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 XXXX 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 severe XXXX and stopping me from getting this job offer XXXX 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

My complaint is about DISCOVER and XXXX Credit Bureau. I noticed XXXX unknown, unrecognized inquiry on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/2022 Because I did not apply for credit with DISCOVER. 
Please launch an investigation into DISCOVER inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if DISCOVER is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Product: Mortgage

I called in and got put on a repayment plan to get caught up on my mortgage payments over a 6 month period. I received a letter shortly after that advising me the program I was put on was not valid. I called and asked them why would you put me on a program if it was not a valid program to get me caught up. The customer service rep would not let me talk and kept advising me I needed pmts prior to what I had set up. At that time I requested a Team Leader to try and talk throuth the situation
Product: Debt collection

Multiple calls everyday. Company received cease and desist letter XX/XX/2021. Im still getting unwanted calls XXXX XX/XX/2021, XX/XX/2021 ) and email as well. Not to mention, the violations : 15 USC 1692b ( 5 ) 15 USC 1692c ( a ) 15 USC 1692c ( c ) 15 USC 1692d ( 5 ) 15 USC 1692e ( 2 ) ( a ) 15 USC 1692e ( 3 )
Product: Debt collection

Collection of {$700.00} At 4 years ago Is showing at my credit report
Product: Money transfer, virtual currency, or money service

Dear CFPB The problem with the bank Chase, I'm never received my money, the wire transfer never received the receptor .the amount was us {$5400.00} .The bank never give me answer where the money I would like can help me XXXX XXXX XXXX XXXX XXXX )
Product: Debt collection

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX. 
Investigation Request Letter Date of Birth : XX/XX/year> ( SS # : XXXX ) To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I.am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can not provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. Type of Account : Public Record : Case Number : Action Requested : Please provide proof that its reporting correctly from the Courthouse and not a third party and delete if anything is incorrect Collection Account : Account Number : Please investigate if every piece of information is correct. If not, please remove it from my credit report. Paid Account/Late Payments : Account Number : Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as " paid as agreed '' I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. Thank you for your time and help in this matter. Sincerely, ( XXXX XXXX ).
Product: Debt collection

I require this debt to be validated that it belongs to me under the Fair Debt collection Practices Act. I have the right to request validation. I want in writing any proof that I am the party owing the debt, any EOB and statements proving the debt is mine. If not provided within 30 Days please remove from my credit immediately.
Product: Debt collection

The relentless presence of these fraudulent accounts is not only an inconvenience but a severe violation of my financial security and mental well-being. I was the victim and Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I have taken all necessary steps to report and address these incidents of identity theft, yet the continued inclusion of fraudulent accounts on my credit report is exacerbating the distress caused by the initial breach. The continuous inclusion of these unauthorized accounts is not only irritating but is causing significant distress to my mental health. I can not comprehend why the bureau persists in allowing fraudulent accounts to tarnish my credit report. 
XXXX XXXXXXXX XXXX PLEASE DELETE!!!! 
XXXX XXXXXXXX XXXX PLEASE DELETE!!!! 
I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and expect your bureau to adhere to the highest standards of accuracy and security. The current state of my credit report is not only unacceptable but poses a direct threat to my financial stability and mental health.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , IncXXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent account listed below which is resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNT THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX ( Reported Identity Theft )
Product: Bank account or service

In XXXX I signed up for a trial with the company XXXX XXXX using my Paypal account. As these things usually go, I forgot to cancel the service prior to it converting into a recurrent billing subscription. After noticing the charges a month or two later I contacted the company and informed them that I had no interest in continuing the subscription. Instead they continued to charge my card. I contacted them again and when that did not work I closed my bank account and opened a new account to prevent any further unscrupulous charges. Last night, I used Paypal to purchase a XXXX gift so I entered my new debit card information into my Paypal account. This evening, I received a notification from Paypal that the debit card from my new bank account incurred a XXXX charge from XXXX XXXX. I immediately called Paypal and after suffering through a myriad of tedious prompts and useless information I was finally able to figure out how to get someone on the phone. I explained the situation to the Paypal rep I spoke to and made it clear that I wanted the charges reversed. He refused because it was a recurring payment. I attempted to explain to him that I NEVER authorized XXXX to make charges to my new debit card. Furthermore, I did not authorize Paypal to use my new card information as a back-up form of payment so the charge should have never shifted to that card. There is a box you can check to designate any new payment information added to your Paypal account as a back-up form of payment. I purposely did not check the box. Apparently, that gave them the right to " decide '' for me? I have used Paypal for a plethora of purchases as well as a few recurring payment situations. However, whenever I have contacted a company, outside of XXXX XXXX, requesting a cancellation payments have always stopped so I have never needed to ever call Paypal with a problem. Needless to say, this entire situation is disappointing. Especially coming from a company that purports itself to be customer service oriented when their recent actions are indicative of the opposite.
Product: Credit card or prepaid card

On XX/XX/XXXX my wife received a call from Barclays - XXXX XXXX XXXX Credit Card - security department alerting us of some possible fraudulent activity. Three charges for {$410.00} each were made within minutes of each other to XXXX in XXXX, NC. The charges were being made as we were on the phone with the security folks. I told them that we were not making the charges. We were on the phone for XXXX hours and finally they reversed the charges. They cancelled that credit card and sent us a new card. In XX/XX/XXXX, out of the blue, Barclays added those charges back to our account. I called the security department phone number and was told that they had decided that the charges were not fraudulent and that we owed the money. They said that we were physically in XXXX ( XXXX hours away from our home ) and made the charges. Then they asked me to provide proof that we werent in XXXX in XXXX. I submitted an affidavit to the fax number Barclays provided. Several days later, I tried to call to check on the affidavit and spoke to someone who basically said that we needed to prove that we didnt make the payments. I told them that I had sent an affidavit to the fax number the security department gave me and the person stated that her manager would call me. No one called me back. A week later I called again. I was given the same statement - that I needed to prove I was not there. My wife decided to go online and dispute the charges ( again ). Barclays removed the charges again. We received a letter stating that they would investigate the charges. Over the next several weeks, I tried to call several times and received the same statement each time. Finally, we received a letter stating that they had determined that the charges were fraudulent and we are not responsible for the charges. Barclays removed one of the charges, but added the other two back to our account. Tonight ( XX/XX/XXXX ), I AGAIN called security about the charges and was were told again ( for the billionth time ) that we have to prove that we didnt make the charges. I have asked to speak to someone about the investigation and to see the results of their investigation at least 5 times and have not received a response. Weve asked to speak to management every time weve called and were told they would call us within the next business day and have never received a call back. We did not make the charges they are saying we did. In fact, the only charges we have ever made on this card have been to XXXX XXXX XXXX. I want to just state that Barclays is the worst credit card company we have ever dealt with. In fact, their total lack of response to obviously fraudulent activity is maddening. Not only are they horrible, it makes me never want to go on a XXXX XXXX if they are working with this very crooked company!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Transunion are reporting incorrectly a collection in the amount of {$2300.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was originally with XXXX XXXX. The money borrowed on the credit card had a term of ( 12 ) months at 0 % interest. I was making the required monthly payments on-time. XXXX XXXX did not honor the terms of the agreement and started to charge interest prior to the expiration of the promotional period. I was continuing to make the monthly payments without knowing that the payments that were being made fell short of the monthly amount due. I was never notified that XXXX XXXX had started to charge interest ( prematurely ) and that the monthly payments had changed. It came to my attention that this account went to collection when I obtained a recent copy of my credit report. This account has since been paid and should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Student loan

XX/XX/2024 To Whom It May Concern, We realize everyone has their own situation and circumstances. Im reaching out to make myself feel better and know Im doing or have done everything possible to repay my childrens education.

My husband and I became unexpected and young parents XXXX XXXX XXXX. Its always been a struggle, but we have managed to better ourselves and our children. 
Weve been fortunate that our children, now adults, have always been successful throughout school and now in their careers. 
We didnt know how we were going to afford college but did what we thought was best and sought Federal student AID. Not knowing what we were doing we used every family member social security number and accomplished our goal. 
They were both XXXX XXXX and graduated in XXXX XXXX. My daughter is now an XXXX, and my son works as a XXXX  XXXX. 
We also suffered during XXXXXXXX  with unemployment but are back on our feet. 
Initially, we were given student loan forgiveness. Now we are in repayment and in educating ourselves we will never pay off our debt. Ive spent countless hours researching, sitting on hold talking to student aid and Nelnet. Weve consolidated and weve paid overage. My phone calls today, which prompted me to write this, I spoke with very pleasant ( and trying to be helpful ) representatives who have only been able to apologize. Our student loans are our biggest debt. 
On One of four loans were charged {$16.00} a day in interest so after a {$550.00} payment ( for this particular loan ) approximately {$38.00} goes towards our principal. So, it appears paying over isnt really beneficial and we throw this money away and will be paying for our lifetime. 
Were willing to repay for what our children have gained but there has got to be a better solution. Ive sought advice and now Im reaching out to you for help or advice. 

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

Looking over my documents I notice that I do not have a copy of the contract that I have with Equifax the debt collections that is on credit profile. Under the FCRA it is the Responsibility of Equifax to ensure that they proper documentation from me stating that I gave them some form of permission or to show proof of some contract to report these accounts on my credit profile.. May Equifax provide copy of the written documents or some form of agreement to where I gave them permission to report these account on my credit profile. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$16000.00}.
Product: Checking or savings account

In XX/XX/2016, after I had an extensive XXXX, and could not drive with assistance. In the moment of that, I switched my direct deposits to another account and kept a balance in my Wells Fargo accounts to ensure they would be in good standing. Wells Fargo sent me a letter closing my account with any explanation, telling me that they did not have to give me a reason. I was supposed to get a cashiers check from them but I was not able to use my torso, arms to drive. I had a checking and savings account. This was followed by closing of the account, and the failure of explanation when my account was in good standing. 

My former name is XXXX XXXX, and was my name when I had the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a ftc report fir identity theft and sent multiple dispute with debt proof its me all my credit on file is fraud i never git a chance to build credit no one is helping take i toff XXXX  XXXX   and equifax
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX XXXX XXXX and XXXX are not maintaining reasonable procedures. 
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Neither company informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

LVNV FUNDING LLC 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, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX XXXX* Balance : {$600.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative collections disputed and result states they were removed from credit report but they are still showing on my credit report and have not been removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in dispute for quite sometime over the following items : NONE OF WHICH HAVE BEEN BOTH VERIFIED AND VALIDATED NONE OF THE NECESSARY PROOF OF VALIDATED AND VERIFIED CLAIMS HAS BEEN PROVIDED TO ME, THE CONSUMER. 
NONE OF THE PROPER CONSENTS ( SIGNED BY ME ) TO FURNISH THIS INFORMATION HAVE BEEN PROVIDED TO ME XXXX Closed Acct, -Closed Alleged Late Payment : XX/XX/XXXX XXXX : : Alleged Late Payment XX/XX/XXXX XXXX : : Alleged Late Payment XX/XX/XXXX -XXXX : Alleged Late Payment XX/XX/XXXX -XXXX : : Alleged Late Payment XX/XX/XXXX XXXX XXXX XXXX : BALANCE {$480.00} BALANCE UPDATED XX/XX/XXXX I have disputed these claims and informed them of violations within reporting these items : 15 U.S.C 1692 15 U.S.C 6821 15 U.S.C 1681B I DID NOT CONSENT NEITHER PROVIDED NOTICE TO REPORT ANY ACCOUNT STATUS/INFORMATION.