23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted.

Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : SUNRISECRED ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/year> Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt.

Ceaseanddesistasap
Product: Credit card

I have asked that Comenity ( XXXX ) remove this account from my credit reports. The last payment was made on XX/XX/XXXX thus becoming delinquent on XX/XX/XXXX. The account was not charged off until XX/XX/XXXX however it must be removed after 7 years from date of delinquency. I have submitted to have this removed 3 times since XX/XX/XXXX. I am attaching the last paid statement from Commenity showing this. This document was given to the debt buyer showing this last payment as well. Name on account was under my former name of XXXX XXXX.
Product: Credit card or prepaid card

In XX/XX/XXXX I loaded {$75.00} onto a Transact Prepaid Mastercard issued by Netspend so that I can purchase my XXXX Ticket to go home and get my XXXX XXXX XXXX and to pick up my medication. After loading the money and calling the number too activate the card - I was told that I had to wait to speak with customer service- this would take 6 hours because they were not open. I miss my train, I miss my appointment for my XXXX XXXX XXXX and now i dont have my medication and Im stranded without money to get home. I spoke to customer service and for unknown reasons they said they couldnt activate my card and that they will send me a check which will take 7-10 business days - this has put me in major medical bind because - the series of vaccinations are scheduled on purpose so that it will be effective - netspend has negligently handled my situation and has failed to provide due diligence in ensuring I get my funds so that I can handle my medical needs.
Product: Credit reporting

I made application on line for my report, they will not let me see the report, telling me to call them. After 1/2 hour on the phone to them, no one answered. It is sad that personal information lies with those we do not know. Sadder that we can not even find out what is being reported on us, without our permission.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance : {$11.00} XXXX  XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i called the company on XX/XX/2019 to ask why they pulled my credit report they told me that i do not have an account with them i gave them my information and they could not tell me why. i never ask for credit from them or sign anything to have them pull my report. 

please have them delete this inquire they could not help me XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Product: Credit card

On XX/XX/XXXX, Bank of America alerted me to four fraudulent charges on my credit card, each made within minutes of each other, and all charged to the XXXX XXXX. I immediately filed a fraud dispute and received a new credit card. To this date, Bank of America has refunded only two of the charges. See statement below. 


XX/XX/2024 XXXX transaction for Transaction date : XXXX DISPUTE Type Bank Transaction - {$2100.00} {$2600.00} XX/XX/XXXX XXXX transaction for Transaction date : XXXX DISPUTE Type Bank Transaction - {$2600.00} {$4700.00} XX/XX/XXXX XXXX transaction for Transaction date : XXXX XXXXXXXX XXXX  Type Purchases {$2600.00} {$7400.00} XX/XX/XXXX XXXX transaction for Transaction date : XXXX XXXXXXXX XXXX  Type Purchases {$2100.00} {$4700.00} XX/XX/202XXXX XXXX  transaction for Transaction date : XXXX XXXXXXXX XXXX Type Purchases {$2600.00} {$2600.00} XX/XX/202XXXX XXXX transaction for Transaction date : XXXX XXXXXXXX XXXX  Type Purchases {$2900.00} - {$79.00} I have contacted Bank of America four times since this happened. They are insisting that the two charges to the XXXX XXXX for XXXX and XXXX were never charged against my balance. However, as you can see from the statement above, that is clearly not the case. 

The Claim ID number is XXXX. 

I would appreciate any assistance you can provide to help me get those charges removed from by balance. Thank you.
Product: Money transfer, virtual currency, or money service

I am an avid user of cash app and in my time of using the app Ive had money be taken out without a corresponding transaction Ive had transactions I didnt approve that when I tried to bring up to them they said it was a subscription and they couldnt do anything about it even though it was a fraudulent transaction. I had asked for my transactions to match with the amount in the account and was told I already could see my transactions.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

I am a victim of ID Theft. I was contacted by the U.S. Secret Service that someone was using my name and SS information. I was informed that XXXX XXXX was arrested and is currently standing trail in US Court. I  have been working to clear up fraud on my credit with XXXX XXXX XXXX. When I was contacted that someone was trying to get a job and car in my name in XXXX PA, thats when I pulled my credit report I found more activity that was not mine. I found that accounts she never opened are in collections and taxes was filed under my name and my children were claimed on taxes. I am not sure when my birth certificate and SS were stolen somewhere between XX/XX/XXXX-XX/XX/XXXX. The Following accounts are not mine XXXX   XXXX XXXX XXXX  XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX,
Product: Money transfer, virtual currency, or money service

Im issuing a complaint to express my concerns regarding Zelles mishandling of disputes. I use Zelle numerous times and reported discrepancies however my financial institution failed to investigate my claims adequately. Informing me that tracking the funds were not possible. I trusted my money will be protected but now due to their negligence, has left billions of people vulnerable to scammers. I had to then close my account with XXXX  XXXX XXXX and go with another financial institution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

In this particular case, FedLoan had granted Administrative and General Forbearance on each of my accounts specifically for the time frame of XXXX to XX/XX/2017, this is also the time frame during which each of my Fed Loan accounts show as Past Due on credit reports from each of the credit bureaus. The purpose of the forbearance was to prevent the accounts from populating as Past Due - furthermore, it was explained to me by a FedLoan associate that by agreeing to Forbearance terms and interest rate changes, I would allow FedLoan to report a forbearance instead of a past due for this time period - which was entirely the purpose of agreeing to such terms - to prevent credit damage. It is therefore inaccurate for FedLoan to report this time frame as Past Due and for there to be no mention whatsoever of the Forbearance. The purposeful inclusion of Past Due and withholding of the Forbearance for the aforementioned time frame is both misleading, inaccurate, unethical, and predatory - and it places FedLoan in direct violation of the FCRA. FedLoan has not fulfilled its obligation to assure maximum possible accuracy of the information being reported. FCRA 623 ( a ) ( 2 ) stipulates that any information, once reported, must be promptly updated so as to maintain its current accuracy. In order to maintain current accuracy, FedLoan needs to remove all Past Dues being reported on my accounts from XXXX to XX/XX/2017 and assure that Credit Bureaus report this time frame as Forbearance instead. FCRA 623 ( a ) ( 1 ) stipulates that if information is reported, it can not knowingly be inaccurate or misleading - FedLoan has been made aware of this discrepancy on several instances and has refused to make any adjustments. Section 607 ( B ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. These discrepancies on my credit report have negatively impacted my life in ways I can not begin to explain. My credit worthiness outside of my experience with FedLoan is clean and blemish-free. 

The following accounts are reporting erroneous late payment information from XXXX through XX/XX/2017. These accounts are included in a hardship forbearance granted by FedLoan. The forbearance means that no payments are due and therefore no payments could be late on them. FedLoan can not state that the account is currently showing as Forbearance for that time period but continue to report that time period as Past Due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the CRA ( TransUnion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. I disputed some accounts on my TransUnion credit report that are inaccurate and inconsistent. The company came back and said that the accounts are accurate. I wrote them, along with a copy of my credit report outlining the inaccurate information. I don't believe that they did a proper investigation in this matter. These were some blatant inaccuracies and violations on my credit report per FCRA. The report file number is XXXX.
Product: Debt collection

Portfolio Recovery Associates LLC XXXX XXXX XXXX XXXX VA XXXX Attorney for the plaintiff : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX CASE NO XXXX XXXX XXXX XXXX account opened in XX/XX/XXXX CLOSED XX/XX/XXXX DUE TO FRAUD Balance owed was {$0.00} on XXXX XXXX Any fraudulent charges after XX/XX/XXXX I AM NOT RESPONSIBLE! 

Dispute filed with XXXX on XX/XX/XXXX File Number XXXX Still under review by XXXX   Many of the XXXX accounts were hacked in XXXX - security breach This is NOT my account you are trying to COLLECT. 
DO NOT CONTACT ME ANYMORE in writing or nasty calls to my wife number until this is being investigated REMOVE FROM MY CREDIT REPORTS! 
Company filed complaint with the XXXX COUNTY COURTS CASE NO XXXX XXXX BALANCE OWNED XXXX DOLLARS NOT OWED STOP HARASSING ME AND MY FAMILY ORIGINAL CREDIT REPORT WILL BE PROVIDED UPON REQUEST!
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Against TransUnion for Inaccurate Late Payment Reporting on Account XXXX Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX XXXX XXXX. Despite multiple requests for correction, dated XX/XX/year> and XX/XX/year>, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), causing undue harm to my creditworthiness. 
Details of the Reported Late Payment : Account Number : XXXX Account Type : Installment ( Lease ) Account Status : Closed Balance : {$0.00} High Credit : {$12000.00} Payment Status : 60 Days Late Reported Late Payment : XX/XX/year> Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payment reported in XX/XX/year> is inaccurate and has not been corrected despite multiple disputes. 
15 U.S. Code 1681e ( b ) : Credit bureaus must follow reasonable procedures to ensure maximum accuracy of credit report information, which has not been upheld in this case.

Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of the late payment indicates a failure to comply with this requirement, undermining consumer rights to accurate disclosures.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely and accurate statements, preventing unfair penalties to consumers. The erroneous late payment on this account violates these protections.

Resolution Sought : Immediate removal of the inaccurate late payment notation for XX/XX/year> from my credit report. 
Written confirmation from TransUnion that this correction has been made. 
If this issue is not resolved promptly, I will escalate this matter further, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary. 
I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I sent letters to Equifax XXXX XXXX the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please delete the following accounts : ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to advise of an ongoing discrepancy on my 3 credit bureau reports ( XXXX, XXXX and TransUnion ) caused by XXXX/ XXXX XXXXXXXX ( formerly known as XXXX XXXX ). They are currently reporting an account and associated loans as a profit and loss write-off, with the current balances due. This account/loans were for Private Student Loans, which are unsecured loans and not federally funded. Their website indicates that the first payment was due on XX/XX/XXXX and no payments were ever received. As you are aware, there was no grace period on these private student loan. I have made multiple requests, over the past several years, for copies of any promissory notes and/or contracts bearing my handwritten signature, but none have been provided to date. Given these facts, I assert that XXXXXXXX/XXXX XXXX ( formerly XXXX XXXX ) is currently in violation of the FCRA as described below : Per FCRA 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

The 7-year +180 day period which is allowed under FCRA began on XX/XX/XXXX and has since expired on XX/XX/XXXX. Regardless of XXXX 's choice to officially charge off the account/loans at a later date, my protection under this rule should not change. I therefore requested that the account and all associated loans be deleted from my credit report with all three credit bureaus ( XXXX, XXXX and Transunion ) IMMEDIATELY, with written confirmation sent within 30 days. I also request that XXXX ( formerly known as XXXX XXXX ) and its assignees refrain from any and all collection activities including credit reporting at a later date. Failure to remove these accounts constitutes a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife has opened a XXXX XXXX credit card, and added me as an authorized user, but then i got myself off her card, and theres still a missed payment showing on my Transunion credit report from my wifes card.
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. It has been a bump into going over this and I am submitting this complaint OVER AND OVER AGAIN to remove the fraudulent account in my file that are reporting on Transunion Credit Bureau. This is so unbelievable! How can you guys let these multiple complaints pass? I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I need Transunion to be held accountable & have the account blocked/removed : XXXX XXXX XXXX
Product: Debt collection

A letter dated XX/XX/2020 was sent to me from Creditors Bureau Associates XXXX XXXXCollections division in an attempt to collect debt I owed to XXXX XXXX XXXX XXXX XXXX. This debt results from an XXXX examination that occurred years ago and I never received I bill. While I have paid the debt in full, it is unjust to turn a debt over to a collection agency without first notifying that individual that the debt exists. This hurts my credit rating and justifiably so. I demand that any unfavorable information be scrubbed from my credit report.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/, I requested XXXX ( XXXX USD ) to be transferred from my XXXX XXXX  account to my XXXX XXXX  account via XXXX XXXX The money was traded on XXXX XX/XX/. To make the transfer, XXXX wired the funds to CitiBank XXXX. The transaction was rejected on XXXX XX/XX/, and XXXX XXXX XXXX XXXX department never received a record of the funds. 

I opened an inquiry with XXXX dated XXXX XX/XX/2023 regarding an international wire transfer fund. The case has not been resolved. They advised that I reach out to XXXX. When I reached out to XXXX, who can not help since the money never made it to them, advised me that XXXX must request a recall from CitiBank XXXX to return the funds. I have been in contact with XXXX over the course of 6 months and they have tried to reach out to CitiBank 5 times, but CitiBank has not responded or refunded the missing XXXX. 

Since I have no relationship with CitiBank XXXX, without an account number and as used as an intermediary between XXXX and XXXX, I have little ability to push this case forward.