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

Problem with Transunion : I can not get a free report. 

History of the problem : For the first time in my life, on XX/XX/2018 I attempted to acquire all 3 major reports by checking each box of Transunion, XXXX, and XXXX  through the website XXXX XXXX XXXX. 

The data entry screen was filled out with the correct personal information. 

In the first 2 selections ( Transunion, XXXX  ), I got error messages and the reports were not generated. In the third case on this same multi-attempt, I received the XXXX   generated report in pdf form successfully. 

I contacted my credit card company to alert them I could not get the Transunion report. They told me to try again by filling out the form, as done before on XXXX XXXX XXXX On XX/XX/XXXX, I did this and again ... now the prompts state I have already received the report from Transunion, by selecting only their box on the entry screens. ( did not try XXXX ) I called Transunion twice on XX/XX/XXXX, in each case the representative walked me through the process online and the same message appeared, " unable to process ''. The first representative referred me to XXXX XXXX XXXX to set up my account to see the report. It was NOT as expected. It is an HTML, watered down version of a pdf / hardcopy report with little detail. In addition, its packed with subcription solicitations which are NOT free. 

The second representative walked me through again, and same result : I was locked out because it states I have already received the report I then spoke with a Transunion supervisor ( XXXX ) finally and he verifies that error codes are present based on my request attempts at their recommendation. However he is unable to do anything about it. and referred me to XXXX to request a hardcopy by mail. I did that. It requires 6-8 days. XXXX was useless in resolving my complaint. 

However, the root cause problem is the https : XXXX Website spitting error messages, which after one time of error messages, locks me out from receiving my free annual report. " XXXX '' is unable to explain why but bear in mind, my first attempt to procure the 3 credit reports had generated one successful report of the 3 ( XXXX ). 

Thoroughly disgusted with the process here. And will now have to wait 6-8 days to see if a hardcopy shows up in my USPS box. The problem at Transunion, they are all stuck in their departmental chimneys and won't learn about the customer problem, only they recite the pre-programmed rhetoric they are empowered to convey which still does nothing for me the customer.. 

I still have no report and it is a FEDERAL STATUTE that I am entitled to this information. Transunion as of today has not met the requirements of the law.. 

Assuming no mail hardcopy by at latest on XX/XX/XXXX, what is the recourse of action to take against Transunion, short of PAYING FOR IT? 

Next up : Attempt to get XXXX report. Wish me luck.
Product: Vehicle loan or lease

On XX/XX/2023 I went into US Auto Sales- XXXX - XXXX XXXX @ XXXX XXXX XXXX, XXXX NC XXXX with my pre approval to make a Consumer Credit Transaction to receive Financing for a vehicle. 

This XXXX expressed that they were under TRUTH IN LENDING and continues using Confusing or misleading advertising or marketing requiring down payments or installments to be made in connection with financing. Pursuant to 15 USC 1662 [ No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit XXXX state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. 
( 2 ) that a ( specified downpayment is required in connection with any extension of consumer credit ), unless the creditor usually and customarily arranges downpayments in that amount. ] I know that I am a Consumer and as a consumer it is my credit that is being extended for financing to be possible and that once I am approved for financing then I should not be required to make any cash payments or installments pursuant to 15 USC 1605 The finance charge does not include charges of a type payable in a comparable cash transaction. 

XXXX XXXX the sales representative along with XXXX the XXXX continued to use High-pressure sales tactics to enforce a downpayment although this was a XXXX XXXX transaction. 

I have intentions to purchase the vehicle in good faith as personal property to have a reliable means you and from work. Due to these unfair and deceptive practices I have been fraudulently denied the right to extend my credit and act as a consumer and would like to claim damages loss due to this negligence.
Product: Checking or savings account

Pentagon Federal places a 6 day hold on deposits that are made to a Premium Savings account even though the funds deposited were transferred from a Pentagon Federal checking account owned by the same person that are already collected funds.
Product: Checking or savings account

Several weeks ago my card was compromised and I was alerted by 5/3 bank that there suspicious activity. I saw several unrecognized charges from " XXXX '' on my account. I haven't had hulu for years and the last time I had a subscription through them was tied to an entirely different bank. Additionally, the consecutive charges from XXXX were suspicious. I called 5/3 and they froze my card at my request, but didn't remove the charges. Apparently, that's a different phone number that I would have to call at my convenience to have those charges removed... I called the other number and contested those charges... which then took forever to get a " provisional credit '' for. I received a new debit card and today .... once again, a charge from XXXX pops up on my account. I would call 5/3 directly, but they're obviously quite inept at handling fraud and push all the work on to the customer. They'd probably just want to issue me another card and it would happen all over again...
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX 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
Product: Checking or savings account

In XX/XX/year>2024, I attempted to cash a check that was signed over to me by my father. I deposited the check to my 360 checking account through the mobile app. After waiting over three months, I was told that the check was flagged as fraudulent since they were unable to validate the check. 

I was not provided any assistance by anyone on how to clear the allegations. Capital One failed to provide me with an affidavit or approved document to defend myself against the accusations of fraud. 

I have been told as of today that they have made a final decision and there is nothing they can do to assist in resolving the matter.
Product: Credit card or prepaid card

Upon opening this account, it was understood that my account is an interest free account. In the very beginning, I was notified of the payment due date and immediately informed them that this date would not work for me. They agreed on a new date that was honored by both parties. I began submitting payments on the new agreed upon payment due date. I then received a late fee that was reversed. The next month, the payment was made XXXX  day prior to the due date and they charged another late fee. Even though they were aware of the date change, the fees from this point continued to add to a current three digit amount even though I have never been late nor have I missed a payment. Upon trying to resolve this issue, the personnel that I spoke with all said the same thing. I was told there was nothing they could do after the fees reached a three digit figure unless I spoke with a Vice President ( VP ) in which I did but even they were duplicating what was previously stated to me. Before our conversation could conclude, I had to cut it short due to commitments at my place of employment. I told the VP that I would call them back to conclude our conversation but after several attempts, my calls went unanswered. I then decided to contact Consumer Finance Protection Bureau for a possible solution or resolution. I have no intentions of paying them anything other than my agreed upon monthly payment. This account started in XXXX of XXXX, my scheduled payment amount is XXXX due on the XXXX of the month.
Product: Credit card or prepaid card

Someone stole my identity address phone information to apply for a credit card from XXXX XXXX bank Chase Bank also XXXX XXXX, then the chase bank credit card was approved, the bank sent the credit card to my home address via XXXX, and then they called XXXX to transfer the credit card Send it to their address, as follows ( XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX ), until I received a letter from chase bank, I didnt know that someone used my identity address information to open a credit card account, I immediately called chase bank and returned Some banks told them that my identity information had been stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX has flagged your account as 60 Days Past Due on XX/XX/XXXX. On XXXX of my credit reports knowing I filed for XXXX  XXXX Bankruptcy XX/XX/XXXX, they have called me several times and sent emails.
Product: Checking or savings account

Chase charged me over 6 overdraft fees. The fees would not have been assessed if Chase would deposit my paycheck on the day I receive it which is on Friday but they hold the money until Saturday which causes them to make illegal money from my pay because transactions that are set up automatically process which then they charge this fee when they risk no loss due to the insurance of the account. Chase is also making money by the interest all their customers accounts make when deposits are made into their financial institution.
Product: Credit reporting or other personal consumer reports

The companies listed, including XXXX XXXX, XXXX, XXXX XXXX, Loqbox, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX, have reported inaccurate and unverifiable information to my credit report. These errors, which have not been corrected despite previous disputes, suggest fraudulent activity. XXXX has failed to block these potentially fraudulent accounts, causing significant harm to my credit profile. The lack of proper verification and substantiation of these accounts points to ongoing violations of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against TransUnion for their failure to adequately respond to a dispute letter that I mailed on XX/XX/2023, requesting an investigation into inaccurate items on my credit report. In my dispute letter, I specifically requested investigations into the following entries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and US BKPT CT DE XXXX - XXXX. Additionally, I disputed incorrect personal information listed on my credit report. 

To assist TransUnion in verifying my identity and address, I included copies of my photo ID, social security card, and a recent bill with my current address. 

However, despite mailing the dispute letter and providing necessary documentation, I received a response from TransUnion, dated XX/XX/2023, indicating that they were unable to process my request because it did not appear to have been sent directly by me or an authorized third party. This response indicates a failure on TransUnion 's part to acknowledge the legitimacy of my dispute and comply with their obligations under the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, credit bureaus are required to conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. It is evident that TransUnion has failed to fulfill this obligation, thereby violating my consumer rights.

Enclosed with this complaint are copies of the dispute letter I sent to TransUnion, along with TransUnions response, serving as evidence of my attempt to address inaccuracies in my credit report and TransUnion 's failure to conduct a proper investigation.
Product: Credit reporting or other personal consumer reports

Ive made a number of attempts to communicate with Rushmore Servicing, Mr. Cooper Group to no avail, to resolve an apparent issue with my payment history not being report to the credit reporting agencies. Prior to XX/XX/XXXX the company being taken over from XXXX Lending my monthly payments were being reported to credit agencies. Late, I received a letter from Mr. Cooper, that stated my information have been subject to a data breach.. 

Currently, its stated on Rushmore Servicing phone system, that my account is in a bankruptcy filing status and am no longer responsible for the debit. I submitted a written letter to Rushmore Servicing on XX/XX/XXXX2024, per XXXX, Upon, trying to explain to Rushmore Servicing that my filing was in XX/XX/XXXX and Discharged XX/XX/XXXX. After stating to XXXXushmore Servicing, my conversation with XXXX, XXXX XXXX filing remain XXXX  years after filing date, it has now been over XXXX yrs and Rushmore Servicing is refusing to report my monthly payments to the credit reporting agencies. Also, I had been informed by Rushmore Servicing that my attorneys office has to file a discharge, in which is not true for a XXXX  XXXX filing only required on XXXX XXXX filing. Please help me in this confusing conversation and matter.
Product: Credit reporting or other personal consumer reports

**Summary of Complaint : ** The consumer files this complaint against XXXX  for their willful refusal to provide account information and correct credit report inaccuracies as required under the Fair Credit Reporting Act ( FCRA ). Despite multiple good faith efforts to request this information and dispute inaccuracies, XXXX has failed to comply with its FCRA obligations. This complaint seeks redress without further escalation. 

On XX/XX/XXXX, the consumer opened a {$10000.00} personal loan with XXXX through XXXX XXXX XXXX. The consumer has consistently made at least the minimum monthly payments of {$270.00} and, in some months, paid additional amounts toward the principal. XXXX has been reporting the account status as current and pays as agreed, along with the minimum payment due, actual payments made, and remaining balance each month. 

However, as of XX/XX/XXXX, XXXX has deleted the balance and payment history for XXXX and XXXX and reported incorrect balances for XXXX and XXXX, which show increasing amounts contrary to previous reports. This incorrect reporting has negatively impacted the consumer 's XXXX and XXXX XXXX scores by XXXX to XXXX points monthly. 

Despite reporting these issues to XXXX in XX/XX/XXXX, the consumer has not received the requested balance history information or corrections to the credit reports. As a last resort, this complaint is filed to seek redress and correction of the credit report without further escalation. Several emails and phone correspondences between the consumer and XXXX  XXXX  and account supervisors has not resulted in any resolution.
Product: Credit card or prepaid card

see attatched USAA FRAUD TRANSACTION LETTERS dated XX/XX/XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX {$120.00} USAA CUSTOMER SERVICE SUBMITTED THESE AS FRAUD XX/XX/XXXX. WHY? WHY? THESE ARE RETURNED GOODS PURCHASED XXXX AND PAID ** BY MERCHANT XX/XX/XXXX ** BEFORE CLOSING DATE OF XX/XX/XXXX STATEMENT. see attatched XX/XX/XXXX statement. ** THERE ARE NO USAA CREDITS TO REVERSE. I DID ** NOT REPORT FRAUD ON THESE RETURNED ITEMS EVER! USAA REVERSED ONLY CREDITS ON ACCOUNT MERCHANTS {$340.00}. PAID XX/XX/XXXX. ( ** THIS RESULTED IN ** UNEARNED FRAUD REVERSED CREDITS. ) See attatched XX/XX/XXXX STATEMENT. IT CONFIRMS TRUTH. This created NEW PURCHASES ON XX/XX/XXXX. ** I DID NOT PURCHASE WHAT I RETURNED!! USAA OWES ME THE {$340.00} FROM XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX;		XXXX;		XXXX;		XXXX XXXX XXXX;		XXXX;		XXXX XXXX;		XXXX XXXX;	XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX;		XXXX XXXX XXXX;		XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX;		XXXX XXXX XXXX;		XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX;		XXXX;		XXXX;		XXXX XXXX;		XXXX XXXX XXXX;		XXXX XXXX;				XXXX;					XXXX;		XXXX;		XXXX;				XXXX XXXX XXXX;		XXXX XXXX;		XXXX XXXX;					XXXX XXXX;		XXXX XXXX;					XXXX XXXX XXXX;		XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX XXXX;				XXXX XXXX;		XXXX;					XXXX XXXX;		XXXX XXXX;		XXXX XXXX;				XXXX XXXX XXXX;			XXXX;		XXXX XXXX XXXX;			XXXX XXXX XXXX;		XXXX;	XXXX XXXX XXXX;				XXXX XXXX;		XXXX XXXX XXXX;		XXXX;				XXXX;		XXXX XXXX XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX XXXX;					XXXX XXXX;		XXXX;		XXXX;		XXXX;		XXXX;		XXXX  and			XXXX
Product: Checking or savings account

My husband and I share a joint checking account with Capital One. My husband did a mobile deposit yesterday XX/XX/XXXX at XXXX XXXX and Capital One cut off for business day is XXXX. We received two mobile alerts. First one said the funds would be available on XX/XX/XXXX and the next one said they would be available XX/XX/XXXX. Our checking account was opened on XX/XX/XXXX. When we saw the second hold frame, my husband called Capital One on XX/XX/XXXX and the representative at the time said we required to speak with a manager next day to do a deposit override. My husband and myself called to speak to a Manager today on XX/XX/XXXX who went by XXXX and informed us we were on a recorded line. She informed us there was nothing she could do as our account is considered new and that Capital One had the right to hold for four business days however XX/XX/XXXX to XX/XX/XXXX is technically five business days. I mentioned that the Expedited Funds Availability Act states {$200.00} must be released the next business day of deposit and she claimed there was no such law and we would have to wait until 24 hours to call and petition for any funds to be released.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of account I believe has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 are as follows. 
Account name & Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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.

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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows of has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have submitted my ftc report showing I am a victim of identity theft along with my court papers to show that the judge dismissed the claim and I did not owe the company. I have mailed this information 5 times and uploaded it to there system but they still refuse to remove the information even with all the information provided
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 U.S.C 1681. 

XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.