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

TransUnion is in violation of 15 U.S.C. 1681g. The information updated and modified is incorrect, inaccurate, and false. TransUnion notified me " XXXX XXXXXXXX XXXX-UPDATED. '' Errors still exist on my credit report when I never had any creditor relationship with Original Creditor Name XXXX XXXX XXXX XXXX  XXXX XXXX nor XXXX XXXX XXXX XXXX. I assert that XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX was ever my original creditor. XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX does not appear in my credit file as an original creditor, charge-off, past due balance, amount owed, collection, etc owed to XXXX XXXX XXXX XXXX XXXX XXXX nor CXXXX XXXX XXXX XXXX for an amount of {$1800.00} or any such amount. There is no debt owed to XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX as my original creditor because I never had any creditor relationship with XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX TransUnion failed to produce any documented evidence of how XXXXXXXX XXXX, a Type Derogatory, Collection, or a Debt Buyer Account is owed a past due amount of {$1800.00} for a debt owed to XXXXXXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX  as the original creditor. There is no contractual agreement containing my signature to establish any creditor relationship that exists or existed between myself and XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX XXXX XXXX  is listed on my credit report for a Collection balance owed for a debt to Original Creditor as XXXX XXXX XXXX XXXX XXXX XXXX. Also known as XXXX XXXX XXXX XXXX as the original creditor that is an error. TransUnion remains in direct violation of The Fair Credit Reporting Act ( FCRA ) and XXXXXXXX XXXX remains in direct violation of The Fair Debt Collection Practices Act. Updated and modified information is inaccurate, incorrect, and false. Without establishing an Original Creditor Relationship and a Contractual Agreement containing my signature, it would be impossible to verify any such Type of Derogatory, open, closed, charge-off, default, collection, balance, or amount due, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Credit reporting or other personal consumer reports

TransUnion was tasked with investigating and running disputes for XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX After making arguments about a disputes items being investigated incorrectly I was transfered to a supervisor was who verbally stated on record that they have 1. Received all documents for verification 2. Received all deletion files 3. Received a updated and accurate credit report from XXXX 4. Received fraud reports 5. Received CFPB Reports All other credit agencies that received this documents removed files for fraud and irregularities and Transunion admitted to not running disputes at FCRA standard as previously stated and this is verified by the recent removal of XXXX  XXXX. They refused to investigate that file for 2 years even while being requested to do so. 

Transunion incorrect reporting has let to me being denied for my new apartment due to their neglect and refusal to investigate and cross compare results with other agencies. 

Specialist who ignored dispute information is liable for all damages both caused from loss of funds for applications and emotional damage for the discrimination they have acted out.
Product: Consumer Loan

I had an " interest free '' deal with Home Depot to have a new roof installed. Total cost {$14000.00}. I was down to a balance of {$1100.00} and was continuing to pay the minimum each month as well as interim principal payments. On my XXXX statement I see that HD billed me {$1600.00} in deferred interest since the complete loan as not paid by the end of XXXX. In essence, I was billed {$1600.00} on a balance of {$1100.00}. I call customer service and they claim " this was clear '' in my monthly statement. My understanding from HD salesperson was loan was interest free through XXXX of 2015. Never made clear that if there was {$1.00} of principal outstanding HD would go back and retroactively apply 22 % interest. This is outrageous and abusive. I am XXXX years old and feel that I have been taken advantage of by this huge corporation. Help please
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. This failure has left inaccurate or unverifiable accounts unresolved. 

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, highlighting systemic issues, including failing to send consumer-provided evidence to vendors, accepting unreliable responses, and failing to properly notify consumers of dispute outcomes. 

These failures align with my experience, where Experian has failed to correct or remove disputed items despite evidence I provided. This inaction has caused ongoing damage to my credit rating. I request immediate corrective action to remove or modify the disputed accounts, as Experian 's actions violate federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

This complaint is in tandem with an open complaint I currently have withXX/XX/XXXXXXXX XXXX through the CPFB. 

My phone was stolen on XX/XX/XXXX of 2020. The perpetrator used my phone to transfer XXXXUSD from my checking account held at XX/XX/XXXXXXXX into my CashApp account. They then used my CashApp account to transfer said funds into another unkown CashApp account. The transfers occured at XXXX. The CashApp company then sent an email to me stating they needed identify verification at XXXX, same date. I have attempted the proper channels to resolve this matter with XX/XX/XXXX fraud department with supporting evidence and witnesses, but have been denied more than 5 times. Supporting evidence includes a XXXX Police Report. I attempted to contact CashApp regarding the situation, and at most all I received was an e-mail stating they had elected to close my account. Within that e-mail, they stated they would provide no further information. Please help! This has lowered my quality of living and caused stress and pain and suffering. 

XX/XX/XXXXattempts to verify my identiy came only in the form of a simple text message with simple requirements of replying 'YES ' or 'NO '. This has been their statement to me multiple times. Needless to say, the perpetrator had an easy time verifying with the bank by simply replying 'YES '. CashApp attempted their identiy verificiation some XXXX hours ( too little too late ) after having already made such large transfers. PLEASE HELP! 

I have all necessary supporting evidence and witnesses needed! 

Please contact me directly for supporting evidence!
Product: Checking or savings account

XXXX 2021 that morning my savings account balance was a few dollars over $ XXXX. 
That same day there were two withdrawals for XXXX $ XXXX leaving my account short $ XXXX. 
Neither of those transactions was mine. 
In addition, a checking account with {$10.00} was closed. Again, this was not my doing. 

Yesterday I discovered this issue and spent 4 hours trying different phone numbers to report this fraud to CITI. I had 7 contacts and no one could tell me what was going on or even seemed to care.

I can't believe it took 4 hours and no one seemed to care that they and I had been robbed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, I have recently reviewed my credit report and noticed several unauthorized and inaccurate inquiries reported to my profile. Pursuant to 15 USC 1681b, when the consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am demanding these inaccurate inquiries be investigated and removed immediately. 
INQUIRIES : 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 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

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

So I have a very concerning issue. I purchased my home XX/XX/year>. At the counseling with my realtor I was informed to not run my credit. So the last time I authorized any company or myself to run a credit inquiry on my credit report was XX/XX/year>. But upon looking at all of my credit reports I see, unauthorized credit inquiries from XX/XX/XXXX until present. Again I never authorize any of these credit inquiries and I would like to remove from my credit report. Now my credit report poor. Which I thought I was doing a good job but not applying for credit, but some kind of way credit increase have been authorized. Again, all of these credit inquiries from XX/XX/XXXX until present or unauthorized.
Product: Debt collection

I have tried numerous of times to explain to this creditor that I have no knowledge of what I am being ask to pay. And I have asked to get this removed from my credit because it is reflecting and hurting me
Product: Mortgage

We were charged a {$220.00} late fee by LoanDepot in XXXX of XXXX on our home mortgage account. We attempted to make a payment on time, using our bank 's online bill pay. The grace period ended on the XXXX of XXXX. We've had many conversations, via chat, email, and by phone, requesting LoanDepot to waive this late fee, but it seems clear that LoanDepot are not willing to budge, regardless of the circumstances. Below is a summary of reasons why we are reporting LoanDepot to the CFPB : XXXX. I was told by multiple employees of LoanDepot, including XXXX XXXX and XXXX XXXX, that LoanDepot is aware of issues with XXXX being behind of late, resulting in slow mail times. A responsible company would understand that this is not a fault of the client, who is entirely unaware of this fact, and reverse late fees, especially when clients provide adequate information that they are making every effort to pay their bill on time. 
XXXX. LoanDepot explains that we, the clients, were at fault because our bank sent the check to the wrong '' address. Meanwhile, LoanDepot cashed the check that arrived at that address, an address that is in fact on their billing statement. We the client could adjust the mailing address on future payments to their preferred address, but a responsible company would give us the benefit of the doubt as new clients. This is literally the second payment to our mortgage, and the first weve done through our banks online bill pay. And, once again, LoanDepot actually did cash the aforementioned check. 
XXXX. I was told by several employees of LoanDepot that a check is recognized on a payors account when the check is received, not when it is cashed. Again my bank, XXXX, confirmed mailing the check on the XXXX of XXXX, and LoanDepot has record of this fact in the form of a letter we provided from XXXX. Our bank considered this ample time to get the check to LoanDepot before the end of the grace period - the XXXX of the month. Meanwhile, the check was not posted to our LoanDepot account until the day it was cashed, XX/XX/XXXX. It is highly unlikely, in my opinion, that it took XXXX this long to get the check from XXXX XXXX XXXX LoanDepot has repeatedly stated that the only reason they would waive a late fee is when they find themselves to be at fault. Yet, there could be no record of fault if the checks arrival was not documented. Again, a responsible company would give their customer the benefit of the doubt. 
XXXX. Multiple LoanDepot employees exhibited unprofessional behavior in my various calls with them. On one occasion, I was hung up on by a customer service manager. On a second occasion, a Service Escalation Resolution XXXX got heated and raised their voice without reason. On a third occasion a Service Escalation Resolution Specialist lied about something shed clearly stated on a previous call regarding XXXX delivery times. 
XXXX. At least XXXX LoanDepot employees told me that they would remove the late fee if they could, because they felt the information we provided was adequate, but explained their hands were tied and that LoanDepot does not reverse late fees.
Product: Credit reporting or other personal consumer reports

You are infringing on my right to privacy by reporting this information on my credit report without my consent. This breach is both offensive and damaging to my reputation, causing harm to my credit score and negatively affecting my life, as my new credit applications are being denied due to this oversight.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without 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 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 XXXX PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I have an issue with the way USAA applied my {$760.00} in payments on my account. I have a promotional balance on my account which dates back to XX/XX/XXXX. Since then USAA has been applying my payments arbitrarily mostly to the promotional balance and not paying off my purchases balance. I really hadn't paid any attention to it until this recent statement. I used their card while traveling abroad. The minimum payment had been met on the card in XXXX. However, once I got home, I paid 2 payments one for {$200.00} and the second payment in the amount of {$560.00}. The total purchases made during the XXXX statement were {$830.00}. To my surprise on my XXXX statement, I was charged interest on {$690.00} in purchases. Of the {$740.00} USAA applied {$590.00} to my 0 % promotional balance and {$160.00} to my purchases with a 17 % interest rate. As I looked back through my statements this has been an ongoing trend. I would pay over {$100.00} a month and instead of paying off the small balance of {$13.00} for XXXX. They would apply the bulk of it to the promotional balance and leave a small purchase fee to charge me interest on. 

On the XXXX statement that 0 % promotional balance was {$4900.00} ; The XXXX statement my promotional balance is {$4300.00}. After calling a couple of times and receiving the run around I decided to file an compliant. According to the Credit Card Accountability and Disclosure act passed in XXXX ; after the minimum payment is met the creditor must apply payments to the balances with the highest APR 's. I was told there was nothing a rep /manager could do to adjust or fix this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX,. I never paid the following accounts late, XXXX  : XXXX  and XXXX  are not reporting this account, Equifax is reporting a payment status of 60 days late but does not provide the dates this account was late, XXXX XXXX : XXXX  is reporting a payment status of current but reporting late payments of 30 days late in XX/XX/XXXX, 60 days late in XX/XX/XXXX, 120 days late in XXXX and XX/XX/XXXX, XXXX  is reporting a payment status of current but reporting late payments of 60 days late inXX/XX/XXXX, 90 days late in XXXX and XX/XX/XXXX, 120 days late in XX/XX/XXXX and 150 days late in XX/XX/XXXX, Equifax is reporting a payment status of current but reporting late payments of 30 days late in XX/XX/XXXX, 60 days late in XX/XX/XXXX, 120 days late in XXXX and XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, ORIGINAL CREDITOR Account Number XXXX XX/XX/XXXXand XX/XX/XXXXis not reporting this account, Equifax is reporting an opened date of XX/XX/XXXX with a balance of {$130.00}, XXXX XXXX Account Number XXXX XXXX   is reporting an opened date of XX/XX/XXXX no balance reporting, XXXX  is reporting an opened date of XX/XX/XXXX no balance reporting, Equifax is reporting an opened date of XX/XX/XXXX no balance reporting. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information or provide proof with signatures of my agreeance to these accounts. Please help me to get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Somehow Someone opened an online account with XXXX and XXXX at this point my identity was used to do so.