23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Previous attempts have been made to obtain proof of verification for these items on my credit report. With each attempt, TransUnion has come back with merely a " verified '' or " updated '' without providing any proof of what they received showing that i am personally liable for these accounts ( documents with my signature ) nor did they provide information such as the name of the person at each of these entities who verified the information, which is my right to request. 

At this point, TransUnion is in violation of the FCRA by failing to provide documentation showing a fair and complete investigation. Just because they add a note of " verified '' or " updated '' does not provide ANY proof that I am liable for these accounts, or that they are mine. 

I demand that these items be deleted off of my credit report because after months of asking for proof of validation, they have provided NONE - which proves that these accounts are not legally verified and are being reported erroneously, violating my rights as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX ( reporting TWICE ) XXXX XXXX XXXX # XXXX
Product: Credit card

PayPal Inc. offered a Synchrony backed credit card promotional offer of {$50.00} off my purchase during checkout of an online purchase I was making on XX/XX/XXXX. I signed up for the card. The {$50.00} off was not applied at checkout by the merchant. I paid off the amount to satisfy the amount above {$50.00} on XX/XX/XXXX. I did not receive the {$50.00} credit toward my purchase. On XX/XX/XXXX, a late fee was applied to the account. I contacted the Customer Service line on XX/XX/XXXX to request more information. Customer Service explained that I would not receive a {$50.00} credit, but instead {$50.00} Cashback Reward point on the account. I informed them that was not the offer made at signup. All that was offered were apologies. With Customer Service refusing to offer any additional options, I terminated the phone call and the remaining {$50.00} balance + {$29.00} late fee the same day on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have been paying off credit card debts and collections. XXXX and XXXX have updated the accounts on my credit reports to accurately reflect account statuses. TransUnion has not. I am providing information below on the two accounts that have been paid in full but are still showing unpaid balances on the TransUnion credit report as of XX/XX/2024. 

XXXX XXXX US Department of EducationXXXXXXXX XXXX This student loan was paid in full on XX/XX/2024. On XX/XX/2024, I contacted XXXX to confirm when they would update the loan status as paid in full to the credit reporting agencies. The representative indicated that they had already sent the updated information and recommended that I file a dispute with each credit reporting agency. XXXX, XXXXXXXX XXXX XXXX completed their investigations and updated the loan balance to XXXX  on XX/XX/XXXX and XX/XX/XXXX respectively. 

On XX/XX/2024, TransUnion completed their investigation and indicated that the loan was still open, not paid off, and shows a balance of {$48000.00}. That same day, I filed a second dispute with TransUnion regarding this student loan. I spoke to a representative at TransUnion and he recommended submitting the supporting documents by mail. I included the following in the dispute packet sent out on XX/XX/2024. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This collection account for {$5200.00} was paid in full ( not settled for less ) on XX/XX/2024. XXXX  indicated in writing that they would send a request to the credit reporting agencies to delete this collection account after the account was paid. 

I spoke to a representative from XXXX and she confirmed that they sent requests for deletion to all three credit reporting agencies on XX/XX/2024. XXXX and XXXX removed this collection from my credit report on XX/XX/2024. As of yesterday XX/XX/2024 TransUnion is still listing this collection on my credit report as unpaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has an Item listed on my credit report from  XXXX  and they refuse to remove it. Actually they put the item back on my credit report after removing it back in  2016 .  XXXX  has notified me that they advised Experian that the item was to be removed. It is evident by the proof that I have which is attached that Experian is in violation of federal law and they are just trying to hurt my credit worthiness. This item needs to be removed immediately.     Secondly ( see attachment ) that Experian is reporting that an old student loan which was sold or transferred was late on a payment. I was never late and yet they report me as late and even list in the comment section that they can not verify it but yet have me as late. Once again violation of Sec tion 609 of the FCRA. Thi s needs to be updated to reflect never late as I was never late and they can not verify their reporting.     Third they added a security Freeze to my account and I did not ask them to do so. This needs to be removed immediately
Product: Mortgage

Mr Cooper has messed up my VA loan. They started charging me for property taxes even though I am exempt from property taxes. It messed up my escrow and they started charging {$500.00} extra. Now they are saying I am behind and have totally messed up my payments and credits score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer by law & my information was misused and now I have false & 100 % inaccurate accounts on my credit report
Product: Credit reporting or other personal consumer reports

Ally financial denied my company access to their auction platform. I questioned the decision why they denied credit? 
They sent a letter stating the following. 

Due to adverse public information
Product: Debt collection

I am very protective of my identity as I noticed this collection was added to my credit reporting with all three bureaus. First you guys are falsely reporting information that does not belong to me. You have a different name that does not belong to me. An address attached to that collection does not belong to me. This must be removed immediately before I have to take legal actions against you guys for false accusations. I have researched and reached out to the original company, XXXX, and they have no records of me ever having service with them thats associated with my social security number. You guys cant be threatening people with information that you assume can be theirs. You cant pick and choose who the collections belong too. This account was also falsely open without my permission and my social security number was never used for my identity protection. If you can not prove that this is me, remove this account immediately or I will have to service the next step into legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX about account number XXXX reported by the XXXX XXXX XXXX XXXX.in a amount of {$880.00}. I told XXXX that I dont owe any money to the company reporting this Item and I want this to be out of my credit report because it is negatively impacting my score and my credit. I attached all the proof that I do n't owe any money to XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information listed on my credit report are all more than years old and reflect closed but have not been removed, please see below : XXXX XXXX  - Closed XX/XX/XXXX XXXX XXXX - Closed on XX/XX/XXXX XXXX XXXX XXXX - Closed XX/XX/XXXX XXXX - Closed XX/XX/XXXX XXXX XXXX- Closed XX/XX/XXXX XXXX XXXX XXXX - Closed XX/XX/XXXX XXXX XXXX - Closed XX/XX/XXXX XXXX 2 accounts
Product: Money transfer, virtual currency, or money service

XX/XX/2021 - I created my Gemini account on XX/XX/2021. 
- While my verification was processing, I connected Gemini to XXXX in order to withdraw funds. 
- I processed a withdraw from XXXX to Gemini  in the amount of {$530.00} - Gemini notified that I was required to complete a domestic wire transfer for ID verification in order to deposit, trade, or withdraw. This directly contradicts the acceptance of my deposit from XXXX. 

XX/XX/2021 I had to open a new bank account because my bank did not support wire transfers ; processed a wire transfer of {$150.00}. 

XX/XX/2021 The wire transfer completes. Gemini notifies me of the transfer. 
Gemini notifies via email that my ID verification is complete : " Your identity has been verified! Sign in to enjoy the full Gemini experience. '' I exchange my {$680.00} USD to XXXX. 
I attempt to withdraw my XXXX to an offline wallet. 
Gemini does not allow me to withdraw XXXX with an error message stating : " Your transfer requires additional review by our risk team and can not be completed at this time. '' There is no indication of what steps should be taken to resolve this issue. There are no instructions for how to proceed. 

I contacted support immediately. The only way is via creating a support ticket, there is no telephone contact information. 
I have yet to receive a response.
Product: Debt collection

I had a XXXX XXXX credit card for nearly twelve years. From XXXX until last year. I already paid the card off on time or made the minimum monthly payments. Everything was fine, up until XXXX, when my card was hacked and used with fraudulent purposes. This is when you need the most support from a company. I called them up and asked for fraud protection to cover this scam hacking attempt on my card. Instead of helping me, they would not honor their word and protect me. Instead they claimed the fraud was liable on my part, which is absolutely ridiculous. 

Not to mention a complete and total lack of loyalty after being a customer in good standing for well over a decade. Subsequently, they started to accumulate debt on top of the fraudulent debt, they raised the monthly minimum payment to an astronomical amount I could not longer afford. 

Upon calling them for assistance, they consistently were not helpful and did nothing to help me, especially during the worst pandemic in modern history no less. 

In XXXX of last year, they closed down my account errantly and discharged the debt. I then received lawsuit court papers in XXXX of this year out of the blue from a collections agency, posing as a law firm, which you will see right on their letterhead, which in and of itself is fraudulent to pose as a law firm, when in fact you are nothing more than a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was an unauthorized inquiry.
Product: Credit card or prepaid card

On XX/XX/2021 I received an email stating that my " MoneyLion XXXX XXXX '' accounthad been approved. I never applied for this account. I was able to access the website, which used my email address as my user name and I chose " forgot password '' so I could change it and access the account. I found out that someone had fraudulently applied for and got approved for an account in my name, using an old address that I haven't lived at for over 5 years. There was a {$190.00} available balance with a routing number of XXXX ( I have no accounts with that routing number ). I immediately contacted MoneyLion customer service and reported this as fraud, and they sent me an email confirming that the account was closed on XX/XX/XXXX at approximately XXXX XXXX MST. It was odd too because the customer service representative started asking me for very personal information, including my date of birth and social security number, so she could make sure she was closing the " right account ''. I informed her that she should already have this information and I refused to give it to her over the phone. I also locked my credit at that time with all three major bureaus. Since then, I have been receiving numerous emails from Moneylion asking me to " activate '' my card, etc. I have forwarded these emails to MoneyLion customer service asking them to stop sending them to me since the account was purportedly closed.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX - Balance : {$350.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$3200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$3200.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$500.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$500.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$500.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$2200.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$2200.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$590.00} XXXX # XXXX XX/XX/XXXX - Balance : {$590.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2024, ( pretty sure of date ) I received an email that new cards were being mailed and our mailing address was changed. I called Citi ( the credit card company involved ) and asked what address the cards were being sent to. They could not tell me for privacy concerns, but they did cancel my card at my request and said they would issue a new card. Before they cancelled my online account, I logged in with username and password and checked my address. Sure enough a new mailing address had been added ( XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NY XXXX ) though the account address remained my address in the central part of the XXXX. Before I could delete the NY address, I needed a verification code by text ( or email ). I entered the verification code and deleted the NY address. I then called Citi back and asked how the address was added ; didn't whoever added the address and requested cards have to be able to answer to my email and/or cell phone number. I was told scammers are very clever. I asked for and was given another number for the investigational team. They did not handle this type of question and referred me to the fraud department which, you guessed it, referred me back to the customer service department. We received our new cards today, XX/XX/2024. After I activated the new card, I called the fraud investigation team number and was told they only investigate charges that I report were not mine. I asked who could tell me how someone could request new cards and go through the verification process I have to go through and was told they do not handle that type of thing. I asked who did and how to determine how this happened. No answer was given and I'm sick to death of hearing apologies for any inconvenience. If Citi does nothing about this type of thing, it seems to me they are not doing their job. It seems as though they may have some internal problems and thus no one looks at fraud problems. If this isn't something they look at, they should! 
Thank you for any help you can offer. 

PS. I contacted a PI to check into this address. He suggested I contact you.
Product: Credit card

I applied for a new Barclays XXXX XXXX XXXX XXXX XXXX credit card online on XX/XX/year>. The application ID # assigned by Barclays Bank is XXXX. 

This application was approved by Barclays Lending department over the phone with {$2000.00} credit line assigned to this new card. However, before the new card was released to me, Barclays Security department requested me to submit a number of documents including the copies of my drivers license, social security card, and utilities bill. I have extremely high credit score and outstanding credit history. I never experienced such strange requirement to submit those documents for new credit card applications with any banks in the past. 

I still submitted all the required documents via fax to Barclays Bank on XX/XX/XXXX. Then I called Barclays Security Department and was told that those documents will be reviewed and my application will be fully approved within 48 hours. However, it has been more than 3 days, but my application is still pending. I called Barclays Security Department multiple times, but was told that they have not processed or reviewed my submitted documents yet. 

I am extremely disappointed with Barclays Bank. I request Barclays Bank to review my submitted documents and fully approve my application immediately without any further delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting account number XXXX on my credit. I do not own this account. I don't have any information on the account. The bank can not provide any proof of ownership or a full account number for investigation. I have tried disputing this account but the bank is failing to provide any information besides statements that do not contain the full account number.
Product: Mortgage

I am a XXXX XXXX XXXX XXXX In Texas I am 100 % excluded from paying property taxes. My county appraiser sent the mortgage company notification I have a XXXX amount due for 2024 and for life. I also sent message asking why they were not adjusting my mortgage. An AI answered and said that it had to show XXXX dollars for taxes. In XXXX they showed I have a XXXX $ tax bill. Now they put it as XXXX XXXX  to show an amount. They have kept the {$8600.00} I have in escrow and continue to charge XXXX a month towards escrow. My insurance payment is {$520.00} a month. My mortgage should be {$2300.00} a month. They are continuing to charge me {$2900.00} a month and kept the overage. According to the answer i received it should have been adjusted in XXXX when they saw I don't pay any property taxes.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX and TransUnion credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX CARD XXXX Balance : {$29000.00} XXXX CARD XXXX Balance : {$5200.00}
Product: Checking or savings account

I am writing to file in complaint against Navy Federal credit Union regarding multiple overdraft fees i have incurred despite having significant funds when transactions were authorized I was charged fees due to lagged posting of charges and credit this issue, a lines with the recent CFPB findings against Navy Federal credit union and similar practices where transactions settled with insignificant balances despite initially available funds I believe these practices are unfair and request an intervention into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance : {$35000.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$35000.00} XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Credit card or prepaid card

Reported lost card XX/XX/XXXX Called XX/XX/XXXX, again XX/XX/XXXX to report new card Not recieved. Must be lost in mail I was required to say my previous lost card information or tell my new card information that had Not arrived yet When I could not I WAS UNABLE TO VERIFY MYSELF TO USAA so I could not get replacement card On XX/XX/XXXX I was well enough to try again ( XXXX and No Access to banking with USAA ) Auto service asked Lost Card I responded LOST CARD Prompt said a 25 min wait I waited my call was never answered I called back 2 hours later explained LOST CARD and was told a 25 min wait. And again No one Answered after 1 hour wait USAA DOES NOT RESPOND TO PROTECT AGAINST FRAUD Please cancel card I did not get I do not know the number to tell you cause I did not get the card yet Stop telling me to discuss my account I must recited the new card info. Or Old card info I do NOT HAVE EITHER TO BE VERIFIED It is bad enough this on line banking only company GIVES NO ACCESS ON LINE ( due to XXXX ) NOT ADA ACCESSIBLE AND GIVES NO ACCESS BY PHONE AS WELL. I had fraud XXXX unresolved and fraud XXXX unresolved And Can Not report a lost card? USAA IS NOT AVAILABLE TO CONSUMERS HAS NO FRAUD PROTECTION