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

I reached out to Transunion via certified mail to inform them that inquiries were on my credit report that I didn't authorize, and they released my personal credit information without my consent. Transunion responded by sending me a letter stating that inquiries are factual and will remain on my report for 2 years. I sent another letter to Transunion requesting proof that I authorized the release of my personal credit information to the unknown sources listed in the inquiry section of my credit report. Transunion responded by sending me an identical letter to the first one which leads me to believe that this incident was never investigated, and Transunion is sending out automated responses to consumers. 

The following unauthorized inquiries are listed on my Transunion credit report XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On Wednesday, XX/XX/18 I opted to utilize two balance transfer checks to take advantage of an intro APR. One check for {$5000.00} deposited to XXXX and one check for {$1200.00} deposited to XXXX. This was within my credit limit including the transfer fee. 

On Thursday, XX/XX/18 I received a call from the fraud department to verify the activity at XXXX. I called back at XXXX and was on hold for 55 minutes before speaking to someone who told me that the fraud department is already closed. Not to mention that the voicemail I have said that I can reach them 24 hours a day, 7 days a week. 

I tried to call back this morning, Friday, at XX/XX/18 and could not get through. The check I wrote to XXXX has already been returned and will make me incur fees. I called the executive office and the operator is unavailable and the mailbox is full so it doesn't accept voicemails. 

I finally went to a branch to prove identity and my Drivers License with current address is not enough, they want a copy of my lease. I am willing to do that but now they said they don't handle placing the funds back into the other banks or handle fees by other banks. I asked the service rep if they can ACH the funds back to XXXX and she had to ask her manager because she did not know what ACH is ... I've been in banking for 20 years. This is completely unacceptable. 

I've attached a screenshot of the transcript from the voicemail left on my phone which states that I can reach them 24/7 and also has the time they called me.
Product: Credit reporting, credit repair services, or other personal consumer reports

IDENTITY THEFT NOT RESOLVED Source XXXX Alert Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$54000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name XXXX XXXX XXXX XXXX XXXX XXXXhone Street Address XXXX XXXX CREDIT BUREAU DISPUTES City XXXX XXXX NC Zip XXXX
Product: Mortgage

I'm absolutely livid with the experience so far with Ally/XXXX They bait and switch on their rates and credits/points. I downloaded my purchase agreement with a rate lock indicating 3.375 % with a {$240.00} credit. However, after the download into their system, to my disbelief, I locked in at 3.375 % with a {$300.00} charge. It really irks me when i get baited and switched, especially since I have had a banking relationship with Ally for several years. That bait and switch would of never happened with a live person. In addition, they do not respond. I have emailed and called into the aforementioned complaint. They're quick to get an appraiser out to the house to get your hard-earned money. and they simply ignored my request to delay the appraisal for 10 days. In addition, I requested them to send me an invoice of the cost of the appraisal because their policy is to refund the difference if it is less than the initial charge. I received an email from their employee. XXXX XXXX that it is the bank 's policy not to send you an invoice of the charge. That is simply unbelievable and there is a class action suit going on in regard to that. I expect better from this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

UNIVERSITY XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$410.00} XXXX XXXX {$300.00} XXXX XXXX {$870.00} XXXX XXXX {$180.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX {$290.00} XXXX XXXX XXXX {$160.00}
Product: Mortgage

My mortgage company was switch three months ago to Nationstar Mortgage and I never received up to date statement. I try calling them, every time I call they telling me that they will male it. Even I made my payment for XXXX 2015, I just received letter today that they did not received my payment!!!!!!!!!!!!! Worst experience ever.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XX/XX/XXXX Trans Union Attn : Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX : Letter of Authorization Dear Sir/Madam, I, XXXX XXXX , residing at XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX hereby issue this formal authorization to Trans Union XXXX XXXX the following inquiries from my credit report : Inquiries : Date : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have recently communicated with a representative from Trans Union who has provided guidance on the necessary procedures for such requests. 

I request that immediate action be taken to remove these inquiries from my credit report to ensure its accuracy and integrity. 

Your prompt attention to this matter is appreciated. 

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

I was in the process of trying to get approved for a mortgage and was denied because of the collection agency violating my consumer rights with false misleading misrepresentation of information on my XX/XX/XXXX, equifax, an XX/XX/XXXX credit report. I'm not liable for debt with the creditor.I don't have any contract with any these creditors below. The creditors below are in violation of 12 CFR 1006.34 ( d ) and USC 1681-S2 ( 7 ) ( A ) Please delete the unliable unauthorized debt on my XXXX equifax an XXXX account immediately : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to notify you about all accounts which were opened not by me. After divorce with husband he could not sue a lot, but he had all my personal information like copy ssn and Dl. He applied for a few accounts using my name, but different addresses. He used to all credit card which opened on my name and did not pay. I did not know anything until recently. I went to police department to have affidavit and also I was trying to sue him. No one of these account are not belong to me or any transactions made by me. He used my personal info to open these credit card. I spoke with all banks and they will remove all debts. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need to remove from all 3 bureaus. The reason I have been a victim of identity theft fraud. I have no idea of any of  these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit bureau scores dropped over XXXX points after I was incarcerated in XXXX I was the victim of ID fraud. 

There are dates of inquires that could not possibly have been made by myself as I was incarcerated. The bureaus are not removing these hard inquires. I did not approve nor make these inquires. mortgage inquires are counted as one Inquiry during a 30-45 period on one 's credit report. I have at least three inquires that are reported as mortgage-related. 

Mortage credit hard inquires on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are false and would still only count as ONE inquiry If I had actually made the inquiries. 

ALL THREE CREDIT BUREAUS REPORT HARD INQUIRIES THAT WERE FRAUDULENT and the RESULT OF ID THEFT. I DID NOT MAKE THEM. I HAVE PROVIDED LEGAL DOCUMENTATION FROM THE DOJ AND FEDERAL DEFENDERS OFFICE TO NO AVAIL. 

I HAVE CHANGED ALL CREDIT CARDS AND NOTIFIED MY BANK THIS PAST XXXX. XXXX.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my confusion regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

As you know, I have submitted the required FTC report to the Federal Trade Commission regarding these fraudulent accounts. Following this submission, XXXX and XXXX have removed these accounts from their records. 
I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

It is crucial to recognize that as a credit bureau, you are legally required to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in resolving a dispute I have with XXXX XXXX XXXX regarding the inaccurate reporting of a charge-off account on my credit report. I believe that the reporting of this charge-off is in violation of the Truth in Lending Act ( 15 U.S.C. 1601 ) and should be corrected immediately.

As per 15 U.S.C. 1601, creditors are required to provide accurate and fair disclosure of the terms of consumer credit transactions. The reporting of a charge-off on my credit report has not only adversely affected my credit score but also reflects inaccurate and misleading information about my credit history. I believe that the reporting of this charge-off is not in compliance with the fair and accurate reporting standards mandated by the Truth in Lending Act. 

I have made several attempts to resolve this matter directly with XXXX XXXX XXXX, but I have not received a satisfactory resolution. Therefore, I am requesting the CFPBs intervention to ensure that the inaccurate charge-off is removed from my credit report and that my rights under the Truth in Lending Act are upheld. 

Please find attached copies of relevant documents, including my correspondence with XXXX XXXX XXXX, credit reports showing the charge-off, and any other supporting evidence. I kindly request that the CFPB review this matter and take the necessary steps to have this incorrect information removed from my credit report. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

You are in Direct Violation of the Fair Credit Reporting Act - XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A, Clearly states that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer can not furnish an 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 Remove these late payments and update this account immediately as you are in direct violation of serveral laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ) .However, in my records I am unable to locate  documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA . Also, XXXX XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation. XXXX XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX XXXX XXXX is in compliance with OHIO LAW. ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX XXXX XXXX has not even tried to contact me regarding this
Product: Debt collection

I disputed items inaccurate on my credit report. debt not owed, I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency
Product: Debt collection

I purchased a XXXX from XXXX close to 2 years ago. I was told by the sales clerk that the one I picked out for XXXX dollars was not a good XXXX, so she directed me to a more expensive one that was over XXXX dollars for the device and XXXX a month. It is a device that allows you to have wifi service through XXXX without having XXXX in the home you are in. She told me that XXXX of the XXXX dollar one would be refunded after 60 days of having it. So I bought it. I also, of course, had to sign a XXXX yr contract for it. When I took it to where I work since there was not internet service there, it had continual horrible service. I called 3 times over a two week period to speak to customer service and they said there was nothing they could do and that I could not bring it back. They also said that if I tried to get out of my contract there would be a fee for it. They also said there was no rebate on that device, and that the sales person lied to me, but even if there had been there still would n't be no rebate if I cancelled the service for the XXXX. I was told that the charge would be XXXX dollars. My dispute was that if I kept paying on a product that did n't work for the next three months ... that would be more than my rebate that I still had n't seen as promised. I got nothing but a continual lies from them. XXXX customer service was so rude that I just told them I needed to hang up. I could n't take it anymore. I still had my XXXX phone service but disconnected my XXXXI and then I paid my cell phone along with my early disconnect XXXX fee. I tried a few more times to try to get the charge taken off since it never worked in the first place and I should n't have to pay on something I ca n't use AND that I should n't have to pay just to get back a rebate that some sales person said I was entitled to and then another said that I was n't. All of this just drove me crazy so I gave up. I paid my phone bills and then just dropped XXXX since I had been with them for so long that I no longer had the initial contract with them. It is now and has been for a long time on my credit report under XXXX different companies and is bringing down my score. It is upsetting and I do n't know what to do anymore.
Product: Debt collection

According to the FCRA section 605B it is illegal to report information on my credit report without any permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, NISSAN-INFINITI XXXX ( Account Number : XXXX Balance Owed : {$4300.00} Date Opened : XXXX XXXX, 2019 ) has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I woman of flesh have mailed certified letters to all 3 credit bureaus an collection agencies to remove all negativity off my record cause by constitutional laws I did not give authority for these 3 credit bureaus to establish no account an by record my custodian parents did not authorize either. I have ask twice to remove everything from my record an they have failed to do so..i have paperwork I sent an also RECORED calls to all 3 bureaus. So I 'm coming to you as a natural person not no US CITIZEN but original human to please clear my record clean an free from all neccesaties on my credit report making me drown in slave debt wen I 'm the bank an dey the debtor. So for the one 's who sold my information to these collection agencies to collect a debt is in fraud, defamation of character, identity theft. Amendment 14 is powerful an the fakes agencies playing against laws so this will be my last time trying to fix this. 30 days from today of this complaint with no action I will proceed forward with federal law suit. Thank You, sincerely, XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX  XXXX Balance : {$350.00} XXXXXXXX XXXX XXXXXXXX Balance : {$350.00}
Product: Money transfer, virtual currency, or money service

Earlier this year I contacted a breeder to purchase a puppy. I made the initial purchase transaction on XX/XX/2021 for the amount of {$1000.00} ( Transaction ID is XXXX ; ORG ID : XXXX ). I was told the puppy would be delivered to me in the next couple of days. A couple days later, I was contacted by the transport company and told I needed to pay {$1400.00} for permits and shipping but that the funds would be returned in full to me upon arrival of my puppy. I paid the {$1400.00} on XX/XX/2021 ( Transaction ID XXXX ; ORG ID : XXXX ). After a couple days of not hearing much, I reached out to the breeder and transport company to see what was going on. I was told that I needed to make one more payment for a permit to make sure my puppy arrived to me safely. I paid another {$1000.00} on XX/XX/2021 ( Transaction ID XXXX ; XXXX  ID : XXXX ). Shortly after making the transfer, I realized I was a victim of fraud and this was a scam. I immediately called my bank and requested them to stop the {$1000.00} transfer as it was still pending. I was told they would stop it immediately and the funds would not leave my account. A day later I checked, and the funds were gone. I have reached out to the company ( scammer ), to XXXX, and the my bank to resolve this matter. I have not been able to get in touch with the scammer, XXXX has blocked them on the platform so I can't contact them that way, XXXX has been unresponsive, and Citibank has been unhelpful. They promised to stop the funds from leaving my account and did not keep their promise. I have done everything I can to resolve this but they have also not helped me recoup the funds. I opened a case with the bank and was told they can't help me but that I can appeal and send a letter with supporting documents to dispute it. I sent the letter and documents twice and never heard back. When I called, they told me that for this type of case a dispute letter and documents are not used or allowed. I have spent hours with my bank and have been given so much differing information and no resolution. I have even tried escalating the case the the highest levels at the bank with little response. I unfortunately was scammed and a victim of fraud and have spent a ton of time trying to make this right. My bank has offered little help or response and I am hoping for resolution. I at least expect the {$1000.00} XXXX sent on XX/XX/XXXX to be returned since I was told the bank would stop the transaction. I am extremely disappointed and frustrated. The bank has done nothing to protect me or track down the scammer. I expect my bank to resolve this matter for me and return my funds.
Product: Student loan

My complaint is genuine. I 've sent in a forbearance payment which was XXXX dollars for XXXX signature loans to this cover up XXXX XXXX now Navient student loan company. Some staff member did not follow through what was submitted. I 've contacted the better bureau business about the company as well. The Navient feedback was a fraudulent submission. As as of now they did n't keep they word regarding the terms and conditions which were complied in the letter. They continue to call everyday using fraudulent out of state numbers which is very harassing after the company knows I am unemployed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud on this credit card account with XXXX XXXX XXXX XXXX. They have repeatedly ignored my requests and will not answer my questions. They have been silent on the issue. They have now charged off the balance and it is now negatively affecting my credit scores on all agencies.