23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Notice of Dispute Im kindly asking American Express to reopen billing investigation for charges associated with XX/XX/XXXX on our account ending in XXXX in particular {$170.00} ( posted XX/XX/20 ), {$130.00} ( posted XX/XX/20 ), {$65.00} XXXX posted XX/XX/20 ), {$74.00} ( posted XX/XX/20 ). 

During this 2020 year weve had numerous issues withXX/XX/XXXX including but not limited to XX/XX/XXXX damaging our shipments on a route, losing few and eventually being overcharged for the shipping services. 

These charges reflect incorrect amounts amount weve been overcharged sums weve never consented to in the first place and were offered different quotes for shipping, otherwise weve would never have considered shipping with XX/XX/XXXXas we dont do anymore. 

Previously weve filed a billing disputes via AmEx website for these XX/XX/XXXX charges and submitted requested supporting documents in a timely manner, expecting that the merchant will either rebute these charges or we will expect a refund. As pretty much any business this year we were busy trying to survive during the COVID-19 challenges and were extremely busy keeping things running. 

We were expecting to hear back from American Express in writing digitally or via mail in regards to these disputes. However recently weve discovered that these disputes were ruled into merchants favor without sending us any note of results of the investigation in writing message from American Express says We have completed our investigation. Please refer to the communication we sent., however we didnt receive any written piece of communication from AmEx in regards to these inquiries nor via the email, nor via the Message center, nor via the US Postal Service to any of associated with us addresses, including but not limited to XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX. 
Its sad but rather confusing that AmEx that publicly supports small business efforts to survive through COVID-19 pandemic, yet sometimes fail to assist us in small but important things get our money back for things weve never consented to such as but not limited to being overcharged. 

Its in an AmEx sole discretion ability to investigate these billing charges and were kindly asking American Express to reopen those billing disputes and consider all the documents attached below. 

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

I just recently looked at my TRANSUNION credit report XX/XX/XXXX. I saw hard inquiries that did not have permissible purpose. I also attached evidence 1. XXXX XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b 2. XXXX XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b 3. XXXX XXXX XXXX XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b 4. XXXX XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b
Product: Checking or savings account

I already know XXXX XXXX, XXXX of Chase Bank will have this complaint mishandled purposely, but this will serve as further proof : On XXXX XXXXXX/XX/XXXX I wired {$300.00} to XXXX XXXX from my business account at Chase Bank, which are two companies that I legally own, but were stolen from me after I was shot on XX/XX/XXXX due to the XXXX XXXXXXXX XXXX XXXX  of Chase Bank conspiring with others to have me killed during a coup d'etat to steal all of my funds, businesses, real estate, etc. XXXX XXXX personally told me that if I tried to re-purchase XXXX XXXX XXXX, which is real, back from XXXX XXXX that he would have the wire transfer cancelled, label my account as fraudulent, and block me from logging into my accounts, which he did. I spoke with Chase Bank over the phone, and even made a visit, however nothing was resolved and I ended up withdrawing all of my funds from the bank, knowing how XXXX XXXX, concealed my {$3.00} XXXX XXXX funds which is inside of a " cloud '' account at Chase Bank, owned by me ; he and others refuse to give my funds back and I have an active lawsuit open against Chase Bank which XXXX XXXX and others are actively trying to get thrown out : XXXX XXXX XXXX XXXX XXXX  ( et. al meaning more than one defendant ). This incident is one of the many retaliations against me due to the open case, and is passive aggressive behavior. XXXX XXXX should be fired for fraud, embezzlement, conspiracy, extortion, and much more. He also doesn't have the real headquarters for Chase Bank, at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( which I own and paid for ) filed with the BBB to continue his shady practices without complaints. I want XXXX XXXX fired immediately, brought up on criminal charges, and I want all real estate, ownership, and my " cloud '' account audited. I want all of my bank accounts unblocked and for my stolen funds of {$3.00} XXXXXXXX XXXX attached to my bank account once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original CFPB complaint XXXX Transunion sent a certified affidavit stating they verified a public record listed within my consumer with the court. Transunion violates the FCRA by sharing my personal information, which they purchased from a 3rd party without a permissible purpose. I've also attached an affidavit from the XXXX XXXX certifying they don't report any consumer info to CRAs. 


This a clear infraction of the law, and I demanded action be taken! 

The court letter I've attached directly refutes the claim by Transunion that this data source reported any information to this.
Product: Credit reporting or other personal consumer reports

Experian did NOT remove the item from my report. They are in violation of FCRA XXXX ( b ). According to this they had XXXX  days to remove these items from my report, and they did not. They have violated my rights under XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX for willful noncompliance. My identity theft report that was submitted to XXXX on XX/XX/year> and per FCRA XXXX ( b ) was not removed. The original items listed in the original letter sent via XXXX on XX/XX/year> are still listed on my report. These items can be seen in the attached documentation showing original dates. 

XXXX XXXX LETTER SENT XX/XX/year> -FTC IDENTITY THEFT REPORT SUBMITTED XX/XX/year> -DRIVERS LICENSE -PROOF OF RESIDENCE -INVOICE
Product: Mortgage

Truist representatives have refused to endorse final insurance checks for repair of home mortgaged through the bank. On XX/XX/XXXX I met with XXXX XXXX at XXXX NC Branch office to have 2 insurance checks endorsed totaling about {$18000.00} for final payment to the contractor. She was refused authority to sign from a remote office that apparently has approval authority. I was told they insisted on 3 business day review time. I returned 4 business days later on XX/XX/XXXX. Met with XXXX and XXXX XXXX on this occasion and was again refused endorsement. The remote authority had not progressed on the request. I returned again on XX/XX/XXXX with yet another refusal. I was informed only " added steps are being taken ''. No further explanation was provided. I gave my phone number to XXXX at her request. Eight days have passed since my last visit without further contact. I stated these checks were for final payment. On XX/XX/XXXX I met with XXXX XXXX of the XXXX XXXX XXXX. The first check of {$30000.00} was endorsed by XXXX. The home in question is in the estate of my sister. I am her sole executor. In the XX/XX/XXXX meeting I provided XXXX with original death certificate and Letter of Testamentary. Also, I returned XXXXXXXX XXXX  safe deposit keys and her joint deposit accounts were consolidated with separate accounts of joint owner. I do not know why the delay nor have I been given a date to expect action.
Product: Debt collection

I checked my credit report yesterday, l saw a collection on my report. Collector named National credit systems lnc. Its {$98.00} which l dont owe. I dont have any agreement with them. Its basically fraudulent activity.
Product: Debt collection

Upon checking my credit file I noticed a collection from Sunrise Credit on my report stating I owed XXXX XXXX I have never heard of this company nor done business with the company. Not to mention have never received any communication about the so called debt. I need this removed immediately off of my report and for this company to stop reporting to any and all agencies pertaining to this alleged debt that I do not owe.
Product: Student loan

1 ) I have a Direct Plus Federal student loan, but am told by my servicer, Nelnet, that it does not qualify for the interest forgiveness. I need to understand why and could not get a good answer from Nelnet, only that some older loans do not qualify for interest forgiveness under the Cares Act. 
2 ) I took the forbearance option for four months and now the loan amount has increase by {$640.00} in accumulated interest. 
3 ) Nelnet has increased my monthly payment from {$330.00} a month to {$420.00} a month starting XX/XX/2020. I am in a graduated loan payment program but this increase in payment is not due to that, and I need to understand why. 
4 ) The loan has a fixed rate of 8.5 % but if you look at the monthly interest amounts they can vary by more than {$20.00} a month and I don't understand why. 
I have discussed all of these questions with a Nelnet rep, and although she was very nice, I did not get answers to these quesitons.
Product: Student loan

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have a loan with DEPT OF ED/NAVIENT. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX filed a dispute on equifax credit report. And put a fraud alert with the 3 credit reporting agencies. XX/XX/XXXX called equifax trying to get an update about my dispute. I used the name that i been using for the last 12 years. They do not want to update my name saying my recent lenders sent them that name which us not true because the other 2 reporting agencies have my correct name. Equifax have the correct info. Will not give me the status if my dispute answred all the questions correct. I filed under the name i use. They put it under the name they have not updated saying its the lender. but the lender sent correct name to the other 2 credit reporting agencies
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted my fifth XXXX XXXX  Request To BLOCK Information. I sent in an updated Victim Determination Letter from a reputable source- that is absolutely verifiable, proof of identity, proof of address, information that is being requested to be blocked, proof of marriage. I also attempted to contact XXXX XXXX by phone 5x and received her voicemail each time. I did receive one call back and she left a voicemail stating " If I still need help, call her back. '' This was on a Sunday after XXXX EST. I immediately called right back and was told the offices were closed by an automated system. I left another voicemail. This was XX/XX/XXXX. Today, I received secured mail stating the same EXACT thing denial reasons, despite documentation being clear, legitimate and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have several collections for services i never received or authorized. from the   XXXX   XXXX   XXXX   for {$830.00}, cbe group for {$6600.00}, {$1400.00}. also,   XXXX   XXXX   for {$130.00} and i never signed or authorized any of these charges. Also child support is showing {$8200.00} and i never went to court and proved any paternity or took any   XXXX   XXXX   to prove myn relations. would you please assist me in removing these unauthorized accounts. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : XXXX
Product: Credit reporting or other personal consumer reports

This letter is in Response to the letter I received today ( XX/XX/XXXX ) FROM TRANSUNION Concerning my Dispute asking for Verification on XX/XX/XXXX. Transunion is stating they are allowing accounts to remain on my credit file without doing any XXXX XXXX!! this is ILLEGAL!!!! I'm writing to file a complaint against Transunion for failing to comply with the Fair Credit Reporting Act ( FCRA ) requirements, 15 USC 1681e ( b ), 1681s-2,1681i ( 5 ), and 1681 c ( c ). Despite multiple written disputes via Certified Mail, regarding inaccuracies on my credit report, Transunion has refused to conduct PROPER Investigations or correct the errors as mandated by law. 

On XX/XX/XXXX XX/XX/XXXX, and XXXX XXXX sent Transunion dispute letters regarding XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I also made sure each time I provided detailed evidence showing I Address, Name so that they could compare them and Delete the accounts because of the inaccuracies. In my last letter I ask Transunion to either respond back to me with specifics details in how they went about their verification and investigation, including dates, times and name of person spoken that verified the account, again they never responded back with any REAL VERIFIBLE INFO. I also ask them to compare EXACT NAMES and Addresses and DELETE accounts that aren't 100 % accurate, Transunion NEVER did Any REAL VERIFYING, they simply just kept those accounts on my file without Investigating or VERIFYING ANYTHING! This failure has severely harmed my credit score, impacting my ability to secure credit and purchase a home for me and my family. 

The recent CFPB enforcement action demonstrates a pattern of severe non-compliance by Transunion. My personal experiences run parallel with the practices highlighted in this lawsuit. 

*15 USC 1681e ( b ) : Failure to ensure the Accuracy of consumer reports.

*15 USC 1681s-2 : Neglect of Duty to prevent incorrect inaccuracies.

*15 USC 1681i ( 5 ) : Failure to delete inaccurate Unverifiable information.

*15 USC 1681c ( c ) : Continue of outdated information.

I Request for immediate corrective action.

1. Full and proper reinvestigation of disputed items 2. Deletion of inaccurate of unverifiable information 3. Full Documentation of the investigation and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is deliberately reporting incorrect information which is causing my score to display as inaccurate. A collection account should be deleted as the collection agency and original debtor has deleted the reporting. I disputed this information and it was removed correctly by XXXX but transunion is still reporting the incorrect information. I have no accounts in collections.
Product: Debt collection

AALIANT WAS BEING SUED BY XXXX FOR UNLAWFUL HARD INQUIRY! THE CASE WAS DISMISSED, BUT STEP OVER THE LINE AGAIN BY CALLING MY WIFES CELL PHONE ( XXXX ) XXXX AND XXXX WORK NO. ( XXXX ) XXXX IN VIOLATION OF TCPA AND FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to notify the credit bureaus AGAIN that I was a victim of identity theft and that I would like these bogus items removed from my credit file as a result of the claimed identity theft. CREDIT BUREAUS is obligated by FCRA 605B ( 15 U.S.C. 1681c-2 ) to REMOVE any items specified in Identity Theft. HERE IS THE LIST OF ITEMS THAT I WANTED TO REMOVE AGAIN! 



XXXX XXXX Balance : {$31.00}, XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$20000.00} ; XXXX  XXXX Balance : {$6100.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
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  Account # 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 writteninstructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the followingitems 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 reason of error 15 usc 1681b -creditor use my report for impermissible purpose, creditor need a valid reason for doing so 15 usc 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

15 usc 1605 finance charge is sum of all charges included late 15 usc 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right " credit, '' by American Express. I was notified of this transgression of my rights, specifically 15 USC 1601 The Truth in Lending Act, by American Express on XX/XX/2021 via US mail. According to 15 USC 1602 definitions of the Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by American Express ' adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00}. American Express is now civilly liable to pay me for the damages.
Product: Money transfer, virtual currency, or money service

Hello My company name is XXXX XXXX and I was using Wise Bank but they deactivated my account and did not reactivated it. Rather they said to provide other Bank details of the similar company so they will send the funds to it. 

I applied for the amount transfer on XXXX XX/XX/2024 but still I have not received the amount in my other XXXX XXXX XXXXXXXX account of XXXX XXXX. 

Company : XXXX XXXX Bank Account No : XXXX Routing No : XXXX Please help me recover it. 

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

Choice Recovery Debt collector was paid off in full for a medical collection. They are still showing as derogatory on my credit report although it says they were paid off in full.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX, today is XX/XX/2022. Around the year XXXX I opened a Coinbase account and I used my drivers license to become approved for an account. I purchased crypto at the time, which was Litecoin ( LTC ) and some Bitcoin ( BTC ), I had around $ XXXX in my account with Coinbase. I ended up losing access to my account throughout the years due to losing my phone, and forgetting my account details. I could no longer get in my account. This year, XXXX, around the month of XXXX, I tried to get my account back with Coinbase and was unsuccessful. I contacted Coinbase support on their website, and had to go through re verification and submitting my drivers license to get my account back, which I eventually was able to log into my account. The issue though is that all of my money is gone, no assets are showing in my profile, and no transaction history is appearing on my account. I contacted Coinbase phone support on XX/XX/2022, and I spoke to a Coinbase rep on the phone named " XXXX '' she said there is no history of any transactions on my account, no assets showing, and no money in my account. This is impossible because when I first opened the Coinbase account and made purchases I never sold any crypto, I just left it all in my account. I made purchases of crypto at that time, which was Litecoin ( LTC ) and Bitcoin ( BTC ), and I had left over money in my account. If Coinbase goes based on a persons government identification to open an account, then all my account history, my money and my transactions should be available on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2021 to present an Ive attempted to have A Closed Account displaying damaging, derogatory, and negative information removed from Equifax and XXXX. This same closed account has been removed from XXXX. Under the law A Closed Account can not contain negative or damaging information, The Account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with TRANSUNION, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 


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

The following debt collection companies thats currently listed on my XXXX XXXX, Equifax and XXXX credit report has been using abusive, unfair and deceptive practices and tactics to collect a debt on accounts thats not my account or debts and is the result of identity : XXXX XXXX XXXX, {$140.00}, XXXX XXXX, {$500.00}, XXXX XXXX {$640.00}, XXXX XXXX XXXX XXXX, {$700.00} and XXXX XXXX XXXX, {$3800.00}. The above debt collection companies is in violation of the Fair Debt Collection Practices Act ( FDCPA )