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

TransUnion, TransUnion LLC, TransUnion XXXX XXXX XXXX and TransUnion XXXX XXXX has been listing fake accounts and inquiries on my credit report that I have never authorized. They have been listing fake credit scores ( XXXX and XXXX ) on my credit report that has caused extreme harm to my financial reputation and has caused me to lose job opportunities with some of the greatest companies in the world. The fake information that has been reported to TransUnion, TransUnion LLC, TransUnion XXXX XXXX XXXX and TransUnion Consumer Services by these creditors is listed below : XXXX - Account number XXXX, XXXX XXXX - Account number XXXX, XXXX XXXX - Account number XXXX, INQUIRIES XXXX  / Inquiry date XX/XX/2023 I have requested contractual agreements from these so called creditors that bear my name saying I agreed to any terms and they have not produced and/or sent me any documentation, so how has TransUnion, TransUnion LLC, TransUnion XXXX XXXX XXXX and TransUnion Consumer Services been able to verify and validate that this fake information listed on my credit report is 100 % true and authentic?
Product: Checking or savings account

XXXX My Chime account was hacked and suspended for fraudulent activity in XXXX XXXX I live in the USA and have been to XXXX, bought anything from XXXX or communicated with people from XXXX. 
They transferred close to {$5000.00} between my checking and a credit card that was created via my account. 
Literally filed 4 different disputes only to be gaslighted into thinking that it was my fault that someone else hacked my account and got a credit card via my Chime account. 
After unnecessary back and forth with the customer service reps and sending a number of emails with my face next to a white piece of paper just to prove my identity, they FINALLY agreed with me but could only give me $ XXXX {$5000.00} back. 
The remainder funds that were stolen were placed on a Chime Credit card and spent entirely. Chime even tried to send me a bill for the fraudulent charges and till this day, still won't give me the rest of my funds ( {$3300.00} ) that were stolen from me. I have all of the documentation if needed as well. 
This went on until I gave up in XXXX of XXXX.
Product: Credit card

XXXX informed us of a fraud situation. 
They resolved that issue, informed us and for some reason sent us a check for {$98.00}. 
We cashed that and sent them a check for that same account- which they finally acknowledged receiving ( we have a copy of that letter ) The charge card had not been used for an extended period before the above events. 
We now get a monthly bill for fees We have talked to several people at XXXX but those conversations did not stop the monthly fee charge. 
They also say they can not cancel the card because od the outstanding balance Help! 
Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent each credit agency letters stating that the information they are reporting does not belong to me. Each agency is reporting names and addresses that does not and have never belonged to me. 

this is incorrect and needs to be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX I have never lived at these addresses 1. XXXX XXXX XXXX XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 3. XXXX XXXX XXXX XXXX, CA XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 5. XXXX XXXX XXXX XXXX, CA XXXX with all of the fraud and data breeches with the credit agencies I need my information to report legally and correctly on my file. 

I am submitting my id and social please update my name as it stated on these documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and saw I had some inquiries that wasnt mine. I didnt give these company permission to run my credit XXXX XXXX XXXX  XXXX on XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XXXX XXXX XXXX  on XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.I also have a fraud account on my credit report XXXX XXXX I account number XXXX this is not my account please delete immediately
Product: Debt collection

A single violin ( " product '' ) was purchased and paid for in XX/XX/2018. XXXX XXXX XXXX XXXX ( " XXXX XXXX XXXX '' ) failed to deliver the product. XXXX XXXX XXXX was contacted regarding the failure to deliver. When the product was finally received, it was damaged. XXXX XXXX XXXX was contacted again and a replacement was sent. After receiving the replacement, XXXX XXXX XXXX requested that the damaged product be returned to them.The damaged product was packaged and set outside for pickup by XXXX ( XXXX XXXX XXXX agreed to arrange a pickup ). XXXX  never showed up. XXXX XXXX XXXX then ran an unauthorized charge on my account for the damaged product they failed to pickup. This charge was disputed. XXXX XXXX XXXX was informed and apologized. The aforementioned is in writing and is attached. 

Thereafter, XXXX XXXX  XXXX has attempted to collect on the disputed charged for the damaged item they failed to pickup. XXXX XXXX XXXX has sent the non-existent debt to a creditor, Transworld Systems Inc. ( Account XXXX. : XXXX ). Transworld Systems Inc.is attempting to collect on a non-existent debt in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
Product: Student loan

I started college with financial aid. I was offered a direct loan by the registrars office with XXXX foundation. I got bought out thru Navient. My credit report has me owing over {$29000.00}. I went to school for 1 semester. I received like {$11000.00}. My credit report has each time my loans were switched and/or bought out from another company added to my credit report. I thought it would switch from one to another. This has not happened. I do not know how much the loans were sold for but it 's like they double or even triple. I actually withdrawn in 2016 from the XXXX and I tried to attend again ; I was told I owed the school {$700.00} to {$900.00} because of some strange reason. I took care of my mother for 4 years until she passed away on XX/XX/2016. Now I planned on attending college again but it seems as if will be purchasing a house for my college degree.
Product: Credit reporting or other personal consumer reports

I requested TransUnion to remove the inquires due to fraud, XX/XX/year> and sent fraud report and asked to to block all inquiries due to freeze I also asked to remove all information they I didn't give authority to post on my account anything that's over XXXX  years and I asked a full investigation properly the law states, FCRA section 605B it is illegal to report information on my credit report without my permission and I asked them to remove items
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to you today to request that you remove the fraudulent accounts and information off of my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following accounts off of my Credit File : XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$17000.00} XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$20000.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a complaint with the CFPB because its impossible to access TransUnion 's dispute page ( their server is ALWAYS down ) about a closed account, XXXX XXXX XXXX that should have been removed ACCORDING TO TRANSUNION 'S OWN CREDIT REPORT. 

They replied back through CFPB that they're still " investigation '' and will reply within 60 days. 

How preposterous! What an egregious abuse of power when all they had to do was look at their own report. 

Of course, as usual, the CFPB does absolutely nothing!!!
Product: Checking or savings account

Opened on line cd account on XX/XX/2020 around XXXX with Marcus bank of Goldman Sachs on line and called back at XXXX XXXX and XXXX XXXX to make a stop on transferring funds of $ large amount from my bank. 

I called the number provided by the website and that turned out to be a call center. 
I asked if I should make a stop order with my bank but the call center personal told me that they can do this fro their end and that I need not have to take any action by me talking to my bank. She asked me to check in couple of days.At this time funds were still pending in my account on XXXX of XXXX. So I was thinking they got my request and stopped opening my cd account. To my surprise the funds went to Marcus bank upon checking my account on line. Again I called on XXXX at XXXX pm, to same number provided by Marcus and of course found different personal to answer my phone and told me it might get two to three days to get approval to return my funds without penalty.. 
They would not call me or send email on their action and I need to call them back and check. 

I called back on Tuesday XXXX morning at XXXX XXXX  since no funds were deposited back back to my were they were originated. I was still given the prototype answers and refused that I can talk to their supervisor on duty. Since the call was answered by call center, I requested if they can connect me to the bank directly or can put me in touch with the bank manager/officer. My request was not honored and told me to check back now after two to five business days. I called back again on Friday XXXX XXXX and was told still being investigated by a special department and might take another 2 to 5 business days. Now I was worried since my daughter just had a baby and was in need of financial help. 

I called back today morning on XX/XX/XXXX to check and was told the penalty would be simple interest for 270 days. Please note that I called to cancel my account before getting funds from me and now they are trying to rob me with that penalty. 

I strongly demand that my funds of XXXX is immediately returned to my account and stop kiting with my funds that was stopped within an hour of request of opening account.
Product: Debt collection

Got letter mailed XX/XX/XXXX saying I owed {$400.00} with no explanation of what for.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia, XXXX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX Midland Credit Management XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Request for Debt Validation Account No. XXXX Dear Midland Credit Management, I am writing to formally request validation of the debt associated with the account number XXXX, as reported on my XXXX credit report dated today. I have identified several discrepancies and errors related to this account that necessitate further clarification.

Errors Identified : 1. Original Creditor Information : The original creditor is listed as XXXX XXXX, but I have no record of this account.

2. Balance Discrepancy : The balance reported as {$1100.00} does not align with my records. I request a detailed breakdown of this amount.

3. Payment History : The reported payment history appears inaccurate, and I would like to see a complete payment history for this account.

4. Disputed Account Status : The report indicates that the account information is disputed, which requires further review and validation.

5. Additional Reference : 15c 1692 g - This refers to the Fair Debt Collection Practices Act ( FDCPA ), specifically section 1692g, which requires debt collectors to provide a validation notice to consumers. This notice must include the amount of the debt, the name of the creditor, and the consumer 's right to dispute the debt. 

According to the FDCPA, I have the right to request validation of any debt. I am requesting that you provide the following information : XXXX. A copy of the original signed contract or agreement with XXXX XXXX  showing my responsibility for this debt. 
XXXX. A detailed statement of the amount owed, including any fees or charges applied. 
XXXX. Documentation of the payment history for this account.

4. Verification that you are legally authorized to collect this debt.

Given the errors found in this report, I also believe that I am entitled to compensation of {$1000.00} for each identified error, totaling {$4000.00}. Please include a response to this request along with any supporting documentation within 30 days, as required by law.

Furthermore, until this matter is resolved, I request that you cease all collection activities on this account, including reporting to credit bureaus, until proper validation has been provided. 

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

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

On XX/XX/2023 In accordance with the Fair Credit Reporting Act 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 written instructions 15 U.S.C 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 I have spoken to XXXXXXXX XXXX  Fraud Dept XXXX and they advised me case # XXXX for account # XXXX should not be reporting as late ( {$140.00} ) and the account is closed. 


XXXXaud Dept. XXXX  Phone # XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as, failing to forward consumer- provided evidence to furnishers accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE MOVED FROM XXXX  XXXX XXXX TO XXXX  I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX XXXX   HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANY-THING. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : 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: Checking or savings account

XX/XX/year> XXXX transactions for the amount of {$2000.00} to the XXXX were taken from my checking about. They were unauthorized charges through my debit card. I immediately called the claims department at Wells Fargo to submit the claim when the first transaction happened. While I was on the phone with the claims department representative the second transaction happened. At the same time an unauthorized tele-transfer of the amount of {$1300.00} was pulled from one of my savings to my checking account. I demanded the representative freeze the account immediately to stop the fraudulent transactions. We have since closed those account and opened new ones with the same bank. 
The claims department sent a letter by main XX/XX/year> which we received XX/XX/year> stating that after their research they found the charges were made by me or someone I gave permission to. That they will be pulling the temporary credit of {$4000.00} from our account XX/XX/year>. 
The charges were made in XXXX, XXXX. I have never been to that city. I reside in XXXX, XXXX.
Product: Credit card or prepaid card

I believe that Citibank has violated us our rights and protections under the Servicemembers Civil Relief Act ( SCRA ) by charging exorbitant fees and interest for a disputed charge on his government-backed Citibank credit card while my husband is XXXX overseas. 

In late XX/XX/XXXX ( around XX/XX/XXXX ), my husband was XXXX to XXXX. This XXXX happened very quickly and unexpectedly, and it occurred while my husband was in the middle of a permanent change of station ( PCS ) move. My husband used his government issued Citibank credit card to cover the costs of his PCS move. 

In late XX/XX/XXXX, after I reviewed my husbands statements, I discovered that he was double charged for a move-related expense. A merchant charged us twice for the same bill : first on our debit card and the second charge was to his government-issued Citibank card. I was not sure how to respond since the card was under my husbands name and was the responsibility of/tied to my husbands unit in the XXXX ( his unit is based out of XXXX XXXX XXXX ). At the time, and even as of this writing, my husband and his unit were inaccessible because they were deployed and in special training.

In late XX/XX/XXXX, I made a payment in the amount of {$140.00}, which was the true balance that was outstanding ( i.e. the payment did not include fees ). I thought it would be best to pay the principal amount even though it was in dispute and file a dispute when my husband returns from his XXXX. 

On XX/XX/XXXX, I sent a certified letter to Citibank indicating to them that : 1 ) my husband was XXXX and that under the SCRA they shouldnt be charging fees or interest while hes XXXX ; 2 ) the amount citibank used as a basis for exorbitant fees was being disputed. Unfortunately, Citibank proceeded to garnish my husbands wages. 

My husband has spent hours trying to resolve this matter, however, because he is XXXX, he has limited access to resources who can help. Additionally, this has added unnecessary stress on my husband. We believe that Citibank should not charge any fees or interest while my husband is XXXX, and we believe that Citibank should return all the money theyve garnished from his wages ( about {$700.00} ). Finally, we believe we are entitled to punitive damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to CAPITAL ONE there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction
Product: Debt collection

IT HAS BEEN HELD IN XXXX XXXX XXXX THAT DEBT BUYERS COULD QUALIFY AS DEBT COLLECTORS. THEREFORE, LVNV IS IN VIOLATION OF THE FDCPA FOR FAILING TO XXXX ALLEDGED ACCOUNT ILLEGALLY REPORTING ON MY CREDIT FILES UNDER ACCOUNT # XXXX. 
LVNV RECEIVED MY VALIDATION REQUEST I SENT VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED AND A DISPUTE TO CREDIT BUREAUS DISPUTING THIS ALLEDGED DEBT IN ITS ENTIRETY ALSO SENT CERTIFIED MAIL. 
LVNV IS IN VIOLATION OF THE FCRA AND FDCPA FOR NOT MARKING THIS ACCOUNT AS DISPUTED.I HAVE COPIES OF CREDIT REPORTS ALONG WITH DATES FROM CERTIFIED MAIL RECEIPTS AND CREDIT REPORT FILE # NUMBERS ON CREDIT REPORTS SHOWING BEFORE DISPUTE AND AFTER. 
I AM A LITIGIOUS CONSUMER AND WILL NOT ALLOW MY RIGHTS TO BE VIOLATED. I WANT THIS INACCURATE, INJURIOUS ACCOUNT REMOVED IMMEDIATELY FROM MY CREDIT REPORTS.THIS ACCOUNT DOES NOT BELONG TO ME.
Product: Credit card or prepaid card

On XX/XX/XXXX a charge to XXXX XXXX  XX/XX/XXXX PURCHASE XXXX XXXX NV for the amount of {$840.00} was taken out of my account. I contacted the merchant on XX/XX/XXXX when I realized the charge, I immediately called the hotel to get refunded. The hotel advised they would issue the refund, I never received my funds back so I contacted the hotel again via phone and they advised me to contact BANK OF AMERICA. 

I filed a dispute with BANK OF AMERICA on XX/XX/XXXX and was told I would receive my funds in 24-48 hours due to it being expedited due to hardship since my account is now in the negative balance and the funds are intended to go towards my rent which I am now days late on. I have called countless times over the back week to get an update on my funds that are supposed to be accredited temporarily and I have received extremely different feedback from every representative and supervisor that have answered my call, some say my hardship request was approved and I will receive my credit in 24 hours and an equivalent amount say my request has been denied or is still pending. 

I am filing this grievance because I dont know what to believe anymore. I feel like I am constantly getting lied to by the representatives and supervisors at BANK OF AMERICA, and now I am in extreme fear and anxiety of facing homelessness because I can not accurately provide my landlord a request to pay at a later date since no one has been able to give me an accurate status or timeframe on my credit. 

Please help me, I really need the credit expedited to my account as soon as possible. I am extremely desperate.