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

XXXX  XXXX showed up on my experian account. I immediately tried to file a dispute with Experian as i have NEVER had an XXXX  XXXX account ever. They did not remove from my credit report. 
This is not my debt. 
I have never authorized anyone to open an XXXX XXXX XXXX account. 
I attempted to have experian remove this again and they still have not removed from credit report. Super frustrating b/c this is not my account, nor have I ever had an XXXX XXXX XXXX service or account of any kind ever.
Product: Student loan

XXXX Payment History is incorrect and should not reflect 240 missed payments when account payments have been deferred for natural disaster/pandemic. Account lists payments currently on time which conflicts with payment history?
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America Missouri is being reported on to the file that your company maintains up under my personal information. I have never had an account with Bank of America. The document with the electronic signature does not belong to me and its not my signature. I've also asked that you provide Driver license or anything that was used when the person acting as me entered your bank. An electronic signature look as though it was obtained thru an online portal which I did not authorize or take part in. This account is a direct result of identity theft and I am requesting that it be removed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as  directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a security freeze put onto my account with Experian, however Experian it is impossible for me or anyone to remove a credit reporting freeze with Experian as the phone information provided is impossible to use and upon giving about 15 instructions in a period of two minutes, then the built-in AI hangs up immediately. 

This appears to have been done so to cut costs at this credit bureau at the expense of the consumer.
Product: Student loan

Discover Student Loan # XXXX. I 've been trying to refinance my student loan ( at 9.375 % to a lower rate with another lender ) but I 've been getting stonewalled by Discover. I spoke with multiple representatives at Discover requesting " Lenders ' 45-day Payoff statement '' mailed or emailed to me and each time I 'm being told that my request will be emailed up the chain-of-command. After 1-month of multiple requests I called yet again today only to get the same response. Without the statement from Discover my new lender would not process the loan and i have a limited window of opportunity to complete my paperwork. Please help!
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

My health insurance did not pay the claim originally because of the way it was submitted. I contacted the insurance co. And they resubmitted it and paid the claim in XXXX XXXX. I contacted the collection agency recently to ask them to contact the credit bureaus to say the collection was an error. They told me their client sent them an email in XXXX XXXX saying to continue to try to collect. I spoke with a representative on XXXX/XXXX/XXXX and they told me to fax the paid claim statement which I did. I just looked the account up online and it says I owe {$20.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 60 days straight with XXXX  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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis 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 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX 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 reporting or other personal consumer reports

TRANSUNION CONTINUES TO REPORT XXXX XXXX XXXX XXXXXXXX THIS IS AN ACCOUNT THAT EXCEEDS THE STATUE OF LIMITATIONS FOR REPORTING. THE ACCOUNT WAS ORIGINALLY OPENED IN XXXX AND PAID OFF IN XXXX. THE REPORT PAY OFF DATE SHOWS XXXX. THIS INFORMATION IS INCORRECT
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. i got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, i deposited {$500.00} into my paypal account, which they immediately put a hold on and would not allow me to transfer to my card or bank account which is suppose to be instant. On XX/XX/2018, they released my account, allowed me to transfer {$30.00} to my card, and immediately put a hold on the other {$470.00} for no reason. When contacting the company they had said there was no risk to my account, but they couldnt do anything about the security check. After, when contacting them, they pretend they can not hear me, and hang up. Or, when calling me back, will only let the phone ring once, then hang up so i cant answer, and just end up with a missed call. They never disclosed that i would have my money held, until after i had already transferred it. From my understanding, they have been doing this to every body, and refuse to give anyone answers. I believe they are holding it to invest it for the amount of time they are holding it, before they release it, without consent of the customers. I had a car payment, and rent due, that is now late, because they are holding my money. I can lose my car and will effect my credit score, not to mention possibly get me evicted from my place because i have not been able to pay the weekly rent.
Product: Debt collection

I got a phone call to my number from a lady and she left a voicemail. I was told that my name and social security number was placed on her desk and a claim was filed against me and that I needed to go to her office and sign some paperwork. She never told me what company she worked for or anything. I called the number and XXXX XXXX ext : XXXX picked up the phone I gave him all my information and he told me that he was from Red Cedar Associated and that someone was trying to sue me for money owed and that I needed to pay it up from and I could n't make any payments. If I did n't pay him up front then they will file a judgement against me. I told him to send me a bill and he said he will send a notice statement to my email address. I asked him if he had anything from the original loaner, and he said no just that it came from XXXX in Arizona. I said fine just email me what you have. He told me that once I reviewed the email to call as soon as possible because they this is very urgent and I could be in big trouble. So once I got the paper in the email I looked it over and gave him a call back. A man by the name of XXXX XXXX Ext : XXXX answered the phone, I asked to speak with XXXX XXXX he said he was unavailable but he could help me. I told him if I could make a payment plan to pay and he kept telling me no that I would have to pay the whole amount. I told him I wanted to send payment using a cashiers check and he told me no they would not accept it due to the severity of the loan. So I went on their website and t states that they accept money orders, money grams, debt, credit and checks by mail and over the phone. I told him this then he told me to hold. He placed XXXX XXXX on the phone, XXXX XXXX started to bully me and told me I had to use a debit, credit or prepaid card and nothing else. I told him I needed to track my payment. He then told me he needed to get his director on the phone. Then placed XXXX XXXX on. I asked for their director and XXXX XXXX said he was the director. I told them I need to be able to make payments in small sums every week using a cashiers check. He told me no I ca n't do that and if I sent a cashiers check that they would just send it back to me. Then my spouse got on the phone and told him the same thing I was saying then said I was pregnant and can not pay a large sum and I had to use a cashier check to track my payment. Then placed me back in the phone. XXXX XXXX then told me not to worry that I can send a cashiers check for any amount. I asked if they sent invoices letting me know they received payment he told me no just call over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by Experian that a hard inquiry was on my credit report from XXXX XXXX. I found that odd because I've had a XXXX XXXX card for many years. I looked it up & saw that it said " a lender requested a copy of your credit report for a home retail loan. Every time you apply for credit, a " hard inquiry '' is placed on your credit report and it may stay on your report for 25 months. '' This is listed as coming from XXXX. A few weeks back I did apply for a credit increase online but it was immediately declined so I know credit was pulled then. 
I called XXXX XXXX today & asked about my credit being pulled today. They admitted it was but never told me why. They said they couldn't remove the inquiry & I'd have to talk to the credit bureau about that. I'm trying to rebuild my credit, I even told them that & that they were the ones that had to take care of the inquiry, not the credit bureau. They said they couldn't do anything about it. I had to talk to the credit bureau. I ended that call with no answers about why that inquiry was done and why they refused to remove it.
Product: Money transfer, virtual currency, or money service

I have been in the cryptocurrency market for 2 years from the middle of XXXX to XXXX. However, they did let me sign up for the app which is Coinbase, and now they locked my account because I do not have SSN. They stated that they only needed my Driver 's license and my passport. Besides, they are scammers because when the dips dropped down I could not buy it as they say its a system error.
Product: Credit card

I have a Macy 's credit card for which I automatically debit a checking account to pay my monthly bill. I purchased furniture on a 12 month interest free promotion at Macy 's, which promised to bill me in XXXX equal installments. The furniture amount was over {$1400.00}. On the first monthly payment, Macy 's debited my checking account the full amount of the charge rather than XXXX of the charge as should be done on a 12 month interest free promotion. I asked Macy 's representatives if my auto-pay would make the promotion not work, and I was told it was not a problem.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TransUnion regarding their handling of my identity theft dispute. TransUnion has claimed that my identity theft affidavit is invalid, and I believe this decision is incorrect and is causing unnecessary delays in the resolution of my case. I am seeking the CFPB 's assistance to ensure my rights are protected and that this issue is resolved promptly. 

, I submitted an identity theft affidavit to TransUnion in response to unauthorized accounts opened in my name. The affidavit provided detailed information about the fraudulent activities, including dates, account numbers, and supporting documentation, as required by federal law under the Fair Credit Reporting Act ( FCRA ). 

However, TransUnion recently informed me that my identity theft affidavit is invalid. They have not provided clear or specific reasons for this determination. Instead, I received a standard stall letter, which fails to address the specific details of my case or explain the rationale for rejecting the affidavit. 

lack of Specific Explanation : TransUnion has not provided a clear, detailed explanation of why the affidavit is deemed invalid, nor have they outlined what additional information, if any, is required. 

Failure to Follow Legal Requirements : Under the FCRA, TransUnion is required to investigate identity theft claims thoroughly and respond with a valid decision based on the information provided. Their refusal to process my affidavit in a timely manner violates these legal obligations. 

Delays and Inaction : TransUnions failure to act promptly has caused significant delays in resolving my case, which has negatively impacted my credit and ability to protect my financial identity.
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. 

XXXX XXXX XXXX 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 an 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 or 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 card or prepaid card

On XX/XX/XXXX I purchased product from XXXX for XXXX. 
When I received the product the following week it was missing key components to make the product work ( XXXX wires were missing ). 
XXXX originally was unresponsive to my emails, so I initiated a dispute with Chase. 
During this time XXXX responded to me and said they would send me the missing wires, so I cancelled my dispute. 
After waiting eight months for the wires and following up with them 10+ times I still never received the wires. I then told XXXX I would like everything refunded and they agreed. 
On XX/XX/XXXX XXXX picked up my items and they were delivered to XXXX later that week. Tracking numbers XXXX, XXXX, XXXX. 
On XX/XX/XXXX they emailed me saying the refund was fully refunded. I did not see the refund on my card. I continued to follow up because I still never got the refund. 
XX/XX/XXXX they send me a screenshot from their internal system claiming they have refunded me. I have attached the screenshot. 
Current - I still have not received my refund and Chase says it has been too long since the purchase to do a regular dispute.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting

I have attempted to get TransUnion to remove a XXXX item on my credit report that is erroneous. I never had a XXXX account. This erroneous item prevents me from providing a home for my children and it impedes my employment. The harm is made all the worse because it is easier for a corporation to mistakenly or erroneously place a collection on a consumer 's credit report than it is for a consumer to remove such items. Please have TransUnion remove this false item from my credit report.
Product: Checking or savings account

Closed checking account with XXXX XXXX ( XXXX XXXX, hqtrd in WI. ) has been reported to XXXX as having a negative balance. The bank that acquired that assets/accounts ( First Citizens Bank in NC. ) has not produced the requested documentation/evidence of what created the negative balance.
Product: Debt collection

On XX/XX/XXXX Chase Bank called me 5 times between the hours of XXXX XXXX and XXXX. Each time I asked them to stop calling. I was informed that it was an automatic dialer and they apologized. I asked to jave my number taken off the call list and to have written correspondence. 
There have been other days where I jave received multiple calls at work and I've asked them not to call me as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The car dealerships shopped my credit around without my permission. The credit bureaus are reporting false information and it's hurting my chances of attaining lines of credit. I did not authorize any of the accounts. I did not give anyone the okay to use my information to attain credit. 
Under 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 agency can not furnish a account without my written instructions 15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the expressed permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection of any debt 15 U.S.C 1692B : Acquisition of location information
Product: Credit reporting

On XX/XX/XXXX we tried to refinance our house. First time through XXXX XXXX. 
It went well until they sent us a higher interest rate than we already had due to having a manufactured home. We decided to go to a specialized company locally XXXX. 
We completed application and then found out XXXX was reporting fraudulent late 's. This was not an issue as I had proof they were lying, the problem came about when we looked at the credit report and XXXX Flagged me on a XXXX alert, without using the proper protocol. They flagged me based on some of my name and not the entirety. Never looked further than name. If you are familiar with XXXX, they should also look at birth date, mine XX/XX/XXXX, the person they matched me with was born in XX/XX/XXXX. Adresses where I lived. Never been near XXXX, the worse is I have been through nothing but XXXX since, still needing to refinance because XXXX is XXXX, they will never change and have caused so many health issues including a XXXX. I decided to write to XXXX and send it certified, along with my XXXX XXXX certificate, Ca Drivers License, ss card. I waited until XX/XX/XXXX and decided to get XXXX XXXX involved. After almost 11 months I have been exonerated from their Sanctioned list. The credit company that took did the reports were # XXXX XXXX XXXX, after sending them all documents mentioned above they removed it from my report. copies included. The company I am having problems with is Credco Corelogic, I sent them a complete package, they sent me back 2 letters, both requesting I call them. I have talked to them 2 times with no avail. they have refused to remove this fraudulent data off my report. If XXXX has exonerated me and I have and sent them documents certified, according to the FCRA they must remove this from my report. I refuse to insert a letter in my credit report explaining that they did not follow proper protocol. XXXX and then need to remove the fraud off my report, without destroying my credit score just like XXXX XXXX did. I have even been back to the XXXX company made copies for them and they refuse to help us. We need this completed, I have now been waiting 14 months to get rid of XXXX, I need them gone before they cause me another XXXX. I and my wife are permanently XXXX. I filed XXXX reports against them and nothing was ever done about them. I also plan to file a FTC this evening. If I get no results I will go back to XXXX, the one that got the XXXX removed. There is also a fraud credit pull on Credco report from XXXX XXXX, they have submitted a letter of removal and they also refuse to remove that. I have submitted all documents with this letter.