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

I notice multiple accounts reporting on my credit profile that I never opened nor authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

please i need help i been sending disputes and nothing has change i need this to be resolved. XXXX trying to buy a house and i have damages on my credit report and things in my credit report that is not mine. According to the law 15 USC 1681 there should not be any damage on your report this is a defamation to my character.
Product: Credit card or prepaid card

Today, XX/XX/2023, XXXX XXXX attempted to charge my credit card with Truist Bank {$4700.00} for an upcoming apartment rental in XXXX. Truist locked my card and tagged the transaction as fraud, which it was not. Resolving this matter consumed XXXX XXXX hours of my time. A fraud representative assisted me, said the block was removed and that XXXX XXXX could process the charge. Each time, and this happened repeatedly, the transaction was declined. I also offered my debit card for the transaction -- again, declined. 

The problem appears to be Truist 's puts the bank first instead of the client to avoid fraud. So be it. But the numerous attempts required to clear the transaction were unacceptable. I have banked with the numerous iterations of this bank for XXXX years. I will no longer do so. I have no confidence that my credit card will not be blocked when I am in XXXX from XXXX XXXX. I have been assured it will not but there is no guarantee. Truist site states that no longer is a travel update required to use the card. That is not true. I had my card blocked in XXXX when I was in XXXX Texas. 

Your agency should look into the number of complaints against Truist. There are many. Thank you.
Product: Debt collection

As of the date of this complaint I have received 100 emails, 156 telephone calls and 3 letters from MCM, Midland Credit Management. 
After speaking with someone the first 3 times this company called I stopped answering calls from them. They started leaving voicemails. Which so far have stayed civil. The phone calls start before XXXX XXXX and go until about XXXX at night. It has gotten to the point to where I am willing to have my phone shut off because of the constant calls. I never agreed to pay this company anything because my agreement is not with them. It is with the C.C company whom I have spoken with several times.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have reviewed my credit file and find inaccuracies on this account. The school loan was from XXXX XXXX. The amount showing on my credit file is {$110000.00}. XXXX was taken to court and they lost. I received a letter from Peaks XXXX XXXX and was serviced from Vervent Ins. The letter states that Pursuant to a settlement with thr Bureau of Consumer Financial Protection and several State Attorneys General Peaks has agreed to discontinue collection and enforcement of the entire outstanding balance of all such outstanding loans effective XX/XX/2020. This notice was to inform me that I was no longer obligated to make any payments on my Peak Loan.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX dated XX/XX/2017 and less then 1 week a collection was placed in my credit reporr in a clear violation of the FDCRA but the worst part is that TRANSUNION amd XXXX  allowed XXXX XXXX to place an incaccurate account open in a lapse of time I was not living in the address and obviously opened using my identity. 
The date show XX/XX/2017 and during that period i was in a shelter for over 1 year since XX/XX/2017 as shown in a residency letter. 
The account number is XXXX as appear in the collection letter for XXXX with XXXX as original creditor. 
TRANSUNION AND XXXX violate the FCRA by allowed the collector to place imaccurate and false infornation in my credit report without any supporr or verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported this numerous times and as of XX/XX/XXXX still showing the XXXX XXXX credit card ending in XXXX still open, where it is closed with XXXX balance.
Product: Credit reporting or other personal consumer reports

I am writing to complain to XACTUS-CP about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 account has been paid. It is still negatively impacting my ability to obtain credit and employment. Please remove immediately. 


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

I just received the results of a dispute I had put in withXX/XX/XXXX credit reporting agency. The most recent report number is XXXX. XXXX XXXX XXXX XXXX. XX/XX/XXXX ... ..XX/XX/XXXX ..and XX/XX/XXXX do not belong on my credit report. I have uploaded proof that equifax had done there investigation and it was confirmed to remove these accounts off my credit report. However XX/XX/XXXXI feel is not doing a proper investigation because they would have received the same information to remove these account that do not belong on there off my XX/XX/XXXX credit report. Having this wrong information reporting on my experian credit report is causing me a hardship. I have been disputing these accounts for over 6 months now and XX/XX/XXXXwill not remove them. I am submitting this complaint about XX/XX/XXXXbecause they are not correcting and deleting these accounts off my credit report. I also tried to re-dispute these accounts again online and XX/XX/XXXXwill not allow me to do so. This is my right to have correct information reporting on my credit report.
Product: Payday loan

I was never contacted by the lender. Not even once. 
XXXX XXXX and XXXX somehow obtained my information and threatened me with legal action. They said they would harrass me at work every day and show up at my doorstep. They fraudulently aquired my information and continue to threaten me. They constantly call and say they have contacted XXXX XXXX and are serving me court orders. I contaced the actual lender and they said they are a scam company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I received a charge off on an account that had fraudulent activity. I tried negotiating with the creditors to get it removed from my XXXX and Equifax report by paying because only XXXX removed it due to the fraudulent activity. The creditors said that they will not remove it even when paying it off and with the fraudulent activity on the account ; They will keep reporting it as a charge off. I tried to tell this information to both Equifax and XXXX yet they keep updating the information instead of removing the delinquency. The creditors are asking me to pay off the fraudulent account but they wont remove it from my report.
Product: Payday loan

I apply for a Loan with no interest for XXXX month. Very small amount. Everything was approve and sing for. XXXX or XXXX weeks later I get the regular payments plus an interest of 29.9 %. I call the bank and the only they can say is that they do not have any promotions and ca n't help me.
Product: Credit reporting or other personal consumer reports

Id like to dispute these late payments from Carmax finance. Dates XXXX, XXXX, XXXX of XXXX. Also XXXX and XXXX of XXXX. Of payments of {$420.00} for each date. 

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 

Thank you.
Product: Credit card or prepaid card

I had and an existing compliant XXXX The compliant was closed but the Company did not reach out of respond to the compliant. When I tried to reach out to them, they didn't reply to the emails or voicemails and never picked up the phone.
Product: Mortgage

Bank of America has re acquired our mortgage from XXXX ... in this process they have charged a fee to us, and show it as late, even though the transfer took place in XXXX 2015 ... the fee, XXXX they say is related to the expenseof acquiring our mortgage ...
Product: Checking or savings account

I opened an account with TD Bank and set up my Direct deposit. Before I got my direct deposit, I had 2 transactions. The first was me cashing out on XXXX XXXX, and sending the funds to my mother XXXX XXXX through XXXX. The next was my mother sending me {$1000.00} Through XXXX  and me attempting to add it to my XXXX. The payment was declined and the following day my account was closed. Now i can not open another checking account. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Been keeping track of my credit to apply for home loan but lenders can't get a report or credit score from EXPERIAN.

I've contacted Experian several times, Experian Dispute department was able to send me my report but I need a membership to get my score.

I tried to get a membership but every time I try to get one on line it gives me a message ( we were unable to find your report with the information provided ) I called Experian to get help getting a membership but every time I've call the rep tells me that my report is locked due to too many time tried to pull it up.

I've been asked to wait 72 hours and when I call back is the same results, my report is locked. 
I haven't been able to have this resolved for about a year and the last couple of months it's been very frustrating because none of the Experian reps can help me. 
Experian dispute rep tells me they can't see anything wrong, the membership rep tells me they can't access my repor and the lenders can't pull my report or my score. 
Experian is the only credit agency that I have problems with, XXXX  and XXXX  are very helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 Section 602 A state I have a right to privacy. 

15 U.S.C 1681 SECTION C MO CONSUMER REPORTING agency may make any of the following items of information and other adverse item information other then records of convictions of crimes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. Equifax has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Please see enclosed documents Equifax ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX COLLECTIONS XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$310.00}
Product: Debt collection

This company is continuing to call looking for another person who owes them a debt. I 've explained for 4 months this is n't his number. They continue to call, even though I 've told them this is no longer his number. This has become harrassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received an alert from XXXX XXXX that syncb/paypal has completed an hard inquiry on me and I never authorized it. I've contacted paypal and synchrony bank and no one has a record of it. This has caused my credit score to drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed Experian several times stating over and over again that I never had a previous address of  XXXX   XXXX   XXXX   XXXX  ' or whatever it was as listed on my Experian credit report. This is an address in  XXXX , GA.     The problem is, I have NEVER LIVED in  XXXX , GA. I did a quick Intelius search for myself  XXXX   XXXX   XXXX  and found ANOTHER  XXXX   XXXX  currently living in  XXXX   XXXX  GA.     For my personal listing, it DOES list  XXXX , GA along with  XXXX , WI  (  my actual residence ) as a 'residence, ' but this is because fo r 1.5 years I  worked for a company called  XXXX ,  XXXX   XXXX   XXXX   , G A, except I did it VIRTUALLY ( telecommuting ). When the company sent out my tax forms, they mistakenly sent it to my current address,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  GA ' and not,  XXXX   XXXX   XXXX  WI. ' This is the only explanation I can come up with for why the address is on there and also listed on Experian 's credit report for me.     I have asked them to remove other iterations of Atlanta-based addresses on my credit report, and they complied. It was basically different versions of the same thing  XXXX   XXXX   XXXX   XXXX , ' or something to that effect. I have NEVER LIVED in  XXXX , so I would like them to remove it now. I have already mailed them  tw  o lett ers about it and they have responded back with something like 'we use different bureaus and reporting methods to check accuracy. '  XXXX . They are using the address of an old employer 's tax forms and am sick and tired of their  XXXX  because upon looking online to other credit reporting forums, I see that others have tried to get their addresses removed from Experian as well and had no success.     Experian does n't seem to understand that creditors trust you based on how long you have lived at an address. I lived at my current address for 18 years (  XXXX  ), then went to college in  XXXX   XXXX  until   XXXX  , then moved back here to the same address I started with (  XXXX  Present  ). I do n't see how  XXXX  hard this is for them to get through their thick skulls. If they want to play these games the next step is I 'm suing them for violating the FCRA.
Product: Debt collection

I received a letter saying a had a written a check that had insufficient funds from TRS recovery services. I telephoned the agency and spoke with XXXX XXXX on XX/XX/23. She stated that the account # ending in XXXX, however this is not my account. I only have a joint account with my husband and his name isn't listed on this letter. I am not aware if someone has an account using my name or if this company is a scam. I received another notice on XX/XX/23
Product: Debt collection

" WARNING '' Medical Revenue Service shared a copy of my personal medical treatments. I did not give orginal creditor my consent to share PHI ( ( protected Health Information ) with any collection agency of such balance/ treatments. This was a violation of my HIPAA rights. Please be aware that HIPAA allows for fines in the amount of {$10000.00}. Per violation. This account must be deleted immediately off my credit report for violation of the HIPAA LAWS!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 a account without my written instructions. 

XXXX XXXX XXXX Original creditor : XXXX XXXX Account number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX creditor : XXXX  XXXX Account number : XXXX XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX  Account XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX  XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This complaint is regarding Violation of verification and reporting of public information. Negative items ( bankruptcy ) on my credit report ( s ), where I personally contacted the US court house and verified that they do not verify or provide information to the to 3 party credit reporting agencies. How is it possible XXXX, XXXX, and Equifax are reporting a negative public record item? Your assistance is greatly appreciated.
Product: Credit card

" I discovered I was charged an annual membership fee of {$99.00} when I checked my XXXX statement. 

This is for a Citi XXXX XXXX  credit card that I haven't used since XX/XX/XXXX. I called them to ask for a refund since I haven't been using the card and to cancel this card. 

The XXXX operator was friendly and let me know that I could reverse the fee up to XXXX  days after it was charged. The fee was charged on XX/XX/XXXX and paid on XX/XX/XXXX. 

The XXXX operator refused to reverse the charge. Instead they kept telling me the benefits of the card and telling me to keep it so I could get the value that I paid for. 

This feels predatory. I'm being charged for something I clearly don't use and don't want to have. Instead of helping me they tried to convince me to keep it which is what got me into this mess when I didn't cancel after paying last year. ''
Product: Debt collection

Specialized Loan Servicing, LLC ( SLS ) is holding a lien on my property ( XXXX XXXX XXXX, XXXX, PA XXXX ) that was paid off by a third party investor without my knowledge. In addition, SLS is demanding that I pay them $ 43,000+ when they never provided nor forwarded information addressing my concerns of the originator 's Power of Attorney and the trail of mortgage assignments.
Product: Credit card or prepaid card

In XX/XX/2021 while shopping in Macys, the cashier advised I was eligible to up grade my Macys citi bank card to a Macys XXXX  XXXX  card. I accepted and continued to shopping. I was told my previous card is no longer valid and I can not longer use that account and my balances would be transferred over to my new card. I continued to use my credit card and payments. In XXXX, I begin receiving letter advising my account is past due. I continued to received more letters and I also called the number in the letters, to be told each time my account is good standing and they can see my bill was paid. Then in early XXXX I received a collection bill. I not only called, I went to a Macys store. I also filed a dispute with the collection agency. Another week letter, I get an actually bill from Macys. I call again and they say my account is in good standing and to call back next MonthXXXX XXXX if I get another bill. This unacceptable. This could affect my credit. No one is taking me seriously as I have been trying to resolve this for XXXX  months! Valentines day, I received an email from Macys saying they are referring to a collection agency. I have called numerous times to get this resolved. I have been harassed by these letters and I also feel discriminated against. I would to have this resolved as soon as possible. I have also filed a complaint with the XXXX. I will continue to pursue until this gets resolved. I have provided the Citibank notices, collection notice, Macys statements, and bank statements show numerous payments. These last XXXX  month I have experience extreme frustration, XXXX, XXXX  and XXXX  trying to get this resolved to no avail. I have excellent credit and I do not want this to affect my credit. I pay all bills on time.
Product: Credit reporting or other personal consumer reports

There are incorrect dates shown in the screen shot. Showing different dates for last active and when it was opened.

I have not supplied proof under the doctrine of estoppel by silence, Engelhart V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Product: Money transfer, virtual currency, or money service

The company Coinbase has prevented me from withdrawing funds. It has said that I can not have more then 10 pending withdrawals at once. In the past Coinbase has also degraded or blocked my account. The company has ties to the Trump administration.