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

Hi I am submitting this 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 more then 48 times nonstop this is exhausting 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 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 one negative credit items outstanding debt now that is not mines. 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 negative account 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 homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting or other personal consumer reports

Still reporting Inaccurate Information, disputed letters has been submitted with no actions according to FCRA
Product: Bank account or service

Synchrony Bank charged my account a withholding fee of {$19.00} because they said they did not receive my signature card in time. I actually sent XXXX signature cards on XXXX different occasions as soon as I received the requests from Synchrony. Their Customer Service rep. admitted that they moved their offices to XXXX, GA during this period and that receipt of mail was delayed. They now tell me that my account will not be credited until the end of the calendar year per Federal Law. I feel that this was not my fault and that I should be immediately credited.
Product: Bank account or service

I deposited Cash in the amount of {$960.00}. The following day I deposited a check in the amount of {$550.00}. When the ATM machine read the amount it said {$650.00}. There was not an option to change the amount. I know that the bank teller will retrieve the check and enter the right amount upon receipt. On Monday XXXX XXXX my brother deposited XXXX cash into my account. Now the check is on hold and I a being charged a overdraft fee for several transactions.. I spoke a XXXX XXXX at the BBT Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX She was extremely rude and told me that since I made the mistake at the ATM, which I did n't that was the reason I was receiving a overdraft fee. The overdraft fee is now XXXX. I can not get anyone to help me resolve this issue. I spoke with 5 people at the bank and everyday I am being charged a new overdraft fee. I spoke with XXXX XXXX at the XXXX XXXX Branch, XXXX XXXX at the XXXX XXXX Branch and XXXX XXXX. I also spoke to a XXXX XXXX at the call center in Texas. She took my complaint and advised that someone would get back to me within 24 hours. I emailed the Branch manager at the XXXX location for assistance, but he was on a conference call and has not gotten back to me regarding the overdraft fees. The date for these transactions were XXXX XXXX, 2016. BBT is constantly charging me overdraft fees. This is ridiculous and costing me a lot of money. I was also charged an overdraft fee on XXXX XXXX. I was told by the Customer Service rep that there was a n my paycheck from my job check that I have been receiving weekly. The total amount of charages was {$200.00}. I had XXXX in the account. I want to know why I was charged {$100.00} in overdraft fees. This bank is ripping me off and I need help please. I am on XXXX from a XXXX where my XXXX. I am in XXXX to rise. I need to know if BBT is going to be responsible for any additional medical treatment I may need from the XXXX of all this.
Product: Checking or savings account

On XX/XX/year>, a check ( # XXXX ) was expected to be received by the payee. As of today, the payee has not received the check, suggesting it may be lost. I contacted UFB Direct on XX/XX/year>, at approximately XXXX XXXX XXXX, speaking with an agent from my personal cell phone ( XXXX ) for about 32 minutes. The agent assured me that a case would be opened on my behalf and that I would be able to view the case details in my UFB Direct secure message center. 

Despite this assurance, I have not received any updates or case information in my secure message center. I followed up with a written message on UFB Direct 's Message Center on XX/XX/year>, at XXXXXXXX XXXX, providing all relevant details and requesting confirmation of the case opening and an update on the status of the missing check. Additionally, I provided a further clarification at XXXX PM. The case number provided was XXXX. As of today, I have not received any response from UFB Direct. 

I called UFB Direct again on XX/XX/year>, at XXXX XXXX XXXX from my personal cell phone ( XXXX ) for about 16 minutes. The agent, who appeared to be from an overseas call center, put me on hold multiple times and presented an empty promisesimilar to the previously broken onethat someone would get back to me via the secure message center. These calls have been made to UFB Direct 's customer service line at XXXX. 

Relevant laws and regulations : Uniform Commercial Code ( UCC ) 4-403 : Provides the customer with the right to issue a stop payment order. While I have not issued a stop payment order yet, this statute underscores the bank 's obligation to act on customer instructions regarding check processing. 
Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693f : While primarily for electronic transfers, it outlines error resolution procedures which can be analogously applied. 
CFPBs Authority : The CFPB oversees and enforces compliance with federal consumer financial laws, ensuring financial institutions manage consumer complaints effectively and transparently.
Product: Mortgage

I have sent Mr. Cooper 9 mortgage payments online, with proof of my bank statement that payments were sent and they said they have not received any of my payments. They investigated this case for 4 months with no resolution and no reimbursement.
Product: Debt collection

XX/XX/XXXX I received a letter from Wakefield and Associates stating I owed {$1200.00} from an ambulance ride to XXXX Hospital that occured earlier XX/XX/XXXX. I contacted the collection agency and disputed with them that this was not my debt. The name on the letter, the date of birth and address were NOT MINE. I have never been transported to a hospital by ambulance. I called the collection agency back twice, never received a call back and on my third attempt finally got a hold of a man and explained they contacted the wrong person. The man said he would like into it further. As of XX/XX/XXXX I now show it in collections on MY credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1692 consumer im not obligated to pay any debt. 

The FDCPA only applies to third-party debt collectors, such as those who work for a debt collection agency. Credit card debt, medical bills, student loans, mortgages, and other kinds of household debt are covered by the law. 


XXXX XXXX Account number - XXXX Amount - XXXX date opened- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account number - XXXX Amount - XXXX date opened -XXXX  XXXX XXXX  XXXX XXXX  XXXX Account number - XXXX Amount - XXXX date opened - XXXX XXXX XXXX XXXX XXXX  Account number XXXX Amount XXXX date opened XXXX
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

Credit Inquiries : XXXX XX/XX/year>
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act XXXX Account # XXXX, with Exeter Finance has violated my rights. 

15 USC 1681 section 602 States I have a right to privacy 15 USC 1681 section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a car loan under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There is 1 alleged debt under my name and credit report with Midland Credit Management. Since the first alleged debt was bought by Midland Credit Management over 4 years ago. I have Requested NUMEROUS times ( via mail, phone ) on all 3 alleged debts that they validate, verify and provide me with the original purchase agreement baring my signature. They have failed to furnish and have ignored my requests for any sort of validation, verification, original purchase agreement or any documentation supporting their claim. Even after that, I have filed several disputes with all 3 credit reporting agencies and in each dispute they have illegal modified what they are reporting to the credit reporting agencies to work in their favor of the disputes. They have not followed FCRA, Violated the law, and have violated my rights as a consumer. Their failure to adhere to the law and the FCRA has caused me great financial harm and difficulties.
Product: Debt collection

I have no knowledge of this debt. My account with two credit bureaus has a fraud alert unit. The credit bureaus must provide me with written authorization or delete asap. I request that each and every account or inquiries be removed and I request an updated credit report reflecting changes.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX Texas and Westlake financial of XXXX ca is committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item that is NOT mine illegibly and unethically on ALL my credit reports with XXXX  XXXX  and XXXX. This debt is not mine and this is illegal and fraud and a result of identity theft, which I have been a victim of three times already. I DO NOT have or owe a car loan or owe ANY amount of car loan and this is fraud under FCRA section 609, and it must be removed from my credit reports immediately. I am a XXXX person, and a XXXX veteran, and a XXXX person, and this company is committing fraud and preventing a wounded warrior from obtaining housing. This company is committing illegal acts and discriminating against XXXX persons and veterans. I DO NOT OWE ALLEGED AMOUNT FRAUDULANTLY PLACED ON MY CREDIT REPORT AND A COMPANY CANT JUST SAY YOU OWE MONEY AND PLACE AN ITEM ON TRI-BUREAU CREDIT REPORTS FRAUDULANTLY AND FALSELY.THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVETIGATION BY THE ATTORNEY GENERALS OF THREE STATES, THE CFPB, THE COMSUMER SENTINEL DATABASE, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SUFFERING XXXX XXXX  AND ILLEGAL ACTIVITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS EXPERIAN and myFico because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS.

3. UPDATE AND SUPPRESS NEGATIVE INFORMATION 4. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX XXXX XXXX XXXX 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 is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.
Product: Credit reporting or other personal consumer reports

I need your support to address the wrong account listed on my credit report. This issue has caused significant damage to my reputation, and I require your help. Due to your mismanagement of my credit information, my reputation has been severely affected. These errors need to be corrected so I can move forward with my family.
Product: Checking or savings account

On XX/XX/2023 I transfer {$12000.00} from my crypto exchange company to my chase checking account. Everything seemed to have transferred properly. All I had to do was wait for the funds to be available in my chase checking account. But upon waiting I tried to log into my account on XX/XX/2023 at XXXX my account had been locked and the message read " We locked your account due to suspicious activity. Please call to resolve the issue. XXXX from XXXX to XXXX XXXX. Keep in mind : you won't be able to see your statements and notices online until we unlock your account. '' This really worried me because I thought maybe I had been hacked or something so I called right away! I spoke to one of the representatives from the chase customer protection team about the message I received. They verified my identity then the representative told me they will no longer have me as a client and my accounts are in the process of being closed. I was very confused and asked why they were closing my accounts. The representative refused to give me an explanation and said I would have to wait for a letter in the mail. This left me confused and frustrated because I have all my money in my chase checking account and they are prohibiting me from accessing my own money! The only way I can access these funds is through chase bank because is the only bank account linked to my crypto exchange company. Chase has given me XXXX to no explanation where it is or when I will be able to access it. This has been a very devastating process and I hoping you could help me resolve this issue.
Product: Mortgage

I requested American Financial to drop my PMI and they responded with email instructions- for me to either send check for {$100.00} for a BPO appraisal or a check for {$320.00} for a full appraisal. I followed the instructions precisely and mailed a check for {$320.00} along with a letter requesting the full appraisal as well as the email request with the full appraisal instructions highlighted. 
They cashed my check for {$320.00} and I received a call from an appraiser that he is coming to do a XXXX appraisal. This is not what I requested or paid for. I called American Financial to resolve the issue and was told they offer no phone support. They sent an email which could take up to XXXX for a reply. I would like to speak with someone as soon as possible to resolve the error. And I would like them to schedule a full appraisal ( as requested and paid for ) immediately. 

I would also like to note that I have so many problems with American Financial. They never pay my homeowners insurance correctly or on time. I have to call them constantly to fix mistakes and their customer service is awful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok so I have been actively working on all 3 credit reports since XX/XX/XXXX to establish and correct any inaccuracies. I have had a terrible time getting things in order with the credit agencies. XXXX  has been a nightmare and complaints for them have been filed. XXXX has no score generated for my idenity. I think this is unfair reporting & caused me unfair credit opportunities un the FCRA. I have always paid my way in my XXXX years of life not knowing the importance of monitoring my credit as an adult. I did not feel the need to credit knowing the cash flow was keeping me stable. I'm older now and have been on XXXX since XXXX. I now have been enquiring of credit to help my life style. I am not getting an equal fair chance to establish revolving credit mainly because the agencies I have accounts with do not report to all three credit monitors. I have made requests for this to change and was denied. I'm getting XXXX per month to live on and can not do a deposit on credit that would take away from available money. I'm in need of possible credit to add to available funds that can be paid on the first with my one other expense I currently have. My lack of information should show in a good perspective that I'm responsible not to have exhausted my resourses by asking for to much credit. Is there anything that can be done that may give me a shot at fair credit chance? I dont care if the generated score is next to nothing I just do not think that by the FCRA and the fair equal credit opportunities this kinda treatment just does not fit the script as Fair! I'm confused how foriegn citizen 's that arrive here as adults can get fair credit chances with just submitting paper work even without a social.I 'm born in the USA & seem to be categorised as some kinda gamble to creditors for losses or gains. ( I read an article ) I hope our system is not set up to determine our financial history at birth by our given names and social security numbers. The credit agencies do business with our personal information across seas in the XXXX and that does not seem appropriate however we tolerate it. I'm sorry in advance but please help me get the 3 credit agencies to combine the good and the bad equal between the 3 agencies so I will generate a fair score to allow credit opportunities for once in my American life. Please? Thanks
Product: Credit reporting

According to their response on here in regards to my 1st dispute XXXX stated that they 'll remove all the inquiries. Checked my credited report today XXXX/XXXX/2016 none of the inquiries were removed. Contacted TransUnion today and was told my updated credit report was sent to me yesterday on XXXX/XXXX/2016. How did they update my credit report when all the inquiries are still on there. 
When we get a response I want a direct contact name and number because when I contacted TransUnion today they stated that no one has responded to any website in regards to these inquiries being removed.
Product: Debt collection

The accounts were fraudulently opened using my identity, social security number. 

I was not aware of this account until I received a summons from XXXX XXXX courts. 

A family member used my identity to open up a credit card without my consent or knowledge. 

To prove my innocents, the bank account used to make payments do not belong to me. 

The address used to received the billing statement and other information pertaining the fraudulent account does not belong me to, nor have I ever lived at that address.
Product: Debt collection

My credit report showed a derogatory remark of about {$4000.00} to XXXX XXXX. When I called them on Friday XX/XX/XXXX they wouldn't discuss it with me. They said To call Mandarich Law Firm at XXXX, which I did. I was told it was from a credit card in XXXX that I am unaware of. I offered to give them {$1000.00} to get rid of it, but they declined. Since it was so old I said I would just wait until next year when it would drop off my report. 
Today XXXXMandarich called me and said that they would take {$2600.00} to settle the account. I explained that I can not do that. I am XXXX yrs old, retired on XXXX XXXX. I rent my apartment, own no property, and have only enough money in the bank to pay my livine expenses. He told me this was judgment and that it would stay on my report forever. This was the first I heard of this. He said I was served in XXXX, which is a lie. I think I was living in Arizona at that time when the original debt happened, though I don't remember it.