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

EXPERIAN NOT TAKING MY CASE SERIOUSLY, ASKING FOR THE SAME INFORMATION PREVIOUSLY PROVIDED ATTACHED AGAIN : TWO LETTERS ID PROOF UTILITY BILL ID THEFT REPORT FTC FRAUD REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling this complaint because TRANSUNION, LLC has ignored my request to provide me the documents that their company has on file and was used to verify the account I am disputing. I have contact their offices on the following dates listed below : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account information. I demand to see Verifiable Proof ( an original Consumer Contract and/or orgianl court docuemtns with my Signature on it ) you have on file. Your failure to positively verify this public record material has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

As a side note, this Chapter XXXX Bankruptcy was completed and paid back in XX/XX/XXXX the year is currently XX/XX/XXXX- that is 8 years on my credit report. That is also Thousands ( {$1000.00} ) and Thousands of dollars more I have paid for items I buy, loans I have missed out on, housing I have been declined for etc. I feel that having it on my credit report for 8 years is punishment enough. There is no law that states these types of things " by law '' have to stay on ones credit report for XXXX or longer years. 

I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. 

I want TRANSUNION, LLC and/or TransUnion, LLC to stop reporting immediately this account on any and all of my credit reports issued to anybody whom inquires on my behalf. 

Please resolve this matter as soon as possible and thanks in advance for your time and consideration.
Product: Money transfer, virtual currency, or money service

I opened a checking account with Chase on XX/XX/2021, and initiated a transfer of {$1000.00} from my primary bank ( XXXX XXXX ) to the newly opened Chase Checking account in order to properly fund the account. By the next day, I was locked out of my account ; I could not sign into my Chase checking account/my Chase Amazon Prime credit card. I have owned an Amazon Chase credit card for two years with Chase and have been paying it off with the same People 's account that I used to fund the Chase checking account. The XXXX XXXX account was already verified through Chase for years and that status was active. However, the transaction was cancelled and I was locked out of my account. 30 minutes late of phone calls and all I was told was do not use XXXX XXXX ever again to fund your checking account because " we could not get a hold of them over the phone to verify your fund. '' That is insane! I use that account to pay off my CHASE credit card ; it is already verified! This should NOT have happened. Absolute waste of my time to sort out this unnecessary mess.
Product: Credit reporting or other personal consumer reports

Company/Date- XXXX  XXXX XX/XX/XXXX Company/Date- One Main Financial XX/XX/XXXX Company/Date- XXXX XXXX XXXX XXXX XX/XX/XXXX Company/Date- XXXX XXXX XXXXXX/XX/XXXX The fraudlent accounts listed above is not mine
Product: Consumer Loan

Armed forces loans continues to report the loan as late even though the under the terms of the loan the final payment due date was in XXXX. Instead they are reporting a missed payment for XXXX XXXX, XXXX XXXX, etc including all month untill now it currently states that I recently missed XXXX and XXXX XXXX payments. I 'm an attempt to resolve the issue they refused to put offers in writing so they could attemp to collect more.
Product: Vehicle loan or lease

The interest rate is causing the loan amount, or the balance not going down, we had this car for 12 months payments on time, and we still owed XXXX which is outrageous, also that they dont do refinancing, and the car isnt worth that much to where we trade it in, were going to owed negative equity. This bank just nothing but interest, to where I thought their better than this, and we were thinking about paying 6 months ahead, but we called and they said those payments would go to straight to interest, and still make payments every month, which is just greedy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX this was account that was removed due to being fraudulent and proving to be fraudulent but a different company has placed it back into my credit report
Product: Credit card

I made a reservation at a XXXX weeks prior to use. The booking agent would not accept the code for the wedding party discount. I asked to cancel the reservation. He said no unless the motel manger agrees. I asked manager she said OK if the agent agrees. Neither one would cancel and told me there were no cancellations or refunds. 
I appealed to my credit card carrier Chase Card Services and was told I would have to pay even thought they had not seen my circumstances in the form they sent me. 
I was told by Chase Card Services that I would have to pay even though services were not rendered.
Product: Money transfer, virtual currency, or money service

PayPal automatically updated my expired card information to it's new expiration date without my permission. This would could potentially expose me to fraud for anyone gaining access to my account. I wanted it to be defunct. 

I'm not sure how this is legal or allowed.
Product: Credit card

in response to numerous requests from CapitalOne we upgraded to the Venture X card. Since it was an upgrade, they said we were not eligible for rewards since it was an upgrade and not an application. CapitalOne stated we can not revert back to our old card, they will charge me the {$390.00} fee. They claim in a recorded call, my wife acknowledged the terms. When I asked for the recorded call, they will not release recorded call.
Product: Credit reporting or other personal consumer reports

I've noticed significant inaccuracies in my credit report, with accounts appearing that do not belong to me. It seems like there's been a mix-up with someone else 's information. I'm concerned about the impact this could have on my financial profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and notice inquiries and addresses I do not recognize or authorized. I am afraid my information may have fallen into the wrong hands. The unauthorized inquiries are as follows XXXX XXXX inquiry dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. The inaccurate addresses are as follows XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX and XXXX XXXX XXXX, XXXX, Ohio XXXX
Product: Mortgage

On XX/XX/XXXX I submitted a bill payment which was mailed by my bank for my monthly mortgage payment of {$1800.00} to LoanCare , LLC. I called LoanCare on XX/XX/XXXX to determine why the payment was not applied to the account to avoid the late penalty that triggered on XX/XX/XXXX. 

They claimed that they had not received the payment. I then logged in to my account approx. eight days ( XX/XX/XXXX ) later to see the payment history to see if the payment was recorded. It was not. I then logged in to my account on XX/XX/XXXX, and the payment has magically appeared with an applied date of XX/XX/XXXX. 

So LoanCare is lying about when mailed payments are arriving and conveniently applying them to the account after the due date causing late fees. It does not take 15 days for mail to go from XXXX, OH to XXXX, PA. The states are adjacent and mail takes at most three days. 

This behavior is unacceptable and fraudulent.
Product: Credit card

I signed a contract on XX/XX/XXXX with XXXX XXXX ( XXXX XXXX XXXX ) who represented himself as a businessman capable of building an XXXX storefront with the purpose of generating passive income via buying and reselling. He had been recommended to me by an individual ( XXXX XXXX XXXX ) who charged me a sum of money to open several credit card accounts with the purpose of funding the construction and purchase of goods. They charged me a sum total of {$35000.00} and stated the store would pay for itself in less than 12 months with monthly deposits of a XX/XX/XXXX profit split. After the above, I was instructed to communicate solely via a XXXX XXXX business communication system and no longer phone or text. After several communications over a month to six weeks, their was almost no communication from them, I started to ask for updates, with no response. At approximately 3 months in I was getting extremely XXXX and asked for information, at which point I was told they were working on it and no need for me to contact them. After a few back and forth communications over the next two months, I realized that I was not getting through to them and had nothing yet to show for my time or money. At this time I resumed calling, texting, and left some pointed messages with XXXX. He finally returned my call in XXXX at which time I stated that I saw no evidence of accomplishing what I had expected. He could come up with no credible reason for the lack of achievement, I told him in response that I was not interested in pursuing this further and desired my money refunded to me. Since that time I have called, texted, written letters and communicated via the XXXX XXXX more times than I can count, to no avail. One of the selling points in all of this was low or XXXX % interest on new credit cards which would allow time for profits to erase debt. That option had already been squandered. I can only guess that I was part of a scam that has left me debt ridden and from which I never received any benefit whatsoever from. As part of the total charge above I was charged {$10000.00} to my Navy Federal credit card. I have called, written and talked to in person to the Fraud dept. and re-appealed all to no avail. They seem to have no sympathy, They say I was beyond a 60 day window for requesting reversal ; but in this case I had no choice, as I tried to negotiate with the " merchant. ''
Product: Debt collection

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL alleged debt amount : XXXX This company refuses to acknowledge my request by certified mail letters of validation with contract signed by me and proof of their license. I have sent letters twice and have n't received anything other than updated alleged debt on my credit report.
Product: Vehicle loan or lease

I received a bill for personal property tax from my previously financed XXXX XXXX XXXX for {$230.00} from XXXX County ( see attached notification from XXXX ). This bill is incorrect, as it was levied based on the car being registered for 7 months ( see attached bill from XXXX County ) -- this is impossible since the plates were transferred from the XXXX XXXX to the new XXXX XXXX XXXX I leased in XX/XX/XXXX. I can provide a copy of the registration for my new XXXX showing this. XXXX County informed me the disposal date with the DMV needs to be updated and/or paperwork filed. 

I was informed by XXXX ( refused to provide her last name for " personal privacy '' ) with Honda Financial Services today, XX/XX/XXXX, that I must pay the full, incorrect amount, wait 2-3 weeks for XXXX/Honda Financial Services to file an abatement, then wait another 8-12 ( " possibly longer '' ) weeks for the state of Virginia to respond and THEN be issued a refund. 

The fact that XXXX paid an incorrect bill is not my fault. The fact that Virginia issued an incorrect bill is not my fault. 

I estimate my actual tax burden to be around {$100.00} ( 25 % or 3 months ' of the full years ' tax ), and I am happy to pay that amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 usc 1681 section 602states I have a right to privacy.

15 usc1681 section 604 a section 2 : it also states a consumer reporting agency a account without my written instructions.

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

XXXX told cfpb that the information was removed from my recored or they did not see it on my report which they knew lying on my report will caused financial harm and risk. I. contacted XXXX call many time starting from XX/XX/XXXX police report and ftc XXXX never did the proper investigation mind you I was not notify that they added account back to my account saying the company notify them to put it back on as of today XX/XX/XXXX XXXX I XXXX XXXX XXXX my own investagation that XXXX ignoring the fcra rules to investigate before adding in formation to my account same thing with XXXX XXXX they refused to open and verify debt I do not owe as well as me being a victim of Id theft these company also sold and buy back they debt from creditors I show XXXX also they had it on the report as will. I need a full invesagtion on experain for breaking laws and refusing to clean or removed debt that was do to id theft off my report I also paid for the experian credit work which they suppose help and pay up to a XXXX dallors of damages as a promotion they have to for victims was a tatic to get me to sign up. cfpb also have complaint for my reports for them company. removing addresses they refuse me saying it my address .also saying they deleted or remove some account which they did not ... .see Attachments.Im also file a lawsuit. how they also sharing information to another company. clarity by experain giving no chance on tryin to reslove the matter giving out my id addresses and income my banking information it gone to far along with rent growth rent cafe giving misleading information to company im getting denied .under 15 usc 1681 i and down my rights had been violated.15 usc 1611 ( B ) prescribe regulations requiring each financial institution and each creditor to establish reasonable policies and procedures for implementing the guidelines established pursuant to subparagraph ( A ), to identify possible risks to account holders or customers or to the safety and soundness of the institution or customers ; iii ) uses other means of assessing the validity of the change of address, in accordance with reasonable policies and procedures established by the card issuer in accordance with the regulations prescribed under subparagraph ( B ) ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX 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, credit repair services, or other personal consumer reports

I reached out to TransUnion, XXXX and XXXX about some inquiries that i had just noticioed on my credit report that I DID NOT AUTHORIZE. Transunion, XXXX and XXXX all told me to reach out to the companies that reported the inquiries. I did that. The companoes told me that there was nothing they could do about it and to speak with the credit beauruas. No one is trying to help me mean while these inquiries are on my credit trpoert without my authorization. The credit beuarues are suppose to do a thourough investigation but have not sone so. This is hindering me from living life. I am requesting that you look into this mattter and have the following inquiries removed AS SOON AS POSSIBL : XXXX XXXX XXXX ( XXXX/XXXX/2016 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/2016 & XXXX/XXXX/2016 ) XXXX XXXX ( XXXX/XXXX/2016 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/2016 & XXXX/XXXX/2016 ) .XXXX XXXX XXXX ( XXXX/XXXX/2016 )
Product: Debt collection

Receive notice from credit bureau that a collection file was added to the 3 credit bureau, for a XXXX dollar debt. I have yet to receive a written documentation from this collection agency in order for the right to confirm, or reply for verification of debt per. the fair credit reporting act. But they added this debt without giving me due process to verify this debt. In doing such I had no right to dispute or confirm if this an original debt is correct. in doing this unfair practice my credit score was drop, and made collection added as if it valid. I 'm a single parent trying to do right I will not be rail roaded unfairly.
Product: Debt collection

XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an apartment lease opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an a personal private loan account opened at Cashnet on XX/XX/XXXX under the account number ( private ), These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the collections in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of 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

I have reached out to each bureau six times including my most recent letter XX/XX/18 and before that XX/XX/18. I am a victim of identity theft. I have reached out to each company in question and t hey are unable to validate me by any information I provide them. Not even my social. I have asked them to remove and block these accounts six times and they respond by asking me to verify my identity by sending in proof I am me. I have sent in proof four of six times with no response or them saying its valid with no investigation or proof its valid. When I reached out to companies they said they have no record, notes, etc. they were contacted by anyone to validate outside of myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. 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. Please delete the items immediately. 



By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.
Product: Prepaid card

I applied for & was granted Unemployment Benefits XXXX quarter XXXX during the initial uproar & mass confusion of XXXX. 
I received a Bank of America Debit Card in XXXX of XXXX to -- presumably -- begin access of my benefits. I ACTIVATED THE CARD BUT MY ACCOUNT WAS NEVER FUNDED. 
XXXX Debit Card Assistance was UNAVAILABLE : the CA XXXX XXXX line was nonstop jammed for months from XXXX - XXXX. I thus turned to my own local BofA Branch XXXXager who discovered that the XXXX  Debit Card Process had been subcontracted out to parties unknown working under the BofA logo. My bank of XXXX yrs could not help me. 
With no resources left and exhausted by interminable hold times and disconnects, I tabled my claim for approximately {$5000.00} because ... what was I supposed to do? Hire an attorney or other advocate when out of work? All of this was crazy-making. 
Finally in XXXX of XXXX, I picked up the gauntlet again and found that XXXX had installed a new telephone response system. An " elevated agent '' agreed to run a pay-out accounting of my benefits AND gave me a BofA vendor phone number to have them run same. ATTACHED ARE THEIR RESPONSES from XXXX, XXXX. 
NET NET : BofA XXXX XXXX out of Delaware claimed that CA XXXX had never funded my acct. XXXX meanwhile claimed that they'd wire-transferred XXXX payments, dating to early XXXX & XXXX of XXXX, successfully to BofA Debit Card on XX/XX/XXXX & XXXX, XXXX. ( They bunched up XXXX payments into XXXX for some inexplicable reason. ) I now had PROOF that I was at an impasse with my both of my key parties pointing fingers at each other. 
FINALLY I THOUGHT TO CONTACT MY CONGRESSPERSON 'S OFFICE. An aide there researched my matter, reached out personally to XXXX and discovered from them & from peers in other congressional offices that I was not the only constituent struggling with non-payment of XXXX unemployment benefits. So finally, between CA Elected Officials XXXX XXXX & XXXX XXXX, I have arrived HERE to file a proper and righteous complaint. HELP. ONCE AND FOR ALL. HELP.
Product: Credit card

I have checked my credit report from XXXX and I have noticed an unauthorized hard inquiry. I have no knowledement of this inquiry on XXXX XXXX, 2015. I would like it off my credit report due to I personally not applying this inquiry.
Product: Debt collection

About a month ago, I received a collections derogatory mark on my credit report, this that was from my mother that had used my name, and information that I did not authorize her to do, but she still did it. As a new credit owner, I do not want this on my report especially if its not a collection I owed this is by MRS BPO of a collection of {$800.00}. I have been working every day with XXXX and XXXX XXXX to the best of my abilities to get this removed but nothing is happening.