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

Hi I am submitting this XXXX 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Money transfer, virtual currency, or money service

My complaint against PayPal Inc. is such a very doable action as far as I am concerned. This was just not given attention regardless of the numerous contacts, emails and calls done. PayPal, has put a permanent limitation to my account XX/XX/XXXX when it has unwithdrawn funds yet amouting to more or less XXXX XXXX. I received an email last XX/XX/XXXX stating that my money is now eligible for withdrawal. Now, its XX/XX/XXXX and I havent gotten the chance to enjoy my own money because it is not in my own hands that lies the ability to adjust the limitations set on my account which one of those it to withdraw money from my account which up to know shows under the restricted actions that I am not allowed to perform which then hinders me as well to add a bank account a XX/XX/XXXX card and is denied to me several times by supervisors on their Limitations Team stating that their front end agents are LIARS because they informed almost everyone about adjustments done when an account is limited and withdrawal needs to be done. Well, what can I say? I know their limitations Team may not exceed a number of adjustments per day or their metrics are gon na be suffering.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't really know how to explain this but I have paper work that shows the accounts are no longer open they need to be off so my credit score can improve.
Product: Credit reporting or other personal consumer reports

I recently reached out to Equifax in XXXX and XXXX of XXXX regarding information and items on my credit profile that were inaccurate, outdated, and even fraudulent in nature. Equifax only corrected a portion of it and has continued to report the same inaccurate information. I have reached out to try to correct this a couple of times since my original request. They willfully neglect my requests for correction of the information and now I find myself needing to make this complaint.

According to Cushman v XXXX  1997, Equifax is required to ensure MAXIMUM POSSIBLE ACCURACY. Because they refuse to comply and remove the information that I requested to have deleted, my credit report violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ), and 15 USC 1666b .

I have incorrect names, address, phone numbers, employers, and inquiries which were allowed without a permissible purpose or written authorization from me.
Product: Debt collection

Was threatened in XX/XX/XXXX with a lawsuit, now being threatened with the company filing a XXXX with the IRS and said I could go to prison or I can pay {$3500.00} to make it all go away. This is on a credit card with last activity from 2005
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 a hard inquiry was added to my credit score from XXXX XXXX and JPmorgan. I disputed it with XXXX stating it was fraudulent. The dispute was denied by XXXX XXXX. I reached out to XXXX XXXX as this was not me. No one from either banking nor credit could assist me. One representative even said dont worry no account was opened. I inform him thats great but the inquiry needs to go. He transferred me to another department that also couldnt help.
Product: Debt collection

Jefferson capitol on XX/XX/XXXX added a old debt that the original company knew it was reported as fraud they attached it to my credit profile as a debt collection I told them to remove the debt collection of XXXX of my report from a XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is showing on my credit report as a collection and I checked and they are not registered with the Secretary of Ohio to be able to collect this debt as I have resided in Ohio for the last year. Ive contacted the credit bureau as well as the agency and they have failed to remove the collection.
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ... promptly DELETE all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Product: Credit reporting or other personal consumer reports

I Have contacted the Credit Buraus in regard to the fraudulent inquires on my credit reports and these inquiries still are presenting on my Experian and XXXX report. I am requesting that these inquires be removed. 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
Product: Credit reporting or other personal consumer reports

This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation.

\nI demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows 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
Product: Debt collection

Company is currently using an auto dialer with a recording message that i am currently under investigation for my assets.

This is a blatant violation of FDCPA also TCPA for method of contact being that i did not consent to be contacted via auto dialer Furthermore there numerous complaints on the web for there tactics to intimidate consumers with is un just and-needs to be rectified
Product: Credit card or prepaid card

I was the victim of credit card fraud when I received 4 unsolicited and unauthorized CareCredit cards in the mail and charges were already made to the card in the amount of {$18000.00}. Synchrony Bank did not exercise reasonable care in issuing the cards or authorizing the charges. I also believe that Sychrony Bank and/or JC Penney had a breach that they have not reported to the public ( since that is the only other business I had with them ). 

On XX/XX/XXXX, I received 4 unsolicited credit cards at my home address, one issued in my name, the other 3 issued in the names of 3 other people I do not know and who do not live at my address ( each one had a different last name and none were the same as mine ). On the same day, I received a letter from Synchrony Bank advising of potentially unauthorized charges on these cards. They also advised that because I have a JC Penney card, I " do business '' with Synchrony Bank. During the call, I closed and blocked the unauthorized credit cards and my JC Penney card. 

On XX/XX/XXXX, I called Synchrony Bank and advised that I did not apply for or authorize these cards. I was advised that charges in the amount of {$18000.00} had already occurred on XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX ( before I received the cards or notification of unauthorized fraud ). 

Synchrony Bank was negligent in issuing unauthorized cards they did not verify and in allowing unauthorized charges on the cards ( especially since the charges were made without having the cards in hand and without direct authorization from me. I also believe JC Penney and/or Synchrony Bank had a breach of personal information since that is the only other business I had with them.
Product: Credit card

Wells Fargo knew full well from their internal data that they were going to reject my application for a credit card that they advertised to me online. The listed their reason as accounts with Wells Fargo were not paid as agreed. This is from several years ago a XXXX XXXX XXXX 

Instead of just denying my application which they knew they would do they had me unfreeze my credit report and then they did a hard pull on my credit which showed that I now have excellent credit. 

Whether this was deliberate harassment or bumbling incompetence it is not acceptable for a fiduciary. 

There was no need whatsoever for them to put me through unfreezing my credit and then enduring a hard pull on my credit report. 

Again I emphasize that Whether this was deliberate harassment or bumbling incompetence it is not acceptable for a fiduciary.
Product: Checking or savings account

To whom it may concern, I am writing to request your help in finding my lost {$2000.00}. This has been an ongoing issue since XX/XX/2023 between XXXX XXXX  ( account XXXX ) and Bank of America ( account XXXX ). Here is a timeline of my efforts : XXXX XXXX - using XXXX XXXX online services, I initiated a {$2000.00} transfer from my Bank of America account to my XXXX XXXX  account. It is important to note that I started this transfer from the XXXX XXXX  website and not from the Bank of America website. I received a notice that the transaction would be complete within 24-48 hours. 

XXXX XXXX - XXXX received an email confirmation from XXXX XXXX  that the {$2000.00} transfer was completed. 

XXXX XXXX - XXXX closed my XXXX XXXX  account, forgetting to check about the incoming transfer. I received a notice ( attached ) showing that the {$2000.00} was returned to Bank of America with an estimated arrival by XXXX XXXX. 

XXXX XXXX - XXXX checked my Bank of America account and noticed that the {$2000.00} hadnt been returned. I went to the XXXX XXXX  branch in XXXX, CA and spoke with XXXX XXXX and she made a few calls. I stayed with her for XXXX hours before she concluded that it was a Bank of America issue. 

XXXX XXXX - XXXX XXXX - XXXX made numerous calls between Bank of America and XXXX XXXX  trying to resolve the issue. Each bank kept pointing me to the other bank. I spoke with XXXX at Bank of America, as well as XXXX with the Bank of America Disputes department. I tried to file a claim with Bank of America, but they stated that since the transfer was initiated through XXXX XXXX, and that XXXX XXXX  didnt return the {$2000.00} to Bank of America XXXX there was no trace number and nothing to file for. 

XXXX XXXX- I went to the XXXX XXXX  branch in XXXX, CA and spoke with XXXX XXXX ( XXXX XXXX stopped returning my calls ). He tried to be helpful, but was also unable to assist. He confirmed that the {$2000.00} never hit my XXXX XXXX  account and that filing a claim with Bank of America should resolve the issue. 

That same day, my son and I called XXXX XXXX  again and spoke with XXXX. We were told that she would investigate and speak with the XXXX department, then call me back on XXXX XXXX at noon. 

XXXX XXXX- no call back from XXXX XXXX XXXX 

XXXX - my {$2000.00} is lost and neither bank can assist. 

Attachments : XXXX XXXX  XXXX Bank of America XXXX XXXX XXXX  emails
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for Best Buy Visa credit card on XX/XX/2019 and I was approved. I used the credit card for purchase 3-4 times and every time they used to look up my account in store using my id as I didn't receive the physical card. 

On XX/XX/2019 I went again to a Best Buy Store at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX for purchasing one item and I asked the associate ( XXXX ) to look up my account. I clearly informed him I already have the Best Buy credit card and he just need to look up so that I can pay with the Best Buy card. 

He told me we need to look up in some other system so please enter your details. I raised red flag saying I am not applying for credit so why you need details like salary etc. He said we need this to look up you exist in system. 

I told him that there should not be any hit to credit score but he was still adamant for me to enter the details like income on key pad After this step the associate XXXX said that you already have an account and now your can pay. Thankfully I got a XXXX   XXXX alert which notified that the store did a hard hit on my credit report. 
This is fraudulent activity. 
I asked for Store manager and his flat response was I apologize but we can't do anything Store General manager name : XXXX This is fraudulent activity by Best Buy and I will like to report this to Consumer Financial Bureau so that other consumers are not cheated like me
Product: Mortgage

As a federal government employee in the midst of a government shutdown, we are requesting a Mortgage Forbearance.
Product: Credit reporting or other personal consumer reports

The following accounts ; 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 hindering me from getting a new car and a mortgage for a house because my credit report has compromised. The above accounts and inquiries are fraudulent and I want those accounts removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX alert from Experian that my XXXX XXXX had dropped by XXXX XXXX due to a delinquent payment for a XXXX XXXXXXXX XXXX account XXXX a challenge with Experian regarding delinquent payment and included information that clearly showed the balance XXXX {$0.00} and in good standing ; then called Credit XXXX and they confirmed and claimed they had NOT reported my payment as delinquent. Representative stated I would receive documentation stating this ( nothing sent ) XXXX-Called Experian and they simply stated they did not have to do anything and it was my responsibility to contact the company and figure it out. I called XXXX XXXX and after several attempts finally found a supervisor that found the error. The company had reported on a OLD and CLOSED account. I requested, again, for something in writing for my records and so I could file another challenge with proper documentation from XXXX XXXX. Again, nothing received and when I called again on XX/XX/XXXX to confirm that the letter was going to be sent I was told by that representative that they did not do things like that and could not do so. I stated they could and legally had to do so. Again, nothing has been sent. My credit score remains impacted and the delinquent payment is still on my report and on XX/XX/XXXX I received notification FROM XXXX XXXX  showing my score had dropped on their report by XXXX ptsdespite my account being at {$0.00} and no payments due.
Product: Payday loan, title loan, personal loan, or advance loan

I loading the epower app then star charging monthly fee for not reason I call try to stop them never stop now sending me emails to update my subscription I never did
Product: Credit reporting or other personal consumer reports

Houston Financial is a loan company that I have never even heard about. I noticed a hard inquiry followed by an open line of credit with them on or about XX/XX/XXXX. I immediately put a freeze on my account and filed disputes with all 3 bureaus. I tried calling HF and they told me to send in a picture of my ID on XX/XX/XXXX. I thought this was suspicious as I never have given me any information, however they are claiming they have a picture of my drivers license, banking info, and a selfie to verify the identity. I do not have any knowledge of this line of credit nor where the funds were distributed to. I called again today, XX/XX/XXXX and was met with the same contempt and was instructed to file a police report.
Product: Credit card or prepaid card

XX/XX/22 Email stating B of A credit card application received. 
Received multiple alerts from credit reporting agencies, and other companies I do business with. 
XX/XX/22 Called B of A XX/XX/22 Received call from Bank of America 's online fraud prevention and detection department. 
XX/XX/22 Returned B of A call to confirm fraudulent activity. I was informed that my birthdate and social security number was used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to all three bureaus and they have not properly handled my concerns. I asked them to send verified proof of the debt to which i was not supplied this verifiable proof. Here are the items : XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed that my personal information is not correct.
Product: Money transfer, virtual currency, or money service

My account for CashApp became negative on XX/XX/XXXX and I have been unable to determine how. I transfer money to CashApp to use, I do not maintain a balance in my account. I transfer money, use it. transfer money, use it. I had {$15.00} in my account, added {$19.00} and spent {$34.00} at XXXX. All prior transaction $ had already been removed form my account. A couple days later, my CashApp account was negative {$30.00} but I had no new transactions and no money returned to my account. I have checked my statements but Cashapp does not provide a running balance, only the starting balance for the month. I did an audit to see if I could determine how the account became negative and have been unable to figure it out. When I ask Cashapp they tell me my account 's negative because my bank disputed a transaction. The transaction in question is the {$30.00} they attempted to take from my bank when my Cashapp account became negative but Cashapp can't tell me which transaction or how my account became negative.
Product: Mortgage

I have been trying to reach our mortgage company, NewRez since XX/XX/2023. The one time I was able to get them on the phone, the system was down and they advised that they would call back. I have yet to receive a returned call. Our mortgage recently increased due to insurance rates- so we found a new insurance company. The new insurance company is drastically lower, I confirmed with the insurance department at XXXX on XX/XX/2023 that the new policy information has been received and is on file. 

I asked the insurance department what the next step is to reduce the payment as the insurance premium was significantly lower, I was advised to speak with customer service. 

I was on the phone with customer service for almost an 35 minutes- they have disputed that my insurance documents have been received and tried to transfer my call back to the insurance department- I then requested to be transferred to a supervisor and was told " they would call back ''