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

In response to the two previous complaint numbers, XXXX XXXX, that I, XXXX XXXX XXXX have filed against TransUnion, in which you claim I am not an authorized party on the complaint. 
As a result of your continued stall tactics in your attempts to disregard the law and not investigate my complaints in a timely manner, I have to advise you of the following. If you continue violating my consumer rights, the next complaint will be complimented by a legally binding FCRA 616 and FCRA 617 Statement of Affidavit, outlining the compensatory damages that I am owed as a result of your non-compliant behavior and violation of my consumer rights. 

Thank you and God Bless My name is XXXX XXXX XXXX. I am submitting this complaint in good faith on behalf of myself and no other individual. 

Accounts showing erroneous reporting patterns or unverified XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  XXXX TOTAL VISA # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. On XX/XX/XXXX, TransUnion XXXX XXXX responded to my CFPB complaint with illogical, erroneous and incoherent account activity. I have attached a copy of such FCRA non-compliant account history to this CFPB complaint 2. On XX/XX/XXXX, I sent TransUnion a copy of such non-compliant FCRA reporting errors which I specifically pointed out the gaps in reporting activity or lack thereof. I also pointed out in clearly defined terms of the inability of Transunion to provide me with clear proof that they have conducted a thorough investigation into the validity of these four accounts.Suchdocumentation was received by Transunion on XX/XX/XXXX. XXXX. TransUnion responded to my dispute on XX/XX/XXXX and XX/XX/XXXX by sending me virtually no changes to the reporting of these accounts nor did they follow FCRA guidelines and delete these accounts 4. I have attached proof of these reporting errors along with XXXX receivable documentation. Note : XXXX XXXX XXXX XXXX - TOTAL XXXX # XXXX hasn't reported since XX/XX/XXXX, and XXXX  XXXX XXXX XXXX XXXX XXXX has reported unknown activity on XXXX, XXXX, XXXX, XXXX and XXXX, XXXX yet both accounts still appear on my credit report as active accounts. This does not in any way satisfy FCRA guidelines. There's no way for TransUnion to verify, nor can they explain the gaps in reporting activity. Please delete both accounts immediately.
Product: Credit reporting or other personal consumer reports

My consumer report has false information that is portraying my ability to manage credit incorrectly. This is both fraudulent and not 100 % accurate, which is a violation of my rights under FCRA.
Product: Debt collection

Insurance paid this bill my copay was {$150.00} which I paid at the time of the hospital visit. Numerous phone call to the hospital has returned the same results that I do not owe any money.
Product: Credit reporting or other personal consumer reports

I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company.

I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? 
I will once again list the inquiries in need of investigation : XXXX Inquired on XXXX XXXX, XXXX, XXXX Inquired on XX/XX/year> and XXXX XX/XX/year>.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, the XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at cavalry portfolio services on XX/XX/XXXX under the account number 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. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple letters to Transunion and XXXX about account XXXX Funding submitting a collection account for an amount that I had to contract with them to being with. Letters were sent via certified mail XXXX/XXXX/XXXX and also XXXX/XXXX/XXXX. I asked them to give me verification with my SIGNATURE and contract on file with them. The only they have sent back to me was a bill which was not with them to begin with. According to the FCRA when asking for validation for an account it should be sent with my SIGNATURE and it has not. While looking at my credit report XXXX is listed at 2 different addresses with one in the state of South Carolina, the other Nevada.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  did and hard inquiry on my acct when i only did a pre qualify the website says no impact to credit but they did a hard inquiry which made me lose XXXX points
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get 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 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 reporting, credit repair services, or other personal consumer reports

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX  Balance : {$230.00} XXXX XXXX XXXX  Balance : {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has violated my right to privacy by furnishing my personal information as well as information in regards to any account I may have without my prior consent. I never gave Transunion permission to furnish any of the information on my report. They have took it upon themselves to harm my credibility, furnish damaging items on my report, and has made it impossible for me to sustain a positive image. I have tried numerous times to get this situation fixed. They have violated several federal laws under Fair Credit Reporting Act. The main being 15 USC 1681b, which states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates '' I never entered into a contract with TRANSUNION giving them permission to furnish any information on me. Also, Pursuant to 1681a ( 2 ) ( B ) - if a transaction was authorized by your social security card, the real credit card first defined understand the Truth in Lending Act, this transaction must be excluded from your consumer report.
Product: Checking or savings account

On XX/XX/2020, I saw these fraud transactions which are not mine. I have been calling Chase Claim service since then, but they keep me on hold and no one answers me. I claimed online for these transactions, and got Claim # XXXX. On XX/XX/2020 I received a letter from Chase that these transactions are not fraud. Please investigate this case again, because I did not authorize, I think my online banking was hacked, the same time five transaction were made. two of them were rejected by chase, other three transactions were completed.

From Chase business accounts was fraud two transaction XX/XX/2020- {$650.00} and {$480.00}. 
From Chase individual account was fraud one transaction XX/XX/2020- {$1000.00}. 
Please refund my money. 
Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit and XXXX are reporting fraudulent accounts on my credit. These are NOT my accounts. I didn't open them, nor did I authorize anyone else to do so on my behalf. I am requesting that they are removed from my credit. Please note attached- I have filed a Federal Trade Commission report and my Driver License
Product: Mortgage

Mr. Cooper, my mortgage servicer, debited my escrow account on XX/XX/XXXX in the amount of {$1400.00} to pay for my property insurance premium. 15 days later I started receiving notices from the property insurance company ( XXXX ) that my policy was in a cancellation status for non-payment. On XX/XX/XXXX, I spoke with a representative from XXXX they advised the payment that was issued from escrow on XX/XX/XXXX was still not received. I spoke with a representative from Mr. Cooper 's insurance processing center and she advised a batch payment was sent on XX/XX/XXXX and it should have cleared. She advised to give it another week and see if the payment will clear. On XX/XX/XXXX, no payment had posted to the property insurance and I spoke with Mr. Cooper again, the rep issued a payment in the amount of {$1400.00} to XXXX XXXX and advised she would issue a stop payment on the original XX/XX/XXXX payment. On XXXX, again I spoke with Mr. Cooper as XXXX payments in the amount of {$1400.00} have been debited from my escrow account. The rep on XXXX advised a stop payment was never complete, she completed the request and advised XXXX business days for processing. On XX/XX/XXXX, I again called Mr. Cooper as there are still XXXX payments of {$1400.00} debited from my escrow. After explaining the situation and being advised there is nothing she can do, I requested to speak with a XXXX. I was placed on hold and then disconnected on after XXXX minutes. Again on XX/XX/XXXX, I called back and spoke with another rep and was advised that they need to reissue the stop payment and wait another XXXX days. I requested to speak with a XXXX, yet again, and was put on hold for another XXXX minutes and then advised there is no one to speak with.
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 Account # XXXX has violated my rights, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act these accounts has violated my rights. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions.

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

15 U.S.C. 1681C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the follow items of information any other adverse item of information Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy Here is the account I am asking you to verify is accurate. XXXX XXXXXXXX XXXX  # XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

**Subject : ** Formal Dispute of Inaccuracies in Credit Report To Whom It May Concern, I am writing to formally dispute inaccuracies present in my credit report, as protected under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. It is my firm belief that the following account has significantly violated my consumer rights regarding accuracy, privacy, and confidentiality. 
**Account Information : ** - **Account Name : ** Santander Consumer USA - **Account Number : ** XXXX Upon reviewing my credit report verified by your agency on XX/XX/year>, I identified several discrepancies that were not rectified, which include : - Inaccurate dates of last activity - Inaccurate instances of days late - Inaccurate payment history All discrepancies have been clearly highlighted in red, with the payment history circled in blue in the attached documentation for your reference. 
In accordance with 15 USC 1681 ( e ) ( b ), consumer reporting agencies are required to implement reasonable procedures to ensure the utmost accuracy of the information contained in their reports. The continued verification of these inaccuracies, despite my previous disputes, constitutes a clear violation of my rights under 15 USC 1681i. This section mandates that if an item is deemed inaccurate, incomplete, or unverifiable after a reinvestigation, it must be promptly deleted from my credit report. Furthermore, under 15 USC 1681s-2, it is unlawful for any entity to furnish information to a consumer reporting agency if they are aware or reasonably should be aware that the information is inaccurate. 
The persistence of these inaccuracies not only contravenes legal obligations but also severely impacts my consumer rights and financial standing. Therefore, I hereby demand the immediate removal of the aforementioned account from my credit report. 
Please be advised that I am prepared to pursue legal action for {$1000.00} for each identified inaccuracy, in accordance with the FCRA, specifically citing violations of 15 USC 1681i and 15 USC 16815-2. 
Thank you for your prompt attention to this urgent matter. I expect a swift resolution and appreciate your cooperation in rectifying this issue without delay.
Product: Credit card or prepaid card

I was paid direct deposit. I can't be exact on amounts because later that day I was blocked. I was charged {$90.00} something dollars for i don't know what. No paperwork and no answer from NetSpend. Then my wallet was stolen and debit card used for overdraft, {$100.00} something dollars, then my account was blocked from even viewing my statement. I was to receive a refund from XXXX XXXX for XXXX XXXX  i never received and was told i would receive a check via mail. NetSpend says they never got it but I have the transaction report from under armor saying that they did. I'm out {$150.00} for whatever reason. I've requested statements and reasons but nothing but the generic response of we'll get back to you by such and such date but they haven't once. I needed that money then and even more so now. I live paycheck to paycheck and am unable to catch back up with the late fees im accruing for no reason.
Product: Debt collection

On XX/XX/XXXX, I was rear ended. From there the vehicle was totaled out. I contacted the lienholder and inquired about GAP Insurance. I was told I did not have that. After reviewing my contract I did in fact have GAP coverage. The lienholder only removed approximately {$800.00}. After questioning them why they told me that is how it works. I advised my contract stated otherwise. After pulling my payment ledger and matching it with my bank I realized that 3-4 payments that were taken from my bank were never posted. Also, I had gotten behind on the loan. While the in fact did work with me they did not advise me because I was on a payment plan that they would be reporting to the credit bureaus that I have not made payments. Actually, they have reported that I have not made any payments to them throughout the entirety of owning the car. When in fact I have. They have completely ruined my credit and are now looking for a balance of over {$2000.00} which should not be owed since I had GAP Insurance and XXXX. So not only are there missing payments never posted to my account, they ruined my credit by reporting no payments made and also have me on the hook for over {$2000.00} when I had XXXX and GAP coverage. I have made several attempts to get answers regarding the matter and I have been treated very poorly and not one customer service member is willing to help. I reviewed their pay ledger to my checking account. They charged over {$800.00} in late fees when I was on a payment plan and was never advised I would receive late fees. Also, when the car was totaled they showed a past due balance on my online account of over {$2000.00}. They had not been posting any payments made all year. They received a check for over {$5000.00} from the insurance company. Once that check was posted they were still showing a past due balance of almost {$400.00} which did not make sense as 1. The past due balance prior had not reflected any XX/XX/XXXX payments and 2. They received a check for over {$5000.00}. I can not purchase a new vehicle since they reported to the credit bureaus that I have not made any payments. In the year XX/XX/XXXX they reported that I had not made 5 months worth of payments when in fact it had been only 1 month. In XX/XX/XXXX they reported I had not made any payments when I had actually made every payment. I borrowed {$11000.00}. In the 3 years of having the vehicle including late fees and the insurance check from the damaged vehicle they have received {$14000.00}. They removed {$830.00} in GAP insurance when my contract states if the vehicle is lost due to theft, confiscation or destruction you WILL NOT owe the difference. I am unsure of where to turn as I have received no help or guidance from their company. Any assistance would be greatly appreciated.
Product: Checking or savings account

Simple Bank failed to issue {$250.00} account opening bonus for depositing {$10000.00} upon enrollment. Simple also failed to investigate and credit account for unauthorized charges from XXXX for {$190.00}. Simple Bank required significant contact with merchant only to deny claim not once but twice. I did not sign receipt agreeing to pay and merchant simply wrote N/A where signature required. Contacted merchant several times and merchant refused to answer phone. See attached call log. Further, Simple Bank may be affiliated with the XXXX XXXX  ( XXXX XXXX  ) XXXX in Utah, Arizona, and Oregon.
Product: Debt collection

At the beginning of XXXX, the Army and Air Force Exchange Service ( AAFES ) informed me that my credit card debt of {$5000.00} would be turned over to a collection agency, XXXX XXXX XXXX, if not paid. Consequently, they initiated the garnishment of 15 % of my Social Security XXXX payments, approximately {$340.00} per month. This garnishment began around XXXX or XX/XX/year> and has continued through today, XX/XX/year>. 

However, AAFES has not reported these monthly payments to the credit bureaus. Despite filing three separate disputes to ensure these payments are accurately reflected on my credit reports, they have not complied. Notices from the U.S. Department of the Treasury confirm that these payments are indeed being garnished monthly, reducing the debt to {$2200.00}.

I request your immediate attention to this matter to rectify the reporting discrepancy.
Product: Credit reporting or other personal consumer reports

I have requested Experian to fix incorrect reporting for the XXXX and XXXX accounts since XX/XX/XXXX. They do not fix the accounts and push the dispute through without EVER providing the evidence of the account being derogatory. The accounts are reported incorrectly. 

The companies have sent Experian updated In Good Standing information to Experian in XX/XX/XXXX. As of today, Experian is still reporting inaccurate information. This is a violation to the Fair Credit Reporting statute.

I have submitted a complaint about their neglect to update the accounts. Their response to open a dispute for me tells me that they did not open the PDF attachments in my complaint. The letters confirming the accounts were updated with Experian by XXXX and XXXX are attached to the complaint of Experian 's misuse of my report. I will also attach them today.
Product: Student loan

I currently have federal student loan debts through Navient. During the CARES act it appears I was charged interest on two separate occasions ( {$1.00} on XX/XX/2020 and {$1.00} on XX/XX/2020 ). While I know the aforementioned amounts are very small I am confused as to why I am being charged interest and curious if there are other people Navient has charged interest to during the CARES act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX Account Number : XXXX, and XXXX  XXXX XXXX Account Number : XXXX, have violated my rights as a consumer. 

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

Current- Its an App/debit card for teens XXXX XXXX All transactions wired to a XXXX for XXXX at XXXX XXXX  XXXX at XXXX XXXX XXXX at XXXX Deposit from my XXXX sat XXXX for XXXX I cancelled that XXXX at XXXX ( all happening as I was chatting with CURRENT ) XXXX at XXXX. They also hacked in and called me from a number listed on the internet as CURRENTS contact number. They changed my account to be there phone number and their email. In fact CURRENT as of today XXXX still had their email on file and not mine even though I have changed it many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$0.00} ; XXXX XXXX