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

I filed a complaint against TRANSUNION because they currently have INACCURATE, FALSE, UNDULY, UNLAWFUL and UNFAIR information on my credit report from XXXX XXXX XXXX. 

XXXX SUBMITTED ON XX/XX/2021 TRANSUNION responded XXXXhat it will use the same false unlawful information from the same furnisher instead of looking at ALL THE ATTACHMENTS I SUBMITTED WITH MY DISPUTE, thoroughly examining my bank statements and looking at my credit report, SEEING THAT XXXX FURNISHES UNDULY UNLAWFUL INFORMATION ON MY ACCOUNT, and then properly deleting XXXX from my credit file in accordance with CFRA. 

TRANSUNION has NEVER done what they are OBLIGATED to do and REMOVE XXXX FROM MY CREDIT FILE due to XXXX reporting inaccurate, false, unduly, unlawful, and unfair DAMAGING information on my credit file, which a THOROUGH EXAMINATION OF MY SUBMITTED EVIDENCE WOULD REVEAL but TRANSUNION never examined my evidence and instead relies on the same false information from the same furnisher. 

Whats the point of disputing directly with them then? Ive disputed via certified mail and fax and phone and online!! Yet, TRANSUNION relies on the same furnisher for the same false unlawful information about my account! 

Instead of looking at ALL the proof I sent and deleting XXXX unlawful reporting, TRANSUNION tells me it will obtain the same false information from the same furnisher.

This behavior is ILLEGAL.

TRANSUNION has REPEATEDLY dismissed my disputes about XXXX XXXX XXXX  stating REPEATEDLY exactly what they just stated in their response HERE. They take WRONG UNLAWFUL INFORMATION from the same furnisher and they keep it on my account VIOLATING MY FCRA RIGHTS. 

The inaccurate, false, unduly, unlawful XXXX account must IMMEDIATELY be removed from my credit file by TRANSUNION now in accordance with FCRA!
Product: Debt collection

Vehicle was towed by the city of XXXX XXXX  then sold to another person over half a year later and now they are claiming I owe them XXXX for storage fees after the vehicle has been sold and I had spoken with them previously letting them know I no longer wanted the vehicle.
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX, XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 XXXX 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: Debt collection

I XXXX XXXX never entered into a consumer credit transaction with RMP SERVICES LLC. I was not expecting a bill on XX/XX/2021. On XX/XX/2021 they sent a bill thats a violation of 15 US Code 1692b. They also used obscene and threatening language that attacked my reputation and character in their correspondence to me. This is also a violation in accordance with 15 US Code 1692d. RMP SERVICES LLC did NOT provide me a HIPAA release form for this alleged debt to releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. 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 encourage a response from you expeditiously.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found incorrect addresses that do not belong to me and need to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ', XXXX XXXX XXXX, XXXX XXXX NJ XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XXXX My correct address is XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NJ XXXX. Incorrect information like this can lead to fraud, identity theft, or confusion about my financial history. My credit report should only show my actual, verified address. Please update my credit report as soon as possible to ensure it is accurate. Thank you for handling this quickly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My information may have been impacted by the Equifax Data Breach and XXXX XXXX breach and may have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the Banking system ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in facts exists I am the XXXX XXXX XXXX XXXX  I have paid every loan and credit card I ever had without missing a payment I do not recognize these cards Nor do I recognize these inquiries on my account I decide to check my credit as I received info about a data breach realizing there were these collections I never saw also I see the collections are very old pass Ohios date of deletion so why are they on my credit
Product: Money transfer, virtual currency, or money service

I had a select credit account with HSBC where two online Cash advances occurred. XXXX for {$12000.00} and XX/XX/XXXX {$3000.00}. The money was transferred to an online HSBC online money market account ( joint account ) with my wife. The money had been transferred out From the joint to two banks XXXX XXXX  and XXXX XXXX XXXX. I called several times to report the issue. This transaction was never tagged as fraud. I have also sent numerous certified letters and have not received any correspondence from the bank. I have sent a police report to HSBC and even went to a branch to speak with a representative and spent 3 hrs on on XX/XX/XXXX to try and resolve the issue. To date i have received no correspondence from HSBC acknowledging the issue. I would like to get an email acknowledging the issue and a reference number for the related investigation.
Product: Mortgage

I am trying to process a shortsale. My client lost their XXXX year old son in their home and want to move. The buyer is pregnant and wants the house. My client as a result of Chase delay in this matter is not receiving the HAFA relocation fee they claimed last year the house was worth more but a subsequent dispute revealed that the price of the home was correct on the contract. They ask me to remove HAFA because deadline was XXXX/XXXX/15 which expired because of the banks handling on this matter. Now we have been waiting for months on what is the THIRD CONTRACT ON THIS HOME because CHASE needs to confirm that CHASE XXXX mortgage department filed a lien release. The delay in this matter has been extensive. My clients need money to move and this entire ordeal has been a debacle.
Product: Checking or savings account

I have reported this problem before a few weeks ago and Wells Fargo only prays on me when my acct balances are low. But now on both accts they assessed overdraft fees on items that did NOT cause my acct to go negative due their excuse of " night time processing ''. One acct ending in XXXX, they assessed a {$35.00} insufficient fee balance after auto transferring a {$1.00} to clear the item that posted. My balance on the acct at the end of the day was {$0.00}. Then they posted a {$35.00} NSF fee and now my other pending transactions that I deposited money in my acct for them to clear will be insufficient causing me to accrue more fees. Again on my end, my account only ever is shown in the positive. Secondly my account ending in XXXX. Same thing. {$25.00} purchase for gas, my balance was {$27.00} at the end of the day. Next business day, {$35.00} nsf for that purchase and now my account is negative again, causing my pending payments that I have deposited sufficient money in my account for, to be insufficient providing them a chance to charge more nsf fees. I have called them on several occasions over the years for this occurrence. Just would like to remind you this used to never happen to me until they were sued for it happening to other people. Secondly it only happens when my funds are low, but NOT insufficient. Even if they are insufficient in one acct. But I have XXXX in another acct, they will not assess these charges. All deposits were made in time for their auto rewind program. The only thing that did happen was I received notifications to deposit or transfer funds within timeframes THEY allow. It would be different if it was consistent, but its only when I have low balance, but again not insufficient, at least what i am shown online and in my app. When this happens they change their rules. I would like to request this back be investigated for predatory tactics on low income individuals and minorities. Seeing how their was a mass lawsuit against them on inappropriately applied bank charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX I've sent disputes for those unknown and inaccurate accounts that I found on my credit report. It cause me stress because it's almost 90 days now but I haven't received any response. I demand for the deletion of those inaccurate or unknown accounts or I will file a litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 15 US-CODE 16921 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to dispute the collection account associated with my account. Upon reviewing the information provided, I noticed that the collection does not accurately reflect my name or my daughter 's name. It's possible there has been a mistaken identity, especially considering recent events. My daughter recently required XXXX XXXXXXXX XXXX and was admitted to the hospital. Given the circumstances, it's conceivable that there may have been a mix-up in the documentation. Neither myself nor my daughter have any association with the account in question. I kindly request that you investigate this matter further and provide clarification on why this collection has appeared on my account. Additionally, I would appreciate it if you could provide documentation regarding the debt, including the original creditor 's information and details of the alleged debt. Your prompt attention to this matter is greatly appreciated, as I am eager to resolve this issue and ensure the accuracy of my credit report. Thank you for your assistance. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Continental Finance ( Account sold to XXXX ) states on my credit report that this account has been charged off. I never received a 1099-C. Being that the they already filed my account as a charge off on their taxes, and I have never received a 1099-C, this company is committing fraud. I kindly request that the CFPB investigate Continental Finance and take appropriate action to address this matter.
Product: Checking or savings account

I was involved in a really bad car accident and I was in XXXX  for XXXX  months I had to learn how to walk and do everyday life skills all over again during this time. Someone had got my information out of my purse which was inside of a wrecked car at a towing pound yard they decided to live their best life as me they started writing fraudulent checks doing all kinds of stuff on my account well my parents couldn't do anything about it because I didn't have a power of attorney at the time and whenever I did the original dispute they denied it because I didn't have a list of the transactions well I didn't know the transactions I just put from a you know the time I was in XXXX  the time I accident the time I got released from the hospital and so I peeled that situation and got a letter back probably a year later stating that those the charges were fraudulent and that I'm not held responsible well then I had to go through with dealing with XXXX XXXX  and I got that all completed now this is over to your time. I go to open they finally let me open up an account at Navy Federal credit Union which I've been a member since XXXX so I didn't want to lose that banking relationship with them when I go to open up my account everything was fine I go into the branch to pick up my debit card a week later and they tell me I have a charge off account and they're going to hold everything on the account mind you I've been battling this out with him for XXXX  years and finally I get a letter in the mail last year in XXXX of XXXX saying that I was not held responsible for these charges now they're telling me that it's back on my account and they have it as a deposits only account please help me solve this issue I've been going through for XXXX years with him
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items that were inaccurate.Under 15 U.S code 1681e ( b ) accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information possibility accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. in accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  under 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.PLEASE DELETE IMMEDIATELY XXXX FIX MY LIFE
Product: Checking or savings account

In XX/XX/2021 I had fraud on my account where XXXX tried to act my account over XXXX times on 2 separate occasion just 4 days apart. I was charged over XXXX in NSF fees by NFCU. After hours upon hours of trying to work this out, I was refunded those fees on XX/XX/2021 and my account was closed. I had a new checking and saving account opened and didnt hear anything about it until XX/XX/2021, when I had an IRS tax refund check deposited into my new checking account for {$5000.00}, and navy federal took every dollar of it to pay this charged off account. My statements show I was refunded the money and my account was closed. NFCU refuses to return the money even after its been proven by multiple representatives that work for NFCU, every time I get a different excuse and told someone will call me or there is nothing that can be done. They continue to lie and change story and hang up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian will not remove my bankruptcy. I sent all my Identity Theft documents along with a police report and etc .... Everything needed. I waited for over 30 days for a response. XXXX is the only one that got back to me and has removed my bankruptcy from my credit report. I sent letters to XXXX/XXXX- new as of last month, my account was transferred to XXXX with new account number XXXX. XXXX refuses to open up my mortgage account, I pay monthly payments and yet they still refuse to correct the information on the account. 

I am so tired of fighting and sending letters through certified mail. I don't understand how you can remove the bankruptcy from my credit report and than add it back on. This is not fair. I don't care about your XXXX report. 

I have Identity Theft reported since the IRS was hacked in XX/XX/XXXX. All my passwords, banking information, credit cards were all reported. 

This is an on going thing for me. Every 3 months someone does something to me. I was able to trace  the IP address back to XXXX, and I reported it to the FBI> Please help ... ..I am working so hard to rebuild my credit report because of the Identity Theft and I can't even pass security questions anymore. 

Thank you, XXXX
Product: Money transfer, virtual currency, or money service

Wellsfargo bank paid XXXX dollars on XX/XX/2018 to someone not the payee, review showed difference name on the the check # XXXX and no certified signature on the back of the check, bring to their attention and have claim number XXXX, later got a disputed reply because not their fault and case too old, we are payee and Payer both Wellsfargo account holder felling so unfair, we called XXXX many times with hopeless, we need help to get our money back, thank you very much, may god bless you
Product: Credit reporting or other personal consumer reports

There is an incorrect unknown collections on my report from a Hunter Warfield.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I attempted to log into my Venmo account and received a banner stating my account was frozen, I then went to the Venmo website and contacted the company. They then requested I confirm my identity by sending in a picture of my drivers license. I then complied and received another email stating they were reviewing the case. On XX/XX/XXXX I received a new email which stated " Thank you for contacting us. 

After reviewing your account, we have determined that it is not eligible for reactivation due to several concerns regarding your activity. We informed you about this decision on XX/XX/XXXX. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community.. 

Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 

Thank you for your understanding. 
XXXX XXXX | Account Specialist | Venmo '' I then waited a year to reach out again and received the same treatment. I kept asking what I did in order to not be able to utilize their services and they would not respond. On XX/XX/XXXX I received an email response that they would not respond to any further questions that I may have regarding my account closer.
Product: Credit card

XXXX Consumer Services continually calls me about a credit card from OLD NAVY and lately about XXXX Bank. 
I do not have an Old Navy credit card, I don not shop there, I do not bank at XXXX Bank. 
I 've told several different representatives who call that I am not the person they are looking for. My address is different, my birthday is different my SS # is different but they continue to call and harass.