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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
TransUnion is reporting old information in which according to FCRA are old accounts and they can be removed from my credit file. I requested via fax again for the removal of the old creditors and the old account haven't been removed. These are this account in which I am asking to be removed from my credit file. Account XXXX XXXXXXXX XXXX Date Opened : XXXX XXXXXXXX XXXX Balance {$8100.00} I am no longer liable for this account. 

Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
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 XXXX : # XXXX 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: Payday loan, title loan, or personal loan

Applied at PNC Branch for Personal Line of Credit ( Application # XXXX ) XX/XX/2019. 
Received letter from PNC bank XX/XX/19 notifying me of credit score of XXXX. 
Underwriters requested my salary and provided it to branch to send. 
Several weeks followed without hearing anything so I contacted the PNC branch. 
They were very professional and each time they attempted to learn status of loan they were given the run around by underwriters. PNC claims it takes 10-15 minutes to obtain a personal loan is misleading. I applied 60 days ago and have yet to get confirmation.of loan. I personally feel this was intentional and after financing auto loan along with credit cards do not plan to bank or recommend PNC Bank.
Product: Credit card or prepaid card

i bought a pre paid card today XX/XX/22 at XXXX in XXXX XXXX tx . i placed XXXX dollars on it when i purchased it. now its saying i can not receive or activate my card nor can i get my money back. the person i spoke with said their is absolutely nothing they can do about it. i sure hope this isn't how yall conduct business.
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 XXXXXXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXXXXXX Account Number XXXX and 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 XXXX 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, credit repair services, or other personal consumer reports

The accounts listed are unknown to me. My information was stolen and I have been complaining for years. SEND ME PROOF OF MY SIGNATURE WITH THESE ACCOUNTS SO I CAN SUBMIT IT AS EVIDENCE OF FRAUD. REMOVE THESE IMMEDIATELY!! 

XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$1200.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$470.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX - XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX Opened DateXX/XX/XXXXBalance {$0.00} XX/XX/XXXXXXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX Opened Date XX/XX/XXXX Balance {$0.00} Bankruptcy Discharged CH-XXXX Reference Number XXXX Amount {$0.00} Bankruptcy Reference Number XXXX Amount {$0.00}
Product: Money transfer, virtual currency, or money service

I was the victim of a scam on XX/XX/2023, as a result of which I made ( under fraud ) 3 transactions totaling {$1000.00}. I called Venmo immediately, even before the money was deducted. They refused to take any action immediately, pushing it off up to 2 weeks. As a result, instead of canceling the transactions and saving me from being a victim of a scam, they let it process and allowed for the deduction. They then wrongfully denied my claim, without any follow up questions or requesting proof. I managed to stop the payments from my bank, but venmo is now holding my account hostage until I pay the full amount ( they also took my venmo balance hostage ). All of this could have been avoided if they took action as soon as I reported it and stopped the money transfer, which is reported within minutes. 
Venmo basically allows scammers to commit fraud, and let 's their customers be taken advantage of. Instead of taking action, they state they will investigate within the next 2 weeks. They could have immediately frozen the scammers account and prevented any loss. They also denied my claim of fraud without a proper investigation. They now hold mt account in arrears and threaten to go to collections, because of their inaction.
Product: Student loan

My son had a private loan through XXXX (naviant) . He died XX/XX/2013. The government loan was forgiven but the private loan was not. They XXXX claim I am the consignor and owe the money. My dispute is that my signature , electronic or otherwise does not appear anywhere on the note. The consignor signature isactually the printed name of my now deceased son. I've been going round and round and told them to contact my attorney several times to no avail. I do not owe this debt nor recognize it as my obligation.
Product: Debt collection

Case number XXXX XX/XX/XXXX / Case XXXX ( XX/XX/XXXX ) AARGON AGENCY was contacted by me on several occasions after I spoken with them & Medicaid Medicaid ask me to contact the medical billing and ask them to contact Medicaid but they choose not too so Medicaid said it's not much they can do if the medical billing won't cooperate first of all I am so upset and so confused my lawyer was the one who represented this case for me it wasn't slipping fall I was on camera the store manager came to my rescue I had witnesses and then I went to the hospital and then now I have all of this all on me I did the right thing I called and contact everyone before I went to collection agency and now the amount changed for XXXX to XXXX so what's next XXXX to XXXX XXXX to XXXX how am I supposed to pay all of this
Product: Credit card

Chase Bank Southwest Rapid Rewards Visa This account was closed in 2023. I have asked several times for the interest charges to be removed from this closed account so that I may pay it off. I'm not in a financial position to pay more than $ XXXX  monthly. I currently have two other credit cards that are closed and I'm seeing the balances go down because they have removed the interest charges so I can repay my debt. Chase has gotten over {$2000.00} in fees and interest and refuse to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dealership XXXX XXXX ( located in XXXX, Fl ) is completely dishonest. They will do anything to make a sale or profit. Even if they have to lie to you. Prior to making the purchase on XX/XX/2023, my husband and sat down with their finance guy XXXX and had a chat with him prior to signing anything and prior to making the purchase. I specifically told XXXX that i'm okay with making the purchase in cash but him and the sales guy XXXX continued to convince me to apply for credit with them telling me I need to build credit and so on. I specifically asked him how my credit would be affected if I decided to go ahead with credit. I told XXXX and XXXX that I will not authorize or give my signature for a credit check if it results in more than 2 hard inquiries on my credit report. XXXX then promised me and assured me that it is only going to be 2 inquiries from XXXX XXXX XXXX and it will NEVER be more than 2 inquiries and I have nothing to worry about and that I should go ahead and sign to authorize him to do the credit check. He assured me of this over and over. I then went ahead and signed. I got home and saw XXXX inquiries on my credit report. He knowingly lied and mislead me for my signature. I gave him a call and he denied it at first claiming that it's only XXXX inquiries and I then told him that I can very CLEARLY see XXXX inquiries on my credit and only then did he finally admit it, claiming that he made a " mistake ''. A few days later, his XXXX XXXX explained to me how the credit check process works and it was pretty clear that he knew what he was doing and it wasn't a mistake. He just wanted to do whatever it took for me to get a loan with them so they could profit. 

After that, their sales XXXX XXXX claimed he was going to make this right and he was going to help me get the inquiries removed. A month later I told him that the bureaus just want a letter from the dealership detailing the mistake and asking to remove the inquiries and that would be the end of this entire situation. But for some reason, at that point he began to deny their mistake and began refusing to assist with the letter to remove the inquiries, and he was claiming that he thinks i'm recording him. Which is ridiculous. I don't understand why they're so worried about fixing this mistake. Why they're paranoid about being recorded even though I was not recording them. Something very shady is going on with that business. That is clear.
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 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, 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: Debt collection

XXXX.filed judgment in court. I sent payment as per agreement for {$250.00}. Company said my payment was only {$25.00} although they had cashed it for {$250.00} from their bank and check had cleared for {$250.00}. They attempted to garnish wages without notifying me and I had to correct error and send them proof of information they had ( ie canceled check and proof of funds ). They blamed my handwriting and said they did not have to notify me of anything. Company representative " XXXX '' never notified me of options such as settlement options which I found out 3 years later I should have received. Caused embarrassment and issues with my employer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an alert on my account from XXXX XXXX  from XX/XX/XXXX I received a phone call from them asking if i needed security i told them i wasnt Interested and the guy was very rude and insisted i hung up on him and next thing i know this was on my credit report
Product: Debt collection

I have been disputing this account for many months, and I'm very displeased about it. National Credit Management still hasn't sent me anything in the mail, their first FCRA and FDCPA violations. They have refused to respond to my mail, their second. They have continued to report the disputed account to the Credit Bureaus, their third. They are flagrantly violating federal laws, they are still reporting this inaccurate account, and they have failed to notify the consumer in any way! DO YOUR JOB! FINE THEM!
Product: Credit card or prepaid card

On XX/XX/2022 I called Citibank to report a fraudulent charge, after which they advised that this charge was happening every month since XXXX so they recommended I cancel my debit card and get a new one. Since this was a Friday I was concerned I wouldn't have access to money the whole weekend but the representative assured me it would be " over-nighted ''. I never received it on Saturday so I called Citi on Sunday, I had to call 3 times before anyone on the other end would respond, it was just silence once I started talking. On the 4th attempt I was told the card was delivered ( lie # 2 ). I then called a 5th time and was told it takes 1-2 biz days so I was lied ( lie # 1 ) to when I was told I would have it over-nighted. On Monday, XX/XX/XXXX, I still didn't receive the card so I called and was told since I didn't receive it I would have to order another card and was told yet again, it would be over-nighted ( lie # 3 ). All this time, I have no access to money and can't do any banking online as access is restricted since I don't have a new debit card. When the 2nd card was ordered, I requested a tracking # so I don't have to keep calling Citi but I never received the tracking. I then called again this morning ( Tues ) to find out when my card would be arriving. The 1st rep left me on hold for 30 minutes so I called back again and asked for a supervisor, she said the card takes 1-2 biz days so once again, I was given misinformation on Monday by being told it would be over-nighted. Now I am demanding a tracking # and was sitting on the phone for another 30 min while the supervisor is trying to get the tracking #. So she insisted she would call me back with the info and I said, I don't trust you will but being I am at work I couldn't hold any longer. She never called me back and I still don't have a debit card or tracking number. Citibank is absolutely horrible, negligent and unprofessional giving all kinds of misinformation. I detest banking with them and I will most certainly be switching banks.
Product: Debt collection

I authorize and give permission for the following company to move forward this complaint. I, XXXX XXXX, is submitting this complaint without the influence of this of third party agency. Please see my full complaint on how the following company, CMRE Financial Services Inc, has invaded my right to privacy and violated HIPPA by purchasing my medical information and created duplicate accounts See attached documents for the full complaint
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX Date of XXXX XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank Name : XXXX XXXX XXXX  Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. Thank you for your assistance. Sincerely, ( XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX timeline of complaint XXXX - Ordered phones XXXX 2020 - Received Phones and activated them XXXX Received Bill dated XXXX and due XXXX for {$320.00} XXXX Returned phones within 4 days after getting them to USPS with the prepaid address label giving by XXXX XXXX XXXX. This is within their 15 days return policy. 
XXXX XXXX XXXX XXXX received the phones. USPS Tracking number XXXX. Signed by Shipping Agent on XXXX. 
XXXX - Called and spoke with XXXX. Told her we returned the phones. Said she would waive the {$60.00} activation fees, and we would only be bill for the 4 days of service. We said fine send us the bill. 
XXXX Instead of just 4 days of service, we received a bill dated XXXX for the full amount of the phones. {$2700.00}. 
XXXX Called and spoke with XXXX. Told her we returned the phones. Said she would credit us for the error. CASE # XXXX XXXX - Received a collection notice dated XXXX from XXXX XXXX XXXX XXXX XXXX for a balance of {$1400.00} XXXX - Called again. Spoke with XXXX. They only credited us for one of the phones that was returned. Said shed take care of it and remove it from collection. CASE # XXXX XXXX Got a call from XXXX XXXX XXXX XXXX XXXX. XXXX with XXXX. 
Said we had a balance of {$170.00}. Apparently for the 4 days of service. 
XXXX Called XXXX XXXX XXXX and spoke with XXXX. Told her we never received any bill for the final balance after all of XXXX XXXX XXXX mistakes. Told her we thought {$170.00} was excessive for only 4 days of service. She agreed to only charging {$32.00} and would take it off collection since it was their mistakes. We made the payment of {$32.00} directly with a credit card with the representative of XXXX XXXX XXXX as requested. XXXX XXXX XXXX XXXX confirmation XXXX XXXX - Received a notice from XXXX XXXX XXXX XXXX XXXX that the collection was paid in full. The XXXX  Report shows that the balance paid was for {$1400.00}. We never owed this amount. 
This should never have been a collection in the first place. I want this removed from my credit report as being a collection as it has lowered my credit score 100 points. 
XXXX filed a complaint with XXXX Report Number : XXXX XXXX Dispute results ready from XXXX  The report still shows this as collection of {$1400.00}. I want it removed. And I want this wiped off my credit report.
Product: Debt collection

XXXX XXXX XXXX, XXXX. has contacted me over XXXX times over the past 3 months in an attempt to collect a previous debt. Each time they have contacted me, they have utilized various phone numbers in efforts to get me to answer the phone. Each representative has been asked to provide me with information regarding my debt to be mailed to me via USPS. I have verified they have the correct physical address where I receive mail. To date, I have received no correspondence from their offices. Today at XXXX I received another phone call from this company. I verbally gave them a Cease and Desist and advised them that Ive been willing to work with them, but just need documentation from them to ensure this is an actual debt. They have failed to provide requested documentation on several attempts, but continue to call. I advised the company today that I will no longer accept any phone calls from their organization until I receive proper documentation of my debt from them via USPS. This is harassing behavior on the companies part, and I have begun to speak with legal council regarding this.
Product: Bank account or service

In response to CFPB Complaint Case number : XXXX Thank you for your response to CFPB Complaint Case number XXXX. However, I am not satisfied with your response. XXXX acknowledged that they engaged in XXXX actions that I consider unfair and predatory. First, XXXX switched the order of ACH transfers that resulted in XXXX charging XXXX Returned Item Fees instead of XXXX. Second, FNBO re-submitted these transfers, without my consent, and after I had already attempted to rectify the issue, resulting in XXXX being able to charge XXXX Returned Item fees instead of XXXX. Despite this, XXXX did not offer to waive XXXX additional XXXX XXXX fee as requested. As a result, I am filing a new complaint with the CFPB and will continue to keep doing so until at least XXXX of the remaining XXXX XXXX XXXX fees on my account is refunded.