23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

This complaint concerns XXXX XXXX XXXX Trans-Union credit bureau 's limitation of customer access to telephone calls ; and XXXX XXXX XXXX billing I did not authorize. 

There is no e-mail capability, secure or otherwise, or mailing address for letters. 

Although Trans-Union offers XXXX or XXXX toll-free telephone numbers, I am overseas and when dialed from here XXXX toll-free numbers are not free, but are billed at international commercial rates. 

When I opened a Trans-Union account on XXXX XXXX 2015 to obtain a copy of my credit report, engage a credit lock an establish credit monitoring, I was obliged to telephone Trans-Union at considerable expense to me to overcome password problems and activate the account. Given my overseas location I requested a collect-call telephone number, but was told in knee-jerk fashion to use the toll-free numbers. 

When I asked for an e-mail address I was told none is available. 

When I asked for a mailing address I was told again to use the toll-free numbers -- I found that failure to pay attention appalling and the demonstrated overall mindless inflexibility inexcusable. 

The restricted access is now an acute problem. That 's because I found that on XXXX XXXX 2015 Trans-Union charged my credit card {$17.00} for a product called " transition from TU alerts to XXXX alerts. '' I have no memory or record of authorizing purchase of " transition from TU alerts to XXXX alerts. '' I should be able to contact Trans-Union at no expense to me, just as U.S.-based customers do, to discuss and hopefully resolve the questionable charge. 

I would appreciate any assistance you can give me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my updated credit report, I realized that many accounts were erroneous. The 3 credit bureaus are required to validate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please reinvestigate the unverifiable accounts below : XXXX XXXX Balance : {$21000.00}, XXXX  XXXX XXXX Balance : {$500.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

In the year XXXX I was involved with an individual XXXX XXXX who applied for a credit card with Goldman and Sachs and Company. He put my name on the card without my permission! I found out about this XX/XX/XXXX, when it appeared on my XXXX credit report, I immediately looked up the company and found it, I then called and spoke with a person. I explained my issue and they told me it was nothing they could do, because I'm not the account holder! frustrated I call the person listed above and asked him to remove my name from his card, because it is affecting my efforts to build my credit! he said he did! then entered a dispute with XXXX Credit Bureau the same day as the date above, because this company appeared again on my report! Now again this has appeared on my report XXXX I submitted another dispute and again XXXX looked into it and said it was a verified account! even though I have explained to them that I don't, nor have I ever had a card or used a card from or with that company! Now after all my hard work to improve my credit! XXXX has allowed that person 's credit use to affect my score! On XXXX XXXX it is still there, and XXXX won't listen to me! I'm so frustrated that now I'm thinking about suing XXXX, Goldman and Sach and Company, and XXXX XXXX! And I would like to note that I checked to see if this false information was listed on the other credit bureaus. XXXX and XXXX it was not. Please help me resolve this matter before it gets worse!
Product: Checking or savings account

A close out check was sent and received on XX/XX/XXXX in the amount of XXXX from Capital One. Prior to this, a supervisor whom I spoke with a week before got a rep from Security in take team on the phone with myself, a rep my the name of XXXX ... She informed me she had spoken with the investigator handling my account, she was told to go ahead and close account, get a check sent for balance in the amount of XXXX. The check was received on XX/XX/XXXX, deposited to my XXXX account the same day. Capital One placed a stop payment on it which has caused my account to be come overdrawn the entire amount of check plus numerous overdraft fees, a total of 14 in the amount of XXXX each plus a returned check fee in the amount of XXXX. It appears another check was supposedly sent out on XX/XX/XXXX, which I did not receive. I left for vacation on XX/XX/XXXX, I was in XXXX XXXX until XX/XX/XXXX, itinerary is available from XXXX. When I arrived back home, no check was found in my mail or anywhere for that matter. Messages have been left for a XXXX XXXX whom does not return them, a total of seven ( 7 )  messages left thus far, none returned. Please note, this occurred during my vacation, I was without money and my trip ruined. I am currently seeking legal help for this matter, Capital One owes me a total of XXXX in overdraft/returned check fees plus XXXX which they stopped payment on. The total claim not including distress from loss of funds during vacation is XXXX, please advise Capital One I need a check for this amount ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Syncb Unauthorized Inquiry from XX/XX/2019 National Credit Cards/Airlines
Product: Money transfer, virtual currency, or money service

I am reaching out to you regarding distressing fraudulent activities that were used with your services. Regrettably, I have fallen victim to an elaborate scam twice orchestrated by a fraudster lady named XXXX XXXX and a scammer named XXXX XXXX XXXX. Through cunning tactics and collaboration with these individuals, I have suffered a significant financial loss. Trusting in the reputation and reliability of the involved entities along with " XXXX  ( scam platform ), I now request a refund totaling XXXX USD which reflects the full extent of my losses from my PNC bank account. I urgently seek your assistance in promptly addressing this matter to minimize the impact of this fraud that has affected my well-being and caused me emotional distress
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15usc 1640. 
Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. 
Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. XXXX XXXX XXXX XXXX  Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory A
Product: Checking or savings account

On XX/XX/2020 Bank of America XXXX  XXXX, freeze my acct, when I call bank regarding issue I was told to contact XXXX, when I contacted XXXX about this issue, I would be told that its Bank of America who I should contact regarding this issue, at this point I was just back and fourth with bank and XXXX, than I contacted the bank again and let them know that XXXX, told me to contact bank, and I also explain to bank, that my indenity got verify with the XXXX on XXXX.but the only thing I was told was to contact XXXX, were talking about my pandemic funds that bank froze my acct.later I found out that Bank of America Closed my acct.having funds in my account.I continued receiving my unemployment though checks, from XXXX
Product: Debt collection

Greetings! 

I am writing to inform you about a scam or phishing attempt. Even though I do not have any debt, I am getting phone calls with no messages left from Midland Credit and XXXX  XXXX. I have not received any information from these companies. I learned these are debt buyers and collectors through an online search, including the Consumer Financial Protection Bureau ( CFPB ) s website ( CFPB, 2015 ). I have reviewed my credit reports from all three Credit Bureaus and confirmed that I do not have any collection. 


Source : CFPB ( 2015 ). CFPB Takes Action Against the Two Largest Debt Buyers for Using Deceptive Tactics to Collect Bad Debts. https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-the-two-largest-debt-buyers-for-using-deceptive-tactics-to-collect-bad-debts/
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$1800.00}, XXXX XXXX BANK XXXX XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$13000.00}. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Vehicle loan or lease

MERCEDES-BENZ FINANCIAL SERVICES Account number XXXX REPORTING A PAST DUE BALANCE AND ACCOUNT IN CHARGE OFF WHICH IS NOT TRUE.. AND VIOLATION OF F.C.R.A. RULES AND REGULATIONS. 
I WAS NEVER LATE ON THIS LEASE AND WAS NEVER PAST DUE. THEY OFFERED TO WAIVE FINAL PAYMENT AND FEES IF I LEASED ANOTHER VEHICLE BEFORE THE LEASE WAS UP. I DID BUT THEY MISREPORTED THIS ACCOUNT TO THE BUREAUS AS A NEGATIVE IT IS NOT TRUE ... PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, EQUIFAX CREDIT BUREAUS are reporting information regarding bankruptcies that they say that the bankruptcy courts reported to them. I have information from bankruptcy court that states '' bankruptcy court does not report to credit bureaus ". I have asked by certified mail, fax, online and verbally to bureau to remove inaccurate information. To no avail, they have not removed bankruptcy.
Product: Consumer Loan

I had a car loan with Santander that default back around XXXX 2011 and the car was repossessed. Santander is claiming the the car was damage but the time they saying it was damage it was n't in my possession. The damages that they said I cause to the car cause for the value of the car to be less then what it should have been and they was n't able to profit from it to the point the they break even and I do n't own any money and also its affecting my insurance rating. when the company they hired to repossess the car it was at XXXX and my car was park in the driveway behind my mother car and they move my mom car and had her car turn side ways in the driveway and on the neighbors grass and also my car was half way in the driveway and on our grass and they had the tow truck on our lawn and even destroyed our lawn also
Product: Checking or savings account

I tried to purchase an item online for {$96.00} and never received the item. When I notified the bank they issued a temporary credit to my account. They said they investigated and they denied my claim and reversed the temporary credit taking the money out of my account. I forwarded an email that I sent to the merchant asking them to refund my money because I never received the item and never got a response. I was sent a letter stating that the item had been delivered to the front steps of my home which was in fact untrue. I was out of work and there was always someone home at my house and there was never anything delivered. Also, I live in an apartment complex and any item left outside, the other residents of our building will bring it in and place it in front of the unit of the resident. Their was no physical address on the information that was sent to me it only stated the town, state and zip code of the delivery. I find it ironic that the bank could get in touch with the merchant and I could not get a response from them. I believe they are lying as I told them I believed the purchase to be a scam/fraud. I emailed them a copy of my email to the merchant and a picture of the advertisement of the item that I never received. There were so many red flags and a good investigator would have noticed them. Please request all emails that I forwarded to Bank of America and review them before rushing to judgement to make a decision. 
Thank you in advance XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX  in XXXX I was having to move out of my XXXX XXXX  because my lease ended. I found this person who was subleasing their room ( extremely common for XXXX XXXX ) for the year of XXXX. When talking to her everything seemed legit until the day i was supposed to move in. I went to the complex and they had no knowledge that the person was doing that in fact it was illegal i asked them can they just seitch the lease because im the one who paid for first months rent of {$810.00}. They told me they were unable to do that. I ghen tried to dispute the charge through my bank as well as through XXXX  and it was denied. I provided messages and everything showing it was fraud but it was still denied. I still have not recovered from this scam a year later and would really like to get it taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. the company has also NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4 XXXX  XXXX XXXXXXXX FOR {$680.00} XXXX XXXX XXXX XXXX {$550.00} XXXX  FOR {$680.00}
Product: Student loan

Your school falsely certified your elgibility to recieve the loan based on your ability to benifit from its training, and you did not meet the ability to benefit student eligibility requirements
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent itemsin my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; 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, credit repair services, or other personal consumer reports

Hello, I spoke with a Conns customer service rep on XX/XX/2017. I currently see a late payment reporting for my Conns Account for the month of XXXX, and a late payment for XXXX on my 2nd Conns account. On XX/XX/2017 I spoke with a customer service rep ( XXXX from the payments team ), and we determined a auto-payment feature on Conns end occurred. My bank information was correct, as the rep verified it. Based on the research, the rep informed me they would correct the credit report since it was a Conns end error. I still have not seen the correction on my credit report. My next step would be to contact the CFPB and file a complaint for Conns not  exhausting there efforts to correct this mistake under the FCRA. To avoid conflict, and keep a good relationship with Conns, I am kindly requesting these 2 errors be corrected as soon as possible. I have attached my credit report screenshots, showing how both accounts are currently reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. XXXX and TransUnion must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX IL ) XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$220.00}
Product: Credit reporting or other personal consumer reports

My Credit Card Information ending in XXXX is not being reported by Experian XXXX and XXXX, I have been getting this resolve for many months and it was unsuccessful. XXXX told me to do a POA so they can reinsert the account back on my credit report.
Product: Credit reporting

XXXX has an account on my credit report. They have posted wrong information on my credit report in order to extend the time that the trade line stays on my credit report. The XXXX trade line needs to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Tranunion reports an account -XXXX XXXXXXXX XXXX XXXX # XXXX, that is not accurate. XXXX & XXXX DELETED THE ACCOUNT IN XXXX completely off my credit file. Transunion still reports the account fraudulently reading VOLUNTARY SURRENDER which is not accurate XXXX XXXX HAS BEEN FILED IN A BANKRUPTCY-along with reading a XXXX balance, XXXX XXXX XXXX has continuously to charge a monthly fee for two years on my credit file degrading my credit history as a XXXX female woman, this has prevented me from pursuing lower credit card limits and other financing. I need assistance to them discriminating against me. CREDIT ACCEPTANCE HAS REFUSED TO REMOVE THIS ITEM OFF MY FILE AND DAMAGED MY CREDIT FOR THE LAST 7 YEARS .TRANSUNION HAS FAILED TO EVEN UPDATE THE ACCOUNT TO READ FILED IN XXXX  XXXX IT STILLS READ REPORTING AS OF TODAY XX/XX/XXXX VOLUNTARY SURRENDER THIS IS FRAUDULENCE, AND NO ONE HAS CONTACTED S IS THE MAIN REASON FOR THIS COMPLAINT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : transunion, XXXX, XXXX Please take notice that this letter dated ( XX/XX/XXXX ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX  days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting

on XXXX XXXX, XXXX, someone other than me applied for an unsecured credit card from XXXX and was denied. 
I received the denial notice around the XXXX or so of XXXX and immediately called XXXX and was connected with their Fraud Department. XXXX at XXXX informed me that they would file an Initial Fraud Alert with the XXXX Credit Reporting Agencies. She was a big help and informed me of the steps that needed to be taken to investigate other possible Identity theft and Credit misuse. She also informed me that due to the fraudulent application using my personal information and the fraud alert placed on my Credit Reports that I was entitled to a free copy of my Credit Files from Experion, XXXX. 
The process in getting those reports is less than stellar and I can not get any automated telephone process to go through nor can I get my file via ANY of their websites! They all want me to pay XXXX or XXXX dollars or can not verify the information that I present during the Identity Verification steps at their site. 
MY COMPLAINT : None of the Credit Reporting Agencies have telephone numbers that will connect you with a live agent! All of the Numbers are for the automated report ordering system and they have all asked for credit cards and wanted to bill me with no option to speak with a live agent. 
My fear is that whoever applied for that card has intercepted the process and without a live agent to speak with, I can not confirm this. 
Also, XXXX of the reporting agencies asked questions about auto-loans I supposedly took out in XXXX of XXXX, asking which of XXXX possible Creditors and XXXX possible monthly payment amounts AND an Installment Account, again with XXXX choices of Creditors and XXXX possible payment amounts! This has me very afraid as I have not taken neither an auto loan or an installment/Finance account since the late XXXX 's! 
I need to resolve this and speak to a REAL PERSON! 
I am trying to rebuild my credit and it seems to me that the reporting agencies just do not care. I am totally frustrated as this is just bad customer service in an industry that is supposedly providing services that include sensitive information that dictates the consumer 's quality of life in this age of instant credit! 
EXPERIONXXXX : Your processes are not user friendly nor are they customer focused and you do not have anything that resembles Customer Service for the consumer 's affected by all the Credit Fraud and Identity Theft that is running rampant in today 's financial industry. YOU ALL XXXX! 
Sincerely, XXXX XXXX XXXX XXXX XXXX, TX
Product: Credit reporting or other personal consumer reports

It shows a hard inquiry on my Equifax credit report with XXXX XXXX XXXX XXXX since XX/XX/2022 and I have never owed an account with them.
Product: Debt collection

I have been requesting Debt validation from this furnisher for couple years and I have not received a response but continuously update the account on my credit reports. They have no valid information for this debt but continuously request and report damaging my credit profile.