23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hi, Trans Union once again is not honoring me as a customer & has incorrectly lowered my score.Their computer generated algorithm is WRONG. My account from XXXX XXXX was recently reported to Trans Union, after not being report for XXXX because the account was in a hardship program bcz of covid & then when it was reported it showed an increase of just {$14.00} just because of interest, which {$14.00} doesn't hurt my over all utilization at all. BUT my score went down XXXX points! UNBELIEVABLE! Makes no sense, because this didn't happen with any of the other bureaus with the same reporting information. As of last couple months I have been a better financial situation & paying down balances, just in month of XXXX so far have paid off over {$1000.00} between XXXX credit card accounts, such as Self Financial {$280.00}, Capital XXXX {$200.00}, XXXX {$100.00}, XXXX, {$100.00}, Prosper credit card {$100.00}, ETC. & NOT XXXX POINT DID I RECEIVE! NOT XXXX!! I KNOW HOW PAYING DOWN BALANCES WORK, MY SCORE SHOULD GO UP, NOT DOWN!! I PAID OVER {$1000.00} SO FAR IN THE MONTH OF XXXX & NOT XXXX POINT MY SCORE WAS RAISED BUT AN INCREASE OF {$14.00} XXXX XXXX ACCOUNT XXXX TRANS UNION LOWERS MY SCORE XXXX POINTS?? XXXX points is a lot to lose when you're working so hard on building your credit to buy a new home, car & for my businesses! I'm disappointed & tired of been treated unfairly as a customer! I don't understand, why all the work I have done in the past XXXX & they keep knocking me down. XXXX it is was XXXX points for incorrect reporting on a credit XXXX account saying it was closed & not & dropped my score XXXX points & now because XXXX reports a increase of {$14.00} my credit goes down XXXX points!! I should be gaining XXXX points not loosing! when I have paid off thousands of dollars in the last XXXX & I'm getting no where with Trans Union XXXX When XXXX XXXX XXXX my scores are growing with the same info. I just don't understand this, It's truly unfair & so discouraging! Trans Union knows most lenders use them & buying homes & cars they check often all 3 bureaus & my XXXX Scores on XXXX is XXXX ( vantage score XXXX ) & XXXX XXXX XXXX ( vantage score XXXX ) how is Trans Union no where close to the same, with a XXXX score still of XXXX & ( XXXX XXXX & it was just only XXXX ) I understand different bureaus have different ways they configure scores but it is the same info & shouldn't be too much different. I cant even seem to get my fair points to get over a XXXX for XXXX by now, when XXXX scores are what most lenders use. I'm tired of being lied to by Trans Union & them not giving my points for paying down balances! I have nothing negative on my credit reports but a few High balances, I have been paying down & still not XXXX point!! THIS IS SO DEVASTATING!!
Product: Credit reporting or other personal consumer reports

BANKRIPTCY US ILNORTHERN DID NOT VERIFY ACCURATE ACCOUNT XX/XX/XXXX FILED DISPUTED XX/XX/XXXX XX/XX/XXXX XXXX ... XX/XX/XXXX ... XXXX INQUIRES XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove fraudulent accounts

XXXX XXXX XXXX 
open date XX/XX/XXXX

XXXX XXXX XXXX   
XX/XX/XXXX

XXXX XXXX XXXXXX/XX/XXXX
XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  open date 01/24/2019
Product: Debt collection

On XX/XX/2021 I received the first notice from Convergent Outsourcing, Inc XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX WA XXXX phone # XXXX dated XXXX About a debt in the amount of {$910.00} that I'm not aware of. This company place this item on my credit report on XX/XX/2021 without giving me the 30 days to dispute the validity of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX XXXX  XXXX XXXX ( XXXX ), and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX BANK XXXX XXXX ( XXXX ) and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX  XXXX XXXX ( XXXX ) with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Product: Credit reporting or other personal consumer reports

This company XXXX ( XXXX XXXX XXXX ) has ABUSED the use of my credit. 
They ran my CREDIT 4 times within them. That is NOT okay when im rebuilding credit. Hard inquiries take a toll and I was not told it would be overused like this I was told ONE PULL. Please fix this
Product: Credit reporting or other personal consumer reports

I have already requested that you remove all inaccurate accounts from my credit profile 30 days ago or I will have no other recourse but to file an injunction against your agency under XXXX which makes you financial liable for each inaccurate account. 
Please delete the following unverified fraudulent account : XXXX XXXX {$240.00} THIS ACCOUNT IS A ERROR XXXX, XXXX MISSING INFORMATION. Please delete this account at once for failure to respond in 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I have already received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that have used a third party credit repair agency. Not only do I believe this to a way to prolong this investigation, but I believe it to be a blatant violation of the FCRA. 
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is another way to stall. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB Complaint to inform you that the 2 credit bureaus had violated the FCRA Section 605b by inaccurately reporting inaccurate information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. These are the following accounts that needs to be corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I attempted to use my {$100.00} Amex Gift Prepaid Gift Card on XXXX on XX/XX/XXXX on a purchase totaling {$99.00}. Unfortunately, the transaction failed due to the payment method being declined. Following XXXX 's suggestion, I contacted American Express on the same day. They assured me that there shouldn't be any issues with using Amex Gift Cards on the XXXX site and recommended trying to use less of the balance on the card. Subsequently, I made another attempt on XXXX with a {$90.00} purchase, but the payment method was declined once again. Despite trying multiple other online retailers and in-person purchases at various stores, I am unable to complete any transactions. I've also contacted American Express in an attempt to request a refund, but they have not been willing to assist.
Product: Checking or savings account

XXXX at the XXXX XXXX WellsFargo branch in XXXX California bullied me into accepting Wells Fargos terms of service. I felt unsafe and threatened but had no choice but to follow his directions.
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 Number : XXXX XXXX XXXX  XXXX Account XXXX XXXXXXXX Account Number : XXXX  : Account XXXX  XXXX Account Number : XXXX XXXX  : Account XXXX XXXXXXXX : Balance : {$5800.00} Account Number : XXXX : Account XXXX XXXXXXXX Account Number : XXXX XXXX : Account XXXX XXXX : Balance : {$660.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/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: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a disputed using CreditKarma.com on XX/XX/2018 this dipute is through XXXX on Creditkarma Inc 's website. I have not been shown any results of this dispute and the dispute is still shown as being " Pending '' XXXX  has claimed that they have sent an email of the results which they have not resubmitted to me. Furthermore since the dispute is still " Pending '' I am unable to dispute incorrect information being reported by XXXX  through CreditKarma. com Essentially having my right to dispute information denied at this time. I will attach photographic evidence that will support my claim today.
Product: Checking or savings account

I report this all as unusual transactions that was made on my account in the month of XXXX that started over the range XXXX XXXX XXXX. Are reported this as fraud in unusual unauthorized activity that I did not have any knowledge. Transactions as follows {$150.00} XXXX XXXX {$10.00} XXXX XXXX {$250.00} XXXX XXXX {$25.00} XXXX XXXX {$75.00} XXXX XXXX {$120.00} XXXX XXXX {$29.00} XXXX XXXX {$360.00} XXXX XXXX {$200.00} XXXX XXXX {$25.00} XXXX XXXX {$240.00} XXXX XXXX {$25.00} XXXX XXXX {$100.00} XXXX XXXX {$20.00} XXXX XXXX {$100.00} XXXX XXXX {$10.00} XXXX XXXX {$160.00} XXXX XXXX {$250.00} XXXX XXXX {$17.00} XXXX XXXX {$19.00} XXXX XXXX {$25.00} XXXX XXXX {$80.00} XXXX XXXX {$220.00} XXXX XXXX all these transactions listed above I reported as very unusual activity and fraudulent. I would like this case reopened and my money refunded back to me because their fraud protection department should flagged as Sporadic in random activity given all the dates that they withdrawn back to back like this.
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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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 seven years.

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

I am respectfully requesting a validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. If you fail to do so I request to permanently remove these items off my credit report. Accounts in question : - XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 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. Sincerely XXXX XXXX
Product: Credit card or prepaid card

My account was locked 2 weeks ago. I stared calling credit karma and asking to speak to someone. They said check my email. I did and they wanted a photo of my ID on XX/XX/XXXX I sent it to them via email. I have since emailed 5 times called probably 30 times asked for supervisors and still get no timeliness no idea when it'll be cleared up I've used the chat button on the app. Same thing no one I can talk to. I told them I needed to pay my rent and car payment but can't if I don't have my account.
Product: Mortgage

It began due to the pandemic, ( approx. XX/XX/XXXX ) Asked for the forbearance program. Was told to send payment when ready to end the forbearance. Which I did. They held the check for a month and then returned it ( UnionHome Mortgage ). They wanted the entire amount. No way did we have that amount of money. I was on the phone and computer back and forth with them for over a year. Requesting a modification. Just wanted the back payments set the end of our mortgage. They just jerked me around and around. Then we got bills and info from a company XXXX XXXX XXXXXXXX. We sent a payment. They did the same. And denied us a Modification. Next ( XX/XX/XXXX ) thing they sent a letter with information about XXXX XXXX. a debt collector. 
I have tried to find an agency to help us with the arrearage. Government agency said they don't do that. I've sent a request for help to the XXXX 's office. 
We have been lied to from the beginning. We had no idea that mortgage companies were crooked like this. Beginning amount was approx, {$13000.00} now it is {$43000.00} from all their run around bs.
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 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 XXXXXXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX XXXX XXXX  allowed illegal unauthorized fraudulent transactions and charges to all of my accounts. XXXX XXXX XXXX  has not accepted responsibility for the illegal unauthorized fraudulent transactions and charges. I submitted XXXX  police report XXXX. XXXX XXXX XXXX  and XXXX immediately accepted responsibility for the illegal unauthorized fraudulent transactions and charges
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance Acccount number XXXX The creditor is reporting that my account is affected by natural disaster. 
This is not correct.
Product: Money transfer, virtual currency, or money service

I sent my mother through XXXX $ XXXX like I have been doing for 3 years the money never arrived to my mother account I have gone to the bank wells Fargo and they haven't done anything and they had that problem with a lot of costumer and they don't want to protect us and I think someone in the bank change my mother phone number and it went to another account and no one wants to return my money I don't know what to do anymore
Product: Credit reporting, credit repair services, or other personal consumer reports

Hunter Warfield is a collection company in XXXX, Georgia, reporting on a lease that I had with XXXX XXXX, XXXX for an apartment in XXXX, Georgia called XXXX XXXX XXXX. XXXX XXXX breached their own lease and I moved out. XXXX XXXX submitted their desired payment to Hunter Warfield and refuses to correct the figures or engage in a resolution. Hunter Warfield has reported me as a delinquent renter, affecting my credit incorrectly and causing me difficulty in renting an apartment. Hunter Warfield will not respond to my creditor assistance law firm ( XXXX XXXX ). I have submitted a concurrent claim with XXXX, XXXX XXXX XXXX in order to resolve this dilemma. There is still no response from either Hunter Warfield or XXXX XXXX. 

I have provided the information regarding XXXX XXXX XXXX breach, which includes failure to provide pest control which resulted in a 90-day infestation of roaches in a " luxury '' apartment complex, XXXX XXXX XXXX attempt to take over utilities in residents names without authorization by lease and XXXX XXXX XXXX failure to adequately address an issue with residents and pets, which resulted in a resident threatening XXXX XXXX on another resident. Their solution appears to have been to string pet offal bags on the complex fencing like XXXX garlands. 

Thank you.
Product: Mortgage

I had auto pay set up on my account for the XXXX of every month. Ditech took XX/XX/XXXX payment out of my bank on XX/XX/XXXX which caused my account to overdraw. I incurred a {$38.00} nsf fee because of this. I have contacted them 13 times since XX/XX/XXXX asking them to re-imburse me for the fee. I have faxed them the paperwork that they requested 3 times and e-mailed it to a representative while on the phone with her so that she could verify that she received it. Several of the representatives have told me that they can take the money out of my bank account early. I told them that is not true. Others have told me that it is being taken care of which has also not been true. Some have told me that they didn't post it to my mortgage account until XX/XX/XXXX so it is not their fault. Their application for autopay states that if it is set up to be taken out of your bank account on a holiday or weekend, they will take it the following business day. 
Also, I checked my XXXX XXXX account yesterday and Ditech had put a remark on there stating, " Account information disputed by consumer, meets FCRA requirements ''. My score went down 7 points and that is the only thing that isn't positive on there. I have not disputed anything with them as far as credit goes. I have only called them to tell them that they need to pay me the {$38.00} NSF fee that my bank charged me for them taking the money out of my account before they were supposed to.
Product: Credit reporting or other personal consumer reports

Inquirers on XX/XX/23 from XXXXXXXX XXXX XXXX XXXX capital one bank Didnt inquire these myself. Someone else is doing it.
Product: Debt collection

XX/XX/2015 I changed cell phone carries, XXXX XXXX to XXXX XXXX. While in the XXXX store located XXXX XXXX XXXX, XXXX, MO XXXX. It was required for me to pay the FINAL BILL with XXXX XXXX if I wanted to open my new service with XXXX XXXX. This transaction was completed at the store. It was confirmed with me and my husband during the transaction all was well. XXXX received confirmation from XXXX and my new account with XXXX was opened and completed. A year later I started receiving threating mail and calls for me to pay {$1100.00} to XXXX XXXX. After several long wait times and transfers to various customer agents and their managers nothing was resolved. I proved to them the final bill was paid at the store because I could see the deduction from my checking account. 

My goal is to have funds refunded to me for the stress and embarassment to me for this ongoing issue and the hits to my credit report. This is making my score remain under XXXX and it causing me not to be able to move forward financially. Please assist with the refund and/or total restoration of my credit report having this account removed from my credit report.
Product: Mortgage

I asked for a complete breakdown of the corporate advance fees charged to this loan. Nationstar responded with the attached breakdown, which does not define what the fees are ; i.e., what comprises foreclosure fees? Is foreclosure fees one fee and a combination of several fees? What is a land periodic and land initial fee? What is a title examination? etc. Also I asked for dates, times, and the name contractor who performed any property inspections. This is not " proprietary information '', as claimed by Nationstar. Therefore this is a request for verification and a compete explanation of the fees charged to this account.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove personal information and inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., 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
Product: Credit reporting or other personal consumer reports

I been trying to see my report and score with Experian which they are not reporting any type of information on my credit report its important to me to see what information the credit bureau is holding on me all i ask is to see if i have a good credit report and score with experian or not. so i can work on it please help.