23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have had a business online banking account with First Citizens Bank for years. In XXXX of 2021, First Citizens changed their BOB system and began charging a $ 15 monthly fee. I did not request the change and I did not consent to it. The account charged was an account that had all payments automatically deposited and bills automatically drafted. I did not notice the change until reviewing statements in XXXX when I noticed {$160.00} of charges. I requested the BOB account be changed to the personal system and a refund of the charges. I was refunded {$90.00}. I am requesting a refund of the remaining {$75.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report which caused an extreme severe XXXX upon me I found unverifiable, invalidated, inaccurate, and questionable items that your company did't make sure it was reporting 100 % correct. 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 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

Addresses on my TransUnion and XXXX are incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/year> XXXX XXXX XXXX  XXXX, OH
Product: Debt collection

At XXXX am on XX/XX/2022, I received a phone call from a man calling from XXXX XXXX ( XXXX ) stating that I owe {$1.00},??? for an outstanding debt for my PayPal credit card that hasn't been paid in quite some time. I notified him that I do not have a credit card, loan, or outstanding debt with PayPal. He then asked me if I could verify my address associated with my PayPal account. I told him that I am not familiar with his company or the debt that he is attempting to collect, so I will not be providing him with any of my personal information. He asked me if I was refusing to verify any information and to resolve this situation and I told him that is correct. After getting off the phone with him, I called PayPal to notify them of the call I received and to verify that there is no outstanding debt on my account. PayPal stated that my account is in good standing and that I have no outstanding debt.
Product: Debt collection

My sister applied in XXXX of this year for credit with Affirm. This company works through XXXX. She purchased merchandise and has two outstanding loans with this company. She said she only put my phone number on the application and not my name, because she had no phone at the time. In XXXX I requested through XXXX my credit report. On my report I saw to delinquent loans from Affirm, but I don't have an account with them? I have tried to talk to various supervisors there and they for some reason keep trying to verify the info they have and they have both me and my sister 's info all tangled up. And they keep refusing to accept my sisters payments on this account. I feel my identity was robbed from me.
Product: Credit reporting or other personal consumer reports

I REQUESTED CHILD SUPPORT REMOVAL NUMEROUS TIMES AND THEY STILL STATING ITS VERIFIED. IVE NEVER HAD CHILD SUPPORT. IF NOT REMOVED I HAVE NO CHOICE BUT TO FILE A LAWSUIT FOR VIOLATING MY FEDERAL RIGHTS CHILD SUPPORT ENFORCEM Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX placed a 90 day security Alert on my credit reports without my permission causing me to be denied a mortgage and alternately causing me tremendous financial harm, In XX/XX/XXXX I was about to close on a {$600000.00} Mortgage. The Broker informed me I could not be approved until all the consumer statements were removed. However, on XX/XX/XXXX, I was denied my mortgage as a result of a consumer statement being re-added without my consent, Around XX/XX/XXXX, I contacted Experian, XXXX and XXXX  to remove any consumer statements XX/XX/XXXX I contacted XXXX and other furnishers to remove any consumer statements XX/XX/XXXX Experian, XXXX and XXXX  Placed a consumer statement and a 90-day Alert on my credit reports. I never requested a consumer statement or a 90- day alert. A consumer statement must be requested by the consumer, it can not be added by the Furnisher or Credit Bureau without the knowledge and request by the consumer. 

" Personal Statement ( s ) XXXX & XX/XX/XXXX XXXX  ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XX/XX/XXXX. '' Specifically : " APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. '' *implies it is coming directly from me, it IS NOT! 

**I am requesting the 90-day security Alert and consumer statement be removed immediately. I did Not authorize it and having the statement display has caused me financial harm and it will continue to cause me harm until it is removed. I do not need a consumer statement to protect my Identity because I have purchased Experian Memeber # XXXX and XXXX  's credit monitoring products, which they both advertise will protect me from fraud and Identity theft.
Product: Debt collection

On XX/XX/XXXX I received a letter from Certified Credit & Collection to pay XXXX $ I I replied with a question to informed me about the cause of this debt because Ive never received any bills to pay in the past.The agency send me letter that, this is for emergency room in XXXX hospital, NJ on XX/XX/XXXX That day I was at emergency room with broken elbow, which had a sense to me .The third part was responsible to pay for my medical expenses This case was closed in XX/XX/XXXX.I called XXXX NJ hospital billing department to check it.The account number which the agency send me doesnt exist .By my name the billing office was able to find my account to tell me that my balance is XXXX . I called many places related with XXXX hospital and didnt find any debt.My next step was to call the collection agency I asked about the reason for their action The clerk gave me very confusing answers which didnt have any sense She told me XXXX didnt pay-not true I contact them It wasnt pleasnant conversation because I couldnt receive any answers, which had sense.I asked of direct number to the billing office so I can call and confirm that debt.She told me, she didnt have it So I asked her, how she expects me to pay money which I dont know what is this for.The answer was " Miss, it just XXXX $ Really? Finally she hang up on me..I have a feeling that, this is fraud.Our conversation was probably recorded.Dont know, what to do.Please help me with this The billing office said they didnt know the collection company.XXXX  XXXX
Product: Debt collection

XXXX  / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX / {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Against TransUnion for XXXX to Update Rental Payment Information Dear CFPB, I am writing to formally lodge a complaint against TransUnion regarding their refusal to assist in correcting and updating my rental payment information for the months of XXXX and XXXX, as reflected on my rent ledger provided by XXXX. 

Despite my repeated efforts to resolve this matter directly with TransUnion, they have willfully failed to comply with the requirements set forth under the Fair Credit Reporting Act ( 15 USC 1681n ). This violation of my consumer rights is causing significant distress and potential harm to my credit standing.

Under 15 USC 1681n, any consumer reporting agency that willfully fails to comply with the requirements of this subchapter is liable for damages, which may include {$1000.00} per violation, actual damages sustained, punitive damages as the court may allow, and costs of action including reasonable attorney fees for any successful action to enforce this liability. 

I am prepared to pursue legal action against TransUnion for these violations and seek the appropriate damages. I kindly request that your office investigate this matter and provide assistance in ensuring that my rights as a consumer are upheld. 

Thank you for your attention to this serious issue. I look forward to your prompt response. 

Sincerely,
Product: Debt collection

This company claims I owe a debt, but I have never had a relationship with UNITED REVENUE CORP . They illegally report 3 incorrect accounts to all credit bureaus, which is affecting me tremendously. I sent the first letter on XX/XX/22 and the second letter on XX/XX/22 requesting validation, but this request fell on deaf ears, yet it is still on my credit report. I am under the impression that All credit bureaus and UNITED REVENUE CORP received my letter because my credit report notes that it was in dispute. My question is, Why have I noted received any validation of this account? Also, the balance is not the same as the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that you still need to verify this account legally and have allowed incorrect and possibly fraudulent information to continue reporting on my credit file, you are required to remove this account immediately from my credit report. This violates so many FCRA and FDCPA requirements. Also, All credit bureaus and United Revenue Corp violate HIPAA. I never gave consent to the original creditor to share any medical information. If I am forced to take this to court and hire an attorney, I will seek { {$3000.00} } per violation. I will attach the letter that was sent 3 months ago. You will also see the mailed date and time stamp on the letter. Please investigate once again and remove these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian in regards to a Security Freeze I placed on my Credit File after having a credit card compromised and a subsequent loan opened under my name fraudulently. I having been trying to get the security freeze temporarily lifted for an auto loan provider without any luck. The insanity of the credit bureau for me to authenticate myself is to mail a copy of my social security card - which is a completely insecure route.

The monopoly that exists by the three credit reporting agencies is unheard of for any other industry.
Product: Credit reporting or other personal consumer reports

This agency is in violating of multiple FCRA violations according to title 15 us 1681, Gram Leach Bily Act, Privacy Act of 1974 and Uniform Commercial Code. I have sent in several affidavits of truth, FTC report and supporting documents to remove inaccurate information on my consumer report. I don't have any contractual obligations with any of these entities nor will I in the future XXXX # XXXX  {$29000.00} Account : XXXX XXXX XXXX {$36000.00} XXXX XXXX {$9600.00} 15 U.SC 1681 section 602A states I have the right to Privacy 15 U.SC Section 604 Section 2, also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 G, states I the consumer am entitled to full disclosure during any dispute. This agency refuses to send me their method of verification violating the rights I have under congress I demand these accounts be Deleted or I will enforce my right to file a federal claim under 15 USC 1681n
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I requested all three credit reports from Annual Credit Report Request Services using their form, which I sent via US mail. I have used this company on prior occasions with no issues ; however, this was the first time I had requested my credit reports since moving to another state last year. ( Copy of request attached. ) On XX/XX/2024, I received a postcard from TransUnion stating they needed additional proof of my address to complete the request. They provided a file number. ( Copy of postcard attached. ) On XX/XX/2024, I responded to TransUnion in writing via US mail. I included a copy of my new state driver 's license, a copy of my year lease showing my name and address, and the file number provided by TransUnion in their postcard. ( Copy of my response attached. ) On XX/XX/2024, I received correspondence from TransUnion stating they would not provide my credit report as the information ( driver 's license and lease ) were not good enough to verify my identity. 
It is important to note that a ) our lease includes all utilities ( so I have no bills to send copies of ), I am currently a homemaker ( so I have no paystubs to provide ), and that the file number TransUnion provided was sent to the address I have provided proof for and included in my response, and c ) I don't believe I should have to provide my personal bank statement ( as is one of the " qualifying '' documents listed. ) Shortly after I received a postcard from Annual Credit Report Request Services would not provide my credit report. ( Copy of postcard attached. )
Product: Checking or savings account

My account was negative from bounce check I clear the negative balance they won't let me access my funds nor close my account and mail me a check
Product: Mortgage

Buyers applied for a mortgage more than 60 days ago. The ChaChase Bank has approved this borrower, however, they are hholding loan in underwriting because the borrower has aXXXX with XXXX and he is taking XXXX because he isover XXXX years old. XXXX has been asked to document the eexact amount of distribution monthly, which they ca n't do-so the tax tables have been provided, and they have explainedreturns on investment accounts are variable ... yet haveprovided a letter and tax tables ... The income e is less than $ XXXXpermonth and does not impact the borrowers ability to qualifyfor loan. This is ridiculous! We have missed closing by 21days. Outrageous!
Product: Credit card or prepaid card

Navy Federal Credit union is charging us over 14 % interest in credit card. We have asked them to support SCRA for military and was turned down. With 14 % interest we will never pay down our debt. This bank is suppose to support military but instead only wants money. Other companies who are not Military affiliated supports SCRA.
Product: Checking or savings account

I closed my account ( ending in XXXX ) on XX/XX/2023. I received a notification in the mail dated XX/XX/2023 that my account was overdrawn in the amount of {$12.00}. How is it that Chase has approved charges to an account that was closed a month prior.
Product: Checking or savings account

I cancelled a cashiers certified check for {$2000.00} sinceXX/XX/XXXX and i am still waiting for the funds to return to my account. That is more than a 104 days. I keep calling and going to the branch and noone can tell me what is going on. The branch says to call customer service and customer service says to go to the branch. Because of this hold up. My automatic bill payment checks have bounced. The bank has charged me fees and blocked my account. 
My billers has also charged me fees. By the time they give me my money back it will just cover fees i incurred because of their lack of organization and fairness. 



I will never buy a certified check again.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Transunion, Thank you for your response regarding my dispute. However, I am disappointed that your response did not address the issue that I raised in my original complaint. My concern was regarding the misleading information on your website and the unauthorized payment attempt on my credit card, not the credit monitoring product that I enrolled in. 

I would appreciate it if you could provide a more thorough response to the concerns that I raised in my original complaint. Specifically, I would like a response to the following : What measures has TransUnion taken to ensure that similar incidents do not occur in the future? 

What is the status of my dispute regarding the inaccurate information on my credit report? 

What steps is TransUnion taking to ensure that the information on your website is accurate and not misleading? 

Why is the site not showing my credit information and what is being done to fix this matter? 

I understand that these are important issues that require time and attention to resolve, but I respectfully request that you provide a timely response to these concerns. As a consumer, I have the right to accurate and complete information about my credit report, and I expect TransUnion to take this matter seriously. 

Thank you for your attention to this matter, and I look forward to hearing back from you soon XXXX XXXX
Product: Credit reporting or other personal consumer reports

am writing to file a formal complaint against TransUnion for its repeated refusal to conduct a reasonable investigation into disputed items on my credit report and its failure to provide requested information, despite multiple requests and provision of necessary documentation. 

On XX/XX/2024, I diligently submitted a dispute letter to TransUnion via USPS certified mail Tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, requesting details on how they verify the accuracy of the information on my credit report. Specifically, I asked for specifics such as the date of verification with the creditor and the furnisher, contact information of the creditor and the furnisher, the name of the person who verified the information, the method of communication used for verification, and whether the creditor and the furnisher provided my Date of Birth, SSN, and Address. Despite providing ample evidence to verify my identity and address, TransUnion once again refused to conduct the requested investigation. 

Subsequently, I received a response from TransUnion, dated XX/XX/, which stated : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is inadequate and fails to address the substance of my dispute and inquiry. Additionally, Under the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the completeness or accuracy of any item of information in their file at a credit bureau, the bureau is required to conduct a reasonable reinvestigation to ascertain the accuracy of the disputed information. 

TransUnion 's repeated refusal to conduct a reasonable investigation into the disputed items on my credit report and its failure to provide requested information are clear violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). As per the FCRA, credit bureaus are required to conduct a reasonable reinvestigation when the completeness or accuracy of any item of information in a consumer 's file is disputed.
Product: Checking or savings account

On XX/XX/XXXX  I received a certified check for a closed account at Chase Bank. I deposited that cashiers check into XXXX XXXXXXXX XXXX account. They are saying the check received was fraudulent and not issued from Chase Bank. The name of the company is XXXXXXXX XXXX XXXXXXXX XXXX. They have been on hold at XXXX XXXX XXXX  since XX/XX/. Please assist. Why would they say the funds are fraudulent.
Product: Credit card

I thought the chase plans were allowing no interest plans all of a sudden but I see that the first one was free but the second one was not free. I was unable to cancel over the phone or by app thus I was told to pay the statement in full to clear this. This should be incorrect and I should have been allowed to cancel any pending plans but ultimately the paying in full resulted in a fee that I did not agree to. 

I am disputing the fee of {$2.00} which I could not cancel or dispute on the credit card. 

I should be able to shutoff the chase plan option on the mobile app due to these deceptive marketing of zero interest plans.
Product: Debt collection

Freedom Debt Relief has been deceiving from the the start. I signed up for their program on XX/XX/XXXX and have been doing everything they advise on their welcome packet and their client website. 
As a result of that, on XX/XX/XXXX I have been sued for 2 accounts and I have the following issues.

1 ) The company promised to negotiate settlements with creditors, but the service actually required the consumer settle their own debts. In this case, I have received a notice of default from one of the lawsuits, which basically means that they have done nothing. 
It misled its customers regarding the fees they charge. The company made consumers believe they only had to pay a fee when the debt got settled. The way it works, is that they send the first check for {$25.00} and they take all their fees after that. They do not disclose this on any of their documents. I found that out by looking at the ledger, I do see other fees that don't know what they are for. 
It misled its customers regarding the extent of its services. They tell you not to answer to the lawsuit or legal documents, instead, upload everything to their website as they pass the information to their partner network. There's a disconnect there, because they have done nothing and now I'm facing an affidavit of default where I have 10 days to respond. 

Also, Freedom Debt Relief has failed to notify its customers that some of the creditors hired to settle debts with had previously refused to negotiate to settle debts with third parties even when I called numerous times to get status on my case, no one knows anything and just tell me to call next week. 

This is my second complaint filed on CFPB regarding the listed above and nothing has changed.