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

They did not provide me with no affidavit of truth nor any exhibits in this matter. I sent an affidavit of truth with exhibit stating how they violated the title 15 USC 1681b ( a ) ( 2 ) they did not respond to the violation of the Fair Credit Reporting Act violation that was addressed and brought to their attention. 


Transunion is using unfair and inaccurate information on my consumer report. The response is not what I asked for. My affidavit of truth and exhibit addressed who gave them written instruction to have this account that is inaccurate because I have no value in it. 

VERIFICATION. Confirmation of correctness, truth, or authenticity by affidavit, oath, or deposi- tion. McNamara v. Powell, Sup., 52 N.Y.S.2d 515, 527. I am the original creditor and this account was not verified with the original creditor so pursuant 15 USC 1681a ( 2 ) ( A ) ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report is excluded. 

Pursuant 15 USC 1681a ( 2 ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. HOW WAS THE INVESTIGATION CONDUCTED AND WHO DID YOU INTERVIEW? 

How did you not verify when you did not verify with me the original creditor? The is inaccurate because I have no value and this consumer credit transaction is unfair/unjust. This account is inequitable to me. Pursuant 15 USC 1692b ( a ) ( 2 ) In accordance with written instructions of the consumer to whom it relates. I the consumer/ natural person never gave you written instruction to have this account. Please provide exhibits notarized that you had written instructions. I sent Transunion written instruction to remove this account on XX/XX/2020 they have not done so and it been over 30 days. This is abusive and unfair practices by Transunion. 

I'm waiting on my rebutted affidavit of truth with exhibits from Transunion stating and showing I gave them written instruction according to the FCRA. 

If Transunion did a real investigation they would known that this was an unauthorized use of my consumer credit transaction pursuant 15 USC 1602 ( p ). 

Transunion is civilly liable for these violation of me the consumer PURSUANT 15 USC 1681n ( a ) ( 1 ) ( a ) pay for these violation immediately.
Product: Credit reporting or other personal consumer reports

Went to custom ice jewelry store. Asked about financing owner told me it would show a soft pull on my credit report but instead there is a charge off of over XXXX dollars. I did not receive any product. This charge is inaccurate and fraud.
Product: Checking or savings account

I USED AN ATM ( XXXX XXXX ) AT XXXX IN XXXX NC FOR XXXX IT DIDNT GIVE ME MY CASH IT WAS OFF TRACK I CALLED MY BANK CHIME AS SOON AS THIS HAPPENDED THEY SAID THEY WOULD FILE A DISPUTE ONCE IT STOPPED PENDING I ALSO CONTACTED THE ATM COMPANY WHO SAID TO CALL BANK WHICH I ALREADY DID... SO CHIME FILED MY DISPUTE AND DENIED IT WITHIN 3 HOURS DOINF NO DUE DILGENCE OF CALLING THE ATM COMPANY, TO CONFIRM THAT IT WAS INDEED BROKE AND OR TO CONFIRM THAT THE ATM WAS OVER IN THAT AMOUNT, CALLED BACK TO CHIME TO AGAIN OPEN ANOTHER CLAIM ABOUT THE SAME ISSUE SAID THEY WOULD SEND IT HIGHER UP THE CHAIN ONLY TO GET ANOTHER DENIED RESPONSE WITHIN AN HOUR... I HAVE BEEN WITH THEM OVER 9 YEARS NEVER HAD TO COMPLAIN ABOUT NOTHING AND THE ONE TIME LIKE THIS HAPPENS I GET NO HELP NOR RFESEARCH TO CONFIRM THAT I DID NOT GET MY MONEY SO UNFAIR AND RIGHT HERE AT THE HOLIDAY I DON HAVE XXXX TO THROW AWAY LIKE THAT WHEN I DIDNT EVEN GET IT
Product: Credit reporting

In XX/XX/2012 my student loans were discharged due to XXXX. I have been following the information on my credit bureau. XXXX has it correct. Transunion and XXXX do not. I have sent information and proof that the account from XXXX is not correct. I have asked over and over to investigate this. All they do is take XXXX word for it. Do they not realize that XXXX can be wrong. Do the many lawsuits and class actions against XXXX have any meaning? My biggest issue is with Transunion. It is like talking to the wall. Nothing changes. Meanwhile, due to this incorrect information, I am unable to get a home, or car. When you are XXXX, waiting for 10 years for incorrect information to fall off is not an option. I may be dead before it comes off. I think the CFPB should realize this is a big problem and consider action against Transunion as well as XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX  XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Monarch Recovery XXXX , Inc. is not licensed to collect debts in the state of Alaska. They are sending me many notices to pay them thousands of dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau, fraud department, XXXX XXXX XXXX, XXXX, TX XXXX, back in XXXX, XXXX  I notice the following account on my credit report : 1 ) XXXX XXXX XXXX XXXX XXXX Account # XXXX, Close with a balance of {$1300.00}, 2 ) XXXX XXXX XXXX Account # XXXX, Closed with XXXX balance 3 ) XXXX XXXX XXXX Account # XXXX, Closed XXXX balance 4 ) XXXX / XXXX Account # XXXX, Closed XXXX balance 5 ) XXXX XXXX XXXX XXXX XXXX, XXXX balance. 

I disputed all 5 fraudulent accounts with all three credit bureau, and is still showing on my report with Experian Credit Bureau,
Product: Credit reporting, credit repair services, or other personal consumer reports

Merchant and Medical submitted a collection of {$1200.00} stating I owe o debt to XXXX XXXX XXXX  as of XX/XX/XXXX. The information is not valid. The communication with the creditor is not effective I've filed disputes with Experian requesting Validation of proof this debt belongs to me and have not obtained it. This is a fraudulent account that does not belong to me and Experian is not verifying accurate information nor providing me with proof that I owe the debt as it will be impossible because it does not belong to me. I've made efforts to contact Experian on the phone as I can not dispute the collection online anymore and the high call volume proves unsuccessful. I removed a fraud alert from my reports as it was complex applying for credit. Since this poorly investigated collection I've added it back. As I've been a victim of identity theft by my half- sister and its verified with police reports dating back to XXXX. This account with Merchant Medical nor XXXX XXXX belongs to me and has not been properly verified furthermore XX/XX/XXXX when the account opened I lived in XXXX, GA drivers license nor utilities have reflected a Michigan address since XXXX and it was of XXXX XXXX, XXXX, MI. I have not lived nor granted permission for anyone to at XXXX XXXX. Original lease contract and identification provided for the application, and proof of utilities, employment information as all of this is required when leasing and needs to be provided as proof this apartment was actually leased and occupied to me. Since XX/XX/XXXX I've served as a legal court ordered guardian to 5 children and we have never lived at a XXXX XXXX XXXX.
Product: Debt collection

This debt is in the amount of {$150.00} and the original creditor name is " Rent Recovery Solutions ''. The date assigned is XX/XX/XXXX. This alleged debt is in regards to the apartment complex " XXXX XXXX '' located in XXXX, TX. They have since changed their name to " XXXX XXXX XXXX  XXXX '', no doubt due to several complaints about this facility and the incompetent way they handle their business. I had rented an apartment from this complex in the fall of XX/XX/XXXX. This complex boasts that they include pre-furnished rooms in all their apartments, which includes a desk, dresser, and bed. Within one week of moving into my room, my whole body was infested with bed bug bites as the bed was infested with bed bugs that were never fumigated. Needless to say, I moved out of there as soon as possible, and the apartment head manager XXXX had agreed to refund all of my deposits and my first month of paid rent. Not only did I never receive my refund, I received a call a few years later claiming that I had an unsettled " moving out cost '' with them. I had explained my situation to the representative and thought the situation would be taken care of. Fast forward to now in XX/XX/XXXX as I 'm checking my credit report, and the dispute is still on my report. I would like this erroneous charge to be removed from my credit report as it is not only grossly incorrect, but it is negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

IT'S BEEN MORE THAN 30 DAYS AND XXXX, XXXX, AND TRANSUNION ARE NEGLECTING MY DISPUTES. I HAVE WAY TOO MANY INACCURACIES ON MY CREDIT REPORT AND MY CREDIT REPORT SHOULD BE 100 % ACCURATE. EACH CREDIT BUREAU VERIFIED ACCOUNTS WITHOUT TELLING ME THEIR METHOD OF VERIFICATION AND HOW THE ACCOUNTS WERE NOTED AS BEING ACCURATE. THEY ARE NOT ACCURATE BECAUSE THEY DON'T EVEN BELONG TO ME. THESE ACCOUNTS ARE UNAUTHORIZED AND I DID NOT BENEFIT FROM ANY ONE OF THESE INACCURATE ACCOUNTS. NO ONE HAD FIRST HAND KNOWLEDGE OF THE ALLEGED ACCOUNTS THAT DON'T BELONG TO ME. THIS INACCURATE CREDIT REPORT IS UNFAIR AND HURTING MY REPUTATION WITH THE BANKS AND THIS IS HURTING MY CHANCES AT GETTING A MORTGAGE.
Product: Student loan

This is in regards to complaint ID XXXX. I had stated I submitted a refund request and wanted to get it processed as fast as possible before the end of XXXX. I accidentally put my brothers info sense it saved in my phone but I am the person who is submitting the complaint.
Product: Consumer Loan

What Happended My wife and I have an auto loan from American Honda Finance Corporation. 
corporation. The CFPB and the DOJ recently resolved an action with American Honda Finance Corporation. The action stated that XXXX borrowers were paying higher interest rates than white borrowers. Honda was required to pay {$24.00} XXXX in restituion to affected borrowers. My wife is XXXX. When is CFPB going to send us our portion of the settlement?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I enrolled in a consumer credit reduction plan. I have two accounts with American Express that I enrolled in the plan. American express denied my enrollment of their products in the consumer plan because they claim I have a XXXX dispute on my account. I called them and they got me on the phone with Customer Service. The customer service agent verified that they could see that the XXXX dispute should not be on my account. The credit management representative assured me that this would be escalated to his supervisors and that it would be removed from my account. A week later I called into check on the status and was told the dispute still had not been removed. I refused to get off the line until I spoke with a supervisor. This supervisor again got american express customer service on the line and they verified that the dispute was their fault and was not correct. The customer service supervisor assured me that she had fixed this error while we were on the phone. She told me it could take two days to show up in their system. I called in two days later and sure enough it was not fixed. I asked to speak with a supervisor again and he assured me that it was moving through the process but that it still wasn't showing up in the system. Almost a week later I called in again and the dispute is still not fixed. Until this dispute is taken off my account I can not enroll these accounts in the debt management program. I have had to pay extra interest and fees because American Express is taking so long to fix this error. I have spent hours on the phone and they tell me a supervisor will return my calls and they don't. It is ridiculous that they can not quickly fix this error so that my debt management account can be complete. I am so frustrated that they keep telling me it's taken care of and it is not. I feel helpless.
Product: Money transfer, virtual currency, or money service

Upon checking my Paypal account on XX/XX/24, I found my entire account balance of {$31000.00} had been transferred to an unknown XXXX XXXX XXXX account without my knowledge or consent. 

Paypal claim concluded this was consistent with my history, in spite of this XXXX XXXX account being added and deleted in my account. I have never transferred to XXXX XXXX before, nor do I have consistent transfer of this magnitude and my balance has NEVER been transferred to XXXX prior to this transaction.
Product: Credit card

Apple Card and XXXX XXXX advertised in XX/XX/year> that they would give {$150.00} to new cardholders that were approved and spent {$1000.00} within 90 days. I never got the {$150.00} promotional offer. Still today, XX/XX/year>, nothing. 

I applied, got approved, and spent well over the {$1000.00}. I contacted XXXX XXXX and it took them over a month to respond but they said to contact XXXX. I messaged Apple Card and their response wasnt very clear at all. I just want to know why I did not receive the {$150.00} offer.
Product: Credit card

I have a balance transfer card with Bank of America with XXXX balance transfers at a promotional rate of 0 % APR. XXXX balance of $ XXXX where the promotional rate expires XXXX/XXXX/XXXX and XXXX balance of $ XXXX where the promotional rate expires XXXX/XXXX/XXXX. I was under the impression that payments would be allocated to the balance that the promotional rate expires first. However all payments are being applied to the balance with the expiration date of XXXX/XXXX/XXXX. Therefore my balance of $ XXXX will start having interest applied even if I have made enough payments to cover that balance. I was not informed about this payment application practice on the original contract nor is it detailed on any periodic statement. I would not have transferred either balance nor entered into the contract with BOA had I been presented this information. I feel like I did not have all of the relevant and material information presented to me prior to consummation of the contract.
Product: Credit card

Below is the essence of my complaint, extracted from a letter I wrote XXXX XXXX CEO of Citicards, division of Citigroup. 
I am writing to you about the usury -level interest rate Citicard is charging me. 
My interest rate prior to and including XXXX was 10.46 percent -high enough -- For some reason, I do n't recall ever giving consent or receiving any information about the change -- my interest rate was raised to % 26.74. Let me say I would never ever agree to an interest rate of % 26.74, which my rate was raised to. 

I am a XXXX, with fluctuating income, and always busy, as XXXX XXXX said " the clock runs faster than the typewriter. '' Despite being busy, as far as I recall I have never missed a monthly credit card payment. I have a good credit rating. I am sure you can produce some document, which was undoubtedly tucked away in a stack of forms saying I authorized the change in rate. Let me say unequivocally, I do n't recall ever authorizing or agreeing to an interest rate of 26.74 % -- again that is usury. Just now -- XXXX XXXX, XXXX -- I noticed the high interest rate listed on my monthly statement -- portion of that statement is enclosed. 

I want my interest rate reduced to the original % 10.46 certainly a highly profitable rate for CitiCard. Let me quickly say, a banker friend of mine said of the cost of money over prime and its impact on banking- loan business. " At 1 % I loose money, at 2 % I break even, and at 3 % I make money. '' On XXXX XXXX, The XXXX prime rate was listed at 3.75 % .. 
Here is what I want : 1 My credit card interest rate lowered back to its original % 10.46 2. A refund of all the excess interest I was charged from XXXX, that is all money I paid above % 10.46. 
3. An explanation why my interest rate was raised. 
4. Copies of any alleged documents that I signed or agreed to raise my interest rate from % 10.46 to % 26.74
Product: Credit reporting or other personal consumer reports

I sent letters to the credit bureaus over 30 days ago, matter of fact it's been over 45 days since I have sent in my letters letting them know that there were inaccurate accounts on my credit profile that were not authorized. I was impacted by the XXXX data breach and I feel like my information got into the wrong hands. I sent in my dispute on XX/XX/year>, almost XXXX months ago and still no response. I feel like I am being taken advantage of and that my issues are not being handled seriously. According to the FCRA any inaccuracies on a credit profile must be removed immediately. If this isn't resolved I will be forced to file litigation. Thanks for your help with this manner
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending documents to the Transunion since XXXX, asking to delete a fraudulent account ( XXXX ) that should not be on my credit report and all they been replying is that the documents I sent did not look like it was sent by me, however, with those same documents they received from they were able to verify my identity to delete other incorrect items on my report. It has been well over 60 days and they have not respond this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX 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

I am writing in response to Experian 's failed attempts to correct the issue via email and demand that they make the necessary changes to correct inaccurate information that has prevented access to my credit profile for over 24 months. 

I am requesting that Experian have any variations of the above removed and my access reinstated and comply with the Fair Credit Reporting Act, under Section 607, Experian must ensure maximum possible accuracy of the information contained in my report. 
As of today, Experian has not complied with this under-provision of 15 USC Section 1681i of the FCRA. 

They have prevented me from accessing and denied all attempts to access my account. 

All requests via, voice, mail and email have been denied
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent transunion numerous certified letters since XX/XX/2020 about inaccurate credit inquiries on my credit report. The most recent letter dating XX/XX/2020 was returned already by a letter by them stating that they could that my two forms of ID i sent them were unacceptable which is a stalling tactic once again by TransUnion. They were sent my Drivers License and Social security card which are two acceptable forms of ID with the certified letter that was mailed to them.

They have failed for the past 5 months to validate any of the disputed items on my credit report and they are still continuing to illegally report inaccurate info on my credit report. TransUnion has sent me no proof that I initiated any such inquiries, nor written authorization and have failed to provide any permissible purpose.
Product: Checking or savings account

I was a loyal customer from Chase Bank for 6 years and for no reason that I can think of they closed down all my accounts my checking saving and all my credit card accounts
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion of certain information in my file, as listed below. Unfortunately, I have fallen victim to identity theft and did not make these transactions. As a result, I am seeking to correct my credit report to reflect the accurate information. 
I have reported this incident to the Federal Trade Commission and have attached a copy of the XXXX XXXX XXXX provided by the FTC. I kindly request that you delete these items from my file as soon as possible to ensure the accuracy of my credit report. 
Please expedite this request, as I am eager to rectify this situation and protect my financial well-being. 

I am requesting that you take immediate action to block the following alleged accounts, as I have not received goods or services as a result of these transactions. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am requiring that a senior executive certify under penalty of perjury that goods or services were indeed received. Failure to comply with this request may result in legal action against your company, including claims for willful noncompliance under 616 ( 15 U.S.C. 1681n ) and negligent noncompliance under 617 ( 15 U.S.C. 1681o ). I intend to pursue all legal remedies available to me to enforce my rights and recover any damages I may be entitled to under the FCRA.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. the XXXX XXXX
Product: Debt collection

There is an account reporting on my credit report that does not belong to me. Resulted from identity theft. Police report filed with XXXX PD report id # XXXX