23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had a situation where I signed up with a company that do not exist. No address, phone is disconnected, offices that he rented out the landlord stated they have been looking for him for the past 9 months, I even Got police in the different countys to locate the gentleman thats how I discovered the scam. I spent a total of {$850.00} on to separate debit cards. When I called the company a it just disappeared in thin air. So I contacted navy federal and XXXX to dispute the charge. I sent both banks the same information such as the text messages, even the scam report with the companies name and the gentleman that signed the agreement mug shot stating that he creates companies to scam them out their money. XXXX was wonderful with giving me back my money. And assisting me with the fraudulent activity. However navy federal didnt even send in the dispute they denied me.
Product: Credit reporting

I have contacted both the creditor and the credit bureau TransUnion about an account that was opened through identity theft but neither will help me clear this matter up.The TransUnion dispute results came back as " meets FCRA requirements '' Which I do n't understand because I did n't open this account. I had my identity stolen. The other fraudulent accounts opened we 're removed. 

The account was sold to : XXXXXXXX XXXX, MIXXXX ( XXXX ) XXXXOriginal creditor is : XXXX balance XXXX and account opened XXXX XXXX, 2011.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted unsuccessfully with XXXX and XXXX on a number of items that they claim to be valid/verified. Yet, they both have yet to present requested verifications by or through original purchase agreements with credit collection companies, to provide valid contractual agreements with said collection companies, to provide proof of signature, who original creditor is/was. Related information such as first payment made, last payment made, when did consumer transactions begin, what legal grounds do collection companies have to report negative items with no prior consumer notification. 

XXXX and XXXX are both liable for reporting such matters on consumers reports due to lack of professional responsibility or accountability damaging and causing due harm financially, professionally and reputation to consumers. 

XXXX. Both reporting agencies have myself XXXX XXXX XXXX listed with XXXX other names stating after XXXX disputes online, telephone and as well as certified mail stating it is impossible for there to be XXXX of me. 
Names they both claim to be valid and or verified : XXXX XXXX XXXX. with an XXXX '' at the end of XXXX. 
XXXX XXXX XXXX as well with an XXXX ' at the end of XXXX. 
As you can see this is ridiculous and as well as insulting to me both Race and Ethnicity with XXXX customer service rep from XXXX stating well isn't the same? 
That is flat out discrimination. 
XXXX. Both agencies will not remove addresses that I have requested removed as they are incorrect, invalid, unknown, etc. and to add to that as an example. They have me listed as living or lived in Tennessee of which I never have yet they insist its valid or verified. 
XXXX. Phone numbers assigned to me which never have been or are inaccurate. Yet they still insist on claiming and denying my repeated disputes XXXX times. 
XXXX. Reporting information as accurate, verified and validated through other XXXX party agencies and insisting I am making disputes on information, items though no undisputable presentments are made. 
Example : reporting collections from XXXX and XXXX and XXXX and XXXX though no definitive criteria can be presented as definitively linked to me. 
Reporting XXXX dismissed bankruptcy XXXX XXXX month apart as mine though no information is reported from the Federal Bankruptcy Court is publicly reported and especially reported with " Full '' soc. sec. #. 
Items discussed have been disputed under15 U.S. Code 1681a- ( 2 ) ( I ), 15 U.S. Code 1681b- ( a ) ( 2 ), 15 U.S. Code 1681c ( a ) ( 5 ) All of which have been blatantly disregarded, ignored, with no regard to ones rights under the Accuracy and Fairness of Credit Reporting .

I Thank You for your time and effort in helping to correct and make right of this matter. 

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

I originally disputed the incorrect information on XX/XX/XXXX and referenced the fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ). Item not removed. Submitted Identity theft letter to XXXX/Transunion/XXXX  on XX/XX/XXXX which also included Federal Trade Commission complaint # XXXX. Sent another dispute to XXXX/Transunion/XXXX  on XX/XX/XXXX which also references the Federal Trade complaint on XXXX  XXXX/XXXX  XXXX  Accounts. I sent XXXX/Transunion/XXXX  a letter on XX/XX/XXXX requesting validation of the Method of Verification with no response other than the information is accurate. On XX/XX/XXXX I mailed another Victim of Identity theft letter with the Federal Trade Commission again and a copy of a police report # XXXX and XXXX/Transunion/XXXX  still refuses to remove the incorrect information. I have also tried to contact the company XXXX  XXXX XXXX XXXX XXXX and on the same days as XXXX/Transunion/XXXX, but no response since XX/XX/XXXX. I emailed the company and they refused to communicate with me because they state the email address they have on file for me is not the one I was emailing from. XXXX  is the most difficult to deal with. When I called yesterday XX/XX/XXXX I waited 45 minutes on hold just to be transferred to 3 different representatives. The call then disconnected once I started discussing the accounts. The Rep never called me back and sent an email within an hour saying they can see the dispute was entered in error or I knowingly took out the account.
Product: Credit reporting

RE : XXXX ( Attached ) So far ChexSystems is really digging themselves deeper1. Multiple counts of violations of FCRA, including but not limited to section 623. 
2. Willful noncompliance. 
3. Multiple violations of the Fair And Accurate Reporting Act. 
4.Defamation Of CharacterNo letters have been received in the mail from ChexSystems and if they were sent, please provide USPS certified tracking numbers. All of my letters to them all have been sent via USPS Certified Mail. 

Chex Systems claim they " verified '' the account, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification. Unless you have something bearing my signature on it and have verified my identity, no proof exists. 

I am not going to the police to claim identity fraud until I 've investigated these items myself. I am not claiming identity theft, I am simply asking for proof that I am lawfully entitled to. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Please let me know and I will send you an opinion letter from the FTC, ( the XXXX ) letter, specifically addressing the kind of " documentation '' you have sent me. 

The fact that ChexSystems XXXX are resisting proving PROPER proof according to FTC standards is raising other issues, including, but not limited to FCRA 623. 

My request remains..proove it or delete it. 

I am forwarding a copy of this to the following : cc : Office of the Comptroller of the Currency ( OCC ) OCC XXXX XXXX XXXX, XXXX, XXXX. XXXX : XXXX XXXX XXXX XXXX., my attorney XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

I have requested that USAA work with me in order to consolidate two credit cards which they unilaterally closed back in 2013 ( @ ). USAA is charging double digit interest and has refused to consider any form of consolidation to allow me a lower rate, a lower monthly payment and/or any other consideration. 

Due to extended medical issues and USAA 's unwillingness to work with me PRIOR to getting behind, I now find myself 2x Months behind and unable to catch up. 

I personally spoke with USAA representatives who said, " Unfortunately XXXX XXXX, USAA is not interested in lowering your interest rate and we can not consolidate your cards. USAA would not consider rolling the credit card debt into a personal loan that would allow me to quickly address and retire the cards. 

NOW, due specifically to these two cards and USAA 's unwillingness to consolidate, lower interest rates or provide alternate avenue of repayment my FICO score has dropped from well over 700 to XXXX and I can not qualify for any form of reasonalbe consolidation.
Product: Credit card

I received a letter from AMEX regarding my XXXX AMEX card. It informed me that my interest rate had been increased to 27.24 % due to a penalty. Upon calling them I was told my last months payment was received on XXXX/XXXX/15, 3 days late. I got a copy of my cancelled check showing, on the back, that it was deposited into the AMEX bank account on XXXX/XXXX/15. I had to spend several minutes on the phone trying to convince them that they were in error. 
They finally said they would return the rate back down and remove the late fee of {$38.00}. I could not however, get verification of this nor was there an avenue for me to send a copy of the cancelled check. 
Im complaining on this forum because of their lack of proper accounting and, in my opinion, attempting to make money by lying to people regarding the timeliness of their credit card payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy .... 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 emotional, physical & financially ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$36000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$5000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

Upon starting my new lease I enrolled in autopay to handle the monthly payments. Everything appeared to be set up correctly and the XXXX XXXX site reflected that my account was set up on autopay. When the first payment came due, I received a confirmation email stating that a payment had been made to my account through XXXX XXXX recurring autopay. Upon reviewing the online transaction history through XXXX XXXX, it also appeared as though the payment had been made. Because I previously had problems with misleading items on XXXX XXXX 's payment portal, I logged in to ensure things were ok leading up to my second payment. The page showed that my lease was overdue, but still appeared to show my previous payment being made. When I clicked the button to send a payment, I was prompted to ask if I was sure that I wanted to send a payment as my account was set up on autopay. At this point I contacted XXXX XXXXl via chat where I was informed that my autopayment wasn't working even though it appeared as though the payment was sent the previous month on the transaction history page. I received zero communication that there was an issue with autopay at the time of set up, when the first payment failed, or when I logged into my XXXX XXXX account page. Even when attempting to make a payment, I was dissuaded from doing so since my account was set up for autopay. It seems as though XXXX XXXX is blatantly deceiving consumers in an effort to collect extra fees and late payment charges. At a minimum they should be required to notify consumers that autopay has failed via multiple methods ( email, a prompt on the website when you log in ).
Product: Debt collection

This company is falsely trying to collect on an account that they do not own I was told by the rep that they do not own the account so there for there are falsely reporting acting as if theyre a lawyer I have the recording as my proof of them stating that they do not own the debt that agains the law they have know rights to collect on this debt at all they have no contract with the other company National credit systems needs to stop falsely reporting to my consumer reports
Product: Bank account or service

I was locked out of my checking and savings accounts with Navy Federal for failure to pay enough on my credit card bill. I was unable to access any of my money while XXXX and unable to work and fell behind without access to my accounts. I was told I could not access it until enough had been paid on my credit card and no access in two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion will not let me have access to my credit report. I tried to obtain through the free annual credit report. They blocked me. I tried to get access through there website. I created a profile I will have access for one day and then try and log in the next day and they blocked me access. I have called them every other day for the last month and they will unlock my account only to lock it back the very next day. I am very frustrated with them. Its like they are keeping me from accessing my report and something needs to be done about this.
Product: Checking or savings account

On XX/XX/2023, I went with a friend to the XXXX XXXX XXXX in downtown XXXX XXXX. I had XXXX drinks. After an XXXX the bouncer asked us to leave. He said it was because we were only purchasing drinks and not food. We were at the bar. We chose to go quietly. Halfway to the exit I remembered a picture frame I had bought. I asked the bouncer if I could go back and get it. He said no. I asked if he could escort me back to the bar just to grab it. Again he said no. He seemed to be in a big hurry to get us out the door. It was almost as if he was worried something would happen to us inside the restaurant in the next few minutes. My friends and I started walking towards the XXXXXXXX XXXX XXXX nearby. Along the way I lost awareness of my surroundings. I remember not being able to take care of myself. The same thing happened to my friends. We were XXXX. Somehow we became separated. XXXX individuals approached me and asked if I needed help. I said yes. Please call my brother. I remember unlocking my phone so they could make the call. The following day I woke up in a XXXX XXXX in XXXX XXXX with none of my belongings. Some time after XXXX XXXX  on XXXX my purse, phone, car keys and debit and credit cards were all stolen. ( My items stolen were never found ) I filed a police report, identify theft report and gather documentation of my stay at XXXXXXXX XXXX XXXX XXXX XXXX and submitted evidence of everything the thieves had stolen using my credit and debit cards. XXXX XXXX and XXXX XXXX  XXXX credited me back for all the fraudulent charges that went through them. Only Wells Fargo refused. Once the thieves had access to the lock screen of my phone they were able to get into my online bank account and make XXXX transactions. Both occurred on XX/XX/2023. Both were funds transfers from Wells Fargo. One was through XXXX XXXX for XXXX. The other was through XXXX for XXXX. At no point did I authorize either of these transactions. I have proof that during the time of the transactions I did not have my phone as it was stolen and was at the XXXXXXXX XXXX with no belongings. I have been in regular contact with Wells Fargo since then. I submitted all the evidence, police reports and receipts to prove it was not me who made the XXXX transactions. Wells Fargo denied my claims. The reasons they gave were insufficient evidence and their assertion that they made no mistake. If insufficient evidence is the problem, I would appreciate Wells Fargo letting me know what additional evidence they need. If made no mistake is the standard for deciding accountability, then, clearly I was not at fault. I made no mistake. There are things Wells Fargo could do to avert situations like this. I had no idea thieves were using roofies to defraud banks. Wells Fargo, because of their size and sophistication, should be aware of the problem. They have some responsibility to protect their customers from problems like this. They could, for example, send out a warning to their depositors. Or they could require voice verification for transfers of {$1000.00} and above.
Product: Debt collection

On XX/XX/XXXXXXXX XXXX XXXX I contacted XXXX XXXX about their promotion which promised me a gift card in the amount of {$1200.00} if I switched our cell phone service to them. I followed through with XXXX and made the change but I never received the {$1200.00} gift card. Repeated communications with XXXX failed to resolve the matter and now, on XX/XX/XXXX, XXXX is using a collection agency in an attempt to collect my " overdue '' {$690.00}. The collection agency is TSI. Their contact information is : Transworld Systems Inc. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX PA XXXX XXXX I have just completed a phone call with TSI, explaining the situation. I was told there was nothing that they can do. 
I have seen on the internet that XXXX has been using these tactics on a wide scale, and even my close friend has gone through a similar situation with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 letters to Experian asking them to validate a bankruptcy with the associated accounts on my credit report. I have asked them to provide written contracts and any proof these are mine. To this date, I have not received anything from them and no explanation on how they " validated '' these are mine. I sent a letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020. Next I will be filing a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau 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 account that is reporting on my Credit Reports : XXXX XXXX-XXXX {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 thats that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.

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

During the middle of XX/XX/XXXX through presently XX/XX/XXXX I have consistently been in contact with Transunion Consumer Reporting Agency regarding Fraudulent Accounts that were established without my knowledge or consent that are currently listed on my credit report. I have sent several disputes ( tracking # XXXX ) being one of  many that was received on XX/XX/XXXX at XXXX XXXX. Despite my continuous efforts, Transunion has not provided 100 % accurate verification as per the Fair Credit Reporting Act and has failed to block the Fraudulent disputed accounts within 4 business days per section 605b of the Fair Credit Reporting Act. The accounts in question that remain are 1. XXXX XXXX and XXXX XXXX XXXX. Transunion has failed to provide any original documentation or correspondence obligated me to these accounts but yet continue to report these items on my credit report. This is a clear violation of my consumer rights under the Fair Credit Reporting Act. It has been almost 1 year since my initial dispute and Transunion continues to fail to comply.