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

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX. transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

delete XXXX XXXX XXXXXXXX in accordance with the Fair Credit Reporting act XXXX Account # 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 ( XXXX XXXX XXXX ) I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit card

I examined my Consumer Reports and observed that there are two instances of delayed payments on an account for which I have a consistent history of making timely payments. Consumer Reporting Agencies play a crucial role and carry the responsibility of accurately reporting consumer information to the highest degree of accuracy. I want to clarify that I have always made my payments on time for the following account : XXXX XXXX XXXX XXXX XXXX. Also, I spoke with the creditor and they also confirmed I was not late specifically on XXXX XXXX 


I kindly request that you conduct an investigation into these reported late payments and provide supporting evidence in the form of statements indicating the specific instances of lateness. In the event that concrete proof can not be furnished, I insist that these payments be rectified and updated to reflect their true status as 'on time, ' as I can affirmatively state that I have never made late payments. 

Thank you for your prompt attention to this matter. ''
Product: Credit card

On XX/XX/2024 I received in my mail an unauthorized credit card in my name ( along with related printed information ) from Chase Bank. 

It was a Chase " Freedom XXXX '' credit card, bearing my name, mailed to my home address, including a five-figure credit access line and a 4-figure cash access line. 

I never solicited and never authorized that card. I was shocked to receive it. 

Within a few hours, I called Chase Bank and explained the situation. The Chase Bank representative, " XXXX, '' who identified himself as part of the " fraud team, '' took my information and promised me that the unauthorized card would be permanently closed. 

" XXXX '' also said that Chase Bank will : notify the 3 major credit reporting agencies of this incident ( and " XXXX '' said they'd remove it from my credit reports within about a couple of months ), and he told me I could add a fraud alert if I contact one of the 3 agencies. 

XXXX did not say if the unauthorized card had any unauthorized charges and I assumed there were no unauthorized charges. 

Accordingly, I must assume that the criminal actor is planning to use my stolen identity information for future efforts.
Product: Debt collection

Merchant Credit Guide has violated my rights according to 15 U.S.C 1692g-validation of debt. I sent my dispute letter requesting debt validation for account # XXXX I sent my dispute letter thru USPS certified mail. I did not receive any return mail within 5 business days to let me know they received my request for debt validation and are investigating the matter or any documents to verify the debt. which is a clear violation according to 15 U.S.C 1692g ( a ) notice of debt contents and is grounds for removal. Also, on my credit report the balances appear to be changing periodically and due to the non-response, I do not know. To my knowledge the account is inaccurate and has not been Validated
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous 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 an alleged fraud or extortion. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX. Please delete these accounts ASAP.
Product: Money transfer, virtual currency, or money service

Starting the XX/XX/2016, I fell victim to a fraudulent Binary Options companies named XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( the Companies ). Money was transferred from my account to the Company via credit card for a total amount of XXXX USD utilizing Navi FCU services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice when I was looking at my hard inquiries and soft inquiries when I did apply for a XXXX XXXX card they pulled my credit 3 or four times on the same day. That is something that should be flagged why would a credit bureaus allow that. Let a company pull someones credit report the same time in even two consecutive days. One had the last three digits changed to LLC. Something does not look correct. I know I had a XXXX XXXX credit card on my XXXX XXXX credit card before I closed the account I sent a new one and the phone number was not correct on the back. So I closed the account. I do not trust this bank ever again. I had to get the correct phone number from my mother to call while back. I am not understanding why they would pull my credit report many times. I would like this to be investigated with Experian first before the bank I dont even know what is the correct bank to send it to I will send the attachment were inquiring were inquiries then you guys can decide what is the correct place to send it to.
Product: Debt collection

XXXX XXXX XXXX and/or Pentagon Federal Credit Union misrepresented the total balance I owed on a credit card, after I paid the lower amount, they later levied the full balance against me. 

In XXXX of XXXX, I called Pentagon Federal Credit Union ( PenFed ) to make payments and settle my credit card debt of approximately {$25000.00}. I was told that the account had been sent to XXXX XXXX XXXXXXXX XXXX XXXX XXXX  for collection. When I made contact with XXXX to schedule payments, they told me the total balance owed was only {$6400.00}. I asked them to confirm as I knew the balance was roughly {$25000.00} ; they confirmed, and this led me to believe that they were settling the account for less. I scheduled a payment plan to start in XXXX ( see attached Debt Collector Letter ), but I was not able to begin payments at that time. However, a few months later, I called XXXX again on XX/XX/XXXX to begin payments. I asked again if the balance was only {$6400.00}, and they confirmed. So I scheduled six monthly payments of {$1000.00} ( see attached XXXX Payments ). After completing the first six payments, I received another letter requesting the final payment of {$430.00}. I called again and confirmed that this was the final payment and paid it on XX/XX/XXXX. 

In XXXX of XXXX, I noticed the status of the account on my credit report had not changed. I expected the status to show " account settled '' or " paid/closed ''. Instead, it was still showing charged off or balanced owed. So, I disputed the account, and when I received the results, the account was only updated to show the payments I made. So I called XXXX again to inquire about the balance still owed ; unfortunately, I do not remember the date or who I spoke with, but she told me that PenFed gave them the wrong amount ( {$6400.00} ) and now they needed to collect the remaining balance of roughly {$19000.00}. I asked how it was possible that I needed to pay the remaining balance when they assured me the total balance was {$6400.00}. I took no action but thought I would dispute it again with the credit bureau and add the collection and proof of my payments as I did not provide any documentation the first time. 

In XX/XX/XXXX, I finally found the attached letters ( the only remaining ones I have ) and pulled my statements together to dispute the account status through the credit bureau with documentation. In XX/XX/XXXX, I received the results from the dispute, and the account was " verified and updated. '' The credit bureau ( XXXX ) provided information regarding your bureau to further dispute or file a complaint regarding the results of my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I contacted SunTrust Bank to authorize {$1200.00} mortgage payment for the month of XXXX. In XXXX I found out that they had reported to the credit bureaus that I was delinquent for my XXXX payment when the money had been sitting in my bank, XXXX XXXX, all along waiting for SunTrust to take it. At no time did they contact me to find out if there was a problem and since the money had been deposited for the XXXX payment, I did not think there was one.  This error on SunTrusts part has caused my credit rating to be lowered when I was not at fault and this is an error on their part. I am actively working to try to correct this adverse report which has affected my credit rating and have contacted the bank numerous times. To date, they have not anything to correct the incorrect delinquency report they provided to the credit bureaus.
Product: Vehicle loan or lease

I leased a new XXXX XXXX XXXX XXXX through U.S. Bank. The lease started in XX/XX/XXXX and the monthly payment was {$480.00}. I was current through my entire lease of 36 months and the last payment ( # 36 )  was made on XX/XX/XXXX. My bank account was on auto pay so I was current throughout my entire lease and did not miss a single payment. My bank account was charged on XX/XX/XXXX for another monthly payment of {$480.00}. I called the US Bank postmaturity leasing department on XX/XX/XXXX, spoke to XXXX, and explained to her I had an extra payment withdrawn from my bank account and needed a refund in the form of check or a refund to my bank account. she explained that if I did not turn off or cancel my auto pay that sometimes US Bank incorrectly will withdraw another payment. I was told a check would be sent out to my house. On XX/XX/XXXX I received a letter from US Bank stating that all known charges associated to my lease have been satisfied. I called the end of term department and asked for a account statement to be sent to my home with detailed information of all my payments. I received a detailed account history on XX/XX/XXXX from US Bank but it DID NOT include the closing transactions which would show my overpayment of {$480.00}. I called on XX/XX/XXXX when nothing had come. I spoke to XXXX and was told that my check was cancelled In XXXX before it was sent out to my home but was not given a reason for why it was canceled. At this time I asked to speak to his manager or supervisor about my refund check cancellation and he said his supervisor, XXXX, would be in contact with me shortly. I did not receive a call so I called back on XX/XX/XXXX and asked for XXXX to call me. I was told she was in meetings and was unavailable and to wait for her call. She called and left me a voicemail while I was working two weeks later on XX/XX/XXXX. Her voicemail said to call her department back if I still needed assistance. So, I called back on XX/XX/XXXX and spoke to XXXX who apologized and said that research was being done on my account and should wait a few weeks until that was completed. I called back on XX/XX/XXXX, spoke to XXXX and was told that my account was still being researched. I asked her to send me a detailed account statement INCLUDING the closing transactions at this time. I received the same statement that I originally was sent WITHOUT the closing transactions. I called again on XX/XX/XXXX and spoke to XXXX who thanked me for being patient and stated that the research should be finalized within the next day or two and stated that she would bring this to her supervisors attention immediately. She said to call back in the next day or two if I had not heard back US Bank. I am concerned that US Bank is using these delay tactics on many of its customers to avoid distributing refunds owed. I am furious with this whole situation and how poorly US Bank has handled my refund and the customer service of US Bank end of term department.
Product: Credit reporting or other personal consumer reports

Company emailed me notice that they do not intend to investigate because they do not believe I authorized the inquiry 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. The information and Accounts listed below have violated my rights. 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 or has reasonable cause to believe that the information is inaccurate. Consumer must get three disclosures before personal information is disclosed to a non affiliated third party XXXX. Names disputes- XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) XXXX. Address Disputes- Address ID # XXXX - Address ID # XXXX Single family - Address ID # XXXX Single family - Address ID # XXXX Multifamily - Address ID # XXXX Multifamily - Address ID # XXXX Apartment complex - Address ID # XXXX Multifamily - Address ID # XXXX Apartment complex - Address ID # XXXX Employer Dispute : XXXX. XXXX XXXX - XXXX XXXX XXXX XXXX. Account Dispute - Account XXXX XXXX XXXX : Incorrect Status and balance Request immediate deletion - Account XXXX : XXXX XXXX XXXX  XXXX request immediate deletion - Account : XXXX XXXXXXXX XXXX XXXXXXXX balance and status. Request immediate deletion - Account XXXX XXXX XXXX XXXX XXXX : Incorrect account status and balance. Resolved account request immediate deletion - Account XXXX XXXX  Possible Finance : Incorrect status and Balance request immediate deletion - Account XXXX : XXXXXXXX XXXX XXXXXXXX status and balance. Request immediate deletion - Account XXXXXXXX XXXX XXXX : incorrect balance and status : request immediate deletion - Account XXXXXXXX XXXX XXXX : incorrect balance and status : request immediate deletion - Account : XXXX : Resurgent NO CONTRACT request immediate deletion - Account XXXXXXXX XXXX incorrect balance and status : request immediate deletion - Account XXXX XXXX  XXXX VIOLATION : request immediate deletion - Account XXXXXXXX XXXX XXXX  incorrect balance and status : request immediate deletion
Product: Credit reporting 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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Overcharged in purchase of new vehicle the best sale price was not honored as per nissan XXXX XXXX XXXX online advertisement report and an overcharge MSRP price was charged instead, with an extremely high loan interest rate.
Product: Debt collection

XX/XX/20 Tried to reach out to the company, and it was a cellphone number. This is not my account and I have never done business with Enhanced Recovery. I don't have a written contract or any agreement to pay. The amount they are saying I owe is {$350.00}, this was place on my credit report on XX/XX/20.
Product: Money transfer, virtual currency, or money service

I had an account with the digital wallet service, Cash App which is part of Block ( formerly Square ), Inc brand. Until relatively recently maybe a month so ago, the account closed by the company and reason stated I as the owner was in violation of terms of service. When attempting to appeal & contact said service to inquire why this issue occurred & how, I didnt receive any further information from them & received the same response as when the account was closed. Also, my numerous appeals were denied & I fear I was blacklisted ( using my personal information ) from attempting to making a new or regaining control of my old one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX date is continuously changed to remain on my credit longer than Fed law allows. Each time I dispute the incorrect information the company moves it out even further into the future. 
In reference to XXXX reporting : Report # XXXX shows account will be removed XX/XX/XXXX as a result of my XX/XX/XXXX dispute. 
Report # XXXX also shows XX/XX/XXXX disputed then moved date to XX/XX/XXXX Report # XXXX shows XX/XX/XXXX after dispute it was changed to XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove ALL these inquiries that are NOT Authorized by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I have a bunch of student loans that are apparently thru XXXX, which I have never even applied for thru on my credit. Looking at a current copy of my credit report thru Experian, it has no method as far as the dates and order that they are listed on my report. I find it odd that they jump around? As I did have student loans, I have always chosen income based repayment not sure what these terms are for these loans. It also puzzles me looking at how many are listed? When I applied for a loan thru XXXX XXXX, I requested one amount, XXXX and I think they approved it XXXX, then XXXX, but I'm not 100 % on exact amount. However, they did not list each dispersement as a separate loan ; it was one loan that was given to the school and the financial aid department then released funds every semester. This private loan wasn't even applied for until XXXX, and I graduated XX/XX/XXXX. I have no idea which school these loans are even for. I have disputed the XXXX previously but it looks like it only multiplied them, from my point of view only having a phone as I have been experiencing a hardship that is due to identity theft that I also believe may include money laundering as the information I have found is that my personal info is slightly altered like d.o.b ore name spelling as to move money like any lump payments, inheritance unknown and even reward/award funds that were unexpected and a chance for the fraud. As I have been dealing with this since XXXX and I have become less capable to focus all my attention on this situation due to the result that has led to loss of resources like a place to live due to illegally being evicted, closed credit accounts from duplicate cards n technology hack that mirrored everything causing confusion n misdirected charges n credits. I have no co signer ore other attachments that have the power to open accts in my name ore make financial decisions. I am curious to get the information on these accounts so I know the profile info to verify like driver 's license number n d.o.b., address when applied, ph number used at the time. I would like to know which school I went to and what kind of degree I received if any. What kind of terms for repayment was agreed because living on fixed income, I usually choose income based repayment plan as it only last 10 years n payment are forgiven if not paid in full by that time aside from normal deferment if my current situation is still not able to make payments due to income to low and living expenses too high. So not sure what ore why this is on my report, would like copies of application and all requested above ore have it taken off my credit report as it is causing more hardship and I'm already barely living in my car as it is on its last leg.
Product: Debt collection

I am filing a second complaint against Comenity bank. I have answered and requested multiple times that they discontinue contacting me. In addition to this, I established a time to pay my outstanding payment from last month. This date has not come to pass, and I am still being harassed multiple times daily. Today is Sunday XXXXXX/XX/2021, at XXXX, I have been called five times today by them. Twice by their corporate number and three times by an unknown and blocked number that is them as well. This is harassment, and illegal. It has begun to affect my daily life by disrupting me during work hours in important meetings. This is unacceptable, because this is my livelihood that is being jeopardized over a late payment. This is not a debt I have owed for a long time, it is only a one month missed payment due to the pandemic of COVID-19. I answered the last call today and for the fifth time on their recorded line I told them I have a payment plan set up and to not contact me. This seems to have no effect on them, as they continue to disrupt my daily life.