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

Sometime before XX/XX/XXXX I applied for a XXXX XXXX XXXX XXXX XXXX ) Card with XXXX mileage bonus offer. Received email back from XXXX on XX/XX/XXXX that stated the credit application could not be processed as there was a " freeze '' on the account. Went into TransUnion website too remove " freeze '' and received an error message that the " Freeze Status was currently unavailable '' and to call XXXX ''. Called TransUnion and spoke to agent named XXXX who said she would remove the freeze and reapply it XX/XX/XXXX. I notified XXXX the freeze was lifted. XXXX advised the freeze was not lifted and they could not process application. On XX/XX/XXXX escalated the matter to a supervisor named XXXX who advised there appeared to be a " bad link '' on the credit report and to allow 24-48 hours to have it corrected and that I would receive an email confirming it had been fixed. Never received email, problem never fixed. On XX/XX/XXXX escalated issue to supervisor named XXXX who saw notes in system from previous calls, agreed the " Freeze and Fraud '' links were not working and give it 72 hours to be corrected. Not fixed. On XX/XX/XXXX called again and used their automated call-back option. Never received a callback. On XX/XX/XXXX called again, requested agent transfer me to a supervisor, placed on " hold '' and after holding several minutes, line disconnected. Called back at XXXXXXXX XXXX and after holding for 45 minutes was connected to an agent. Explained issue and inaction on TransUnion 's part and was transferred to " Special Handling '' and spoke to a person named XXXX who said there was an issue with my address. My address was listed as a mailing address and not my permanent address. I asked twice if that was the ONLY PROBLEM and was assured that was the only problem. She submitted a correction request and said it would be corrected within 48-72 hours. Today is XX/XX/XXXX and it has not been fixed. Called TransUnion and agent verified all the previous calls and commitments were listed in their system and issue would be immediately escalated and I should receive a callback in the near future. It's been 40 minutes, no callback and decided to file complaint. The XXXX mile credit is worth two XXXX tickets to XXXX with a dollar value between {$1200.00} - {$1400.00}. I feel TransUnion has damaged me by that amount and I have done everything reasonable to correct to problem. One after another commitments by supposed TransUnion supervisors have failed to correct their system so I can not go in and temporarily lift a " freeze '' as the company states I should be able to do. No one owns the problem and no one seems to care about correcting the problem, In 6 weeks I would expect them to do what they say and sadly no one has done what they committed to do. I'm out the XXXX mile credit and the offer has ended. I have a credit score over 800 on all 3 credit reporting agencies. This never should have happened.
Product: Debt collection

Jefferson Capital Systems LLC calls me all day everyday and sometimes they don't even say anything when I answer the phone.
Product: Credit reporting

XXXX XXXX is falsely reporting to my credit, i was never notified about this account, they claimed they did not have a forwarding address, i came to know about a balance of {$130.00} when it was placed on my credit report, paid it off XXXX XXXX XXXX, but XXXX is still reporting to my credit that i am late as at XXXX XXXX XXXX. 

this Account should be deleted for false reporting and illegal collection tactics
Product: Credit reporting

I went online to order my credit report with Experian. The site made it look like I had to pay {$1.00} to receive my report - so I entered in my debit card number. They enrolled me in some type of monthly service and charged my card {$21.00}. I called to ask why - they told me and I stated I never wanted nor do I need that service. XXXX XXXX stated he would cancel. I asked for a refund and they refused to give me a refund. XXXX XXXX stated it was " against company policy ''. This is exactly what you fined XXXX & XXXX for in XX/XX/2017. I believe you called it " Deceiving consumers into enrolling in subscription programs ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 6 accounts for my federal student loans with DEPT OF ED/XXXX are now closed with a {$0.00} balance as they have been refinanced with the Department of Education to DEPT OF ED/XXXX XXXX. My credit report needs to accurately reflect this updated status as of XX/XX/2020.
Product: Checking or savings account

The XXXX branch has denied me access to my checking, savings, and debit cards. They stated my inheritance check for XXXX was fraud and could not give me access until it cleared. The check cleared 2 weeks ago and instead of giving me access they blocked my debit cards and refuse to give me kk why even when so come inn with an ID. The fraud department said the blocks are the branch managers discretion. The branch manager keeps telling me she is looking out for me and stated several different times that it would be fixed in a couple days. As of Monday XX/XX/XXXX she said she would call me back and never did. Monday I filed a complaint with the executive offices XXXX XXXX XXXX who stayed I would get a call from someone above the branch manager within 48 hours. That time has passed and still no response or resolution. Currently the bank is denying me access to my XXXX check that cleared two weeks ago. Tomorrow I will have my monthly deposit that I cant access and soon my social security. Ive been left without money for food, medicine, bills and daily living. I had to borrow money just to survive with food and medicine. My bills are going unpaid. 
There is no legal basis for this bank to deny me my money. I want the account closed and money released to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contesting any information on my credit report that is not true or documented accurately by the credit bureaus. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, XXXX, XXXX, Transunion must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose.If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.
Product: Credit card

on XXXX XXXX, Barclays ( Barclays of Delaware ) canceled my credit card because a random person called them on the phone and said I was deceased. 

After considerable effort, Barclays admitted they closed my account because someone on a lark reported me as dead. 

I informed Barclays that I was not dead. I asked Barclays to report to me what procedures they followed to assure the person calling was an authorized representative of the Courts or my Estate. 

Barclays ( someone claiming for marketing purposes to have a title associated with the CEO 's office and by extension some special administrative capacity which was proven untrue ) told me they would investigate how and who reported me as dead and on what basis Barclays operationally validated the report and or requested evidence to prove it. 

Barclays never responded to this point. After waiting 2 months for proper support to this matter of Privacy Invasion and Identity Theft, I closed my account- not wanting to give any more business to Barclays and not wanting to subject myself to such unprofessional, prejudicial treatment. Barclays never responded to the issue of wrongful report of a cardholders death and the matter of privacy and identity theft.
Product: Credit reporting

I have some accounts on my credit report that are not mines. I can not dispute online per Experian. Experian is not questioning these accounts just saying they are mines. I have alot of inquiries I have disputed they wont remove but yet put a fraud alert on credit report. 

Account XXXX XXXX XXXX, opened in 2006 should have been deleted due to age of account more than 8 years old and information is incorrect. 
Account XXXX XXXX XXXX, this account is not mines and this bank never sent me any information regarding this bill. I do n't know what this is. 
Account XXXX XXXX, this is not my account. 
Account XXXX XXXX accounts on this report should be deleted. I have a XXXX for them. 
Account XXXX, this is not my account and I have disputed numbers of times even sending letters from XXXX to Experian.
Product: Vehicle loan or lease

GM Financial, had not provided me with a billing statement since XXXX XXXX.. For an auto loan. Ive been lied to multiple times by the employees on phone. I been promised billing statements, they said via email, but I dont get one. Ive been battling this corporation for a year.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$8100.00} XXXX Date Opened XX/XX/XXXX Balance {$16000.00} **Inquiries** XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

They repeatedly call me at work. I've asked them to stop because we are not allowed to receive those type of calls at work. They continue to call almost daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

WFHM Mortgage - Open XXXX - Sold House in XX/XX/XXXX for {$150000.00}. Not sure why this is on the credit reports.
Product: Debt collection

Asset Recovery Solutions Called my Mother in an attempt to reach me, despite apparently sending letters to a previous address despite mail forwarding, and me not having received a letter. When i called the number to ask who they were, they refused to tell me until I gave them my name and date of birth.
Product: Credit reporting or other personal consumer reports

My information was breached through Equifax Data Breach.
Product: Debt collection

XX/XX/XXXX I started receiving phone calls at work from XXXX XXXX XXXX XXXX. The company is called Michael Haynes and Associates. The lady ( XXXX ) stated I'm listed as " uncooperative and unreachable '' and that there is going to be judgement against me in the state of Georgia. ( I live in Texas ) XX/XX/XXXX I returned her phone call and a man answered. I asked him to stop harassing me at work. He stated that I owed money on a XXXX credit card. I told him that I don't have any outstanding debts, and if I did it would've have been over 10 years ago. He called back from XXXX XXXX XXXX XXXX and left a nasty message on my voicemail. He said that he did a " quick search '' of my social security number and has my current address. He stated that he is drawing up papers to have me " served '' and that I will need to get a plane ticket to Georgia and appear in court. 
XX/XX/XXXX A call from same company, but another phone number XXXX XXXX XXXX XXXX. XXXX XXXX left a voicemail in reference to " processing a claim '' and " going after the full balance '' if I don't cooperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX and XXXX XXXX account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

Capital One unlawfully shared my personal information with nonaffiliated third parties without giving me the chance to opt-out and without my written consent.
Product: Credit card or prepaid card

I tried to use a prepaid Vanilla Visa Prepaid Gift Card on XX/XX/XXXX, issued by my employer ( and was already activated when I received the card ) and it was declined ( expiration date is XXXX/XXXX ). Went to check the site and saw there were charges made in XXXX. I had not used the card, nor did I receive any notice that the card had been used. I called the customer service number to report it immediately when I became aware of this and was told to fill out paperwork - this was on XX/XX/XXXX ( same date as I became aware of the charges not made by me ). They sent a packet out via email which I filled out and returned. I received a request for additional information on XX/XX/XXXX which I filled out and returned. The gift card was for {$500.00} with charges of {$490.00} already used. 
I now received a notice XX/XX/XXXX that they closed the case and I had not reported the fraud charges in a timely manner. I never received any notice the card was used and I reported the fraudulent charges on the same day I became aware of them. 
I was not the one that purchased the card, it was purchased as XXXX gift to me from my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following accounts with XXXX  Equifax, and XXXX  because i have been victim of identity thief : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report.
Product: Credit card or prepaid card

Wells Fargo repairing my credit history and coming with a far better compensation than the {$50.00} shady check, that if we were to cash it, would immediately mean we have agreed that this issue was resolved to our satisfaction, when in reality, is the exact opposite.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Transunion to investigate my dispute through physical verification and provide me a complete file disclosure pursuant to FCRA, Secti on 609 ( a ) ( A ). I have also asked them to delete disputed items if they are unable to provide me a complete file disclosur e. My first request was sent out on  XXXX   XXXX ,  2017 , of which they received my letter on  XXXX   XXXX ,  2017 . My second request was sent out on  XXXX   XXXX ,  2017 , of which they received my letter on  XXXX   XXXX ,  2017 . As of today, I have not received any disclosure that relates to the disputed items on my credit report. This is a violation of the federal law where Transunion has denied my right as stated on FCRA. I ask you to step in and demand Transunion to follow the law and provide me a complete file disclosure for the disputed accounts on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. 

Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the bank thru a phone call and they said to fix these. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove these information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. Inquires : XXXX XXXX, 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

On XX/XX/2022 I sent a debt validation letter requesting validation that is competent evidence bearing my signature, showing a contractual obligation to pay this debt collector. On XX/XX/2022 I received a one page document with an address not belonging to me and a similar name as mine. As a result, on XX/XX/2022 I sent a response to their correspondence acknowledging their failure t o proved me with a copy of viable evidence, bearing my signature, showing the account is being reported accurately AND belongs to me. It is now XX/XX/2022, I have not received validation. I am demanding the immediate deletion of this reporting from all consumer reports.
Product: Mortgage

Associated Bank charged the premium of {$530.00} for elapsed Home Insurance policy for two months. I explained to the Associate on the phone and his Supervisor that my Home Insurance policy with XXXX got cancelled without my knowledge and without any 30 days prior notice of cancellation from it as it is required. 
In addition, Associated Bank got the most expensive policy it can find for elapsed time which has the 300 % the premium of {$3000.00} per year than what I got for {$1000.00} per year from XXXX. I consider that to be outrageous on the part of Associated Bank and totally unacceptable. 
Even in the event, I am to pay for post dated policy for the elapsed period if it is in FINE print of the Mortgage documents as I was told, the 300 % higher premium than the Mortgage holder can get is totally excessive and border lines of " Robbery ''. Associated Bank knows or should know availability of lower premium policies but chose to buy the most expensive policy.One has just wonder " WHY ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card pen-end consumer credit plan as late for any purpose.
Product: Debt collection

This company - NAVIENT ( phone XXXX ) - called me about 5 or 6 Months ago. They said I owed money to a service company in XXXX, Tx. ( I forgot the companies name, I believe it concerned some financial service. I immediately called the service to be sure I did not owe them anything. I don ' t believe I had ever done business with them, they agreed that I did not owe them. Navient has continued to call 2 or three times a day, and usually around XXXX XXXX  ( central ). I have not answered for several months, I simply hang up. I would like to stop them from calling, am I at the right place? Thank you for a response.
Product: Credit reporting or other personal consumer reports

Balance {$1100.00} opened XX/XX/XXXX  In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX original creditor : XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Five Fruad Accounts on my credit report and Two inquiries. 
XXXX. XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$760.00} XXXX. XXXX XXXX XXXX XXXX {$750.00} XXXX. XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX and XXXX I contacted cash app to ask them why my account went from active direct deposit to inactive direct deposit I found that strange because I never cancelled my direct deposit and should be getting another deposit on the XXXX so I wanted to resolve soon as possible. I called customer service chat line you name and no one seemed to know what was going on or even bother to reach back at me they were giving me the runaround saying it takes 3-5 business days for my money to be deposited but I told them how would that happen if it shows inactive. They said they would follow up in email. Now today is the XXXX no email and now my account says Deposit pending I never seen this before I called again and asked why are they holding my funds no one ever emailed me and I asked to speak to a manager or someone who was working on my case and gave them the case number they had no idea what I was talking about. I had to explain Everytime I called and still my money is there showing but pending I asked them why gave me no reason but that it will take 3-5 business days then call back never happened before I need my money what do I do?
Product: Credit reporting

Equifax violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below 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