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

The account was charged off on the following date : XX/XX/year> Since then the date of last activity has been inconsistently updated to all 3 credit reporting agencies XXXX, TransUnion, and XXXX If the dates are coming from the ORIGINAL CREDITOR the dates should be the same. We can not say these accounts are 100 % accurate, therefore all the accounts are deemed inaccurate. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. 
In accordance with FCRA 15 U.S.C. 1681 Please delete this account from my credit report immediately. 
Accounts Name : XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PERSONAL INFORMATION UPDATE LETTER XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX, NY XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX. Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address
Product: Credit card or prepaid card

I tried several times to contact the company to get assistance with paying my credit card bill and lowering and/or removing fees during my time of a financial hardship due to loss of income, but have not been able to speak to anyone at the company for any help. I would like to keep the account open and return to good status with the company.
Product: Bank account or service

I had a party added to my account without my authorization. The party was added and logged under the banks system in XX/XX/2003 but this was not physically possible. The bank claims that I signed a blank form and that provides authorization. This 3rd party has a bank levy that 's impacting my accounts as well for a debt that I do n't owe. The bank refuses to remove the 3rd party without his signature but added his name without my authorization
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for an unexplained and drastic drop of XXXX points in my credit score on XX/XX/XXXX. This significant decrease occurred suddenly, despite no changes to my credit file such as missed payments, new accounts, or increased debt. I have reviewed my credit report, and there are no legitimate factors that would justify such a large drop, resultant with a zero ( XXXX ) XXXX XXXX. 

In addition, there has been a XXXX point drop followed by a XXXX point increase ; which fluctuated back-and-forth from XX/XX/XXXX through XX/XX/XXXX. There are no legitimate factors that justifies such a large consecutive months ' score drop. 

XX/XX/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 Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), TransUnion is required to follow reasonable procedures to ensure the maximum possible accuracy of the information it reports. I request that the CFPB investigate this issue and require TransUnion to provide an explanation for the score drop and correct any inaccuracies in my credit file. 



Thank you for your attention to this matter.
Product: Credit card

After recent cancellation of membership, I received multiple calls with attempts to collect a debt for a credit card in which I have submitted payments for previously with outstanding payment history. Though I submitted my payment via check XXXX did not acknowledge the payment so I resubmitted my payment via money order in which was deposited on XX/XX/2016. Through the many attempts to submit payment XXXX continues to raise the statement balance with outstanding interest fee and fails to update the payment balance. When I made my payment of {$350.00} my balance was XXXX, as of today the balance is XXXX and continues to increase with interest fees and no reflection of the payment of {$350.00} made in XX/XX/XXXX. I have contacted the Risk Committee, XXXX, XXXX, and may other individuals/departments within the bank dated back to XX/XX/2016. I have sent many letters to have this item removed from my credit report do to inaccurate information and lack of processing, but nothing remains to be done. I have contacted a lawyer to resolve this issue but the bank continues to draw a blind eye. Overall in conclusion, I have paid this credit card a total of XXXX times, once with a check and another with a money order. I have contacted the bank on numerous occasions but continue to have the phone disconnected and the issue not resolved. With my payment of {$350.00} towards a balance of {$360.00}, no payments have been reflected and interest continues to raise bigotedly and this installation continues to remain a huge burden hindering my valuable credit history. I have contacted a lawyer and the XXXX credit with attempts to resolve this issue but remain unsuccessful in this matter do to XXXX failing to reflect payment/paid off balance. Thank you for your help in this matter and I am greatly appreciative of removing XXXX defaults from my credit history and back rolling unnecessary inaccurate charges as a reflection of mishandling process on the banks behalf.
Product: Credit reporting or other personal consumer reports

Transunion LLC and XXXX XXXX XXXX has reported a fraudulent account on my credit report. I am attaching an FTC report that supports my claim, that I am a victim of identity theft. Transunion is also reporting a fraudulent name ( XXXX XXXX XXXX ) that has been corrected by the Texas Department of Public Safety. I am also attaching supporting documentation that proves my identity.
Product: Student loan

In accordance with the Fair Credit Reporting Act Navient Account # 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 an account without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account Is a fraud listed below. I demand it is removed from the credit report Immediately. XXXX XXXX Account # XXXXThe identity report is attached to this complaint.
Product: Checking or savings account

There was a deposit made from PPP in to my Capital One 360 checking account ending in XXXX near the end of XXXX, but my funds were frozen. Additional documentation was requested and provided XXXX. via email. I called a few weeks later to check on the status and I was told the documentation was received and to check the status in a couple of weeks. I called back a couple of weeks later and was told the documentation which was my 2019 tax return was never received and to resend it on XXXX and check the status XXXX, as the process should be completed. I still have not received an answer on where they are in the process and my business is suffering because of it. They claim that the investigation could be indefinite, but that does not settle well with me as I could possibly be being discriminated against. I have been a customer for years with Capital One, provided my tax information and previously received funds close to the same amount in the same account prior. I spoke with XXXX # XXXX and he told me that it was not even assigned to an investigator yet, so he was going to escalate my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX disputes to Equifax in the past XXXX days, and they keep sending me stall letters. They have yet to provide me with results, but they do stall and keep asking me for information I have clearly submitted to them several times, and still won't provide results.
Product: Credit card or prepaid card

The accounts below are reporting on my personal credit file with TRANSUNION. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report XXXX XXXX XXXX XXXX XXXX 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

Back in XXXX I wasnt able to work leaving me in debt with all of my creditors, one being XXXX XXXX XXXX. During that time I was honest with all my creditors, I let them know I wasnt able to pay my debt because I was out of work. Even after I express that to XXXX they would call me every day threating to sue me. Fast foward to XXXX XXXX, here I am contacting all my creditors to pay my debts ; XXXX sold my debt to a collection agency who then sold it to stern adn stern pc. I contacted Stern and stern pc to pay my debt I reached the woman who was calling and threaten me before. I asked her for information on my debt this woman told me I owe XXXX $ I advised her that my debt with XXXX was only XXXX . She insisted that my debt was XXXX $ and she can go as low as XXXX. I then asked for information on the debt and why it was that much she refused to stend me information. I know my rights as a consumer so I reached out to XXXX and advised them the issue. XXXX is still report to my credit report through they sold the debt and this collections agencies isn't sending my information of the debt that I was trying to resolve. After speaking to the collection agency 5 businessday came and went and I never received infomation on my debt 1st violation. Now here we are XXXX XXXX I get a letter of garnishment dated after my disputed and investagation againist them giving me 20 days before they garnish my wages. That is violation # 2 this creditor filed to garnish my wages on an incorrect amount with no proof given to me or notices with the attemps to collect or even any information about the debt amount. Violation # 3 I filed a dispute this creditor is not allow to proceed with debt collecting activity while a dispute and investigation is taking place
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative. 
XXXX XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative. 
XXXX XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.
Product: Checking or savings account

On XXXX XXXX a transaction was made from my XXXX XXXX account to my regions account ending in XXXX of {$200.00} XXXX  and {$170.00} on XXXX XXXX these transactions have been deleted from regions system giving the illusion that the transaction never happened regions closed my account and put fraudulent overdrafts on this closed account in the amount of {$350.00} and took {$250.00} XXXX  that was accidentally deposited to this closed account and applied it to the fraudulent overdrafts fees due to the transaction being deleted customer service is not able to help me cause they cant see the transaction
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it XXXX 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 Personal Information that are being challenged Incorrect CurrentAddress : - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Employer - XXXX XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX - XXXX Listed XXXX are the Collections that are being challenged XXXXXXXX XXXX - XXXX XXXX below are the Inquiries that are being challenged XXXX - XXXXXXXX XXXX  - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX 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 TOTHISMATTER!!
Product: Checking or savings account

I reached out to my bank on XXXX XXXX regarding XXXX authorized transaction and XXXX declined transactions from a company that I have never heard of. I filed a dispute of {$64.00} on XXXX XXXX. Through the investigation my bank received information from the merchant. The information that was provided in this dispute process to validate the transaction is all incorrect. Wrong billing address, wrong ip address, wrong email. The only thing that is correct is my first and last name. My bank refused to actually review this information that was provided or any documentation i have provided to dispute this " evidence '' of a valid transaction. They advised me I can only appeal if I obtain a police report. I then obtain a police report and I am now being told they can not appeal even with the police report.
Product: Debt collection

Stern Recovery services placed a collection on my credit reports for XXXX XXXXXXXX XXXX XXXX XXXX. I e received no correspondence from the collection agency which is required by the FCRA. They performed an illegal act and placed this collection without verification. They have violated contract law and are committing extortion.
Product: Credit card

From XXXX day to the next, capital one closed both of my credit card accounts with them. A XXXX account and a XXXX account. 
I contacted customer service and was transferred all the way up the line until top tier service and none were able to give me a reason for the account closure. They continued to reciev my payments even as they claimed that my account was closed and that the cards were inactivated. 
I believe it is my political positions that prompted this. 
A few weeks earlier my credit limit was raised without request as I was obviously in good standing.
Product: Debt collection

I received a letter in XX/XX/XXXX from XXXX XXXX XXXX regarding a debt for Discover. The letter indicated I could set up arrangements online so I did for the amount I could afford. The online system only allowed 6 months of arrangements. Due to a death in the family on XX/XX/XXXX, I did not extend the arrangements passed XX/XX/XXXX because I had too much in my mind. When I realized this in XXXX, I called and spoke to a representative of XXXX who advised legal action had been filed because my payments had not been enough even though I never received anything from XXXX advising this. The agent offered arrangements and a settlement that I could not afford. I studied all my finances and determined I could not afford what they were asking but I did set up a new arrangement on line that allowed again 6 months of payments. There was not a month of lapse in the 2 arrangements, however, they are still pursuing legal action against me. They have never advised the minimum they need to avoid suing. I am attempting to pay the debt and they are happily taking the funds from my account. How can they allow arrangements to be made online for whatever amount you enter but still sue? Also, they have blocked me from accessing my account online to change the payment or extend it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  - Loan # XXXX Pay off amount - XXXX $ In accordance with the Fair Credit Reporting act XXXX  Account # 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.
Product: Credit reporting or other personal consumer reports

Incorrect Home address listed ob account tried to file dispute online to have remove
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 requested that Experian and XXXX to investigate my accounts, it has been over 30 days. 

According to 15 USC 1681I they have 30 days to investigate and send me results. 

XXXX XXXX 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

XX/XX/XXXX : I obtained my updated credit reports from XXXX, XXXX & XXXX & noted 5 different account in collections filed with Financial Data Systems for medical debt. 
XX/XX/XXXX : Certified letter delivered to Financial Date Systems ( attached with this complaint ) with receipt confirmation. In the letter ( s ) included I requested competent validation as evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay Financial Data Systems & that the account be removed from my credit report as the company 's reporting is in direct violation of Metro 2 Compliance by reporting different information among the bureaus ( specifically field 17a ). 

In addition, I also included a separate letter informing the company that under the Fair Debt Collections Practices Act, I have the right to request validation of the debt the they say I owe. I requested for any agreement with Financial Data Systems & their client that grants them authority to collect on this alleged debt, or proof of acquisition or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

And to attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization.

XX/XX/XXXX : Financial Data Systems send me a letter/documentation ( attached with complaint ). The only information they provided was the alleged dates of medical service, original creditor/client & itemized account balances- which do not even reflect what was reported to the bureaus. 

However, HIPPA was violated in that the collection agency ( Financial Data Systems ) had an invoice from XXXX XXXX XXXX ( medical provider ) listing the charge description as " emergency dept visit ''. The invoice lists three accounts/charges for : {$730.00}, {$650.00}, $ XXXX- all which have a bill from Financial Data Systems & is reported on my credit report. However, in addition to Financial Data Systems having those three bills they also included & reported accounts for {$410.00} and {$180.00} that is on my credit report for services from XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX- which these services were not even listed on the original creditors invoice and no additional documents were provided to validate those accounts. 

The account for {$150.00} claims the original creditor/client is XXXX XXXX XXXX, yet no additional documents were provided to validate account. 

Financial Data Systems also included a random invoice for a missed appointment with no office/client/original creditor listed, addressed to a house I haven't lived at since XX/XX/XXXX, but the date of service is reported as XX/XX/XXXX and has a balance of {$25.00}. Nothing is validated Not one of the documents included provided competent evidence bearing my signature as proof the accounts belong to me, as I requested.