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

You continue to report this account status as " Petition for XXXX XXXX XXXXankruptcy '' and as a charge off when it should be reported as paid in full or deleted. I have talked directly with XXXX XXXX XXXX and they have confirmed the status of paid in full no charge off and no Petition for XXXX XXXX Bankruptcy. I have included the letter from them as well. I have been denied a mortgage and numerous credit opportunities because you continue to lie and say you have confirmed this with them. Under the fair reporting act my next step is to sue you if you do not fix this immediately. 

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Petition for XXXX XXXX Bankruptcy. 
Status updated XXXX XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$2500.00} Highest balance {$1700.00} Terms NA
Product: Credit reporting, credit repair services, or other personal consumer reports

Under Law ( 15 usc 1681a2 ). All three-credit bureaus have been falsely reporting an account from XXXX XXXX XXXX that should not be on my credit report. I never done any business with this company ; nor did not give written permission to have this account furnished on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION DID RESPOND TO MY XX/XX/XXXX CREDIT DISPUTE ON XX/XX/XXXX BUT DID NOT GIVE ANY REASON FOR NOT TAKING ANY ACTION. I PROVIDED SPECIFIC REASONS AND PROOF FOR XXXX XXXX  INCORRECTLY MARKING THE XXXX, XXXX PAYMENT ON LEASE A/C # XXXX AS THE BANK RETURNED THE TIMELY PAYMENT MADE ON THE ACCOUNT IN XXXX, XXXX. NO REASON GIVEN. THE CO-LESSOR, MY SON XXXX XXXX, MADE THE PAYMENT ON A TIMELY BASIS. XXXX XXXX  RETURNED THE PAYMENT INCORRECTLY WHICH CAUSED THE DELINQUENCY. TRANSUNION DID NOT PROVIDE ANY REASON WHY THE BANK RETURNED PAYMENT. THEY DID NOT PROVIDE ANY DETAIL OF RESEARCH OTHER THAN TO SAY THEY WILL CHANGE NOTHING.
Product: Prepaid card

When first opened the account there was a preference about whether I wanted to be on fee plan or pay as you go I check the box next to fee plan as I did n't want the pay as you go as it is costly. I looked at my statement on XX/XX/2017 because some transactions were not charging right and noticed they put me on pay as you go when I specifically asked for fee plan so I was charged over a {$100.00} in fees last couple of months. I quickly went into their site and made sure I was put on fee plan once again so far it is still what I requesred. Plus I made complaint to their site and someone who sounded more like a recorded message sent me a message stating what I did again yesterday in picking fee preference again but did not even address my issue with their sites mishap in first place in placing me on pay ad you or offering any kind of remedy.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) regarding issues with TransUnion 's credit scoring practices. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against TransUnion for Unfair Credit Scoring Practices Dear CFPB, I am writing to formally lodge a complaint against TransUnion regarding what I believe are unfair and inaccurate credit scoring practices that have negatively impacted my credit report and score. 

When XXXX XXXX was removed from my credit report between XX/XX/2024, and XX/XX/2024 TransUnion took XXXX points from me.when negative accounts are removed your scores are supposed to go up. Between XX/XX/2024, XX/XX/2024 an Fraudulent hard inquiry was removed from my credit report. Hard inquiries are worth XXXX points. All of my accounts are in good standing. Our credit system is broken. I've also noticed when you file a complaint against these companies, I fill that they are retaliating against consumers and that's not professional at all. I'm uploading screenshots so you can see what I'm talking about. 


The impact of these practices have had an negative impact on my creditworthiness and ability to secure loans or credit. 

I have attempted to resolve this issue directly with TransUnion such as disputing inaccuracies, contacting customer service, etc., but have not received a satisfactory resolution. 

I believe it is essential for credit reporting agencies to uphold fair and accurate reporting standards, and I urge the CFPB to investigate these practices to protect consumers like myself from any harm caused by inaccuracies and unfair scoring. 

Thank you for your attention to this matter. I look forward to your response and any assistance you may provide. 

Sincerely, XXXX XXXX XXXX If this matter isnt resolved myself and my Attorney are taking the next steps
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an copy of my credit report on XX/XX/2022 in which I noticed negative items that I have been requesting be verified for over 4 months. I have no knowledge of these accounts nor have I received any documentation bearing my signature in relation to them. I have sent multiple disputes to the credit bureaus as well as a FTC compliant in regards to these accounts not being mines. No investigation has taken place and I still see these accounts reporting on my credit report. 
XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXX These items are reporting inaccurately as well as showing different amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem all the way back to XXXX, when my bank, XXXX XXXX, made a {$10000.00} coding error on the check I had written to Bank XXXX XXXX to pay my monthly credit card balance : Bank XXXX XXXX received {$10000.00} less than what I had written the check for. For the next three years, I tried to resolve the issue through letters and phone calls, but without success. So I put the issue on the back burner, and just continued my practice of paying my credit card bill in full and on time every month, minus the {$10000.00} that was in dispute. 

The credit card was later taken over by XXXX, and a couple of years ago, I made XXXX last attempt to resolve the issue by writing a letter to XXXX explaining the history. I followed up on the letter and spoke with several different people at XXXX. However, I was told that there was nothing they could do, because the dispute arose when the credit card was held by Bank XXXX XXXX. They suggested I contact Bank XXXX XXXX, which I did ( by letter and phone calls ). I was told over the phone that the issue was a " dead end, '' because they only keep records for XXXX years, but the dispute arose in XXXX. There was never any response to my letter to Bank XXXX XXXX, so I made the decision to cancel my credit card, which I had first obtained in XXXX. I made my final payment of what I owed to XXXX ( minus the {$10000.00} in dispute ) and included a letter explaining why I canceled the credit card. For about XXXX months after that, XXXX continued to send me statements for the {$10000.00} and interest, but then they stopped -- and they have made no attempt to collect the money from me. 

I got a new credit card and went on with my life, assuming that was the end of it. I never thought about the impact this could have on my credit scores, because I have been debt free for more than 25 years, and had no intention of taking out any loans. However, I recently decided to explore getting a HECM, and that is when I discovered that this old, unresolved dispute had seriously damaged my credit scores. The mortgage broker told me that I may have to set up a Life Expectancy Set Aside ( XXXX ), even though I have always paid my property taxes and homeowners insurance premiums on time. 

It is very unfair that my credit scores have been damaged by a very old dispute that I tried for years to resolve, and that I am now told is impossible to resolve because the banks only keep records for seven years. So I am caught in a financial Catch XXXX. I am attaching photos of three of the key letters I wrote over the years. Any help you could give me to help me fix my credit scores would be greatly appreciated. Also, it is clear that the formulas for credit scores make no sense, when you have someone like me ( very responsible, no debt, substantial assets ) getting below-average credit scores.
Product: Credit reporting or other personal consumer reports

This has been an ongoing issue. This account has been removed off my credit report now its back on my XXXX report. I am a victim of identity theft and has sent this company all the necessary documents to remove this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Each year I download credit reports form the 3 major credit reporting agencies at XXXX. At least I attempt to download all 3 credit reports. XXXX and XXXX each download my free credit report without difficulty however, for the past two years EQUIFAX has asked security questions that do not line up with any of my personal information and when I correctly answer the security questions " None of the above '' I am denied a credit report. This has happened two years in a row. I called them last year, was told the problem was resolved and I would be able to download my free credit report " next year ''. Now it is " next year '' and the same problem is recurring. I called EQUIFAX again, was transferred around to at least ( the list is growing ) seven reps who all told me they were transferring me to the department that could resolve my issues. Each time I am transferred I end up connected either to an automated system that does not address the issue or to another person who claims ignorance of how to resolve the issue or of who I need to speak to in order to get the issue resolved. The last rep I spoke to says they are " aware of the problem and are working to fix it ''. For TWO YEARS? I call XXXX. I can not understand why EQUIFAX wants to make it difficult or impossible to collect the free credit report I am entitled to by law, or why they are apparently not working to resolve the issue.
Product: Payday loan, title loan, personal loan, or advance loan

I have emailed the company several times requesting information on what the Debt-income ratio is, minimum income for the loan amounts, the verification process for loans, and I can't get an answer. The only response I get is that signed the papers and it's what I owe. I will say this if I was given a loan I can't afford how can I be expected to pay it back?
Product: Money transfer, virtual currency, or money service

my venmo account has been telling me my account is suspended since XX/XX/XXXX. yet i haven't done anything that goes against their terms. i was paid {$860.00} on XX/XX/XXXX and venmo will not let me transfer the money to my bank. when i try to enter my bank yo transfer it just says " there was an error '' i have contacted them for the last few days and they email me back with emails on why my account could be frozen and that is all they have done for me.
Product: Prepaid card

I have received no less than five prepaid cards this year that I did not request. I do not have an open account with Netspend and I have not had one in about seven years. I keep getting cards over and over again. And I happen to know that this is not legal. I have emailed the president of the company, I have tried to complain on the Better Business Bureau website to no avail.

My concern with this is not only finding out it's not a legal practice, I feel that this opens me up to identity theft in a major way. Because any person that has access to my information would be able to open a card that is in my name. I have not only a prepaid card with a different company that I have been very happy with for many years, I also have a traditional bank account. I have absolutely no need for another prepaid account. I still have four of the five cards in my possession. They are cut in half but I kept the cards for the information on them. Just in case it was needed at a later time. But considering this is an illegal action, I am seeking out help to have this fixed so I will stop getting cards. I'm not asking for.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have been attempting to open a ally savings account for weeks! When i try online it said I need to go login into my old account from XXXX years ago. The phone number and email listed are both INVALID. I have called three times attempting to get this fixed. Every time they say they can not send me a code to my current number and someone from the risk team will call in 2 days. Well it's been 2 weeks and no one has returned my phone calls. Today I spoke with XXXX XXXX, who claimed this team cleared the cases but could not call me because of the hurricane, then she proceeds to try to send me a code and she still can not send it. I sat on the phone for 20 mins as she reached out to the " special '' team and then she came back and said i could hold or call back later.. Then she comes back and says they need to create another case. Like why should I have to call back? Your customer service SUCKS. YOUR BANK SUCKS!
Product: Credit card

XXXX XXXX in a partnership with Chase XXXX XXXX offered me a XXXX XXXX XXXX. 
A {$500.00} fee for the Credit Card and purchases of {$5000.00} in the first 3 months of opening the card includes XXXX XXXX privileges at airports and XXXX XXXXXXXX XXXX XXXX 
I accepted the offer and qualified the XXXX XXXX XXXX XX/XX/XXXX. 
Unfortunately, the {$500.00} XXXX XXXX purchase is not considered a purchase toward the {$5000.00} minimum for bonus skymiles. I therefore did not receive the bonus skymiles. 
I spoke with Chase on XX/XX/XXXX. They informed that my offer ended XX/XX/XXXX. There was no recourse according to Chase. 
I asked about canceling the credit card. Then finished the call with the call center representative in the XXXX. 
I then called Chase XXXX cards again XXXX minutes later on the same morning ( XX/XX/XXXX ). The call center escalated my call to a Chase representative in the United States. I was informed that the Chase/XXXX XXXX XXXX  account XXXX been closed. 
After insisting that I did not want the account closed, the representative also stated that, the XXXX XXXX were no longer available. 
I have purchased the XXXX XXXX annual Membership for {$500.00}. There is no wording in the Credit card XXXX or XXXX XXXX membership that requires an active Chase XXXX credit card. 
Not only was the credit card closed, when that was not requested, but the XXXX XXXX is void without an active ChaseXXXX XXXX XXXX 
If ChaseXXXX XXXX XXXX Credit Card XXXX XXXX XXXX entry should be honored since it was purchased for {$500.00}. 
Chase Credit cards will neither reinstate the Credit Card with XXXX  entrance privileges nor reimburse for the club membership if the card is closed and XXXX entrance privileges are void. 
Please reach out to Chase ( XXXX/chase.com/united ) On behalf of myself and other consumers to remedy unjust practices. 

Appreciatively, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen in 2017, filed a police report sent all necessary documents to all 3 Credit Bureaus, however all the accounts were investigated and removed, however 1 account appeared on my Transunion as a collection agency, Ive made several attempts to get removed, Ive even spoken with a very nasty and rude representative for Transunion who was worthless. As a consumer my rights and privacy are being compromised by Transunion which is unlawful. They cant keep an account on my credit report that was a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXXXXXX 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, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX,, ha

s 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: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccurate and incorrect information on my credit report, which I have addressed previously without resolution. 

Specifically, I contest the following details : Addresses : I have never lived at XXXX XXXX XXXX XXXX XXXX, PA XXXX Accounts : I do not recognize or have any affiliation with the accounts listed under : Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX SYSTEMS Account number XXXX I have attempted to explain this issue before, but your responses indicated that the information was verified as accurate. However, I can assure you that this information is incorrect, and I have never been associated with these addresses or accounts. 

Please investigate this matter further and remove any inaccurate information from my credit report. I am happy to provide any additional documentation or evidence to support my claims. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have noticed some unauthorized inquiries on my XXXX Credit Report I have listed the inquiries below and add additional supporting documents. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

XXXX XXXX XXXX denied me stating my paperwork was fraudulent when that is not true I have had money stolen out my account as well as accounts open in my name unauthorized
Product: Credit reporting, credit repair services, or other personal consumer reports

new and updated information. Company has not responded to my letter that was received XX/XX/2022 Company has violated my rights by not completing investigation within 30 days and by furnishing my personal information to companies without my consent.
Product: Credit card

On XX/XX/XXXX, my XXXX credit card account was closed and incorrectly flagged as not mine. Following the closure, I canceled automatic payments on XX/XX/XXXX. However, my account was mistakenly re-enrolled in automatic payments on the same day ( XX/XX/XXXX ) without my permission, leading to continued charges. 

Despite my efforts to resolve this issue, Comenity Capital Bank continued to charge my account. On XX/XX/XXXX, I was informed that the re-enrollment occurred in error, but the charges persisted. I have repeatedly requested a refund for these unauthorized charges, as well as a review of any related finance charges that have accrued. 

I was also notified that finance charges were applied due to a balance carried over into subsequent billing cycles. However, I should not be responsible for these charges because they were the result of an error in re-enrollment. 

Comenity Capital Bank has initiated an investigation, but no resolution has been provided to date. I am requesting a full refund of all charges made after my account closure, including any finance charges that resulted from the error. 

XXXX of Events : XX/XX/XXXX : XXXX credit card account closed. 
XX/XX/XXXX : Automatic payments canceled, but re-enrolled the same day in error. 
XX/XX/XXXX : I was informed the re-enrollment occurred in error. 
XX/XX/XXXX : Automatic payments were finally unenrolled. 

Desired Resolution : I am requesting a full refund of all unauthorized charges and any related finance charges caused by the incorrect re-enrollment of automatic payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX, Transunion and XXXX as well as submitted letters about permissible purpose, validation and incorrect items on my credit report pertaining to inquiries and child support payments from Attorney General. They have refused to remove it and its keeping me from buying a home.