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

After providing them with their own internal file number for me, TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Please see enclosed documents ACCOUNTS IL XXXX XXXX SVR XXXX not mine XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX not mine COLLECTIONS IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mine XXXX XXXX XXXX # XXXX not mine XXXX XXXX # XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized TRANSUNION INTERACTIVE XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX CO XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement  and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Reported LATE PAYMENTS for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

According to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and Experian are consumer reporting agencies and I am the consumer. 
I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 and states : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX XXXX The financial institution and the consumer reporting agencies XXXX and Experian DO NOT have my consent, and they DO NOT have my written consent. Any and all consent to XXXX, Experian or XXXX XXXX XXXX XXXX XXXX whether it is verbal, non-verbal, written, implied or otherwise is REVOKED.

15 USC 6802 ( b ) ( c ) states : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX NEVER informed me of my right to exercise my nondisclosure option.

ALSO, 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information- any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting AGAIN WITHOUT MY permission, which is against the law. 15 USC 1684s-2 ( a ) ( 1 ) (
A ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
15 USC 1681 ( e ) states : " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. ''
Product: Checking or savings account

There was a lock on my Apple Card on XX/XX/2023. After using support text with the product, I was informed, " I can see that the account is under review at this time. Occasionally we will put accounts under review for the safety and security of our users. While I can not give an exact time frame for when this review is complete, we will contact you as soon as possible with any updates or if we need additional information. '' Next day there was also a lock on my Apple savings account, which I was told was a system generated lock since the card was locked. 

On XX/XX/XXXX I had logged a complaint with a supervisor who told me it would take up to XXXX business days for a superior to get back to me with more information. 

Several attempts both by phone and text support were attempted with a XX/XX/2023 response : " Your account is currently under review. For security purposes we are not provided any information regarding your account review. Once the review has been completed, we will contact you back with further information. If we are unable to reach you, a voicemail with call back information will be left. '' Additionally, " I'm not given information as to why it happened, I do know that the turn around time is based on a case by case basis. '' Days later I was able to have Goldman Sachs unlocked the credit card by answering some simple questions, and was told that there a declined charge and they attempted to contact me even though I verified the charge was correct when notified via the Apple XXXX messaging. I was able now to use the card and since I was told by the savings account XXXX that they could not unlock the savings account until the review by the credit card product was completed, I asked to speak to them to proceed with the unlock. I was notified by the savings account XXXX that there was indeed still a review on my credit card product irrespective of the ability to now use the card without any lock. They informed me that they were not able to unlock the savings account due to that department 's continual review. 

From the aforementioned complained I filed on XX/XX/2023, today is XX/XX/2023 - XXXX business days later and no communication from Goldman Sachs regarding this matter. I was advised today to file another complaint to the same department which failed to return communication within their promised XXXX business days. I was told by a supervisor in the fraud department for the credit card product that that is the best which they can do to contact any superiors for escalation. 

Since XX/XX/2023 I am still unable to access funds in my savings account now for over 16 days - and with no recourse to rectify the situation. 

Any help would be greatly appreciated! 

Best, XXXX XXXX
Product: Checking or savings account

On XX/XX/2024 an unauthorized user withdraw {$800.00} from my checking account! Capital One provided photos saying it was me but I was never at the bank on that day. I really think they edit the date! I also told them there was XXXX people in the banks at the time. The photo they sent me showed I was alone! I wish they would be honest about the situation and return my money! Please whomever reads this be careful, watch your surroundings! Don't get robbed like I did! Capital One knows who it really was but don't want to confess!
Product: Credit reporting, credit repair services, or other personal consumer reports

EXHIBIT  XXXX  - herein annexed.   Personal information, page   XXXX  of  XXXX   of  XXXX  credit report number  XXXX , Dated    XXXX   XXXX   XXXX      showing  XXXX   XXXX   address with  an Address identification number  XXXX  linked to   XXXX   XXXX   with the same address identification.  <P/> On    XXXX   XXXX   XXXX     ,  XXXX  credit card representative and that persons supervisor,  XXXX , denied any  XXXX   XXXX   address i n their records, therefore, they can not report such  XXXX   XXXX   to  anyone.  <P/> As a result, this  XXXX   XXXX  address must be removed from ALL credit reporting agencies.  <P/><P/><P/> EXHIBIT  XXXX  - herein annexed.   Account  in good standing page   XXXX   of  XXXX  showing   XXXX   XXXX   with the same Addres s identification number  XXXX  that establishes a link between  XXXX   XXXX   address  and this credit  grantor,     XXXX   XXXX    <P/> On   XXXX   XXXX   XXXX    ,  XXXX  credit card representative and that persons supervisor,  XXXX , denied any   XXXX   XXXX    address  in their records, therefore, they can not report such  XXXX   XXXX   to  anyone.  <P/> As a result, this  XXXX   XXXX   address  must be removed from ALL credit reporting agencies.
Product: Mortgage

Recently I was told by IberiaMortgage that I would no longer receive a monthly mortgage statement. ( I have had a mortgage in one form or another for over 20 years! ) I called to confirm this and they did just that. The email I got from them was short and to the point : XXXX XXXX, We have stopped completing the Monthly Statements. 
Thank You XXXX XXXX IberiaBank Mortgage Company XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, AR XXXX Phone : XXXX Desk Phone : XXXX Fax No. XXXX It seems that there are regulations requiring the bank to send a monthly statement. Could you please help me with this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft and I'm suffering punitive damages due to WELLS FARGO DEALER SVC in the amount of {$3300.00} on XX/XX/XXXX reporting fraudulently to my XXXX and XXXX credit report and XXXX XXXX XXXX XXXX in the amount of {$220.00} on XX/XX/XXXX reporting fraudulently to XXXX. I have mailed FTC reports to both the company and the bureaus without this being resolved.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Debt collection

This company is reporting that I owe a utility bill and I wasnt even living there ... I had moved out XX/XX/XXXX and contacted XXXX that I was moving out ... this item shouldnt be reporting to my credit report ... this item should be remove
Product: Vehicle loan or lease

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX whom resides at XXXX XXXX XXXX XXXX is a victim of Aggravated Identity theft and is being violated by these companies as a consumer and has reached out to these companies XXXX times stating law 605B.15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. Here are the XXXX XXXX # numbers for each letter sent : XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE AN FRAUDULENT CREDIT ENQUIRY ON MY CREDIT REPORT WHICH WAS NOT AUTHORIZED BY ME OR WITH MY KNOWLEDGE 1. JPMCB CARD SERVICES on XXXX XXXX 2. XXXX XXXX on XXXX XXXX THESE HAVE A HARD ENQUIRY ON MY CREDIT REPORT BUT I HAVE NOT INITIATED OR AUTHORIZED IT TO MY KNOWLEDGE, SO IT IDENTITY THEFT AND I WANT THIS ENQUIRY TO BE REMOVED FROM MY CREDIT REPORT, SO AFTER KNOWING THIS I CONTACTED XXXX XXXX AND THEY ASKED A DOCUMENT FROM CFPB FOR THEM TO REMOVE THE CREDIT ENQUIRY FROM MY REPORT
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, I have asked for all proof that this account belongs to me and try to see what documents were submitted to open this account. I have received nothing. Attached is the account at hand and the identity theft affidavit. None of the account information is correct not even the address they have on file. 

THIS ACCOUNT NEEDS TO BE REMOVED NOT ONLY FOR INACCURATE INFORMATION BUT I DID NOT OPEN THIS ACCOUNT
Product: Checking or savings account

XX/XX/XXXX received call from XXXX XXXX XXXX on my acct. 
They claimed to refund the fraud and was a scam in which they gained access to my 2 checking accts Citibank and XXXX XXXX. Proceeded to XXXX  Approx {$440.00} XXXX CitiBank checking XXXX Their actions froze my computer and I was unable to acces accounts from that time onward. Do NOTknow actually how much they did take out of the accts. 
Droppedthe call when became suspicious, phoned both banks. REported scam, BLocked checking accts and asked for new checking acct to be opened in my name. ( CitiBank and XXXXXXXX XXXX ) SInce that time I have been working with both banks to reestablish my accts, but this has not happened yet as XX/XX/XXXX. 
Cards were sent to wrong address ( Home address and not temp address as requested ) Citicard Reissued and Address change issued XXXX. When Card activated was attached to Compromised checking acct and rep would not change to new checking acct. INsisted on reIssued of Debit card Again. Debit cards arrived and were expired when arrived. To Date I have had 3 CitiBank, and 3 XXXX XXXX Debit cards issued but still none working with my new un compromised banking accounts. 
I am XXXX and can not go into branch to handle in person!! 
This needs to be done over the phone or internet. 
CitiBank has no branches in XXXX where I live. 

Similar experiences have happened with XXXXXXXX XXXX. Every Debit Card ( 3 now ) does not activate!!!. 

I have serious bill delinquencies due to not having access to my funds pls help
Product: Credit card

During covid with everything being so expensive and work being limited. I got behind on payments. Then I couldn't access my account for some time because my phone got destroyed. Also the payments was high as they were then with the late fees on top of what I was paying I just cant pay that much at that time.
Product: Debt collection

My information was sold to the collection companies and I did not give any permission for it to be sold. The amount is {$2000.00} I have no knowledge of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late paying my auto loan. Equifax and XXXX  wont cooperate when I asked them how they came up stating the account is verified. CFPB amp up and do something to remove XXXX XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Faxed in to Equifax per their request, my Drivers License, and a 1099 from my pension company, with a letter containing my addresses and social security number. 

Received a letter from Equifax demanding one of the following 1. Pay stub. I am retired!

2. W-2 form. again I am retired. 
3. Valid Social Security card, Wasn't request via phone call to Equifax. 
Told a 1099 would be OK with valid address on it. 
Part 2 also demanded the impossible : 1. Driver 's license with my XXXX XXXX on it. You only can put your legal residence on it. 
2. Rental agreement - this is a 4 page document all in XXXX. 
3. Pay stub - I am retired! 
4. Utility bill - Sorry the power company only uses XXXX language. ( Utility bill are not mailed by delivered by power company employees. How about my driver 's licence for a valid address? Sorry, I have no gas, no plug in phone, only a prepaid cell, and no cable. 

Letter contains a robot only phone number for assistance. - a really bad idea in special cases like mine. 

Equifax could NOT accept my XXXX driver 's license with my address in English? 
How about the 1099 from my pension company? 
My 1099 from my pension company has my current address and redacted social security number as required by law. 
Post offices are different here, I can only get mail from my PO box or my work place. 

It appears that retired American citizens living in XXXX can NOT get a free credit report.
Product: Credit reporting

Trans Union is not responding to my requests to investigate, verify and remove accounts from my credit file that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have now for several yards tried to get assistance and have removed the incorr t information on my credit file. Experian is the only credit bureau reporting this incorr t infirmI and fortunately I have had success in getting it remove from the other ones already. This credit card from  XXXX   XXXX  they are reporting ngative and as a charge off on my credit file ; does not belong to me. Is is identity theft and fair and  XXXX   XXXX  knows and has been noticed as well as Experian credit agency but they will not rly and or roc this incorrect and negative Informstion. I have sent them numerous requests and this has been ongoing for years now.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inconsistency in my credit report regarding the balance reported for my XXXX XXXX account number # XXXX. After reviewing my credit reports from multiple credit bureaus, I noticed that the balance for this account differs between reports. Specifically : XXXX reports a balance of {$5900.00} Equifax reports a balance of not on there XXXX reports a balance of XXXX I am filling this complaint regarding an inaccurate item on my credit report. Despite my efforts to resolve this directly with the reporting agency, it remains unsolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my tue credit history.