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

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Transunions persistent failure to remove inaccurate and unverifiable information from my credit report. Despite multiple attempts and the submission of substantial proof validating the inaccuracies, Transunion has not taken appropriate action to rectify the situation. This ongoing negligence has negatively impacted my credit score and financial well-being. I request the CFPBs intervention to ensure that Transunion promptly investigates and corrects these discrepancies in accordance with the Fair Credit Reporting Act. Your assistance in resolving this matter is highly appreciated. 



1. Accurate Reporting ( Section 1681e ) : This section outlines the responsibilities of consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports.

2. Duty to Correct and Update Information ( Section 1681i ) : This section establishes the consumers right to dispute inaccurate information and mandates that consumer reporting agencies conduct a reasonable reinvestigation to correct or remove inaccurate information. 
3. Reinvestigation of Disputed Information ( Section 1681i ( a ) ( 1 ) ( A ) ) : This subsection details the procedures that consumer reporting agencies must follow when investigating and correcting disputed information.

4. Duties of Furnishers of Information ( Section 1681s-2 ) : This section places responsibilities on entities that furnish information to consumer reporting agencies, requiring them to provide accurate and complete information and to investigate and correct any inaccuracies upon notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 

If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 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 XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance XXXX {$9700.00}.
Product: Credit card or prepaid card

" Commenity Bank '' has been calling me for the last 2 months asking for a XXXX about a " Good XXXX Rewards Card ''. 

The problem? 
1. I didn't even know Commenity Bank existed before the calls started coming in, which averages about 5 a day, Every Day, at all times during the daylight hours.

2. I'm not XXXX, nor do I know a XXXX. When I look up the name ( of course, this could be a different person ), it leads me to a doctor that died a couple years back. 
3. They call from 3 different numbers, and it's painfully obvious that the voicemails they leave are from autocallers.

4. They sent a couple texts with links, but those links lead to sketchy websites that scream " scam '' to me. 

I put " Commenity Bank '' in quotes, because I can't even be sure it's a real bank. From the research I did, this isn't a new occurence. I blocked their numbers, and they still leave me voicemails with Waiting Music and the same " Stay on the line for an important call. '' Prerecorded message. 

The 3 numbers in question they've been calling me from are XXXX, XXXX, XXXX.
Product: Checking or savings account

I was charged 3 overdraft fees of XXXX dollars each by my bank Huntington. When the transactions are placed in the chronological order of the transaction being placed then my checking account was in fact not overdrawn at any time and the account was a positive amount. 

Huntington bank refunded me XXXX dollars of the XXXX dollars I was charged. 

I am asking for the remaining XXXX dollars to be refunded to my account since my account was never overdrawn and positive. ' I have enclosed the screen shot with the accounting showing the correct chronological order of transactions and the corresponding balance.
Product: Credit reporting or other personal consumer reports

When I moved some of my persona information came to old address with my personal information Things were opened in my name and the charges were made with the card for small amounts then closed the account without any payments. I asked to see a contract I signed. Accounts open on line I didnt find out until I tried to get credit for something
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second notification to Experian informing them of my identity theft and the presence of multiple fraudulent accounts on my credit report. Despite their assertion that these accounts are verified, they have not provided any evidence that these accounts actually belong to me. This violates Federal Law which mandates that original documentation from the creditors must be on file to verify the accuracy of the reported information.

Although Experian 's initial investigation claimed that these accounts were verified, I am now requesting to know who performed this verification. As per Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I have not been provided with any original documentation, including a consumer contract with my signature. Moreover, under Section 611 ( 5 ) ( A ) of the FCRA, Experian is required to promptly delete any unverified information.

It is crucial to understand that negligent noncompliance can result in civil liability and remedies, as outlined in Section 617 of the FCRA. As a consumer who values legal recourse, I am prepared to take legal action to enforce my rights under the FCRA.
Product: Debt collection

They called my son on XX/XX/XXXX and I reached a person and stated that this was my son 's phone and not connected to the person they were attempting to contact. The lady on the phone assured me that they would remove my son 's phone number from their list. 

They have subsequently called back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and twice today XX/XX/XXXX. They are getting increasingly nasty in their comments and I do not believe my son needs to hear this and to hear their threats.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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.

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

I attempted to obtain credit cards from XXXX, XXXX, XXXX, etc. They informed me that EQUIFAX had collection items on my report. My request for credit was denied. Two of the items were placed by XXXX XXXX XXXX XXXX  XXXX XXXX. They apparently were for medical services. I was completely unaware of the collection items. XXXX XXXX are supposed to submit any claims to my health insurance company, XXXX XXXX XXXX XXXX. The amounts were for {$160.00} and {$1700.00}. They did not. I had requested reports from XXXX XXXX. Bur they reported me to EQUIFAX instead. There is also another item on the credit report that is completely unexplainable - to wit " revolving credit '' /
Product: Debt collection

Falsely identifying themselves as XXXX XXXX Representative. Not identifying self as a debt XXXX. Using robocalls. Left XXXX robotic voicemails which I still have stored on my phone : Hello this is a communication from key bridge please contact the patient care representative by dialing XXXX again our telephone number is XXXX to our hours of operation are Monday through Thursday XXXX XXXX XXXX XXXX XXXX  and Friday XXXX XXXX XXXX XXXX XXXX thank you and goodbye
Product: Checking or savings account

I contacted BB and T on roughly XX/XX/2020. In reference to atm issue. I am a 30 year XXXX. I quoted the Frank/Dodd act and the agent denied me access to supervision. Before the agent hung up on me ... With me KNOWING THE FEDERAL LAW AND QUOTING IT ... a supervisor on the corporate escalation department refused legal request for FIRST name and ID number. As I am a five year XXXX XXXX XXXX, I dont do well with a BANK LYING TO MY FACE WHEN I QUOTE FEDERAL LAW. Then on XX/XX/2020. I receive a what I would call an illiterate documented Certified letter. Although this letter was sent to my Dead Grandfather XXXX XXXX, I opened the letter to find out that they have reviewed my acct. as and I dont have millions of dollars deposited into my account. They have TAKEN RETALIATION AND CLOSED MY ACCOUNT, all with no notification, no mention of their blatant violation of us law and callous attack. I Returned their letter as it was not signed, therefore not legal. And on XX/XX/2020. I withdrew all of my funds and left XXXX to keep it active. This was a pure calculated, callous action, as obviously BBT doesnt train accurately or they just dont give a XXXX about federal law. I want retribution for their arrogance and retaliation and blantant offense on someone who knows more than theyre so called customer liar service. Please ENFORCE THE LAW. SO DO SOME DUE DILIGENCE. Listen to my recordings making LEGAL REQUESTS AND BEING DENIED BECAUSE IF EMPLOYEES dont like to lose control of a conversation, THEY VIOLATE THE LAW. DO SOMETHING PLEASE OR ADVISE WHOM I MAY SPEAK TOO. To get ACTION, not words. Thank you in advance for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reported XXXX XXXX at 55 % utilization. Deducted 12 points from credit score. This card is paid in full if used at all in 1-3 days after utilization. Balance presently is zero.
Product: Credit reporting or other personal consumer reports

My last complaint only had XXXX inquiries, this one will have Transunion and XXXX... 

Transunion inquiries : XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX VIA DEALER ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX inquiries : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  {$2500.00} Fraud Account does not belong to me XXXX XXXX XXXX {$4400.00} Fraud Account does not belong to me Navy Federal Credit union {$21000.00} Fraud Account does not belong to me Navy Federal Credit union {$13000.00} Fraud Account does not belong to me XXXX XXXX {$1600.00} Fraud Account does not belong to me XXXX XXXX XXXX {$12000.00} Fraud Account does not belong to me
Product: Money transfer, virtual currency, or money service

On Thursday XX/XX/XXXX, I received an email from Venmo stating a dispute case was opened on a transaction involving a payment of {$350.00} sent to me by my fianc on XX/XX/XXXX. The purpose of this payment was to provide me with a portion of his rent so I could then consolidate both of our halves of rent to send to our landlord rather than sending him multiple payments. I handle our bills and rent so this is something we do with nearly anything that is a shared financial responsibility. My fianc has attempted to get an explanation from Venmo, as he did not dispute the sent payment, nor did his financial institution. Venmo claimed they could not give him this information, as he should have it, and proceeded to lock his account. In regards to the alleged dispute, Venmo withdrew all funds in my account, which amounted to {$120.00} and claimed I now had a negative balance of {$220.00} which I needed to pay to unlock my account. Yesterday, XX/XX/XXXX, I called Venmo support in hopes to get some sort of explanation. The support agent XXXX was unable to tell me anything and advised that I explain my perspective of the situation to the Venmo dispute team via email. I then responded to Venmos initial email, explaining neither my fianc nor his financial institution disputed the charge and that the purpose was to collect both of our monies to pay our landlord rent, that I was not a landlord, and that this transaction shouldnt be taxable or disputed as I did not benefit from his sent payment nor was the payment fraudulent. Over the course of the day following my email, Venmo then opened 16 additional disputes on my account, which my fianc could not have done, as he has been completely locked out of his account. Without explanation to me, they closed the investigation of the initial {$350.00} payment, stating I owe the full amount, and now claim I have a negative balance of {$1700.00} and must repay them the funds. All of the disputes they have opened which total that amount are payments spanning the last 6 months which we sent by my fianc in order for us to pay rent and bills. Venmo support will not provide me with any explanation after another attempt today, nor will they assist my fianc as they say he no longer has access to his account.
Product: Credit reporting or other personal consumer reports

Inaccuracies on my report such as inquiries The only inquires that I should have is XXXX XX/XX/2023 anything else is wrong and I did not authorize.
Product: Debt collection

I have an outstanding debt from : XXXX XXXX for {$13000.00}. It appeared on/around XX/XX/2018. 

I have no knowledge of this debt. Ive requested to have this removed from my name with no response.
Product: Credit card or prepaid card

On XX/XX/2018, my authorized user purchased a visa application in the amount of {$120.00}. This was able to be cancelled and refunded since he never went through the biometric processing. I was told this would be refunded within 12 weeks ( after Wells Fargo allows disputes ). When I contacted Wells Fargo about this, they told me I was unable to dispute the purchase since it is after their internal deadline of 90 days to begin a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax gave my personal information ( social security number, name, address, etc. ) to hackers through their blatant negligence. As a XXXX XXXX, I can say with high confidence that literally any basic measures they could 've taken to prevent this were not taken. In addition, they are trying to put language in their " remedy '' to prevent people from suing them for their negligence. They are in charge of helping to determine my livelihood, whether I can buy a house, buy a car, get a job. And they ca n't be bothered to have basic security measures in place? Unacceptable. They should be held liable for any negative consequences that result from their gross negligence. The language in their terms of service attempts to prevent this. The act of trying to get people to get to agree to that document should, in and of itself, be a crime. But they have more lobbyists and lawyers than I do. So, I 'm not hopeful that even minor penalties will be imposed upon them. Regardless of their irrefutable damage to hundreds of millions of honest, hard-working Americans.
Product: Mortgage

I received a auction date for  XXXX / XXXX / XXXX . This is my primary residence I tried to do a loan modification but I was told it was incomplete. The mortgage is under my name and the a co-borrower who is also the father of my children and also the abuser. I am a victim of  XXXX   XXXX  and currently have a restraining order active, against the co-borrower The bank is requesting a quick claim deed from the abuser it has been hard for me to locate him. I am asking for a stop or postponed this date so that I cou ld get a 3rd person involved to reach the abuser and have this document signed I also have my children contributing to th e mortgage. I am asking please to give me an opportunity to resolve this matter..I have done a loan modification in  XXXX  but was denied because I failed to submit a paper from the package which I did faxed to the bank and they claim they never received it. Please help me out I strongly want to keep my residence and I know that I could make mortgage payments if approved a loan modification Thank you.
Product: Debt collection

Midwest Recovery showed up as a collection account on my credit reports collecting for a company by the name of XXXX. Midwest reported this to the credit bureaus without validating the debt with me or giving me a chance to dispute it.
Product: Debt collection

since i changed my number, i keep getting calls from portfolio recovery despite the fact that i am underage and not in debt. i keep blocking every number they call me from but they keep calling me over and over again. they wont stop and i am tired for getting over 30 notifications of them trying to call me.
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 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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
Product: Credit card or prepaid card

I opened a credit card with Bank of America XXXX XXXX, XXXX. I had an active auto pay with Bank of America on another card. 
I requested to have auto pay added to my card on XXXX XXXX, XXXX, submitted the form by mail, BofA did not process this, I requested another auto pay form on XXXX XXXX, and kept fax confirmation after sending it to XXXX. 
I called back after receiving my statement in XXXX not showing active auto pay, so I submitted a third auto pay form on XXXX XXXX. 
Bank of America sent a letter acknowledging receipt of the auto pay and successful processing on XXXX XXXX, then failed to process my payments for XXXX XXXX and XXXX XXXX, then reported me as 30 days late. I 've tried to resolve this directly with BofA to no resolution.
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX, Penn Credit Corporation called my in-laws multiple times about a debt that I personally owe. My husbands parents were given my name, date of birth, where the debt was for and the amount. I believe this is not legal.