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

Transunion continues to fraudulently report a collection from XXXX XXXX XXXX and an account from XXXX XXXX. Ive informed Transunion that neither creditor has provided any form of validation pursuant 15 usc 1692g. Transunion has also failed to supply any documentation that I have asked for. Pursuant 15 usc 1681i Transunion has not provided me with the requested documentation on how they verified and validated the fraudulent information being reported on my consumer reports. At this point I have no other reason to believe that they are willfully being negligent and refuse to follow the law which puts them in direct violation of 15 usc 1681n. I have no other choice but to escalate this matter through the FTC and through the CFPB.
Product: Credit card

Synchrony bank credit cards Have had major issues with this company I always paid my payments always paid off my cards XXXX XXXX XXXX - closed with out notice no reason XXXX XXXX  credit card XXXX credit limit brought down XXXX. For no reason XXXX credit card - closed for no reason Then they said they closed and lowered because they pulled my credit and I have no mortgage, well house is paid for No vehicle loan - cards paid for Then they said to high of revolving credit use Very well not true all my cards are low balances if not 0 balances They have done this for no reason ridiculous reasons and my credit has taken a huge hit from this. How can they get away with doing this? I could understand if I was an awful consumer who never paid the bill. This is far from the case. If you read there reviews Im not the only 1 they have done this to they do it a lot They need to be stopped because they are not a good bank by treating customers like this. It hurts us as consumers who are trying to keep our credit good by lowering our credit score we take a huge hit for NOTHING!!!
Product: Checking or savings account

Account was blocked to give the XXXX. Even after providing all the required information ( they confirmed they received the information ), still account is in blocked state. Every single day, Im calling them and they are saying they got all the information and will take 24 to 48hrs, but still it is in blocked state for the last XXXX weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, I was told by an associate at XXXX XXXX XXXX XXXX that since my car was at the end of terms, they would extend my payment as a courtesy over the next five months to pay the remaining balance of XXXX. I continued to make my payments since I was told when I extended my payment that it would just extend my loan, not that my loan would be treated as late at the end of the term. In XX/XX/2021, XXXX XXXX XXXX XXXX reported my account as 30 days past due, without my knowledge. When I asked them for any documentation, they explained that they didn't have any on record. Then they backtracked and said as a courtesy and said they would put me in their payment plan, but they had already reported me as late. I have all the receipts of my payments for each month. This past due on my credit history will affect my financial health due to misinformation from their representatives and treatment of customers.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my ongoing concern regarding an identity theft issue I reported in my initial letter dated XX/XX/2023. Unfortunately, the matter has not been resolved despite my efforts, and I am experiencing financial repercussions due to the prolonged delay. Here is my previous claim number XXXX. 

I have diligently followed the necessary procedures to fix this situation, but the lack of resolution within the past XXXX days has prompted me to seek more help. According to my research, given the circumstances surrounding this identity theft case, I am entitled to compensation and data removal. 

I request a thorough review of my claim and a swift resolution to alleviate the financial strain I am currently facing. I would greatly appreciate your attention to this matter, and I am hopeful for a quick and positive outcome. 

Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
XXXX XXXX : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This XXXX include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
XXXX Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This XXXX include emails, letters, or notes documenting your interactions with the creditor. 
XXXX Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
XXXX XXXX : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This XXXX include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( XXXX  ) and Equal Credit Opportunity Act ( XXXX  ). 
"
Product: Vehicle loan or lease

This company is wanting to offer a finance on a car that I supposedly own. They started calling XX/XX/XXXX, twice again on XX/XX/XXXX, twice on XXXX, three times on XX/XX/XXXX, three times on XX/XX/XXXX, four times on XX/XX/XXXX, two times on XX/XX/XXXX, twice on XX/XX/XXXX, three times on XX/XX/XXXX, three times on XX/XX/XXXX, and again this morning, When I did answer the phone one time, I asked them to remove my name from their calling list. They wanted to know what my phone number was. Since they called me, I told them they already have my number and to please quit calling me to no avail as they keep calling me. I think 26 times is definitely harrassment. Please advise what further action I need to do to keep them from calling my cell phone.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Account Reporting XXXX XXXX Equifax, I am writing to formally dispute the reporting of an account on my credit report that I believe is inaccurate. The account in question is XXXX, XXXX, XXXX, and XXXX... which has been reported as written off. 

While I acknowledge that this account was written off, I did not receive a Form 1099-C, Cancellation of Debt, which would indicate that the debt has been canceled and reported to the IRS. According to IRS guidelines, a 1099-C should be issued for canceled debts. The absence of this form suggests that the debt may not have been officially canceled, or that proper procedures were not followed by the creditor. 

I request that you investigate this matter and verify the accuracy of the reporting for this account. If the reporting creditor is unable to provide documented evidence of the cancellation or a valid XXXX form, I ask that you remove this account from my credit report. 

I appreciate your prompt attention to this matter and look forward to your response. Please feel free to contact me at [ XXXX or XXXX should you need any further information to assist with this dispute. 

Thank you for your time and assistance. 

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

My credit report with XXXX and TransUnion reflect missing payments to those who are granting me credit and any notices i may receive about denied credit reports on the contrary. My actual report that I see shows my account as being 99 % on time for not less than 10 years therefore creating a disparing difference. My credit score went down recent 37 points indicating I had a missed payment but upon review there is no such reports. This is a huge infraction and violation to my SCRA right and need this to be review and corrected.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today   XXXX   XXXX   XXXX  ,  XXXX  shows an open account with  XXXX   XXXX  with an outstanding balance of {$810.00}. They show this account was initially reported as of   XXXX   XXXX   XXXX       I have received no bills, and have no idea what this is for. I have confirmed with the  XXXX   XXXX   XXXX  at  XXXX  that I owe no balance to them. That all charges that would appear as  XXXX   XXXX  have been paid and no balance outstanding since  XXXX .
Product: Money transfer, virtual currency, or money service

XXXX XXXX has system where any money received or placed in your cash appt account is is stored. You as the client can use your cash app account to purchase or send monies using your cash appt account. 
Cash appt also allow you to attach your bank account and send funds. 
XXXX also allows you buy and sale stock. On the week of XX/XX/year> I sold stock of XXXX on my cash appt account. After fee 's cash app. place XXXX in my cash app account. 

on the XX/XX/year> i send the funds from my cash app. account to my friend. This transaction was completed, and the money was received by the intended persons. 

Instead of Cash app. sending the money from my Cash app account they took the funds from my bank account. But the yet funds in cash app account vanish. I call several times and they gave me case number XXXX, I was told to expect an email. 
No email and no money. I am a residence of Texas we still don't have lights, I need my money. I work for.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 After looking at my credit report, I noticed You are reporting irrelevant outdated information. 
My only address is XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Tx XXXX. 

My only name is XXXX XXXX XXXX Please remove any other address you Are reporting on my credit report as it is Not accurate relevant data. 

Due to recent find of identity theft I fear this false reporting address my also have affect on my identity being compromised. 


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

Hi I am submitting this 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. my fico 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. my XXXX  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 XXXX 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 XXXX but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays 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 XXXX XXXXXXXX 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: Checking or savings account

I had a citi bank line of credit for XXXX dollars. I ran into trouble with it. The problem is that I was charged over drafts, interest and late fees. They kept being the limit down. I'm disputing it because they got the limit down to XXXX but continued to charge me taxes, overdraft fees and and an installments or monthly payments that I didn't have. So XXXX and it ended up over XXXX. So it's on my credit report and I want all the extra charges taken off. They would also help themselves to my savings account. Without my permission. So they racked up over XXXX just in fees. That is my problem with this debt.
Product: Money transfer, virtual currency, or money service

I am filling against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with errors resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX is illegally reporting the following accounts on my credit report : Account # XXXX ... XXXX Account # XXXX ... XXXX Account # XXXX ... XXXX I have disputed these accounts several times requesting XXXXXXXX XXXX to provide physical verification in XXXX, XXXX, & XX/XX/2018. Per my rights, I requested a copy of the original contract with my signature that says I agreed to pay for this debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report within 30 days. XXXXXXXX XXXX refuses to provide me a copy of a legal agreement/contract with my signature ; therefore, they must REMOVE all 3 accounts from my credit report. 

XXXXXXXX XXXX has responded by sending me generic system-generated letters from their computer system with the codes XXXX & XXXX. They refuse to do a proper investigation and continue to ignore my request of providing me with a copy of the original contract with my signature. The generic pre-written letters are not sufficient in verifying debt. I have attached copies of the system-generated letters I received from XXXX XXXX. The law states you must provide a copy of the legal contract with my signature. XXXX XXXX   continues to violate my rights according to the FCRA. 

XXXX XXXX sent me letters stating to contact the debt collection agencies instead. Listed below are the actions I have taken regarding the referenced accounts : Account # XXXX ... XXXX was charged off and sold to XXXX XXXX XXXX, XXXX. I contacted XXXX XXXX and asked for verification. They could not provide me with verification and responded by letter they will be deleting the collection from my report. I have attached the letter from XXXX XXXX for your review. 

Account # XXXX ... XXXX was charged off and sold to XXXX XXXX XXXX XXXX. 
I disputed XXXX XXXX XXXX and requested verification. The collection was deleted from my credit report because they were not able to provide verification of debt. 

Account # XXXX ... XXXX was charged off and sold to XXXX XXXX, XXXX. I contacted XXXX XXXX and requested verification of debt. They have not provided me with a copy of the original contract with my signature. 

XXXX XXXX is the original creditor. They continue to report derogatory account information on my credit report illegally without providing me verification of debt according to my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. According to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following concerning the individual about whom the report relates. 

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

I tried for a auto loan and the car lot tried pulling my credit report with Equifax. There was a block on my credit report, not a freeze, that I did not authorize! I spoke with Equifax at that time, to verify my identity, which was identified at that time! XX/XX/2023 I was notified from my bank that the block is still there! This is there attempt to take ownership of my files! This is and injustice to me as a consumer
Product: Mortgage

We purchased our home in XXXX. In XXXX my husband, who is the mortgage holder, became permanently XXXX. We began having difficulty making our mortgage payments and since then we have exhausted all of our funds i.e. IRA 's, Stocks etc. in order to make our mortgage payments but unfortunately the last mortgage payment we were able to make after exhausting all of our funds was in XXXX XXXX. Since then Wells Fargo has begun foreclosure proceedings. We have had our first foreclosure conference so far and the XXXX conference is scheduled for XXXX XXXX, XXXX. During the XXXX conference, the referee told us that we had to apply for a loan modification but in order to be approved we had to increase our income. I explained to her that I am seeking employment but that right now our only source of income is my husband 's social security XXXX income I also informed her that we can access my husband 's pension early if we choose to and that in XXXX XXXX, I can retire at age XXXX. The referee said that we should include in the modification request, proof of how much additional income we will be getting with my husband 's pension and with my social security, which we did. A Wells Fargo representative called today stating that our modification request was denied because a ) our investor does not participate in HAMP. When we first got our mortgage, it was a XXXX XXXX mortgage ( who does participate in HAMP ) but I was told that it has since been sold and the investor now is XXXX ( XXXX, who does not participate in HAMP, ) and B ) our income is too low. I asked how it was determined and I explained again about the pension and retirement income but he said that those amounts could not be taken into consideration because we are not yet receiving that income. I would also like to add that we do not have major credit card debit, we do not have an auto loan ( our car is 8 years old, ) and the only reason we are in this position is because my husband became ill. He is an end XXXX. He is XXXX. He is currently in a XXXX and will be coming home hopefully within the next month after having been in XXXX on and off for almost a year. We do not want to lose our home that we worked so hard for and we are respectfully asking if there are any other options for us. We have not yet received a formal denial letter for a loan modification. A Wells Fargo representative called me today by telephone to alert me of the denial.
Product: Debt collection

In XX/XX/XXXX, Me and my roommates rented an apartment from an agency called XXXX XXXX XXXX XXXX located in XXXX Colorado. The apartment we rented was an old one, with a lot of issues and an old carpet. After our one year lease ended up, we were surprise by the rental management office not even giving us our deposit, but also charging us with an amount of {$2400.00}. After we contacted the XXXX XXXX XXXX office, they said that we have to pay for a new carpet, and fix all the issues that the apartment had when we moved there. The apartment was build in about XX/XX/XXXX. 
I think we were victim of such unprofessional act from XXXX XXXX XXXX, and I wish your office get involved to get me and my roommates our right back. the agency filed a collection, so now my credit score get hurt. 
The apartment is located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get and maintain access to my personal Equifax account online. I have been unsuccessful in doing so for years now. Even after speaking to person ( XXXX ) on the phone, their website seems to be permanently broken. I keep getting promises they will contact me to reset my password, but nothing ever happens. I need access to my Equifax account to keep an eye on my credit and freeze my account as needed. Searching for this problem on XXXX returns a plethora of results all saying the same thing, the website has issues.