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

Over the past 6 weeks, I've been trying to resolve several issues with Trans Union to no avail. When I try to view my free annual credit report, I'm given an error message that I can not get into the account with my credentials. When I try to log into the site, I can not view my credit file. I have been denied credit and don't know why because I can not view my report. I tried to log into my report through a free service with my credit union ( XXXX XXXX ) and again I get error messages that my report can not be accessed. 

I've called Trans Union, more that several times and was told that I have an error 219 - this error means that MY FILE IS MIXED WITH SOMEONE ELSE 'S FILE. HOW DOES THIS HAPPEN AND HOW SCARY to know that your life is literally in someone's hands who has erroneous information about you. Each time I call, I'm told that the someone will reach out to me within 72 hours and the problem will be fixed. As stated above, it has been six weeks of the same promise of a fix and nothing. I have provided documentation of who I am and have done everything this company has asked me for and STILL NO RESOLUTION!!! 

I was alerted that I have a late payment. I spoke with my lender and they said I DO NOT HAVE ANY LATE PAYMENTS! However, trans union sent me an alert stating this. I CAN NOT ACCESS MY REPORT TO DISPUTE!!! This is UNFAIR PRACTICES and Trans Union can be SUED, according to my credit attorney.
Product: Checking or savings account

Me and my mother was give some information from a family friend that said they were going through a similar situation and they had a Second chance company that helped them named XXXX XXXX.I was provided the contact information for XXXX XXXX 

On XX/XX/XXXX I have reached out to XXXX XXXX and spoke to a representative named XXXX. I informed XXXX about me and my mother 's issues with finding apartments that we can get approved for, due to our credit issues. He assured me that he could assist, he discussed payment and what to expect. XXXX told me that their company would be the guarantor of the contract for whatever apartment I choose. 
I talked this over with my mom and we agreed to send the money. I talked to XXXX and filled out of a form of where me and my would like to be located with the needed amenities. He gave me all of the avaliable Payment methods. We figured XXXX would be the best option. I gave XXXX {$600.00} XXXX, to the XXXX account. XXXX told me that he would send an Apartment list with what is needed, with the XXXX XXXX to me, so we can go visit the apartments within 48 Hours. 

I have yet to receive an Apartment list. I have tried reaching out to XXXX and I haven't not a received a response thus far. 

On XX/XX/XXXX I reached out to Chase to see if someone could assist. I spoke to a representative who stated that I would have to speak to XXXX regarding the manner ; and I was transferrred over. I spoke to another representative, who stated since I willingly sent the money to the merchant ; they could not do anything. I asked to be transferred back to the previous department. However, the representative stated that there was not much more Chase could do either. 

Also, I requested my money back from XXXX XXXX and it was rejected. 

I have not received the services that I have paid for and I would just like my money back at this point.
Product: Checking or savings account

I tried to close my accounts in XX/XX/2020. Bank failed to close one account and deducted {$18.00} per month in fees. Over the past seven months I have tried at lest ten times to close the account, both in person  and via telephone, without success. 

A can not obtain my balance from this account nor can I get them to close the account.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX for failing to properly update my student loan account in accordance with federal laws and regulations. 
XXXXViolation of XXXX ( XXXX XXXX. XXXX ( b ) ) : My student loan account is considered part of my educational records, which are protected under the Family Educational Rights and Privacy Act ( XXXX ). This company has engaged in unauthorized disclosure and trading of my personal and financial information without my consent. They have also securitized my student loan and attached a XXXX number to my account, which has not been disclosed to me. 
XXXX Form XXXX Confirms Loan Discharge : I have an IRS Form XXXX issued by XXXX XXXX XXXX, confirming that this debt has been forgiven and discharged in accordance with IRS regulations ( XXXX XXXX CXXXXe XXXX ( a XXXX ( XXXX ) and XXXX XXXX XXXX ). Despite this, the company continues to misreport the account status instead of marking it as paid as agreed. 
XXXXSecuritization & Trading of My Loan Without Consent : The company has filed securities exchange documents related to this loan, proving that they have been trading my personal information as a security. Under 15 U.S. CXXXXe XXXXe ( XXXX ) ( A ) ( False Representation of the Character, Amount, or Legal Status of a Debt ), this is deceptive and misleading. 
XXXXFCRA & Consumer Rights Violations : The company is failing to accurately report the account to credit bureaus and is engaging in unfair and deceptive practices by refusing to update my account status to paid as agreed, despite legal proof that the debt has been satisfied. 

XXXX Requested : I demand that XXXX XXXX : Immediately update my account status to paid as agreed in all their records and with all credit reporting agencies. 
Provide full disclosure of all securitization transactions related to my student loan, including XXXX documentation and any associated securities filings. 
Cease any further collection actions and confirm that the account is correctly updated in writing within XXXX business days. 

Supporting Documents : Copy of IRS Form XXXX issued by XXXX XXXX XXXX 
Documentation proving securitization ( XXXX attached to the loan ). 
Any past correspondence with the company regarding this matter. 

Failure to comply with this request will result in further legal action and complaints to the XXXX, FTC, and the XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ), # XXXX ( SELF XXXX XXXX XXXX XXXXXXXX XXXX ), # XXXX ( XXXX XXXX ) XXXX and # XXXX ( XXXX XXXX XXXX XXXX XXXX have 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: Payday loan, title loan, or personal loan

Goldman Sachs Small Business said my Company was approved for a undecided amount of credit until my application was finished! 

I had a XXXX performed and was omitted into hospital for a three week period and was unable to finish my application! I was to send in three months of my banking statements to seal the loan! I was unable to complete because I was hospitalized! I received no letter as to the need for the three months of statements.

I was also told this application was not a hard pull of my credit! It was to be a loan to business and not personal. They preformed a hard pull!

Goldman Sachs caused my credit to plummet. I dont believe this was a fair application or didnt allow me to finish a complete application! 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been with PNC Bank for a few years and have never had a complaint until now. PNC has always worked with me to resolve issues that I have had in the past and we always came to a successful resolution. However, On XX/XX/XXXX, PNC allowed a XXXX debit card purchase to come through my account which was not supposed to happen because my account had insufficient funds at that time. I opted out of the overdraft protection for that purpose so that if I did n't have enough money to cover a charge it would n't come through. On XX/XX/XXXX I called PNC to discuss why that happened and the agent could n't tell me why, she just said it should n't have happened and that it was labeled as a recurring charge which is not true because it was a XXXX  charge and it 's not something that is recurring from week-to-week or month-to-month. Because if I choose to use the post office instead of XXXX then XXXX ca n't charge me anything. When i contacted PNC on XX/XX/XXXX, although they said they couldnt refund the transaction amount, they did refund my over draft fee that was cause by the transaction ... Now my problem is I 'm being charged {$7.00} per day continuous overdraft even though the charge that came through on XX/XX/XXXX should n't have ever come through. Which is causing my account to become further and further and further overdrafted. And when I contacted PNC they stated that debit card transactions will be rejected if you do n't have enough money in your account ... But now it seems like if it 's labeled as a recurring charge then they will allow it to come through even if it 's your debit card and you do n't have enough money in your account. Who made the determination that this merchant has a recurring charge associated with my bank account ... this is a XXXX shipping account and the amounts due from one month to the next can be different. Whatever I ship that 's was charged If I decided to use them at all ... this is not a revolving credit account ... For the life of me I ca n't understand why Banks look at every possible way that they can find to continue to charge consumers money for things that are beyond the consumers control. And its only hurting the consumers. Because at the end of the day if the bank policy is to not honor a debit card transaction if you have insufficient funds then the bank should stick to that policy especially when the consumer opted out of overdraft protection for the purpose of avoiding this problem. But now it seems that banks are relabeling these transactions just to allow the charge to come through so that they can guarantee excess money from the consumers which is a red flag as far as I 'm concerned.. So in the end it apparently really does n't matter if you opt out of overdraft protection or not because since the government Forced Banks to allow consumers to opt in or out of overdraft protection, I 've been with a few Banks over the years and all of them look for every reason to allow the transactions to come through anyway to justify these fees ....
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XX/XX/2020 and XX/XX/2020 inquires were made on my credit by companies that I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint. Equifax responded to complaint XXXX by stating that the " problem has been fixed '' and I should go on line to reset my password to access my account -- -I have been unable to reach a human being at Equifax to UNFREEZE my credit for 3 months. 

Online, when I try to put in my personal information to reset the password, Equifax screen states " We are unable to help you at this time. '' I have tried again by phone, but my answers to their security questions are not accepted -- -they ask if I have had specific loans etc and I have answered the questions accurately. Then I am cut off. 

Neither the webpage nor their phone line provides a way to speak to a HUMAN BEING to resolve this question. I am unable to get through their messed up screening processes either on their website or phone and am stuck in an extremely frustrating loop. 

DID EQUIFAX REMOVE THE FREEZE ON MY CREDIT REPORT as requested? I have no idea, as they did not provide the answer to this question in their response to my CFPB complaint. 

In XXXX, XXXX I sent two CERTIFIED letter requests to Equifax to unfreeze my credit. I did not receive a Equifax signed certified letter slip for either letter. 

This company has complete control over my credit history. I did not ask to work with them, and believe that their license to provide this " service '' be taken away since they are completely inaccessible to the public. I doubt if they treat their paying customers the same way as they do people such as I who have just asked for credit freezes ( which was initially requested due to an Equifax data breach in XXXX! ) I need to get a new cell phone account, due to poor service in my rural area, and this issue has prevented me from accessing this or any credit for almost 2 months. Outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX  . 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

AS I WAS ON VACATION IN 2021, MY WALLET WAS STOLEN AFTER THE PANDEMIC. THERE ARE ACCOUNTS ON MY FILE THAT WERE NOT AUTHORIZED BY ME. MAJORITY OF MY INFORMATION WAS UTILIZED ON THE XXXX WEB. I HAVE REPORTED ALL OF THESE ISSUES TO ALL THREE BUREAUS, EXPERIAN, XXXX AND XXXX WITH VALID FTC REPORT AND POLICE REPORT.
Product: Debt collection

AWA Collections is violating FCRA Section 623 ( 5 ) ( A ). This account is illegally re-aged.

Essentially, re-aging an account means that a debt states differently than the original date of the first debt. If there is a different date ( meaning it has been changed ) it is an illegal practice of re-aging. Re-aging is illegal under the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

when XXXX got breached in 2018, I was a identity theft victim. Since then I been a victim of multiply fraudulent accounts appearing on my credit report. I filled a police report and made several FTC identity theft reports. XXXX sent me a letter stating they are above the law ( Fair Credit Reporting Act ) and they can circumvent the law ( Fair Credit Reporting Act ) by not block my fraudulent accounts within 5 days, but at XXXX 's discretion. If my information would have never been " hacked '' or " breached '' by XXXX   I would have never been in this situation. I have attached my letter of demand and affidavit along with my FTC report number and letter for your review. I want XXXX to stop circumventing the law with excesses to send letters to 3rd party furnishers and do there job as the law pertains. I am currently working on 3rd party furnishers but XXXX  refuses to follow my demand concerning the law ( Fair credit Reporting Act ) section 605B. ( Please see attachment )
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am filing this complaint regarding the XXXX, XXXX account listed on my credit report, which was inaccurately charged off in XX/XX/XXXX and continues to be reported as 90 days past due as of XX/XX/XXXX. Despite multiple disputes with all three credit bureaus, this account continues to be verified and remains on my credit report, harming my credit score. 

Account Name : XXXX, XXXX. 
Account Number : XXXX  Date Opened : XX/XX/XXXXXXXX  Status : Charged off, 90 days past due. 
Balance : {$160.00} past due as of XX/XX/XXXXXXXX  Charge-Off Date : Reported as XX/XX/XXXX. 
First Delinquency Date : Reported inaccurately. 
Balance Reported as of XX/XX/XXXX : {$160.00} Issue : The charge-off and delinquency dates appear to be incorrect, and I have not received proper documentation that confirms these dates. Ive disputed this issue with XXXX, XXXX, and TransUnion several times, but the information was repeatedly verified without a proper investigation into the matter. This has caused continued damage to my credit report and score. 

Violations of the Fair Credit Reporting Act ( FCRA ) : FCRA 1681i Reinvestigation of Disputed Information : XXXX XXXX XXXX and the credit bureaus failed to conduct a proper investigation after I disputed this account multiple times. The FCRA requires an investigation to be reasonable and thorough, which was not the case here. No evidence was provided of a proper reinvestigation or correction of the reported errors. 

FCRA 1681c Time Limitations on Reporting : The charge-off and delinquency dates are incorrect. Under the FCRA, negative information such as charge-offs can remain on the credit report for 7 years from the date of first delinquency. However, I believe this information will stay on my report for longer than legally allowed due to incorrect reporting. The dates dont seem to align with the actual timeline of when the delinquency occurred. 

FCRA 1681s-2 ( b ) Duties of Furnishers of Information : XXXX, XXXX did not provide the proper documentation proving that the account was correctly charged off or the delinquencies were accurate. The failure to provide such documentation after multiple disputes is a violation of their obligations as a furnisher of information.
Product: Credit card or prepaid card

I refunded a purchase on XX/XX/XXXX in the amount of XXXX. the credit from the merchant hit the card on XX/XX/19, immediately followed by a debit ( charge ) for the same amount fr American Express , titled a " merchant credit hold for review ''. This is the second time in several weeks they have done this to a refund from a merchant. It states the hold will last " up to '' seven days. The last hold kept my money in limbo for the entire week. I have contacted American Express and spoken to four different people, several supervisors, and even on their XXXX channel. They blame it on the merchant 's bank account and say they haven't actually received the funds from the merchant. This is a lie. The online account shows it is Amex placing the hold on finds and shows the funds coming back from the merchant
Product: Credit card or prepaid card

Two years ago on my USAA account not only was my checking account I had theough them fraudlantly used but so was my credit card. There was suddenly a {$5000.00} payment from an unknown source to my account which they USAA originally credited to my account. When I questioned it and what was going on it suddenly became my responsibility as they couldnt figure it out or give me a straight answer about it. My account was closed by USAA and I was not informed therefore had no way of paying anything on my account. Finally paid off the balance minus the XXXX and kindly told them I was not paying what was not my responsibility and what I did not agree to. It has been going on for two years and now they have flagged my account as not paid for over thirty days. I have no account through them anymore and no way to pay either as I have no access to my mobile banking which is a direct pay. They closed it off to where I could no longer pay. Then they are charging fees to the balance of which is not mine. I will not be paying and do not appreciate this going against my credit as it is not my fault and they have not solved the issue for over two years. I will not pay any extra fees either. I have discussed this with them and they have done nothing but say the same old story that they cant figure it out so its my responsibility. When they are the ones that allowed it to happen to my account. Its fraud on their part.
Product: Credit reporting or other personal consumer reports

I have been paying on all of my accounts monthly and my credit score has not moved. XXXX XXXX XXXX has taken my score down because I have reported the unlawful things they have been doing to DIFs.
Product: Student loan

It will often take 2 weeks or 3 working weeks for them to post my next payment amount ( from the beginning of the month. They will actually take more than a month to post the next payment amount in general. They refuse to process them faster. I believe they are doing this to gain more money in interest payments.
Product: Credit reporting or other personal consumer reports

I have previously submitted a letter urging you to reevaluate the contested accounts on my credit report and to ensure that these accounts are appropriately updated during the investigation process. Regrettably, to date, I have not received a response to my request. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$260000.00}
Product: Credit reporting

XXXX XXXX XXXX has reported false information on my Transunion report regarding rental/leasing XXXX XXXX XXXX. I have never leased from XXXX, thank you XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested.
Product: Bank account or service

I had a bank account with Wells Fargo they opened a total of XXXX banks accounts approx.. 
XXXX/XXXX/XXXX. I had my account froze because of an error or mistake on my XXXX taxes with Franchise tax board. They said I had owed {$2000.00} back taxes. Wells Fargo manager had set me up with XXXX Bank accounts and XXXX Saving accounts. XXXX total. I did not need the XXXX extra accts. Wells Fargo charged and withheld {$200.00} from me from the XXXX accts as well as XXXX took {$200.00}. I went directly to straighten it out with XXXX XXXX on not owing money. I got copies of my XXXX Income taxes from the IRS. I did not owe them. XXXX sent me a refund 4 months later for {$200.00}. I kept complaining and going into the branch to Wells Fargo bank manager about returning the money they took from all XXXX bank accts. He said it was not in his control to return back my money. I am so upset and want to resolve and retrieve the money the Wells Fargo still owes me. I had to close down XXXX bank accts since then XXXX extra bank acct and extra savings acct. that I did not need. The branch is off XXXX XXXX in XXXX XXXX area. Please let me know what I can do or what you can do to help this issue of getting my money back. Sincerely, XXXX XXXX ( XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit card

I, XXXX XXXX, residing at XXXX XXXX # XXXX, XXXX, New York XXXX hereby states on record with the Consumer Financial Protection Bureau that Capital One is currently reporting a charge off on an account that Capital One accepted a numbers of payments on as a negotiated settlement. However, since this account has been basically been satisfied through a third party, they are still in violation of the Fair Credit Reporting Act by maintaining a charge off balance. The account should show a XXXX balance with a rating as PAID SETTLED as stipulated through the negotiations agreement on all pertinent credit reporting agencies, XXXX, XXXX and XXXX XXXX respectively.
Product: Credit reporting or other personal consumer reports

Im seeking your assistance with this incorrect account showing up on my credit report. This issue has harmed my reputation, and I need your help to address it. Your mishandling of my credit report has severely affected me, and due to your inaccurate reporting, my reputation has suffered. It is crucial to eliminate these inaccuracies so I can have peace with my family.