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

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX  has me at a credit score over XXXXtransunion  has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX say I have good credit. What the XXXX 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 XXXXThis 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have asked XXXX, Experian, and XXXX multiple times to provide me with the results of the investigation done by their company to ensure that my credit report is reporting XXXX percent accurate. XXXX Experian, and XXXX are breaking federal law by not providing me with this information. it is XXXX 's Experian 's, and XXXX 's duty to take reasonable procedures to insure they are reporting XXXX percent accurate. I have asked the companies to provide me with their method of verification which must include periodic statements and notices mailed 21 days before the payment is due and also include personal interviews from neighbors, friends and associates that, shall not include specific factual information. I have not received a copy as proof from any of the Credit Bureaus. XXXX Experian, and XXXX is causing actual damage to my reputation as well as emotional distress.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft the following accounts are fraudulent I have put up a list of things inaccurate and unauthorized showing below with an police report ftc report with my drivers license and XXXX pieces of mail with my social security card and the letters I have repeatedly sent all three credit bureau
Product: Credit reporting or other personal consumer reports

There is a collection on my XXXX credit report for Kingston Data and Credit who is reporting a debt for XXXX XXXX. I have requested in writing validation of debt from Kingston and the address provided to me from XXXX has been returned as undeliverable. I will submit proof of the returned mail. In addition this debt collector is illegally collecting as they are not licensed to collect in California. This is required by the CA Financial Protection Law.
Product: Debt collection

I have consulted and entered into a debt counseling agency XX/XX/XXXX. The debt counseling agency has been helping me settle my debts and Wells Fargo credit card is one of the accounts. 

I also have a checking and savings account with Wells Fargo Bank. The debt counseling agency has been in communication with Wells Fargo over settling my credit card debt. 

I received a summons from an attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXdated XX/XX/XXXX This summons was given to Debt counseling agency and they are working with Wells Fargo. Wells Fargo ignored the debt counseling agency 's negotiations and not willing to work with the debt counseling agency so in turn they garnished my ENTIRE paycheck including my wife 's. 

XX/XX/XXXX, Wells Fargo garnished my ENTIRE paycheck and also my wife 's paycheck and left us with {$1000.00} to live on. I have a house mortgage, utilities, food that I am not able to meet to survive and now in financial hardship. They went into our checking account and savings account and took a total of {$2600.00} all in one chunk. Wells Fargo did not notify us that this will happen and ignored the debt counseling agency 's negotiation.. 

I am in utter emotional distress that Wells Fargo was able to do this when we are in a debt counseling agency and willing to pay Wells Fargo for my debt incurred. Wells Fargo jumped the gun, was greedy and just wanted to take the money without regard for the consumer and their personal living expenses. 

According to the garnishment law, they are suppose to only take no more than 25 % of the paycheck and not entitled to take the ENTIRE PAYCHECK and my wife 's too. Because we have a joint bank account they helped themselves and stole all our money. 

It is criminal Wells Fargo Bank would help themselves to our bank account. I will no longer bank with them since I know they are under criminal investigations for other bank fraud. I also checked my account and now they charged me for hidden charges which leaves my account at a negative balance. The attorney working with the debt counseling agency knows who we are.so I am not attaching any documents. Please help me get our many back from this scrupulous, dishonest, shady money hungry tyrants.
Product: Checking or savings account

Fraud activity happened on my TD bank account. I called in immediately and responded to their text as well and chose the fraud option for the transaction to be declined. It wasnt declined. When I went to check my account. XXXX dollars was used before I got a single notification from TD. After I called in to TD they declined my claim in 1 day. 2 times they did not even look into it. The woman said. I used one of the merchants in the past so they wont approve it. Like bro your job is to protect my money you did a terrible job and now Im out XXXX? I will be taking legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

On all   XXXX   credit reports, ( and this is the second time this has happened to me  ), I am car shopping and they are only supposed to  run it through a maximum of  XXXX  companies and it continues to be ran through multiple agencies until I have a tremendous amount of inquires for several different financial institutions.  XXXX   XXXX  this time and there was a great deal through  XXXX  last time that were never removed. Do n't they have to have permission to send it through that many people?? I did not authorize it and it is ruining the credit I was trying to build. Please let me know.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  F there should be a max of  XXXX  on there. I allowed  XXXX  from  XXXX ,  XXXX  from  XXXX   XXXX  and then I ended up buying a car from   XXXX   XXXX  . How do I fix this???
Product: Credit reporting or other personal consumer reports

I have frozen my reports through LexisNexis and received a form with the pin confirming it was frozen. I tried to get a XXXX quote and a few days later received an email from XXXX stating I did not receive the best quote due to information it pulled through LexisNexis.
Product: Debt collection

This company claims that I owe them {$980.00} which I do not owe to them. I never received good or services from them nor did I sign a contract with them. They are trying to extort money from me and unlawfully reporting negative information on my credit report as of XXXX. I spoke to the supervisor who also stated and agreed that I do not have an acct with them. I have no contract with this company nor do I know who this company is. This is harassment and their tactics are unlawful.
Product: Debt collection

I saw a debt owed on my credit for {$540.00} I called and told them they had not sent me notifications in reference to the debt I asked for a manager and was told a manager would call me back in 48 hours I have yet to receive the call. I also asked for the first and last name of the rep she told me her first name then said she didnt have to tell me her last name and hung up. I told them this is not my debt as well as the other debt that they have in their office because my id was stolen. On the second debt they sent me validation but no where is my signature on the paper and it is not my debt due to my Id being stolen around this time. I am requesting they remove the debt from my credit report and send me validation with my signature on the paper. Also I am requesting for future reference and per the fair credit reporting act before they put the information on my credit report to notify me in writing as they have my correct information because they have had another account in their office for over a year which is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX /2017, A new collection account appeared on my Experian credit report. Reported by agency   XXXX   XXXX   XXXX  . (  XXXX  ) in the amount of {$88.00}. Original Creditor was  XXXX . I did have an account with  XXXX , but was paid in full when i closed the account and switched providers. I never received any bill, call, email or any notification that I still owed  XXXX  anything. On  XXXX / XXXX /2017, I contacted  XXXX  by telephone and was informed that I owed for an unpaid amount. I asked why I was never notified of this debt by either agency, and was informed they didnt know, and that I should have definitely been billed or contacted. I was also informed that   XXXX   had given   XXXX   the contact phone number I had originally provided when I signed up for their services, which has not changed, so I know that had they wanted to, they could have easily contacted me. Had I known they wanted more money, Id likely have paid them immediately as I have been working on my credit. No attempts in any format were made by  XXXX  or  XXXX  to contact me and inform me of any outstanding balance. My phone number has not changed, and I am rather easy to contact. Fair notice was not given to me by either company before this mark was added to my credit report.
Product: Debt collection

Couple years ago, I took in credit 2 phone from the store XXXX, New Jersey, XXXX. This phones were from the XXXX and in about 5 days I returned them in a legal amount of 15 days which was the policy for returning and I changed to XXXX. In the next couple months I found out that the XXXX did not complete the transaction. So, I returned back to the store with the receipt which they gave me for returning the XXXX phones and changing to XXXX. They made a copy of the receipt and said that they called XXXX and correct everything and I suppose not to have any problems. But couple days ago I discover I do have a collection on my credit history and this came from XXXX. But after all this years I can not find already the receipt.
Product: Checking or savings account

I wanted to accredited my fandual account for {$60.00} but the company claimed it was denied by my bank. The funds was still taken out but never accredited to my fandual account. They told me to contact my bank. I filed a dispute and my account received a temporary credit by my bank. I then received an email from my bank on XX/XX/2021 stating they will be removing the credit because I was at fault l. I then ask my bank for the document that shows me at fault. The document i received was the bank just approving the charge out of my bank which is why i filed the dispute in the first place. I called and spoke to supervisor at capital one 360 bank and he was very rude and stated for me to send my documentation to XXXX. I then received an email from that email stating they can not help me today XX/XX/2021. I then called the bank again which lead to no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Considering recent investigations brought upon Equifax. I find that my consumer file has been irresponsibly tampered with and neglectful, because Equifax hasnt exercised their grave responsibilities as evidenced by the inquiries theyve allowed into my consumer report, the XXXX data breach, the recent revelation that Equifax has damaged millions of consumers by sending erroneous scores, as well as the continuous reporting unverified accounts on my consumer report. Over the past years I made several attempts to remind Equifax of their duty pursuant to 15 USC 1681 my most recent was XX/XX/XXXX, and they did nothing but ignored my disputes and requests. 

Lets be clear, as a consumer, I am federally protected under Title 15 Chapter 41 and Title 15 Chapter 94, and it saddens me to know Equifax takes pride in violating basic consumer rights. According to the CFPB credit reporting and voluntary and always has been. Pursuant to 15 USC 1681a ( 3 ), Equifax assumed their role in assembling and evaluating consumer credit and other information on consumers. Equifax would need my expressed permission to furnish any information on my behalf on my consumer report. I DID NOT give Equifax and consent to report or furnish any information on my consumer report. I have a right to privacy and Equifax did nothing but invade It, by allowing 3rd party companies to access my private and personal information. Which are also violations of the Gramm-Leach-Bliley Act referenced by 15 USC 6801 and 15 USC 6802. 

I have attached a copy of Equifaxs Data Sharing Policy. On page 3 under section Consent it states, Equifax shares personal credit data with organizations that have the data subjects consent to request, receive and use it for the particular purpose ( s ) for which it will be used. Please show me Equifax where I XXXX XXXX gave you guys written consent w/ my signature to furnish things on my consumer report, because to my knowledge you guys will have to keep record of that. 

This is NOT a dispute, you do not need to reinvestigate these accounts, as a consumer I feel humiliated by the derogatory items Equifax furnished on my report without my consent. I am asking that you remove these items immediately please :
Product: Credit reporting or other personal consumer reports

They have multiple names, addresses, phone numbers that need to be removed. They will not give me the results of my dispute. They have locked me out of my account and are demanding payment for something I never signed up for. There are multiple inquiries that are not from me. I have been unable to speak with anyone about any of this. I am concerned that they are selling my information to third parties and they did nothing when I said I believed I was a victim of identity theft. I was affected by the XXXX breach and need them to do their job.
Product: Mortgage

I APPLIED FOR MORTGAGE AND I WAS TOLD THAT I WAS DENIED INFORMALLY THROUGH EMAIL COMMUNICATION WITH A SENIOR BANKER AT ROCKET MORTGAGE. 

THEY HAVE REFUSED TO PROVIDE ME WITH THE DIRECT REPORTS THAT INDICATE A LOWER CREDIT SCORE THAN RECEIVED DIRECTLY FROM THE CREDIT REPORTING AGENCIES THEMSELVES. 

I can not find the disputed accounts on either Bureau with my reports and I have not disputed anything. Perhaps it says previously disputed, customer disagrees but closed from a long time ago. But I can't find the accounts he mentioned. 

" YET I BELIEVE THEY ARE ALTERING THR SCORE AS THEY ARE SIGNIFCANTLY FLUCTUATING BETEEEN VARIOUS LENDERS AS I HSVE ACCESS TO THR VARIOUS SCORE MODELS. '' THEY HAVE COME UP WITH ONE EXCUSE AFTER THE NEXT ... REQUIRED A SIGNIFICANTLY HIGHER DOWN PAYMENT THAN REQUIRED FOR FHA LENDING.

ITS LIKE SOMEONE WROTE STUPID ON MY FACE AND JUST WANTS TO TEST ME EVERY CHANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX  have yet to respond to disputes I have been sending since XX/XX/2020! Under the law you are supposed to provide results and there are serious errors on my credit file with Late payments and negative items. I am unsure why you are not responding at all but these need to be deleted and not ignored. I have tried to call you guys and I can not reach any either. 
Please provide me results for the 3 disputes I have sent you!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) SSN : XXXX DOB : XXXX Phone Number : XXXX XXXX XXXX Experian Subject : Formal Dispute of Erroneous Account Reporting Dear Experian, I am writing to formally dispute the reporting of an account on my credit file with XXXX . The account details are as follows : # # # Account Details- Account Name : XXXX XXXX - Account Number : XXXX - Account Type : Sales Contract - Responsibility : Individual - Date Opened : XX/XX/XXXX - Status : Account charged off. {$84.00} written off. 
- Status Updated : XXXX XXXX - Balance : {$0.00} - Balance Updated : XX/XX/XXXX - Terms : 6 Months # # # Disputed Errors The information reported regarding this account is inconsistent and lacks crucial details, which I believe violates the Fair Credit Reporting Act ( FCRA ) : 1. Contradictory Information : - The account reflects a status of " charged off '' with an amount of {$84.00} written off, yet it also shows a balance of {$0.00}. This contradiction raises questions about the accuracy of the reporting. 

2. Missing Information : - The account does not provide any information regarding the original balance, highest balance, recent payment, or monthly payment. This lack of information is concerning and does not comply with the requirement for credit reporting agencies to maintain accurate and complete records. 

3. Illegally Reported Written Off Amount : - It is unclear how the account can be reported as charged off for {$84.00} while simultaneously indicating an original balance of {$0.00}. This discrepancy suggests that the data has not been adequately verified, and it raises significant concerns about the validity of the account. 

# # # Requested Resolution To resolve this matter, I request the following actions : 1. A full investigation into the reporting of this account to ensure its accuracy.

2. Correction or deletion of the account from my credit file if it can not be verified as accurate and compliant with FCRA standards.

3. Written confirmation of the actions taken regarding this dispute.

# # # Supporting Evidence I am prepared to provide any relevant documentation that may assist in this investigation. Please feel free to contact me at the phone number or email address listed above if additional information is needed.

# # # Closing Remarks I expect prompt action to investigate and resolve this matter as required under the FCRA. If this issue is not resolved in a timely manner, I may pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies. 

Thank you for your attention to this matter. I look forward to your response within the 30-day timeframe outlined in the FCRA. 

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

I had a hard inquiry from capital one. Ive never done business with them and never contacted them. I tried reaching out to figure out what happened and instead of transferring me to the appropriate department the person I spoke with wanted my Social Security number. I dont mind Supplying that information to the single appropriate person. I need to speak with, but not every person along the way. The person refused to transfer me. I need to know how the inquiry happened, whether someone was impersonating me or not. And I need the inquiry removed from my credit.
Product: Credit card

This account is invalid. WELLS FARGO CARD SERVICES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 



WELLS FARGO CARD SERVICES XXXX, WELLS FARGO CARD SERVICES XXXX, XXXX CARD XXXX, WELLS FARGO CARD SER XXXX
Product: Credit card

First off I have Nearly Perfect Personal Credit. Scores Above XXXX FICOs. I submitted an application for a Business Credit Card for My 100 % Owned LLC. PNC Bank asked for my SS Number and TAX ID Number for this submission. After taking nearly and entire Month and few days of requesting Nearly every single bit of documentation and interviewing with Several Bank Officers both in-person and over the phone, they decided to Decline My Application. The reason was because they wanted me to move {$100000.00} or more into their Bank from my main operating account before they would Consider Approving Me.?? 

I have Never heard of such procedures. Truthfully, I had no response to this ridiculous posture they had taken. I need someone to look into this UnFair Practicing of Lending, Credit access should be Fair and above Board. Not hidden. Here 's a quote directly from a Branch manager [ XXXX XXXX ] in XXXX Florida regarding the Credit Card Denial : " Regarding the business credit card, as previously mentioned, we are a relationship bank. We can submit an application, but approval is not guaranteed. Our policy requires prospects to bank with us for a minimum of 4 months to establish internal credit stability. '' This Torture began in the beginning of XXXX in 2024 [ XX/XX/XXXX to be exact ]. They denied both my Credit Card Application as well as Line of Credit Access. This Process ended sometime in the XXXX week of XXXX of 2024. Reference # XXXX
Product: Debt collection

Yes this account was in litigation. I took them to arbitration to win in default and the amount XXXX was {$500.00}. This company has not taken this account off my credit report the whole time it was in litigation. They have violated my rights as a consumer. This account should not be showing on my reports if I won in litigation. Credence Resounce Mana should not be on my credit report they have violated my rights I took XXXX XXXX XXXX to litigation yet again
Product: Credit reporting

I am trying to re access my free credit report so that I can print a hard copy. I ran out of ink the first time and was unable to print out on the spot. Please guide me through where i need to go to put in my report # and report date.