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

When I investigated my credit report, I realized that the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$19000.00}
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 XXXX XXXX XXXX. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX BANK - XXXX - CLOSED - XXXX - XX/XX/2021 XXXX BANK - XXXX - CLOSED - XXXX - XX/XX/2021 XXXX BANK - XXXX - CLOSED - XXXX - XX/XX/2021 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 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has caused me physical, mental & financial anguish by violating my rights as a consumer. Transunion reports serious delinquent payments with company XXXX on my credit report for the dates ranging from year XXXX, which is incorrect. I have tried numerous times to resolve this matter with Transunion to no avail. Transunion is in violation, and must acknowledge law- - [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. 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. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) 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. 
-15 U.S.C. 1681s-2 ( a ) ]. Responsibilities of furnishers of information to consumer reporting agencies. ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to a consumer reporting agency if a person knows or has reasonable cause to believe the information is inaccurate. [ 15 U.S.C. 1681s-2 ( a ) 1 ] ( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commis- sion may commence a civil action to recover a civil penalty in a district court of the United States against any person that 72 violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 
Thats just to name a few laws violations against me by Transunion. 
Transunion must remove these inaccurate, inconsistencies immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/year> company sent customer a email. The email subject was to open your account addresed to legal name. The website has a membership ID of an invalid name associated to customer 's birth-given name that is legally 3 letters long and stands for something. The membership ID is under false pretense of a single letter name & stands for nothing taken from clear signature in social security number to sabotage customer. 
Apon entering set-up for account the website did not welcome me by the same name titled in email. The web administrator changed birth-given name from legal 3 letter name of social security number signature to the false pretense of a one letter name that stands for nothing with visible name error of a lower case letter after space. The administrator applied XXXX military person commands to civilian XXXX person 's birth-given name that is legally 3 letters and stands for something to sabotage customer whom is a civillian clear XXXX person issued by state a perfect credit file.
Product: Credit card

On XX/XX/year> at XXXX PM I had at first received a phone call then was left a voicemail from " bank x ''. Hi, this message is for [ MY NAME ]. This is [ AGENT ] calling from capital one please call us back at your earliest convenience. You can reach us XXXX XXXX at XXXX. Thank you and have a great day I believe I called the very next day asking why ALL my credit cards were restricted. I was told it was because of the new one I had apply for and they needed " proof of income '' basically... and I needed to send in bank statements. The first time I sent in paystubs and a bank statement from there bank. 

On the XXXX I was told those were the wrong ones and I needed to send documents from an " external bank account '' I thought that was weird because why would you just want an external bank account as proof of income? Anyways. I had apparently only sent XXXX of the XXXX documents that they had wanted. And the agent called me back that very day and asked if I could send the last document and I did.

I was told 2 things in this call. 1 ) I would receive back. 2 ) the maximum of time it would be would be 10 days. 

Now fast forward, I had call them at least 3 more times asking what's going on. And now they send me 5 pieces of mail telling me they CLOSED all 5 accounts because " I don't make enough ''? That's what im getting. But to me that does not add up? Closing the newest card yes. But closing the rest..? Not so much? Not one late payment not one overdraft fee nothing that shows im living " above my means ''.

I had never received a any phone call yet my cards were all closed a week ago? No one can give me an answer to why they closed all the accounts instead of the newest one?

They were the ones that sent me the email for the NEW credit card that I had applied for and was approved for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with XXXX XXXX XXXX XXXX in XXXX of XXXX for my new XXXX XXXX XXXX which matured after paying on time for 6 years. On a Sunday morning, XXXX of XXXX after my account showed that it had matured, XXXX XXXX sent a repossession tow truck to come get my vehicle stating that I still had a balance on a loan that was paid off and took my vehicle. I did pay whatever I owed which was late fees to get my vehicle back and now XXXX XXXX and all three credit bureaus are reporting my vehicle as a repossession which is now causing me to not be able to obtain credit on another vehicle. I did owe some late fees in which I had all intensions of paying, however, this doesn't justify a repossession on late fees. I need this investigated as I am now frustrated with the damage that it is causing to my credit as well as trying to resolve it on my own and calling XXXX XXXX XXXX XXXX and getting nowhere and being continuously hung up on.
Product: Credit reporting or other personal consumer reports

THIS IS MY XXXX TIME REQUESTING THEM TO DELETE THE INFORMATION FROM MY CREDIT REPORT. I NEVER GAVE XXXX PERMISSION TO SHARE MY PERSONAL INFORMATION WITH ANY THIRD PARTY AGENCIES. THEY HAVE VIOLATED MY RIGHTS UNDER XXXX, XXXX CFR XXXX ; XXXX XXXX XXXX ; AND XXXX XXXX XXXX AND I AM REQUESTING THEM TO DELETE THE INFORMATION AND SEND ME COMPENSATION FOR THE VIOLATION.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a travel rewards credit card through Bank of America online. On XX/XX/XXXX, I received email confirmation that my card application was approved from an email from Bank of America and that my credit card would arrive in 7-10 days. During the week of XX/XX/XXXX, I received a mailed letter from Bank of America that my application looked fraudulent and that I needed to verify my identity. After calling their hotline, I was referred to have to go to an in-person location to have my identity verified with two forms on ID. The closest physical location being approximately XXXX miles away ( XXXX ) from my home. 
On XX/XX/XXXX, I went to the XXXX, Indiana Bank of America location to be verified in person. At this appointment, I was told my account was verified and that my credit card was in the process of being mailed to me and should arrive no later than the XXXX. The card did not arrive before the XXXX, and I was out of country from the XXXX with my mail being collected by my family. The card was not in the mail during these dates. 
On XX/XX/XXXX, I emailed the banker that I met with on the XXXX requesting the account be closed. I had to email him a second time on XX/XX/XXXX to receive any follow up correspondence regarding my request. On XX/XX/XXXX, I was on the phone with the credit card hotline through Bank of America. I was informed that they could not verify my account because I only had 1 phone number and no account number to provide, and that I would need to drive into an in-person location a second time to verify my account. 
On XX/XX/XXXX, I received a letter from Bank of America ( dated for XX/XX/XXXX ) that my credit card application had been approved and that this credit card would arrive in 2 weeks. I again attempted to cancel my account ( now having the last four digits of my account number ). During this call, I was informed that my account had not been verified on XX/XX/XXXX when I drove to XXXX, IN from XXXX XXXX, IN. I was again informed that the only resolution was to verify my account ( with 2 forms of ID in person at a physical location, approximately XXXX miles away ) for the account to be closed. 

It has been over a month since I initially applied for the Bank of America Travel Rewards credit card. I am being asked to drive over 400 miles in order to verify my account ( as the first time I visited on XXXX, my account was not verified and they are requiring a second physical location visit to verify that I am trying to close my account ). I have received two difference dates of correspondence ( email on XX/XX/XXXX and mailed letter dated XX/XX/XXXX ) that I was approved for a credit card that I have yet to receive. I am unable to close this account after multiple attempts due to mistakes made on the end of Bank of America ( not verifying my account after the XX/XX/XXXX in-person verification, card not being sent in a timely manner after initial request ). At this time, I want this account closed.
Product: Checking or savings account

I received several emails from Chime saying that I had opened an account and a new debit card was on it's way. Problem is, I have never heard of Chime before and I did not open this account. Upon further research it appears as though Chime may be fraudulently opening these accounts. See the XXXX article below. This is the exact same thing that happened to me. I put a fraud alert on account with the credit bureaus and contacted chime and had them close my account, only after they asked for some personal identifiable information first. I did not provide my SSN but confirmed my home address, name, and birthdate. 

Please look into Chime. 

XXXX XXXX XXXX? XXXX XXXX XXXX
Product: Debt collection

In XXXX i was getting weird orders of things i did not order i returned them back to XXXX XXXX then up too the middle of XX/XX/XXXX .they was told too close the account around the end of XXXX they did not.instead i found out they did not close it til XX/XX/XXXX, therefore charging me 19.5 percent interest for 2 years accrued too card .also many of items where returned but i never got credit for returns, they then transferred too a 3rd party, trans world systems inc.they say i owe them XXXX, and XXXX XXXX says XXXX in other words different from amount, i have complained too XXXX XXXX that the charges was wrong fraud. i pleaded for someone too investigate, but nothing, now trans world after 6 months today have taking over 4000 dollars from now and still garnishing check and charging interest got smart with me and said i should have known what i was signing for 19.5 percent interest. please help me to recover my money and stop trans world and XXXX XXXX stop they practicing on military veterans I have contact them they claim they sent forms but i never receive them i told XXXX XXXX that i disputed the charges and never heard from them either and when they did start garnishing check i never received any thing to dispute such charges
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt collector has impacted my credit score by making falsifed debt collection. Here is infomation about this company, XXXX XXXX MCA MANAGEMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX. This company has been calling and texting me nonstop for weeks, harrassing and threating me with text messages. When I tried to call them back using XXXX XXXX XXXX XXXX XXXX XXXX, they ingored and hung up. They are very rude and bully. I will not answer their calls because I can not commuicate over the phone with XXXX, XXXX XXXX  and so is my wife. Also this debt was over XXXX XXXX XXXX and I have talked to that medical company and they made a mistake and they still refused to correct their mistake since the balance was already paid off 4 years ago, they still send me a bill 4 years later and I refused to pay for it. This is unacceptable and I have very good credit record. Being XXXX  is very difficult for me to commuicate with these people. I believe this should be waived and removed but both of them have pushed this negative report credit on my credit report. I have copied and paste below here from XXXX Credit Report. 

Updated : XX/XX/2023 Back to Credit Summary Accounts With a Negative Pay Status LENDER TYPE BALANCE XXXX XXXX XXXX XXXX Other {$72.00} Status Date Reported XX/XX/2023 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX XXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 0 Years, 4 Months Credit Limit Not Reported Highest Balance {$72.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX Remarks Placed for collection.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company, or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 
ACCOUNTS : XXXX BANK XXXX, XXXX XXXX XXXX BANK XXXX, XXXX BANK XXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX CT CA XXXX AN XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute back in XXXX and again on XX/XX/2022, asking Transunion to reinvestigate reporting errors on my consumer report. Both times they have sent me back a letter stating that THEY believe there is a third-party credit repair company working on my credit when in fact that is not true. Both times they have ignored my request to investigate and now they are willfully ignoring my request to process my disputes and they are violating the FCRA.
Product: Student loan

I called XXXX student loans which I was with originally. Since I had my student loan with XXXX since XX/XX/XXXX. I had three deferments showing hardship from being out of work and collecting government assistance. So XX/XX/XXXX I called XXXX because I received letter that I was due to start making payments. I called to let XXXX know that I would have to do another deferment because I 'm not working. I spoke to a women named XXXX. which just so happened to be a debt advisor she told me I should try the student loan forgiveness program where I make one-time payment of {$240.00} or so, and I would n't have to start making payments until I reach {$XXXX} a year. When I called I explained to her that I 'm calling XXXX XXXX to do deferment. My loan with XXXX is less than {$8000.00}, my loan was in good standing I only had one loan out, not like I had 4 loans out it was n't that serious for me to be switched to XXXX which my loan was increased by the way come to find out. I received a voicemail XX/XX/XXXX @ XXXX from a women named XXXX XXXX with Student debt advisor ( voicemail was unprofessional ) told me another payment was due if I did n't pay my account would be messed up. According to my knowledge it was a one-time payment and I did n't give her permission to automatically debit my bank card. XXXX insisted I look through disclaimer which she walked me through and sign and collect payment to get everything started, she also stated that they would most likely need a XXXX from XX/XX/XXXX showing what I made or if I did n't everything will have to be resubmitted if not returned in timely manner, which I failed to do because I felt like I was scammed. I was confused to who this XXXX person was and what are they, I have no knowledge when it comes to student 's loans which is why I wanted to stay with XXXX when I spoke to XXXX I thought she was affiliated with XXXX. If I did happen to call them by error, why did n't XXXX just say I had the wrong number and being that I am not working so that {$240.00} would n't have worked for you anyway if she knew her job and the peo0ple she would 've have determined that, I also understand people have a job to do and a quota to meet by playing people. I got scammed and I know from what I was told about their disclaimer which I was aware of is that they are their own company, they must be stopped they should 've not intervened. That loan that is open should now be disputed, because now everything is unclear to me. I was n't in debt to begin with nothing was pending or going into collections.
Product: Checking or savings account

On the morning of XX/XX/2023, at XXXX am, I was alarmed to discover multiple unauthorized XXXX transactions within my US bank account. Promptly, I reached out to the bank as soon as they commenced their business hours to report the incident, clearly communicating that my account had been compromised. 

The bank initiated the process of closing my account ; however, during the time I spent on the phone with them, more XXXX transactions occurred, amounting to a total of {$3000.00}. Understandably, this left me greatly distressed by the situation. 

I diligently proceeded to follow the bank 's prescribed protocol for reporting the fraudulent activities. They offered to close my account and provided instructions for obtaining a new debit card and a fresh account. Regrettably, I found myself unable to access not only my account but also the funds directly deposited from paychecks the following week. 

Today, on XX/XX/XXXX, I was deeply disheartened to receive six letters notifying me that the investigation had concluded and all my claims of fraud were denied. This news left me physically shaken and overwhelmed with frustration, as it seemed that the bank was unjustly treating me as if I had intentionally initiated these transactions. It was profoundly disappointing to receive no protection or assistance, only denial, from the bank. 

Upon conducting some research, I discovered that this type of fraud is alarmingly common, with banks frequently denying such claims, resulting in nearly {$6.00} XXXX in denials annually. This revelation has left me thoroughly disheartened, and I am now in urgent need of assistance to resolve this matter. 

Over the past two weeks, I have dedicated approximately XXXX hours to phone calls with US Bank, all to no avail. Consequently, I am now in the process of filing a report on XXXX and seeking legal assistance. 

In the event that my case is unjustly denied, I am prepared to take this matter to the media to bring attention to the injustices perpetrated by banks. I sincerely hope that you may find my case compelling, and I am immensely grateful for your consideration and support. 

Sincerely, XXXX XXXX
Product: Mortgage

My refinance started in XX/XX/2015 with Carrington Mortgage. Around XX/XX/XXXX I called them for status update on the refi, processor said my VA was not XXXX percent entitlement. after XXXX calls to the VA, VA called Carrington mortgage and explain that it was XXXX percent entitlement so they said I could close XXXX XXXX 2015, nope then they said XXXX XXXX cause everything had to be redone. NOPE so then they said everything was redone because it took so long and that I would close XXXX XXXX,, NOPE I called, told then Im about to lose my interest rate so he emails me back said he was applying to extend my interest rate tomorrow XXXX which I was suppose to close on XXXX XXXX, Im am so fed up with Carrington Mortgage. Still no closing date makes no sense to me they are the worst company I have every dealt with in my life. Still no resolution. In XX/XX/XXXX I called their boss and he basically told me if I did n't like it I could take my refi somewhere else. The incompetency at this level phenomenally mind boggling.
Product: Credit card or prepaid card

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This company is currently showing 30 days late ( XX/XX/XXXX and XX/XX/XXXX ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE WORK NUMBER WILL NOT PUT A SECURITY FREEZE ON MY FILE, OR REMOVE EMPLOYERS OR EMPLOYEE ADDRESSES AND EMPLOYEE NAME. 
THE WORK NUMBER MUST HAVE A MIX FILE.I HAVE TRIED CALLING THEM