23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Unauthorized eft transactions, numerous amounts that were illegal denied and not properly documented and not properly investigated. And Ive reported them to the cfpb before and not only have nothing been done, but now theres more cases with exact same company that I started having these issues with back in XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... When I investigated my credit report, I realized that some of the information was erroneous. The Transunion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, please investigate the unverifiable item/accounts/information below:XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a dispute to Transunions website for an account to be removed from my credit history, which I had submitted additional documentation showing that the original creditor of the account had canceled the debt. The other 2 major credit bureaus have since removed this account from my credit profile. However, I was supposed to receive the results from Transunion and upon calling them on XX/XX/2020, they have told me they never in fact received my dispute submission. I was also told that this occurred because I had a free account, which is illegal for me to be charged to make a dispute regarding anything on my credit report. I was told that I could resubmit another dispute, which is wrong to have to wait another 30 days, then they told me I could send my dispute via mail. Which I have an issue with because electronic submission is supposed to cut out the incidence and of your information being lost or not received.
Product: Checking or savings account

I'm more than one occasion I have put money in Chase Bank on my checking account a large deposit and the money has disappeared I know I haven't paid it because I was saving that money but the bank shows that I was they took that money some have them kind of way and I know it's in the house I want to point the finger but I am concerned the person that sent my account up seem to come from another bank and therefore it has access to my information. So I switch Banks to Chase from XXXX XXXX XXXX because I had a social security going in and all of a sudden XXXX XXXX  XXXX dollars disappeared I added it up and I know because all I had was Social Security going in so then I go to XXXX and they claim that I had I spent my money I do not spend {$3000.00} a month except the fact that I was using XXXX and left to get back and forth to work I had {$2500.00} that I had not touched and even when I was using XXXX and I had like XXXX XXXX  XXXX XXXX in my savings account with XXXX this money did not just disappear so I added it up it comes out about a {$5500.00} to {$6000.00} that just disappeared out of my account that I did not spend and recently I just went to the bank yet on Saturday and XXXX XXXX XXXX XXXX and I had charges for {$96.00} and which I had canceled the account and I still had charges and I had XXXX {$9.00} charger and no XXXX charges should have been on there at the same time even if I had joined some Club and they said that these charges have been on there recently well I did not I have the printout I've been checking my account it's just about every week and I'm not going to say I do it everyday but I was checking it every other day to check and see where my money was going and money was being dispersed somewhere it wasn't showing up in my account and it wasn't showing that I had taken it out but it was gone and they claimed I was spending $ over {$3000.00} a month I did some printouts and I'm pretty sure that and this started last year around about the time I switched jobs all right before I switched banks but this money kept disappearing my money, I put a dollar account and I never saw the money sorry I mean I put a {$2900.00} check and never saw the money, sorry I'm trying to use XXXX XXXX  and some of the words are not going in exactly the right way, but I am saying that I was depositing over {$1000.00} every XXXX weeks and money just kept disappearing. This was Chase Bank XXXX Kentucky XXXX XXXX
Product: Debt collection

XXXX XXXX VIA transferred an account, that they claimed belonged to me, to a company called Portfolio Recovery. I have asked them to provide me with proof of my debt and they have not provided me with any proof. XXXX XXXX has been debiting my account of {$5.00} and have yet to provide me information on the debt. 

The amount of {$5.00} will no longer be taken from my account as I will be closing the account TODAY. 

There are multiple fraudulent activities on my account and this company has obtained my information without my permission and has NOT provided ANY evidence that this debt is owed by me.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

NOLL COLLECTION SERVICE AMOUNT : {$89.00} This is what I'm requesting for debt validation : I'm requesting the chain of custody for this account and pursuant to the Freedom of Information Act, I'm requesting all of the accounting for this account, public and private in accordance to XXXX. You have 14 days to supply this information or delete this trade line from my consumer report before and pursue litigation against you for violations of the FDCPA.
Product: Debt collection

On XX/XX/XXXX a lady named XXXX XXXX employed by Direct Management called my cell phone for collection of a debt that I have repeatedly reported as not owed. I had no balance due on my dental account when I changed dental facilities. On XX/XX/XXXX, she proceeded to recite my confidential dental records and threatened to forward them to my coworkers. She also threatened legal action. She is very harassing and intent that this is a valid debt. I have repeatedly asked for her not to contact me again as she is rude, pushy, and down right insulting in the manner of which she speaks with people. The debt she is attempting to collect is less than {$500.00}, our house hold income is nearly {$200000.00} per year so the ability to pay is not in question. It is a debt I do not owe. I have reported her HIPPA violations separately as she should not have access to my confidential medical records nor should she threaten to expose them to my coworkers.
Product: Debt collection

I have tried to get the company to give me verification or verify the debt no response destroy my credit report and ruining my life! I'm going to take legal action I have mupitle accounts report on my credit one for XXXX dollars I have been told to XXXX off refuse to follow the fcra super bad company I need this accounts removed at once have been a victim of id theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  & XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX & XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine. In addition to child support they are also reporting XXXX XXXX/XXXX XXXX XXXX and XXXX XXXX XXXX XXXX invalidly I have no contract with these creditors, these accounts are unverified and not mine so are reporting invaliding as well.
Product: Student loan

Under the XXXX Administration back in XX/XX/year>, my student loan was forgiven. All my loans were consolidated under one account and Navient is still showing on my credit report. I would like the whole account removed from my credit report if I owe XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX in XXXX to multiple different countries as well as in XXXX. 
I missed payments during both of these events due to fraudulent activity. I had to change banks at one point. I was impacted by a work injury that made me legally not able XXXX XXXX. Which made my wife quit her job to assist me. My family and I were even more so greatly impacted by XXXX XXXX which yet again impacted our income futher. I informed capital one of all of this, giving all the supporting documents they could need. They have denied my request 3 times.
Product: Credit reporting or other personal consumer reports

Delete Inaccurate personal Information, Reached out to Equifax XX/XX/2024 & XX/XX/2024 & XX/XX/2024 sent out proof of Identity
Product: Credit card or prepaid card

Step 1. What is the complaint about? 
This complaint is about fraudulent charges applied to my Bank Americard Travel Rewards Visa Signature credit card # ending in XXXX in earlyXX/XX/XXXX. 

Step 2. What type of problem are you having? My credit card company contacted me immediately after several fraudulent charges were posted in rapid succession to my account on XXXX XXXX and XXXX, XXXX. The company must have suspected that the charges were fraudulent because of the rapidity of postings, which was different to my pattern of use of this credit card ( Exhibit 1, 7 pages available ), and the fact that the charges were made in stores that I do not visit, like pawn shops and meat and fish outlets ( Exhibit 2, 2 pages, available ). 

In response to my credit card companys suspicion, I confirmed that the charges to my account were not made by me and that they were fraudulent. I then received a letter dated XX/XX/XXXX from the credit card company, stating that it is giving me a temporary credit for the {$2700.00} charges listed to my account ( Exhibit 3, available ). The temporary credit should actually have excluded two charges for {$85.00} and {$79.00} that I made at XXXX, which were posted onXX/XX/XXXX and which led to the cascade of fraudulent charges ( Exhibit 2 ).
The above letter ( Exhibit 3 ) also said that if further research indicated that the transactions are valid, the temporary credit to my account would be reversed. I was confident that the credit would not be reversed, because it was the credit card company that first suspected and took action against the fraud even before I knew of it. Therefore, I did not expect the next letter from my credit card company ( Exhibit 4, available ), which I read on  XX/XX/XXXX, after I returned from a long stay abroad. That letter which was datedXX/XX/XXXX, indicated that the chip on your card was read for this transaction ( Exhibit 4 ). In addition, it stated that your PIN may have been entered or your signature obtained. Yes, the chip on my card was read and my signature was obtained for the XXXX transactions. However, the above statements falsely assume that the fraudulent amounts charged to my account after the XXXX transactions were the result of transactions with a single vendor. The fact however, is that these fraudulent charges were applied to my account in rapid succession at no less than thirteen different sales points ( Exhibit 2 ).
Step 3 What happened? After returning from abroad I phoned my credit  card company to explain what I have said before and to refute its decision. My explanation appears to have fallen on deaf ears, because on XX/XX/XXXX I received a letter from my credit card company rejecting my explanation and refusing to change its decision ( Exhibit 5, available ).
Given the above facts, I request the Consumer Financial Protection Bureau to help me recover {$2600.00} ( i.e. less than the two GameStop Charges ) from the Bank Americard Travel Rewards Visa Signature credit card company. Thank you. 

Note : Exhibits are attached
Product: Checking or savings account

I was given a debit card I never asked for by Paypal. I think someone might have opened an account in my name. Paypal said they couldn't do anything without the debit card number. I shredded the card already though. 

I already had to close a credit account someone opened in my name with Paypal in the past. Even after Paypal closed the fraudulent account and knew the account wasn't mine they sent a collection agency after me and I had to tell the collection agency I never opened the account. 

Very frustrating that after I have already had one fraudulent account opened in my name Paypal is doing nothing to prevent it from happening again.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
XXXX Facts : XXXX is aware and has proof in the attachment labeled as XXXX XXXX 
XXXX XXXX Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by ( XXXX ) Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in XXXX XXXX are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Going on two years of trying to get one item corrected that has been verified by everyone but Experian. Experian is not putting any effort into making contact with the credit card company, who has repeatedly stated it is it Experian issue and not theirs. Even with a Experian representative on the phone they would not allow me to put the credit card company on the phone for verification. I have mailed the requested documents. 
This is causing enormous unneeded stress.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was scammed out of {$100.00} & {$50.00} for a deposit on a home. I was told the only way I could get my money back was it they returned it. They blocked me instead so I can't ask for a return
Product: Mortgage

I have been trying to work with my lender for several months now and still no luck in getting any help. 

I have sent their document request for proof of hardship over 4 times to their email they provided for documents and all of sudden they are not getting anything. My XXXX XXXX has been calling them every 4-5 days trying to confirm they received but no luck. ( XXXX ) I have been denied over 3 times now because they said they never got a complete packet and all because they continue to misplace my documents. I am just looking to save my home and hope this will get clear this whole run around.
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 Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 supposed to modify accounts that aren't reporting correctly.

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: Money transfers

PayPal put hold on my payment {$60.00} that I paid for a participation in a tennis tournament. I called them and they said that they will release money within 24 hours but they did not do it. There is a deadline for registration soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX XXXX credit card today XX/XX/2020and I was not approved. I was confused as to why I didn't get approved since I have a great credit history. I looked through my credit report and I saw several accounts and inquiries on my report that are not mine. I did not open any of those accounts and after making some phone calls I found out that those accounts were opened by a person named XXXX XXXX without my permission. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any purchases nor did I make any payments towards any account. I have already filed a police report regarding this matter.
Product: Checking or savings account

ATM toon my check but didnt deposit it into my bank account
Product: Debt collection

Account Name : OPORTUN/PROGRESO FINAN Account Number : XXXX Date Opened : XX/XX/2019 Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found some inaccuracies on my credit report ( collection accounts ) and reached out to all 3 credit bureaus. XXXX  investigated and removed the inaccurate accounts. XXXX  and Experian claimed they investigated and updated the information when it was clearly inaccurate. On XX/XX/XXXX XXXX  investigated and removed XXXX XXXX XXXX, XXXX XXXX, and Credit Coll collection accounts that did not belong to me. I even sent proof to Experian and XXXX  that the accounts were properly investigated and deleted by XXXX. Furthermore, I sent letters to XXXX  and Experian on XX/XX/XXXX to provide me with the info they used during their investigation and my letters were ignored. I still havent received any correspondence from either credit Bureau ( I thought they had 30 days to take care of this )
Product: Debt collection

Upon carefully examining my latest credit report, I identified several accounts that I suspect are incorrect and were added without my awareness.