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

THIS IS NOT A DUPILCATE!!!! THIS IS RECENT UPDATING DAMAGE AND FRAUD BEING ADDED BY : Transunion and XXXX XXXX : TRANSUNION CONTINUES TO REPOST INCORRECT FRAUDULENT INQUIRES AND INFORMATION EVEN FRAUDULENT ADDRESSES THAT ARE NOT MINES AFTER SENDING IN IDENTITY THEFT REPORT AND POLICE REPORT : FCRA 605B AND STILL GET ENABLEMENT OF IDENTITY THEFT AND DAMAGING MY CHARACTER AND DEFAMATION.

I WISH/SEEK remedy for damages and VIOLATIONS MAKING IT IMPOSSIBLE FOR MY CREDIBILITY AND LIVELIHOOD. 
THESE ACCOUNTS ALONG WITH OTHERS ARE BEING REPORTED BY TRANSUNION AND VIOLATING ALL MY RIGHTS : ACCOUNT NAME : XXXX XXXXXXXX XXXX ALONG WITH ALL FRAUDULENT ON ALL REPORTING AGENCIES HARD INQUIRES TRANSUNION 6 HARD INQUIRES ALL FRAUDELENT XXXX HAS A FRAUDULENT ACCOUNT AS WELL.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) Aperson shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information IS INACCURATE. 
In Accordance with the Fair Credit Report Act, XXXX  XXXX # XXXX Has Violated My Rights. 15 U.S.C 1681 Section 602A. States I have the rights to privacy. 15 U.S.C 1681 Section 6 04A Section 2 also states a Consumer Reporting Agency CAN NOT FUNISH a account WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never received my consumer report from ARS ( Advanced Resolution Services )! 


I have been trying to get that since 2017! 



At least 2 companies did adverse actions to me citing ARS! 

Is that the tip of the iceberg? 

What if more companies did adverse actions because of ARS and I don't know about it yet????
Product: Debt collection

During the covid19 period that debt collectors were not to be trying to collect debt I was contacted by XXXX, XXXX and XXXX. It started in early XXXX. I sent proof that I could not pay and that I had funds that were not garnish able and asked them for no contact by phone. The amount of calls I was getting was insane. Very soon after We had a knock at our apartment door in a secured building. I opened the door thinking it was someone that I knew. It was a server not law but civil and he has no mask on which the sign is on both doors down stairs where he came in.Handed me the paper work and off he went. The Proof of verification had not yet came I asked for from before nothing. So I read everything and answered his complaint. I had filed bankruptcy in XXXX and being all the dates and transactions were redacted I had no clue when this was from. I did the best I could not having access to a lawyer and legal aid being closed. The lawsuit was for XXXX dollars and there was no mention of the fact the lvnv was sitting on XXXX in dollars in more debt, which is against the law. The only thing on my credit by lvnv at this point was the XXXX then on XX/XX/XXXX XXXX more shows up on my credit and never had a letter about it. I filed a complaint with CFPB in less than a week the name on the debt changed to the original credit card company synchrony. Well that is who sold the debt to LVNV after they closed the accounts and wrote off the debt. I am told that because they put it on my credit and also left it out of there summons it is no longer owed to anyone. I still have not been given the proof of validation on anything. The amounts of the paypal credit is disputed to XXXX and they never should have sold the debt before resolving that.There was issues with items not arriving from ebay that was purchased XXXX. They took and closed my account and sold the company to synchrony I am sure they never told them it was all under dispute as XXXX is 100 % guaranty to arrive and work. I have had thousands in items never arrive and some that did that were broken. That was never addressed by XXXX. These items are still on my credit report and need to be taken off.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$4100.00} ; XXXX XXXX Balance : {$7900.00} ; XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XXXX Balance : {$9400.00} ; XXXX  XXXX XXXX Balance : {$3100.00} ; XXXX XXXX  XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$3500.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

Attention all! Never ever buy a product fromXXXX XXXX  I repeat never ever buy an XXXX appliance EVER from them or through The Home Depot I bought a $ XXXX XXXX refrigerator in XX/XX/XXXX brand new through The Home Depot wasnt received until XX/XX/XXXX Stopped working all together XX/XX/XXXX literally unusable not cooling or freezing. XXXX wont fix it, replace it or respond. Says part ordered for over a month. XXXX Contractor was super nice and helpful but said hands are tied and has to be replaced and with the office.. Multiple calls and emails and no one responds and Home Depot says not their problem since its been purchased under a year and falls under manufactur warranty and I bought the extended warranty and purchased on my Home Depot credit card. I am now over a month without a working applicance and no support from XXXX XXXX or XXXX stay far away!!! I had them remove my old appliance when they delivered my new one so now I am without appliance! does anyone have a connection at either place that can help me actually get my appliance replaced or my money refunded so I can buy a new one?
Product: Debt collection

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Im aware section 609 requires you to have a contract bearing my signature verifying that the debt truly belongs to me. Please show me this documentation otherwise delete this unverifiable account from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep mailing dispute letters to Equifax and they keep sending back stall letters and not fixing my issue with a late payment on my credit report I explain XXXX XXXX XXXX XXXX has reporting XXXX different months reporting late payments XX/XX/2021 and XX/XX/2021 and that is a clear violation under FCRA code15 U.S. Code 1681s2
Product: Checking or savings account

I was supposed to Receive my paycheck on Thursday XX/XX/year>. I heard nothing from my bank that there was an issue at all, there was a banner on the mobile app that there was an technical issue but no further information. When I didn't get paid by midday I decided to search what is the technical issue that Capital One bank was having. It said on XXXX from a third party that they were having issues with ACH processing with the deposits. I attempted to call Capital One to see when these issues would be resolved and when I would be receiving my paycheck. When I Finally reached an associate they told me that they didn't know when the issue would be resolved and they also didn't know when I would be able to receive my Funds from my Job. They told me it might be later in the day but it should be in the morning. Friday morning comes around and my paycheck still was not available or even showing pending. I Noticed that there was an email that I had received at XXXX Thursday night but it was very vague on the explanation and the timeframe we will be receiving our Payment. It is now Friday XX/XX/XXXX, I called Capital One again today and was on hold for 2 hours before getting in contact with anyone. I spoke with a rep and she stated that there still has not been an update on when we would get paid or why this is happening. I have been completely left in the dark through this situation and it is very frustrating that this situation has been so mishandled and there is still no clear resolution in sight.
Product: Credit reporting or other personal consumer reports

inaccurate reporting to consumer report and violation of privacy. I've reached out to the company in regards to all the violation they're doing in regards to my rights listed below. I'v sent notice XXXX, PRIVACY ACT OF 1974 15 USC 1681 15 USC 6508 15 USC 6802 15 USC 6805 16 CFR 313.7 16 CFR 433.2 15 USC 1681 eb 15 USC 1681 i7 I HAVE NO CONTRACT WITH XXXX XXXX XXXX ACCT XXXX XXXX AND THEIR IN VIOLATION OF 5 USC 552a
Product: Credit reporting or other personal consumer reports

i notice fradulent account and inquires on my account. these occurred recently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX, part of XXXX XXXX, has referred to Professional Credit Services, XXXX invoices totaling {$130.00} as unpaid. I haver communicated with XXXX XXXX XXXX XXXX to no avail. These amounts are fully paid and I have provided the dates, amounts and check numbers as to when they were paid. 

I suspect fraud.
Product: Checking or savings account

In accordance with United States Codes and Federally protected consumer rights these violations are noted and probably more, 1026.13 Billing error resolution. Violation? I don't know forsure 18 U.S.C S.s.1029 Violation 18 U.S.C c.47 Violation 18 U.S.C S.s. 1030 Violation 18 U.S.C 1644 Violation 47 U.S.C 325 Violation 15 U.S.C 1635 CHIME Bank ICBC XXXX XXXX # XXXX Reused to return my funds of XXXX $ from an unauthorized transaction that occurred XXXX or XXXX I'm still trying receive my money Back from this deceptive fraudulent corporation my I did everything they asked to get it return each time I was to receive my credit or any similar an issue occurs whereas the time frame has just reach its limitations the same the funds where to Be deposited instead denied deceptively.
Product: Credit reporting or other personal consumer reports

Since XX/XX/2023, I have been disputing the information on my credit report, as public records as well as a couple of accounts included in bankruptcy were being reported as mine. I have been requesting how they were validating and recording that data on my report. I have sent various letters requesting the removal of these items, but their responses have been crude. Therefore, I am applying for an investigation by the CFPB ( Consumer Financial Protection Bureau )
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I responded to an online ad to get a personal loan from Net Credit in Arizona. After I correctly typed in all my private information including fist and last name only and my email address. Net Credit should a credit score from XXXX of XXXX under my fist and last name only. 

I was pre-approved for {$1800.00} and was told I needed to input my banking information, list how much money I put into the account on what day of the month, list how many times I was paid, select how much of the pre-approved funding I wanted cash advanced and sign the online documents for the deposit to be placed into my account. 

On XX/XX/2023, after I completed this process entirely, the CSR submitted for final approval and within seconds, I was denied any funding for the reason " Unable to verify identity from XXXX ''. 

My XXXX credit score was improperly accesses by this company. I believe this company has created some form of consumer criminal act to build up accounts information and private information leaving consumer information vulnerable to be affect by a security breech.

I asked Net Credit CSR how they got my credit score after I've witnessed it printed on the signed contract agreement, I printed out the agreement prior to final approval for what I thought would be a deposit. Net Credit CSR choose not to answer.

Net Credit representatives repeatedly told me, funding would be deposited into my account once I shared that information and if I did not, I'd have 90 days to accept the loan.

After the denial of the loan, I asked Net Credit CSR why and how, they just stated it will be now difficult to receive a personal loan from them since there are conflicting credit reports and frauds listed on my credit report. I requested Net Credit to remove and delete my private information they refused. I am now forced to close my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in XX/XX/XXXX when I was forced to close my business. My bankruptcy has since been cleared from all of the National Credit Reporting Bureaus, however, XXXX XXXX continues to report an adverse item of information by using verbiage in a comment field that states Reaffirmation of debt. Although accurate, reporting this adverse item of information directly violates FCRA 605 ( a ) ( 5 ) that prohibits reporting of Any other adverse item of information which antedates the report by more than seven years. 

I initiated dispute with Trans Union and XXXX XXXX XXXX in XX/XX/XXXX and have continuously disputed this item for over a year. The account in question was for an auto lease that was paid in full ( early, XX/XX/XXXX ), never late, never derogatory. I requested and received two documents from XXXX XXXX stating this truth and sent these via certified mail to TU along with a dispute letter. 

Because of the comment furnished by XXXX XXXX XXXX, Trans Union extrapolates, derives, and expands on this information to include, but not limited to the following : Trans Union has and continues to report the account as derogatory in direct violation of FCRA 605 ( a ) ( 5 ) cited above.

Trans Union continues to report a bankruptcy on my consumer file in violation of FCRA 605. [ 15 U.S.C. 1681c ] that states " ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
As a consequence of this adverse reporting, Trans Union has and continues to furnish a credit score that is 30-40 points below scores reported by both XXXX and XXXX. 
By furnishing this adverse information in violation of the FCRA, I will attest that both Trans Union and XXXX XXXX XXXX together have failed to comply with the purpose and the spirit of the FCRA in whole that states the following : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX reporting agency, 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

My complaint is with XXXX  and XXXX and XXXX. XXXX  continues to report misleading credit information on their fee for service site. XXXX. Credit scores and account information on their website contradict and are completely different then what is reporting to agencies such as XXXX XXXX and XXXX and Discover. 

XXXX  displays more positive account reporting. After attempts to be approved for tradeline credit based on their fee for service account, lenders such as XXXX XXXX and XXXX report back with profoundly lower credit scores and defamatory credit information such as recent delinquencies, bankruptcies, chargeoffs as well as low available credit. I was also informed by Discover XXXX   uses a 3rd party called Furnisher. I have never initiated nor authorized any services from Furnisher. Furnisher has blocked and flagged my individual personal credit as problematic, high risk and extrey derogatory. Neither XXXX and XXXX nor XXXX  have credit score information and scores matching XXXX and XXXX ' letter of declination. I find this practice to be fraudulent and quite discriminatory. I'm a conversation with the lending representative, he could not answer many of my questions of standardization of credit approval. He said it is case by case and based on reporting from XXXX. The same website reporting contrary information. I paid this company XXXX a month to monitor my credit ACCURATELY. Their ratings are noticeably lower than XXXX  and XXXX   in my case. None of the scores listed on any of XXXX AND XXXX 'S declination letters matched XXXX  customer reported information. Nor did XXXX XXXX XXXX 's XXXX XXXX third party site.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my XXXX credit report and found Americredit Financial Services had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.
Product: Money transfer, virtual currency, or money service

I have a Coinbase account, with a Coinbase " wallet '' and a " XXXX '' in which I store bitcoin. 

The XXXX functions as an additional safety measure, and requires verification from 2 different email addresses prior to authorizing the transfer/withdraw. 

Over the past week, I have been trying repeatedly to transfer the full balance of my XXXX  to my Wallet. The link to my primary email ( XXXX ) works fine. However, the link to my secondary email ( an XXXX account, XXXX ) does not work. Anytime I click the link it tells me that " this action has already been performed '' even though it has not. As a result of this, my money is essentially trapped in the XXXX. Searching the internet, it seems that many other people have had this issue using XXXX/XXXX   accounts, and is a result of the additional security measures these email serves utilize. When I created the account, there was no warning to avoid using these accounts. 

Over the past 2 weeks, I have submitted 5 complaints to Coinbase. All were given an automated response which did not resolve the issue. I finally got an authentic response, and was asked if I wanted Coinbase to manually transfer the money back into my Wallet, and then delete the XXXX. I responded that yes, I wanted this to happen. Even though I responded promptly ( and have the email to prove it ) days later I got an email from them saying that I needed to respond within 48 hours or my complaint would be closed. I replied within 2 hours of receiving this email, nevertheless, I received an immediate response from them saying that my ticket had been closed, and that I needed to file another complaint. 

So essentially, my money has been trapped for 2 weeks, with very disappointing effort from Coinbase to help remedy the issue -- despite multiple attempts on my part. Any assistance you could provide in helping fix this issue would be much appreciated.
Product: Checking or savings account

on XX/XX/XXXX someone deposited {$7000.00} in my fifth third checking account without my knowledge or permission. When I notified the bank about this mistake. They placed a half XXXX ( {$500000.00} ) debt on my account to restrict me from my account. So I would not have access to the {$7000.00} or any remaining money in my account. They also told me my account will be closed. On XX/XX/XXXX I was expecting a direct deposit from the department of VA in the amount of {$4100.00}. I went to the branch located at XXXX XXXX XXXX. XXXX OH XXXX. The white bank teller rolled her eyes at me and told me they were closing my account. I asked her to call someone at the bank to find out what happened to. my direct deposit. She would not do it and the manager was no help either. Both her attitude and the manager attitude was very unprofessional to say the lease. Fifth third bank is not giving me the remaining funds in my account nor are they giving me the {$4100.00} that was sent to me by direct deposit from the department of VA on XX/XX/XXXX. And I do not owe this bank {$500000.00}