23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has violated my rights serval different times and ways. I am a victim of identity theft. I have sent in and reported serval times to Transunion and have asked for them to validate the date with proper proof of debt and they have totally disregarded. 
I have used the 605b of the FCRA to report identity theft with police reports and ftc reports and the do not honor and when they did block and remove they further violated FCRA 611 ( a ) ( 5 ) ( B ) by placing back on my credit file without giving me notice in the 5 business days allowed by the fcra the accounts are XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX
Product: Debt collection

To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, XXXX, and XXXX and have noted following discrepancies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I applied for a new CD account on-line. It was declined, and I was told there would be an email with an explanation. The email had no explanation. I called customer service, and was not given an explanation, either. I was told there was simply no way to open an account, and no way that I could find out the reason.
Product: Debt collection

XXXX XXXX XXXX ... Continuing to phone calls even after point of contact has been made. Requested to receive information in writing. I receive roughly 3-4 phone calls per day! Repeatedly asked not to be contacted, told them they were harassing me. They were rude and deceiving. They call and when you answer the line disconnects ; forcing you to return not a call to see whom it was. Asked not to be on a recorded line. They are contacting in regards to a debt that is past the statue of limitations. I am requesting for them to leave me alone. Either send the information in writing and allow me to contact them. They refused, as well as continuously hanging up on me without resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exist I've contacted these companies several times still nothing no response just continue to violate my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX was charged to my XXXX  credit card for a XXXX that was cancelled on XX/XX/XXXX. The doctor 's office that charged my card is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX Ext XXXX. I contacted XXXX XXXX, XXXX XXXX and several other people. They sent me a reimbursement form and insured a refund would be issued, which was completed on XX/XX/XXXX and still I have not received a refund not has anyone in their office returned any of my calls or emails. XXXX has had this dispute since thew beginning of XXXX and still no resolution
Product: Debt collection

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Please delete the items as soon as possible : Account Name : XXXX, XXXX When Account Was Open : XX/XX/year> Amount : XXXX Accoount XXXX Account Name : XX/XX/XXXX - When Account Was Open : XX/XX/year> Amount : XXXX Accoount NumberXXXX
Product: Mortgage

I only miss onXXXX payment since I've been with Wells Fargo home mortgage. My monthly mortgage is XXXX .I contacted the mortgage company and imformed them that I had a major problem that needed immedaite attention my son was XXXX  I had to support him. I ask if they would put the payment on the end because I would not afford to make this payment up because I am XXXX  and I'm on a fix income. 
Wells fargo offered to give it's customers a three month deferred payment about five years ago due to a hurricane disaster that affected my state. Now since I miss this one payment they are sending me harrassing phone callsa and claiming I'm XXXX in the rears. What I need to know is if I only miss one payment of XXXX how do I get to be XXXX XXXX plus more in dept. I did not ask for the deferred payment, this was offered to all N.C. residents that were affected by the hurricane. Please Help because this is affecting my credit.
Product: Credit reporting or other personal consumer reports

Please see the attached XXXX data breach claim and FTC report and remove the following unauthorized accounts and inquiries. Account : XXXX XXXX. Transunion please be aware that you are the only credit reporting agency reporting this unauthorized account. Please remove the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company has violated the FDCPA and the FCRA. I sent a letter requesting to verify the debt and it is now over thirty days since they received the certified mail request. I have asked them to remove their derogatory information from my XXXX report and they have not complied.
Product: Checking or savings account

I am very upset that XXXX is blocking my consumer report resulting in denials of credit and to open a checking account. I have a right to my open-ended credit plan and a right to my credit scores and reports. I am seeking litigation against these adverse actions with XXXX and Pen Fed retaliation and abusive practices. 

Pen Fed blames XXXX for this adverse action, but I did not consent for Pen Fed to pull my consumer credit report. Regardless of this, this is a consumer credit transaction, I have a right to my credit. I provided Pen Fed with a security/ credit card number i.e. social security number upon the open of this account. Per 15 USC 1602 ( l ) I retain all rights to my credit. The Equal Credit Opportunity Act ( ECOA ) is a federal law that protects consumers from discrimination in credit transactions based on this factor. 

See attachment.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXXXXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

XX/XX/17 I was at XXXX purchasing some food with my Key Bank debit card to my surprise it was declining I called Key Bank and they told me that they blocked my card because they got a message from MasterCard the day before that my card been compromise the problem is they didn't give me immediate notice that my funds will be blocked because of the situation they have my phone number and email and in the morning I looked at the banking app that there was no notifications of my card being closed or block. And I missed my doctor 's appointment because I had to go to a branch to get a ATM card just so I can get access to my money. They had a duty to legally tell me immediately what was going on with my account. On top of that the XXXX  employee was going to call the cops on me because I was able to pay for the food. Because of their negligence I suffered emotional distress and embarrassment.
Product: Credit card

On XX/XX/XXXX, XXXX fraudulent charges for {$160.00} appeared on my statement. I contacted American Express that day and they issued a replacement card and initiated a refund for the XXXX charges. That same day, the merchant, XXXX, also issued a refund for the fraudulent charges. 

On XX/XX/XXXX, I was notified by the merchant that my account was suspended because of the chargeback and because they had already issued me a refund. I contacted American Express that day via support chat with an agent named " XXXX '' to request they reverse the chargeback of {$160.00} and cancel my fraud case. They confirmed they would and that the merchant would be contacted and the reversal would appear on my statement no later than 5 days later. 

On XX/XX/XXXX, the reversal still had not appeared on my statement. I contacted American Express via chat to confirm my original request was processed. They refused to answer the question and asked me if I could like to initiate the request again. 

I then called their support line shortly after on XX/XX/XXXX and spoke to an agent to ask if my original request was processed. She said it had not and she had no notes of my original request. I asked her to submit the request and she informed me it would be reflected in 5 days. I informed her this was unacceptable and that this needs to be escalated to a supervisor as it would have been more than 10 days since my original request. She agreed and informed me I would receive a confirmation and the reversal would appear on my statement by the end of day XX/XX/XXXX. 

3 days later, on XX/XX/XXXX, I received a letter confirming my request was received. The reversal is still not showing on my account, and therefore, I am still locked out of my account with the merchant because of American Express ' refusal to honor my original request and then refusal to initiate my second request in a timely manner.
Product: Checking or savings account

XX/XX/2022 : Opened an account for {$400.00} promotion ( XXXX XXXX XXXX ), which consists of {$300.00} for direct deposit and {$100.00} for XXXX debit card transactions. Bonus should be paid by XX/XX/2022. Promo term is attached. 

XX/XX/2022 : Completed the direct deposit requirement. 

XX/XX/2022 : Completed XXXX debit card transactions. 

XX/XX/2022 : Received {$300.00} bonus. Did not receive the {$100.00} bonus. 

XX/XX/2022 : Contacted Citizen via text message and was confirmed by XXXX  that the account does qualify for the additional {$100.00} and appears to be credited by XX/XX/2022. 

XX/XX/2022 : Havent received the {$100.00}. Contacted Citizen via text message, was advised by XXXX to call XXXX. Called the number, waited for about half an hour to speak with an agent, and was put on hold for almost another hour since the department that should be assisting can not be reached. Was advised to go to branch to contact this department instead. After XXXX hour waiting, the agent advised that her call was disconnected from that department and she can not assist any further.
Product: Money transfer, virtual currency, or money service

A number of time have sent money to wrong number to pay rent and large amount and could not get it back with zelle! The amount of XXXX XXXX I tried to request money back the Zelle did nothing to get the money back!
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXXXXXX - XXXX Listed below are the Inquiries that are being challenged 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 XXXXXXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Debt collection

Contacted one specific relative to collect a debt twice. When that was unsuccessful they called another relative and left a voicemail. The company already has my phone number and address.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; KXXXX XXXX XXXX  XXXX Balance Owed : {$10.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; CXXXX XXXX  XXXX XXXX Balance XXXX XXXX {$6600.00} ; XXXX XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXX XXXX Balance Owed : {$340.00} ; XXXX XXXX  XXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2020, I wrote a letter to Ability Recovery Services asking them to validate the debt they say that I owe. I sent a certified letter to them and it was received and left with an individual on XX/XX/2020 per the USPS tracking. They responded and sent back verification which is not what I requested. Per the FCRA, I have a right to request VALIDATION, which is documents that bear my signature binding me to the debt they say I owe. They never sent anything bearing my signature. Per FCRA, they must do this within 30 days or the item must be completely removed from all reporting bureaus. 

Please see my attached letter asking them to VALIDATE not VERIFY. Again, validation bearing my signature was never received. I have a right to have this negative item deleted from all my reports and I am requesting that this be removed ASAP as the law allows 30 days for removal. 

In addition, if you are a collection agency, you have to be licensed in the state where the debt incurred to even be able to collect funds from someone. Per XXXX, Ability Recovery Services , LLC is not licensed in the state of IL to collect on debts. 

These are two ( 2 ) reasons that I am asking this debt ( and anything associated with this company ) to be completely removed from all credit reporting agencies asap. 

Failure to do so will result in me exercising my legal right to pursue action against them.
Product: Debt collection

Phoenix Management XXXX ... Debt Collector contacted me about XXXX separate online Music supply stores. XXXX was XXXX XXXX. {$230.00} EA. AND THE XXXX ONE WAS XXXX XXXX # XXXX for {$500.00}. I told the guy on the phone, I would much rather pay the exact places back because I had a Music credit card with them and I did n't want to permanently lose my credit. He said, '' Well, if you start a payment plan with us, It will keep your National credit clean and these XXXX accounts will fall off your credit. Everything 's going as planned. The XXXX XXXX get paid off and drop right off my credit. Then XXXX XXXX # XXXX for {$500.00}, After an additional 6 weeks than normal and 15 fax 's, The balance is XXXX but the {$500.00} credit that has been as hard as building a PYRAMID! IS STILL THERE? i PAID XXXX % TO HAVE IT CLEANED UP AND INSTEAD GOT XXXX % CLEANED UP. THEY CAN EITHER " CLEAN UP '' THE OTHER {$500.00} AND MARK IT UNPAID AND SEND IT BACK TO WHERE THEY GOT IT. ME! sINCE THEIR XXXX % BUYING % PRICE= {$150.00} A ) OR B )
Product: Credit reporting or other personal consumer reports

It has come to my attention. My personal information has been exposed in the XXXX XXXX XXXXXXXX reviewing my credit reports I have noticed some accounts I am unfamiliar with. I have asked the CRA 's for validation of debt however, the information has not been provided to me due to my information being exposed. I have submitted a FTC complaint reporting the information I am not familiar with
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021 Equifax
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still 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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX must be removed IMMEDIATELY IT IS PAST THE STATUE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX Is reporting that my account is open and has a balance of {$24000.00}. This was discharged on XXXX XXXX, 2015 on my Chapter # XXXX Bankruptcy. It should be changed to account closed with XXXX Balance.