation regarding the award of the prize of the XXXX Western Union in a similar manner like the announcement Western Union made on XX/XX/XXXX regarding a similar sweepstakes namely " Win a Mother 's Day 's Dream '' sweepstakes which I have attached as part of my complaint. I am also requesting Western Union to select me as an alternate winner since I was a qualified entrant in the event further action is warranted.
The name of the reported winner of the XXXX Western Union Sweepstakes, XXXX XXXX appears to be fictitious as shown by the attached documentation sent to me by Western Union. The city and state of XXXX XXXX was not reported. In fact, no indication XXXX XXXX was awarded the grand prize.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is Showing inaccurate information on TransUnion, XXXX, The activity date is wrong also the opened date they do not match. one is showing open and one is showing closed. I have tried reaching out to them but to no avail.
Product: Debt collection

In XXXX, I made a payment to Pro Collect Debt collectors ( XXXX Tx ) for a remaining balance of a apartment Lease " break '' as a result of having to move early because of Domestic Violence. It was a partial payment that they accepted, however when I attempted to go online to make a payment towards balance owed it would not allow me to make a payment was {$1800.00} ( paid In full ). I then contacted the company and emailed them. The collection manager responded to the email informing me I cant make any other payment unless it's the full amount. I also asked if my payment from previous month was used towards balance, as it does not show me, nor is there any breakdown. This also made me fearful because I'm eager to pay this off, so I'm able to move into an apartment but I'm concerned I can pay this and it's still showing on my credit and never removed. I then searched on XXXX only to find out this is exactly what they do to people, after they pay off their balance, it's never reported as paid in full or in good standing. This could mean that once I pay in full, there is no place stated that they will stop reporting this negative debt on my credit report, even after it's paid in full.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX and 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 XXXX 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 card

I received an e-mail earlier this week seemingly from Bank of America that I had been denied for their XXXX XXXXXXXX XXXX XXXX card. I do not bank with Bank of America, nor did I ever apply for said card. I thought it might be a scam, so unfortunately I deleted the e-mail. Today ( XXXX ), I received a letter in the mail from XXXX XXXXXXXX XXXX stating that they couldn't approve my request for their XXXX XXXXXXXX XXXX XXXX card. 
I called the XXXX number and reported this, and they suggested I call Bank of America 's fraud line. When I call their fraud line, it's automated and I'm asked to enter my account number or other information that I don't have, as ( like I stated above ) I do not bank with Bank of America. I am concerned about my data having leaked and possible identity fraud/theft.
Product: Debt collection

Sunrise credit collection purchased account from XXXX XXXX XXXX after repeatedly being notified of identity theft. Police report was submitted after notifying creditor of fraud. I XXXX XXXX asked for original contract agreement along with submitting evidence of previous violation of FCRA rights to fair credit reporting. Original contract agreement shows social security ending in XXXX which doesnt not belong to myself. Somehow, XXXX XXXX XXXX and Sunrise has linked this account fraudulently.
Product: Credit reporting or other personal consumer reports

I've reached the point of seeking a arbitration against Transunion for deliberately violating my rights and continuing to falsely report inaccurate information to my credit report as verified. As this is my XXXX time requesting the deletion of the accounts listed in the documents attached to this complaint. How is it possible that XXXX and XXXX deleted the same accounts while stating that they contacted the companies and was able to verify the accounts? This proves even more that Transunion failed to properly investigate my disputes multiple times, while intentionally continuing to report unverified inaccurate information on my consumer report. Transunion displayed many times willful violations of the FCRA and has caused me emotional distress from embarrassment after being denied credit. I've been disputed these accounts for XXXX months too long and it has weighed on my mental very heavy. I recently started back going to therapy because the emotional impact from these derogatory marks caused me to have a set back from routinely coping with severe XXXX and XXXX I am once again attaching proof from XXXX and XXXX showing that theses accounts were inaccurate.
Product: Credit reporting or other personal consumer reports

I filed a complain with you the CFPB in 2022 case numbers XXXX and XXXX I enclosed all accounts that are reporting incorrectly and not my account. I also submitted to you my police report case # XXXX incident complaint date XXXX XXXX XXXX police XXXX 

Since then no items have been removed and all XXXX credit bureaus continue to report inaccurate information after I disputed it time and time again with them. A complete list was in your original complaint!!! 

Please help me in this matter Ive waited 2 years and this is still unresolved!!!