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

I constantly monitor my credit scores and reports with all three credit bureaus and I noticed that Transunion credit bureau consistently had me at a drastically lower credit score compared to the other two credit bureaus which I am sure hurts my credit.

When I repeatedly attempted to log into the Transunion credit bureau website it wouldn't let me log in and kept saying that the site was down, after a week of calling the Transunion help/support toll free number trying to get help to log in, I finally got a Transunion agent that helped me log into the website.

On the website, I logged into my account and looked for anything that would explain my low Transunion credit score and There was nothing there to dispute, meaning there was no information in my Transunion account that could help me understand why my Transunion credit score was so low compared to the other credit bureaus. I spoke to a second Transunion agent who told me that I would have to pay {$9.00} to see my credit report and score ( which the other two credit bureaus provide for free ) and advised me to go to a free annual credit report website to obtain my Transunion credit report and score. 

I followed the agent 's advice and still couldn't get my Transunion credit report and score and the website message said that I would have to contact Transunion.

I believe that Transunion credit bureau is dysfunctional and should be investigated. I believe Transunion credit bureau purposely makes it very difficult to get any information from them and they demand a fee to do so.

The most pernicious point is that their tactics are hurting hardworking U.S. citizens credit.

I demand that Transunion credit bureau should be immediately and thoroughly investigated, punished and made to eliminate their manipulative greedy and harmful tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

They said the bankruptcy on my report is accurate. There are no proofs that the court verifies it. I am asking for a documentation from the court not third party. I have a documentation from the court that says that they don't report to credit reporting agency. Then how it is verified.
Product: Debt collection

I have been getting several local and 800 number phone calls that left no messages. XXXX XXXX called from local number XXXX XXXX XXXX and said there is a criminal case against me and i need to call for info. They gave me the # XXXX XXXX XXXX and a file #. I called and they identified as XXXX and XXXX. Stated they were going to mediate a criminal case against me with XXXX federal charges re : knowingly defrauding a bank. I asked which company reported this and they said XXXX XXXX which is a payday loan co i have used. XXXX i must pay XXXX $ or the sheriff will arrest me tomorrow. Asked for more details and caller got rude and threatening. Asked to speak to someone else and he said " it doesnt matter who you talk to, you will still get arrested. '' And then he hung up.
Product: Debt collection

This collection with Online Services for XXXX XXXX / XXXX was paid directly to XXXX on XX/XX/19. XXXX stated that they would request that the collection be retracted from Online Services but Online Services is stating they will only report the debt as paid. Per the FCRA, Online Services does not have a valid collection as the original creditor recived direct payment. They are required to remove the debt from my credit.
Product: Checking or savings account

Referencing Complaint ID # XXXX. 

On XX/XX/XXXX, I received a letter response from XXXX ( XXXX. XXXX Branch, Capital One ) informing me that the above complaint had been closed and urging me to reach out to her directly if I had any questions or additional information. It was clear from the letter that XXXX had not fully understood the nature of the problem or the preferred resolution and had closed the case based on this bad understanding of the issue. This has been the only contact I have had with XXXX. There is no other avenue for me to provide additional details. 

Since receiving her response, I have called her almost every day and have not been able to get in touch with her. I also called the XXXX. XXXX  office on two different occasions ( XX/XX/XXXX and XXXX ). On XX/XX/XXXX, I was told XXXX would call me within 48 hours and a manager was copied. On XXXX, I was told XXXX would reach out to me shortly and that a manager was also contacted. To date, XXXX has still not contacted me. She has ignored every voicemail I have left for her and ignored last week 's urgent inquiry from the XXXX XXXX  office. I have a case manager at XXXX Bank who is ready to speak with a Capital One representative about this to further resolve the issue. Please contact me immediately so that I can have my issue ( ongoing since XXXX ) resolved. As a result of this issue, I currently have a loss of {$800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance 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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

Hello. Last year I took advantage of an Amex promotion and upgraded my Amex Surpass card to an Amex XXXX card. Unfortunately, Amex chat gave me incorrect information and told me that I was ineligible for the promotion and therefore I downgraded. Since that time, I have learned Amex was involved in a misleading marketing campaign that has resulted in them honoring the same promotion for other account holders and sending them apology letters. In my instances, Amex has suggested they have been investigating what happened to my account for over 6 months yet have yet to offer up with any answers or solutions. I'd like to call this cover-up to the attention of the federal government. This could lead a person to think that Amex is discriminating against me for reporting their actions to CFPB. I have a perfect payment record with Amex and regret they treat me so callously.
Product: Debt collection

Freedom furniture and electronics showed up on my credit report in XXXX for a laptop allegedly purchased by myself and then again for a judgment for {$2100.00} for said laptop. I wasn't even in the country when this transaction took place and sent the company a copy of my orders for XXXX. I called the company and made my case. I was called a liar so I hired XXXX XXXX XXXX to dispute the file. Freedom could not provide or prove my identity so it was removed from my credit report. Problem solved right? No! 

Today XX/XX/XXXX. I received a credit alert that my score dropped 39 points. A law firm claiming that I owe military credit services over $ 9k. Called.. amazingly someone answered. This account was sold from Freedom to another company security credit services ( who never contacted me ) and sold again to Military credit services and now sold to another company XXXX XXXX XXXXXXXX XXXX. 

16 years later from {$2100.00} to over {$9000.00} and can not prove ownership. Yes they have my information, but I wasn't even in the country at the time of purchase. How is this legal?????
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX
Product: Debt collection

On XXXX XXXX, 2017 I sent a certified letter to have an alleged debt validated. Company failed to respond and validate the alleged debt, but still continue to report to the credit bureaus.
Product: Mortgage

I have made atleast XXXX calls a day to all numbers I have been able to find by other people having issues. The loan server is currently down or hacked and I have been unable to speak with anyone over the phone, the company has no known statements or resolution, and I am afraid that this will negatively impact my credit as this is out of my control.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to resolve these issues directly with Experian, they have consistently failed to meet their legal obligations, causing significant harm to my credit standing, financial stability, and emotional well-being. 

Complaint Details : XXXX. Failure to Properly Investigate Disputed Information ( FCRA Section 623 ) : On XX/XX/2024, Experian conducted an investigation regarding account XXXX XXXX XXXX. They reported on XX/XX/2024 that my credit report was not changed as a result of their investigation. Experian claims that XXXX certified the information as accurate. However, Experian has failed to : a ) Provide me with the documentation used to verify the debt, as required by the FDCPA. 
b ) Conduct a proper investigation of the disputed information. 
c ) Report the results to all nationwide consumer reporting agencies, as required when information is found to be inaccurate or incomplete. 

XXXX. Failure to Verify Debt ( FDCPA Section 1629g ) : Experian has not provided proper verification of the debt as required by law, including : a ) Proof of my agreement to pay the original creditor. 
b ) A copy of the final account statement issued by the original creditor. 
c ) A detailed breakdown of the total amount due. 
d ) Documentation for each charge, including dates and bases for charges. 

XXXX. Reporting Disputed Information : Despite my formal dispute of this debt, Experian has continued to report it to credit reporting agencies without noting that it is disputed. This is a clear violation of both the FCRA and FDCPA. 

XXXX. Failure to Protect Consumer Information : Experian 's actions have exposed my private information and failed to protect my identity from fraudulent use. 

These violations have resulted in : - Inaccurate information on my credit report - Potential denial of credit or increased interest rates - Emotional distress and damage to my financial stability - Exposure of my personal and financial information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lease with XXXX XXXX and they are destroying my credit. 

My payment information is incorrect. My name is mis-spelled. I have tried to correct it numerous times with the company. This has led to endless confusion. 

They have reported that I have been delinquent on payments. 

I am attaching an excerpt from my billing statement from XX/XX/2022, which was a month where they claim I was delinquent past 30 days. I can supply the full statement if necessary. 

At the bottom, it shows that the total amount due as of that statement is {$0.00}. Yet that same month they reported me for being delinquent. 

I've called them and spoken to senior managers who claim they " are not able to access my statements '' due to " system issues ''. Multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN RESPONDED TO A COMPLAINT MADE ON XX/XX/2023 WITH RESULTS OF XXXX XXXX XXXX RESPONDED ACCOUNTS ARE TO REMAIN AS IS. THIS IS A REQUEST TO INFORMATION ABOUT THE FOLLOWING THINGS : 1. WHO DID EXPERIAN SPEAK TO ABOUT THE ACCOUNT. 2. WHEN DID EXPERIAN SPEAK TO THEM REGARDING THE ACCOUNT. 3. WHAT IS THEIR TELEPHONE NUMBER. 4. PROVIDE COPIES OD DISCLOUSURES THAT WERE PROVIDED WHICH GAME PERMISSION TO REPORT. THERE WAS NO RESULT SUMMARY AS STATED ON XX/XX/XXXX. 
EXPERIAN IS NOW IN VIOLATION OF USC 1681 602 ( RIGHT TO PRIVACY, I DO NOT WANT THIS ON MY CREDIT REPORT ) 1681 604 ( I DO NOT WANT THIS ACCOUNT ON MY CREDIT REPORT, I HAVE NOT GIVEN WRITTEN INSTRUCTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting unverified debts on my credit. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally reporting alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. I do not consent to e-Oscar or any means of automated verification.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC1681 c-2 ) that you, TransUnion, Experian, and Equifax credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXXXXXX XXXX XXXX, and various collection type accounts opened at XXXX, and XXXX XXXX XXXX. This has also resulted in over 20 fraudulent hard inquiries appearing on my consumer FICO credit report. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud
Product: Mortgage

XX/XX/XXXX I home has been finace with Wells Fargo Mortgage since XX/XX/XXXX. I finance my home for 15 years so my mortgage will be paif off in XX/XX/XXXX. This year m home will belong to me. Imagine my surprise when I receive a letter today XX/XX/XXXX stating my loan has been transferred to a XXXX XXXX. Who or What is a XXXX XXXX? What banks trnsfer your loan when it will be paid off in nine months. Tis is just another way to get my money out of money. I have never trusted Wells Fargo. I pay {$1500.00} and my loan should not be transferred. I want my loan to stay with Wells Fargo where it has beed for over fourteen years. Why Transfer my loan now? Will there be extra fees? I did iginate this transfer. I have attached a copies of the letters XXXX received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report from  XXXX  and experian showed an account from  XXXX   XXXX  that is NOT mine. The account was deliquent and affecting my credit. Could not open a bank account. I disputed it over 45 days ago and got an email from  XXXX  stating it was deleted. I tried opening a secured credit card with  XXXX   XXXX  but got denied because of the misinformation from credit bureaus stating that i have deliquent account which is not mine
Product: Credit card or prepaid card

I regret having made a {$830.00} dollar order online thinking I would get quality customer service from your XXXX store. 

I made a online purchase on XX/XX/XXXX for an installation of an XXXX XXXX and was told by the installation department they would not be able to perform the install. I was instructed to cancel the order. I did so and only received a partial refund of {$670.00}. 

I called the XXXX store asking for help and spent XXXX hours being transferred, put on hold and eventually hung up on by the Digital department. I spoke with another department and a lady with a difficult to understand XXXX  accent was very rude and hung up the phone.
Product: Money transfer, virtual currency, or money service

Chime bank also known as the XXXX bank allowed money to be taken from my account fraudulently and dont want to refund my money when Ive submitted all the documentation needed which clearly shows I had no knowledge of the transaction and yet the refuse to reimburse me which seems to be a common tactic for them based on reviews
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Balance XXXX
Acc# XXXX
Opened XXXX
Closed XXXXXXXX


XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, MA XXXX XXXX XXXX
Balance XXXX
Acc#XXXX
Date opened XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company denied me an apartment rental. XXXX score from XXXX XXXX was used to decide on approval. I have no evictions in my credit history and have never been denied an apartment or home ; informed by creditors in the past that XXXX XXXX credit scores are not considered as being a legitimate credit scores due to incorrect credit score reporting. I have always had my approval based on XXXX credit scores.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # xxxxxxxxxxxxx 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: Student loan

I graduated from the XXXX XXXX in XXXX and am not currently enrolled in any higher education institution. I spoke to XXXX at the US Department of Education Federal Student Aid Information Center at approx. XXXX on XX/XX/XXXX. During that call, he told me that any payment made during repayment status with FedLoan could count towards PSLF, regardless of my NSLDS enrollment status. On XX/XX/XXXX, XXXX from Fedloan Servicing sent me an email appearing to contradict this by stating that any payment made during an in-school status would not count towards PSLF. Additionally, XXXX also stated that he did not believe form SDWFR-XBCR would not solve my issues. As a result of these two different answers, I do not understand whether my prior and future repayments can count under PSLF. If my status is still in-school, and my payments do not count towards PSLF, I don't also understand how I can even be in repayment status ( instead of in-school deferment ). I also feel powerless to correct this issue.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. XXXX and remove it. 
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

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, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

Person has come to my job looking for me and threw my documents on the office floor with all my personal information.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Not updated as agreed to reflect paid in Full Collection need to be completely removed off report XXXX XXXX XXXX Aldous and Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a car and I have requested to remove the freeze or Alert from my credit report. I have requested that my freeze be removed permanently for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX, SS XXXX PHONE XXXX. I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all security freezes at once.
Product: Debt collection

Sunrise Credit refuses to talk to me because they " can't find my account without the account number '' and has placed a fraudulent debt on my credit report which I can not dispute because they can't find their own account number.