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

Hi I am submitting this 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 719transunion has me at a score around 590. 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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX 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 XXXX now XXXX homeless XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX an unauthorized transaction from my PayPal account which resulted in {$1200.00} being transferred to the account of an individual with the following email : XXXX, whom I have no affiliation with. I did not realize this transaction occurred until it was withdrawn from my bank account on XX/XX/XXXX. Once it was realized, I immediately disputed the transaction with PayPal, as well as with my bank. Approximately 4 hours later, PayPal determined that the transaction was valid. I then contacted PayPal via phone to appeal the dispute. After about 15 minutes of appalling customer service, they agreed to open an appeal. While the appeal was being processed, I changed my security settings with PayPal and removed as much payment information as I was allowed to by PayPal. The transaction was also rejected by my bank. Following the rejected transaction, I stopped payment of any further transactions from the merchant XXXX AT PAYPAL. Despite the NSF return, PayPal informed me that, my account would go negative, and I will still be responsible to pay the money back. Meanwhile, while the appeal process was still ongoing, I noticed additional suspicious activity on my PayPal account where security settings were changed from a device I do not own or recognize, I informed PayPal of that information within minutes of realizing its occurrence ( XX/XX/XXXX ), on XX/XX/XXXX, the appeal was closed with the same determination, that the transaction was valid. At my next convenience ( the morning of XX/XX/XXXX ), I contacted PayPal via telephone to attempt another appeal, where I was told I can not appeal the transaction any further and that Im legally responsible for these funds. The customer service representative this time ( XXXX, employee # XXXX ) was excellent, she looked further into my situation and found some inconsistencies, that she would forward to the back office, I have not heard anything further from PayPal. 

The treatment and service I have received from PayPal is horrendous. I have been a faithful customer with them for 15 years and have never disputed a single transaction. The one time I dispute an actual fraudulent transaction, Im essentially called a liar multiple times and am responsible to pay PayPal back for allowing a criminal to steal money from me in a pandemic, where money is already very tight. I plan to file a police report very soon.
Product: Debt collection

I recently reviewed my credit file and identified accounts I dont recognize. I request their immediate removal as they seem fraudulent.
Product: Credit reporting or other personal consumer reports

Fraudulent credit companies pulled my credit report without my consistent as identity theft The Fair and Accurate Credit Transactions ( FACT ) Act ( PDF ) requires financial institutions with covered accounts to develop and implement a written identity theft prevention program designed to detect, prevent, and mitigate identity theft in connection with opening new accounts and operating existing accounts. These Are fraudulent accounts that keep appearing on my ( XXXX Report ) There ARE ( XXXX ) FRAUDULENT INQUIRIES FROM COMPANIES I DID NOT GIVE PERMISSION TO PULL MY CREDIT REPORT IN NO WAY Company : XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XXXX/XXXX/XXXX Company : XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX  Date : XX/XX/XXXX Company : XXXX  Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX  Date : XX/XX/XXXX Company : XXXX  Date : XXXX/XXXX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX  Date : XX/XX/XXXX
Product: Checking or savings account

XX/XX/2023 I made a XXXX payment to what I thought was a legit company. Turns out it wasn't. Called my ( TD ) bank and they said they'd refund me 5-7 days but they didn't. Called today and they said claim was denied. They should have told me that day 1, instead of lie to me.
Product: Credit reporting or other personal consumer reports

Someone opened a credit card with Ally credit and they live in New Jersey and used my information to obtain the card and have quit paying on the card therefore it is affecting my credit causing me to be denied on obtaining a loan which I wanted to purchase something. My home address is in Missouri and I had no idea of the card until I applied for the loan and was denied. I have contacted Ally credit card company and also the credit bureau to inform them of the theft. The date of my loan application was XX/XX/XXXX and the card was initially issued in XXXX of XXXX and they have not paid anything since XXXX or XXXX of XXXX. Ally is currently investigating the issue as of XX/XX/XXXX as well as the credit bureau as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORTS I NOTICED THAT YOU ARE ALLEGING THAT THE FOLLOWING ACCOUNTS ARE NEGATIVE WITHOUT FUNISHING ANY PROOF OF VERIFICATION OF THIS DEBT OR THAT YOU FOLLOWED ALL LAWS AND REGULATIONS TO REPORT THEREFORE YOU MUST REMOVE ALL NEGATIVE AND ADVERSE REMARKS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  was paid electrically on time every month, including my XXXX & XX/XX/2021 payments. XXXX then returned these payments about 10 days after receipt. XXXX  says my XX/XX/2021 payment was not received on time so they destroyed my credit. My XXXX  XXXX XXXX XXXX XXXX 2 official payment transmittals which clearly documented my timely payments, yet XXXX still refuses to remove the late payment from my account. After contacting all 3 credit agencies and submitting the payment transmittals to them the 3 credit agencies will not remove the late payment either. I then sent credit agencies a letter from XXXX XXXX in which XXXX  confirms they received my payment on time but XXXX  and the 3 credit agencies all refuse to correct my account 's payment history. I've spent over 50 hours trying to resolve and filed numerous complaints with XXXX  and the 3 credit agencies and they still refuse to acknowledge my payment was timely and have refused to restore my credit. I have uploaded all supporting documentation which unequivocally proves all my payments were on time.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

Received phone call from XXXX with XXXX XXXX XXXX  XXXX stating that her company bought my original debt from XXXXXXXX XXXX  and I owed XXXX. I set up payment arrangement ( XXXX on XX/XX/XXXX ) and 75 monthly payments since that date. In XX/XX/XXXX I received a letter from superlative RM ( SRM ) XXXX stating that their company bought my debt and I owe them XXXX I then asked XXXX from XXXX XXXX XXXX  to please send me proof of debt which she only offered to do in an email. 

XXXX proof of debt included the whole account number XXXX amount owed is XXXX states that original creditor is XXXX XXXX XXXX XXXX ( the actual creditor is XXXX XXXX  not XXXX ( thats just where I bought the couch ) also the debt letter email has my old address not miss you current one. 

SRM proof of debt letter has only the last four digits of the account XXXX, states I owe XXXX states original creditor is XXXX  and merchant is XXXX XXXX XXXX XXXX. Debt letter has my correct address. Their debt letter also explains that if I contact them within 30 day in writing they will send me verification of the debt or a judgement against me. XXXX email does not state that. 

If SRM is in fact who I owe the money to then what happens to all the money that I paid XXXX XXXX on this account? 

I am unsure of which company to pay or if the debt was double sold? I am unsure who actually owns the debt and have tried calling XXXX  for help on who they sold the debt to but they state that there is no account with them at all? I need help before it goes on my credit report, and help getting my money back if I have been paying to wrong company. 
Thank you for your assistance Please help, Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 
These inquiries in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor they relate to anything I did. I'm unaware of any of these inquiries. 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

in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

5 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
Product: Debt collection

On XX/XX/XXXX, I received a call from XXXX at XXXX XXXX. After she verified who I was, she attempted to collect a debt. I explained that I don't want anymore calls and wanted the debt validated - she refused and said that she didn't have to do that and that I needed to pay the debt. There was yelling on both parts and she disconnected the call. I called back and got her again, explaining that I wanted the debt validated and again she refused, so I disconnected the call. I called back a 3rd time and got the general voicemail box stating that I wanted no more phone calls from them at all and for them to validate the debt and that I was issuing a complaint with the CFPB. On XX/XX/XXXX, I went on their website and stated that I wanted a cease and desist and to have the debt validated. On XX/XX/XXXX, at XXXXXXXX, I received a voicemail message from XXXX asking that I return their call. 

This is in direct violation of FDCPA. I told her on a recorded line that wanted the debt validated and she refused, I left a message on their general voicemail that I want no more calls and on their website and yet they continue to call.
Product: Money transfer, virtual currency, or money service

I found out today through my banker at XXXX XXXX that my credit score has dropped significantly do to an unpaid bill on Apple Card. 
I do not have an apple!! 
I was asked to call the company which I did. 
I informed them that I dont even have an Apple as I never opened an account. They told me that the only way to clear this is to file an identity fraud report either with the police or on the XXXX  site. Then get a copy of the report and mail it to them so they can begin the investigation. 
So as crazy as it may sound I need a copy of this to mail to the company, Goldman Sachs, so they can start the investigation. 
Thank you
Product: Credit reporting

I noticed on my latest credit report a collection account from this company but as of XXXX XXXX I have n't received any communication or verification of this debt
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX was advised this was a issue of their dealer when I renewed my lease, XXXX dealer at XXXX XXXXXXXX XXXX  made a billing mistake and they reported as late payment and never advised me of this issue. please help
Product: Student loan

This is the third attempt to rectify an erroneous report to the credit bureaus by your company. As a result, I have filed a complaint at the CFPB. 
My file is found in your archives/history. 
XXXX AES/XXXX representatives ID # XXXX, have confirmed ( verbally ) that your records reflect a full refund/payoff, however, AES/XXXX continues to erroneously report this account as a Charge-Off to credit bureaus and damaging my credit score. 
AES has verified that : 1. The school issued a full refund within XXXX days and your system reflects account paid in full, 2. I never registered nor attended the educational institution, and 3. This loan was cancelled. 

Please remove this report immediately from all credit reporting agencies, or I will retain an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is the worst card to ever be made in the history of call credit cards. Many people on the island of XXXX and I'm sure many other users HATE THIS CARD HAVE BEEN TRYING TO CLOSE IT DUE TO THEM REPORTING THAT CONSUMER 'S MADE LATE PAYMENTS WHEN THEY DID NOT. They are the ones that TAKE PAYMENTS LATE AND DO NOT POST THEM RIGHT AWAY. MANY TIMES THEY HAVE TAKEN OUT MY FUNDS DAYS AFTER I HAVE PAID!!!!!! THEY ARE THE WORST AND THEY NEED TO SERIOUSLY REMOVE THOSE LATE PAYMENTS THEY STATED IN 2022 WHEN THEY ARE NOT TRUE!!!!! I HAD A JOB THAT TIME SO THERE IS NO REASON WHY I DIDNT MAKE THOSE PAYMENTS!!!! TERRIBLE REPORTING!!!! GET IT OFF MY CREDIT REPORT AS IT IS AFFECTING MY FINANCIAL HEALTH AND I AM NOT ABLE TO GET ASSISTANCE EVEN DURING XXXX NATURAL DISASTER DECLARED BY FEMA!!!!!! THIS IS TERRIBLE!!!!!! GET RID OF THIS NOW!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS THE ORIGINAL OWNER OF THE REPORTED ACCOUNT. THE ACCOUNT WAS SECURED WITH THE TITLE OF MY XXXX XXXX XXXX XXXX. MY VAN WAS TAKEN AND MY TITLE NEVER RETURNED TO ME. XXXX OBVIOUSLY SOLD THE ACCOUNT AS A COLLECTION ACCOUNT NEVER DISCLOSING THE FULL DETAILS OF THIS ACCOUNT TO XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, inquired on XX/XX/2022 Business type : Bank Credit Cards In accordance with the Fair Credit Reporting Act XXXX  Account # 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 a account without my written instructions
Product: Checking or savings account

Received a notice from company they they removed funds from a savings account and put it towards an account that is currently being disputed without my authorization. this is a clear violation of my rights as a consumer. This a clear stall tactic used to re age an account to extend the time allotted to remain on an already disputed consumer report.this comes off as fraud seeing as I did not authorize such activity on my account
Product: Bank account or service

I deposited {$800.00} cash into a Chase bank ATM, where I have an account, on XXXX/XXXX/15 at XXXX. I received a receipt that said the ATM has experienced a technical problem and to go into the branch. I did that and was told they did not know where the money was and that they needed to file a claim and they would be in touch. I did n't want to leave the bank not knowing where my money was so I said that was n't good enough. I said I wanted to close my accounts and withdraw my money. In the meantime, the branch manager XXXX XXXX was glaring at me over the glass, so I asked her what she was looking at. She then walked over and told the employee I was working with that she did n't need to deal with me and to call security. We both looked at her like she was nuts, and I asked her why would she call security when i just wanted to withdraw my money. She then instructed her employees to walk away from me and leave me in the cube and not tend to my request. She then told me she was calling the police. I do n't know if she did, but they never came and neither did security. I then called the XXXX number on the card and was told the {$800.00} credit was pending and they were going to investigate the deposit and find out where it was and the phone rep said I could leave the bank, which I did, and that she was escalating it to their executive team based on the behavior of the branch manager. 

Thursday, XXXX XXXX, rolls around and I attempt to use my visa check card at a vendor and it is declined. I attempt to do it again on Friday, XXXX XXXX, and declined again. I call the bank and am told that the account is on hold due to 'fraudulent ' activity. I received NO notification from the bank and have no idea what this is about. I walk into the same branch and ask them, they send me to a banker who tells me that the bank has elected to close my account but the money is frozen due to the claim I made on Monday and the funds will be sent to me via check ON OR AFTER XXXX XXXX!!!! 

I called the executive office where I filed the initial complaint and reiterated my dismay at being retaliated against by the bank. I had REQUESTED TO CLOSE THE ACCOUNT on Monday and was DENIED the ability to do that. Now they close it and FREEZE access to all of my money??? I have {$2.00} in my wallet and no access to my money. 

I want to file a complaint against this bank for harassment, unfair treatment, and STEALING MY MONEY!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX and I currently have a credit card with XXXX XXXX. Back in XX/XX/XXXX I paid off the entire balance and have never used the card ever since. About a month and a half ago, I received an alert from XXXX XXXX that my credit score dropped, I was horrified - I checked and found out that I have a delinquent payment for XXXX dollars plus a late fee of about XXXX dollars, I thought someone was assuming my identity since I knew that I had a XXXX balance. I called XXXX XXXX immediately which was about 2 months ago and asked about the charges, upon review it was noted that the company made a mistake and billed me for fees erroneously. I asked about what will happen to my credit report and was told that in 30 days it will be corrected. Till today, this is still on my report and to every time I call to report to XXXX XXXX over the phone I am told that I need to be the one to petition a removal from my credit report. Please help me with this situation because I feel helpless and with my credit score falling so low, I dont think I will be able to get a car like I had planned because of my score. Please help me.
Product: Debt collection

National Recovery Agency is saying I owe them {$1300.00} and they got this debt from XXXX XXXX XXXX. The only problem is Ive never been to a XXXX  Emergency Medical, Ive been living in XXXX, Texas for 4 years and nothing has been told to me that I owe this money.15 US C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. I believe theres reason to believe this information is inaccurate especially if they refuse to show me records of my debt and when and where it occurred.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the XXXX file of my dispute letters that were sent to the involved Bureaus