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

I have sent in several FTC identity theft request through the cfpb to Transunion and they sent documentation claiming they deleted items from my credit report but never actually deleted them. No update to my credit report has been made. The company is lying about deleting items off my credit and reinsert without permission or legal consent. They also put a block on my credit file without my consent in retaliation to me filing ftc identity theft reports and multiple Cfpb complaints that they completely ignore and use shady business practices to not remove these items. Transunion is intentionally leaving fraudulent items and reinserting on my credit report even after its been confirmed as fraud. These items need to be deleted and reflected on my credit report not just false pdf documents alleging deletion when in fact they were not. Please stop locking my credit file without my consent. They have even previously added a pin lock on my credit file created by a retaliatory employee of Transunion who was upset at me. Please correct this immediately and ensure it NEVER happens again
Product: Debt collection

On XXXX I disputed a {$1200.00} collection account that I requested to be validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with all three bureaus Equifax, XXXX, and XXXX. I have a Bankruptcy that was discharged XX/XX/XXXX almost 9 years ago. I've been steller since this discharged. My XXXX  dispute concluded and deleted Docket # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX, WI XXXX, ( XXXX ) XXXX. 

However, it only took XXXX  2 days and stated my case won't be removed. I submitted XXXX  decision regarding the deletion of this file. XXXX   should have followed suit because the same information was given to all 3 bureaus. XXXX  stated it would be removed on XX/XX/XXXX. 

As a consumer, my credit report should be legally reporting the same information. This Docket should be removed from all 3 bureaus. Please help
Product: Checking or savings account

On X/X/2017 I opened an XXXX checking through their website using the link provided on their site displaying a promotion for opening a new account. The promotion was for a {$300.00} bonus after opening a new account with an opening deposit of {$300.00} and two direct deposits of {$100.00} in 60 days. This promotion is STILL being offered on their site ( with different terms ). I met all requirements and they refuse to give me my bonus. I 've contacted them several times. The first time they responded saying the bonus was on my account and I would get after meeting requirements. The second time they said I applied after the expiration date??? which is NOT true. Now, after a third time they tell me the reason i 'm not getting it is because I needed to have a direct mailer which is also NOT true. I had a friend do this without a mailer and they got the bonus. The offer does not state you have to have a mailer. It says bring a mailer in OR apply online using code XXXX, which is what I did. Everytime I get a different excuse! The offer was on my account, their agent said so! I 'm in middle TN so I 'm in the target area too. Stop giving me the run around, please.
Product: Credit reporting or other personal consumer reports

I checked my credit report this evening and was flabbergasted by what came up. Inaccurate accounts are showing up! I don't know why so please check the documents that I've sent in regards to these.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : XXXX XXXX {$680.00} - - -No Data XXXX XXXX {$680.00} - - -No Data XXXX XXXX {$680.00} - - -No Data XXXX XXXX XXXX XXXX {$700.00} - - -No Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A. States I have a right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 7 years.

15 USC 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: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked for an update to credit report with all   XXXX   credit bureaus in regards to  XXXX  reporting on my credit report. It is now  XXXX  2017 and the account is not reporting as " Included in bankruptcy '' This is an ongoing issue. I do not understand why I have   XXXX     XXXX    accounts reporting on my credit report anyhow. They are all the same account, I only had  XXXX  loan with them but because I refinanced with them for the same account they listed another account. The account was sent to collections after my bankruptcy was filed, However, the collections account removed item from my credit report, stating they did not have knowledge of my bankruptcy before the account was sent, their resolution was to remove it.   XXXX   sent my account to collections after I filed for bankruptcy, knowingly aware of the status yet they violated my rights nonetheless. This is very frustrating and regardless of the attempts with the credit bureaus and CFPB also investigating, I am not getting any results. I have several investigations into this matter filed and saved and will have to pursue a different avenue if the issue is not fixed.   XXXX   is in violation of the bankruptcy laws and no one seems to care. They reported my account late with a balance up until the past 2 months as " OPEN ''?????
Product: Credit reporting, credit repair services, or other personal consumer reports

CBNA ( Citibank ) provided me with a letter through my mail and said that the account is not fraudulent. I had filed a police report about this account and they did not provide me with anything that this account is proven to be mine, they have nothing bearing my signature or anything to prove that this account is mine. This was really hurting my credit and I have been disputing it and you have yet to provide me with any proof! I am trying to buy a home so I had no other option than to pay the account so I could get my credit scores up. This account was never mine and it was ridiculous that I paid it in the first place. I am asking that you provide something bearing my signature about this debt or remove this account from my credit file all together. I am very disappointed with how this situation was handled and if this is not corrected I will be contacting the Attorney General for you not taking this fraudulent activity seriously.
Product: Debt collection

XXXX XXXX is suing me for {$1200.00} in a civil suit. I have already registered a complaint against the nefarious activities of XXXX XXXX. As noted there, this lawsuit has caused mental, emotional, and physical harm. And this lawsuit has stolen a job opportunity from me to become a XXXX XXXX for XXXX  and XXXX XXXX. 

As an XXXX XXXX XXXX XXXX XXXX I know firsthand what sort of financial peril lies in waiting for this population ( e.g., civil suits such as this one ). And to rob me of this opportunity robs the teacher and nonprofit community of an excellent advisor who would serve their highest interest. 

Here, I would like to file a complaint against the attorneys representing XXXX XXXX in this case : Pressler Felt & Warshaw. 

In XXXX, they signed a consent form prohibiting them from automatically filing lawsuits without documentation- with only affidavits as precedence. 

They filed this civil complaint against me through automation and initially filed it with no documents attached. 

Additionally, this debt is registered to a mailing address in XXXX which I still use. I never stopped receiving mail at the address in PA. I live in New Jersey, and that is where I'm being sued. The debt is time-barred in PA. And neither XXXX XXXX nor their lawyers sent me correspondence about this debt or delivered the complaint to a valid address ( though the address in PA was listed by the original creditor as my mailing address ). 

In this case, Pressler Felt and Warshaw are in violation of their XXXX  consent form. And they committed violations of Section 808 of the FDCPA, 15 U.S.C. 1692f, FDCPA violations asserted in Paragraph 30 constitute violations of Section 1036 ( a ) ( 1 ) ( A ) of the CFPA. 12 U.S.C. 5536 ( a ) ( 1 ) ( A ), and FDCPA violations asserted in Paragraph 30 constitute violations of Section 1036 ( a ) ( 1 ) ( A ) of the CFPA. 12 U.S.C. 5536 ( a ) ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

All the credit reporting agencies except Experian have my credit as excellent. Experian says fair and XXXX. Why?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I recently received a copy of my XXXX  and XXXX  credit reports and I notice there is an unauthorized and unrecognized credit inquiry made by XXXX  and XXXX creditors. As far as i knew I do not recall authorizing this credit inquiry and I understand they shouldn't be allowed to put an inquiry on my file unless I have authorized it.

If they find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.

If they find that I am in error, then send me proof of this. I think i got victom of their inquiries issues.

Here 's the list of the inquires : 1- ( XXXX  report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX2- ( XXXX report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX 3- ( XXXX  report ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 4- ( XXXX  report ) XXXX Inquired on XX/XX/XXXX 5- ( XXXX report ) XXXX XXXX Inquired onXX/XX/XXXX 6- ( XXXX report ) XXXX XXXX XXXX Inquired onXX/XX/XXXX 7- ( XXXX  report ) XXXX XXXX XXXX  Inquired onXX/XX/XXXX 8- ( XXXX   report ) XXXX XXXX Inquired on XX/XX/XXXX 9- ( XXXX report ) XXXX XXXX Inquired on XX/XX/XXXX 10- ( XXXX report ) XXXX XXXX Inquired onXX/XX/XXXX11- ( XXXX   report ) XXXX  Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account name : XXXX XXXX XXXX 
Account # XXXX Account name : U S Dept of EDXXXX Account XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : U S Dept of EDXXXX Account XXXX XXXX Account name XXXX XXXX XXXX XXXX  Account # XXXX Has violated my rights. 

15 U.S.C 1681 Section 604 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX has not reported my loan balances since XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a flight on XXXX XXXX through American Express Travel using my American Express Credit Card. The Flight was scheduled for today, XXXX, XXXX XXXX. I paid in two separated charges, one for {$560.00} and another for {$6.00}, both on the date of XX/XX/XXXX. One to American Express Travel, and the other to AMEXTRAVEL.COM As the COVID-19 pandemic has reached new heights in the past week ( beginning XXXX ), I decided to cancel that flight. American Express represented on their website that they would abide by each airline 's policy when dealing with cancellations or flight changes. XXXX itself required all flight changes for flights booked through third-party to be dealt with through that third party, as per a statement revealed when trying to alter such flights. 

Because of the requirements set forth by XXXX, I attempted to contact American Express a total of six times between XX/XX/XXXX and XX/XX/XXXX. Five of these attempted contacts were made through their Amextravel.com phone number, and once through the chat function in the American Express App for XXXX. 

For each of the phone contacts, I was routed through a series of automated, voice-responsive menus, and then placed on hold. Each time, my call was either disconnected after several minutes, or I remained on hold indefinitely. Never was I actually able to speak to a representative or get to the substance of my issue. The longest of these calls lasted for 3 hours and 17 minutes, at which point I was forced to hang up, as I was called away by the human need to eat more than one meal in a day. At several points on their website, American Express represented that the wait time to talk to a representative was around 2 hours. 

The one attempt I made at contacting American Express through their app occurred on XX/XX/XXXX, and was fruitless, as the representative on the other end informed me that the only way to resolve this issue was via the aforementioned phone number. 

Today, XX/XX/XXXX, after days of attempting to get in contact to cancel or change my flight, I called the general American Express cardmember support line twice. Both times I was able to talk to a representative for approximately five minutes, where they took down information about the flight and amount charged, though the first claimed he was unable to find any information on it. After allegedly taking down this information, I was once again placed on hold, which after the second time I determined to be the same Amextravel.com hold line based on the voice commands and background music loop, which I have become quite familiar with. After several minutes each time, I hung up, and after the second time I came to file this report. 

Based on a brief research session through social media I have found dozens of posts by individuals experiencing this same problem, some having waited on the phone far longer than even I had, and none of which seemed to have had any resolution from American Express
Product: Debt collection

Credence keeps calling my personal phone number every day with a different phone number demanding I give them money for my medical debt. Ive asked numerous times for them to stop calling my number, but I guess they dont understand English like I dont understand their XXXX  XXXX accents. Credence from all points appears to be a complete and total scam.
Product: Money transfer, virtual currency, or money service

I opened a chime account in early XXXX and the same day they closed my account with my whole paycheck inside. I have been trying to get my money back for almost two months now with no success. I sent over 10 emails from different dates, after the first email all of the rest were ignored and no one has reached out to help me even with all of the automated responses claiming I'd receive help soon.
Product: Debt collection

I was notified by National Credit Systems ( NCR ) of a debt I fraudulently owed to the XXXX XXXX apartments in XXXX, TX in XX/XX/2021. I submitted a fraud claim within the month only to have the same debt notification sent again in XX/XX/2021. In addition, the same fraudulent individual used my information again at the XXXX XXXX Apartments. Both apartment complexes are within 10 miles of each other in XXXX. I have never lived in XXXX and have no idea how my information was compromised. I am shocked and disappointed that letters to NCS and the XXXX XXXX apartments have not stopped XXXX XXXX XXXX from fraudulently using my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke with XX/XX/XXXX, Equifax & XXXX to open A dispute on an account that has A host of inaccuracies reported to the my credit report from XXXX XXXX. I was sent A updated dispute saying the information was verfied. Under the FCRA they are required to look into my dispute in great detail and if that was done they would have seen the inaccuracies. I have attached A copy of the the way this company has reported absolutely no late payments to XXXX and XXXX and then A sudden charge off in XX/XX/XXXX of XX/XX/XXXX to both reporting agencies. It also states on my transunuon report the last activity was on XX/XX/XXXX, However I have attached the screenshot of the report that also show they reported the last activity on the account with EQUIFAX to be XX/XX/XXXX which is 3 months PRIOR to reporting this to XX/XX/XXXX. This shows the inaccuracies reported across the three consumer reporting agencies. XX/XX/XXXX has absolutely No late payments reported also. The last payment date should be the same across the board, The date of charge off should be the same across the voard and it is not!! This shows the company has been reporting inaccurate information. Also I sent A letter requesting an early exclusion since this is an account from XXXX. The last payment date was in XXXX however they have reported DIFFERENT dates to all three reporting agencies. The last dispute should have required the company to VERIFY the last payment date. I am requesting A payment history report from the three consumer agencies. I am requesting this account be completely removed as they have reported inaccuracies and it is NOT my account to begin with. Should you decide to keep this inaccurate information reporting I am REQUESTING PROOF OF ALL FINDINGS THAT WOULD VERIFY THE INACCURACIES!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In the beginning of XXXX, I reached out to equifax via telephone about accounts thats are reporting on my credit that i wanted taken off. I explained to Equifax that the accounts in my consumer reports i did not give any written or verbal consent to be displayed. I explained to them that it was against my right to privacy to display these items without getting permission from me the consumer first. The company sent me a list of all the accounts being displayed on my consumer report but still refused to take them off after i explained this is hurting my reputation and preventing me from using my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently acquired my credit, upon my review there are two bankruptcies listed that I have submitted numerous request to have the information listed on my credit reported to be verified and the proof be provided to me. Upon this date the credit reporting agency has failed not only to remove the inaccurate information but has also violated several laws. 

In accordance with 15 usc 1681 ( a ) ( 4 ) XXXX XXXX who provided the bankruptcy information infringed on my right to privacy. I also have a statement from the company confirming that the information that was provided was inaccurate and was removed from their data base. As a consumer I have a right to privacy. 

XXXX XXXX did not have a permissible purpose to obtain the information and place it on my credit report nor did I provide any written consent for it to take place this is a direct violation of 15 usc 1681b ( a ) ( 2 ). 

XXXX XXXX failed to list who they interviewed to obtain this information, this would be also a violation of 15 usc 1681a ( e ) With XXXX XXXX being in direct violation of these laws set forth by the government the credit reporting agency is liable as well due to them furnishing the inaccurate information for my credit report. Because of these inaccuracies I have been prohibited from being deemed credit worthy. 

I have enclosed documentation that will prove the inaccuracies and the violations the credit reporting agency has committed against me. 
Dates of disputes submitted on the matter XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

Loan kept going up up See pick a pay loans Paid 14 years on mortgage paid loan off but did not get anything I return no property zero
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 requests to have inaccurate dismissed bankruptcies removed from my Experian report, along with a letter from the US Clerk of Courts verifying that they did not provide this information to Experian. I sent a letter dated XX/XX/XXXXand XX/XX/XXXX with an unverified response, another letter on XX/XX/XXXX and I have not received any response to this letter and it has been more than 30 days. Experian has not provided any proof verification of the validity of these dismissed bankruptcies. 
As mandated by Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, Subchapter III, Section 1681c, Paragraph a.1 Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. The Law is clear Dismissed Case is not included within the parameters of the above mandated reporting guideline, furthermore ; the referenced Chapter XXXX Bankruptcy did not have Entry of the Order for Relief nor ever been Adjudicated. In fact, it was Dismissed Prior to Adjudication. See attached Court Report Case XXXX dated XX/XX/XXXX. See Attachment 02. Under Federal and State Law, FCRA Title 15 U.S. Code 1681i, Paragraph 5.A, immediately upon receipt of this notification you are obligated and directed to remove the referenced Chapter XXXX Bankruptcy on my credit report. It is not in your jurisdiction, responsibility, right or business to report this crucial and extremely damaging personal information. Also per the Law you are obligated to furnish me updated copy of my corrected credit report per Title 15 U.S. Code 1681i, Paragraph 5.A.ii of FCRA. All required information and supporting documents are included on this letter package, therefore ; an investigation is deemed absolutely unnecessary.
Product: Debt collection

On XXXX/XXXX/17 I discovered Enhanced Recovery Corp had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.