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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

National Credit Adj. Dear Sir/Madam, I am writing to formally demand that you cease and desist all communication with me regarding this allege debt. Referenced under account # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly, allowed by law ( such as notification of legal action or final settlement ), will be consider a violation of federal law, and I will take all necessary legal action to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DP OF EDUC ( XXXX ) - ( XXXX ) XXXX U S DEPT OF ED/XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - XXXX XXXX ) XXXX U S DEPT OF ED/XXXXXXXX  ( XXXX ) - ( XXXX ) XXXX DP OF EDUC ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/2022 XXXX ( XXXX ) - ( XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/2022
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 16811 ( 5 ) and Failure to Remove Inaccurate Account Information.

Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 16811 ( 5 ) of the Fair Credit Reporting Act Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$5200.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 16811 ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act, I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Payday loan, title loan, or personal loan

I got a payday loan of {$100.00} in mid XXXX from XXXX XXXX I tried to tell them I lost my job due to some XXXX XXXX problems. And I am trying to get the money to pay it back. But need more time they said it is okay then the next day I got a call from the saying if I dont pay it back I will have a warrant for my arrest and will be picked up by the police the next day which has been a day already and no police. Then after that they had someone call and left a voice mail on my phone saying they where calling from a district general attorney office in XXXX so I looked up the person name and that person does not have a office in XXXX they have a office in another state and when I try to call that number back it says it is a non working number.
Product: Credit card or prepaid card

I was trying to log in to my CHASE credit card account. I was redirected by a page saying i was logged out due to a security issue. I was directed to call a XXXX # and was then speaking with someone regarding a charge to my account for a purchase for {$200.00} on XXXX. 
I HAD NOT MADE THIS PURCHASE so I continued to listen to how to get the money refunded into my account. 
Then another charge was made TO MY CREDIT/ DEBIT CARD ; this was for {$300.00}. I was able to see these transactions and thought the were illegitimate charges. while following directions he took over my pc, but " accidently '' returned {$3000.00}, not {$300.00}. When this happened I told him to just refund what I was owed and be done with this transaction. He told me I could not do that, I would have to go to XXXX or XXXX and get debit cards to pay them back the $ I was given by mistake. I told him I was not able to go to the store for this and he got mad and I told him I would not be going and hung up! My computer is still trying to update with his scamming program. I do not know how to stop it. I turn off the computer when it starts " updating '', but it is still doing this. 
I have contacted CHASE and they are replacing my card, but not sure which accounts they may have gotten into. I actually saw the {$3000.00} deposit in my checking account. It is not there now.
Product: Credit card or prepaid card

I signed up for XXXX credit in-store, made purchases but was never sent a bill. I sent written correspondence to Citi including a copy of the day pass through trackable priority mail to obtain a bill and request I be contacted through US mail. 
When I received my first bill it had an additional {$210.00} in fees and interest. No acknowledgement of my correspondence. 
I called Citi on XX/XX/XXXX and was told by agent XXXX that I could pay the amount of original purchase, {$210.00}, and another department would investigate the issue and get back to me but it could take some time. I trusted this agent and paid this amount while on the phone. 
On XX/XX/XXXX I received my second bill with a due date of XX/XX/XXXX ; again, no communication about my issue and this bill including additional fees and interest, and it was late on arrival.

Citi has ignored my correspondence, purposefully did not reply via US mail as requested and knowingly told a falsehood on the one phone call to intensify their late fee amounts. All verifiable. Citi has still not sent the physical card.

Citi has damaged my credit. 
I sent a {$270.00} check to settle this account including any new fabricated charges, fees or interest has been sent to XXXX in XXXX KY lockbox/processing center with proper form and a copy of this letter. This created a credit balance of about {$11.00}, although the last bill they sent does not include this payment. 
Through certified mail I directed Citi to immediately close all accounts related to me, XXXX XXXX They refuse close my accounts, and insist if I do not call them I will incur an additional {$250.00} fee.
Product: Credit reporting or other personal consumer reports

I recently reviewed again Experian, XXXX and XXXX my credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX - {$430.00} XXXX XXXX - XXXX - {$860.00} XXXX - XXXX - {$6300.00} Department of Education - XXXX - {$170000.00} XXXX - XXXX -- - {$2500.00} XXXX  XXXX XXXX - {$5500.00} In according to the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I have a right to privacy and the right to determine what information is personally released about me. I have tried several times to remedy this the companies directly through email and XXXX Mail. This company continues to publish information that is false and hurting my ability to live a lifestyle with the similar privileges of my peers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my TransUnion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OHIO DEPT OF HUMAN SERVICES : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 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

On XXXX XXXX 2016 I received a letter from Creditors Bureau Associates XXXX, Collection Division.I have attached all paperwork showing this bill was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account XXXX XXXX XXXX/XXXX Account # XXXX XXXX XXXX Account # XXXX US DEPT ED. 
Account # XXXX XXXX XXXXXXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 states I have a right to privacy 15 U.S.C 1681 section 602a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, XXXX, Experian ) PLEASE!!! **They keep closing and reopening XXXX accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these XXXX accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and experian and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 


Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

American Express has not been transparent or truthful in providing accurate interest across Promotional balances. I 've asked for evidence of this throughout the course of the timeline of the account being open. Instead of providing a balance sheet with interest calculated per charge, they just claim that putting just the Interest that I owe on the statement is enough to go off of. This is very concerning, because it 's easy for human beings to stand by something that a computer is clearly displaying. American Express representatives do not see how calculations of interest are being accumulated. They just see what I see on my statement, which is just a total interest amount. 

I 'm not convinced that the interest they claim is being calculated is always 100 % accurate, according to how Credit Card laws specify what is proper procedure for calculating interest. Many representatives just claim that American Express has been in business for many years, so why would they charge incorrect interest. I 'd like to point out the various lawsuits that have happened where American Express was ruled to have been doing just this. I guarantee they 'll " skim '' through this and reply with just their " formulas ''. What they should be providing is full disclosure of each charge and what interest amount became accumulated as a result of that charge. This helps me understand how I can compare my calculations to theirs to see where the disconnect is. I refuse to pay for profitable interest on their behalf either calculated intentionally or unintentionally that is INCORRECT.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian, XXXX and XXXX  credit reports were accessed on XX/XX/2021 as indicated by a hard credit inquiry by XXXX XXXX XXXX XXXX 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via XXXX to the address indicated on the Experian/XXXX  credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICED SERVERAL FRAUDULENT ACCOUNTS REPORTING ON MY CREDIT PROFILE THE FOLLOWING ACCOUNTS ARE FRAUDULENT TRANSUNION : XXXX XXXX Account number XXXX  Date opened XX/XX/XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX XXXX Account numberXXXX  Date opened XX/XX/XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX XXXX  Account numberXXXX Date opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I do not consent to e-OSCAR verification and want an actual living human to read this complaint. I have complained multiple times in reference to my federal consumer rights being violated by Transunion XXXX reporting. I will have attached below Transunion response to one of my complaints stating I need to verify my identification. I have already sent in all the information they needed to verify me and have the receipt with CFPB complaint # XXXX. Also, I have a recorded phone call with Transunion of them stating the received all the necessary documents to verify my identity. I still intend to pursue Arbitration for negligence and federal consumer rights violations Transunion is committing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/2020 Account Balance : {$620.00} These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit card

I applied for a credit card with Wells Fargo. I am an existing customer and have a checking account with them. This was my first time applying for one of their credit cards. I was approved for the card last month, but never received it. However, a bill statement was mailed to me. I called the customer service number on the bill statement and informed the rude representative that I never received the card. I have since moved from my old address and all my mail has been forwarded to a XXXX XXXX XXXX This XXXX XXXX is listed as my mailing address for the bank. I have received my mail from the bank without issue to the XXXX XXXX XXXX I verified both addresses with the representative, but she just rudely kept cutting me off and asking to change my address when my mailing address was already clearly on record. The conversation was difficult, and I elected to end the call and start over. I suspect this first representative placed a fraud alert on my account because when I called back, the second representative stated that he could not issue me a replacement card and I was transferred to a fraud detection department. I asked the fraud detection agent if it was normal practice for customers to have to speak to the fraud detection department to request a replacement card. I felt like I was being interrogated by the police for a credit card that I never received. The agent was not going to issue me a card unless I submitted to his interrogation. I was not reporting any unauthorized transactions and there was no activity on the account because I never received the physical card. I subsequently decided to close the account. I believe Wells Fargo routinely engages in discriminatory practices with certain groups of people. It has become abundantly clear that they are not interested in doing business with XXXX customers.
Product: Checking or savings account

I have previously filed two complaints on this issue ( XXXX and XXXX ), which dates for XX/XX/2021. As I explained in detail in those complaints, I inadvertently deposited a pension check issued by Fidelity meant for IRA roll-over in my Cap One Account. CApOne never should have accepted the check for deposit as it was made out to XXXX XXXX XXXX ( for benefit of ) XXXX XXXX. I immediately called for reversal of the CapOne deposit in late XXXX. It took repeated calls to get the funds reversed and they finally were in late XXXX. However, the funds were never sent back to Fidelity the check issuer. As I have detailed in my earlier complaints, I have spent hours on the phone with Cap One, called with a Fidelity rep on the phone, sent Emails to the CapOne contact person and called their office of the President. The CFPB responses have not rectified the problem. While the funds have shown as reversed from my Cap On account since XXXX, they have still not been returned to my Fidelity account. In the last response Cap One claims that they have finally reversed funds to my Fidelity account on XX/XX/XXXX. As of today, Fidelity has no record of the funds coming back to my account. I have again attempted to contact " XXXX '' at the Cap One " Office of the President '' -- I called again today ( XXXX ) and left a message. I have attempted to contact her over a dozen times since her first letter of XX/XX/XXXX and received no response. Cap One customer reps have also tried contacting her while I was on the phone with them to no avail. Also note that these are pension funds that should have been deposited in a roll over account but can not be due to Cap One 's incompetence.
Product: Debt collection

XX/XX/2018 XXXX XXXX has threatened lawsuit and legal action with a law-firm called " XXXX XXXX '' for a personal loan of XXXX. Outstanding balance is XXXX despite payments before account went default and original amount was smaller. Credit is significantly damaged and Im forced into bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a letter from XXXX XXXX stating that they have removed a bankruptcy from my file. I have already disputed this with XXXX, Equifax, and XXXX and it came back verified. This would mean that a proper investigation was not conducted which is a violation of my consumer rights and I have a right to sue. Please see attachment for details.