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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file a complaint on XXXX XXXX and Experian theyre reporting on my credit that I dont recognize nor did I give permission to. There are many inquires and public records that I want remove from
Product: Credit card

The total amount of the dispute is for {$750.00} for a XXXX XXXXXXXX XXXX  XXXX that was canceled on XX/XX/XXXX. XXXX XXXX customer care was notified around XX/XX/XXXX ( this is the date they responded ) of the cancellation and we wanted to be compensated for the horrible travel day we had. They ( my husband and I ) offered each a {$150.00} travel voucher. I do not want to travel on XXXX again. They have canceled our flights several times in the past. I then contact Paypal Credit Synchony Bank that I was disputing the charge because flight was canceled. They were contacted several times. In writing XX/XX/XXXX and XX/XX/XXXX. I also have a chat captured with them ( Paypal Credit ) from XX/XX/XXXX stating they resolved the dispute in my favor. This was the second chat I was told this. I don't have the earlier chat with them, but I was told the same thing, the dispute was resolved in my favor. I had to dispute 2 times and then they tell me in writing it was not resolved in my favor. Why am I being told one thing which I have proof of during chat and another thing in writing? Paypal Credit Synchrony Bank needs to refund this dispute in my favor since i was told this and I proof of this. Thank you for following up on my behalf.
Product: Credit reporting or other personal consumer reports

After I paid off my XXXX credit cards I checked XXXX on XX/XX/2023 to see how much my credit score went up as that was the only debt I had left to pay off. To my surprise, there was an unfamiliar account on my report from Affirm Inc . I looked up Affirm Inc on XXXX as I had no idea who or what that was. I found a customer service phone number and when I called it they confirmed that an account for {$700.00} was opened under my name and that there is currently a {$500.00} balance remaining. They also informed me that it was for a purchase made on XXXX I went to XXXX and it's not even a valid website as the domain is for sale. I have no clue who opened this account and did not authorize it. I'm assuming identity theft & fraud has occured so I froze my social security number AND credit, put a fraud alert on my credit, reported it to identitytheft.gov, filed a police report, filed a dispute with XXXX which they did not fix the issue and filed a complaint for fraud with Affirm Inc . I have gotten the run around with Affirm Inc . They told me someone would contact me in XXXX business days to follow up and XXXX business days went by and nobody from Affirm Inc contacted me. I called again and they said their supervisor was handling it and would call me back in a few hours which they never did either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXXXXXX XXXX XXXX : {$30.00} ; XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX**** Balance : {$170.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX AKA XXXX..partial account number XXXX ) is a medical collection that does not belong to me. This is a medical procedure for a family member where I did NOT sign a financial responsibility agreement. The provider and collection agency placed it on my file in error. I disputed this with the credit bureau and they left it on my file.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX {$500.00} XXXX  XX/XX/XXXX {$1500.00} XXXX XX/XX/XXXX {$3600.00} XXXX XX/XX/XXXX {$170.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

We negotiated a settlement which involved removal from my credit report plus they were also contacted about the information stating the opened date was wrong. They have continued to report even though the settlement was for certain amount removal and corrections of the information of date opened. They have continued to do this with any debt they are issued instead of using the date the debt first became delinquent.
Product: Credit card or prepaid card

I opened up a credit card Account with Capital One, # ( last four numbers XXXX XXXX. I authorized a second user. The second user charged over the limit by an additional {$1300.00}. I called the respondent and asked why they allowed over the limit purchases. They said under circumstances they could do it, even though they previously advised me that no one could charge over the limit. As a precaution they placed my account under restriction. I am now trying to pay my credit card. As if this day, XXXX, XXXX, 2020, their official website stated I have {$220.00} in cash to lower my credit card debt. I tried to lower my credit card debt. The web site stated I could not redeem at this time, -and my account was restricted with a {$1000.00} credit limit. I called Capital One and talked to three representatives. They all agreed that I do have {$220.00} cash to redeem but my account is closed and I cant use the {$220.00} to redeem. I told them that their official document said my account was restricted and I could not redeem at this time. I asked all the representatives when I will be able to redeem my cash rewards to lower my credit card debt. They said never. I have been discriminated against. I complained before, based on my XXXX, that they allowed over charges when I previously called them up to verify that they would not allow over charges ( {$2300.00} ) on my card with a {$1000.00} credit limit. They provided false information stating that they would not and then did. Now they are denying me the legal right to lower my credit card bill by using my cash rewards in retaliation for complaining before. Their documents state I have {$220.00} to redeem dated today, but not at this time because my account is restricted. They have now denied this redemption. They have charged me interest under the COVID-19 pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint indicated that the reporting agency is inaccurately reporting information on my credit report with no contracts. I would like the item removed completely.
Product: Checking or savings account

On XX/XX/ I was attempting to buy car parts from XXXX. This was my first ever time using XXXX to make a purchase. I had made the first payment of XXXX $ and then XXXX $ for shipping. They sent me tracking number and label as well, however it was false. Once all of that was sent, they told me I had to pay an XXXX $ insurance fee. They promised all fees I sent would be refunded as my packaged would be arrived. After, they requested an XXXX $ city permit fee, which would be refunded as well. I sent that as well, because I believed it would have been refunded. It was also XXXX $ to protect my package since it was labeled as 'discrete ' by the sender. The last payment was a refund request fee. They said if I paid XXXX XXXX the refund process would be initiated immediately. I then sent that over in hopes of getting my refund soon. The website used to contact me all this was XXXX XXXX XXXXXXXX The contacted me via message on the site. They was the ones who gave me updates on the 'package '' Once I sent the last refund request fee, they blocked me and did not send me any package nor refund. I started my claim with the bank XX/XX/23. I am with US BANK. I ended up closing my account and opening new bank cards to avoid any potential threats. They then denied all the disputes on XX/XX/23. I am willing to send proof of conversations exchanged.
Product: Credit reporting

I have an Open account with XXXX Collection they account was paid in FULL before I purchased my house in XXXX, I then File Bankruptcy and was discharged of my debt in XXXX XXXX. Equifax continues to report it has an Open Collection which it is not I have contacted them XXXX time to get this close with proof of payment bankrupt discharge etc. They still refuse to close the account.
Product: Debt collection

I have sent multiple dispute letters to Ad Astra Recovery Service Inc, requesting they confirm the alleged debt they claim I owe. I have not received any response or documentation stating that I have a signed contract with Ad Astra Recovery Service Inc. This company continues to report to the credit bureau companies and has affected my credit profile negatively.
Product: Checking or savings account

On XXXX I opened an account with Chase I deposited a work check on the XXXX via mobile deposit, after the funds were not made available by the XXXX I called to see when the funds would be available and Chase said they could not verify the check and told us they were closing my account with no reason why, and they said that they needed me and the issuer of the check to come in to the bank to verify the deposited check. We did this and after two hours of my employer proving his identity and that he wrote the check, Chase was satisfied and said they would then be overnighting me a check for the amount of the deposited check. A day or so later They fully closed my checking account and sent me a check for the {$100.00} I already had in there, not for the deposited check of {$2500.00}. After two weeks of waiting for this overnighted check I spoke with the banker at the bank we went to and he said they are not sending me a check and to have the issuer call his bank and do a fraud claim in order for me to get the money back from Chase! There was nothing fraudulent about this check, we have verified everything the bank requested. They have held this money for over a month and never gave me a reason why they closed my account or why any of this is happening! I was using that money to go to Texas and start a new job, which I have now lost due to Chases failure to make my funds available to me. I am now about to lose my house and have had to file for federal assistance because of this. I have recordings from chase employees and screenshots of my account. If I cant get this handled I will be contacting a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a dispute and documentation for unauthorized inquiries to be deleted off my credit report. On XX/XX/2022, I got a reply saying these inquiries were deleted off my Equifax credit report. When I check my credit today, on XX/XX/2022, the inquiries are still there. Attached is verification that these inquiries should not be on my report. 

Inquiry : XXXX should be deleted from my Equifax report XXXX 
Inquiry : XXXX should be deleted from my Equifax report XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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 an 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

I have repeatedly contacted your bureau about my identity theft situation, yet my concerns remain unresolved. 
Despite submitting the required FTC complaint, this fraudulent account remains on my credit report. I have contacted the associated company, provided the necessary documents, and had the account deleted from their records. Other credit bureaus have also removed this account following the FTC complaint. I am questioning the verification process your bureau used to continue reporting this fraudulent account. 
I am once again disputing the fraudulent entries affecting my credit file : XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote directly to the US BANKRUPTCY bank in XXXXXXXX XXXX & was advised they did not report or furnish info to ANY BUREAU .. I then wrote XXXX XXXX regarding the issue & today XX/XX/21 I confirmed they have removed all bankruptcies from my file XXXX your report individually states you fraudulently obtained & published by your bureau. 
1. XXXX XXXX stole the info and didn't have a permisseable purpose to report it. pursuant to 1681b. ( 2 ) REMOVE MY STOLEN INFO REGARDING BANKRUPTCIES from your file
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings My name is XXXX XXXX. On Two Occasions, XXXX obtained a copy of my credit report. My ex-wife who I had divorced in XXXX still had access to my social security number. And had tried to purchase a house using my SSN to cosign on a mortgage without my consent These Two occasions were XX/XX/XXXX and XX/XX/XXXX Respectively
Product: Mortgage

My mortgage company, LoanCare, has failed to pay my property taxes. I have called multiple times since last year. I was told on XXXX different occasions that the issue was resolved. Now there is a tax sale lien on my property. I have attached a letter I am sending them as a last resort that includes all the details.
Product: Credit card or prepaid card

I have been trying to find the registered agent for this institution that has a company listed as an agent and direct contact to a person. The state listed on my agreement states the company is listed in Ohio but when I search XXXX that site says the company is dead. When I search the address listed on the statement for Michigan it says the registered agent is a company. When I search the site listed on FDIC for Delaware it states the registered agent is a company. This company continues to do business across state lines and does not have a clear and direct person of contact.
Product: Mortgage

The lender failed to give me a modification when I am eligible for XXXX. I hired a lawyer and the lawyer agrees with me. The lender, however, is still trying to take my property. Due to the recent denial, I need your immediate help because I do n't know the sale date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of XXXX XXXX and XXXX, and TRansunion are reporting 30 day late payment for XXXX account on my credit report. The Cares Act states that NO Late Payments are to be reported to the financial bureaus during the time of Covid 's Forbearance period. I have written disputes to all three credit reporting agencies the account that they are reporting as late and XXXX has deleted it but XXXX and Transunion have not deleted the 30 day late payment. I need XXXX, and Transunion to abide by The Cares Act. They are violating The Cares Act. This is a law to protect us that have been affected by the Covid. Please help XXXX, and Transunion update the XXXX account to reflect a clean and on time payment history, and DELETE the thirty ( 30 ) day late payment. This has caused my rates to increase for my medical insurance and I have been denied for loans due to this inaccurate information that XXXX and Transunion are reporting on my report. They are violating my rights.Thank you for your hep with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  the following accounts/ inquiries have violated my rights. 

# XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 ( a ) states that I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year> I made an initial attempt to send a certified letter to Starmark Financial, requesting validation of the information associated with the account. On XX/XX/year>, I received a response from Starmark Financial. Subsequently, I emailed XXXX, XXXX ( the original account holder ), and copied Starmark Financial in the correspondence, including screenshots of the credit application containing inaccurate information. 
Following this, I accessed a credit portal to formally dispute the collection charge appearing on my credit report. listed below Dispute 1 * Source of dispute information : Starmark Financial * Type of disputed information : Unknown credit account * Details of the Dispute : 1. Incorrect Date of Birth : The date of birth listed on the account does not match mine. Upon requesting proof from Starmark Financial, they intentionally blacked out my date of birth. 
2. Incorrect Email address : The email address linked to the account does not belong to me and does not represent my contact information.

3. Unauthorized Signature : The signature on the credit application is not mine. There is no proof of wet ink signature, just an electronic signature.

4. Incorrect Address : The address associated with this account is an old address of mine, but I was not residing there at the time the account was opened.