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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico 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 XXXX 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 XXXX 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 XXXXdays 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card or prepaid card

I have applied several times for a Chase Bank United Airline Credit card and have been denied. Chase claims the denial is based on my having received too many credit cards in the past two years. However, Chase has issued two credit cards to my husband during the same period. I have had three credit cards issued in the past two years and my husband has had four credit cards issued during this same period of time, so the issue of too many credit cards being issued in the past two years does not appear to be a reason evenly applied to all applicants. My Credit Score if around 760, with no other disqualifying information. This appears to be a case of gender discrimination.
Product: Credit reporting or other personal consumer reports

I submitted a request for investigation for the account ( s ) listed below, providing sufficient information for a thorough investigation. However, the investigation was not conducted properly, and the accounts should have been removed. 
Relying solely on the flawed e-Oscar system has been shown to result in inaccurate and unfair information. I urge you to conduct a thorough and precise re-evaluation of the following accounts. 
Account Name : XXXX Account Number : XXXX Just like in previous cases such as XXXX XXXX TransUnion XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX et al, the courts have consistently ruled that credit reporting agencies must conduct their own independent and reasonable investigation to verify the validity of debts and the credibility of creditors and collection agencies. Simply parroting information without conducting a thorough investigation is not acceptable, as seen in the cases mentioned. Sending a generic form letter through the e-Oscar system without including the reasons for the dispute is not considered reasonable by any standard. 
If my dispute is not investigated, I will take legal action under the Fair Credit Reporting Act to protect my credit rating and rights, as each violation allows damages of {$1000.00} in court. 
Kindly comply. 
Regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B necessitates the elimination of any erroneous accounts from my credit report, I believe. Could you please verify the documents? Some of the accounts listed display inaccuracies regarding reporting, incorrect amounts, and reported dates.
Product: Debt collection

This was discharged in a previous bankruptcy and they have not sent any further notice and showed up on my credit report as paid late, no billing no notification
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my three credit reports and found erroneous information on all three. Inaccurate information is being used to negatively affect me in the course of seeking funding for my small business. In XX/XX/XXXX and XXXX of XXXX i sought business line of credit from various entities and was denied. Upon receiving the reasons for denial personal credit was sighted as the significant cause. Upon reviewing my credit i realized that dated information from over 10years ago was reflected on my report, the sum of which was being used to evaluate my credit worthiness. My personal information included data from others i shared similar background information with, making it harder for me to be evaluated singularly on my merits. 
I seek assistance in having this information corrected and have contacted all three agencies to remove the outdated, erroneous and negative data from my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

-Exeter XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -Santander Consumer XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX Auto Sales, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX -OneMain, XX/XX/XXXX -Capital XXXX, XX/XX/XXXX -Vervent/TBOM, XX/XX/XXXX -Discover Financial Servi, XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Today I've tried to send money twice to my friend XXXX ( {$2000.00} ) ; then attempted to send same said amount to XXXX XXXX  XXXX. All of these attempts were Automatically cancelled by " XXXX '' for no reason given. This isn't the first time they've done this and it seems to only happen with amounts over XXXX. For example two weeks ago I sent XXXX XXXX using the exact same information ( my account ; and his account info ) no problem. I'm not positive but it " feels '' as though they are being discriminatory because my friend is XXXX in XXXX. I don't know but they shouldn't advertise money transfer services then do this to the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX ; Credit Bureaus ... ..I 've disputed this account before with both the creditor and credit agencies ( XXXX, XXXX, and Equifax ) and it's impossible that this charge off account was ever investigated because the account status was never updated and there are 3 different dates of last active, dates of last payments, inconsistent payment history, 3 different dates of open, and inconsistent high balance and 3 different account numbers and name, etc. Please DELETE this account for Inaccuracy because there are different dates of last activities : ( Date Last Active : XXXX:XX/XX/XXXX ; XXXX : XX/XX/XXXX & Equifax : XX/XX/XXXX XXXX. You cant report different dates and years of activities like this! Its imperative that this be accurate because it determines when the account naturally falls off. And its also re-aging the account prior to me disputing it. This is a violation. Please DELETE immediately from my credit report. 

Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my cre
dit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Debt collection

In XXXX, XXXX, I first received a phone call and then a letter from Southwest Recovery Services, a debt collector, concerning an unpaid amount for XXXX in XXXX at XXXX. During the phone call, I requested an itemized statement of the charges. The caller, XXXX, said that he would email it to me in 2 - 3 days. However, by XXXX, I had not yet received the statement. I called Southwest Recovery Services, and XXXX XXXX, the Collection Manager, told me that an itemized statement had been requested five different times from XXXX but was not received. He also said that he would immediately contact XXXX XXXX XXXX for the statement and would close the account if there was no response by XXXX. A few weeks later, XXXX called to collect the debt and did not know about my conversation with XXXX XXXX. He said that he would check the status and let me know, but he did not followup. On XXXX, I called Southwest Recovery Services, and this time XXXX XXXX transferred me to XXXX XXXX for a copy of the itemized statement. She could not immediately locate it, but assured me that she would call me the following morning with the status. She never called. Yesterday afternoon, XXXX, I called XXXX and left a voicemail to request the statement and to also call me. I have not received a call from her. 
I have credit card receipts for the required {$25.00} co-pay for each of my XXXX. I also have insurance XXXX for the corresponding XXXX which show that XXXX XXXX XXXX was paid the remaining balance for each session by the insurance company. Additionally, all my XXXX were in XXXX not XXXX.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX along with and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and a list of residents, businesses mobile apps and websires have been using my name data identification snd otger personal identification illegally. Money and other assets by the government of the united states as well! This was done without my personal knowledge or permission and i would like to take legal action on anyone who id involved and i want all money returned immediatly!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter regarding inaccurate information on my credit report. To this day, over 60 days later, and I have not received a response. I feel as though I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days, gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX that has been caused. My information was also impacted in the XXXX Data Breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have disputed this Account # XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX account with the XXXX and received the attached response that this account is no longer to be reported yet it is still on my Experian credit report. I have also disputed this account with Experian directly but there is no response.
Product: Checking or savings account

XX/XX/XXXX Made a {$22000.00} deposit into savings account at Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The banker told me as this was XXXX XXXX that I would be getting a higher interest rate of 4 plus percent for 3 months. Which I did not receive. 
On XXXX XXXX I went into the branch and XXXX XXXX XXXX that I had only received the standard percentage rate. XXXX filed complaint ID XXXXXXXX  in my behalf. Several days went by and I received a call from XXXX complaint department Wells Fargo. I tried calling back but the extension XXXX left XXXX was an invalid extension. Extensions at Wells Fargo are only 5 digits. XXXX closed my complaint without resolution. On XX/XX/XXXX I spoke to XXXX XXXX XXXX  she issued a new complaint. I asked that the new complaint be given to someone other than XXXX as he does not provide a valid call back number. Again it was XXXX that called me on XXXX  and left the same invalid extension on voicemail. When you cant reach XXXX back he closes your complaint case without resolution.. why does Wells Fargo make all these roadblocks?? I finally after several attempts was able yo track down XXXXXXXX XXXX  said for me to wait for his callback on Monday and be sure to pick up the call I told him you cant expect people to wait by their phones all day. I asked him for a valid extension for him.. he said that that has been an issue for a long time with people unable to reach him. Finally when I asked for his boss XXXX said I could try extension XXXX what was this game XXXX was playing? I asked to speak with his manager he told me that his manager XXXX was not available. XXXX spelt XXXX for me. I called another associate XXXX and asked to speak with XXXX and my call was disconnected. I finally called again and got XXXX .. XXXX XXXX XXXX XXXX not available but would call me back! When XXXX called back I reported that XXXX was leaving complaint callers a bogus extension and I received no response from XXXX that that would be rectified. So to date Wells Fargo had not paid me the interest money they owe me and they are giving clients misleading contact information so that they can close complaints without resolution please help me with this situation.. I have already started yo pull money from my Wells Fargo accounts to put in another bank .. Wells Fargos tactics are deceptive to say the least.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, am writing in regards to complaints on wrong information on my consumer report. 
The following addresses are inaccurate and not my current or correct address : XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. The following inquiries are on my consumer report that were not applied for 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/2022 I filed a dispute with all three bureaus : Experian, XXXX XXXX and XXXX involving a Parent Plus Loan for {$1600.00} with XXXX for XXXX XXXX that was fraudulent. All bureaus responded back that the merchant validated the dispute by verifying my name and address solely, which is not a thorough investigation of any kind especially considering that with fraud that information is already knowledgeable to the person or body committing this offense. At no point did they cease the reporting of the erroneous information until a thorough investigation was completed mainly due to the fact that they failed to conduct a proper investigation. I provided all bureaus with tangible proof and information, and they still failed to investigate what was being reporting to them as well as refuse to remove the negative marking as well.
Product: Money transfer, virtual currency, or money service

I am locked out of my account and there is no way to access their XXXX. The phone numbers provided lead to a recording saying they no longer provide phone support, their Chat does not work, and all the links on their site to get support, lock my account, report suspicions activity, etc., lead to dead ends that do nothing. 
They are misleading users into believing they offer support. There is no way for me to access my account through no fault of my own, and my funds are with them being held or gone, I just have no way of knowing.
Product: Checking or savings account

I want to file a complaint against Navy Federal Credit Union regarding multiple over draft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with a recent CFPB findings against Navy Federal of similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Credit Reported Agency will not respond to letters disputing incorrect information under FCRA Sec 605, 609, 611, 623. 

No response was received after XXXX days after the letter was sent.
Product: Debt collection

I received a telephone message on XX/XX/XXXX at XXXX XXXX  and XX/XX/XXXX at XXXX XXXX  ( see attached voicemail transcripts by my phone carrier ). I returned the initial call at XXXX XXXX  and left a message for XXXX XXXX at XXXX. 

On the following day, XX/XX/XXXX, I called again and spoke with XXXX XXXX XXXX who identified herself as being from XXXX XXXX in North Carolina. XXXX XXXX XXXX stated that they have offices in many places. ) She stated that I had an outstanding balance with XXXX of {$7100.00} and she was prepared to offer me pandemic relief for half the amount {$3500.00} as a settlement of this debt. 

I explained that I did not owe this debt and had in fact settled this {$7100.00} XXXX debt via another agency, ARS National Services, in XXXX. She advised me to send documentation of payment to XXXX, which I forwarded on XXXX XXXX  on XX/XX/XXXX. ( I initially sent this to the wrong email address : XXXX. When I received a notice from my email carrier stating this was not deliverable, I forwarded the email to the correct address. ) I spoke with XXXX XXXX of XXXX XXXX at XXXX again today XX/XX/XXXX at XXXX XXXX  in response to her voicemail message at XXXX XXXX. ( She initially provided a different number XXXX. ) She stated that the documents from ARS did not state paid in full, and that the account to which XXXX alleges is in question is XXXX for {$7100.00}. This is the EXACT AMOUNT referenced under ARS account number XXXX. 

Firstly, I notified XXXX XXXX that I did not receive notification of this alleged issue in writing of and she replied, things are different these days. Further, I requested a validation letter substantiating this alleged debt. XXXX XXXX indicated that this this would have to come from another unspecified entity ( To to me, meant that they were not the party responsible for this and I believe that this is incorrect ). 
XXXX XXXX stated that she will mark the file as disputed and stated that I should take my documents to court. 

As I had only ONE XXXX XXXX, I believe that XXXX XXXX  is attempting to collect a debt that was resolved in XXXX by another agency, ARS National Services. ( In addition, I believe that the statute of limitations may also be a factor, since this matter is now over 8 years old. That being said, I am sure that this debt was already paid. ) I provided the following documentation to XXXX XXXX and am attaching them herewith : ( A ) Statement from ARS Natonal Services , Inc. which indicates the amount owed of {$7100.00}. ARS Natonal Services offered several payment options, to resolve this delinquent account. I chose payment plan number 3 for three separate payments of {$1600.00} to settle my account due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
( B ) Three bank statements which indicates three withdrawals drawn on my bank on the following dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All were automatic deductions from my account. 

In addition, I am attaching herewith copies of phone messages left for me on my voicemail and transcribed by my phone carrier, two of them threaten legal action.
Product: Credit card

I received a call from HSBC Bank XXXX on XX/XX/XXXX stating that they have papers to serve me for a credit card that was issued in my name. I asked for more information, and they said the card was issued to me in XXXX by XXXX XXXX and the account was closed in XXXX. The account was sold to XXXX in XXXX. Well now in XXXX, they are Sueing me for {$5000.00}. I responded that I definitely know that this was not me because I have never had a credit card with a limit over {$500.00} dollars. But apparently with late fees, the highest interest rate possible and other fees that they made up. They are now trying to sue me for {$5000.00} dollars. They are also saying that the statute of limitations holds no precedence against this case. I have never received anything in the US mail about this, so that I could have the opportunity to dispute this claim. But when they called, they knew all of my personal information including my home address. I feel like they are doing this because I know longer live in the state of California and that HSBC bank is an online bank located overseas.