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

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have 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 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 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is a victim of ID theft. His information was used without his consent to apply for an account with XXXX/XXXX  's. The account was not opened however the application yielded a fraudulent related inquiry on his XXXX credit report XX/XX/XXXX. An official dispute of this inquiry was sent to XXXX/XXXX 's XX/XX/XXXX via their fraud department fax number however as of this date they have failed to remove the fraudulent information from the credit report, which is a violation of the FCRA.
Product: Vehicle loan or lease

In a recorded communication, A representative from Capital One offered me to remove the fees from my payments if I paid the loan in full. I made the full payment of my loan but they refuse to honor their promise.This is clearly fraud. Now, what they did when I called them to request the credit they promised me .... they rejected my payment and threatened me with repossessing my vehicle. I need your assistance in resolving this issues and also helping other from being victims of these fraudulent companies.
Product: Vehicle loan or lease

I had filled out an application with Autopay XXXX XXXXXXXX to get a car loan however when I called them 7 minutes after my application had gone through and one lender already denied me. I spoke to XXXX and he gave me two options : That he could take my application out of the system or to just allow my application to go through to other lenders and they would discuss further options. I opted to have my application taken out of the system. That's when XXXX had told me that he could send my application to customer decline offer and I would no longer receive phone calls and nothing else on my application. This morning another inquiry was made on account from XXXX XXXX, which could only have resulted from my application with Autopay XXXX XXXX, and lowered my credit score in the process.
Product: Student loan

1. XX/XX/XXXX : I submitted employment verification to FedLoan for employment at XXXX for period XXXX - XX/XX/XXXX. 2. XX/XX/XXXX : I received an updated count for payments which did not reflect either XXXX as an employer or the period of employment from XXXX - XX/XX/XXXX. 3. Instead, an employer XXXX XXXX XXXX XXXX  ), for which I worked XXXX, was listed a second time for period XX/XX/XXXX - XX/XX/XXXX. 4. I did not work for XXXX XXXX XXXX XXXX. During that Period, I was employed by XXXX XXXX in Pennsylvania. 5. So instead of adding a year of employment history for the period which I was in repayment, which would give me more time towards eligibility for XXXX under the waiver, I was given 1 month. 6. I checked the FedLoan website, was able to see a copy of my employment verification form, and verified that I submitted the form from XXXX correctly. 
Thanks
Product: Credit reporting or other personal consumer reports

I h

aver 2 account that's is reporting 2 late payments on each account which is INCORRECT. I reviewed my consumer reports and noticed that I had 2 late payments on 2 different accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of several fraudulent accounts that have appeared on my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these fraudulent items removed. 
The following accounts were opened without my authorization and are fraudulent : XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXXXXXX  Amount : {$0.00}
Product: Mortgage

Back on XX/XX/XXXX I was closing a refi with quicken loans. On the XXXX of XXXX I called my broker to have him explain fees. I was prepared to move or cancel the closing. I was told that XXXX would be paid to the insurance company for the XXXX policy year. 
I just found out they never Paid it, I called and XXXX XXXX opened an investigation and even though he heard the phone call where my mortgage broker old me he was paying the insurance he said that was put in " I pay before closing column '' and he could not pay it, so basically they stole XXXX from me if I knew it was my cost I would have backed out of the loan and when with a different company.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I, a consumer and natural person, was denied credit by Wells Fargo when I applied for XXXX XXXX XXXX. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C 1692k. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was XXXX  against by XXXX XXXX XXXX due to the response I received. XXXX XXXX XXXX is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit WAS NOT issued. Also my social security number ( credit card ) was used and I received NO benefit. This constitutes fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX XXXX according to law.
Product: Checking or savings account

I experienced a {$200.00} Cash App scam and Wells Fargo initially reversed the charge. During Wells Fargo 's investigation, I felt confident the funds were secure and appreciated their responsiveness. However, three weeks later, I received a request for additional information to continue the dispute. I am disappointed that the funds, which I believed were rightfully mine, may be reclaimed. This creates uncertainty regarding Wells Fargo 's dispute resolution process and raises concerns about the reliability of their guarantee. Why initiate a dispute if the reversal isn't guaranteed? My recommendation is to thoroughly review the dispute process before crediting the funds, as the outcome is not always certain. This situation feels like a double scam, first by XXXX XXXX and now by Wells Fargo 's potential reversal of the credited funds.
Product: Debt collection

I keep disputing and requesting original signature or proof. It was me personally. However, these entities are steel affecting my credit score, and it is completely against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continuously reports inaccurate information on my credit report, including a bankruptcy after requesting proof of validity and verification multiple times. 
I followed their processes and disputed this inaccurate information multiple dates including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX via certified letters and by following their disputing process online as well.

Transunion has no right to maintain information which the government has deemed nonexistent. Inaccurate information or case, civil or otherwise, which is dismissed and was not adjudicated.

Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, XX/XX/XXXX is refusing to delete this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXXXXXX Balance : {$21000.00} ; Medical XXXX : {$56.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX 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: Debt collection

XXXX-XXXX  previous number here is the recording of the supervisor admitting to violations set forth to protect the consumer. They lied about several attempts from me before me trying to fix this and I stated under the FDCPA they are in violation as well as I have disputed all of there stuff with the credit bureaus and sent the recording to them, to show they are in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/1921, I disputed Accounts for XXXX XXXX XXXX and received results directly from them showing one account ending in XXXX with a result not in compliance with Federal guidelines under FCRA because the results were : All of the account details we reported are accurate. Thats it nothing else. Am I to take their WORD for it? Guidelines require much more than a TRUST US WE ARE REPORTING IT ACCURATELY Disputed on XX/XX/21, submitted with a 609 letter. Result letter dated XX/XX/21, Disputed XXXX XXXX XXXX account ending in XXXX. Sent 609 letters and 611 letters. Account XXXX disputed XX/XX/21, result : All of the account details we reported are accurate. Thats it nothing else was verified.The next thing I sent was a 611 letter that requires the bureau to indicate lots of details that include, name, contact source of the info, how they obtain the details, including tools and methods used. I got nothing. This is what they did illegal. When I submitted supporting documentation showing the first result which offered nothing but their WORD see attached-result was All of the account details we reported are accurate. Account XXXX : XXXX-dispute submitted XXXX credit report pulled by XXXX XXXX XXXX XXXX-Bureau updated Account XXXX : XXXX-dispute opened XXXX- XXXX XXXX XXXX pulled XXXX report. XXXX again accepts this result Allowing them to continue reporting an UNVERIFIED ACCOUNT. The result was clearly unverified and should have been removed XX/XX/21. Next step will be a small claims lawsuit especially since this is obvious fraudulent practices especially pulling my XXXX report to get balance on charged off XXXX accounts because they dont have them anymore cant verify. I noticed after I submitted that they pulled XXXX reports they didnt do it again! What would they need to pull XXXX reports to complete a dispute for????
Product: Credit card

Sams Club MasterCard advertises XXXX % cash back on all purchases, w/ XXXX % on fuel, and XXXX % on dining and travel. For my statement ending XXXX/XXXX/17 I had purchases totaling {$4000.00} and yet they awarded me a meager {$27.00} in rewards. They 're not following through with their advertised promises. Not only that, I 've been a plus member for years & that 's supposed to get me even more in cash rewards.
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 XXXXF XXXX : 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 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, credit repair services, or other personal consumer reports

Dear CFPB, There is a Collections account on my three credit reporting agency reports that is either not mine or is reporting seriously incorrect information.

It is XXXX XXXX XXXX with an open date of XX/XX/XXXX.

Last year, I contacted the three Credit Reporting Agencies about this collections but all they did was note that I am disputing them. They have not corrected or deleted them. Also, the collections agency did not respond to my request for validation.

I know for sure that I have not defaulted on any debt for since I went through a divorce in early XX/XX/XXXX. For six years, I have made all my payments on time.

I am worried that this collections is either not my debt or has been re-aged by the collections agencies. This practice of re-aging is a very serious violation of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 5 ) Duty to Provide Notice of Delinquency of Accounts ( B ) Rule of construction. For purposes of this paragraph only, and provided the consumer does not dispute the information, a person that furnishes information on a delinquent account that has been placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency I do not know what else to do. Can you please assist in me in getting this erroneous collection report removed from my three credit reports?

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I realized that there were some damages on my credit report. I have already been in breaches and I thought you were going to protect my information from there. This is A Defamation of my character because it is affecting my livelihood. Now me and my family are being impacted emotionally and mentally. According to 15 U.S.C AND 1681 You have broken the law because these damages are fraud and I am trying to move forward
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. 

UNAUTHORIZED INQUIRIES : XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

Starting from XX/XX/2018 Transunion has continued to incorrectly report my two accounts at XXXX XXXX XXXX as closed by my request. I have disputed this information as incorrect multiple times, do to the fact the accounts are not closed, to date they are still reporting incorrect. I also called my credit card company who verified the status is incorrect. In return this is impacting my credit score.
Product: Debt collection

Despite previous attempts to rectify the situation, the inaccurate information continues to reflect, indicating a lack of investigation and resolution. It is frustrating that these inaccurate reporting were severely damaging my financial standing and creditworthiness. I wonder what investigation you are doing that these inaccurate late payments keep on tarnishing my credit report. 
I want these accounts to be updated accurately : XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

It is disheartening to see that despite my previous attempts to escalate and rectify this issue, there has been no visible effort to address the ongoing inaccuracies. I am sure you can appreciate the impact such inaccuracies can have on my creditworthiness and financial standing.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that I had some inquiries and accounts that i didnt authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was previously a victim of theft a few years back due to the misplacement of my wallet with all of my private information inside, in florida around the holiday season. Back then in that time I went through an entire meltdown, worrying if someone would commit crimes using my identity, or do something that they have no business doing. It caused my hair to fall out because of the amount of stress I was under. If you've dealt with this before you would know and understand the amount of strain it puts on you. Since then, I have made sure to carry a cross over which allows me to know where my stuff is at all times. Anyway, I noticed things on my credit file back then like I have noticed now, that is in correlation with florida 's incident which brings me to why I am writing today. I am needing to delete this stuff off my credit. I am a victim of identity theft and am asking for the items to be deleted to correct my file. I am overly exhausted with dealing with this and need this to be removed. I also already reported it to the Federal trade commision, not sure how important it was but I just did it to be proactive rather than reactive.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Received notice from XXXX XXXX of a newly added debt collection from Midwest Recovery Systems opened on XX/XX/20 in the amount of {$1800.00} I never had a loan in this amount. I have not received a phone call or any written communication regarding this so called debt. It simply appeared on my credit report. 

Very unfair - especially in a nationwide shutdown!!