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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion XXXX XXXX, FTC complaint # XXXX I am writing to formally request the deletion and blockage of certain information from my credit report and to dispute the accuracy of my credit score. I believe that there are inaccuracies on my report that are negatively affecting my creditworthiness. 

Specifically, I request the removal of the following accounts and inquiries from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( XXXX XXXX ) - XXXX Additionally, I request the removal of all inquiries related to the mentioned accounts. I believe that the presence of this information is inaccurate and has led to an unjustifiably low credit score. My current score is reported as XXXX, whereas I believe it should be closer to XXXX based on my financial history. 

I am concerned that TransUnion may be discriminating against me based on my social security number, which begins with a 4. It has come to my attention that individuals of minority status, particularly those of the XXXX faith, have experienced similar issues with TransUnion. This leads me to believe that there may be discriminatory practices at play. 

I want to emphasize that TransUnion is the only credit bureau that is allowing fraudulent information to persist on my credit report. I find this situation unacceptable and damaging to my financial standing. 

If these inaccuracies are not promptly addressed and corrected, I will be forced to file a formal complaint, including allegations of discrimination, against TransUnion. I trust that you will conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracies on my credit report. 

Please provide me with written confirmation of the actions taken to address my concerns within 30 days of receiving this letter, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX18 I contracted with XXXX XXXX to do a home improvement job to begin on Monday, XX/XX/XXXX18 ; moreover, in order for the job to begin on Monday, 1/3 of the payment ( {$6400.00} ) was due XX/XX/XXXX18. Since I was not in the same city as the contractor I chose to use PayPal to send the money to the contractor. PayPal immediately withdrew the money from my Visa card and I immediately received a notice " payment sent '' from PayPal. 

I thought everything was all set until when I called the contractor on Monday morning to remind him not to put the dumpster in front of the house ; I was then told that the money never arrived from PayPal. 

I contacted PayPal and inquired what was going on. I had used PayPal on numerous occasions and the money has always been available within 5 minutes. XXXX, the first rep stated that the money was there and the construction company needed to receive it. He also told me to click the " services received button '' and that would speed up the process for XXXX XXXX to receive the money, so I did. 
Since I've never received any money from PayPal, I've only sent money, so I am not familiar with what " receive it '' meant and neither was XXXX ( XXXX XXXX  ). 

XXXX ( XXXX XXXX ) and I conferenced called PayPal multiple times for help with receiving the monies to no avail. I called everyday and on Thursday I totally lost my patience with PayPal Supervisor XXXX ( Employee # XXXX ) because PayPal has my money and will not release it to the company nor will they refund it to me. I am paying interest on my Visa card while they hold my money hostage in their black hole. 

PayPal now instructed me to file a dispute against XXXX XXXX. Now I am totally confused because I don't have a dispute with the construction company I have a dispute with PayPal for NOT Sending moreover, Keeping my {$6400.00}. The rep assured me that this is how I would get my money back ; so I did the dispute. THEN I was told that they would hold on to the money until XX/XX/XXXX18 while they investigate. What is there to investigate? PayPal has the money, PayPal won't send it to whom I requested it be sent to and when I requested that PayPal refund my money immediately they have to investigate? This company is clearly out of integrity. I want my money back is all. They didn't provide any disclosures that state this madness ( any holding time before dispensing funds ) They have a bunch of reps that say anything to get you off the phone, additionally each call created a bigger mess that it was before. I need help. I want my money back and I do not want to pay XXXX cent in interest because of what PayPal has done. XXXX - Employee # XXXX was the supervisor that I had my last discussion with.
Product: Credit reporting or other personal consumer reports

I have received my XXXX Consumer Disclosure Report and I found some incorrect information that XXXX and XXXX is using to verify my disputes. The inaccurate information is hindering my ability to secure credit. Please conduct a proper investigation on the below disputes. I am disputing the incorrect reporting of a Bankruptcy on my XXXX Consumer Report. This Bankruptcy was Vacated/Dismissed. Dismissed Case mean that the lawsuit is closed with no Finding of guilt and the legal affect is that the Bankruptcy is deemed Void
Product: Checking or savings account

Wells fargo is not allowing XXXX XXXX access my account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

While XXXX XXXX my idenity was compromised. During this time several hard inquiries were made on my Equifax credit report. I have listed them on the attached FTC reports. I am requesting that the creditors and Equifax immediately remove this from my credit file as it is affecting me economically. Please note some of the accounts mentioned are listed multiple times. I have never done buisness with these companies and demand that these items be removed immediately.
Product: Debt collection

Pursuant to Fair Debt Collection Practices Act 15 United States Code 1692. I reached out asking for a original contract that I signed with them and they stated that their client gave them my information they have called me over and over again multiple times a day I have had to block them. Its 2 accounts they have one in the sum of {$1300.00} and the other one {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Th auto loan hard inquiry was NEVER authorized by myself. I ONLY gave consent to XXXX XXXX Auto Fianc to obtain a copy of my credit report per a pre-approved offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

All major credit bureaus are refusing to remove information reported by XXXX XXXX inaccurately. Account not paid late and paid per the terms of a payment agreement.
Product: Credit reporting

Equifax is reporting inquires on my credit file that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

cooper is using Unfair, Deceptive, or Abusive Acts or Practices by stating they addressed the cease and desist XX/XX/XXXX from my " initial '' request XX/XX/2021 ( which is a lie because they have had this cease information on record for at least two year or more now because of other inaccuracies or blatant lies from which i then told them to only communicate electronically with me so there could be a record but they claimed I never said anything until XXXX of this year and EVEN STILL THEY VIOLATE and nothing going to be done. still waiting on my hemap loan and im within the waiting criteria for that and also i have a complaint with the banking and securities against mr cooper and they have time to play games on the phone so yet again this proves AGAIN they don't do what they say and mistakes are a EVERYDAY occurrence with this entity and this is affecting consumers lives and i been a witness first hand.
Product: Money transfer, virtual currency, or money service

Greetings, I have received a second factor authentication ( XXXX ) for an account I have NEVER made on from Cash App ( XXXX ). 

I contacted their resolution phone number at XXXX XXXX XXXX XXXX to request that check their system why I was contacted and to ensure someone wasn't trying to make an account in my name. 

They refused to do anything. They refused to : - Check to see if my email had an active account attached to it. 
- Check to see if my name was used in the creation of any account. 
- Place a " do not contact '' related to my name sake or email in their system. 
- Remove any information seemingly connected to me. 
- Connect me to a supervisor ( because the front line agent refused to do any of these things ).
Product: Credit card or prepaid card

On XX/XX/2020, I received a call from XXXX XXXX, claiming to be from XXXX and promising to convert my family 's non-refundable itinerary to a refundable one. On payment of the {$600.00} amount, I was told that a travel voucher would be issued for the said amount and a partial refund for the unused portion of the original itinerary would be issued. The reason we requested partial refund was because XXXX cancelled the flights for return leg of the journey as there was a travel ban due to COVID-19. You will find attached our airport-issued boarding passes for the trip from USA to XXXX which proves that the trip on XX/XX/2020 was started and reached destination ( XXXX ). When XXXX XXXX called me, I was tricked into sharing my credit card details as he promised to help me in getting refund on the return flights. The travel agent faking as XXXX personnel made me believe that this is a legitimate " Change Fee '', but it was not done in good faith. I was told that a PARTIAL REFUND on the XXXX itinerary will be issued, but even after contacting the agent, XXXX XXXX twice, he never responded and no partial refund was issued. At that time, I realized that this is a scam and hence, called Chase on XX/XX/2020 to dispute the said charge. On XX/XX/2020, I received a message from Chase Cardmember Services stating that the {$600.00} charge that I was disputing is valid. At that time, Chase Cardmember Services sent me a document that they received from the merchant which I want to share as an evidence in this matter. Thereafter, I sent a secure message through Chase.com and mailed all the documents to Chase Cardmember Services with a USPS delivery proof that Chase received these documents on XX/XX/2020. Chase Cardmember Services again sent me a message stating that they thought the charges were valid. At that time, I escalated this matter and spoke to XXXX, a Chase manager and explained him the suspicious nature of merchant 's document, but it did not yield a positive outcome as Chase Cardmember Services still believed that the charges were valid. 

The main points that I want to highlight below from the merchant 's letter that leads me to believe that this is a scam performed through XXXX XXXX : - I never booked from XXXX XXXX which was the letterhead used by the merchant when communicating with Chase -The domain name on email I received was " XXXX '' in their email address when they are not that company -The phone number listed on their letter starts with '1 '  which can not be possible -They have clearly tweaked my XXXX conversation as I just typed " I Agree '' -The letter mentions that they " Cancelled the flight on XXXX XXXX '' ( Travel agents can only cancel flight itineraries, not flights ) -The letter also falsely claims that " passenger never called us to query XXXX ''. I've tried to reach out to XXXX XXXX several times on phone with no luck at all -The language in the letter is super sketchy meaning, the language is full of grammatical errors and wrong usage of words/phrases.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, The agencies listed below, has violated my rights. 

XXXX XXXX XXXX ( ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( ACCOUNT # XXXX XXXX XXXX XXXX XXXXXXXX ( ACCOUNT # XXXX ) XXXX XXXX  ( ACCOUNT # XXXX XXXX XXXX XXXXXXXX XXXX ( ACCOUNT # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all 3 credit reporting agency XX/XX/2021 and let them know i was a victim of identity theft. I uploaded supporting documents Identity theft report and also police report. Experian said the information is verified because i didn't include all items on my identity theft report so they never blocked these items. They knownly violated my Consumer rights according to Section XXXX05B and 623 ( a ) ( 6 ) ( B ) of the FCRA. They also violated 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Product: Credit reporting or other personal consumer reports

Clarity Services , IncXXXX, A part of Experian Consumer Support Division Reference Number : XXXX I was asked again by Clarity Services to send in my Social and Drivers license after I sent in the required information to freeze my credit report. I will not subject myself or my private information again through mail. I'm putting my identity at risk for theft. I already had asked and once again I'm requesting for Clarity Services to freeze my credit report. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] I request to have my account frozen. I will not and I repeat will not send my Social Security in the mail like before.
Product: Mortgage

I have attempted to apply for mortgage assistance with Chase several times since my Ch XXXX bankruptcy and each time I applied they gave me the only option to short sale the property or complete a deed in lieu of foreclosure. They had a realtor come look and take pics of the property in preparation of a short sale. I have been in this process since XX/XX/XXXX. I had an offer right away was almost at closing when Chase closed my file reopened the file only for the potential buyer to walk away. We had to start the process all over again with a new potential buyer willing to give fair market asking price of {$85000.00}. Chase continued to have my realtor sign papers and had the documents forwarded to the buyer all the way up until XX/XX/XXXX. Chase failed to request a postponement of the foreclosure date. When I called ChaseXX/XX/XXXXthey informed me the House was now in active foreclosure and that they tried to request a postponement with XXXX XXXX the investor and their attorney office but they denied the short sale which doesnt make sense to keep asking for documents for the short sale up until XX/XX/XXXX. I contacted XXXX XXXX Attorneys office and they informed me that Chase did not reach out to them for postponement. Im very upset because I complied with everything Chase was asking of me and to allow my home to be foreclosed on, the potential buyer who was so patient in this drawn out process now has no deal to close on. From the very beginning Chase nor the Investor XXXX XXXX has not been helpful in this matter at all.
Product: Debt collection

Fully paid the account of back in XXXX of 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXXXXXX Balance : {$80.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$650.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Names : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax Name : XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Collecons : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX sent the Bank of America for a credit of XXXX $ to my credi card. I THAN WANED THE BANK TO send the credit to my money savings account. In stead they sent my money to someone else. They have not fixed this as of today.We want our XXXX $ back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This student loan has a Max Delinquency date of XX/XX/XXXX and the account was closed and transferred to a collection agency as of XX/XX/XXXX. Per the FCRA, this account due to being a private student loan should have been removed from my credit XX/XX/XXXX at the earliest and definitely by XX/XX/XXXX. As of today, XX/XX/XXXX, the account has not been removed form my credit. We are outside the allotted 7 years that this debt is allowed on my credit per the FCRA. 
This was a loan that I co-signed for my brother when he was in school. I have only even had one student loan in which i have never missed a payment on. Below I have attached proof of the date of collection for the original account and the collection account with fees being added to it.
Product: Credit reporting or other personal consumer reports

I have listed on my credit report a bankruptcy XXXX  XXXX that was filed XX/XX/year>. I have reached out to LexisNexis who reports to XXXX their information and XXXX reports it on my credit report. However, LexisNexis sent me a letter stating that they DO NOT have a bankruptcy in their records for me. I also disputed it with XXXX multiple times and returned VERIFIED NO CHANGE. When XXXX reports to Lexis Nexis and these two companies have NO BANKRUPTCY for me. LexisNexis filed a dispute against XXXX for reporting this in XX/XX/year>. A guy from XXXX named XXXX called me and said he was helping out a fellow colleague named, XXXX XXXX who was on my complaint. But NOTHING has been done. 

I am asking that the bankruptcy be deleted from my report. XXXX and XXXX has deleted this from my report and I do not understand why XXXX is giving me a grievance over deleting this error.
Product: Credit reporting, credit repair services, 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 USC1681. 
XXXX Account number XXXX has violated my rights to privacy and confidentiality 15 U.S.C. 1681 Section 602 A States I have rights to privacy.

15 U.S.C. 1681section 604 A Section 2 : It states a consumer reporting agency can not furnish an 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 or information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I received a check from Chase Bank dated XX/XX/XXXX ( # XXXX ) on XX/XX/XXXX. I attempted to cash the check two times at our local branch. The first time the teller advised that the account was closed, she was right, I no longer have my business. I provided ID and she said I need the account number? its not in our system. I went back for the seconded time and provided the closed account number ; the teller advised she could not cash the check from them because its over 6 months old. I was advised to call the number on the check which I did. After an hour on hold I was advised see a banker in the bank, so I called the number listed and got another recording, after an hour and listening to a computer I figured I would just go there again, I was told to call the number and make an appointment over the system? 
This is why I no longer bank with Chase, do I need too take them to small claims court over XXXX XXXX dollars and get a judgment?. Please advise. Thank you.