23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I called Transunion and disputed a Bankruptcy ( Docket # XXXX ). The representative stated that the dispute would take up to 30days. On XXXX/XXXX/XXXX I got an email saying my dispute was completed and the Bankruptcy had been " verified '' by Transunion. I called Transunion on XXXX/XXXX/XXXX and spoke to XXXX. I asked him how the dispute was verified and also the source of verification. XXXX advised me that Transunion sent a letter via US Mail to the Bankruptcy Court located in XXXX IL and that the court verified the bankruptcy by letter and mailed it back to Transunion. I told XXXX that it is physically impossible for Transunion to mail a letter out on XXXX/XXXX/XXXX and already have received it back from the bankruptcy court on XXXX/XXXX/XXXX which is less than 24 hours from the time the dispute was entered. He insisted that the letter was sent to the courts and that the courts had verified the bankruptcy. I asked him for the name of the person from the bankruptcy court that had signed the letter and verified the bankruptcy. He said he could not give me that information so I asked for a supervisor. While on hold waiting for a supervisor I called the Bankruptcy Court ( XXXX ) and spoke to XXXX. I asked her if Transunion had requested verification from them or if they had signed a verification letter and sent it back to Transunion, she said that the Bankruptcy Courts do not report or verify information for any of the credit bureaus so Transunion was not being truthful. I then spoke with supervisor XXXX from Transunion and advised him of what the Bankruptcy Courts had just told me and also what the other rep XXXX had said. XXXX then stated that the bankruptcy was verified by a third party vendor but he could not legally tell me who the vendor was. I stated that per the FCRA a Consumer has a right to dispute and also know the source of the data furnisher. He said that he would not release the name of the Vendor. I then advised him that I wanted the name of the individual from the 3rd party vendor as well as the method that was used to verify the bankruptcy and be also refused to give this information. I ended the call with XXXX and I immediately called Transunion back. This time I got a rep named XXXX and I asked him how my Bankruptcy was verified. He stated that a Transunion rep or 3rd party rep for Transunion drive to the Bankruptcy court and verified it with the courts. When I advised him that this was not true, he hung up on me. Transunion is not and has not verified the bankruptcy and are lying over and over again about the source and method of verification which is a violation of the FCRA. Transunion responded back to my CFPB complaint and did not address the issue nor provide name of the third party agency that supposedly verified the bankrupcty
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXXXXXXL ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I'm experiencing XXXX dissatisfaction, and XXXX  concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.
Product: Credit card or prepaid card

MY COMPLAINT IS WITH NAVY FEDERAL CREDIT UNION THEIR WAS A CREDIT CARD OPEN IN MY NAME THAT I DID N'T OPEN WHEN I CONTACT NAVY FEDERAL TO FIND OUT HOW THIS HAPPEN THEY FROZE MY ACCOUNT CLOSED IT SO I WOULD N'T HAVE ACCESS AND THEY SAID THEY CHARGE IT OFF BUT NEVER SENT IT TO COLLECTIONS I WAS TOLD THEY HAD ME ON TAPE GETTING A CASH ADVANCE OFF THE CREDIT CARD IN QUESTION WHICH I NEVER DID
Product: Credit reporting or other personal consumer reports

XX/XX/ I filed a dispute with Experian regarding addresses on my credit report, Experian responded by removing my current address from my credit report. This is potentially very damaging to me and my credit report. I never asked them to remove my current and only accurate address. This is the type of punitive actions that Experian takes against consumer trying to exercise our rights to have fair and accurate credit reporting in our credit files. This brazen act to bring harm to a consumer would only be taken if Experian knew that there would be no repercussions from the CFPB whom the consumer relies upon for redress. I have never resided at in XXXX Nevada, I have never resided in XXXX XXXX I currently reside in XXXXXXXX XXXX XXXX Experian refuse to remove the XXXX XXXX XXXX address and deleted my true address from my report. Experian 's negligence to address something as simple as updating personal information is a testament to the weakness in how they view a complaint from the XXXX A CFPB complaint means nothing to them If the CFPB all bark and no bite, at least if its pertaining to a consumer complaint. I am a XXXX XXXX  XXXX XXXX that suffers from XXXX, THAT IS NOW BEIG FURTHER AGGRAVATED BY THESE ATTROCIOUS CONDITIONS THAT WE THE AMERICAN PEOPLE ARE FORCED TO LIVE WITH. XXXX XXXX something about this XXXX!!!
Product: Credit card or prepaid card

Applied and approved for {$2500.00} XXXX card in XXXX after moving. Have never received a card or a bill, called in late XXXX, new card issued, again never received. Can't make a payment as I don't know my account number. Can't get account number from XXXX, they won't issue it without the card. 0 late payments on my credit report now tainted. I just want a card issued, late charges removed so I can pay my bill.
Product: Payday loan, title loan, personal loan, or advance loan

I made a purchase using the Affirm account. I made my automatic payments on time. XX/XX/XXXX a final payment was sent to Affirm. On XX/XX/XXXX Affirm withdrew an additional payment from my bank account. On XX/XX/XXXX Affirm processed the payoff payment sent on the XXXX. I called Affirm on XX/XX/XXXX, XXXX, and XXXX, XXXX seeking information on the refund of the overpayment. I was told a refund could take up to 10 days to process. On each of those calls I was told the refund would be processed. On XX/XX/XXXX I asked to speak to a supervisor. The supervisor apologized for the delay, said he would expedite the refund for me. On XX/XX/XXXX I had not received the refund so I called again. I was sent an email stating the refund was being processed. As of XX/XX/XXXX I have not received the overpayment refund. I have called XXXX additional times for an update and a tracking number and no one can provide any information to me.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} Charged Off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} Late/Closed XXXX PXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$300000.00} Late/Open XXXX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} Charged Off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$300000.00} Late/Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$0.00} Late/Closed XXXX XXXX  XXXX XXXX : XX/XX/XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX : {$0.00} Charge off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} Charged Off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300000.00} Late/Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Comenity Bank is calling my family members harassing them with information about me. How they got my immediate families numbers is beyond me because I never listed them. When I called to confront them they stated they did nothing wrong and just left a message with my name and reference number and are unaware of how they even got their phone numbers but how they would be removed. They have yet to be removed and this is the second phone call I have made asking them to stop. The woman then proceeded to tell me that they just left a message before they took my account to a lawyer or attorney.
Product: Credit card or prepaid card

Bank of America continues to mail unsolicited convince checks on my credit card. I have asked them to stop this over 18 time but for some reason they refuse. At issue ; these are mailed in XXXX XXXX Texas, ground zero for postal fraud. The risk is they are intercepted and used. I know I would not be responsible for the charges but Bank Of America has a poor reputation for customer service. Please make them stop
Product: Debt collection

I have a title loan on my car. I fell behind in payments and the car was repossessed. I got the money to come current on my loan and get the car back. Trading Financial called a week later XXXX XXXX XXXX ) asking for the " next payment ''. I told the collector I just got the car back and I would n't be able to pay anything until the XXXX of XXXX. The collector agreed to the arrangement. 7 days later XXXX XXXX XXXX ) I got a call from a different collector who said she saw the notes on the account but the XXXX was too far in the future. I told her it was impossible for me to alter the arrangement because I would literally have no money until then. She said " ok, but collection activity would continue ''. I asked her to elaborate but she just repeated the statement and we ended the call. 6 days later ( Thursday the XXXX ) I got a call from a gentlemen repeating the demand for payment and I told him there was no way I could give anything until the XXXX as I spent everything to get the car back. After several questions by the collector I stated there was nothing I could do beyond what I had already agreed to. The next day ( Friday the XXXX ) I got a call from the same gentleman asking the same questions and asking if I could pay something. I repeated my arrangement and asked if they were going to call every day. He said " the collection activity will continue '' and " I 'll follow up with you Monday ''.
Product: Credit reporting or other personal consumer reports

Per the ( Privacy Act of 1974 ) need this account to be deleted immediately from all 3 credit bureaus ( XXXX, experian, XXXX ) that are reporting this to my credit! I have never given any written or any other consent for this company to report anything to my credit or for my information to be sold. ( 15 USC 1681B ) According to Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : {$2800.00}
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am not familiar with this account that popped up on my consumer reports from Bulk City Financial Sol. I also don't recall getting any correspondence for this account and can not remember having and account with this company. I discovered this on my report XXXX of 2024 and still have not received anything in the mail in regards to the original correspondences that was sent with the tracking number via certified return receipt. According to the rules around debt collection consumer should b provided the opportunity to dispute the validity of da debt via proper validation and per this rule and laws commutation in the connection of a debt MUST be communicated within XXXX  days I asking for the commutation in the connection of this debt by requesting that Bull City Financial Sol provide documented proof that I was provided my rights to dispute this debt before parking it on my consumer report by providing me with the certified return receipt showing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive requested proof via mail and online of a judgement that was attached to my name on XX/XX/XXXX. I also submitted these papers as I was a victim of identity theft. 

Report Number : XXXX Date Generated : XX/XX/XXXX In their investigation they advised : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details '' 1. The Company? The company Experian is referring to is XXXX XXXX. Im not sure why this information isnt stated in the results of their " investigation '' but this is important information for consumers to know who is reporting these type of fraudulent claims. 

2. Experian did not provide any documentation that would solidify that this information is accurate. Proof should be provided and not just a broad statement that what was reported is inaccurate. What is accurate? 

XXXX. When I reached out to said company regarding the release of inaccurate information I was advised via mail at my address which is on file with EXPERIAN which included my name that I could not be located in their system. 

Experian is falsely reporting inaccurate information and anything tied to this judgement should be removed immediately. 

Experian should provide valid documentation to me as the consumer on how this information was validate for accuracy if I am not in XXXX XXXX database.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX XXXX XXXX is reporting an inaccurate information on my credit report. Also, there are unauthorized inquiries on my report, I was not aware of these and I want the information removed because it is damaging my credit and violates my FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : In Accordance with the Fair Credit Reporting Act XXXXXXXX Account XXXX XXXXRetail Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/16 ( CREDIT LIMIT {$2000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. EXUIFAX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX-Retail Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/16 ( CREDIT LIMIT {$2000.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX-Retail Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/16 ( CREDIT LIMIT {$2000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction
Product: Credit reporting or other personal consumer reports

Mon XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SSN : XXXX | XXXX : XX/XX/year> XXXX, XXXX, Experian To Whom It May Concern : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is a follow up to my earlier communication about the following item ( s ) being reported on the credit file listed under my name and Social Security Number : This account is listed as being 30 days late. I have never been late on this account. You stated the account information was verified. I then specifically requested additional information about the Method of Verification used. You are required to respond within 15 days. You FAILED to do so in a timely and responsive manner and are in violation of federal regulations. 

I am making a final goodwill attempt to have this matter resolved. As such, you must now remove the late payment information and mark the account as paid as agreed. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

To date, XX/XX/2021, Having paid {$1000.00} in payments for an emergency loan totaling {$500.00} during a global pandemic, I requested that Redwood Coast Finance stop taking automatic payments from my XXXX XXXX XXXX ( XXXX  ) bank account ending in XXXX for payments to my account number with your company XXXX. The company acknowledged my request but then threatened to report my file to the credit bureaus.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I got a copy of my consumer report. I noticed some negative items being furnished inaccurately. XXXX XXXX XXXX XXXX states that it was late with XXXX but not late with XXXX and Equifax XXXX This is obviously wrong Information being reported. Furthermore XXXX XXXX XXXX has indicated that I am a joint borrower involved with an auto loan from XX/XX/XXXX this account also has late payments on XXXX but none with XXXX which again is completely inaccurate I have never consented to any of these charges and they have failed to provide sufficient evidence claiming otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted numerous calls with the bureaus in attempt to remove collection accounts and an installment account on my credit report which were results of identity theft. The accounts are still listed on my credit report. I have attached the FTC report for my identity.
Product: Prepaid card

I bought a visa Vanilla card at XXXX in XXXX California. It was XXXX card for a family member birthday. She went to use it and it was invalid. It turns out some of the numbers on the card number were scratched off. I gave XXXX the authorization receipt, purchase receipt, copy of the card and everything else they needed. I can't get a time or date when the money will be refunded to me. It was a card that had been tampered with. 
It was bought on XX/XX/2023. 

The card is serviced by XXXX licensed by XXXX.
Product: Credit reporting or other personal consumer reports

The full amunt of the student loan was paid yet the service who collected my money fail to notify my loan provider that the account is fully paid. resulting in my loan provider having no proof that i paid it to XXXX  so they can not close my account. i personally can not afrod to another XXXX dollars when it has been already paid for.