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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX  # XXXX, has violated my rights 15. USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I am not liable for this debt with " XXXX XXXX XXXXXXXX XXXX  and do no have a contract with " XXXX XXXX XXXX, XXXX they do no provide me with the original application like I asked
Product: Credit reporting

I 've contacted experian on several different occasions to let them know that my credit was ran several times over the span of months by XXXX and that i did not authorize those and they have stated that i have to contact the company. i explained to every agent that i have spoken with that i have tried and tried to get the matter resolved with XXXX and have been unsuccessful in doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX My Son and I share the exact name and the exact address about 99 % of the time. TransUnion has failed to separate my credit file from mines. I have been declined and had to provide copies of my driver 's license to prove my identify. Some medical bills belonging to my son, a few years ago appeared on my credit file. I sent numerous disputes to TransUnion to remove the inaccurate information. I provided Copies of my Birth Certificate, numerous explanations that we are two different people with the same name and different DOB and SSN. Each time I dispute the information, they just send some stupid " Auto '' generated response that the information has been verified. This error is preventing me from acquiring credit, open bank accounts and obtaining business credit as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this without any influence and this is not a XXXX  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 XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Product: Debt collection

I contacted Trans union on several occasions disputing and requesting the description of the procedure used to determine the accuracy and completeness of the debt they claim I owe. I have also contacted the creditors in order to confirm the debt they claim I owe. Since these creditors can not verify these debts, Even tho I am the alleged debtor, Trans union couldnt have verified these items. The FCRA, FDCPA and FCDA require a signature on a original consumer contract for a debt to be valid. As per FTC opinion letter of attorney XXXX XXXX XXXX you should be aware that a print out of a bill or itemized document doesnt constitute verification. I would like to inquire how these accounts were verified without providing any proof during my signature. I formally request the method of verification or any document provided during my signature showing that I have or had a legally binding contractual obligation to pay the debt your company is reporting inaccurately. In accordance with the Fair Credit Reporting Act section 168 i, Your company is required to reinvestigate these items and delete them in the absent of any such documentation baring my signature. If you cant show proof that you have verified these debts and you continue to list these items on my credit report I am prepared to sue your company under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent multiple letters off to dispute inaccurate accounts on my report. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
ACCOUNTS : XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the FRCA, The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, They stated my accounts were verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate and according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX sent an invoice for {$680.00} USD to my PayPal account. PayPal says that this invoice is due upon receipt.

I never ordered anything from XXXX XXXX XXXX. I never requested a product or wanted a product.
Product: Money transfer, virtual currency, or money service

I discovered that my Cash App account had been hacked. Back in XXXX of XXXX  Under my cash app tag XXXX XXXX 
I noticed unauthorized transactions totaling {$4700.00} that I did not authorize or initiate. The transactions were made to XXXX XXXX and other individuals. 
I immediately took the following steps to secure my account : 1. Changed my password and enabled two-factor authentication ( 2FA ).

2. Logged out of all devices remotely through the Cash App settings.

3. Contacted Cash App support on [ insert date ] to report the unauthorized access and transactions. 
Despite my efforts, Cash App has not resolved the issue satisfactorily and close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of XXXX XXXX and the credit bureaus have refused to remove the fraudulent activity from my report. The XXXX has the same XXXX XXXX but different XXXX XXXX and XXXX XXXX. She has used my XXXX XXXX number to obtain credit and then never made a payment. Even though we have had her XXXX in the past, the credit bureaus and credit issuers have refused to remove these items from my credit. I am the XXXX of a XXXX XXXX. All of my accounts are in good standing and never late. Any and all derogatory items on my credit are directly related to the XXXX. I am unable to refinance my home as a result of the sever damage this is causing to my credit.
Product: Checking or savings account

On XX/XX/2024, I deposited a check for {$80000.00} into my Bank of America account. I was not informed at the time of deposit that a hold would be placed on the check, nor was I provided any notification about the hold in a timely manner. When I checked my account online, I discovered that a hold had been applied to the deposited funds. This hold was neither disclosed upfront nor explained by the bank when I deposited the check. 

I waited XXXX days and contacted Bank of America on XX/XX/2024, to request that the hold be lifted. A representative informed me that she had spoken with the Risk department and that they had agreed to remove the hold. I was instructed to check my account throughout the day for confirmation. Despite her assurance, the hold was not lifted, and the funds remained unavailable. When I contacted the bank again later that day, I was told that the hold was still in place and that the representative from earlier had misrepresented the situation, essentially lying to me. 

As a result of this misrepresentation and delay, I have incurred financial damages in the form of additional interest charges on a high-interest debt I owe to Bank of America XXXX The funds from the check were withdrawn from the issuing account on XX/XX/2024, and should have been made available to me by now. 

I believe Bank of America 's actions have violated the following regulations : Regulation CC ( Expedited Funds Availability Act ) : Bank of America failed to provide timely notice of the hold on my funds, which is a requirement under XXXX ( g ). Additionally, the prolonged hold may exceed the reasonable hold period under XXXX, as the funds have already cleared the issuing account. 

Unfair, Deceptive, or Abusive Acts or Practices ( XXXX ) : The bank 's representative provided false and misleading information regarding the status of the hold, causing me direct financial harm. This misrepresentation constitutes a deceptive act in violation of Section 1036 ( a ) ( 1 ) ( B ) of the XXXX XXXX XXXX XXXX and Consumer Protection Act. 

Requested Resolution : Immediate release of the {$80000.00} deposit. 

Reimbursement of all interest charges incurred as a result of the delayed access to my funds. 

An investigation into the bank 's practices regarding hold notifications and misrepresentation of information by customer service representatives. 

I am currently limiting my claim to the additional interest charges I have incurred but reserve the right to pursue further damages if this situation is not promptly resolved. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Credit card

I recently applied for a platinum credit card from XXXX on there online system and was denied for the card and I'm not really finding that reasonable which a security was given for collateral and consideration and no consideration was given back by the company a legal binding instrument only takes an offer acceptance and consideration which was given. According to XXXX XXXX XXXX XXXXXXXX XXXX  as issuer and The Bank of New York Mellon as XXXX XXXX XXXX XXXX XXXX dated XX/XX/2018 in the granting clause it states the issuer grants The Bank of New York Mellon and note holder for the benefit and security in it's individual capacity a first priority security interests in all rights, title and Interest whether now owned or hereafter acquired in and to the following ( i ) thru ( xiv ). It also states the security interests in the collateral is granted to secure the notes. And the agreement of parties also states for the establishment of the terms and conditions upon which the notes are to be authenticated issued and delivered and in consideration for the premises and the purchase of the notes by the holders thereof it is mutually covenanted and agreed as follows for the equal and proportionate benefit of all the holders of the notes or series or tranche. Any other issues on the collateral pursue the same Indenture dated XX/XX/2018 article XXXX collateral. Also in the same Indenture section XXXX limited recourse it states any holder of notes will have the right which is absolute and unconditional to receive payment of the principal of and interest of such note on the legal maturity date. Now I was denied because of a XXXX score XXXX got from a third party which was XXXX evidenced by an inquiry on my credit report which I have confusion with cause in XXXX prospectus XXXX it says they do get their XXXX score from a third party but it also says that can't verify the accuracy of the XXXX score from the third party so I'm not understanding how can I be denied if value was given a security interest in the collateral and the security is turned into Receivables that the company sells and make money off. I have read the indenture between the bank of New York Mellon and XXXX trust agreement, transfer agreement, servicing XXXX and pooling and service agreement which I understand fully.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been turned down for a home loan due to this NOT GETTING RESOLVED! AND I HAVE PROOF OF TRYING FOR THE PAST YEAR TO GET THIS ALL RESOLVED WITH EACH CREDIT REPORTING AGENCY! 
I WILL BE TAKING THIS TO AN ATTORNEY NEXT AS I HAVE SEEN ALL THE COURTS DOCS STATING EACH CREDIT REPORTING AGANECY HAS ALREADY BROKEN THIS LAW WITH RECENT LAW SUITS!! 

I have mailed your several letters disputing information contained in consumer reports complied, initiated an published by you allegedly concerning regarding the following : Each account is listed on beginning on page 2 AND Per CFPB records, you received my disputes on XX/XX/2023 ( COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 ) Accordingly, as per the FCRA you were REQUIRED to conduct a reasonable investigation and DELETE OR MODIFY the disputed information as I requested before the end of 30 day period of the date in which you received my dispute letter. You received my dispute request letter on ( date ). Therefore, your response was due on ( date ). Instead of sending me a response letter with the results of your full investigation by confirmation, you sent me a letter claiming the information was Verified You have willfully failed to DELETE OR MODIFIY the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation and your assumption is a NOT VALID reason under FCRA LAWS to not reinvestigate my dispute. Note you have not made any reasonable determination that dispute was frivolous or irrelevant. Nor have you sent me once such determination that complies with the FCRA LWS. Furthermore, I directly dispute the completeness and or accuracy of information contained in my consumer file. As per the FCRA your failure to reinvestigate is an intentional and or negligent FCRA VIOLATION. 
In a result of your conduct as described above, you shall promptly DELETE OR MODIFIY the disputed information. Additionally, as per the FCRA, you are now liable to me for damages for your conduct. In addition to your DELETION OR MODIFICATION of the disputed information, you are demanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX. For each item you failed to complete fully. Be advised, the IS NOT another dispute or opportunity for you to reinvestigate the previous disputed items. The lawable period to conduct such a reinvestigation has EXPIRED and shall not be extended by FCRA LAW! 
1, You are now, within 14 days DELETE OR MODIFY the disputed information requested, 2, send and dated copy of my full consumer file and 3, send me the {$1000.00} per item you failed to fix check to my mailing address listed above. 
Sincerely, XXXX XXXX The list of Laws by Fair Credit Reporting Act : 15 USC 1681 SEC 602 A, 15 USC 1681 SEC 604 A, 15 USC 1681 C ( a ) ( 5 ), 15 USC 1681 S 2 ( A0 ( 1 ), 15 USC 1681 N, 15 USC 1681 O, 15 USC 1681 E, 15 USC 1681 ( a ) ( d ) ( 2 ) ( A ) ( i ) THESE HAVE ALL BEEN VIOLATED!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of Transunion to retain disregard a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Transunion run me copies of documents bearing my signature to prove the status of the disputed accounts. If they are unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card

I have a Chase Amazon Rewards Visa. I placed an online order with a combination of points, credit card and gift card visa. There was an issue, so I cancelled the order within minutes of placing it and then placed a new order. 

Chase deducted rewards points for XXXX orders - XXXX for the cancelled order, as well as XXXX points for the new order. They refuse to credit the points back for the cancelled order, blaming XXXX. This is not on XXXX 's end. XXXX never made a charge, they actually never fully charge until an item ships. 

I had no trouble using my 3rd party gift Visa on the replacement order - again, because XXXX had never made a charge. Chase, however, refuses to correct the points balance despite contacting them and explaining the situation multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account from XXXX XXXX had been reporting in a charge off status and shows 57 reports on XXXX  before updated as settled with XXXX balance on XXXX  and Transunion. This account had been charged off and allegedly had a deficiency balance however, XXXX XXXX never sent and was not received the legally required notices for the state of Missouri to be able to claim such a balance and is currently in a class action lawsuit ( AmeriCredit Financial Services , Inc. v. Bell CASE NO : 15SL-AC24506-01 ) due to this occurring to many people in Missouri. Specifically no pre-sale or post-sale notices were never received and nullifies and claim to a balance and the reporting is therefore incorrect.
Product: Credit reporting or other personal consumer reports

1. BANK OF AMERIXXXX XXXX XXXX 2. BANK OF AMERIXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX I've disputed these accounts. 

On XX/XX/XXXX, I noticed unauthorized accounts on my credit report. I immediately contacted the companys customer service and credit bureaus to dispute the charge and was assured that it would be investigated. However, despite multiple follow-up calls and emails over the past six months, the accounts has not been removed, and I have not received any updates on the status of my disputes. Additionally, the company has continued to report this inaccurate information. This has negatively impacted my credit score and caused significant financial stress. I am seeking the removal of the unauthorized accounts showing on y credit report.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 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 XXXXXX/XX/XXXX
Product: Credit card

I have credit protection on my Navy Federal credit card. I have been denied access to the credit protection program team. I have made multiple attempts to contact. I have received paperwork but can not get access to the team to give them information. Navy Federal has emptied my bank accounts and have threatened legal action if I dont pay. Even today ( XXXX ) I was not transferred to the correct team. I was only asked if I was refusing help. I answered the question more than once that I wanted to use my credit protection account. I am seeking help. Im still being denied.
Product: Debt collection

I was a victim of identity theft and noticed a collection from MIDLAND FUNDING I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against MIDLAND FUNDING in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting or other personal consumer reports

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

Account Name : 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

Please remove all inquiries shared with others and shared with me only. 

XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX collection XXXX  XXXX XX/XX/XXXX collection XXXX  XXXX XX/XX/XXXX charge off XXXX XXXX  XXXX XX/XX/XXXX charge off XXXX XXXX XXXX XXXX XX/XX/XXXX charge off XXXX XXXX   XXXX XX/XX/XXXX charge off XXXX XXXX  XXXX XX/XX/XXXX charge off XXXX XXXX XXXX XX/XX/XXXX charge off XXXX XXXX XX/XX/XXXX charge off