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

I contacted TransUnion Consumer Solutions in regards to identity theft I am experiencing and they have failed to follow the law. Pursuant to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, this company is in clear violation of the law and needs to be held accountable. It has also been longer than 4 business days since my request was delivered to them. They also sent a letter stating I failed to verify my identity but I will include the extensive documentation that I also provided to them that I sent in a packet via USPS certified mail tracking number XXXX. My identity theft affidavit was also notarized at the local sheriffs office. Please see attachments! I will also be contacting the Better Business Bureau and my states Attorney General in regards to this violation of the law that this company have committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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 XXXX XXXX XXXX. 

XXXX XXXX XX/XX/XXXX {$65.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$570.00} XXXX XXXX XXXX XX/XX/XXXX {$230.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$140.00} XXXX & XXXX XXXX XX/XX/XXXX {$0.00} XXXX USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom may concern, I would like to know how are you verifying these accounts when there have been several of data breaches with XXXX, XXXX, and others. Due to these breaches I have grounds to class action lawsuits which I prefer just to get the items deleted. Also humans in the flesh can not have accounts ONLY accounts stated and ONLY businesses can have accounts. Please remove these accounts immediately due to they are illegally reporting on to my report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX 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 XXXX
Product: Credit card or prepaid card

I transfered {$4100.00} from another pepaid card to my Bluebird account on a Sunday afternoon XX/XX/2020. I woke up today XX/XX/2020 to 2 e-mails. The first 1 said my deposit posted to my Bluebird account but 30 minutes later I got another e-mail saying that my account was suspended. I called customer service and all they would tell me is that I needed to send a letter to a P.O. Box in  Georgia and ask for my money. That is all the money I have on that card and I don't have time to wait around for letters to go thru. I am currently looking for a place to live in a new city and I am staying in a hotel. This hotel has that card on file. Customer service wouldn't even tell me why my account was suspended. I really need my money. I was supposed to give this card information to my job today for direct deposit but now I can't..
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues within the platform. Despite using zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Navient This company has reported 90 day late payments on my credit file. My student loans are deferred. This company has reported this to all credit bureaus and it has had an adverse effect on my credit file. I am requesting for Navient to update all three credit bureaus with 90 day late payment removal
Product: Checking or savings account

Amount paid XXXX Amount XXXX Date XXXX XXXX XXXX date sent XXXX XXXX XXXX number XXXX XXXX XXXX XXXX XXXX I have been unable to contact citibank to trace this payment the account that the funds were deposited it was fraudulent and should have never been sent
Product: Checking or savings account

Wells Fargo Bank has been owe for open fraud accounts. And the around XXXXto XXXX. I had a Checking account & Savings Account. I would like to have some check to see. If I am owe money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$3700.00} Date:XXXX account closed i contacted XXXX- closed paid in full still showing in my credit Date:XXXX  XXXX XXXX- {$740.00} Date : XX/XX/XXXX no action taken i contacted XXXX XXXX- {$2000.00} Date : XX/XX/XXXX No action taken i contacted XXXX XXXX XXXX- {$2600.00} Date:XXXX XXXX XXXX XXXX- {$740.00} i contacted XXXX No action taken XXXX XXXX XXXX- {$5900.00} Date:XXXX  No action taken i contacted XXXX XXXX XXXX {$120.00} Date  XXXX XX/XX/XXXX no action taken i contacted
Product: Debt collection

Dynamic Recovery Solutions, XXXX XXXX XXXX XXXX XXXX, XXXX, SC. XXXX. XXXX ID XXXX has called XXXX for a person who has not been assigned this number for three years! 

We, at the above phone number, do not know, nor have ever known, the individual Dynamic Recovery Solutions is searching for. We do not have personal or business debt of any kind. 

When contacted ; Dynamic Recovery Solutions states our number will be removed from their calling list. However, within weeks, Dynamic Recovery Solutions resumes calling in search of someone not associated with our number or residence.
Product: Credit card

Hello, My name is XXXX XXXX. My complaint is with the company comenity NFL card through Bread Financials. They call me contacted at XXXX. 
On XX/XX/XXXX, I made a phone to the fraud department on two charges that were not mine through a company called XXXX XXXX XXXX charge of {$150.00} and the other charge was {$350.00} dollars. I told the representative that those charges were not mine and to cancel my credit card which they did. The representative told me to allow 90 days to resolve my case. the charges were taken off several days later. Now on XX/XX/XXXX, I noticed the charges were back in place again and called back that day to find out why these charges pop up again. They said that I will receive a resolution letter in the mail to explain why the charges where not taken off. The letter I received said that they were able to find no basis to support this claim. So I can the fraud department again on XX/XX/XXXX to find out and get an explanation on why I was denied. The talk to representative and only could provide that an email was sent and that the delivery was sent to my address. The problem is that they could not provide me the delivery date and tracking number to those items charged. Also i never received an email on XX/XX/XXXX or XXXX of a charge by XXXX XXXX of a purchase.I just upset that there investage did a sloppy and lazy job on my investage and trying to charge me over XXXX dollars with very limited information 's on my case. I would love for you guys to reach out to them about my case,. I still wanting for them to provide me documentation of the transaction which thewy have not so far. Thanks
Product: Credit card

It is my opinion that CitiBank is engaging in XXXX discrimination in at least this instance, both in how a compromised XXXX card was handled, the charges for expedited replacement and approving only {$22000.00} of a requested {$25000.00} credit line increase with income identical to my husband, and credit scores either identical or nearly identical to his. His was granted, mine was not. My husband 's card was compromised on XXXX/XXXX/16 and a replacement card was sent next day air at no charge, without him asking. My XXXX was compromised on XXXX/XXXX/16 and I was told I would receive a replacement card in XXXX10 days. When I asked why my husband 's was sent next day air, I was told there would be a {$6.00} charge for expedited delivery. I elevated the call to a supervisor who was to see it would be sent at no additional charge. After contacting CitiBank subsequently about the discriminatory {$6.00} charge and demanding that it be removed as an error and not as a courtesy credit, it ultimately was removed as a courtesy credit. Evidently, CitiBank felt it could properly discriminate by charging this {$6.00} fee and correcting it as a " courtesy '' rather than as an error as requested. I requested a credit line increase on, or about XXXX/XXXX/16. My income is identical to that of my husband and the attached XXXX scores for each of us as of XXXX/XXXX/16 show mine at XXXX and my husband 's at XXXX. The credit scores of XXXX and XXXX for my husband and myself are equal, or essentially equal. Ages are the same, the only significant difference is XXXX. CItiBank has denied any discriminatory action, but can not explain either the difference in how our compromised cards were handled, nor why my credit line increase request was not fully approved, as was my husband 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : -XXXX XXXX XXXX XXXX # XXXX -XXXX # XXXX -NATIONAL CREDIT ADJUST # XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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 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 reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX [ now XXXX BANK ] has been putting false late payment information [ XXXX and XX/XX/XXXX ] on my car loan listed on my credit report AFTER the car loan had been paid off in XX/XX/XXXX. I have repeatedly given XXXX the information that XXXX XXXX  paid off the car loan to XXXX in XX/XX/XXXX but XXXX has refused to investigate or correct their information. I have even forwarded XXXX XXXX 's email with the particulars of the check ( check cleared XXXX XXXX bank on XX/XX/XXXX ) used to pay off car loan. However, XXXX is NOT correcting the errors on my credit reports. The credit bureaus are still showing incorrect late payment information from XXXX on my credit reports even though I have given them the correct information through the dispute centers. 

This is a violation of section 1681s-2 ( b ) of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. ( the FCRA ) by failing to investigate and correct disputed information relating to customers loan in reports to the credit bureaus. 

[ 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. ] Since the loan was paid off XX/XX/XXXX and XXXX accepted payment by cashing the check [ cleared in XX/XX/XXXX ], XXXX is in clear violation of the above Code.

The Credit Bureaus stated my account was properly investigated but how is that possible if the late payments [ XXXX and XX/XX/XXXX ] are still showing up AFTER the car loan was paid off [ XX/XX/XXXX ] by XXXX XXXX, the date of last active is inaccurately listed as XX/XX/XXXX [ should be XX/XX/XXXX ], my credit reports are showing one 30 day late and one 60 days late [ should be zero lates across the board ], payment status shows XXXX dates late [ should be NO lates ], worst payment status shows XXXX days late [ should be NO lates ] and XXXX showed the account was closed in XX/XX/XXXX [ should be XX/XX/XXXX ]. I submitted the email from XXXX XXXX through the dispute centers so the credit bureaus had verification that the insurance company had paid the car loan off in XX/XX/XXXX [ letter from XXXX XXXX plus they sent me a copy of front & back of check showing check cleared on XX/XX/XXXX. ]
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the 5th time that this has happened. TransUnion has reported incorrect information on my report. I am showing an open loan on my credit that is not mine. It was opened XX/XX/2018 from XXXX XXXX. I spoke with XXXX on XX/XX/18 at XXXX XXXX They confirmed I did not have an account with them and saw another account with a similar s.s. number that was open on the date reported. They said it was a reporting issue on the side of TranUnion. I need this information corrected immediately.
Product: Payday loan, title loan, or personal loan

Mariner Finance did not verify the information, and I was a victim of identity theft. I have on multiple occasions tried to contact Mariner Finance Department to send me information about my alleged loan, but they have just returned a letter stating that it is my loan and I have to pay it. Not once have they verified or provided any applications or copies of a tile of the vehicle? I need them to send me an application with my signature and who got the check, and how that check was cashed. Otherwise, remove this loan from my name and my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought an old car that I paid more than 30 %. 
After one year and an half, i lost my job and we agreed to return the car. 
The car was in the same condition that the one when i bought it. 
They pick up the car with my agreement. 
After several months, i contact them and ask for the details between the remind of the loan and the value of the car that they resold. 
They refuse to answer and ask me to paid the full amount plus extra fees without any value of the car that was a XXXX XXXX SUV working with no problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I froze my son 's credit file with Experian and received today a notice about a dispute resolution for his account, but I am unable to get somebody at Experian to explain to me what the actual dispute was. I suspect identify fraud, but Experian only offer s the option to submit the same paperwork again which does not address the issue.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I went to TCF bank to cash my check. The lobby wasnt open, so I went to the drive through window. The Service Rep sent me a deposit slip so I could deposit some of the check in the bank. She told me to sign it. The check was for XXXX. I was trying to deposit XXXX into my account and pay my overdraft balance of XXXX. The Representative told me I cant get any money until 1 or 2 days later. I left and called the bank consumer line and that Representative told me I would have to wait till Tuesday to get some money. Im not understanding why are they holding it and I went to the bank to cash and deposit money. Ive done this before and this has never happened. Why now and I need my money to take care of my elderly Mom and food.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX several times and it comes back verified. How can it comes back verified when it's reporting different information on all bureaus? Highest balance is different along with last payment. This is a violation of my rights.
Product: Credit card or prepaid card

I paid my balance in FULL on XX/XX/2020, and they did not credit my account until XX/XX/XXXX. The bill was due on XX/XX/XXXX, a holiday. 

I have a ten year history with this company of making on time payments. That means that 120 Payments were made, and they were never late. 

I made the payment in FULL in anticipation of having XXXX on XX/XX/2020, KNOWING I WOULDN'T be dealing with financial issues. 

Because of the vendor mis-crediting my payment as late, they charged me a {$40.00} late fee on a {$0.00} balance. 

As stated, I had XXXX in late XXXX and did not receive my mail, including this {$40.00} late fee. 
Vendor acknowledges that based upon my history they WOULD refund this fee. 

HOWEVER, I did not contact them, until the following month, at which point, they charged me a second {$40.00} PLUS INTEREST, on a {$0.00} balance. 

After spending an hour and a half on the phone, vendor REFUSED to reverse all charges, and holding me XXXX for the {$40.00} payment, saying they would reverse the one if only i paid the second by providing my bank account information. 

I explained that if the ORIGINAL {$40.00} late fee was reversed, there would be no cause for the others, as the balance on my account was XXXX. 

Again, after speaking to several people, including someone who claimed to be a supervisor, they refused to help me. 

At present, they continue to attack my credit, and have racked up additional LATE FEES and interest on a XXXX DOLLAR BALANCE. They are now claiming that I owe them {$140.00} due XX/XX/2020. Starting with NO BALANCE, they have progressively continued charging me more and more each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account information as inaccurate with XXXX XXXX XXXX and Equifax, and they have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, Equifax is obligated by law to remove the item. There is a clear case of unverified debt here. 
If all three credit bureaus verify from the creditor why is it that only Equifax is the only credit agency reporting the false information. 
How is it that Equifax is the only company allegedly able to contact and receive a response from XXXX when they claim that the negative that is mines. I am attaching the original letters sent to both Equifax and XXXX asking for verification. I am also attaching proof of my identity as well as proof that the letters were submitted via USPS and picked up by a representative from XXXX and delivered to Equifax.
Product: Checking or savings account

XX/XX/XXXX {$140.00} and XX/XX/XXXX {$190.00} my wallet was stolen and I reported 2 unauthorized charges to my cash app account XXXX XXXX. They denied my request attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Reporting Agencies have assumed a vital role in society today and are responsible for reporting consumer information to the best of their ability with the maximum degree of accuracy. 
With that said, on XX/XX/2023, I received notification of inaccuracies contained within my Equifax credit report. Specifically, the account ending XXXX from the State of Maine - Department of Health and Human Services - Support Enforcement Division shows late payments were made with inaccuracies in the dates the payments were made when no late payments were ever made to the account. Please investigate these inaccuracies and provide proof of your findings. If evidence can not be provided, I demand that the reporting agency, Equifax, be made to report the account as paid in full as agreed or remove it from my report. 
Thanks for your time and attention to this matter. It is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is still a number of fraudulent accounts on my experian. These accounts in question has not been validated. I reached out to the companies to send me a signed documentation with my signature on the application and its been over 30 days and have not gotten a response. I know for a fact that Experian has not verified any of these accounts accordingly. XXXX is not a proper way of verifying fraudulent accounts. These accounts should not be on my credit report unless given permission. Under the XXXX Law Dictionary VERIFY means : To confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accouuts, petitions, pleadings, and other papers. The word " verify '' sometimes means to confirm and substantiate by oath, and some- times by argument. <P/>XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX are all fraudulent accounts and have not been verified nor validated. No consumer should have to endure such a horrific situation. These accounts was removed and put back on my credit report without the proper method of verification or the proper validation request I sent to each company. Remove immediately!
Product: Checking or savings account

XX/XX/2020, account was closed it was a joint account that i had for a minor. My daughter is now XXXX and I ask for my name to be taken off the account. But my name was not taken off the account. Checks were written not by me and I am being penalized.