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

On XX/XX/year>, I submitted a formal request to TransUnion seeking specific details regarding the verification process they undertook concerning disputed negative accounts appearing on my credit report. These disputed accounts include : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Money Lion - Account Number : XXXX The information I specifically requested from TransUnion included : Date of Contact with Creditor, Creditor Contact Information, Name of Person Who Verified the Items, Method of Communication Used for Verification, and whether Creditor Provided My SSN, Date of Birth, and Address. Despite my clear and reasonable request, TransUnion refused to provide the requested information. I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. However, I received a response back from TransUnion dated XX/XX/year>, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. This refusal is particularly disconcerting given that they previously asserted the accuracy of the aforementioned accounts. TransUnion 's refusal to furnish the details regarding the verification process raises concerns regarding the accuracy and legitimacy of the reported negative accounts. TransUnion 's failure to disclose essential information about the verification process undermines transparency and consumer trust. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act.
Product: Debt collection

XXXX XXXX breached a lease agreement with me. There was a verbal negotiation that allowed me to vacate the apartment ease on XX/XX/year> without any penalty. All debts outstanding were current and satisfied. They never responded to repeated attempts to communicate anything. Suddenly I started receiving letters stating I owed them almost {$2000.00}. which was false. After further attempts to contact them, I was forced to send a cease and desist letter to them alleging fraud. I had to contact a lawyer and the matter is in current pending litigation. I was notified by Innovative Recovery Inc. that tried to collect a debt which I promptly disputed with them. On XX/XX/year> they went ahead and falsely reported this claim of debt to my personal credit report adversely damaging my score. Now it will escalate as I take this very seriously.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report 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
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an important issue that I have discovered on my credit report. Upon reviewing my credit report dated XX/XX/2024 I have identified the following information which I believe is incorrect : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX  This inaccurate information could have significant negative implications on my credit score and financial standing. As such, I consider this matter to be of the utmost urgency. 
I kindly request the prompt deletion of this inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information in my credit report that I consider to be inaccurate or incomplete, and have the right to request its immediate removal. 

To facilitate the resolution of this issue, I have provided my contact details below. I am hopeful for a swift response, and would appreciate it if you could notify me once the correction has been made. If further discussion is needed, I am available at your earliest convenience. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Please note that if Credit Bureau fails to promptly correct the information as requested, I may consider taking further steps to ensure the accuracy of my credit report. I trust, however, that this matter will be resolved speedily and satisfactorily, without the need for such actions. 

Thank you for your attention to this matter and for your cooperation. 
Best regards, XXXX XXXX
Product: Student loan

I divorced in XX/XX/XXXX and it quickly became very difficult to meet the minimum payments on my student loans through Navient while trying to afford very basic living expenses on my sole salary. I contacted Navient numerous times and I was told every time that there was nothing that I could do. The last phone call that I had I was told that my only option was to get a loan through someone else to pay off Navient or to borrow money in the amount of {$10000.00} to pay them off. I am not sure who is able to do that but I found it to be two very inconceivable options.
Product: Checking or savings account

I have received a debit card from Truist bank that does not work. When I called, the wait was over XXXX minutes. I left a message on social media ( DM ) that my debit card does not work. I was told someone would reach out to me and they never did. I am also concerned about my direct deposit since customers have reported that their direct deposits have been late. They are being totally unprofessional and unwilling to reach out.
Product: Mortgage

I sold my condo on XX/XX/XXXX. Chase sent written notice that they own me XXXX due to escrow balance and monthly autopayment drafted after closing. I received a check for XXXX and cashed it on XX/XX/XXXX but the check bounced.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I contacted Transunion to try to explain XXXX XXXX XXXX and XXXX XXXX XXXX card statement printed on XX/XX/2019. 

my credit limits were increased to XXXX from XXXX XXXX  XXXX and XXXX from XXXX XXXX   XXXX on XX/XX/2019. 

previously they were XXXX at XXXX XXXX and XXXX at XXXX XXXX I contacted both XXXX and XXXX customer service on XXXX both state transunion should have both statments. for your reference I attached both statements for the two accounts in question and Tranunion should update my credit reports, Transunion is refusing to update both accounts I find this inexcusable that Transunion is not doing there due diligence to resolve this
Product: Credit reporting or other personal consumer reports

I received unauthorized transactions on my Capital one credit cards and my balance increased with XXXX XXXX Capital one credit card department report negative balances on my XXXX credit cards XXXX and XXXX, in result my credit report get negative late payments. I am not responsible for this unauthorized charges and higher balances and kindly asked Capital one to remove late payments and charges from my account but they forced me to pay in full. Also they refused to send my new credit cards but they say after I pay all balances they will ship my new cards. 
Already 3 times I uploaded my Driver 's license, SSN card and Residency statement to the link they sent my and even now Capital one can not verify it or they doesn't want to resolve this issues
Product: Credit reporting or other personal consumer reports

I am writing to request a goodwill adjustment for late payments reported in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was in the XXXX  service and had a hard time making payments not only because of financial hardship, but because of certain places I was XXXX. Although I was not specifically protected under the CARES Act due to my service, I acknowledge that everyone was granted protections during this time. 

Given my commitment to timely payments and the circumstances surrounding these late reports, I kindly ask that you consider removing these marks as a goodwill gesture.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I requested an itemized statement of the debt and a 1099C. I never received this information and Instead, the company reported me to chexsystems for Account Abuse for money they charged off. I have every right to get a 1099C from these people. Furthermore, I was denied when trying to open a credit card with XXXX today because of this intentionally damaging reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the remaining inquiries and demanded verifiable proof bearing my signature/ electronic signature. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Experian Credit Reporting Agency to follow up and investigate an inquiry in question or to delete. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please remove the listed inquiries and prevent such occurrence from happening. Under the laws of the FCRA, the Experian Credit Bureau are required by the FCRA to follow up with the creditor. Please see the list of the remaining Inquiries below : XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022. The FCRA requires the Experian Credit Bureau to remove the remaining selected items within 15 days. The Experian Credit Bureau is obligated by law to remove the inquiries. There is a clear case of unauthorized inquiries here, and I urge the Experian Credit Bureau to remove them before I am forced to take legal action.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXXXXXX XXXX XXXX XXXX XXXX XXXX that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Opened on XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX # XXXX - Opened on XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The report shows evictions that never happened in XXXX NC for Housing Authority. I was already being over charged at this place, discfiminated against, lost mkney orders when i knew i paid these people. Ive been denied housing several times here in SC due to false information reported on my tenant background. Ive made complaint after complaint about false information on my background. It shows... .US Treasury Department XXXX XXXX - XXXX & Blocked Persons..which could explain why when ordering things online everything is made in XXXX or XXXX, or when services are rendered at the hospital doctors that i didnt see are showing up on medical exams, or why foreigners are being on all my calls when calling out allmy calls are rerouted to foreigners or overseas, this explain why XXXX packages shipped to other peoples houses from me doesnt actually ship there it comes to my house with my name not theirs ... the orignial person thaf i was sending it to. This explains why all my devices brand new no matter what when making a purchase it shows me buying more than 2 devices or equipment at the time of purchase. This explains why one credit report shows XXXX XXXX XXXX with different information than XXXX XXXX or XXXX XXXX XXXX. All my credit reports shows falss informatiom such as addresses, phone numbers, medical bills, names i dont use, loans i didnt take out, phone bill accts not mine, etc. Im being attacked harmed brutally visioucly denied medical treatment for the false information linked to me and my kids XXXX and XXXX. Me and my kids are dealing with health issues that these doctors claim they canf find out whats wrong but really know... .im starting to believe. If you check evem with XXXX XXXX my social isnt linked to my own account. When trying to activate my debit card for my bank it said my phone number isnt linked to the card but the bank saids it is. I got an Experian Alert stating a change of address was made but when contacting USPS they said it wasnt. When calling to activate new XXXX Business Services ... customer service showed me ordering 4 devices with sprint and showed me calling in from phonw number XXXX. Please help me and my kids are innocent. I filed complaints with FCC someone reached out at said my phone service wasnt even with XXXX XXXX it showed XXXX and thats false. I know where i started up services. Im paranoid and mentally going insane sometimes feeling like death is my only way to get peace... nobody will help. Synthetic Fraud, Sim swapping fraud, bank fraud, drivers license fraud, etc is the key to me and my kids case.
Product: Vehicle loan or lease

I set up automatic payment drafting for my auto loan. I was instructed to read a form in the office which states that I give XXXX XXXX company permission to debit my account for XXXX each month, and they have done so each month. Today XX/XX/2019 the clerk charged my account XXXX, and told me that the corporate office is now shut down and that she's not going to do anything about the situation! The car needs XXXX worth of repairs so it sits in my yard undriveable, so she added gap insurance without my knowledge. Ok, i get it ... but I didn't agree for you to take that amount out of this bank account. How can she just take money that i did not approve of without my signature?! That's essentially agreeing to one thing then changing stipulations later without notifying the other party! Unprofessional and careless.
Product: Credit card or prepaid card

re. Marcus GM card no. XXXX XXXX XXXX XXXX On XX/XX/XXXX the account had a credit balance of {$780.00} On that same date I made a written request to close the account and mail the proceeds to the address of record ( Marcus has acknowledged receiving this correspondence and my directive to close the account ) Shortly after this date I received a check dated XX/XX/XXXX in the amount of {$780.00} After that date, even though XXXX had directed Marcus to close my account with a XXXX balance, I began receiving bills from Marcus indicating that I owed fees on the account I called Marcus several times ( XXXX ) but was told they did not close my account even though they acknowledged receiving my written directive to close the account on XX/XX/XXXX with a balance of XXXX They now tell me I must pay the fees they have charged me after my closing letter of XX/XX/XXXX before they will " close '' the account This may be part of a Marcus/Goldman Sachs strategy to attempt to recoup the {$10.00} XXXX dollar net earnings drop they experienced in XXXX This is the same company which received a {$10.00} XXXX bailout from the US government in XX/XX/XXXX because of financial mismanagement All I am asking to for Marcus/Goldman Sachs to honor my written directive to close the account effective XX/XX/XXXX XXXX
Product: Debt collection

I previously notified this company that there were fraudulent accounts in my name with them. They sent back response that : " We reviewed your fraud claims for these accounts and determined that we are unable to accept your claims. While you were not personally liable for the account ( XXXX ), you made payments on these accounts from your XXXX XXXX XXXX XXXX account. We enclosed the letters explaining our decision that were sent on XX/XX/year>. '' I have not made any payments to this company and the XXXX XXXX account that they are referring to is also a fraudulent account in my name. Just because someone made a payment does not make this account mine. My identity and my families identity was stolen not just for this account but to open several obviously so it does not make any sense to assume that.
Product: Money transfer, virtual currency, or money service

There was a charge on my paypal account for XXXX that I didn't make. I had to cancel the debit card and report it stolen with the bank but paypal closed the case with no resolution - even after telling them I did not make that transaction. They stated after their review they found certain transactions weren't unauthorized. Ok, I think I know what I authorized and didn't. Then, just to see what would happen, I clicked on repeat this transaction and low and behold, that individual can no longer accept funds. Imagine that. So now it's apparently ok for Paypal to let your card get hacked and no be responsible for it.
Product: Debt collection

Violation 607.Compliance procedures [ 15 U.S.C. 1681el ] B ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Both files are fraudulent and dont belong to me. Both accounts are reporting different balances even while company tried to say they verified debt. Company has stated they won run disputes because theyve ran them accurately. XXXX will show that was a lie as well as their attempts to collect incorrect amounts with information they stole from my person file
Product: Credit card or prepaid card

I have a Lowe 's XXXX Credit Card/Synchrony bank credit card. When I applied for the card back in XXXX of XXXX, it had a low introductory rate ( 9.9 % I believe, but can not remember for sure ). It was supposed to go up to 15 % after the term was over. I applied for {$1000.00} USD and they have slowly increased my available balance to a current amount of {$4700.00} without my authorization. Recently, I noticed that I was paying {$200.00} per month and the balance was only decreasing by {$110.00} something a month. The balance was approximately {$2500.00} when this was noticed and I since opened a new card from another company to pay them off. When I looked into it, They were charging me interest and a fee for unemployment insurance ( I did not apply for unemployment insurance ). When you figure the current rate they were charging me monthly, it is at 40.99 % ( 25.99 % for interest and 15 % for the unemployment insurance fee ). I researched a bit further back and it shows this rate since before XXXX ( I don't have any records that go back farther than that ). This is an incredibly far stretch from the 15 % that I agreed to. Can someone please look into this company to see if it qualifies for predatorial lending practices? I am aware that I am not eligible to receive compensation for the inflated fees and interest, but I would like to prevent others from having this done to them. An increase of 25 % over what I agreed upon when I accepted the card. I may have missed the correspondence notifying me of the increase. I have excellent credit ( XXXX ) and have had it since before I applied for this card.
Product: Checking or savings account

I often get random charges on my cashapp card that can never be rectified nor to i ever speak to a live person
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a credit dispute on XX/XX/20 with Experian regarding XXXX XXXX. I have never had a mortgage or signed/agreed with XXXX XXXX for the said amount. All Experian did was investigate for one day and updated nothing. The entire information is incorrect the amount is well over the mortgage for the home that I showed proof of. They gave an automatic response without looking into this. I believe its mortgage fraud showing on my credit report.
Product: Vehicle loan or lease

Credit acceptance XXXX XXXX XXXX XXXX XXXX obscured the true cost of its loan to me the car buyer, leading to severe financial distress for me the borrower and subjected me to aggressive debt collection tactics on a loan its own system predicted that I the borrower couldn't afford to repay, also using the credit reporting agencies to harass and continue to further destroy my credit. 

Preservation of consumers claims and defenses, were not included in the contract pursuant to 16 cfr 433.2 ( a ) Securities and Commodities fraud pursuant 18 usc 1348.

Also no consideration for the negotiable instrument that I created by, so UCC 3-202 Allows me the right to renegotiate the contract.