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

This is unacceptable and Transunion needs to be shut down!! 

I am a victim of Identity Theft as my Social Security number was found linked to another name and address and my info has been found in numerous data breaches that began in XX/XX/2022 and is still ongoing. 

I have REPEATEDLY sent in all documents requested, with official FTC reports and police reports, and specially noting the error on my report- they have XXXX  refused to delete XXXX hard inquiries that I did not authorize that were directly related to the Identity Theft. 
I have requested these be removed by mail, by phone, and XXXX previous CFPB complaints that were filed on XXXX, XXXX, XXXX, XXXX with XXXX in XXXX Department, on XXXX when XXXX in XXXX Department XXXX  hung up on me as i was explaining again Identity Theft victim, and XXXX with XXXX XXXX XXXX Department. 
THIS IS XXXX  TIMES I MADE THIS REQUEST AND TRANSUNION XXXX  REFUSED IT EVERY TIME AS I ALSO PROVIDED REQUESTED DOCUMENTATION EACH TIME. 

I am once again including the XXXX FTC Identity Theft Affidavit for your convenience. I am making XXXX last attempt to allow TransUnion to correct my credit file before I begin contacting the Attorney General offie and legal counsel as this incorrect information is affecting me obtaining residence. 

There are XXXX hard inquiries on my Transunion Credit Report with File Number XXXX that I pulled today on XXXX that need to be immediately removed as I did not authorize either of these are listed below : XXXX ) XXXXXXXX  REQUESTED XXXX XXXX XXXX ) XXXX XXXX via XXXX BANK REQUESTED ON XXXX Please mail an updated copy of my credit report to my mailing address on file.
Product: Credit card or prepaid card

I opened a CFPB complaint previously, it was closed today. The response letter I received for my complaint was for a different customer, with a different issue. ( See attached ). 

My issue remains unresolved. XXXX from the XXXX office called me last XXXX to inform me XXXX ) that she would not be calling to update me any longer XXXX ) they know a credit needs to be issued, but informs me it will be issued on their remediation timeline. 
XXXX ) they forced me to make a minimum payment beyond what my accurate balance is in order to prevent the account from going delinquent. They refused to adjust the balance to the correct valance, or the minimum payment. 
XXXX ) that i would need to continue to pay any over-inflated minimum payment until they decide to resolve the matter XXXX ) they were closing the complaint because of their needed deadline, even though the matter is not resovled in any way, shape or form ... and now they have the nerve to send me the response of another customer, with his personal information of name, address, checking account details, etc. 

Barclays clearly has no controls in place what-so-ever. They refuse to comply with the law or handle billing disputes for duplicate balance transfers.
Product: Credit reporting or other personal consumer reports

I am writing because. Transunion is in violation of their code of ethics regarding credit reporting. I am a victim of Identity Theft. I have tried to send all the information and have also tried calling them. Their computer system hangs up when including multiple disputes. Their answering system says that due to high call they can not answer. Then they put me on hold which took more than two hours to get someone via text messaging. I am very upset. I can not send my dispute to this company which only cares about reporting people instead of trying to show correct data and not have thier information stolen. They have wrong information that must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX all accounts, XXXXXXXX XXXX XXXX all accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX. All accounts has violated my rights according to 15usc1681 602 and 15usc1681 604a .I have a right to privacy and a consumer reporting agency can not furnish my accounts without my written instructions.
Product: Money transfer, virtual currency, or money service

Dear CFPB, I am sending this email in regards to a dispute against the company Coinbase.com - in a last resort attempt, to receive assistance to my hostage held portfolio. On numerous occasions, I have attempted to communicate with Coinbase via their phone lines- which just goes round and round in loop-cycles advising you to email support. 

Email support has been emailed over a handful of times, with ZERO communication back. While I understand investigations take their time, I also understand how racketing is performed and right now it's not looking ethical. Hundreds of individuals online are in the same situation as I am - and nothing gets done. 

If this situation is not internally resolved within an appropriate timeframe, I have no other choice but to go through XXXX and use all my resources to get to the bottom of this. XXXX XXXX XXXX ( XXXX : XXXX ) can also have a piece of this given the jurisdiction. 

On numerous occasions, I have always complied with any requests Coinbase had. I have verified my identity in full under the updated KYC procedures. I have security enabled and never violated any terms of service - simply ignored for months on months. 

I demand Coinbase provide clarification on why they have held my account hostage for over 6 months without any communication to justify holding my {$8000.00}
Product: Debt collection

I am writing to report a case of identity theft and fraud involving my Social Security number. Recently, I discovered that someone had opened a phone account in my name without my authorization. 

Type of incident : Identity theft and fraud Account information : Phone account opened in my name without my permission. 
Actions Taken : Filed a police report with [ XXXX XXXX Police Department ] [ XX/XX/2024 ] ( Report # : [ XXXX ] Contactedthe credit bureaus Request for Assistance : 1.Investigating this incident and taking appropriate action against [ TrueAccord ] for their role in allowing this identity theft to occur. 
2.Providing guidance on how to clear my credit report of this fraudulent activity. 

Relevant Codes and Laws : 18 U.S.C. 1028 : Identity Theft and Assumption Deterrence Act 15 U.S.C. 1681 : Fair Credit Reporting Act FTC Guidelines on Identity Theft I have no knowledge of any contacts in my name from this company. Neither do I owe anyone money from a contract
Product: Credit card or prepaid card

Capital one was just put on my credit for a inquiry I been had the app. So I went to login it tells me my personal information doesnt match. How could I apply if my ssn name doesnt match
Product: Credit reporting, credit repair services, or other personal consumer reports

My services Shellpoint mortgage is not reporting my monthly payments the southern district bankruptcy court does not do reaffirmations Shellpoint says I need an affirmation to report my payments to the credit agencys
Product: Credit reporting or other personal consumer reports

Tonight, I discovered incorrect accounts on my credit report, and Im baffled as to why. I review my report regularly, but this time, there were random discrepancies. I tried refreshing my browser in case it was a technical error, but nothing changed. Now, Im asking that the documents I provided be carefully examined to ensure I never have to deal with this XXXX again.
Product: Checking or savings account

I just received a call on my phone XXXX registered to XXXX XXXX XXXX XX/XX/year> XXXX and the name on the account XXXX so. Body can touch the account I made it online through my mobile phone no other way the address on file XXXXXXXX XXXX XXXX XXXX gaXXXX XXXX XXXX they scamming touchin bank accounts calling me asking to upload my identification identity theyre illegally red tricking accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple letters dating back to XXXX XXXX, to investigate multiple items on my credit report that are inaccurate. The companies in question had ample enough time to investigate the items on the credit report. I have yet to here from them with any information pertaining to my dispute or the investigation status. I ask that the items in question are removed from my credit report as this has caused stress and hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have done NOTHING to correct the erroneous accounts on my Credit Report and continued reporting these accounts without proper verification. I am frustrated by the Credit Bureaus ' actions and negligence regarding this matter. They do not take this matter as serious as I am, in fact they seem to enjoy seeing a consumer having difficulties because of their ruthless negligence that resulted for my Credit File to be impacted negatively. I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to correct these erroneous accounts. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) and continued reporting. I am tempted to pursue legal action against the Credit bureaus if they still continue this erroneous reporting without proper verification. This matter was already included in my prior COMPLAINT # XXXX, # XXXX, # XXXX, and I'm disputing these accounts once again : DPT EDXXXX XXXX Balance Owed : {$3700.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00}
Product: Credit card or prepaid card

On the evening of XXXX XXXX using the Credit Karma website I applied for a Pedal Visa from Web bank.The advertisement said " outstanding odds ''. There was also a reference to " will not hurt your credit ''. After filling out and submitting the application I was immediately refused for the card and received an email saying " notice of adverse action '' listing several ridiculous reasons. This is in my opinion deceptive and as I understand this is not the first time Credit Karma is guilty of this.
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law FCRA XXXX XXXX Fraudulent accounts include : XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX  opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX  opened XX/XX/XXXX balance XXXX $ Fraudulent address never lived that : 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 or other personal consumer reports

I checked my credit report this morning and I saw that there were inaccurate accounts. I tried logging in and logging out of my account, but when I logged in again, the inaccurate accounts were still there. I have no idea why those showed up on my credit report but I do know that I want them removed, so please thoroughly look the documents I've sent.
Product: Debt collection

National business Factors in XXXX XXXX Nevada has two medical collections accounts for me from a hospital visit. It was sent to collections in 2018. Every month they add a dollar or more interest to each collection account. One being XXXX and one being XXXX. It is not in the original contract with the hospital to charge monthly interest.
Product: Checking or savings account

My debit card had unauthorized use ( fraud ) for XXXX transactions from XXXX merchants I never used before.
Product: Credit card

I recently moved. Got a new phone number. Secured new employment. But I got behind on my bill. Chase Bank removed my new phone number off my account so that I couldn't log in to make a payment. I have called them and requested my phone number be added back to my account but they will not comply. I have been a great customer for over a decade with out any late payments, but the moment I get behind they withhold my account information from me so I can't make a payment. This is absurd and a dirty tactic. If this violates any laws or regulations I hope they get fined severely for this. I'm just trying to make my payment and now the only option they've left me is to call and make it over the phone. That is unacceptable. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  XXXX  Acoount # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX These items are in violation of 5 USC 1681 Section 602 A right to privacy 15 USC 1681 Section 604 sec. 2 written consent
Product: Credit reporting or other personal consumer reports

I had an American Express ( Amex ) card member for 30 years. I received a letter from Amex that it had increased my credit limit and was sending a replacement card for one due to expire XX/XX/22. The replacement card did not arrive 10 days before expiration. I advised Amex representative that the card usually arrives sooner and recommended they cancel the replacement. No replacement card arrived one day before the card was due to expire and I called Amex again. I was told the replacement card was not canceled but my Amex account was canceled. Amex rep called to reinstate my account and was told I was turned down by the credit agency, XXXX, whose ads imply one should use its bank to " boost '' one 's credit score. This company also never sent a letter to me outlining one 's rights. XXXX recommended that Amex make a correction to my record which states I missed 4 months of payments for a replacement card I never received. Iam seeking correction of my credit record and reinstatement of my account. The only significant issue with my record took place when I was XXXX due to a XXXX XXXX and missed XXXX car payments which I promptly paid upon discharge.
Product: Credit reporting or other personal consumer reports

See previous claim. I disputed the charged off account. Their response was that the acct was not charged off, but it has been indicated as charged off AND written off via my consumer report. The consumer credit report does not equal the companys response. In addition, as a result of the dispute the payment history was updated to past due over 30 days ( currently ), tarnishing my credit worthiness more. 
This is yet another violation. It was charged off-written off more than over a year ago. 
I am adding Capital One to this claim as they reported the same ( past due ) and its been written off, charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C. 1681XXXX XXXX, Equifax XXXX XXXX XXXX shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and RECORD the Current Status of the disputed information, or delete the item from the 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 reseller. 

The credit bureaus mentioned above have absolutely Violated my rights numerous times. I have attached my disputes for each credit bureau, my identification information and the certified receipts for when I sent my disputes to each credit bureau.
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. 

Account name : XXXX  XXXX Account # XXXX Account name : XXXX  Account # XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account name : 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 reporting or other personal consumer reports

Since XX/XX/XXXX I have been going back and forth with XXXX XXXX and experian about a missing account that was affecting my account and hindering my life. 
There is inaccurate and missing information on my credit report but ONLY with experian. I have a XXXX XXXX credit card with a limit of {$6700.00} since XXXX and it is not being accounted for on my account which is affecting my score and my credit utilization percent drastically. I have notified both of them and both companies have been telling me different things and putting the blame on one another. They told me they are reporting my information to every credit bureau and it is not a fraud account. I was told to write a letter and provide information to proof I was who I was multiple times and even when disputed they have stated that my issue has been resolved but the issue is still not resolved. I was then told today, XX/XX/XXXX by experian that there is nothing that they can do that this is a XXXX XXXXXXXX issue even though I have a written letter from XXXX XXXX stating they are reporting to all three credit bureaus.
Product: Debt collection

ENHANCED RECOVERY continues to attempt to collect a debt of {$110.00} dollars that is assigned to XXXX which was paid in full when switching phone accounts. 

This debt has been challenged and removed at least once if not twice before but the Collection Agency continues to cause damage to my credit score by insisting the debt is still owed and by continuing to file a collection against me. 

I have disputed this with the credit reporting agencies and they have ruled in my favor already. 

Please advise Enhanced Recovery to cease and desist with their continued harassment. 

Thank you for your help! 

Best, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been sending dispute a verification and also validation letters for the past 3 years for my XXXX XXXX  account and the entire time I keep receiving a bill nothing else. All three bureaus have been reporting late payments on my credit cards that I disputed that also came back as verified. They are in violation of the FCRA and metro2 compliance and reporting guidelines. The reporting of excluded information pursuant 15 USC ( A ) ( D ) ( 2 ) ( A ) ( I ) to a consumer report is a clear violation of Metro2 compliance. 

A clear violation of 15 USC 1681 and that states The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's 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 consumer 's 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. 

I would like to know who did they talk to in such a short amount of time. 

Clearly they didnt investigate and this has been detrimental to my credit. 

The most recent tracking numbers are XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX XXXXXXXX because I was not able to open a Bank account on my behalf. I ordered XXXX XXXX  and t showing I owed money on this financial institution. I reported them that my bank debited the money on my checking account when I was in the XXXX and that I don't received. 
I was in the XXXX that day and I went to atm machine to withdraw money and it happened nothing dispense on the ATM,. I reported it to the XXXX  in the XXXX and showed that my bank was debited and I never received the money thru ATm. The manager created a report they said it would takes a couple of months. So I disputed it to XXXX XXXX XXXXXXXX and this is what happened they closed my account and telling me I owe the money that I never received. I am suffering now I can not open any bank account.
Product: Debt collection

I had credit card debt that i have been paying XXXX XXXX XXXX to take care of my debt .... i paid them close to XXXX XXXX dollars. My payments were going to stop XXXX of 2021, XXXX XXXX XXXX told me that as soon as i pay my last payment in XXXX that i was in the clear and my credit would be restored. I am now being sued by bank of america in which i received a certified letter in my mail box that i didn't even sign for, saying bank of america was going to garnish my wages. i have had no other previous communication with bank of america. any lawyers from bank of america or citadel documnent solutions that this was coming. I emailed the lawyer for bank of america ( XXXX and XXXX in california ) i received one phone call from a para legal secretary that my only option was to give the bank all the money in bulk. i asked to speak to Mr XXXX who is the lawyer, I have yet to receive a call back from him. ( over a week ago ) Please see attached contract agreement with XXXX XXXX XXXX.
Product: Mortgage

My loan servicing company, The Money Source, after receiving my payments ( and if the payment amount is more or less than my exact amount due ) puts those funds in a " suspense '' account. 

I have had multiple loans serviced by multiple servicing companies in the past and I have never seen this behavior before. Normally, if the payment is less than the payment due then the amount of the payment automatically reduces my amount due by the amount of that payment. Further, normally, if I make a payment in excess of the amount due, the payment is applied to my principal balance. 

Instead, The Money Source puts the funds into a " suspense '' account and the money is applied to neither my payment due nor my principal balance. I believe this should be illegal behavior because essentially The Money Source is putting my money in an interest bearing account of their own ensuring # 1 I am not paying less interest by having my loan balance reduced and/or # 2 My payment amount is not reduced. 

The payments I send to The Money Source are my funds and should be used to reduce the burden of my loan. Not to earn The Money Source interest and benefits above that due to them as the servicer of my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a dispute with the 3 major credit reporting agencies about a debt on my credit report that I do not owe. The agencies sent me notification that they will not remove the {$2200.00} XXXX XXXX XXXX XXXX reported. I explained I paid {$410.00} to the collection agency and the check was returned to me as unacceptable.