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

TransUnion is illegally allowing/providing XXXX XXXX XXXX operating under XXXX XXXX access to my consumer reports prior to and after I requested to opt out of sharing consumer data. 

I currently do not have any accounts banking or credit accounts with XXXX, prior to XXXX, I had accounts with XXXX XXXX, XXXX XXXX XXXX which were closed prior to XXXX  purchase of said brand. 

At no time did I or ask XXXX for any additional lines of credit or to re-open any accounts my business was concluded with the cardholder once accounts were closed in XXXX. 

At no time did I grant permission purpose to XXXX for any reasons in fact I sent TransUnion a letter opting out of sharing data without my express written consent. 

XXXX has illegally obtained/requested my consumer report every month from XXXX  to present date. 

I attempted to reach out to XXXX who refused to provide answers or cease and desist illegally accessing my consumer reports. 

I am requesting CFPB investigate and bring legal actions against both parties for illegally access consumer credit reports and enact or enforce current laws that provide consumer protection and relief from this abusive practice.
Product: Credit card

On XX/XX/year>, my XXXX XXXX  was stolen and the thieves were able to access my Apple Card, Apple Savings, and created an XXXX XXXX  account. I lost access to my XXXX XXXX and was unable to retrieve it, ever. I canceled my Apple Card on XX/XX/XXXX once I realized I had experienced fraud. I spoke with XXXX regarding the XXXX XXXX  and Goldman Sachs ( " GS '' ) about the fraud and contested many fraudulent charges. I am legally not responsible for unauthorized charges on my account. GS knows this and acknowledges the same. Thereafter, I paid the balances for all purchases on the the Apple Card Statement made by me - GS acknowledges this and I have proof of payment. My payments were made and complete by XXXX. Yet, GS records reflect a balance on my closed account from the Daily Cash reversals related to the fraud purchases. The Daily Cash that was earned with the fraud purchases is being held on my account in abeyance -- and should be released to pay the balance. I have called NO LESS than 50 times to settle this account and been elevated to 5+ supervisors ( they are above managers ) and NO ONE has the authority to settle the account and no one cares enough to review and resolve the issue. Each supervisor states that he/she will resolve the issue and get back to me within 10 days with a resolution, only one returned the call, and yet there has been no resolution. You never get the same supervisor twice on your compliant. Because of GS, my credit score has plummeted from XXXX to XXXX. I am seriously considering filing a suit against GS for harassment, tortious interference of contract, and intentional infliction of emotional distress. I am a lawyer and look at numbers all day -- and used to use GS for Investment Banking -- an area in which they are competent. I WILL NEVER RECOMMEND GS or work with them again. This is the worst and most incompetent organization with whom I have ever done business -- BEWARE OF GOLDMAN SACHS -- IT IS PATHETIC.
Product: Student loan

I 'm in forebareance and want to sign up for XXXX, because I consolidated and it includes a plus loan Navient says I do n't qualify for program. Once forbearance ends my payment will be XXXX or more per month and I 'm retired and on social security.
Product: Mortgage

I applied to refinance my mortgage. It took only 34 days to close on the purchase of my house with 2 banks as I have 2 mortgages. I worked with people at XXXX and Union Bank ( UB ) to refinance. After 5 months, still nothing. Expecting my first child, we had expenses to put on credit cards since UB wouldn't tell us how much cash to bring to close and when we would close. We were supposed to close in 30 days, then pay off the credit cards. Instead, because we had to keep the cash to close and it took them over 4 months to move, our credit score went down ( because they were too slow ). We have the cash to pay it off, all we need is to know what card to pay and rescore us. This is a very common thing to do and it takes only 2-5 days. Instead they refuse to do that for unknown reasons. They took too many applications and can't handle the workload. They are too slow and incompetent. After months, all I have is 1 ) lower credit score 2 ) money lost for the appraisal and 3 ) a disclosure from them with the wrong rate on it.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed a copy of my credit report and noticed that there are fraudulent accounts on my report. These accounts are not mine, and I have no connection to them. Since they are negatively affecting my credit score and my ability to rebuild it, I kindly request that you remove these fraudulent accounts from my credit report. 
This request is made under the Fair Credit Reporting Act, which protects me from inaccurate or misleading information in my credit report.
Product: Checking or savings account

I was a wells Fargo account holder from XXXX to mid XXXX and received several overdraft fees processed on my account. I also noticed transactions were processed out of order of the transactions which often caused my bank account to stay in overdraft fees. I also had an auto loan with Wells Fargo. I was unable to get any assistance with my account. I also applied for a li e a credit while with wells Fargo and was denied.
Product: Checking or savings account

I was told that my 360 Savings account was a high-yield account and the highest yield APR available. It was NOT. Unfortunately, I feel like this is a bait and switch. They actually have something called a 360 Preformance Savings account that has a much higher yield which I was not told about. 

I did have to call them after 2 years on being in this incorrect account and ask them to switch it over. I lost 2 years of high yield savings due to the deceptive marketing practice. I would like to receive the last two years of interest that I should have received in the first place.
Product: Consumer Loan

On XXXX XXXX, 2015 I received XXXX separate phone calls from a XXXX XXXX with Consumer Portfolio Services. The first call was received at XXXX EST and a voicemail was left. I received another phone call at XXXX EST which I answered. XXXX XXXX indicated that I owed a balance on my loan of around {$9700.00} and wanted to know how I would like to pay the remaining balance. I informed XXXX XXXX that I make monthly payments on the account. She seemed very confused and confirmed that I was making monthly payments and then said that my account had just been placed in her department and she was calling to introduce herself. She said if I had any questions to contact her at XXXX ext XXXX. The conversation ended with that. 
On XXXX XXXX I again received XXXX separate phone calls from XXXX XXXX. The first call was received at XXXX EST and a voicemail was left. I received another phone call at XXXX EST with another voicemail being left. I returned the phone call and spoke with XXXX XXXX which I informed her that this was the fourth call she has made to me in less than a week. She said that she needed to know when I make my payments. I told her that CPS services my loan and should know when I make my payments. I asked her if the account was past due and she said no at which time I told her that she really has no need to be calling me unless my account is past due. She said that my payments are inconsistent at which I responded that they are usually made within XXXX days of the due date. I told her I work XXXX hours a week and I 'm attending school for my XXXX degree so, yes, sometimes making the payment on the exact due date does not happen. I told her that I have had this account for almost a year and that no one from CPS has ever called me to indicate that there was any issue with how I make my payments. I informed her to not call me again unless my account falls past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/18 Balance : {$0.00}
Product: Credit card or prepaid card

I have a charge made for {$58.00} with XXXX. I disputed because I did not recieve the merchandise. The merchant failed to provide proof that the flowers were delivered to the shipping address. Under the commercial code the merchant is liable for any item I did not recieve. Chase incorrectly sided with the merchant on the dispute WITHOUT ANY EVIDENCE THAT THE ITEM WAS DELIVERED TO THE DESTINATION. I sugguest chase should take a hard look at this and apply the standards of a dispute for this. Please refund the money I am owed.
Product: Checking or savings account

A deposit came through my account on Friday, XX/XX/XXXX to chime from my college XXXX university. Chime advertises that they do not hold money but chime received my deposit and they wont release it to my account and they dont do deposits on the weekends which intern cause me to deal with some issues in regards to my finances, I talked to a manager at Chime and he stated that they do not do deposits on the weekends. They advertise they dont hold peoples money but if a deposit comes through on a Friday night into Saturday morning, they will hold it till Monday and thats not fair to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a XXXX XXXX from the company in XXXX of this year. Last month, I begin having issues with the vehicle so I took it back to the company to see what I needed to do. After being given number after number to call and those people giving me different numbers to call, I just asked if I could trade the vehicle back in. They told me yes. I never picked out a vehicle, nor test drove a vehicle. I sat in the lobby almost all day because I was under the impression that the bank ( XXXX ) didnt want to buy the XXXX back because I had only had it a few months. I ended up having to pay out of pocket to get the truck towed and fixed because the insurance that comes with the vehicle doesnt cover it until after its been diagnosed. Fast forward to XX/XX/XXXX, I receive an envelope from XXXX XXXX stating that I was denied for a loan for a 2020 XXXX XXXX. I never gave the consent nor the ok on a vehicle. I have XXXX children and two car seats, its hard to fit them inside of the XXXX, so I wouldnt go for something even smaller than what I already have. Now Im wondering how many different companies did they use on XX/XX/2020 to try to finance a vehicle I never asked for!
Product: Debt collection

XXXX is not bonded in the state of Texas to collect debt.
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION I WOKE UP WEDNESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF FRAUD... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXXXXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX - CARD SERVICE IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX
Product: Credit card

On XXXX/XXXX/2015 a transaction conducted at the XXXX in XXXX was swipe for XXXX services as $ XXXXXXXXUSD instead of XXXX. The Resort as admitted to the transaction error and contact my bank to rectify. I filed a dispute with my bank on XXXX/XXXX/2015 dispute number XXXX. The only thing the case worker at the bank did was get a copy of the incorrect ( swiped ) transaction and has refused to credit back the difference. This is gross incompetency and/or the bank does not have the correct qualified employees working to resolve consumer complaints. I explained the transaction in question was an error and so did the Hotel, yet no follow-up nor verification beyond getting a copy of transaction was done by my bank. I have copies of the final hotel bill showing billing was XXXX, emails from Hotel explaining the error, and names of individuals at resort vainly trying to resolve this with my bank. My bank has not responded to any letters from the resort 's accountants and bank to have this resolved.
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 more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. 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 negative account 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 severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting or other personal consumer reports

My personal information was used to inquire unauthorized accounts. I have no knowledge of this activity reflecting on my report.
Product: Credit reporting or other personal consumer reports

on XX/XX/23 i requested This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

on XX/XX/23 i requested I previously disputed this account stating : " This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

on XX/XX/23 i requested This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Please delete this account for violation because date last of active has been illegally re-aged and shows three different dates across XXXX XXXX XXXX Please remove this account because the creditor failed to notify consumer of dispute and did not update that they actually performed and investigation. Please remove this account immediately on XX/XX/23 i requested Chargeoff Balance Error This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 


this credit failed to do a investigation, failed to update the comment section on all three bureaus, the bureaus failed to remove this account from my report due to no reponse from the creditor, my comment section on my credit report is the exact same since i started my disputes. The creditor has not uodated me with what i requested and failed to do a proper investigation. this creditor has a balance with a charge off, late payments on a charge off, different dates last active, please remove from all three bureaus immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. My credit report includes the following erroneous information that needs to be investigated and delete : XXXXXXXX XXXX XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX  days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2021 to XXXX, XXXX, and Equifax. However it's been over a year and XXXX and Equifax failed to take action or even provide any updates. Only XXXX took the account off of my credit report. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States XXXX if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.