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

Transunion is failing to comply with FCRA laws for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted multiple complaints informing Transunion that I was a victim of identity theft. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts. I submitted the identity theft reports, provided a report circle the fraudulent accounts. Transunion has claimed the accounts listed below have been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

XXXX could not write this : On XXXX XXXX I asked XXXX XXXX XXXX to send me a new order of checks as I only had one left. 

On XXXX XXXX without my authorization or knowledge my check account and my brokerage accounts were closed! The money in my taxable account without my authorization or knowledge was withdrawn by XXXX XXXX XXXX and a check was allegedly sent to me that I have not received! I objected to my accounts being closed! 

Mr. XXXX XXXX from the consumer advocate 's office told me on XXXX XXXX that both accounts had been closed but were now open again. 

I checked my accounts on line this morning, XXXX XXXX, and discovered that there was no taxable account. I called Mr. XXXX who told me that myh accounts had again been closed! I protested. He called back later this morning to tell me that my accounts were open again! 

This is a comedy of errors that must never be repeated either for me or for anyone else who is a costumer of the XXXX XXXX XXXX XXXX XXXX XXXX. 

I still do not know, in fact, if my accounts are open or closed or if they will be closed again without my authority or knowledge!
Product: Credit card or prepaid card

On XX/XX/2023 I received and email that there were fraudulent activity on my Capital One account, I called and they said there was a payment made and needed to verify the account. At that moment I stated that was not my account and that they needed to return payment and please unrestrict my account.They stated again that my account will not be unresctricted until the XXXX XXXX account that I dont own nor know the owner or anything of that nature can be verified. I stated I cant verify it because I dont own it and I dont know who the owner is. They kept asking if it was a friend or someone I said no. One day I called saying I wish I know someone that would do that and they thought I knew the person which is not correct. Now I am stuck with a restricted account that I am making payments on and possibly paying interest when I cant use it and later close the account under what terms? This is very unfair for a consumer specially if I said I cant verify it, I had no fault on it and I am the one suffering for it.
Product: Checking or savings account

Cash App sent a debit card to my new home. Now this home is not registered for any mail for me, especially banking information. This card has my name and my address. I contacted Cash App support and they told me they could not release any info because I could not verify the account even though it was opened in my name and sent to my address. The account was created a week ago without my consent nor knowledge. They gave me so much grief over the phone, they kept transferring me and then stated if they find it is fraudulent they will close the account but if not it will remain open. The issue here is, my personal information is listed, they may have access to my actual bank accounts, my social security number, etc. Seeing that cash app requires your social to open it. The company is no help at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Intent To File Lawsuit for FCRA Violation YOU BROKE THE LAW!!! 
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. 

DELETE THE FOLLOWING INACCURATE AND UNVERIFIABLE ACCOUNTS FROM MY CONSUMER REPORT. 

XXXXXXXX XXXX ACCOUNT # : XXXX XXXX. XXXX XXXX XXXX ACCOUNT # : XXXX XXXX. XXXX XXXX XXXX XXXX # : XXXX PURSUANT TO 15 USC 1681i- I have sent a previous letter to you, that your company received XX/XX/2022, all by certified mail ( receipt enclosed ) requesting that you remove this inaccurate information from my file and you have failed to do so WITHIN 30 DAYS OF RECEIVING the letter and DID NOT provide proof of investigation nor verification when YOU finally responded XX/XX/2022. 

PURSUANT TO 15 USC 1618 ( a ) ( 1 ) - The banking system is dependent upon my consumer report being fair and accurate. This inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was also not notified when during your initial investigation that you were going to report this information. 

PURSUANT TO 15 USC 1681 ( a ) ( 4 ) - You did not insure that this information was accurate nor did you exercise your GRAVE responsibility with fairness and impartiality. You took only one side of the story and never consulted with me to find out if these transactions even took place. As aresult of this MY PRIVACY WAS BREACHED, and this is a violation of my right to privacy.

PURSUANT TO USC 1681a ( d ) ( 2 ) ( A ) ( iii ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation. 

PURSUANT TO USC 1681a ( B ) - Any authorization of a specific extension of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did properly investigate is categorized as a transaction that was issued from a credit card. Credit card is defined under 15 usc 1602 ( I ).

PURSUANT TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) - Congress makes it very clear that consumer report SHOULD NOT include transactions between the consumer and the person making the report. These alleged transactions that you are reporting, and failed to properly investigate, whether or not if factual took place, can be categorized as a transaction that took place between the consumer and the person making the report, and this in fact is a violation of my consumer rights.

Accordingly, I can show a judge that these accounts are inaccurate and that you violated MY RIGHTS and the Fair Credit Reporting Act.

If this final request does not prompt you to DELETE these accounts in question YOU HAVE 15 DAYS to send proof to me of said investigation, proof of verification, as well as proof of my written permission for your company to report my personal information. I will file a civil suit in my county for damages and you can travel to defend yourself.
Product: Debt collection

The company ( XXXX ) that referred the debt to collection performed the service after I had cancelled, and I do not owe this debt. I had to contact XXXX multiple times when they continued to bill me and it took several calls before they closed my account. They continued to bill me after the account was closed. On the final call I was told by XXXX that I would not be responsible for the debt. I disputed the debt verbally with the collection agency. I did not receive any documentation within the 30 day timeframe yet they are continuing to attempt to collect the debt.
Product: Credit card

Please review the attached papers. I desire the bureau to commence an investigation into these accounts, as I have never been tardy, despite them incorrectly labeling me as late.
Product: Credit reporting or other personal consumer reports

Please remove these fraudulent inquiries. I have not done business with these companies.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I was notified that a collection had been placed on my file which already has a Fraud alert. Police report and Notarized affidavit on file. I immediately contacted experian and filed a fraud dispute because of the information already present in their records. On XX/XX/2021 a Sunday. I received an automated message that my dispute had been validated by the company. I submitted a 2nd dispute and on Monday I contacted Experian for further information. I was given the run around. I was told that I didn't have the accurate information. No one wanted to tell me what I needed. 7 calls later and over 5 hours on the phone I still had no resolve ... I was told another police report and affidavit from the FTC was needed. I provided that on XX/XX/XXXX, and again on XX/XX/XXXX. Today, I spoke to someone and now I am being told that they want a Government issued ID along with my SS card. I have several issues with this. According to the dept. of justice I am not obligated to provide that information, In addition, Why would i provide that to the credit agency that will then share the information with the creditor that already stated " any information obtained with be used for the purpose of collecting a debt '' I do not owe a debt to XXXX XXXX XXXX. Experian has not attempted to resolve this amicably and seems to be working on the behalf of the collection agency and not a a fair and just party in this situation, This account has been disputed multiple times and and they also alter the statement that I wish to have on my credit file. My statement should indicate that I have disputed as FRAUD and not that I disagree with their findings. If they truly were investigating they would know that this is not my account and I did not authorize anyone to use my information for gain and to destroy my credit.
Product: Credit card

Hello, I am requesting to file a complaint regarding my Discover credit card account. The merchant closed the account without my consent after I agreed to set up a payment arrangement. I was recently served due to this matter which violates the FCRA -Fair Credit Reporting Act. I pulled my credit report with each bureau and noticed that several inaccuracies with this account raise concerns. First, the balance owed is reported incorrectly with each bureau. Secondly, the date reported, closing date, and credit limit balance all reflect inaccuracies that violate the Fair Credit Reporting Act. I am kindly asking you to look into this matter. I have been a valued consumer with Discover since XX/XX/year> and I am disappointed the merchant is now trying to sue me after an error on their end. I have attached a screenshot of the report with each bureau. I greatly appreciate your assistance in this matter.
Product: Mortgage

In XXXX my father took out a reverse mortgage with XXXX XXXX XXXXXXXX. The problem is that I was already om the deed as a joint tenant when XXXX XXXX issued the loan. Mrs. XXXX, ( representing XXXX XXXX XXXX ) called me and said that the loan would not be funded unless I deeded the property back to my father. I told her that I would not do that. 

In XXXX, while XXXX was the servicer of the loan, a foreclosure sale was initiated and rescinded. I was told by HUD that the loan issued to my dad was subprime, illegal, predatory, and not enforceable. 

Fast forward to XXXX. XXXX XXXX ( also known as Nation  Star, and Mr. Cooper Mortgage ) is  suing me for quiet title to my home and judicial foreclosure. 

HUD now says that they can not advocate for me. In XXXX however, they did advocate for me ; they negotiated for XXXX XXXX stop collection efforts and pay XXXX taxes. 

I am XXXX and have sought the legal representation in this matter. The home has been upgraded to facilitate my specific physical needs. I live together in the home with my XXXX sons, my XXXX daughter-in-law, and my XXXX-year-old grandson.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALL BEING REPORTED TO MY CREDIT REPORT WITHOUT WRITTEN CONSENT, SPOKE with XXXX from XXXX, was unable XXXX help XXXX these reports. According to 15 USC 16816 this is considered identity theft, and Id like for them all to be removed immediately..
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$140.00} ; XXXX XXXX XXXXXXXX XXXX XXXXBalance : {$0.00} ; TELECOM SELF-REPORTED ( Original creditor : XXXX  ) XXXX Balance : {$73.00} ; TELECOM SELF-REPORTED ( Original creditor : XXXX ) XXXX Balance : {$20.00} ; TELECOM SELF-REPORTED ( Original creditor : XXXX ) XXXX Balance : {$1100.00} ; UTILITY SELF-REPORTED ( Original creditor : XXXX ) XXXX Balance : {$250.00} ; UTILITY SELF-REPORTED ( Original creditor : XXXX  ) XXXX Balance : {$40.00} ; XXXX XXXX XXXX  ( Originalcreditor : XXXX XXXX XXXX ) XXXX Balance : {$720.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX  Balance : {$1300.00} ; XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX .
Product: Payday loan, title loan, or personal loan

In XXXX of 2019 a company called XXXX XXXX arranged financing for an equipment purchase through CIT. CIT claims to have provided XXXX XXXX with a sum of money, I am not sure what amount and neither CIT or XXXX XXXX will provide me with any kind of ledger. The agreement with CIT was/is a 38 month agreement with two payments of {$49.00} and 36 payments of {$630.00} dollars. These payments were made in good faith for nine months. During which time I have received no equipment or services from XXXX XXXX. I did not realize on entering the agreement that CIT would be sending a lump sum payment to XXXX XXXX as this is not stated in any part of the the agreement. I have been in contact with both the lender CIT and the company they supposedly sent money to on my behalf. Neither will provide an accounting and I have yet to receive any equipment or service from XXXX XXXX. The fact that the loan amount was not disclosed in the agreement as well as the fact that CIT never disclosed that the funds would be released in a lump sum and that I can find no where that I authorized the funds be sent directly to a third party seem to me to be a very deceptive lending practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. All three credit agencies have different reporting scores and in correct information. I have requested to have all this reporting to be removed several times to the credit agencies and not removed. Credit acceptance was only removed in XXXX. XXXX XXXX has not yet provided what this the collection debt in question. All three credit agencies should also have my name XXXX XXXX XXXX and address XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX. I have mailed and called to request for my information to be accurate and no resolution. 

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX, XXXX ( a bill collector ), Marcadis Singer Law Firm, XXXX XXXX XXXX XXXX, XXXX, Florida XXXX, has served me with an order for Deposition and Order to Show Cause because he would like for me to show all of my assets and/or income for the 36 months preceding the service of the notice. The notice is dated XX/XX/XXXX. The records being requested are as follows : bank statements and cancelled checks, all of my savings account deposit books, copies of my state tax returns, books of records and all memoranda reflecting my assets and/or income. Deeds to realty, bills of sale for personalty, and title certificates to motor vehicles. The Plaintiff listed on the order is : XXXX XXXX XXXX XXXX, XXXX, as assignee of XXXX. I have informed this bill collector repeatedly that I need legal representation and can not afford it. I did not hear from them for 8 years, I thought it was all over and I started receiving the letters again. I appeared in court about 10 years for this same matter. Is there a statute of limitations on this? I don't understand how they can continue to try to get money from me for a very old bill that is no longer on my credit report. I am a lay person without money to hire an attorney. I feel intimidated that a bill collector is asking me to provide this information. I need help in the matter. I don't know what my rights are or what to do. Please help me. I'm scheduled for a court appearance on XX/XX/XXXX, if I do not go to the deposition and provide the information requested. I would appreciate any help that you can give me in this matter. Thank you. XXXX XXXX, XXXX XXXX XXXX, XXXX . XXXX, XXXX, FL XXXX
Product: Credit card or prepaid card

Submitted a timely dispute to XXXX XXXX the vendor that handles billing disputes for Alliant. Specifically, it is for a charge dated XX/XX/22, XXXX, {$480.00}. The merchant provided a faulty light fixture that is buzzing. The merchant was notified, the merchant has not rectified the issue. Also, I had to pay an electrician money out of my pocket to install a faulty light fixture. Significant supporting documentation has been attached to justify my billing dispute chargeback.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had an account or debt with the below company and I have informed Equifax numerous times of this. 

XXXX Last reported XX/XX/2022 {$100.00} Open balance XXXX XXXX  Original creditor This is a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account was opened fraudulently I sent over FTC identity theft affidavit and XXXX police department incident report and TransUnion will block the account from showing up on my credit report
Product: Credit reporting or other personal consumer reports

I have contacted the company multiple times to request cunsumer report by mail. I provided all the necessary documentation and I was told it will be mailed to me, but it never came. Numerous customer service representatives have told me the same " It will be mailed '' but to this day I have not received my consumer report. 

I received a one page letter from Lexis Nexis dated XXXX XXXX  which contains a link. I tried to enter the link, but it does not function or allow me access to my consumer report. 
Consumer number XXXX Case number XXXX Lexis Nexis seems to be refusing to provide me with my credit report by mail. 
Please help
Product: Mortgage

After a very lengthy process of sending information in and resending information the loan application was transferred to another document person that requested same docs over again but highlighted information and right before the application goes to underwriting I was told to add Discover to my insurance policy as a lien holder. I asked if I was approved for a loan and was told no, but the application could not go any further without having Discover added to the policy. I explained they do not have an insurance interest without a loan. I was then denied because I would not put Discover on my policy. I feel the process is not ethical or fair and putting Discover on my policy would be a deal breaker until they have an insurance interest and confirm I will get the loan.
Product: Credit card or prepaid card

Back on XX/XX/2020 I saw 2 duplicate charges of {$210.00} on my credit card. I did not recognize these charges so I called the fraud department. They closed my credit card account and issued me a new one. Meanwhile I realized what these charges were and called the merchant ( XXXX XXXX ) to give them a new credit card number and then called the fraud department of my credit card to let them know I recognized them ( although I only meant to purchase 1 item ). They sent my duplicate charges to the dispute department where I have been fighting these charges for 4 months. I did not receive these two items since I paid with them with another credit card. I have jumped through hoops trying to get this resolved with no progress whatsoever. I am so totally frustrated. At one point I was on a call with them for over two hours only to be disconnected.