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

Hi I am submitting this XXXX 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 719transunion has me at a score around 590. 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 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 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 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 XXXX XXXX  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: Credit reporting, credit repair services, or other personal consumer reports

Hello. I am a consumer whose rights were violated by Equifax, XXXX, and XXXX. I pulled a copy of my consumer reports on XX/XX/XXXX. I read through all of my reports and did some research. I realized that I have been ignorant of the law and that I have been violated by these agencies. I filed an identity theft report, then mailed a copy along with dispute letters to Equifax, XXXX, and XXXX on XX/XX/XXXX to confirm that I didn't provide written consent, permission, or instructions for these transactions to be reported to my credit report. These transactions also should have been excluded from my consumer reports because I did not give consent, and there is no permissible purpose for these items being reported. None of the companies reporting gave me the option to opt-out from reporting, nor did I give them permission to report anything. I checked the post office website, and I know Equifax, XXXX, and XXXX received these letters on XX/XX/XXXX. I gave them 4 days to block and remove these items. Today is day number 4 and I haven't received a response. Here is the list of items they were instructed to remove : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received notification from my creditors credit monitoring service that there were hard inquires on my credit report that I did not initiate. 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Over the last two days, I've tried to send money via XXXX for the first time. I entered the person receiving it without a problem. There was first an issue with the amount I was sending but I received an automated message telling me I couldn't send more than {$1000.00} so I at least could adjust to that. I tried to send {$1000.00}. I received a code via text but couldn't enter it in the required box -- every time I tried, the screen flashed. The first customer service person told me it was a browser problem and asked that I try another browser. I tried two more browsers with the same result. The second customer service person gave up, but said there now appeared to be a fraud alert on my account that hadn't been there before. So I was changed to the fraud group. After many questions an explanations -- one of which was why I was trying to sign on from different browsers so close together in time -- the fraud alert was cancelled and I was assured that everything in my account was going through and would not be held up. Then I went to tech support and after several unsuccessful interventions, we appeared to get XXXX working. I went back to customer service and they confirmed nothing would be held up and that the {$1000.00} had been sent and that I could send another {$1000.00} today. The transaction posted this morning. The recipient didn't get the money. I went on again today and found the transaction had been deleted and eventually found a note that it had been cancelled. I tried to send another {$1000.00} again. The system failed again and I was back with customer service. I'm told the limit is not {$1000.00} but {$990.00} and I should try that. I did, and it might have gone through, but the message says it is pending. That happened yesterday as well but customer service said it wouldn't be an issue since the fraud alert had been lifted. I asked why I should believe anythng any one from Wells Fargo says and asked that a human being call me if the latest transfer was cancelled. That was seen as unreasonable, first by the person I talked to and then by his supervisor. She said I couldn't hold them accountable for the answers they give me. Out of all of these events XXXX me off, that was the silliest and least professional. I still don't know if the system is working, And while the individuals I'm talking to are frustrated -- certainly with me and perhaps with Wells Fargo as well -- no one will take responsibility as an organization.
Product: Debt collection

Hello! 

I sent them a debt validation letter dated XXXX. They failed to work with me and were very rude to me. When i asked for the company manager they hung up in my face. I contacted them several times after and received the same response.
Product: Credit reporting or other personal consumer reports

I have no liability to XXXX XXXX XXXX for they are a third party debt collector and I have contract no with them. XXXX XXXX XXXX brought the debt from XXXX XXXX XXXX in which the debt would had to have been charged off. A charge off is considered income and income can not me reported to credit report because it turns into a certificate of indebtedness. I would like XXXX XXXX XXXX to provide me the direct contract between them and XXXX XXXX XXXX showing that they are authorized to collect for XXXX XXXX XXXX and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was never given a notice or a way to opt out of XXXX XXXX XXXX XXXX XXXX and Experian reporting this to my credit report.
Product: Debt collection

This account was opened in my name without my authorization. I don't recognize the reported account. This is a request for the account to be deleted from XXXX XXXX XXXX XXXX. I asked TD Bank to validate with a contract for proof of signature, this doesn't exist. 

TD Bank determined this isnt mine but as it was opened in 2013 they say I need to dispute with the bureaus to remove it, which doesn't work. This charge-off continues to be reported by TD Bank on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that Equifax is not scoring my credit fairly. My credit score is XXXX when it should be much higher than this. The reasons they are giving me for things that are hurting my credit are cancelled out by the things they are saying that is helping my credit. Also I have low to no balances on my credit cards but it isnt raising my score one bit. But if I use {$1.00} on my credit card, I get ding severely. Also I paid down half of one of my installments from {$1600.00} to $ {$720.00} and my scored dropped 54 points. Why did my score have to drop so much for paying down my debt? This is unfair. I feel like I am being discriminated against.
Product: Credit card or prepaid card

I use the app for synchrony bank for discount tire. We did a promotional for one year interest free on your purchase. As most people these days I opt out for paper mail and use the app to pay my bills. Just this month I noticed that the balance had increased a lot. I looked over the account and noticed that they charged interest to my account without ever sending an email, paper letter, or stating on the app that the promotion was expiring. I called the company and they straight up told me that after 30 days that they couldnt do nothing for me. They even admit that the app does not show the expiration and they do not send out email reminders to tell you when it expires. She states that you can only see the expiration date on the promotion if you download the statement every month. I dont know of any company these days, and with the current situation of the world, on why they would not send out a 60 then 30 day reminder for a promotion ending. So, because I thought my promotion hadnt ended yet I got charged XXXX on interest and now XXXX a month for a XXXX interest rate. So every payment I have done is like I never even made any at all. The customer service was rude, told me there was nothing they could do, and then continue to try and get off the phone instead of trying to work with me. I also wanted to do the survey at the end of the call and stated that to them and they hung up the phone before transferring me to the survey. I get some of it is my responsibility, but I also blame this company for making it so impossible and not sending reminders that the promotion was ending all so they can charge the interest and not give someone the chance to pay it off. This company is obviously doing this purposeful to make easy money off of the daily consumer. It is completely horrible that a company is not willing to work with the consumer, not even a little.
Product: Credit card or prepaid card

On XX/XX/2021 someone tried to use my NetSpend card and charge {$2000.00}. The charge was blocked and their fraud department informed me that my phone number XXXX street address, etc. had all been changed. He then unblocked it and sent me a different card which I should arrive tomorrow. Immediately someone logged in and turned off notifications to my phone number and changed the email address ( pics attached ). I have since tried to get help unlocking my online account so I can transfer money to my wife 's account because ALL of my money is locked to that account. After calling from XXXX XXXX  to XXXX ( closing ) on XXXX XXXX and again this morning XXXX XXXX from XXXX XXXX  until XXXX XXXX  I've been told they can't look at my account or even transfer me to their fraud department again because my security answers were wrong! Obviously, because I don't know the hacker 's answers! So basically 6 hours of calling and arguing ( all time that they are using to do who knows what to my account and money ) and XXXX calls ( every number that isn't blacked out is NetSpend ) I've called the FTC who directed me to this page for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in the information from the police, for the theft of identity on my credit report. And TransUnion refuses to correct the problem. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXXXXXX These accounts not verified but still showing from dispute from XX/XX/XXXX over a month ago
Product: Debt collection

I used XXXX as my cell provider for about one year, then I decided to change the provider. I called them to disconnect the 4 lines that I had with them, and went to XXXX and open new service, by the way XXXX is company associate of XXXX, Two months later XXXX is still billing me for their operator who did not put my request on the system. A cellular phone could only be active in only when provider. They want to charge me for service they know they did not provided. 
I do not know this amount. 

Thank you
Product: Checking or savings account

A transaction posted that was cancelled. I have documentation from the vendor. Also, there are 2 fees being charged that should not be charged because they were charged on pending transaction that have not posted to the account.
Product: Credit reporting or other personal consumer reports

In my initial complaint filed with CFPB, I requested that Equifax delete certain accounts listed in CFPB complaint # XXXX. 
Equifax made updates to my credit file but did not delete or remove fraudulent /inaccurate accounts and continue to violate several laws to include 15 USC 1681n ( Civil Liability for Willful Non-compliance ) Willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. Additionally, as a consequence to me for filing complaints against Equifax, Equifax has begun retaliation methods towards myself which is a violation of the FCRA which protects consumers from retaliation by credit bureaus. As of XX/XX/year> I successfully logged into my Equifax online account and made an update to my phone number within my account ( and confirmed by receiving a confirmation email of the change from Equifax at XXXX ). Approximately XXXX minute later the website booted me out. I attempted to log back into the Equifax website ( without the need to manually enter my password as my browser automatically prefills the saved username and password for me ), however, I was immediately prompted to call Equifax. I attempted XXXX more times to login to no avail. I then called Equifax and was on hold for XXXX minutes before finally reaching a representative. The representative performed troubleshooting methods with me including using the " Need Help Signing In '' feature, to no avail. The representative escalated my situation over to the technical help department in which that department is scheduled to reach back out to me via email for further assistance in gaining access to my Equifax account. In summary, it appears Equifax has blocked my access to my account so as to not be able to view any updates ( or the lack thereof ) to my credit file, as a consequence for filing complaints against them with the CFPB and FTC.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company. 
Please review and investigate the accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and delete the followwing disputed account : XXXX XXXX XXXX  account XXXX
Product: Debt collection

I received a collection debt on my XXXX XXXX and XXXX that I have no knowledge of. The name of the debt collector is Bounce AI with an open balance of XXXX states it was opened XX/XX/XXXX of 2024. I have no knowledge of what this is for and I also did not remember opening any account this year.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had an frodulent account reporting to my report. Please remove this account from my report, it is hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased new XXXX XXXX service through XXXX XXXX XXXX. IT is being installed today. I received a letter a few weeks ago ( I was away on vacation for 10 days ) indicating that my credit score is XXXX from a company called SageStream LLC. My credit score has always been excellent and ranges between XXXX and XXXX across the three major credit bureaus. 

The XXXX XXXX XXXX letter goes on to say that based upon my credit history, XXXX XXXX XXXX is imposing certain restrictions or conditions on my account. I called XXXX XXXX XXXX and they said that I have to contact Sage Stream to have it corrected. I even explained that they did not use my full name in the letter. I have a very common name and I'm sure there are thousands of people with the same name. The XXXX XXXX XXXX agent was professional but could not help me. 

I went online to request my credit score from SageStream LLC. and they want a copy of my driver 's license. That is ridiculous and scary in this day and age. So, I refused to provide the information. 

I'd like to file a complaint against SageStream for providing information about me but that not allowing me to access it. I '' d also like to file a complaint against XXXX XXXX XXXX for not using the three major credit bureas where I already have access to my information. 

Thank you in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

INNOVIS FAILED TO REMOVE XXXX XXXX LOAN AND XXXX XXXX XXXX.
Product: Checking or savings account

Received a text from XXXX. It states " XXXX & XXXX We notice unrecoqnized debit transaction on your acct, verify to secure ''. 
Web site included is " ( XXXX XXXX XXXX ) I believe this is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX I made a request to have a security freeze on my profile and I have not received a PIN as requested. I want to have my profile to have a security freeze. I do not consent to have my profile open to the public. This is a stall tactic not to comply with my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Credit card

They closed my account on XXXX. But keep reporting it open to XXXX. I requested the account be closed on XX/XX/2023. They closed the card and sent me a confirmation email that it was closed. I had no late payments at the time. Its fixed on all the other credit bureaus. But it keeps being reported open on my XXXX report. It is now almost 90 days and I have disputed it several times with aspire customer service as well as XXXX. XXXX keeps saying that a spire says its opened. When I call and speak to a spire customer service, they verify that it was closed on XX/XX/XXXX and keep giving me the runaround and saying oh it will be updated within 30 days. Will it be in three months now and now I have a late payment reported and this falsely reporting an accurate information is damaging my credit severely and his violating the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX, XXXX XXXX is violating the Fair credit reporting act ( 15 USC 1681 et seq. ) as well as the Fair Debt Collection Practices Act ( 15 USC 1692 et seq. ) by furnishing inaccurate and incomplete account information and payment history to XXXX XXXX, the consumer, as well as all three credit reporting agencies which include XXXX, XXXX, and TransUnion. 

As of XX/XX/XXXX, all three credit reporting agencies ( XXXX, XXXX, and Transunion ) are violating the Fair credit reporting act ( 15 USC 1681 et seq. ) by reporting inaccurate and incomplete account information and payment history on all XXXX of XXXX XXXX consumer credit reports and files. 

XXXX has furnished to XXXX for partial account # XXXX : - XXXX XXXX ( XXXX potentially negative months of payment history ; varies from XXXX and TransUnion ) - Monthly payment : {$860.00} ( varies from XXXX and TransUnion ) - Status updated : XX/XX/XXXX ( ( varies from XXXX and TransUnion ) - Payment History start date : XX/XX/XXXX ( varies from XXXX and TransUnion ) - Balance : {$48000.00} ( does not reflect money received after sale of vehicle after repossession ) PLEASE SEE EXHIBIT A. XXXX BUREAU CREDIT REPORT WHICH INCLUDES ERRORS AND INACCURATE REPORTING XXXX has furnished to XXXX for partial account # XXXX : - XXXX XXXX ( XXXX potentially negative months of payment history ; varies from XXXX and TransUnion ) - Monthly payment : NO MONTHLY PAYMENT AMOUNT REPORTED ( varies from XXXX and TransUnion ) - Status updated : XX/XX/XXXX ( varies from XXXX and TransUnion ) - Payment History start date : XX/XX/XXXX ( varies from XXXX and TransUnion ) - Balance : {$48000.00} ( does not reflect money received after sale of vehicle after repossession ) PLEASE SEE EXHIBIT A. XXXX BUREAU CREDIT REPORT WHICH INCLUDES ERRORS AND INACCURATE REPORTING XXXX has furnished to Transunion for partial account # XXXX : - XXXX XXXX ( Unknown payment history ; varies from XXXX and XXXX ) - Monthly payment : {$860.00} ( varies from XXXX and XXXX ) - Status updated : XX/XX/XXXX ( varies from XXXX and XXXX ) - Payment History start date : No Payment History being reported ( varies from XXXX and XXXX ) - Balance : {$48000.00} ( does not reflect money received after sale of vehicle after repossession ) PLEASE SEE EXHIBIT A. XXXX BUREAU CREDIT REPORT WHICH INCLUDES ERRORS AND INACCURATE REPORTING The data furnisher mentioned above as well as all XXXX major credit reporting agencies are violating my rights as a consumer by furnishing and reporting incomplete, inaccurate, and outdated consumer credit information for XXXX XXXX partial account # : XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Went to truist bank on multiple occasions to get a business loan with XXXX XXXX XXXX XXXX, was denied credit! Tried again for a personal loan, denied again. Also tried to get a XXXX  loan with my business partner and was denied again. According to Truist not enough credit history for my partner & business was too new. I'm just trying to get funding together my business off the ground. Asked for XXXX denied.