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

I am submitting this formal complaint against TransUnion concerning their continued failure to remove and correct inaccurate information on my credit reports. Despite my repeated efforts to address these inaccuracies, this Credit Bureau has failed to take corrective action, thereby violating the Fair Credit Reporting Act ( FCRA ) and causing undue harm to my credit standing. 

The inaccuracies in question include, but are not limited to : Incorrect Addresses : The presence of undeliverable addresses that I do not and have never resided at, which remain on my credit report despite requests for their removal. 

Incorrect Contact Information : Phone numbers listed in my credit file that are not associated with me have not been removed, despite multiple notifications of their inaccuracy. 

Old Employers : Previous employers that no longer reflect my current or most recent employment status continue to appear on my credit report, and I have requested their removal without success. 

Inaccurate Variations of My Name : Inaccurate variations of my name have been linked to accounts opened in my name as a result of identity theft, which the Credit Bureaus continue to report despite being provided with supporting documentation to dispute the information. 

I have taken the following steps to resolve this matter prior to submitting this complaint : On multiple occasions, I have contacted each Credit Bureau by phone, requesting the correction and removal of this inaccurate information. 
I have sent certified mail with supporting documentation to each Credit Bureau, requesting that these errors be corrected in accordance with FCRA guidelines. Despite these efforts, the inaccurate information continues to be reported. 

The continuous reporting of incorrect personal information, undeliverable addresses, and variations of my name associated with fraudulent accounts have caused significant harm to my credit score and personal credibility. This constitutes a clear violation of the Credit Bureaus ' duty to ensure accurate reporting and failure to properly investigate and correct inaccuracies as required under FCRA, 15 U.S.C. 1681i. 

I respectfully request that the Consumer Financial Protection Bureau take immediate action to : Investigate the failure of TransUnion to comply with their legal obligations under FCRA. 
Require this Credit Bureau to remove the incorrect addresses, undeliverable addresses, inaccurate phone numbers, old employers, and variations of my name associated with fraudulent accounts. 
Ensure the correction of my personal information across all credit reports held by these agencies. 

Please acknowledge receipt of this complaint and inform me of the steps that will be taken to resolve these violations of the FCRA.
Product: Money transfer, virtual currency, or money service

I looked up a property in XXXX XXXX, FL. I called the number from XXXX XXXX XXXX and obtained information via phone. The so called owner agreed to sign a 2 year lease ; we completed background checks and filled out the lease agreement, sent images of our licenses and signed. So called owner was to ship the keys to us but there was a delay with the husband stating that he found another party that was willing to pay 6 months in advance. We agreed to give an additional 2 months of rent which in term he agreed as well. After we transferred money to their lawyer they told us they sent the keys and would be getting back to us with a confirmation from XXXX. We did not receive word from them after that. We tried calling their number and it was disconnected. My boyfriend did some research and found the actual owner of the property through a property appraisal website and contacted him to verify his identity which did not match the so called owner we had been in contact with. The so called owners sent us a California Drivers License ( XXXX XXXX, DOB-XX/XX/XXXX ) We also have all the text messages sent/received between us. The so called owner also sent post office images to us as if they were going to mail keys to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been dealing with NAVIENT for the repayment of my student loansXX/XX/XXXX : agreed to paying an extra {$50.00} a month, making my payment $ XXXXmonth. by agreeing to this, I would be enrolled in an INTEREST RATE REDUCTION PROGRAM. Agreement states that after 3 consecutive payment, my interest rate would decrease from 10.17 % to .001 %. On X/XX/2017 it shows my interest rate did decrease like promised, however, my {$250.00} payments are still going to interest and not principal balance. 
I called Navient NUMEROUS times for help and explanations and could not get any answers : X/X/17 XXXX XXXX : spoke with supervisor XXXX and she stated she did not have an answer for me and she would " look into it '' X/XX/17 XXXX : have not heard from anyone at Navient since I called onXX/XX/XXXX so I called back and was told that XXXX was " unavailable '' X/XX/17 XXXX : Called Navient again and spoke with XXXX. He informed me that he emailed XXXX and that XXXX is working on the issue and that XXXX will call me X/XX/17 -- I RECIEVED NO PHONE CALLS FROM XXXX OR ANYONE -- XXXX XXXX XXXX : I called NAVIENT again and spoke with XXXX XXXX ( XXXX ) because all of the managers and supervisors were again, " unavailable '' XXXX informed me that she " cant spend the day on the phone with me because they have a business to run and that I am being redundant for asking the same questions over and over '' She was emailing a supervisor to call me back. 
X/XX/17 XXXX : XXXX called me back. Explained to me the interest, however still could not give me any information regarding past interest amounts or past payments. 

**NAVIENT has no problem tracking you down for money but when I have a question regarding my interest rated and payment I was given the " run around '' and was told I would be receiving help and I did not.
Product: Checking or savings account

My account is overdrafted due to denied disputes however the charges that were denied were not me as my entire vehicle was stolen with my belongings which caused these charges
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 
Depending solely on your flawed XXXXr system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

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

Between XXXX, I suffered major financial hardship and losses due to identity theft. I had every bank account app on my phone hacked and financial info changed and uploaded documents and checks that were not from me via these applications. During this, NFCU had flagged a check that actually was not uploaded by me or my device. They immediately froze all of my accounts, cancelled my debit accounts and literally within minutes I had no way to buy groceries, gas for my vehicle, or pay for anything while being a single mother. I contacted them and was told nothing could be done and that my bank accounts were now in " credits only ''. The closest navy federal to me is about a one hour drive away. Because I had no gas and no access to money ( but a little change ) I had to take the bus all the way there and beg them to release some funds to me so I could I could feed my kid. That day XXXX filed a written statement, verified who I was, provided my device info to prove that I was not the one who uploaded the check in question, as well as provided copies from equifax, my other banks that verified fraud on those other accounts and appealed the bank to please unfreeze my accounts and allow me to manage my finances online as usual. I had to wait 7-10 business days for a response while my accounts remained frozen. I was then told that they would be closing all but my savings account due to my credit card with them that also had fraudulent charges ( which they never refunded ). It took me 4 months to receive my direct deposits from social security, the VA and retirement allotment due to needing a new bank account and navy federal kept accepting the direct deposits without allowing me access without travelling to the bank and then having to take all the money out cash at one time in a bad neighborhood, inability to pay my bills online causing me to purchase prepaid cards and money orders/cashiers checks costing me more time abd money. I have appealed to have my obline access restored and my accounts restored as I have been in recovery mode after id theft. and denied without any factual reason as to why I could t have them restored or given online access.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX Dear sir, I have received an email from your court, District Court of New Jersey on XX/XX/XXXX of XXXX regarding the closed/terminated case, XXXX XXXX TransUnion, LLC. As far as I remember, the case was terminated on XX/XX/XXXX by your side without any notice to the person, XXXX XXXX, who was asked to file by the court and filed with required fee of {$400.00}. Since the case was terminated by the court on XX/XX/XXXX, I consider the letter, which I had sent after it, should not be included due to the termination of the case itself. There was a question why the docket text on XX/XX/XXXX said the civil case was terminated. As far as I understand there are XXXX court varieties in the XXXX countries, those are civil case and criminal case. Since the docket said civil case was closed, it must mean the criminal case was on. Since the case should relate with TransUnion, the TransUnion should have committed some criminal activities against XXXX XXXX. From my knowledge and experience, I had many hackings, illegal usage of my credit cards by the third person/parties, illegal data breach and falsification by several American credit companies including TransUnion, XXXX movements on my dental and other insurance companies, and other things. Therefore, in this case, the TransUnion should have committed some illegal data breach and falsification on my personal information which resulted into identity theft along with the XXXX, which admitted the data breach and identity theft of mine. It might mean XXXX might have ended up criminal charge ; therefore, it might have started data breach settlement for me to avoid the criminal case relating with XXXX. Even though I have written as above, your court has not expressed anything on my case ; therefore, it is not clear. Anyway, since the case is closed and must be meant a criminal case, which might mean beyond your jurisdiction, I request the refund of fee of {$400.00}, which was paid for your service. I need to remind that the documents filled by me was sent by the court ; therefore, I can ask the refund and the court has the responsibility to refund. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. states I have the right to my 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts XXXX accordance with FCRA, I am requesting these inquiries to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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
Product: Debt collection

On XX/XX/XXXX, I opened an account with XXXX XXXX XXXX for a camera system for my mother. Shortly after my mother passed away, I cancelled the service and paid the last bill on XX/XX/XXXX. Over the last XXXX months, I have been receiving text messages from Zion Debt Holdings ( I see now was opened XX/XX/XXXX ) stating I owe {$290.00} from XXXX XXXX XXXX XXXX They wanted me to provide proof of my last payment ( copy of paid bill ) from when I closed the account in good standing and I told them that is ridiculous, as I didn't have that information XXXX years later as it was a done deal. I asked for proof of this supposed bill, but they have not provided this. They keep harassing me for this money, and I think its a scam, which is what I told them. They have sent this collection information to the credit bureau, which is hurting my credit score. I have started a dispute with XXXX.
Product: Money transfer, virtual currency, or money service

Fraudster was selling tickets on XXXX  for a XXXX XXXX concert, I contacted them at the number on the post and agreed on a price. Sent the money through cashapp and they said they were going to send the tickets and then I stopped hearing from them. They wouldn't answer my calls or text messages and never sent any tickets
Product: Credit card or prepaid card

Capital one is double billing me for something that XXXX decided to give as a courtesy for lying about the hotel room received when booking online. The hotel advertised one image and put me in a complete different room. 

XXXX gave a {$91.00} credit and for some reason CAPITAL ONE has removed that charge from my account. 

See attached screenshot from better business bureau complaint where it shows the XXXX office of XXXX sent the credit to my account. 

This credit had nothing to do with dispute
Product: Credit card or prepaid card

On XX/XX/2022, I purchased an online coding training service from a company called XXXX, the amount I paid is XXXX USD. The service is a one-year subscription for any course offered on their website. 

I started XXXX XXXX XXXX Interview : Patterns for Coding Questions course shortly after the purchase. I was halfway through the course and was suddenly notified that the course will no longer be available, instead, I was introduced to another course that was supposed to be a replacement. 

Worried that I will lose any further progress on the old course, I switched to the new course even though the old one is not yet expired. The new course : XXXX XXXX XXXX XXXX in XXXX has multiple issues. 

To start with, the descriptions of course are not always clear. 

Another issue is with the online submission tool, this thing is buggy, and lacks debug function. I have to do all my code offline. 

The last issue is on the discussion function for any of the solutions, I was expecting some forum where I can discuss things with other learners, while the ask a question section is usually clean, and no one seems to be asking any questions. 

For the above reasons, I contacted XXXX XXXX to cancel my subscription on XX/XX/2022. The company refutes my request on the second day, saying it does not meet its refund policy. 

On XX/XX/2022, I talked to Chase, the credit card company that issued the card that I used for this purchase. I requested for a dispute on the purchase because I am not satisfied with the services I received. However, Chase replied that any service purchase, at the moment when the service has been used, does not qualify for a dispute. Therefore they can not start the dispute process for me on the purchase I made. 

The service I received is a one-year subscription for any course XXXX offered, the actual usage for me is XXXX courses, none of them completed. The total time I spent on the website is less than XXXX months, much shorter than XXXX year. I think I should be qualified for a refund, and Chase shall not refuse to start the dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to obtain my credit report through Experian. When asked to verify my personal information none of the information presented was correct and it would not confirm my identity. I strongly suspect my identity has been stolen and I need the credit reports to assess the extent of the identity theft in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report. To this date they have not responded. 

The following account is not mine : XXXX XXXX XXXX  ( Opened XXXX XXXX, XXXX, Highest Balance {$24000.00} ). Please remove it from my credit report. 
The following account is not mine : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$28000.00}, Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ). Please remove it from my credit report. 
The following account is not mine : XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$240.00}, Original Creditor : XXXXXXXX XXXX XXXX ). Please remove it from my credit report.
Product: Credit card

I was charged multiple times from XXXX and XXXX XXXX XXXX I did a claim to Citibank for the fraudulent transaction but they said that its my fault and I have to pay for it because the transaction was made by digital wallet from XXXX XXXX, so I ended up paying over {$1000.00} for the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX, I am writing to you because I have an issue with my private student loan company ( which is with XXXX XXXXXXXX  XXXX XXXX XXXX of XXXX XXXX I was speaking to a mortgage loan lender and she recommended that I contact this bureau or an attorney. Here is my situation- I have been in contact with XXXX XXXX XXXX XXXX since my loan is with XXXX XXXX XXXX XXXXXXXX XXXX XXXX I currently pay on this loan weekly. I have been told by the loan officer at XXXX XXXX that there is nothing that they can due as this loan is in a charge off state. It is not being reported that it is being paid on my reports. I have contacted the credit reporting agency and all I get back with them is that it is a correct debt. This is correct I did take out the loan several years ago. My payments are not being reported and it is still in a charge off state. I believe that the bank should be able to remove this from a charge off state or at least report that I am paying on my loan. 
Thank you for your time. 

Below is an email from the loan officer at XXXX XXXX XXXX XXXX. 
Hi XXXX, I am in class for the next two days, so unable to return your call. I got your message. Unfortunately, there is nothing that we can do to remove that negative debt from your credit report, When we talked before, I had explained that you would need to possibly find someplace that would be willing to refinance the student loan into a new one for you. We cant offer that because this loan is charged off from the XXXX XXXX that we work with. They wouldnt be willing to refinance it. 

I am more than willing to write something up stating that you have been paying on this debt weekly for a long period of time if the company you find needs verification that it is being paid. But, that is about all I can do for you.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1681s-2 Portfolio Recovery Associates LLC , XXXX XXXX XXXX XXXX XXXX and XXXX COLLECTIONS has furnished incorrect information to the consumer reporting agencies. Under U.S. Code 1692g Validation of debt. The listed said names have failed in providing proof that I the consumer have a contract with them and that I owe any amount. I have sent a letter of validation, letter of cease and desist and now my affidavit of fact stating that by law they are violating my rights as a consumer and are breaking multiple laws by so and I have demand that said names listed to cease and desist immediately multiple times. The Listed said names have only provided printed billing statements or records that will not verify or validate a debt according to Federal ruling. See XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Rules of Evidence [ " FRE '' ] Rule 602. I've ask that they send purchase agreement, affidavit of purchase, There license number to do business in the state of Kentucky, registered agent of service and any signed signatures that I have an agreement with said names listed.