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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, D.C. XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX, XXXX Washington, D.CXXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Complaint of Unauthorized Access to Credit Report and Identity Theft Dear Sir/Madam, I am writing to formally lodge a complaint against TransUnion regarding unauthorized access to my credit report, which I believe constitutes a clear case of identity theft. 

Recently, I discovered that TransUnion accessed my credit report without my written consent for employment purposes. This unauthorized action is not only a violation of my rights but also a severe breach of trust, as I never granted permission for my information to be accessed or used in this manner. 

Furthermore, I have noticed that positive accounts, which are in good standing and show no late payments, have suddenly been deleted from my credit report. I have attached copies of TransUnion 's credit reports obtained from XXXX XXXX and XXXX, which clearly show these accounts before their deletion. This abrupt removal of positive credit history is alarming and unjustifiable. 

I urge the CFPB and FTC to investigate this matter thoroughly. I demand that TransUnion provide a complete explanation for their actions, restore my deleted accounts, and ensure that my credit information is accurately reflected. 

Please find attached the necessary documentation supporting my claims. I appreciate your prompt attention to this serious matter, and I look forward to your response. 

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

I have initiated several disputes with the major credit bureaus to resolve a glaring inaccurate account that is dragging my credit score down. XXXX XXXX XXXX XXXX is reporting 1. 180 day late status since 2014, 2. reporting me 120 days late every month since 2014 3. Shows my monthly payment as what the balance is and 4. Shows my terms a " 1 month ''.

Attached is my credit report pulled by the mortgage company, at the bottom of page 8 of 21 is where you will find the XXXX XXXX XXXX XXXX.

It seems that the credit bureaus will not investigate or fix an account because they are receiving monthly premiums for reporting regardless of what impact it has on the consumer 's financial health.

I'm hoping this will help me fix this issue
Product: Credit reporting or other personal consumer reports

Did not give consent to publish information on my personal credit report.

Company never sent proper verification ( proof the debt belongs to me ) when requested.

Company did not meet deadline of a XXXX  day investigation so information is to be removed legally according to my consumer rights.
Product: Credit card or prepaid card

I applied for a credit card with Synchrony using an authorization code. The Authorization code was received in the mail addressed to me. I was approved using this code and once I received the first statement, the promotional APR period was different than what was advertised using the promotional code. The promotional code was for 0 % APR through XX/XX/XXXX and my statement lists the promotional code through XX/XX/XXXX.
Product: Checking or savings account

I purchased an item from this girl named XXXX XXXX XXXX maiden name XXXX XXXX XXXX on XX/XX/2021 for a total of {$210.00} on a XXXX group. She said she would send out the item soon and gave me this tracking number XXXX XXXX XXXX XXXX XXXX After a few days of the tracking not updating, I messaged her and she said she'll drop it off soon. After more days passed, I contacted XXXX and they said she never dropped off her package. I messaged her again asking for a receipt that she dropped it off and she said she'll get back to me and then stopped replying to me and ignored my messages. 

Because I paid with XXXX Friends and Family through a checking account, both XXXX and my bank Wells Fargo won't refund me the money. Wells Fargo said to get in contact with her for the item but she's not responding to my messages and still hasn't sent the item.
Product: Credit card

On XX/XX/XXXX, I received my ordered credit card ending XXXX. Though I have been with Bank of America for 20 years they said I had to verify my identity in a banking office. I explained that I was traveling for work and if I could verify myself in an affiliate office, to which the agent said they were not sure. He directed me to some offices in XXXX and they said they could not verify me. I said I will make a stop in XXXX  on XX/XX/XXXX and they said that would be fine. In the meantime, a week before my flight, I received a letter saying the account was closed. I called the bank and they said they had closed it for fraud speaking with the fraud department I verified I indeed applied for the card and have it in my possession and already purchased the airline ticket to come to the XXXX, which they said as long as I went to the bank to verify myself I had 60 days and they will open the account again. This has not happened and several agents and managers have given me false information. I demand to be compensated for the flight, car rental, and hotel costs because I would have not gone to LA in the first place to verify myself if I'd been told the correct information. It also has caused mental and emotional stress from being told different things. I have recently spoken to XXXX who told me the fraud would be lifted and the card reactivated but XXXX XXXX in underwriting says they won't be able to do so until the fraud department lifts the flag, so yet another manager has lied to me.
Product: Checking or savings account

On XX/XX/24 I discovered that someone had used a debit card in my wifes name to make approximately {$2300.00} in purchases at 2 different XXXX in towns XXXX miles from my home. The card used had been issued to my wife 2 days prior but was never received by us. Chase was immediately notified and our accounts were frozen. {$1300.00} was also withdrawn from our account using a check, which was refunded. A claim was filed with Chase, XXXX. Chase is refusing to refund the purchases at the XXXX because they stated they can not prove the charges fraudulent, despite being notified by me and my wife immediately
Product: Money transfer, virtual currency, or money service

PAYPAL IS HOLDING MY MONEY AND WILL NOT LET IT GO. I NEED THESE FUNDS IMMEDIATELY FOR BUSINESS USE. 
IVE CONTACTED THEM SEVERAL TIMES AND THEY WILL NOT HELP AND GIVE ME A COMPLETELY DIFFERENT ANSWER THAN WHAT IM NEEDING HELP WITH CAN NOT REACH THEM BY PHONE TO RESOLVE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXXXXXX
Product: Debt collection

JH PORTFOLIO DEBT EQ, XXXX XXXX XXXX XXXX XXXX XXXX, MO-XXXX ( XXXX ) XXXX Is reporting an account that has not been validated. I 've sent a few letters and can not get them cooperate with me. I have even offered to pay a lower amount for the sake of saving time and to ease the troubles of all parties involved. Since this company is unwilling to cooperate and can not prove that I legally owe this alleged debt to their collection company, I am requesting formal relief and that they quit reporting erroneous information to credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I had moved to XXXX and lived there since XX/XX/2015 But I had noticed That someone had opened multiple credit cards and not paid. These accounts all are not mine.
Product: Vehicle loan or lease

Capital one auto finance loan has been paid and still on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS DEBT COLLECTOR GOT MY INFO WITHOUT MY CONSENT AND OPENED A ACCOUNT IN MY NAME. FURTHER, I CERTIFY THAT I AM PERMITTED BY FEDERAL AND STATE LAW TO FILE THIS DISPUTE. I ALSO UNDERSTAND THAT KNOWING AND WILLFUL MISSTATEMENTS OR OMISSIONS OF MATERIAL FACTS CONSTITUTES A FEDERAL CRIMINAL VIOLATION PUNISHABLE UNDER XXXX8 U.S.C. 1001. ADDITIONALLY, THESE MISSTATEMENTS ARE PUNISHABLE AS PERJURY UNDER 18 U.S.C. 1621. THIS ACCOUNT FOUND WITHIN MY CREDIT REPORT ARE NOT RELATED TO ANY TRANSACTION THAT I MADE I AM A LITIGATING THAT A PERSON OR COMPANY - WITHOUT MY AUTHORIZATION - USED MY PERSONAL IDENTIFYING INFORMATION TO APPLY FOR GOODS, SERVICES, OR MONEY, AND, WAS SUCCESSFUL IN CREATING SOME ACCOUNTS. ALL IS BEING INVESTIGATED BY THE FTC FURTHERMORE In Accordance with The Fair Credit Reporting Act credit acceptance has violated my rights. 15 USC 1681 Section 602 States I have the rights to privacy. ( they say we cant opt out ) 15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. ( which they claim they dont need ) 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

The company Credit Acceptance is currently investigating a car loan that was taken out using my personal information which I have been trying to have removed from my credit report I am filing this complaint to ensure this is taken seriously and this account is thoroughly investigated.I filed a complaint and also called and spoke to a representative by the name of XXXX she advised me to mail back an identity theft affidavit, my ID, and a sheet of paper with my signature written 5 times. I sent the mail to credit acceptance with the requested information as well as a letter requesting that they provide me with proof of my original wet signatures and additional information, original documents signed on the day this alleged account was opened so I could provide as much assistance as possible in investigating how this account was opened I never received any response but my credit report said the dispute was resolved. I contacted the credit bureaus to affirm the account does not belong to me and they said unfortunately they rely on credit Acceptance to complete an investigation and they recommended that I contact the Consumer Financial Protection Bureau.

This whole account was done in a fraudulent way upon review of retail install contract attached to my previous complaint seems the dealership placed in fact that { {$7000.00} } was put down when In fact { {$8000.00} } was put down any money more issue including outrages APR rates I call SCAM. This issues with credit acceptance has been ongoing I would like this tradeline removed immediately.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit card or prepaid card

I received a notification through one of my credit cards that an inquiry on my credit had been opened with Bank of America. Upon further investigation and speaking with experian and a BoA representative, there is currently a pending application under my information. BoA has cancelled the application.
Product: Credit reporting or other personal consumer reports

Comenity Bank / Romans Amount {$360.00} A call was made to them on XXXX requesting information to confirm the accuracy of this alledge account. The Company has yet to send over documents along with a signature that belongs to me.
Product: Debt collection

I received a letter from Carter-Young, a debt collector, around XXXX claiming that I owe approximately {$650.00}. After speaking with them they claim that I co-signed a document for XXXX XXXX XXXX in Florida. I asked for a copy of the contract and they sent me an electronically signed document that I did not sign. I asked them for proof that I electronically signed this document of which they would not provide any. This is because I did not sign this lease document at all. Now they have reported this to XXXX. I went through the XXXX process denying that this is my debt and XXXX basically rubber stamped in favor of the debt collector without calling me or providing any evidence of a true investigation. I have resubmitted a claim with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CO XXXX
Product: Mortgage

I was awarded my home in the divorce decree. I have been attempting to fulfill the agreement to assume the VA loan since last XX/XX/XXXX. I started with XXXX  Correspondence is only via email and there is no secure portal for sensitive private information ( SPI ). I snail mailed the requested information ( organized and tabbed ). After it was received, I was assigned XXXX XXXX, who I later found out was in Purchase Department ( PD ) not the Assumptions Department ( AD ). He is very communicative and limited by this company. At least, PD had a phone number, person and secured portal with which I was able to easily upload documents We went back and forth with underwriting, constantly adding more forms- which I completed. It is clear underwriting does not know what is needed. I had to RE-send much of the information as the first department doesn't speak with the second department, or share information. After months of this, we finally get to a point that we are scheduled for settlement, and I have the Closing Disclosure for XX/XX/XXXX. Suddenly, my application was transferred back to the Assumptions Department, under the caveat that it will save me money because an assumption will cost me less. It is, in fact, an assumption. I am moved to XXXX XXXX in the AD. He claims to have none of the paperwork because - again, they don't share information. He tries to have me email my SPI because he claims his gmail is secure. I pay to snail mail EVERYTHING to him, again, and then he tells me he received it and it will take up to XXXX  days for the underwriter to review. I asked if it could be expedited given that I have been bounced around. Without notice, I am transferred back to XXXX XXXX as a Purchase and now XXXX wants me to resend everything. I called the VA and found out the required information for a VA loan assumption, and verified I have sent this information to NewRez already - several timesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My credit score is over XXXX - but NewRez keeps hitting it. I just received notice that my creditscore has dropped to a XXXX because every time they switch me, they hit my credit! I have been making this mortgage payment on time for the last XXXX  months, by myself. Newrez has not advised me that the Escrow Balance is currently {$3400.00}, and that money will be mailed to my ex-husband who has not paid the mortgage since XX/XX/XXXX. This was delayed due to NewRez and now IF this assumption is put in as a " purchase '' ( which is should not ) my closing costs will have increased from $ XXXX in XXXX to XXXX XXXXXXXX in XXXX. I would really appreciate some guidance, as I am so frustrated with the negligence of this company.
Product: Money transfer, virtual currency, or money service

PayPal ... ..Have been using PP for on-line purchases. The first mistake I made was making a purchase from an XXXX  seller in XXXX. Granted, it was only {$36.00}, but I paid for an item I never received. I filed a complaint about not receiving the item with PP after filing a complaint with the seller. Because the seller was able to provide a tracking number, PayPal refused to refund my monies for this very reason. Where is the proof that I received the item?
Product: Mortgage

Im a single mother of XXXX children & purchased my home in XXXX. I had never been late on a mortgage until last year when my car broke down and needed a new transmission. I was two months behind when a loan modification was pitched to me by a Wells Fargo home preservation specialist. 
I qualified for the modification after an extensive review in XXXX, XXXX. In XX/XX/XXXX, Wells Fargo reversed the decision and the two payments I made during my trial period were sent to escrow. I have in writing from WF that the decision was based on an error by a home preservation representative. ( I pleaded for them to listen to the phone calls ). I was advised by the attorney representing WF to reapply for modification and was told that was my only chance at saving my home so I complied and started the  process all over again. An email on XX/XX/XXXX stated a decision had been made. I couldnt not reach a home preservation rep once I got that email. Finally in XXXX, an executive mortgage specialist was able to contact with my home preservation specialist via three way call with me. He stated he moved my account into forbearance which I was unaware of. I did not consent nor request. That action suspended my modification review and a sales date was  set for XX/XX/XXXX. ( Forbearance period over XX/XX/XXXX ). I would have been blind-sighted by the sale. 
I was then denied for a modification in XXXX after providing everything WF requested. My children & I endured total strangers coming to my home inquiring about the sheriffs sale and my name was listed in the newspaper about the foreclosure-during a global pandemic. 
The sales date was moved to XX/XX/XXXX and most recently XXXX obtained photos of my home and the listing was updated with photos. ( Wells Fargo denies any involvement or responsibility for the pictures or listing on XXXX ). 
I have the money to now pay WF in full however I do not trust their actions and fear for the $ XXXX that was saved and also pulled from my 401k. ( During a pandemic ). My employer issued a no interest loan to cover what Im short in paying WF in full which contains countless attorney fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two hard credit inquiries in the space of eight days are present on my credit report. Minimally the first is not authorized and has no signature or otherwise.
Product: Vehicle loan or lease

I was a customer of US Auto Sales. When they went out of business they illegally " transferred '' or " sold '' our loan to Westlake financial. Unlike most people involved I have my original contract. In this contract it clearly says that our contracts can not be given away, transferred or sold. It goes on to say that no oral changes can be made to this contract, all changes must be in writing and agreed upon by all parties. US Auto had breached the contract prior to Westlake taking over by not paying for the extended warranty I had been paying for. Westlake continued to not honor any of our original contract but are currently stealing our cars, my car was stolen by them on XX/XX/XXXX after they ignored all attempts by me to get a debt validation, a copy of my contact or proof that a court had approved them taking over my contract without having to have my approval in writing. They are currently in the process of selling stolen property. They are also breaking FTC law by harassing me through robo calls calling 1-3 times a day to a cellphone I did not give them permission to call. I have around 100 calls logged as well as voicemails of the harassment. In GA they are required to give a 10 a ten day notice prior to a repossession. They failed to do so. The company they had steal my car still has my personal property and struck another vehicle while stealing my car.