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

Hi I am submitting this XXXX XXXX without 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 XXXX. 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 XXXX 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 year old daughter PLEASE HELP ME PLEASE
Product: Credit card or prepaid card

I have a BJ 's XXXX club mastercard, serviced by Comenity Capital Bank. In XXXX, Comenity Capital Bank stopped posting payments made to my account, resulting in late fees, interest charges, and overcharges for the XXXX XXXX XXXX. I am beginning to receive automated collection calls from this company. If they report to the credit bureaus and my credit score declines as a result, it could effect the interest rate on my mortgage or on other loans I may obtain in the future. 

As of XX/XX/2022, seven payments totaling {$1200.00} have cleared my bank, but have not been posted by Comenity Capital Bank. These payments cleared my bank as follows : {$240.00} cleared XX/XX/2022 ; {$61.00} cleared XX/XX/2022 ; {$46.00} cleared XX/XX/2022 ; {$110.00} cleared XX/XX/2022 ; {$78.00} cleared XX/XX/2022 ; {$500.00} cleared XX/XX/2022 ; {$180.00} cleared XX/XX/2022. 

I have tried repeatedly to contact Comenity Capital Bank by telephone. At various times their phone system has 1 ) played a recording saying to call back later ; 2 ) kept me on hold for about 15 minutes, after which the hold music stops and the call disconnects ; and 3 ) played a recording saying to go to their website for customer service. I have not been able to connect with a live customer support person. 

I have tried to contact Comenity Capital Bank using the messaging ( secure email ) service on their website. I provided screenshots showing payments had been made. Four days ago on XX/XX/2022, I received a response stating that my request had been forwarded to the correct department. However, my payments are still not posted to my account, and today I received an automated collection call.
Product: Credit card or prepaid card

XX/XX/, Several charges were made to my card from the Cash App company in the amounts of XXXX XXXX XXXX XXXX XXXX XXXX to a company called XXXX XXXX which I never authorized and only XXXX of the fraudulent charges was reveresed and all other denied several times, without any resolution. I've called support several times for help and still am left without any of my money returned.
Product: Payday loan, title loan, or personal loan

The Loan Mart lied to me and did not disclose the interest rate or fees on the loan when I obtained the loan. Nor did they disclose it after several times of asking them. When they finally did after several months it was 122 % added daily. They would not give me copies of the loan papers either. I tried several times to work this out with them, when they agreed after many many negotiations to lower the interest rate and charge me a still somewhat high interest rate, and the original loan amount, they once again lied and tried to snooker me again. They sent me new papers to sign which was at a higher interest rate than we agreed upon, and they added XXXX to the loan amount! 
I did not sign these papers. These people are liars and cheats. They have cost me so much money, and time, and frustration. 
I was willing to work with them on a reasonable basis, but they just kept lying and trying to cheat me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to you again regarding the fraudulent items that persist on my credit report despite multiple attempts to have them removed. This marks the fifth time I am reaching out to your organization in an effort to rectify this matter, and I am disappointed by the lack of progress thus far. Despite submitting disputes and providing supporting documentation on [ dates of previous attempts ], the items remain unresolved, tarnishing my credit history and causing undue stress. 

I am reaching out once again in the hope that this time, the matter will be given the attention it deserves. I kindly request a thorough investigation into the fraudulent items on my credit report and immediate action to remove them. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the repeated failure to address this issue. The following items should be removed as soon as possible : XXXX XXXX XXXX  XXXX Balance Owed : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XX/XX/year>.
Product: Debt collection

On XX/XX/2019 a voicemail had been left on my phone by a Mr. XXXX  telling me he was with ARS I was sent documentation 3 weeks ago, and either I, or my attorney, needed to call him immediately. I had never received any information from ARS or anyone like them. Within a few minutes, I received a message from my dad that he was contacted by the same person. Then my brother. Then my wife. Then my grandpa. Mr. XXXX  called and left voicemails for me and 4 family members within, literally, 5 minutes. This is without any notice provided or even giving me a chance to respond to them.

After trying to reach out and figure out what this was about, I finally heard back from Mr. XXXX  on XX/XX/2019. He gave a very brief, quick rundown of the debt he was trying to collect and said that if this was not taken care of immediately, litigation would proceed. I let him know that I had still not seen any documentation about the claim. Mr. XXXX said the debt was around {$500.00}, but I could pay 65 % of that today, or break it into 3 payments of {$160.00}. I told Mr. XXXX  that I would not decide until I see documentation about this debt. Mr. XXXX  hung up on me. A few hours later, Mr. XXXX  called back and said it was emailed. I never received an email. Mr. XXXX  said, What do you want to do? I informed Mr. XXXX that I would not discuss this debt until I see documentation and verification about it. Again, Mr. XXXX hung up on me.

For a company/person that was so enthusiastic to call anybody that shared my last name, Mr. XXXX and ARS ( Atlantic Recovery Solutions ) did not have everything in order, and completed what was equivalent to a smear campaign against me with my family.
Product: Checking or savings account

My account was locked on XX/XX/scrub> 2025. I immediately called and when I got through to someone they could only tell me that I needed to verify who I am by sending them my Drivers license and social security card. I did later find out that they are not in compliance with the federal governments guidelines and that is what they are trying to resolve. At the consumers dismay of course. Which I did by email. They said it would take 3-5 business days to process and unlock my account. I called every day and on XX/XX/scrub> 2025 they notified me that I needed to submit a bill with my address or a paycheck stub. My pay is direct deposit and went in to my bank on the XXXX. I was able to use enough to pay my rent before it got locked. On the XXXX I called and spoke to two different supervisors. The higher supervisor called to make sure they received the email and was having it sent over to be processed but that it could take another 3-5 business days. Today I woke to a XXXX balance in my account and have been on hold for two hours waiting for a supervisor. They say they sent a paper check. Theyre very dismissive and unwilling to deal with the problem at hand. So my bank has been locked for a week leaving me absolutely no access to any of my money. The uploads are of my account balance over the days leading up to the XXXX balance in my account.
Product: Debt collection

The original creditor is Capital One Auto Finance. In short I was delinquent in my car payments and the car was repossessed. I did try numerous times to get the car back before it was auctioned off but was given the run around and the capital one repusenitives either didn't know what was going on or refused to answer the phone. I final get a letter a month later stating that the car was sold for the balance of the loan. Fast forward to almost a year later I start receiving letters and emails saying I still {$6000.00} on auto loan. Seeing that Capitol One had not answer their phones I didn't bather calling them and thought it was mistake, because a typical when finance company sells the car for the balance of loan they don't come after you for the loan or any additional costs. Almost 2 years later I get a letter stating that Capitol One sold the debt to XXXX XXXX who has been less then professional. XXXX XXXX not only calls outside of business hours, calls and hangs up, refuses to leave messages, and has inlisted another collection agency to call about the same debt. So I have XXXX XXXX and XXXX XXXX XXXX calling for the same debt and both calling and hanging up.
Product: Credit reporting or other personal consumer reports

after checking my credit report I notice all this on my credit report I never give no one permission to do this those are inquire I don't nothing about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to be patient with Seventh Avenue. I am a faithful customer and pay my bills on time. I have NEVER been late. 

I have called them many times, talked to many Supervisors that promised to correct this issue and yet it still is affecting my credit report and scores. 

I've been denied because of the issue on other credit and vendor accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to provide my XXXX score since XX/XX/XXXX despite having received monthly updates from my Visa card company XXXX XXXX XXXX XXXX XXXX ). Although my last Experian XXXX score was available online in XX/XX/XXXX, Experian now contends my account has been inactive for over 6 months and I have no current accounts. Other credit reporting agencies are reporting my current acct and XXXX XXXX. XXXX XXXX XXXX XXXX has assured me that Experian is aware of my account history, which includes an active Visa card account since XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my XXXX report and noticed I had fraudulent accounts on my report. Please remove these accounts from my XXXX report, they are hurting my ability to obtain banking relationships for myself and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALLY continues to report a late payment on an account that was complete in XX/XX/XXXX. XXXX, continues to report this account which should be closed. Calling XXXX, results in disconnection. 
Ally reported a late payment in XX/XX/XXXX which resulted in an XXXX points reduction.
Product: Credit card or prepaid card

I have a XXXX XXXX credit card with XXXX  XXXX. I have had the account for over 12 years. I have never ever paid a bill late. My daughter unknown to me, bought slippers in XXXX with my card. I received a call in XX/XX/2018 on my phone saying I had a over a hundred dollar balance since XXXX. They asked if I would like to make my account current, I apologized, said absolutely and paid them via my bank account right over the phone. I received ZERO bills in the mail, I received ZERO bills in my email. I am registered to receive bills with them via email. I checked my spam, I checked my inbox, I checked All Mail. I confirmed all my XXXX XXXX emails we in fact going to my inbox successfully. I had NO idea I owed anything. They never gave me a chance to pay on time, or to tell me to pay before it hit my credit report. I have perfect credit. It is now RUINED. I went from a XXXX score to under 700 in one missed payment from them. I have called multiple times, emailed, and wrote letters saying this was not my fault. I want the late payment removed from my credit report. as it was NOT late per when I was notified I had a balance. 

The fact that they have NO - Auto pay like every other credit card company has, tells me that this is a huge way they make money, late fees and not alerting the client they have a balance.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report, and I have no idea how they got there. I routinely check my report, and everything was fine until now. I even refreshed my browser, hoping it was a temporary glitch, but the errors remained. I'm asking for a thorough review of the documents I provided to resolve this issue so I can finally stop worrying about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

EARLY WARNING SERVICES , LLC DOES NOT WANT TO SEND ME MY XXXX  NOTICE OF REMOVAL LETTERS FROM XXXX XXXX XXXX BANK XXXX XXXX. XXXX BANK REMOVED MY XXXX DIFFERENT ACCOUNTS REPORTED SINCE LAST XX/XX/2021, THIS MEANS XXXX  DAYS AGO!!! IT LOOKS SUSPICIOUS THAT EARLY WARNING SERVICES , LLC IS RETAINING AND TRYING TO AVOID TO SEND ME THE XXXX RELEASE NOTICE OF REMOVAL LETTERS FROM XXXX BANK. SINCE THIS RETAINING IS CAUSING ME HARD PROBLEMS IN MY PERSONAL AND LEGAL LIFE I REQUEST AN APPOINTMENT AS SOON AS POSSIBLE IN ORDER TO GO TO PICK UP MY XXXX LETTERS IN EARLY WARNING SERVICES , LLC XXXX, LOCATED IN ARIZONA, USA. I HAVE TO MENTION THAT LAST TIME EARLY WARNING SERVICES SENT ME SOME NOTICE OF REMOVAL LETTERS, IT TOOK ONE ENTIRE MONTH TO ARRIVE IN MY P. O. BOX WITH THE FALSE EXCUSE THAT THE MAIL WAS RETAINING MY LETTERS.
Product: Mortgage

We refinanced our home in XX/XX/2020. The company we had was Loan Care. I thought it went smooth but we have sold our home and upon the title search found out that the lien loan care had on our home they had paid it off but have not released the lien. In turn this will not let us close on our home. I have tried for over 3 weeks and have been told every excuse in the book promised to have it done XX/XX/XXXX and I still do not have it done. I have missed several job openings, rescheduled the XXXX, rescheduled my work here last date 3 times. We must have this to close and need ASAP before the people back out from buying our home. Please help me get them to finish this so we can close our loan.
Product: Debt collection

I am receiving phone calls and letters in the mail regarding a debt that is not mine. 

It is the result of Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a copy of all outstanding, outdated information along with unauthorized inquiries to XXXX, XXXX  and Trans Union requesting the removal of the above items and it's been thirty days and I haven't received any reply or letter back from any of the agencies in a timely manner based on the CFPB reqirements under the law I reviewed my credit report and came upon and some alleged Inquires. I do not recognize the accounts/cases names for what it is. Therefore, I am demanding under the FCRA # 604 you provide me the following : Proof I initiated the inquiry, Permissible Purpose, Written Authorization ...
Product: Credit reporting, credit repair services, or other personal consumer reports

my information has been comprimoised and used to open several fraudulent accounts
Product: Credit reporting or other personal consumer reports

I HAVE SENT FTC REPORTS AND ALL TO EQUIFAX CONCERNING FRAUDULENT INQUIRES REPORTING ON MY CREDIT REPORT BUT IT SEEMS THAT IS NOT ENOUGH, I CHECKED MY CREDIT REPORT TO FIND THESE SAME FRAUDULENT INQUIRES REPORTING EVEN THOUGH I HAVE TOOK THE PROPER STEPS TO REMOVE THESE ITEMS, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, I HAVE NO ACCOUNT WITH ANY OF THESE COMPANIES AND THEY ARE STOPPING ME FROM RECEIVING HOUSING AND OPPORTUNITIES WITH OTHER CREDIT CARD COMPANIES I HAVE TRRIED ALL OPTIONS TO GET EQUIFAX TO XXXX THESE FRAUDULNT ITEMS AND REPORT MY TRUE CREDIT PROFILE, I HAVE BEEN UNSUCCESSFUL.
Product: Credit reporting or other personal consumer reports

I submitted a request to have some unauthorized inquiries investigated and removed with equifax. It has been nearly XXXX  days and my request has still been yet to be addresses and this is completely unacceptable. I reached out to the company and they stated that I should address it with equifax.
Product: Credit reporting or other personal consumer reports

These accounts are in Direct Violation of the Fair Credit Reporting ( XXXX XXXX XXXX XXXX XXXX XXXX to # ... XXXX all accounts closed pays as agree with adverse information ), Under 15 U.S.C 1681 Section 602 ( A ) has violated several of my rights. It also states a consumer reporting agency can not furnish my account without my written instructions.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding these alleged accounts as per 15 U.S.C 1681. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation. Remove these accounts immediately as they are in violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

XXXX coded my emergency visit under dental so insurance was not covered. The bill was very high and could not pay for it so they sent this over to collections. The company called me several times and said that if I paid them this would not affect my credit in a negative manner. They put negative remarks on my credit even though they were paid
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 and XX/XX/2020, I the consumer sent Child Support Services Division notices of ESTOPPEL AND STIPULATION OF CONSTITUTIONAL CHALLENGE to all WASHINGTON , DISTRICT OF COLUMBIA AND STATE OF STATE STATUTES WHERE No general law affecting private rights, shall be varied in any particular case by special legislation, except with the free consent, in writing of all persons to be affected thereby.

I the consumer haven't heard nor been notified in verbal or writing that I the consumer is responsible for this alleged debt. Pursuant to title 15 usc 1692g Validation of debt, there's 5 requirements Child Support Services must provide according to federal law. that's a violation of the FDCPA. Pursuant to title 1

5 usc 1692c ( a ) -communication in connection with debt collection : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of ANY debt. That's Another Violation of the FDCPA.

Pursuant to title 15 usc 1692a ( 2 ) The term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through ANY MEDIUM. Communicating about an alleged debt through my Consumer Report is violation of the FDCPA, that's communicating with I the consumer through a MEDIUM and ( Equifax ) is in serious violation also. Here 's Violation of the FCRA as well : ( 1 ), 15 usc 1681 ( a ) 4 ( b ) -Accuracy and fairness of credit reporting ( 2 ), 15 usc 1681a ( 1 ) - Consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and mode of living was impacted.

( 3 ), 15 usc 1681b ( a ) ( 1 ) ( 2 ) -Permissible purposes of consumer reports. I the consumer never gave pre-Authorization nor prior permission to furnish any of the information on my credit report.

Each violation under the FCRA and FDCPA is {$1000.00} each violation. I demand these accounts be deleted Immediately or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 usc 1681n and title 15 usc 1681o ) regarding the continued willful and negligent noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.