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

To Whom It May Concern, I am writing to file a formal complaint against TransUnion for their failure to respond in a timely manner to my debt validation request concerning the XXXX account number XXXX. This account is associated with a case of identity theft, for which I have previously submitted a detailed report. 

I sent a debt validation letter to TransUnion, as per my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that such inquiries be addressed within 30 days. However, more than 30 days have elapsed without any form of acknowledgment or response from TransUnion. 

This delay is not only frustrating but also deeply concerning, given the nature of the issue at hand. The account in question is involved in identity theft, a matter that requires prompt and serious attention. The lack of response from TransUnion has caused significant stress and uncertainty, exacerbating the already challenging situation of dealing with identity theft. 

I have attached a copy of the original debt validation letter sent to TransUnion, along with the identity theft report for your reference. I urge the CFPB to intervene and ensure that TransUnion adheres to its legal obligations under the FCRA, providing a prompt and appropriate response to my request. 

Thank you for your attention to this matter. I look forward to a swift resolution that upholds my rights as a consumer.

Enclosures : Copy of Debt Validation Letter sent to TransUnion Copy of Identity Theft Report
Product: Credit card or prepaid card

Hi I placed an order online doing shopping I dont shop in person because I am disable, online is much easier for me I placed an order online with a website called XXXX I paid overnight shipping ( XXXX business ) days. I never received my merchandise, So I contacted American Express serve customer service spoke with XXXX explained what had occurred with not reiving what I had paid for that I have contacted the company ( yandy ) no response I was told due to company policy I have to wait 7 days even though I had paid for over night shipping .Once the 7 days expired I called back and my issue was still not resolved I submitted the proper documentations and receipts called back today to check on everything I havent really got an answer very upset they havent provided me with a provisional credit or anything I feel like my money was taking from me in company terms and policy states I am protected but from the looks of the situation I am not very heartbreaking.
Product: Mortgage

Switched insurance carriers. Despite several requests for and promises from US Bank to send payment from my escrow account, they have not done so and now my insurance account is in default.
Product: Credit card or prepaid card

My credit card, wallet and phone were stolen back in XX/XX/XXXX. The card was fraudulent used on XX/XX/XXXX for charges which were {$1800.00} with XXXX  and {$320.00} with XXXX XXXX XXXX These charges were not made by me, authorized by me nor anyone I know. I have informed Wells Fargo and also informed them that they have no proof that I made the charge because there is none. They have added the charges back on my account illegally and telling me Im obligated to pay. I didnt make the charges and informed them in time about the card being stolen. Per fraud act Im not liable and have informed them that. They are illegally still putting the charges on my account. I need assistance getting this removed and corrected because as of now dealing with corporate bullying. We have seen the documentary and reports about the illegal practices that they have committed and still do.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Unauthorized Inquiry XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX XXXX Unauthorized Inquiry XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX  XX/XX/XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXXXXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX -Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

After realizing I had become a victim of identity fraud, I made contact with all three of the major consumer reporting agencies to inform them of this matter. In addition in included several dispute letters and also a copy of an identity theft report. Since reaching out to Transunion, they have yet to provide accurate verification and has failed to abide by the Fair Credit Reporting Act. It has been over 60 days and Transunion has not blocked or removed the fraudulent account in XXXX XXXX acct # XXXX. I have sent Transunion several pieces of documentation including a copy of my driver 's license, social security card, and utility bill with my most up to date current information supporting my claim. Transunion has failed to adhere to sections 605b, 609, and 611. It is clear my consumer rights are being violated and continue to be, in addition of my denial of credit due to inaccurate information being reported on behalf Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by CAPITAL ONE USA NA OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known. I am a client from Capital One but this multiple inquiries were not authorized on XX/XX/2019 and XX/XX/2019.
Product: Debt collection

In XX/XX/XXXX call for me to parents landline phone, told mom, needed to talk to me about debt owed on XXXX credit card, took name and number, I returned call after work.spoke to XXXX XXXX. 
4 and some dollars charged between XX/XX/XXXXXX/XX/XXXX on a credit card in my name, a XXXX  card. 
Explained was fraud, actually I thought he was a scammer because he kept asking for my Social security number. I told him to send all evidence he had and charges, where account was open so I could file identity theft and he agreed. Couple months later knew was scam because nothing ever came to address He had and where I still reside. 

1 year later, I get a letter from debt collector, to call XXXX XXXX, again XXXX, call, am told he is not available, give them information from letter and Im told that account was paid in full in XX/XX/XXXX, made no sense but ok, because I knew wasnt my account. Days later I received another letter from same debt collector saying still owed XXXX, 30 days to dispute Mailed dispute on XX/XX/XXXX- calls kept coming to my parents-from XXXX XXXX on this debt, not me on my cell.and to date calling continuously 7 days a week Sent for my 3 credit reports, XXXX XXXX reported on all 3, and I had been trying to consolidate student loan debt ; was being denied, knew I owed nothing but student loans, Middle of XXXX received another dispute letter from debt collection agency XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX, called first spoke with a XXXX, then her Manager, again told me very sorry I hadnt received my dispute packet with all the documentation I requested, didnt know where it could be, had kept a copy with address sent to, and mailed correct. 

Wrote dispute letter number 2, and included dispute 1, also reminded the manager our phone calls were all recorded and I dont know what there doing, but I am not paying someone elses account, or identity theft and fraud on me. Mailed second letter out certified mail and with tracking, date mailed XX/XX/XXXX As of middle of XXXX harassing phone call still continue, I HAVE NOT AGAIN RECEIVED ALL DOCUMENTATION REQUESTED SINCE XX/XX/XXXX, again XX/XX/XXXX, and again XX/XX/XXXX, spoke with A employee named XXXX, He said mailed out XX/XX/XXXX. I called Collection Agency again on XX/XX/XXXX, spoke again to XXXX about No information received, I let him know I need this off all my credit reports, Im doing everything I can and more, and again 3 months been waiting for all documentation requested. 

Received packet on XX/XX/XXXX, One, ( 1 ) piece of paper a note dated XX/XX/XXXX on XXXX letterhead sent? to a residence where I lived over 3 years ago. And forms to fill out for fraud/ identity theft, Yes yes yes thats it, no type of documents, as I write this back to back calls come in from there debt collectors Have all my information ready including all documentation needed, will be mailing on XX/XX/XXXX Certified to debt collection agency, and all 3 Credit Bureaus Investigate, and remove from my credit reports, Im drowning in student debt interest, and This XXXX fraud account has to be corrected and removed.
Product: Checking or savings account

I went into the bank to talk to XXXX XXXX about accounts being merged when Truist and SunTrust merged. I had an account called a rainy-day fund with a little over XXXX $ in it and it was never transferred or merged. I also had a business account that was supposed to be closed with a XXXX balance and the bank later told me that I owed money. 

I had also spoken with online customer service reps about this incident and went into a Truist bank and requested a list of accounts that were under my name, ssn or tax id and was denied. I was told that they could not do that. 

The bank also makes excessive overdraft credits and sometimes unnecessarily. I can log in and adjust the balance before the bank does and then the next day it will show up on my account that the bank has also made an adjustment and sometimes the credits don't make sense or the money that did not need moving doesn't get back to its destination. 

The main reason is because in my personal online account under my profile states that my information is shared meaning it is linked or being used in another profile. The bank has not given me any explanation for this other than a general statement they can't find anything under my profile.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 confidentially under 15 USC 1681. 



Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXXXX 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 XXXXXXXX social XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccuracies in the reporting of Account # XXXX, originally associated with XXXX XXXX, which appears on my credit report. Upon reviewing the reports from TransUnion and XXXX, I have identified several discrepancies and FCRA violations that require immediate correction. 

Specific Violations and Issues Inconsistent Reporting Across Credit Bureaus : The Date of Last Activity is reported as XXXX by TransUnion and XXXX by XXXX. These discrepancies violate the FCRA 's requirement for consistent reporting. 
The Account Status is described differently : " Collection account '' ( TransUnion ) vs. " Seriously past due date/assigned to attorney, collection agency, or credit grantor 's internal collection department '' ( XXXX ). 
Failure to Reflect Account Transfer Accurately : XXXX lists the account as " Transferred to another lender, '' but this status is not reflected in TransUnion 's reporting. This creates confusion and violates the FCRAs standard of accuracy and uniformity. 
Vague and Misleading Account Status : Both bureaus list the account status as " Indeterminate, '' which is vague and noncompliant with FCRA standards requiring clear and accurate reporting. 
Collection Account Reporting with {$0.00} Balance : The account is reported with a {$0.00} balance while simultaneously labeled as a " Collection account '' or " Seriously past due. '' These contradictory statements mislead creditors and reflect inaccuracies in reporting.

Requested Action I demand the following actions to bring this account into compliance with FCRA requirements : Correct all inconsistencies in the account details, including dates, account status, and remarks, across both credit bureaus.

Update the account to clearly reflect its final status, such as " Transferred, '' " Closed, '' or " Settled. '' Remove the " Collection account '' or " Seriously past due '' designation if the balance is {$0.00}, as this contradicts the accounts resolution. 
If these corrections are not made within 30 days, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider taking legal action for damages caused by these reporting violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 and XXXX  XXXX XXXX - XX/XX/2021. I demand the deletion of these inquiries from my TransUnion report, they are unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletions. Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/, I sent a letter of instruction as well as power of attorney to support my title and identity, to the appointed manager, chief financial officer, over my account enforcing my performance on the account. In response I was completely locked out of my account and the corporation ceased communication.This action is causing serious damage to my lifestyle. Not only is this securities fraud but it is also extortion and racketeering to hold my securities as leverage and deny me access. This is my last attempt at remedy before a federal claim is made against this company.
Product: Debt collection

Credence Resource Management r eported to the credit bureaus incorrect information about a debt I know nothing about and does no owe. I was made aware of this when I checked my credit report and noticed a submission that was made   XXXX  2017   . I called Credence to report the error and my report remained unchanged despite the fact that the information reported is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2021, I noticed that there were multiple inquiries made to loan companies displaying on my XXXX XXXX. Then I realized that a personal loan for {$630.00} was made on my behalf under TD Bank. I contacted the bank multiple times only to be told minimal information and that I would need to complete an affidavit that would be emailed to me. 10 days later, I hadn't received the affidavit ; therefore, I reached out via telephone to the company again. I filed a dispute with TD bank and XXXX. I made a police report and completed the affidavit with potential suspects whom could have stolen my identity, to which I emailed TD BANKS fraud department, that can only be reached via email. I asked for help and information and they brushed me off and told me to contact their customer service team, who can not and does not handle fraudulent accounts. I was able to find out which exercise equipment company the loan was used for and contacted them, only to discover that my estranged brother got hold of my SSN and purchased his girlfriend an exercise bike using my SSN to obtain a loan. He had the bike delivered to my mothers house, where I reside, and then had my mom drop off the bike at his girlfriends house as an " early Christmas present. '' I have repeatedly explained this to TD Bank and XXXX  and the delinquent account remains on my credit report, diminishing my credit score 200 points. What once was a XXXX credit score is currently a XXXX credit score.
Product: Credit reporting

XXXX XXXX XXXX must be removed from report. I dispute this debt. I paid XXXX for telephone and texting to other cell phones. I became ill and started text ing landlines. texts did not go thru on landlines. XXXX wireless charged me {$290.00} for texting to landlines which could not would not go thru.
Product: Credit reporting or other personal consumer reports

They are reporting different balance on my report XXXX, XXXX, and transunion. Loans are in deferment never late and the balances need to be removed from report impacting my credit report. They have over excessive report multiple loans and I did not take out 20 loans. They are not Mines