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

Transunion consumer credit reporting agency- does not include my FICA score when an authorized vendor requests a copy of consumer credit report. this has resulted in several credit denials. 
After several calls to Transunion, I was informed that I do not have any open accounts, Although, I could request through a third party for my utilities bills or rent payments to be included in my consumer 's credit report. 
Why would anyone of intelligence, give a " third party '' access to their consumer 's credit report??? what's going on with these consumer reporting agencies? that's the very reason they exist, to manage the consumer credit reporting, now they want to farm this out to a third party, with all the fraud in the world today, this is absolutely insane. 
I worked hard to keep my credit in good standing, paid my bills on time, NO! i don't have any open revolving credit cards and I paid my car note off in XXXX. 
Although, I shouldn't be treated like a credit risk because Transunion and XXXX don't want to put forth any effort to calculate my FICA score, UNLESS I PAY AN ADDITIONAL {$24.00} per month, THIS IS CRAZY
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I tried withdrawing funds held in my PayPal account to my bank. The amount was {$64.00}. When attempting to transfer money to my bank which has already been confirmed, PayPal tells me, " XXXX XXXX XXXX We just need some additional info to confirm it's you. Please add a phone. '' I already have my phone setup for 2 Factor Authentication but when entering that number, I am told, " This type of phone number isn't supported ''. If I enter my old number, it accepts it. The problem is I don't have access to that number. The same exact issue happened on multiple browsers. Whenever I call PayPal, I am unable to speak to a live agent. Instead the automated system hangs up on me. Online support has been entirely unhelpful. They ignore my issue and use generic automated replies. Eventually an agent lied and said they would have someone call me within 48 hours. I waited but no one called. I have asked what happened but the agent has ignored me. Agents would randomly change names without explanation. The names have been XXXX, XXXX, XXXX XXXX, and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I Currently have a total of 5 accounts and three inquiries appearring on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- STUDENT ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/2006 with a balance of {$3300.00} -This is not my account.
Product: Credit card

Dear Sir or Madam, I am filing this report to let you know I am a victim of identity, someone is using my identity to open many fraudulent credit cards and Auto loans that I have no knowledge of, my wallet was stolen over 15 years ago at music in downtown XXXX, someone is redirecting my mail from the post office without my permission, I am very upset I'm going through this, I am demanding that these accounts be remove, the accounts is 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
Product: Money transfer, virtual currency, or money service

I had many charges on my account that I did not make and therefore in began a dispute with BECU in regards to the unauthorized transactions. They put my account on hold and forwarded my info to the financial crimes division. I later got a letter telling me that my case was closed and they were not responsible for reimbursing me. When I came in and asked why they told me that they had video footage of me & " my partner '' at the ATM. That's when I knew they were lying because I have never been to the ATM with my partner. So I asked to see the videos. They refused to show me anything and had security escort me off the property. When I tried to call financial crimes the caseworker was on vacation for XXXX weeks. When I'm finally did get ahold of her she said I had passed the deadline to appeal the decision. 
In my statements money was being transferred from my savings into my checking to cover overdraft fees. I remember specifically requesting not to approve overdraft protection. I did not sign any waivers approving any transfers from my savings. 
I also requested to be notified of any payments above {$100.00}. A lot of the charges were at the casino which I can prove i was no where near at any point during the months in question. There was also big calculation errors in which charges and remaining balance did not add up on my statements. There was over {$6000.00} in charges that I never authorized or notified of in a 4 month window.
Product: Credit reporting or other personal consumer reports

Credit Agencies continue to report lates on my consumer report which is in violation of U.S Code 1681b permissible purposes of consumer reports and 15 U.S Code 1666b time to make payments,,, I've asked credit agencies not to report this information per 15 U S Code 6801 reporting non public information ..Please ask credit agencies to report all lates as paid as agreed or remove these accounts immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I am also asking for validation and verification of these accounts that are being reported on my consumer report without my consent to be removed immediately.Ignoring these request means there is a willingful noncompliance in which i intend to sue for FCRA Violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please make the following corrections per FCRA LAWS and send me a updated corrected report
Product: Debt collection

Account # XXXX was never my account. It was seen on my credit report as a collection. Ive complained to Cfpb and to the credit monitoring companies. No response from no one so I paid the debt. 
I just would like the collection off of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C section 602 A. States I have the right to privacy 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish information without my written instructions.

I am writing to dispute the following information that Experian has reported to my Credit Report which is inaccurate. I am requesting that all the inaccurate information below be deleted immediately. 

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

Please remove the fraudulent information immediately from my file. I have attached all documents required by law and also directed to me by your fraud department. I also listed these laws for your convenience.
Product: Bank account or service

I deposited a check at Bank of America on XXXX/XXXX/15 after XXXX XXXX, but I did not realize the check was dated XXXX/XXXX/15. The bank bounced the check on XXXX/XXXX/15, I think the money was available on XX/XX/XXXX but they decided to reject it. I deposited a check for {$1100.00} on XX/XX/2015 and was informed there was a hold in place for {$900.00} until XXXX pm XXXX/XXXX/15 and that I was told by XXXX of bank America that {$200.00} would be available by XXXX Saturday XXXX/XXXX/15, ( see attached account history for XX/XX/XXXX ) sometime Saturday the entire amount was put on hold and the check is now on permanent hold, ( see attached bank statement ) I am not sure when it will be available, when I asked XXXX of bank America why, he said it was in the risk dept, and to call Monday, I feel Bank of America is trying to generate fees and lying to me when I try to address my account problems, I have no funds in my account, and feel I am being treated in a arbitrary and capricious manner.
Product: Credit card or prepaid card

On XX/XX/XXXX I disputed a charge in the amount of {$770.00}. 

On XX/XX/XXXX I received a letter stating our claim is in the review process. 

On XX/XX/XXXX, I received a letter stating the research has been concluded and a provisional credit has been issued to my account. The letter also states the merchant has the option to provide documentation within the next two billing cycles that the credit to me was not due. 

On XX/XX/XXXX, I still had not received the credit so I contacted the dispute department. I was told they would have this escalated for review. I received a letter dated XX/XX/XXXX. The letter stated the amount was applied to my account on XX/XX/XXXX. 

On XX/XX/XXXX I again contacted the dispute department since I still had not received the credit due. I spoke with XXXX and she again stated this would be escalated for review. 

On XX/XX/XXXX I again contacted the dispute department since I still had not received the credit. This time I spoke with XXXX. She stated this should be resolved within 5-7 business days. If not, I should call and speak with a manager. I received two letters dated XX/XX/XXXX. The day I had spoken with the dispute department. One letter stated they are opening a dispute claim and to alow them up to 90 days to complete their review. I do not understand why this letter since the dispute was started XX/XX/XXXX. The second letter stated the amount of {$770.00} was applied to my account on XX/XX/XXXX. The same letter also stated a refund check will be sent within the next 45 days for any credit balance on the account. 

Today XX/XX/XXXX I spoke with the dispute department and was transferred to the billing department. I spoke with two managers there. One by the name of XXXX and the other by the name of XXXX. Again I was told there is nothing they can do since a XXXX from the dispute department started an investigation. I to this day have still not received the credit I was due. 

I informed them I have been patient enough and would be filing a complaint. The credit card affected by the dispute was ending in XXXX. We have closed that card and were issued a new card ending in XXXX. I am mentioning this since one of the letters I will be providing as documentation has the account number ending in XXXX. The remainder of the correspondence has the new card listed ending in XXXX.
Product: Money transfer, virtual currency, or money service

Stop contacting me. Robinhood in engaged in criminal fraud that was initially exposed to me by the collapse of XXXX. I will not be paying ANY taxes until I am made whole. Stop sending me marking emails as well, and pay me the marketing btc you owe me. Send my balance to the XXXX bankruptcy XXXX. It was already returned to you by my bank for fraud after you initiated the unauthorized transfer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XX/XX/82. This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX, Equifax and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXX XXXX XXXX XXXX and a Credit card wit XXXX XXXX XXXX XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

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

On XX/XX/XXXX I opened a new customer new checking account on the promotion page of Chase bank. On that page it stated if u opened a new account and got a direct deposit set up within the first 60 days u get XXXX dollars. I got my account set up and my deposit came in 2 weeks later. I waited the 10 days it said before the promotional money would be deposited into bank account and never received it. I spoke to XXXX on the phone from customer support on the XX/XX/XXXX and he told me that it hadn't been 10 days quite yet and to wait a couple more days till XXXX. The XXXX came and went and nothing. That Saturday the XX/XX/XXXX I went into a branch in XXXX Idaho. It was XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke to a short haired woman who told me that because a coupon was not attached I would not be reviewing that money but that I could call customer support again and they should be able to attach a coupon. Minutes after I contacted customer support again and they told me unfortunately they couldn't give it to me because coupon wasn't attached. I didn't realize the coupon wasn't attached and I specifically let them know. I'm upset because like everyone else I did what I was supposed to in order to receive my promotion. I want my promotion that everyone else got. Thank you
Product: Credit card or prepaid card

there is a promotion for opening united club card if you spend XXXX in the 1st 3 months they would give you 100000 miles when I saw this promotion I applied for the card when I got approved they said I would qualify and they gave another promotion with a fee waiver s most of the united clubs are closed so I understand wavier but I was going for the promotion for the 10000 miles which Is way I applied for the card in the 1st place chase refuses to honor and I am really upset now they have a 50000 mile offer if you spend 2000 and they refuse to honor that I will include in this complaint the details of the promotion of th 100000 they refuse to honor and I want this honored I even called united and they will not do anything about it and I really upset and this is why I applied for the card in the 1st place
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person and I am a living human being. I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681 and they have violated my rights numerous times.

According to USC 1681 : I have the right to privacy and I did not give Equifax permission to furnish these accounts. 

I demand the accounts listed below be removed : 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, has violated my rights.
Product: Credit reporting

The bill was paid to a different collection company. We have spoke to ic systems and provided proof of payment of the bill and they still will not remove it from my credit report. They still request payment even after XXXX XXXX XXXX stating that there is no bill due. I spoke to XXXX to verify no bill was due and indeed no bill is due and they told me to tell I C System to prove the bill is due or remove it from my credit report and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted CRA about personal information being reported on my credit report such as social security numbers that are inaccurate and provided supporting documents and they have not deleted this information
Product: Credit card or prepaid card

I opened the XXXX XXXX XXXX account in XX/XX/XXXX with the express purpose of taking advantage of the advertised XXXX months, XXXX %, balance transfer offer. They granted a credit limit of {$9000.00} and I waited for the card. The card did not arrive as promised. So I called back to say, can I have a card and use the balance transfer option, please? At that time they said they would not allow the balance transfer but would send new cards. I said ok, how long is the offer good for? They indicated you should still have time to use the balance transfer option once you receive your new cards.
This cycle repeated several times.
I finally received the card for this account on XX/XX/XXXX. I activated my account early XX/XX/XXXX.
I did the activation and noticed that the offer was n't there. I called customer service. The initial associate and a XXXX both indicated that the promotion was only good for so long and the account was opened in XXXX. They allowed me to have a XXXX % for purchases until the end of XX/XX/XXXX and no balance transfer options were available at this time. I did n't stay on the phone only to get the same answer from a third associate. I got no solution from them. I am not allowed to transfer the balance. I have an inquiry on my credit and wasted time. I do n't want the ability to purchase on credit anymore. I am working out of that phase. I think I was scammed. I could not have possibly taken advantage of the advertised offer. You need the card to do so and the entire period of the offer I was waiting for the card to arrive. I have paid off a lot of revolving and static debt. I had approximately $ XXXX in consumer non-mortgage debt at the beginning of XX/XX/XXXX and now I have approximately $ XXXX. My credit score has fluctuated between XXXX and XXXX, where I am now. I have no student loans, car notes, home improvement notes, etc. I work and live within my means. I, unfortunately, understand this strata of consumer debt peddler a bit too well. They remind me of XXXX XXXX from XXXX XXXX, a den of XXXX and villany. Seriously, why grant XXXX % until XXXX months down the line except they know you 'll hold a balance like a life sentence? I get there is a XXXX % fee to do something like this and generally understand how credit cards work, common terms and conditions, etc. I took the offer only because I thought it would further my goals of becoming debt free with the exception of the mortgage on my home. Avoid Citibank, XXXX, and anyone the rebrand into. I think this firm has lying to you and fleecing you as part of their business strategy and standard operating procedure.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found the following fraudulent accounts on my credit profiles : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I placed a credit freeze on XXXX XXXX XXXX XXXX XXXX XXXX XXXX,. 
I filed an identity theft report with the FTC and sent it to the bureaus along with an explanation. 

The bureaus still have these fraudulent accounts on my credit profiles.