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 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX 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 XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with Experian XXXX and XXXX since XX/XX/XXXX and have not gotten anywhere with them so this is why i am here All XXXX credit reporting agencies have failed to conduct a reinvestigation which is a violation of 15 usc 1681i ( a ) ( 1 ) ( a ) The following accounts have the following violations and need to be removed form the credit report. 

XXXX XXXX XXXX # XXXX XXXX and Experian violated 15 usc 1681s-2 ( b ). They have failed to provide account level documention after being contacted by the credit reporting agencies regarding my dispute and violated 15 suc 1681s-2 ( a ) ( 5 ) they have failed to mark the account as disputed even tho i have multiple times. 

XXXX XXXX Account XXXX XXXX violated 15 usc 1681s-2 ( b ). They have failed to provide account level documention after being contacted by the credit reporting agencies regarding my dispute and violated 15 suc 1681s-2 ( a ) ( 5 ) they have failed to mark the account as disputed on Experian and XXXX even though i have multiple times. 

XXXX XXXXXXXX Payment history is inaccurate from XX/XX/XXXX to XX/XX/XXXX between experian XXXX  and XXXX. therefore this is a failure that they failed to give the furnisher relevant information and XXXX  violated 15 usc 1681s-2b.

The following collections need to be removed and all have violated 15 usc 1681s-2b XXXX- XXXX XXXX and Experian XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to request removal of a credit freeze to no avail. Submitted my information and have not heard from Experian. I provided my PIN number, provided by Experian and still have trouble removing the freeze. 

Have uploaded documents they requested to verify my identity and still have not heard from Experian. Tried calling as well, and have trouble trying to reach a live operator. The voice prompts are of no help. I provided the information and the response I get is that they are unable to verify. 

I had to place a credit freeze, because my information was hacked from their system, now that I need to apply for a student loan for my daughter it is impossible to lift the freeze. 

The other credit bureau 's, provided live operator and assisted in my request to lift the security freeze. 

Can your office compel, Experian to provide a live operator to assist consumers?
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote TransUnion on XX/XX/2021. I sent my disputes certified mail. This company has not responded in the past 30 days.
Product: Debt collection

In accordance with the Fair Credit Reporting act SANTANDER CONSUMER USA 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. 
15 U.S.C 1666b A Creditor May not treat a payment on an auto account. I have attached an pay for deletion letter. That has been paid in full, but not honored.
Product: Debt collection

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account lised under Midland Credit Managemen and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continued to reflect on my credit report and I have not received any correspondendence from creditor to vaildate this account as correctly belonging to me, nor has my credit report been no updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on my on my report. I do not believe the account belongs to me nor do I believe that the Creditor has authorization to access the account nor authorization to attemp to collect on the account and the account continues to negatively affect me. Please strike and remove this accounts from all XXXX Credit Bureaus until adequate vaildation has been received proving that the account belongs to me and all information is correct.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act. Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, the dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have discovered that my identity has been compromised, resulting in fraudulent accounts being opened without my knowledge or consent. I have taken the necessary steps to report this identity theft to the relevant authorities, including the Federal Trade Commission ( FTC ) and my local police department. Attached, you will find a copy of my FTC report and my police report for your records. I request that you investigate the following accounts and take appropriate action to remove them from my credit report, as they are the result of true identity fraud.
Product: Money transfer, virtual currency, or money service

Respectable Srs, For some time I have been receiving a number of unwanted emails and calls from agencies offering help with my educational loan. Given that I have been in financial difficulties and it has been impossible for me to finish paying and after hearing so much about them, I decided to return the call to one of the many who contacted me. That 's how I got it contact with XXXX. I was distrustful at first and I was thinking about it but I felt pressured because they said that I needed to act fast before Trump changed the law that Obama had implemented. In the end they made me believe that they had some connection with the Department of Education given the advertisements they use and EMails I received. They really seemed very legitimate and therefore would be a great opportunity to get my debt forgiven. They use the terminology '' relief '' and '' forgiveness '' to attract and deceive by promising help in erasing or forgiving student debt. They started by seeing if I really qualified and after a series of questions I got the surprise that in did I was eligible and that I could benefit by reducing my debt to " XXXX ''. The great detail and error of my part was that the only way to pay for this " Service '' was through my bank, they told me that there would be {$50.00} payments for a year to complete the payment and the result would be " XXXX '' Debt. To start the process they charged me {$150.00}. I continued with the idea that they were working on my case. After three months I realized that a debt report appears in my credit to a certain Equitable Acceptance of which I never heard or knew of and who not only damaged my credit but when I called them they were demanding I pay them in full to withdraw the report, that 's how I knew that they had bought my contract that I did not even sign and which they got from student advisors without my signature because at this point I never visited the page where they told me I had to sign. After researching the Internet and calling the Education Dept. I found out that not only my loan was still there and that all they did was fill out some documents to consolidate my loan, so that I wouldnt have to pay temporarily or pay less, but the interests continues accumulating. The saddest thing is that when this process could be done for free, Student Advisors are charging almost {$2000.00}, which is still an extreme Ripp off of which I have been a victim as many hundreds of others and for which I ask for the support so that Equitable Acceptance stop charges to my bank account immediately and reimburse me back the {$390.00} because they have scammed me. I hope with my report to help and encourage others to investigate before falling into the hands of unscrupulous companies that take advantage of the despair and vulnerability of people. I am now out of work and it gives me a lot of indignation to have to pay them when they have cheated me vilely by making me believe that they could help me get my debt forgiven. If it had not been for that promise, it would never have fallen into their hands. 

A milllion thanks in advance!
Product: Payday loan, title loan, personal loan, or advance loan

I confirmed with the Lightstream that I had the issue with {$50.00} that went to the interest but they confirmed that would go to the principal when I put it on XX/XX/XXXX which I did. I looked up the report that there is no change and I called them ( XXXX - XXXX ) yesterday that it went to the interest. I requested to speak with their supervisor but I was told that the supervisors ( XXXX, XXXX, XXXX, XXXX, XXXX ) were in meeting. I kept telling the {$50.00} should have gone to the loan balance that I can pay off the loan earlier. I asked them to change the balance but they refuse and they assure me that next extra payments will go to principal on payment dues. I need to know what they have done with my {$50.00} since there is no update on the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is pertaining to XXXX XXXX, XXXX, a collection company, that is reporting a {$95.00} balance on my Equifax credit report. I have contacted Equifax and the creditor asking them to provide evidence of this debt, however they have not responded. It has been months since I asked them to provide this information. They have not. 

Please assist and have Equifax remove this from my credit report since they have not provided proof of the debt. 

I am attaching a letter I sent to Equifax on XX/XX/2022 asking them to verify this debt and provide documentation. They have not responded. 

Please have them remove this item from my credit report. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Dispute letters accompanied by police report and FTC were sent by certified mail to XXXX, Equifax, and XXXX  in regards to accounts and inquiries that are present on the credit report because of identity theft. 

XX/XX/XXXX - Dispute letters accompanied by police report and FTC were sent by certified mail to XXXX, Equifax, and XXXX  in regards to accounts and inquiries that are present on the credit report because of identity theft. 

Accounts present because of identity theft. 

1. XXXX : Credit Limit : {$300.00} : Date opened : XX/XX/XXXX 2. XXXX  : Credit Limit : {$16000.00} : Date opened : XX/XX/XXXX 3. XXXX : Credit Limit :  {$5900.00} : Date opened : XX/XX/XXXX Inquiries present because of identity theft. 

1. XXXX : Date opened : XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2021 I applied for a Neiman Marcus credit card by capital one back application ID # XXXX a 2 weeks later I received there response which was ambiguous and is in violation of the FCRA which states any time a consumer is denied the company must give or point out reasons to which why credit was denied. My credit score is XXXX and I did not have then or now any derogatory information are charge-offs on my credit report when I applied for this account. I've called this company several times trying to get a reasoning to why I was not approved, was told by Neiman Marcus new account manager XXXX # XXXX it was due to credit reason off your report, that was all she can say. First of all I believe that this company has deliberately and maliciously discriminated against me because I am XXXX and XXXX, and based on my credit worthiness there's no reason way I was denied, they couldn't even give me the reason why I was denied
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT SIGN ANY AGREEMENT THAT XXXX XXXX COULD FURNSH MY PERSONAL INFORMATION TO ANY COMPANY, WHICH IS A VIOLATION OF 15 USC 6821A. THIS IS AN ADVERSE ACTION AND IDENTITY THEFT. THIS IS ALSO A CLEAR VIOLATION 15 USC 1681B ( 2 ). THE REPORT OF 3 ALLEGED LATE PAYMENTS TO MY ACCOUNT XXXX IS NOT VERIFIED, WHICH IS A CLEAR VIOLATION OF 15 USC 1681A ( 4 ). THE INFORMATION PROVIDED TO THE CONSUMER REPORTING AGENCIES OF LATE PAYMENTS ARE INACCURATE AND A DEFAMATION OF MY CHARACTER, WHICH IS VIOLATING 15 USC 1681E ( B ) AND 15 USC 6821A ( 2 ). THIS INCORRECT REPORTING IS CAUSING DENIALS WHENEVER I'M TRYING TO EXTEND MY CREDIT FOR PERSONAL, FAMILY AND HOUSEHOLD USE.
Product: Debt collection

I sent a debt Validation letter out to them through the mail, and didn't receive nothing back, so I sent a certified letter this time and i still have not received anything back yet. I already submitted a complaint about this and I didnt realized I didn't include this information on the complaint so that's why I sending it out again. Also, The SOS Group called me today XXXX XXXX and I answered the phone and the lady ask me XXXX and I told her I don't answer questions over the phone, sent what you have to the address you have on file and she STATED ( GOOD LUCK WITH THAT ) and hung up on me. Now that is unprofessional. This is FCRA violation
Product: Mortgage

I was pulling into a for variance after hurricane Irma I was  told at the end it can be put back to the end of my Mortgage. Now they want me to do a loan modification I am not working I am a single parent I was diagnosed with XXXX XXXX very aggressive Im trying to get XXXX .. my Loan its being served by Seterus . My lender its XXXX XXXX
Product: Debt collection

When I was contacted by a representative for this company back XXXX of XXXX  I made it clear to him I would be disputing this debt and to only contact me by mail. They have repeatedly called a few times left voice mails I saved and I told them again only contact me by mail in early XXXX and again repeated calls.i even confirmed it was put in their system do not call me. They confirmed it had been and couldn't give me the explanation of why the nuisance repeated calls and voice mails. They do say they record all phone calls for quality insurance it's no reason they can not provide records.
Product: Debt collection

XXXX obviously someone stole my identity. 
XXXXI knew nothing about this debt until I noticed {$180.00} withdrawn from my checking account.them I contacted XXXX XXXX Henley lotterhaus & Henley. 
I tried explain this wasn't my debt.they eventually reversed the garnishment. Never heard another word from them. I was never served.never received any mail nothing. 
I abosulety thought that was the end of it. 
XXXX they say they served me when in fact I never heard another thing from these sketchy guys until XXXX where I received a letter stating we had hashed it out over phone and that i needed to fill out Id theft affidavit and return.XXXX I filled out forms had it notorized and mailed in back They claim they never received it. I have the actual letter with the forms missing from back.so that confirms for me that I did what they asked. My paperwork is purged every XXXX yrs so why I have this letter I don't know Never heard a word from them nothing. 
XXXX mother is XXXX in hospital and I receive my paycheck and there is a garnishment from guess who. 
I was taking care of my mom and I went to my corporate office where they took care if it and had the garnishment reversed again I can hardly remember the details I just know I thought again revers the garnishment they took care of it it was not my debt it was due to id fraud. 
XX/XX/XXXX they say they served me and this is not true I have been home with a injured leg since XX/XX/XXXX I barely even leave the house Now it is JXXXX XXXX XXXX yrs they have been strong arming me and refiling the judgement against me It's not my debt over 8 years for the first I'd theft affidavit I tried to file and in XXXX I filed another one. I was told that it's my fault they did not get first one and I should have checked with courts to obtain my paperwork on judgement.How in the XXXX would I know to do that if I knew nothing about it or I thought they did what I thought was there job and rectified the situation NOPE I didn't realize that these are sketchy vultures who buy junk debt and try to strong arm u into paying my credit report is clear I pay my bills .after 22 yes if it were in fact my debt I would have made some sort of attempt.they can't prove to me that it is in fact mine nor can they prove they own the debt and they XXXX sure can't show me any paperwork I don't even know who the original creditor was. 
I need help this think is keeping me from taking care of my family even though it's not on my credit report somebody checked the judgement in the county and there it is.i also have a doctor bill that should have been charged off that showed up here.but they are working to clear that up This is obsurd.ibcant afford lawyers to fight for me so I guess I can go defend myself or lose everything that I have over this 22 yrs old debt. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX XXXX XXXX, TransUnion ) and the Creditors ( XXXX XXXX XXXX ( 2 ) and Dept. of Education/XXXX  ( 5 ) ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Student loan

In XX/XX/XXXX, I applied for one of the two loans from XXXX XXXX for my daughter 's college tuition. In the beginning when I inquired about different aspects of the loan, before signing any document, I made several phone calls, and realized that the interest rate changed throughout the day which I thought was only for international currency exchanges. I also asked at least twice if I paid more than the monthly amount due, that the additional money would be used to pay down the principle and at least twice I was told yes. 

On XX/XX/XXXX, I called XXXX XXXX because I realized that the extra money I had sent in was not being applied to the principle of the one loan. After being kept on hold 10-15 minutes the person came back and said that the money had been put aside for future payments. I asked to speak to a supervisor more than once and I was never able to speak to one. I was told that " the supervisor would allow the money to be paid towards the principle of the one loan this time, but it could not be done in the future. '' I thought that this may be considered predatory lending with the amount of the interest, the misrepresentation of facts, and the inability to speak to a supervisor as if I was being put off and felt as if the company was involved in a scheme. This has affected credit reports for both myself and my daughter.
Product: Checking or savings account

I have been a member with US Bank since XXXX years. I currently only have records from XXXX but US bank has charged me {$28000.00} in overdraft fees just in those 7 years. This is just an estimate might not be exact- but here are the numberXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}. Ive asked time and time again what I can do to stop all the charges and never really got an good answer until recently when I was on the phone with a rep and she shut off overdraft off. Why couldn't this be done sooner to help me as a customer not struggle so much? Every time I would go in the app it always wanted me to start up another account and it was really confusing so then I would have multiple checking accounts for no reason. I just think its unfair US bank has gotten all this money when they could have helped me. $ XXXX is a lot of money - a lot of tears I am sure I cried over and over thru the years worried about money. 

I have proof of the bank statements of end of the year amounts of overdraft fees if needed -please let me know and I can add them to my complaint
Product: Credit card or prepaid card

Re : Capital One World MasterCard promotion offering 0 % interest for 12 months with 2 % transfer fee. 

In XX/XX/XXXX I transferred in excess of {$5000.00} to my Capital One credit card. My current statement ( payment due date of XX/XX/XXXX ) does not reflect this agreement, but instead shows an interest charge of {$90.00} and a minimum payment of {$140.00} due on XX/XX/XXXX. Both of these figures are in error. 

On XX/XX/XXXX I spoke with three Capital One representatives ( rep ID numbers XXXX, XXXX, and XXXX ), including a supervisor. They acknowledged that there was a system error in recording the promotional offer. I was not informed by Capital One of this error either by mail or email before I had made my telephone call. 

These representatives told me that a correction may take " two billing cycles '' to correct and that I should continue to make the {$140.00} minimum payment ( s ) until this was corrected. 

I protested that the entire statement was in error and that the {$140.00} minimum payment was excessive based on my prior experience with these types of promotional offers. They were, in fact, asking me to pay for their mistake. They refused to offer either a reduced minimum payment in line with my expectations, or a waiver of payment until such time as they corrected their problem.