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

Complaint Regarding Unauthorized Promotional Inquiries by TransUnion.

Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint against TransUnion for their failure to address my concerns regarding multiple unauthorized promotional inquiries listed on my credit report.

Despite my efforts to resolve this matter directly with TransUnion, I have not received any response or acknowledgment of my inquiry, which was sent on XX/XX/XXXX. 

Details of the Complaint : On XX/XX/XXXX, I sent a detailed letter to TransUnion expressing my concern over multiple unauthorized promotional inquiries on my credit report, obtained on XX/XX/XXXX. These inquiries raise significant privacy concerns and potentially violate my rights under the Privacy Act of 1974 and 15 U.S. Code 6801, which mandates the protection of nonpublic personal information. In my letter to TransUnion, I requested detailed information on each entity that made these inquiries, clarification on how these entities were permitted to access my credit information, immediate removal of these inquiries from my credit report, and a financial remedy for these violations. To date, I have not received any form of response from TransUnion. Desired Resolution : I am seeking the CFPB 's assistance in obtaining a prompt and thorough investigation into these unauthorized promotional inquiries, the removal of these inquiries from my credit report, detailed information on each inquiry as previously requested, and a financial remedy for the violations identified. I expect TransUnion to adhere to federal laws regarding the protection of consumer information and to implement measures to prevent such unauthorized access in the future. Enclosed with this letter are copies of the correspondence sent to TransUnion, and copies of the credit report showing the unauthorized inquiries. I trust that the Consumer Financial Protection Bureau will take my complaint seriously and assist me in resolving this matter satisfactorily. Thank you for your time and attention to this issue.
Product: Credit reporting or other personal consumer reports

Hard inquiry XX/XX/year> Barclay 's bank Delaware showed up on my account. I have XXXX XXXX XXXX XXXX, I have not given permission for this bank or any bank to access my credit. I do not know who did it and I did not give them permission to do so. What is this? Who is this? I live in ND. What's a bank of Delaware doing on my credit report??? I would like answers as I have no idea why it is on my report randomly.
Product: Debt collection

So I had an old credit card debt that turned into collections when I wasn't the brightest when it came to credit or paying stuff off. I asked the bank what my options were because I was going through a tough time and somehow a {$300.00} limit turned into a {$680.00} collections bill with no explanation and years of interest added on. Shortly after in the coming months they then contacted an old work place in which 2 people other than me answered the phone. One of which was my brother and another employee who has no relationship to me now found out information about me and that I owed debt to a collections agency. I got into a big family XXXX  because of it and ever since I've been traumatized by this experience. I get a text from my baby cousin who was around XXXX at the time saying someone called him during school hours asking information or whereabouts on me because I owe someone money he was scared and hung up the phone. Now they said they served me papers but unfortunately for them I don't live with my parents and haven't for awhile. I'm trying to find a lawyer now because they issued a writ of garnishment for my employer.
Product: Credit reporting

This is reported in my Credit Report Transunion and XXXX Acct # XXXX Charge Off report XXXX until XXXX report I have erequested a signature proof of account, not sucess. This a frausdalent account, Please removed from my Credit reports. 
XXXX
Product: Debt collection

I was notified by Midland Credit management of a debt owed. I mailed out a debt validation letter seeking I owed such debt to this collection agency. Midland Credit Management responded with account summaries and a letter from said original creditor XXXX. I also sent dispute notice to all three credit bureaus and only XXXX has responded to my dispute in which they said it has been verified. The information sent to me has not been enough to validate this as my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my XXXX XXXX Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. Please remove any other variation on my name it is not accurate. My DOB XXXX. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. 
My employer is XXXX I have had issues with unknown addresses on my credit report please remove the following addresses they are not accurate : XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX  XXXX, XXXX, OH XXXX-XXXX The following phone numbers are not mine please remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Discover Financial Services Dear XXXX, Thank you for your letter dated XX/XX/XXXX, regarding my concerns about the Discover card account ending in XXXX. While I acknowledge your prior response, I must reiterate and clarify my position. 

I have never alleged that this matter involves fraud. My dispute pertains solely to the unauthorized inquiry appearing on my credit report from Discover Financial Services, dated XX/XX/XXXX. Since I did not initiate this transaction, authorize the inquiry, or gain any benefit from it, the inquiry was made without a permissible purpose, in direct violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). 

I request that you refrain from placing any fraud alert or related annotations on my credit report as this would mischaracterize my dispute and create unnecessary complications. 

Under 15 U.S.C. 1681b, access to a consumers credit report is lawful only if : The consumer initiated a transaction. 
The consumer provided written authorization. 
There is a legitimate business need related to an existing account or transaction. 
Since none of these apply to me, the inquiry constitutes a direct violation of the FCRA. 

To resolve this matter, I request that Discover Financial Services : Remove the unauthorized inquiry from my credit report immediately. 
Provide written evidence of a permissible purpose or authorization if you believe the inquiry was justified. 
Compensate me {$1000.00} for violating my consumer rights under 15 U.S.C. 1681n, which provides for statutory damages for willful noncompliance. 
If this matter is not resolved promptly, I will file a complaint in federal court for your violation of my consumer rights. Be advised that I will not settle to allow Discover Financial Services to keep this case private. This matter will become public, and everyone will have the opportunity to see how your company routinely violates consumer rights. 

Court proceedings will cost your company far more than the {$1000.00} I am requesting in compensation. I am giving you the opportunity to make this right amicably by addressing this issue without delay. 

Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

Dear CFPB, Reference : Equifax - XXXX # XXXX XXXX XXXX I am writing to formally address an issue I have encountered with XXXX XXXX, a lending company that has placed an invalid negative note on my credit report. On XX/XX/year> I made my mortgage payment {$1700.00} through XXXX XXXX XXXX  application, Following day on XX/XX/year> XXXX XXXX  removed this application and announce launch of new XXXX 
Two months later I found out that my payment never went through, I have history of 15 years of loan payment with never missed payment This action appears to be a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( 5 ) and 15 USC 1692c.

Despite my repeated attempts to resolve this matterthrough multiple phone calls and emails beginning in the month od XX/XX/year> when I noticed change on my credit report XXXX XXXX has failed to remove the inaccurate information from my credit report. This has caused significant distress and adversely affected my credit score. 
Please review attached email correspondence with XXXX XXXX I kindly request that the CFPB investigate this matter as I believe my rights under the FCRA have been violated. I have attached copies of my correspondence with XXXX XXXX and my credit report showing the disputed collection for your reference. 

Thank you for your attention to this serious issue. I look forward to your prompt response. 
Sincerely, XXXX XXXX [ Attachments : Correspondence XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian Credit Bureau regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : 1. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL, XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit card or prepaid card

We applied for a 2nd Bank of America VISA XXXX XXXX  credit card after XXXX receive an offer in the mail. XX/XX/2023 {$100.00} statement credit. XXXX bonus miles and famous companion fare {$120.00}. We received the cards and I used mine to charge {$3700.00} on XX/XX/2023 for my first XXXX XXXXXXXX. Since then, we have been trying to get XXXX added as an " owner '' instead of just an applicant. Bank of America has not been honest and transparent with the application process. So this card did not show up online with our 5 other accounts, checking, savings, XXXX XXXX XXXX, 2 equity loan accounts. After calling them up, we were told that XXXX had to give his permission to add me as a co-owner. We did this. XXXX gave his permission over the phone and the rep claimed " her computer crashed ''. She told us to go into a bank branch. We did. XXXX tried 2 times to call the credit card phone XXXX. 2nd time we got through. To verify us, the rep tried to send XXXX 's work phone a code. It did not work. They tried to send a code to XXXX XXXX XXXX. It did not work. The bank manager had to confirm our identities on our drivers ' licenses. They then responded that this account would go to a board to decide if this change would happen or they would cancel and start a new account. So i used it a couple more times and paid the {$5000.00}, more than we have charged. NOTHING. We can not see this credit card and our transactions. We do not know why BA is denying this credit card. XXXX does not do any online banking and gave his permission for me to keep track of this card. XXXX is a community property state so why does this even matter? Maybe you guys can get BA to add me as an owner on this account so that we can see it online with our 5 other accounts.
Product: Credit card

Chase credit card has been harassing me daily asking me to pay even tho it was fraud on my account I have been dealing with this for the past 2 months every time I ask for them to reinvestigate some rude XXXX always yells at me saying you did it sir stop wasting are time. And they are charging me so many late fees my credit card ending number is XXXX
Product: Checking or savings account

I am so upset and frustrated with this bank that I made a deposit at a bank teller in Louisiana, and when I put the money in, the teller told me that he could not make my transaction but he could not refund the money either and he printed a receipt that said to take him to the bank, and now they see me with a fool face there, everyone inside the bank as if I were lying about it, they make me wait they say 3 weeks or what do I know how long for my money to be available and in the meantime they charged me and they charge overdraft fees, it's stupid what they do to me, I actually have the receipt from the cashier with time and amount and they can't put my cash in my account, what's wrong with them, now I'm super overdrawn because of so much charge they make me, it's Unbelievable indeed, I am a student and I depend on little money for my needs, in truth what a bad service they have in this Bank, sorry to be with you.
Product: Prepaid card

I received an AMEX gift card from my dad for XXXX. I have never successfully used this card anywhere, even though it remains active. 

This is a physical card, and it is declined both online and in brick-and-mortar stores, at restaurants and grocery stores, or XXXX XXXX - no one will take this card. 

I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the card ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balance for my unusable cards to a virtual card. They can not offer me a refund. 

They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 

This system seems designed to skim a XXXX XXXX from American consumers. They hold our legal tender XXXX and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not resolve with AMEX customer service nor can the original purchaser. 

My money is inaccessible. All I want is the total balance on my cards in cash/check.
Product: Student loan

XXXX school loan from XXXX was sold to UAS and they will not let me know why my loan principle has not been cut by up to 40 %. Please see Case number : XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I recently obtain a copy of my credit report and found many errors reporting on all three credit bureaus, including hard Inquiries that was Unauthorized. On XXXX XXXX I sent a Certified letter to all credit bureaus, Equifax XXXX XXXX being two out of the three regarding unauthorized inquiries reporting. I XXXX XXXX waited 2 weeks for a response. I contacted Equifax XXXX XXXX via phone on XXXX XXXX and stated this matter, Equifax Representative stated that I have to call the lenders one by one and state that these Inquiries are reporting also they don't have Access to disputing Inquiries over the phone, I have to dispute online. XXXX Representative Stated I need a police report.I XXXX XXXX Disputed the inquiries online with Equifax on XX/XX/2022. Equifax stated it would take XXXX XXXX to complete the Investigation. On XXXX XXXX I gotten a emailed from Equifax stating my Investigation was complete and it stated The hard inquiries was verified.Their method of verification was not Thorough as stated in the letter ( pdf ).
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX we were asked to come to XXXX XXXX of XXXX XXXX to put the final touches on a deal to buy a XXXX XXXX XXXX, and our XXXX XXXX XXXX would be taken as trade upon arrival we were told that the financial manager was " just talking to the bank '' after all was said and done the finance manager came to speak to us, presented us with an outrageous payment we were unable to afford and that he did not know anything about taking the XXXX XXXX as a trade but it was not worth what we owed anyhow. 
we decided NOT to take the deal as we had been misinformed. 
the next day i checked my credit report to find 6 HARD inquiries on my credit report that I DID NOT AUTHORIZE .... as i thought the deal had gone through before we got there XXXX XXXX of XXXX XXXX on XX/XX/XXXX put 6 hard inquiries on my credit report that again I DID NOT Authorize and my credit score went down XXXX points in one day. 
thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against  XXXX  and TransUnion. There are liens appearing on both. The liens a re PAID.  The liens were filed " after the fact ''. The debt was satisfied before the liens were filed. Yet, they refuse to remove since the liens were filed in error. They are going to keep on my files for 10 years. This is absolutely insane. This is causing me much   XXXX   as I am attempting to purchase a home. As long as the loans appear on file, even though they are paid, lenders are declining credit or charging exhorbitant interest rates. I did not have this same problem with  XXXX .  XXXX  and TransUnion should be held accountable. They are truly inept and have horrible customer service agents. Why do we have to have (  XXXX  ) bureaus, any way? This is absurd ... ..
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did identity theft so that all these to be removed from my report due to someone using my identity for all these accounts without my knowledge
Product: Debt collection

Monterey collection service agent named XXXX told me on the phone that premium destinations was the original creditor ( consumer funding source ) which is reported on my credit report. She then told me to contact premium destinations, after contacting premium destinations they have a written statement saying Monterey financial is the original creditor. I believe this is bad business practice, false reporting on my credit reports. Also I have told Monterey collection services to stop contacting me over a year ago and send me everything in writing. I was contacted by XXXX again while at work.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed that a existing problem is till not fix for the past 2 years I never miss a paid payment when account was close everything was paid as agreed and inaccuracies, the consumer reporting agencies have assured a vital role and have a responsibility to report consumers information to the best of their ability with maximum customer accuracys.i have never been late and all payments were made in full as agreed I have included screenshots of all 3 different reporting inaccuracies, no data, collection and charges off, XXXX XXXX please investigate and provide proof with statement showing that these payment were late or not pay in full, if proof cant be provided I demand these be updated dated as agreed payment in full on time as it should have been not showing up on my credit report. I spoke to the report agency and XXXX they said it was a mistake that they were going delete from my credit but never did this have been on going problem, also my FTC report number is XXXX
Product: Money transfer, virtual currency, or money service

The company is paypal. Pay pal shut down my account XXXX XXXX. Paypal is not giving me a reason why it was shutdown. Im totally lost on why. My wife past away a few years ago I dont know if my wife did something to my account somehow in the past but I cant fiqure out why and getting no answer. I did nothing wrong with paypal and would like to talk to someone to resolve this issue.
Product: Checking or savings account

I got an email this morning at XXXX XXXX from Citizens bank saying I opened an account and deposited 1 dollar into it. I have opened any new checking accounts recently so I am unsure how this got opened.
Product: Debt collection

I HAVE ASKED FOR VERIFICATION THAT THIS DEBT BELONGS TO ME AND IT HAS NOT BEEN PROVIDED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017, I started sending Experian letters to verify items on my credit report. They never did provide me proof of original documents for the items that are on my credit report. The Federal law states they must delete any items that they are not able to provide me proof of original documentation. I have sent them four letters.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX sent a paid in full letter. 
XX/XX/XXXX XXXX XXXX XXXX reported to XXXX Credit bureau the account was closed. 
XX/XX/XXXX XXXX XXXX XXXX reported to XXXX Credit Bureau the account was closed. 
XX/XX/XXXX XXXX XXXX XXXX reported to XXXX Credit Bureau the account is in positive : account is current. They did not report the account was closed and paid in full. 
XX/XX/XXXX I spoke with XXXX Credit Bureau which states XXXX XXXX XXXX reports I owe a balance of XXXX, this is inaccurate information. They also stated that XXXX has reported XXXX additional times of inaccurate information after vehicle was paid off.
Product: Vehicle loan or lease

I took out a loan for a used vehicle with XXXX XXXX XXXX. I have made many payments in person and online. Because I am paid ahead till XX/XX/2024 I want to make principle only payments. I am not able to do that online and when I went into the office I was told I can't make principle only payments there either. That the computer decides. So far, every payment I've made they take out a finance charge. I don't think this is right. 

I was also charged XXXX years worth of car insurance, life insurance, and auto club fee without telling me. When I noticed the additional charges that same day they removed the fees when I provided my XXXX  page from my insurance company. Had I not noticed these charges I would have been paying 2 car insurances. What I don't agree with is my finance balance would not have incured so much finance charges. Those fees were almost {$7000.00}. They issued me a check which I applied to the account but the original bal was calculated with a higher amount and a higher f/c was applied. I feel I'm due the credit and the f/c should be based on the correct amount of the vechicle. 

I'm concerned about the people that are taken advantage of when they do not know they are paying these unnecarsary fees.
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. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX XXXX XXXX-Balance $ XXXX Opened : XX/XX/2016 2016