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

Something is very wrong here : I believe My XXXX, TransUnion and XXXX scores are being manipulated by the credit bureaus out of retaliation for the complaints I have filed. 
Facts : On XXXX My XXXX score was XXXX - 7 Neg accounts, 1 collection for {$9500.00}, overall credit usage at 35 %, Total Debt {$22000.00} XX/XX/XXXX ; NOTHING CHANGED SCORE up to XXXX On XX/XX/XXXX. XXXX, A few good changes : Collection account was remove, Number of late accounts dropped from 7 to 6, Overall credit usage a bit higher to 39 % ( Score dropped to XXXX ) XX/XX/XXXX : MORE GOOD CHANGES : No collection, Credit usage dropped to only 16 %, Total debt dropped from {$22000.00} to {$7800.00}, Credit card debt dropped from {$6200.00} to {$2700.00} and a XXXX Charge Off for {$20000.00} was changed to settled yet my Score barely increases to XXXX So how do I have all these improvements, no other negative accounts and my score doesnt change? 
Take another look : On XX/XX/XXXX, I had a collection account, 7 Negative accounts, Credit usage of 35 %, total debt of {$22000.00} and my XXXX CREDIT SCORE WAS XXXX On XX/XX/XXXX, I had the following Positive changes in my overall credit report : The collection account was removed, Overall Credit usage dropped considerably from 35 % to only 16 %, Negative account dropped from 7 to 6, Total debt dropped from {$22000.00} to {$7800.00}. My total Credit usage amount dropped from {$6200.00} to {$2700.00}, yet get this My XXXX credit score barely increased by 3 points to XXXX. How is this possible, especially since it is well advertised that Overall Credit usage is $ 35 % of our combined score and mine usage dropped from 35 % to 16 %? 
Additionally, XXXX is WAY WAY WAY off and always has been, look at the number of account amount owed and debt with XXXX compared to XXXX and TransUnion. I have tried correcting this for years and XXXX has done nothing. 
This errors cost me thens of thousands each year. That/s just me, imagine the damage to all Americans. 
****I guarantee the response I get from XXXX TransUnion and XXXX will be vague and not address the issue. 
This is one of many reasons why President Bidens plan to get rid of the Credit Bureaus will help over 100 million Americans. As all three Credit Bureaus have my information wrong, my score is inaccurate and numerous differences between each bureau.
Product: Credit card or prepaid card

I applied for a Home Depot credit card on XX/XX/XXXX. The card was approved, and website had a promotion for {$50.00} off of my purchase amount. Due to not receiving an immediate email I called HD credit and was told not to worry as {$50.00} would come off on my first statement so order was processed. When the {$50.00} did not come off of my first statement, I called and received an apology telling me to pay the balance less the {$50.00} and it would clear ASAP. That did not happen and when I received a follow up statement, I called again and was assured they were working on it. Yesterday I learned they are unwilling to honor this promotion as I qualified for a another promo, which I assume relates to interest rate however I paid the card in full within 30 days and they would not explain the promotion? Regardless I went ahead and paid this undue money and closed the account due to extreme dishonesty XX/XX/XXXX. I did file a formal complaint with the Home Depot organization, complaint number XXXX. At this point the fraudulent activity needs to stop with this extremely dishonest organization, which is the reason for this complaint. 
Thanks, XXXX
Product: Money transfer, virtual currency, or money service

I authorized the payment of {$300.00}  to XXXX XXXX for a XXXX firewall to protect my computer, and had planned to make payments of {$100.00} per month up to the {$600.00} it cost for lifetime coverage, any computer. That was on XX/XX/2020. I talked with an XXXX ( it sounded like he was from XXXX ). I received an email XX/XX/XXXX that I could " upgrade '' my " subscription '' from 3 years to 6 years, if I wanted. I immediately called the phone number on the email and got an XXXX-sounding guy who told me that the email was wrong and he needed to change it. He needed to take over my computer again, so I let him. XXXX, I know now. He went to paypal and quickly changed some things, and just said, " just a minute '', when I asked him what he was doing. I didn't worry ; he sounded like the XXXX guy I had talked to, and when I asked him where XXXX XXXX was he said he was out on the floor. I believed him, unfortunately. He actually took a payment of XXXX $ and XXXX , and said they would cover the amount of {$300.00} dollars, which he would refund me. In short, he scammed me. I didn't know until XXXX XXXX from XXXX called me to ask what happened to the {$300.00} I had paid XXXX. To make a long story short, he showed me that I had been scammed by a guy named XXXX XXXX. This all happened on XX/XX/XXXX. XXXX XXXX went to paypal and tried to get their ( XXXX ) money back, but paypal said it wasn't authorized. Even though it had only been a couple of hours, Paypal had determined that I couldn't file a dispute about either the {$99.00} or the {$140.00}, or the {$300.00} dollars. They took the {$300.00} from XXXX, and won't give it back to me. I don't know what happened to the {$300.00} that I paid XXXX. It is impossible to reopen a disputed claim with Paypal when it's been closed. I feel that Paypal shouldn't have blocked me from getting any of my money back, and needs to explain what happened to the {$300.00} I paid XXXX. When I go to the website, it says it was an unauthorized transaction, and it's closed. I wasn't allowed any time to question or dispute anything. Paypal doesn't answer their phone now.
Product: Credit reporting or other personal consumer reports

I have not applied for a vehicle. I look at vehicles online just looking and the dealership automatically finds my name and then runs my credit report and they dont run it to one place. They run it to 20 or 30 places so I have like 90 hard inquiries on my XXXX XXXX, XXXX, and Equifax credit reports of lenders from dealerships that are just running my credit rampantly and irresponsibly. They dont never take anything off it stays on there. Ive got 90 inquiries from far back nothing ever goes away and theres different credit reports that show different information and like it doesnt ever go away like I have one on there from XXXX  on that was way back in XXXX. They said they get to leave it on there until XXXX you know and the Dealerships are the ones I really wan na get off of there because 90 inquiries makes me look irresponsible and I never did that.
Product: Mortgage

On XX/XX/2023 my bill pay account with XXXX XXXX sent my mortgage payment out twice on the same day with different confirmation numbers to Newrez which was received by them on XX/XX/2023. I requested they send one of the payment back, which to be done within 3-5 days. On XX/XX/2023, Newrez informed me they sent a check to me instead of returning the funds {$1400.00} back through electronic funds transfer as received. On XX/XX/2023 when the check never arrived I requested they cancel the check and send it back to the XXXX XXXX via electronic transfer. On XX/XX/2023 the funds had not been received and again Newrez again confirmed it was being processed right then and should be reflected back in my bill pay account by XX/XX/2023. Friday XX/XX/2023 I informed Newrez the the funds still had not been returned at which time, they informed me it was being processed then and should be reflected back in my account within the next 10 days! XX/XX/2023 it was confirmed by my bill pay account ( XXXX XXXX XXXX XXXX ) that the {$1400.00} had not been returned and I was facing overdraft charges. Since XX/XX/2023, I receive one excuse after another for this payment not being returned. Need assistance
Product: Credit reporting or other personal consumer reports

For the past nine months I have been submitting disputes online to the credit bureaus, ( all three, XXXX, Equifax and XXXX ) to remove an account from my credit profile that is NOT MINE. I HAVE NO IDEA what this account is, where it came from, whose it is, or why it is on my credit profile. This revolving credit card does not belong to me and is negatively affecting my credit profile. I demand, after nine months of disputing with them, that this be removed IMMEDIATELY.
Product: Checking or savings account

On XXXX XXXX I opened a corporate bank account with Truist Bank. I was surprised I wasn't asked for any documentation which I had, because for my other corporate accounts documentation was required. But it was convenient to my condo in XXXX and I received a flyer from Tuist promising {$200.00} for a new business account so I thought why not. 
My deposit was a check I received from the IRS for the XXXX program. This is a refundable tax credit for eligible businesses that had employees and were affected during the COVID-19 pandemic. It was prepared by my accountant. The amount of the check was {$30000.00}. 
Initially, as stated on my receipt, a portion of the deposit would be held till XXXX XXXX. The amount available would be {$5500.00}. That turned out not to be the case. Then I was told that the check was being held by the fraud department and would be released by the XX/XX/XXXX date. 
That date came and I could not access my money. After being on hold for XXXX hour, I was told it would be released the next day the lag being due to the XXXX holiday. 
That day, XX/XX/XXXX, came and I still had no access. I was on hold XXXX minutes and was told XXXX more day. On that day, XX/XX/XXXX, I went to a branch near my home in Tennessee and was told then that my account had been closed and that my deposit would not be returned until confirmed it was valid and that would take a month. I am doubtful that even then it will be released. I am not comfortable with this bank, who had misled me many times, keeping my money that long. 
If there was not enough vetting on the front end, I should not be held responsible or suffer from that. I have all the documentation and have never been asked for anything.
Product: Checking or savings account

In 2008 I attempted to open a bank account with XXXX, It was closed within a few.weeks due to a XXXX  alert. I found out that I had an outstanding debt with US Bank, which I paid and was finally able to open an account with XXXX. I recently was contacted by an attorney informing me I was going to be sued for non payment on a XXXX XXXX XXXX debt on a bank account that I actually had paid. So far no proof has been provided and am asking g for the CFPB to interview on behalf I help with validating this claim against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to investigate my account XXXX XXXX XXXX XXXX, Account number XXXX, Date opened : XX/XX/XXXX ; Amount : {$580.00} I have filed ftc complaint and written validation letters to XXXX XXXX XXXX XXXX many times from XX/XX/XXXX up to now, but XXXX XXXX XXXX XXXX couldnot validate that item.Yet, Experian bureau have not removed this negative item out of my credit report. 

Please investigate this case and remove that incorrect information from my Experian credit report. Thank you so much!
Product: Money transfer, virtual currency, or money service

- {$380.00} payment from XXXX XXXX was received on XX/XX/2019 and cashed out to my account which should have happened on Tuesday, XX/XX/XXXX. I contacted my bank and they said they did not receive any payment from the cash app. 
- my cashtag is XXXX XXXX and my phone is XXXX - Senders cashtag is XXXX XXXX and her email is XXXX -I am the recipient and my email is XXXX and my phone number is XXXX - Transaction : {$380.00} on XX/XX/XXXX at  XXXX cashed out to Bank Account XXXX - Date : XX/XX/XXXX payment was received, XX/XX/XXXX payment was cashed out to bank account -The money never got to my bank -Cashapp provided an ACH number that my bank couldn't trace and was fake. The cashapp stole my money and blamed my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX : {$2500.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

We purchased a vehicle from XXXX XXXX XXXX XXXX XXXX They recently closed the business and filed bankruptcy. A collection agency is now servicing those loans. We do not owe a collection agency for our car, we were current on our payments when the doors closed, we have pd over 16,000 on this car.

There are 1000 's of people in the same situation we are in. 
We appreciate any hep.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I sent an investigation letter certified ( XXXX ) ( XXXX ) ( XXXX ) to all bureaus to make sure all my accounts were properly investigated and completely accurate. These inaccuracies are severely affecting my credit rating resulting in denial in pursuit of purchasing a home and job denials while trying to take care of my family. Since you are supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus, please remove these detrimental inaccurate items immediately. 

the credit bureaus stated XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX were properly investigated but how is that possible when the date of last activity, account status, payment status, dispute status, date opened, high balance, last payment date, last verified, date last active close dates, are all wrong and still reporting inaccurately even after the investigation. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 604 A : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given these accounts written permission to furnish these accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023, XXXX XXXX has reported wrong XXXX balance on my credit card to all credit reporting agencies. BUT IT IS NOT XXXX ( See Attached Document ). Thus, XXXX XXXX reporting XXXX balance - caused my FICO score to DROP BY XXXX POINTS ( See Attached Document ). 

I plan to sue all credit bureaus for FCRA violations on or about XX/XX/2023 - seeking damages and attorney 's fees for this XXXX points FICO score drop and also for any " eventual subsequent '' FICO score drop.
Product: Credit reporting or other personal consumer reports

Theses are the unidentified inquires that where found on my account. 

XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Debt collection

TRS RECOVERY SERVICES ARE FRAUDULENTLY STATING THAT THEY'RE COLLECTING A PAYMENT FOR XXXX. I DO NOT HAVE A CREDIT ACCOUNT WITH XXXX NOR DID I STOP A PAYMENT ON XX/XX/2023 WITH MY BANK AS THIS COMPANY IS STATING THEIR REASONS FOR COLLECTING PAYMENT FOR XXXX IS BECAUSE OF A STOP PAYMENT. THEY ASK FOR A VERY SPECIFIC PAYMENT OPTION. ONLY PAY WITH SMARTPHONES OR CASHIERS CHECK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had this mortgage since XXXX of 2016. It's with XXXX XXXX XXXX XXXX XXXX and it has been a nightmare from the start. They are, extremely, unprofessional and criminal! I've never missed a loan payment and my payments have never been late! Every month, I've had to call numerous times and wait on hold for hours. When someone answers, I have to pray they speak XXXX and hope they don't hang up. They refuse to take the payment. They've, randomly, increased my monthly payment for several false reasons. My Credit report shows 3 1/2 years of late payments, which is absolutely incorrect! I've made several attempts to work with XXXX XXXX XXXX filed disputes with the credit bureaus, and even contacted XXXX XXXX  XXXX XXXX XXXX  has refused to fix the issue and they have refused to even respond @ any time over the past 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Transunion credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX and or TransUnion hasnt reported my credit card with XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} and {$0.00} balance carried monthly in over a year. Attached is proof
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized furnishing of my personal credit information by your company. According to my recent credit report, there are entries that I did not authorize and which I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the XXXX letter and dispute I have sent to this CREDIT BUREAU along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and these creditors and CREDIT BUREAU are violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my XXXX notice to this company notifying you guys that these listed accounts are fraud. My information isnt protected, and this credit bureau isnt honoring my identity theft claim. My XXXX notice of litigation will be a lawsuit suing this credit bureau, these company did not honor my rights or acknowledge my supporting documents regarding identity theft. I was XXXX for XXXX years with proof when all these accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, XXXX going to sue for my rights being violated, pain and suffering, false allegations from these creditors and credit bureau, and assisting to furnish wrong and fraudulent accounts. I demand all accounts be removed ASAP. 

Specifically, I refer to the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These above addresses are fraudulent, and these perpetrators created fraudulent identity documents such as a fake ID and other fake documents to secure a loan in my name and make payments on the loan accounts. My identity has been stolen and compromised during the time I was XXXX for XXXX years ; this is the XXXX notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in opening accounts and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter.
Product: Debt collection

On XX/XX/XXXX, I placed an order for a XXXX XXXX XXXX personal electronic transportation vehicle. I was alerted that Klarna was available with a 24 month payment plan. I paid a {$79.00} deposit and financed the remaining {$1900.00} balance through their terms. I attempted to log into Klarna numerous times to view the repayment agreement and start making my payments. The repayment never showed. I attempted to call Klarna several times and was told there was not a record of my purchase. They advised that it could be due to the product wasn't delivered yet so to wait until it delivered and check my account after. The product delivered in XX/XX/XXXX. I checked my account and still nothing was available related to this purchase/repayment. I called again and was told they would review and contact me back. I provided my initial order information, but was still advised there was nothing available in order for me to make my payments. I received no help whatso ever through the calls. Until XX/XX/XXXX, I had received no calls or letters from Klarna relating to my purchase. Then on XX/XX/XXXX I received notice that I was now two payments behind and that " if we do not receive a payment of {$200.00} by your upcoming due date, it can mean that you have broken the terms of this credit agreement. This could result in your outstanding balance being sent to collections, which could affect your ability to obtain credit in the future. '' I immediately emailed XXXX with my reference number of XXXX. Someone named XXXX responded. They advised that since I was not able to log in using XXXX, then I needed to create a new account. I did as instructed in the email. I provided the new email address associated with my account and a message that I was not able to add the order number so that I could make a payment. I received no response to this email. I followed up again on XX/XX/XXXX with no reply. It is now XX/XX/XXXX and they letter indicated I had to make the payment by XX/XX/XXXX in order to avoid the credit penalties they threatened in the letter. It almost the time of month that credit reporting for the following month is reported and I am scared they are going to report me negatively at 60+ days late, even though I have made a numerous attempts to get my payments made. Not once was I ever offered to make a phone payment, but mentioned that I am not opposed to that if necessary but would like to have access to my account beforehand to make sure everything was correct, as nothing on this account seems to be going right up to this point. I have only been told to log on to my Klarna account to make a payment. If I knew this would have been the outcome of using them as a credit source for purchase, I would have just paid the full {$1900.00} balance myself to the company I purchased from and saved myself the interest and headache from this whole months long joke of an experience.