23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX, I purchased an entertainment center and a couch from value city furniture. On delivery day, I was called by an associate that the couch was defective and they would deliver me a new one in XXXX. I declined this delivery and informed this associate that I no longer wanted the couch. I did accept the entertainment center. I paid on this account despite getting NO bills from synchrony bank or value city... not even on request. I believe I paid off the XXXX. MONTHS later, synchrony bank sold my credit to XXXX XXXX XXXX who were demanding over XXXX for the couch. I explained the situation to them and to value city, only to be hung up on by both. I refuse to pay for something a did not receive. I have asked for the delivery receipt showing where I accepted this broken couch and no one can or will provide this to me. I have been fighting this ever since. My credit is being harmed. I want value city to refund synchrony bank and this taken off my credit report. I am done dealing with these people. No one should be able to provide Info to a credit report with absolutely no proof. Value city says they delivered it and I am saying yes I had it delivered but it was refused. I want a delivery receipt that states I accepted a defective couch. No one can provide me this. I need an investigation. It is not enough for a value city employee saying we delivered this product but can't prove it. That's abuse.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. Each time, I meticulously listed the disputed accounts and highlighted the violations they were causing to my consumer report. 

Despite this, it has now been over 30 days, and I have not received any response from your end. 

For your reference, I have attached copies of all the letters I sent regarding these disputes. 

I urge you to address this matter promptly and provide a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Bankruptcy Case Number : XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX BXXXX XXXX Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT
Product: Money transfers

I have a paypal credit account, which used to be linked to my Paypal Account, that I use for my business. Unfortunately, several months ago, my credit account through paypal was canceled, because I was n't pulling up my statements from my email, but rather, was logging in directly through my paypal account. When I tried to reinstate my account, the customer service agent asked me verification questions, and in one of the questions, she referenced XXXX streets, which were cross streets at an address that I had lived at 12 years prior. Since I gave the wrong answer, I had to fax information to them. I have no access to a fax machine, and they would not accept an email. 

Since then, my paypal credit account has been canceled, and each month I have had no issues in paying the minimum payment, until now. Now, Paypal has rejected SEVERAL payments from me, which I have been trying to pay since the day before the due date. They will not accept money directly from my paypal account, nor will they accept money from my bank. I want this to be taken care of electronically, with the payment of {$25.00} taken from my paypal account, and put into my paypal credit account. No one can tell me what is going on, and it makes no sense that they are not allowing me the access to pay my bills on time, through their system.
Product: Checking or savings account

I AM A VICTIM OF IDENTITY THEFT, SOMEONE ELSE IS USING MY INFORMATION TO OPEN THIS ACCOUNT
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Hi, I have a bank called XXXX XXXX XXXX  and sent wire to Bank of America na for a car for XXXX and the Bank of America called my bank XXXX XXXX XXXX and said it was suspicious then my bank manager called me and told me ask me to check it out then I found out it is scam .so Im trying to get back my money. It was part of my XXXX. Please if you can help .thanks
Product: Debt collection

When checking my credit report, i found that this company is saying that i owe them {$2500.00} i have not taken out no loan or owe this company any money. i want this taken off my report. i will keep sending complaints until this is solved. i will write letters personally if i need too.
Product: Credit card or prepaid card

I have an issue with my XXXX XXXX XXXX credit card issued by Comenity Bank, customer care phone number XXXX. I spoke to a rep and was transferred to an account XXXX. I then called again later that day and tried to escalate my call to a supervisor. I was told it may not be possible to speak to one. 
I have also spoke to customer care for the vendor, XXXX XXXX. 
On XX/XX/2022, I paid my minimum payment on my credit card. On XX/XX/2022, XXXX was paid bring the balance to {$0.00}. I noticed the error and paid the XXXX on XX/XX/2022. 
On XX/XX/2022, my statement cycled and I was charged an interest fee of {$24.00}. This resulted in a fee only statement. Each time I requested the fee to be waived as a fee only statement and was told it was not a fee and therefore could not be waived. 
I could be wrong, but is this not a violation of the XXXX XXXX or XXXX XXXX policy?
Product: Credit reporting

Capital one ending in XXXX lost XXXX of my payments and applied to my old card in XXXX NONE were ever late they stated they never reported it as late
Product: Credit reporting or other personal consumer reports

XXXX  see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumasfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There was a Data Beach breach with Experian were personal information was stolen now Im seeing all types of purchases on my credit score that were not my doing
Product: Credit reporting, credit repair services, or other personal consumer reports

My Chapter XXXX Bankruptcy was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with all three Credit  Reporting Agencies and I am not disputing. It will be 10 year showing on my credit report in XX/XX/XXXX. I am currently in process of trying to refinance my house. I am just humbly request that this information be considered for early exclusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX have been furnishing my alleged transaction & experiences with their company which is in violation of 15 U.S. Code 1681a - Definitions ; rules of construction.2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Security Credit Services is violated by privacy : 15 U.S.C 1681 section 602 A. States I have the right to privacy..

15 U.S. Code 1681- Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION 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 to be updated.

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 21 days before the payment due date. 


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


I have requested proof that this information was mailed or delivered 21 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
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX - Upon receiving results of my report there still appears inaccurate reporting and its disturbing that TRANSUNION LLC continues to violate my God given rights. I am CHRIST as a reminder and I dont own anything on Gods law-land-air-water. I am clearly the beneficiary and their violating my rights under the 5th & 6th amendment of the united States Of America Republic Constitution. 

Including violating Privacy, inaccuracy of balance, charges off and collections ( 15 usc 1601, 15 usc 1666, 15 usc 1692 ( d ) ). There is no such thing as even a late payment when payments are paid in full upon application and money is created from thin air. There has been no actual currency since XXXX ; gold or silver doesnt even back the dollar anymore. We are in a fictitious corporate society that I did not land here on earth to consent to. I am from the heavens above and I thought I share the light that the Angelic Beings above and before us are gathered together and will soon destroy the wrongdoers. A mass destruction will be set upon TRANSUNION LLC organization and suffering will arise for what is being done to Gods people. 

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-ftc-take-actions-against-transunion-illegal-rental-background-check-and-credit-reporting-practices/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX At- XXXX XXXX Beneficiary of Gods Trust
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a customer of Bridgecrest from XX/XX/XXXX to XX/XX/XXXX. The loan was paid off. Bridgecrest is reporting an error to XXXX. Bridgecrest is reporting DATE OF FIRST DELIQUENCY as XX/XX/XXXX. This is not correct. This was recently changed by Bridgecrest. On previous reports the DATE OF LAST ACTIVITY was XX/XX/XXXX, which is correct because this is when the account was officially closed. This is hurting my credit rating because it appears I have a recent delinquency. I have filed a dispute with XXXX to have this corrected and Bridgecrest confirmed the error as accurate. This is inaccurate and is a FCRA violation called re-aging.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following 2 accounts on my credit report, and I was never given any physical verification as promised by the FCRA, instead my report was updated without verification. The following accounts, XXXX XXXX XXXX ( XX/XX/XXXX ) inwhich I was put on as an authorized user inwhich I had no knowledge of. Also I disputed XXXX XXXX XXXX ( XX/XX/XXXX ), a company inwhom says they have absolute no record of me and advice me to dispute it, However, XXXX keep updated this information, never not once giving me an physical documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and provided XXXX with everything they asked for and the fraudulant accounts were deleted from my credit file on XX/XX/XXXX. Then i get a letter in the mail on XX/XX/XXXX stated that the accounts were being reinserted due to the police report not being valid or unverifiable. So i contacted the XXXX Police Department and asked if XXXX were to contact them directly could they verify that my report was valid and the lady said yes, no problem but they had not received a call from XXXX   regarding my report. I then called XXXX back 5 minutes later and they kept giving me excuses because they lied about calling the XXXX Police Department. They keep reporting the accounts as being verified. I even called the original creditor about the accounts and they had the wrong birthdate and age.
Product: Credit reporting, credit repair services, or other personal consumer reports

30 Day Late listed on credit report. I sent the correct documents to validate and support my claim. The account have been removed from the other two major bureaus, but Equifax has yet to address the issue, remove the account or at least the 30 day late and the balance reported.
Product: Debt collection

This account was added during the pandemic. I was a victim of data breach where my information was stolen and used without my permission. I had tried numerous times to get Hunter Warfield to provide me with leasing agreements, signatures, contracts etc. they have not responded to any requests by certified mail for over a year now. They have called me at my employer harrassing me. This debt does not belong to me it needs to be deleted.
Product: Credit card or prepaid card

On the XXXX of XX/XX/2021 my employer XXXX XXXX XXXX XXXX XXXX contacted Netspend ( Skylight One ) Bank and had my account closed with {$15000.00} still in the account and prepaid card. When trying to contact the bank/company they could not enter into the account nor aid me with withdrawing the money my employer had deposited. After trying to contact my employer numerous times regarding the money still in my account they blocked my phone number and refuse to take any calls. The bank refuses to aid in any way to withdraw or transfer the money from that prepaid account onto a seperate bank account saying I need to contact my employer so they can allow the withdrawl or transfer. My prepaid card no longer works and I can no longer make purchases using the card or withdraw money from ATMs.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payment Reporting and Request for Balance Non-Disclosure Re : Dispute of Late Payment Reporting and Balance Disclosure XXXX XXXX XXXX XXXX Account ( Account # : XXXX ) Dear credit report agencies I am writing to formally dispute the inaccurate reporting of late payments and the display of my balance associated with my XXXX XXXX XXXX XXXX ( Account # : XXXX ) on my credit report. The information being reported is inaccurate and conflicts with my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Protection Act ( CCPA ). 

Account Details in Dispute : Account Type : Auto Loan Date Opened : XX/XX/year> Balance Reported : {$50000.00} ( as of XX/XX/year> ) Past Due Amount : {$990.00} ( as of XX/XX/year> ) Original Balance : {$49000.00} Basis for Dispute and Balance Non-Disclosure Request 1. Inaccurate Late Payment Reporting : The reported past-due amount of {$990.00} is incorrect and has not been properly validated. Under the FCRA ( 15 U.S.C. 1681e ), consumer reporting agencies are required to ensure the maximum possible accuracy of information reported. If the late payment information can not be verified, it must be removed. 
2. Right to Privacy and Non-Disclosure of Balance : Section 913 of the CCPA ( 15 U.S.C. 1693k ) prohibits the display of financial account information, including balances, without lawful justification or explicit consent. I do not consent to the reporting or display of my account balance on my credit report and request its immediate removal. 
3. Violation of Consumer Protection Standards : The FCRA mandates that consumer information be reported fairly, accurately, and only for permissible purposes. The continued reporting of this accounts balance and late payments in their current form is neither fair nor compliant with federal law. 

Requested Actions : 1. Remove the inaccurate late payment information from my credit report immediately. 
2. Remove the balance information for this account from my credit report in accordance with my rights under federal law. 
3. Provide written confirmation of all corrections made to my credit report. 

Supporting Documentation : I have attached the following documents to assist in resolving this matter : A copy of my credit report with the disputed account highlighted. 


Conclusion : Please investigate this matter and provide a resolution within the 30-day timeframe required under the FCRA. If the information can not be verified as accurate, it must be deleted from my credit report. Additionally, my balance information must no longer be displayed to protect my privacy rights under the CCPA. 

Thank you for your immediate attention to this matter. If you require further information or documentation, please contact me directly at XXXX. 

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

company below ran a hard inquiry without my consent. 
No idea what CIS XXXX is Please remove from record and I would like to report and Sue CIS XXXX. 

CIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX