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

Hi I am submitting this XXXX XXXX without 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Product: Student loan

At the Time I was a student my XXXX was XXXX XX/XX/2013 I was a single mom and had to plan a funeral and was no way able to focus on studies while having to deal with raising broken XXXX that felt Like my XXXX was a father figure I also went into a deep XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my background report that is considered incomplete. No data was provided. I signed off a disclosure form that stated the following ... 

XXXX ( COMPANY ) may obtain from Sterling Infosystems , Inc. ( STERLING ), XXXX XXXX XXXX, XXXX XXXX, NY XXXX, ( XXXX ) XXXX, www.sterlinginfosystems.com, a consumer report and/or an investigative consumer report ( REPORT ) that contains background information about you in connection with your employment or employment application. If you are hired, to the extent permitted by law, COMPANY may obtain from STERLING further reports throughout your employment for an employment purpose without providing further disclosure or obtaining additional consent. 
The REPORT may contain information about your character, general reputation, personal characteristics and mode of living. The REPORT may include, but is not limited to, credit reports and credit history information ; criminal and other public records and history ; public court records ( e.g., bankruptcies, tax liens and judgments ) ; motor vehicle and driving records ; educational and employment history, including professional disciplinary actions ; drug/alcohol test results ; and Social Security verification and address history, subject to any limitations imposed by applicable federal and state law. This information may be obtained from public record and private sources, including credit bureaus, government agencies and judicial records, former employers and educational institutions, and other sources. 
If an investigative consumer REPORT is obtained, in addition to the description above, the nature and scope of any such REPORT will be employment verifications and references, or personal references. 

The information that was given to me does not contain what the reporting agency claims. Under the Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems as a background reporting agency in good faith should report ALL information pertaining to an applicant.
Product: Credit reporting or other personal consumer reports

I have been disputing these accounts with the creditors and the bureaus since they are the product of identity theft, so far they have not complied with my requests to have them removed. I made a complaint to the CFPB back in XXXX and that complaint was closed the same day, I don't understand why so I want to start a new complaint. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} I am including a copy of an FTC theft report which I have already sent to the credit bureaus to no avail, as well as my license and a proof of address plus my social.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Debt collection

I look on XXXX XXXX bout my credit score and I keep seeing an account for XXXX XXXXXXXX saying I owe thousands of dollars that I do not know of. I have tried to dispute it and I keep getting continuous calls from collection agencies. Its very annoying and upsetting
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent {$600.00} using Cash App to someone. They gave me their old username in error. I requested a refund/cancellation immediately but was told it was already sent and could not be reversed. The recipient and I sent multiple emails to Cash App to figure out to grant access to the recipient to the old account or somehow merge the 2 accounts. Each time Cash App responded with this message or similar - " I do not have any new information to provide regarding this issue. Please review the information in our previous emails to understand how to move forward. '' " While Id be happy to help you with any other issue, Im unable to provide further information for this particular case. '' And the last one today stating, " We have provided as much information as possible to help you resolve your issue. Were unable to provide additional support and will be closing your case. '' I requested a phone number to call, or someone call us. Gave contact information for the recipient so it can be resolved. I asked if my money would be returned if left unclaimed for a certain period, and received no response to this question. 
They did absolutely nothing to resolve this concern for myself or the recipient.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXXXX/XX/XXXXXXXX XXXX
Product: Checking or savings account

I had 2 accounts with US bank. Towards the beginning of the month I thought my accounts had been compromised so I called to have them closed. I was told a hold could be placed. The hold was placed on the accounts for a day or so. I was still uneasy, so I called back to have both accounts closed. I was told they were both closed and I would be sent a check for whatever wa left in the account. A few days later I called back because I was thinking about applying for the simple loan which requires the account be opened for a certain amount of time. I wanted to inquire about the 1 of the accounts being reopened to do this. However, when I  called, I was told both accounts were still open. I then complained and spoke with someone else. I then learned only one of the accounts had been closed an it wasnt even the original one that I knew had been compromised ; also instead of closing the accounts the holds had simply been taken off unauthorized by me. They then closed the other bank account and reopened the old one, but unbeknownst to me the hold was not placed back on the account. Something then came into the account and I was charged a fee. I called the bank XXXX number to see what could be done as I was going to see about the simple loan with the hold placed and then close th old account and simply get new accounts all together. I was told I that customer service could not take care of such a thing and that only he home branch could do it. I was also told that I would recieve a callback from CS once the Branch opened and that they would reach out to my home branch on my behalf. The issue is 3 things, first, the hold should have never been taken off to begin with and a fee would not have been charged if that had been properly done, 2- it is ridiculous to have a customer service agency that refers you to the home branch which is completely useless, and 3, I dont like having a bank that can not act quickly in such situations, especially when in thought the accounts were closed and instead holds were taken off which ultimately compromised me. So, Im short, this was a bank error. I would like the fees reversed and my accounts permanently closed, US bank is not the bank for me. Also, they keep terrible notes. As I told CS who never reached back out to me, I placed  the hold and never authorized it or be taken off unless the account was properly closed, which it was not. I also asked for confirmation of the holds like at regular banks and they said no email or anything could be sent to confirm it.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Vehicle loan or lease

Had filed complaint XXXX to no avail with settlement offer from WFDS . Their response was that I said I had paperwork which had been destroyed in flood. However I had told them paper was from Ohio DMV and had clearly stated that they ignored a response to investigation of vehicle disposition. Now I am requesting a certified copy of their letter to repossess ( never received ). A copy of vehicle deficiency to cure loan amount. I had requested from them amount of payments made while they abandoned vehicle at impound after said they were picking up. That plus insurance and GAP reimbursement. My re search shows car ended up in Florida. So the salvage company should have paper trail between WFDS which was never shared with me or as is the case they dont have and violated my consumer rights in State of Ohio . Attorney General has told me a value of settlement I should get. Need these documents from WFDS ASAP in order to proceed in courts to correct this pattern which Government has found them to be deficient in their claimed repossession of close to XXXX cars. Clearly they have disregarded UCC and ORC for business transaction protocols. Their response was totally inadequate viewing the FTC has ruled to make things right with harmed consumers that they have harmed. Attorney asked about outcome and is in process of filing with Ohio AG
Product: Checking or savings account

Can not access account as it was closed. Since a new account was created, I can not access XXXX XXXX information or any previous account information so as to pay my bills, receive deposits. XXXX is frozen to me since I am not first name on account held as as shared account -- my husband is listed as primary. He died, so I can not access his, mine, and our accounts. Legally married since XXXX XXXX, XXXX, with proof of marriage license. This money is mine since he is deceased all monies and access of accounts are mine. XXXX XXXX caused the account to be closed and a new account established. I am no longer able to access the account to pay bills or receive auto. deposits from Social Security, XXXX, any money coming to me. I can not receive Government deposits to the new account. The original account will not be carried over to the new account. My bills are going into collection and my income is not coming in it is being bounced out and the SDCCU is not allowing those deposits into the new account. BAD ENOUGH THAT MY HUSBAND OF XXXX XXXX IS DEAD, I CAN NOT USE MY MONEY! WHERE IS IT GOING! THIS HAS TO BE A CRIME. I am desperate to get this resolved. Please, please, please help me access SAN DIEGO COUNTY CREDIT UNION -- my funds!
Product: Credit reporting or other personal consumer reports

Remove this account immediately it has been deleted remove from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Affirm Inc, has 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
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 use 1681. 

cXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 an 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Finance ) XX/XX/2023 I am requesting this inquiry be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of XXXX XXXX XXXX.
Product: Credit reporting

disputing transunion score reporting on one blemish that has taken my score down so low.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX under a company called XXXX XXXX sent a credit card application with my name on it to an address that I do not live at and I have never lived there.
Product: Credit card or prepaid card

On XX/XX/XXXX a credit card account was opened without my knowledge. 

Account type - REVOLVING Condition - Open Responsibility - Individual Term ( in months ) - NA Remarks- NA Date of account status - XX/XX/XXXX Times XX/XX/XXXX days late - XXXX Creditor info COMENITYCAPITALXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX APT XXXX XXXX Georgia XXXX. Please update my name to : XXXX XXXX, My only social security number is : ( XXXX ) and my only and correct date of birth is : XX/XX/1972. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Checking or savings account

I opened an account with US Bank on XX/XX/XXXX with a promotional code of XXXX which based upon amount of direct deposit a promotional bonus was to be paid. I met this criteria in the first 60 days with XXXX XXXXXXXX in money direct deposited into the account. I called in early XXXX to ask why the bonus hadnt been paid and they said wait until XX/XX/XXXX and if it wasnt paid to contact them back again. I contacted them back again on XX/XX/XXXX and they entered yet another case this time and told me someone would contact me to ensure it was paid out. I filed a CFPB complaint and the reasoning stated that the reason the promotion was not paid was because the intended recipient was different than the person filing the complaint. I am the person filing the complaint, the person that opened the account, and the person for which the direct deposit was from. Contact information was provided by US Bank if I wanted to discuss further or get a further explanation and I left voicemails with them but no one has ever returned my phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you of unauthorized inquiries on my credit report that I would like removed. As per the Fair Credit Reporting Act ( FCRA ), unverified and unauthorized items must be removed from the credit report. Therefore, I request that you remove the following items from my credit report : XXXX account that shows closed on XX/XX/XXXX XXXX  XXXX XXXX that shows closed on XX/XX/XXXX Hard inquiry from XXXX XXXX XXXX Inquiry : XX/XX/XXXX Additionally, I noticed that Experian is reporting an incorrect address on my credit report. The address mentioned is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, but that is not my address. 

Furthermore, there are inquiries on my credit report that I did not authorize, such as : XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX I request that you investigate these inquiries and remove them from my credit report as they were not authorized by me. 

I appreciate your prompt attention to this matter and look forward to your reply. 

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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX company still has my account with a balance of XXXX with XXXX when the balance is XXXX, paid in full. Also XXXX and Equifax have not included this trade line on my credit report and i have requested that it to be reported since it is with one major bureau, that the other 2 agencies should report the same.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

This company flagged my account today for a debt I was never contacted for nor made aware of. I was never giving the opportunity to dispute or verify the debt. How did this debt occur in XX/XX/2020 when Im currently with the company XXXX that the debt is for? This debt looks fraudulent and I should have been contacted before they decided to damage my credit reports without any attempt to communicate first.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am battling a negative account on my credit report that should not be there! XXXX XXXX flagged my account as late 30 days when it was not late! They messed up internally and they stated that the account was notated to be updated by the credit bureaus! It has now been over 60 days and I have not seen it updated! I am reaching out to the credit bureaus to honor that notation. This late payment is not only a violation of the FCRA but it is also a defamation of character and is predatory. It has prevented me from looking to purchase my home because I know it will hurt my chances. I am demanding that this account be updated to 100 % Current and paid on time status.