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

I XXXX XXXX XXXX. Contacted HP Sears. 
On XX/XX/XXXX, XXXX to come to an agreement.No Agreement was made.Today XX/XX/XXXX XXXX XXXX XXXX I Call once again HP sears after a year.To make another agreement which I was on successful to make an agreement with them The agent that took care of my call was very unprofessional and rude.I explained to the agent that I was taking SSI.That if we can come in to an agreement of a payments every month. 
His answer was Because of the amount of $ XXXXI only can do {$350.00} One time payment I ask if we can do monthly payment he said he can not do that. I also mention if he was familiar with the Hyppa law his answer was yes. 
Im kind of concerned about this been in my credit report.I am willing to take action Responsibility.to get this resolved I believe there is accurate information in my account I will like to have this removed out of my credit report if there is in accurate information.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Caine & Weiner calls me repeatedly multiple times in a row and every day. They also continue to send mail weekly and emails. Ive asked them to stop calling me especially when Im working but they havent. they also attempt to call late at night.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, a letter from advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXt Final Rule 1002.142 ( b ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable its which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$7300.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$8900.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7200.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$10000.00} ), XXXX  XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$660.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

COLLECTOR FAILED TO CEASE COMMUNICATION AND CEASE AND DISST COLLECTION
Product: Checking or savings account

I woke up at XXXX XXXX on XX/XX/XXXX, and received an email from XXXX thanking me for an order. I did not submit that order, it was fraud. I immediately XXXX that day to try and cancel the order. The customer service person told me they would cancel the order. I called my bank ( Ally Financial ) immediately after this to dispute the payment. They told me they could not dispute the payment until the transaction was completed and to call XXXX. I called XXXX again the following day and they assured me the order was canceled. I was able to finally dispute the transaction on XX/XX/XXXX with Ally. I received a temporary credit. I logged into my account last week, XX/XX/XXXX to see that XXXX was taken out of my account, twice. I was informed that Ally closed the dispute, and XXXX sent over " sufficient '' information saying the transaction was correct. It was not. I was not awake at XXXX XXXX. I did not receive 10 Arts & Crafts books nor the boxes of cereal that were fraudulently ordered. There is no shipping information, and XXXX is claiming they mailed me the items in questions within 24-48 hours ... which is impossible as I live in a remote, rural area. In addition, the books in question are not fulfilled by XXXX but " XXXX XXXX '' ... typically when things are not being fulfilled by the primary company, it takes time to even ship out, let alone less than 2 days. I have attached my call records, both to XXXX and Ally. I have also attached the emails that I first received when I learned that my XXXX account was hacked in. The emails arrived to me at XXXX XXXX. I work at a school and consistently wake up at XXXX XXXXXXXX XXXX XXXX as I need to be at work at XXXX. 

I also noticed that my savings account is short XXXX with no explaination. My current balance is XXXX and there are no transactions showing why this amount is missing. I have had nothing but issues trying to contact Ally to try and dispute these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter from XXXX/personal loans dated XXXX XXXX XXXX XXXX '' thankyou for applying for a XXXX personal loan on XX/XX/XXXX '' .I NEVER applied for a personal loan through XXXX or its affiliates.This is fraud.I did have a XXXX card with no balance and early XXXX during breakout of covid-19 pandemic, XXXX closed my account citing inactivity.I did call XXXX at XXXX on XX/XX/XXXX at XXXX and spoke with XXXX.She took some information and stated that it was a soft pull and I shouldnt worry and transferred me to Bank fraud Unit at XXXXMy call with XXXX ended at XXXX statement to me is wrong about the personal loan i never applied for.When she transferred me to bank fraud unit, the bank fraud unit was closed.Recently, In XX/XX/XXXX, someone used my personal info to commit fraud at a XXXX through XXXX to purchase a cell phone.This was fraud.Why almost a year later im getting a letter from XXXX???? .Therefore, I never applied for a personal loan from XXXX/personal loans.THIS IS FRAUD
Product: Mortgage

In XXXX 2017 I asked for mortage assistance. I completed the paperwork with a home XXXX. They asked for several documents that were provided. They insisted on using the automobile declaration page as residence verification. I explained to them that the auto insurance was in my spouse 's name and we maintain XXXX separate residence. But they insisted on me submitting this as verification alone with a letter explaining the circumstances of address differences. Upon receiving this the modification was denied and an appeal was started. The rep. asked that I submit bank statements, any other documents that would prove residency and a letter explaining the difference in mailing address and permanent residence address. At this point the underwriter now had bank statements, utility bill ( current ), letter from the bank verifiying address, bill for carpet placed in the home and another letter detailing the concerns regarding residency. I also explained in the letter that during my year of unemployment I never asked for assistance but struggled to pay the mortage every month even using my entire savings and retirement funds. Again the modification was denied and the XXXX was supposed to contact me on XXXX after discussing this with his manager. I contacted the XXXX after not hearing from him by XXXX. He informed that this manager was out sick and he would speak wth her and contact me early today on XXXX as of XXXX I have not heard from the XXXX or received an email.I have again left him a message. The reason for the constant denial is because I have a different mailing address from my permanent address ; however XXXX years ago I received a modification and this was the same status at that time. I now feel that Wells Fargo is denying my modification unfairly since I have submitted everything requested. The rep keeps saying they need more paperwork but there is no specific paperwork being requested other than those that were already submitted.I have asked to speak with the underwriter or a supv over this dept but the rep has no information to provide regarding this.
Product: Checking or savings account

Ive banked with Capital One for about 10 years and have always been very satisfied! Unfortunately, as of this year, I have had multiple security breaches and fraudulent charges made from my checking account. I have disputed all of them and the investigations have been closed, however, while filing my disputes one of the banking employees blocked any mobile payments from occurring in efforts to avoid fraud again. However, that is how I pay my 2 Capital One credit cards. My credit card payments kept being returned over and over again and every time I would call customer service and every time an employee would tell me they don't know what's going on. One employee even told me " that this problem is very concerning to her, especially because she wasn't able to figure out what was happening.
Product: Checking or savings account

On XXXX XXXX 2022 I initiated an ACH Transfer to XXXX to increase my secured CC limit. XXXX claims that they never received the payment. So I asked Revolut customer service, if they sent the XXXX and where to. They sent me a receipt without the receipients account number, only the routing number. Since two weeks I try to get a proper receipt. Today I got a chat response from Revolut that they can't access the data and need a written confirmation frm XXXX that they didn't receive the money, otherwise they couldn't further investigate. But without account number, XXXX can not verify. It is stunning to me that Revolut can't find out where the mony was sent. That shows me that neither the systems nor their expertise a worthy running a bank. The transfer was for XXXX XXXX. Here is today 's chat : Oh, they keep talking about a direct debit, which it was not. It was a transfer. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - We just received an update from the payment team, they have not been able to access the direct debit information, do you have any confirmation from XXXX that they have not received the payment that you can send us? 
XXXX What do you mean they cant access the info? I sent the money, you generated an incomplete receipt, XXXX claims they didnt get it. There is, of course, no confirmation. If you cant access your own data then I dont know. 
XXXX Can you please send us a confirmation that XXXX has not received the payment? With that document the payment team can investigate further XXXX I HAVE NONE. WHAT DO YOU EXPECT? THE YO DONT SEND A LETTER. FIND OUT WHERE YOU SENT THE XXXX MONEY. 
Cant be that hard. 
XXXX I understand how frustrating this situation must be, in order to continue with the investigation we will need an email or some document in which XXXX has confirmed to you that it has not received the money. If the document wasn't necessary, we would not ask for it XXXX How hard can it be to find the receipients account number? No account number, no research from XXXX. If I had more documents I would give it to you! 
XXXX You have no email or chat confirmation, etc. that XXXX has not received the payment? 
XXXX No I dont. And that concludes this discussion. I summerize the situation : You have no idea where the transfer by went to. Now you try to make further investigation dependent on some XXXX that the receipient, which you cant identify, has not received the money. That makes neither sense nor does it show the competence of a financial institution. 
XXXX In this case I will let the payment team know, as soon as I have an update I will let you know XXXX Her is a copy of the contents of their receip, which clearly states 'transfer ' and not 'direct debit ' and the account number missing. 

Value date : XXXX Status : COMPLETED Type : ACH Transfer Transfer Confirmation Amount {$1000.00} Payment reference XXXX Payer details Name XXXX XXXX Account number XXXX Routing number XXXX Beneficiary details Name XXXX Account number Routing number XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to or benefit from the following information : Transunion, XXXX, & XXXX listed on my consumer report, block or remove the following account XXXX XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries on my credit report with both XXXX and Equifax were not authorized dated XX/XX/18. I have NO accounts with these financial companies. I did recently take out a loan with XXXX XXXX, XXXX, CA and did approve of that inquiry. I'm asking that these inquiries be removed from my reports. These have had a major negative impact on my credit report.
Product: Money transfer, virtual currency, or money service

I opened a XXXX account on XXXX/XXXX/XXXX to buy and sell cryptocurrencies. I deposited {$3000.00} on XXXX/XXXX/XXXX, {$10000.00} on XXXX/XXXX/XXXX, and {$10000.00} on XXXX/XXXX/XXXX from my checking account to XXXX. 

I noticed a large, unrecognized chage to my credit card linked to Coinbase. The amount was for XXXX and was on XXXX/XXXX/XXXX with a merchant the merchant info COINBASE, XXXX. Since I did not recognize the charge and did not see it in my transaction histories with Coinbase, I contacted Coinbase support. for further explanation on XXXX/XXXX/XXXX. 

Finally on XXXX/XXXX/XXXX, I received a response from Coinbase support. They confirmed they did not see the charges mentioned above on their side and I should contact my bank to investigate. On the same day, I let my bank know that this was not a recognized charge and should be investigated. The amount charged to my credit card was reversed eventually. 

Once the charges were reversed, however, my XXXX account was disabled. I contacted support on XXXX/XXXX/XXXX and only received automated replies on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 

I then called XXXX support on XXXX/XXXX/XXXX and after nearly 1 hour of waiting was able to speak with a representative. The representative said the restriction may have been applied in error but needed to escalate the case to subject experts who would review the case. But I have not heard from a subject expert since then. 

I 've been patiently waiting for this issue to be resolved, but after months of waiting it seems the only option is to escalate. It seems like my money is stuck now due to an error on Coinbase/XXXX and they are not willing to work with me to come up with a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 5 years ago my personal information was compromised and my identity was stolen. Over the passed few years I have noticed inquiries on my credit that I did not authorize and had no prior knowledge of, Sometimes it was accounts ( cable, phone, utilities ) most were easy to prove fraud. 
Beginning in XXXX I saw these instances become more frequent for a while it was over 30 per week. Whenever I learned of these I would contact the companies extending credit and notify them of the fraud. 
In XXXX I began to notice many apartments showing up, many of which were actually signed leases in my name and some were just applications. A lot had utilities connected in my name as well. 
Last year, I learned a XXXX person named XXXX XXXX was arrested in XXXX FL for fraud and counterfeit charges I contacted the apartments and learned he was claiming to be me and had an apartment in my name that was in default, he was giving the office fake checks to pay rent and was thousands of dollars in debt in my name. 
I have police reports and FTC filing but can get nowhere with the bureaus, collection agencies or creditors. 
I need assistance getting my life. Back. 
The companies are : -XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX {$4600.00} 2 ) XXXX  XXXX XXXX XX/XX/XXXX {$270.00} 3 ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$370.00} 4 ) XXXX XXXX XX/XX/XXXX {$320.00} 5 ) XXXX  XXXX XXXX XX/XX/XXXX {$100.00} - XXXX XXXX XXXX  1 ) XXXX XXXX  XXXX XX/XX/XXXX {$3300.00} - XXXX  XXXX XXXX XXXX 1 ) XXXX  XXXX XXXX XXXX XX/XX/XXXX {$4700.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$540.00} -XXXX XXXX  XXXX XX/XX/XXXX {$160.00} XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX {$450.00} XXXX XXXX  XX/XX/XXXX {$300.00} These are the ones currently showing. Some of these have part my correct info and some inconsistent. I need help reclaiming my life. I have statements, FTC Filing and police reports but I cant get the bureaus, agencies or creditors to help me. 

Can you assist me?
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I have marked as inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 for years been blocked from receiving a free annual credit report from Equifax online. It always takes me to a web page stating it can not be delivered online and I must request it by mail. 

This is XX/XX/2018 and this seems like intentional stonewalling. I tried calling them about it once and after spending hours on hold and going through phone webs, I still never received the report. 

The most recent date I tried to access the report was today XX/XX/18, and I again was directed to the same web page, stating they can not deliver the credit report online and it must be requested by mail. There is no reason given. I haven't gotten an equifax report for several years because of this. 

Any help would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

We leased a new Volvo suv through one of my XXXX in 2018. Every payment was made on time and was auto drafted from our account. The dealership we leased the vehicle through no longer existed when the lease was up. We returned the vehicle to the new dealership in XXXX XXXX as instructed. There were no issues, they said we were good, checked all the boxes, and I signed the paperwork. After I asked about several of the extras we purchased through their lease program that were never delivered to us, and we were told we would have a credit issued to us. Nothing ever happened. 

Unfortunately sometime in the last few months volvo has filed a negative action on my personal credit report for all of {$360.00}. No idea where that came from, especially since they were supposed to owe us money. Now my pristine credit history with exceptional payment history for more than 10+ years looks like I did not make 4 payments on this volvo , and that they charged off the account, even though we paid every payment on time, and returned the car in pristine condition. Furthermore it was leased under my company, not me personally, so why are they putting false info on my credit report? 

I do not see how any company has the power to do this to someone? This is causing me major problems. Any assistance would be greatly appreciated. Thank you.
Product: Checking or savings account

I would like a full investigation in what is taking place with my funds. I want access to my funds immediately and any fees added due to this issue refunded. I would like the cfpb to also provide their investigation and any fines that capital one would be responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have checked my report and there are 2 accounts that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am uploading a letter I received yesterday XX/XX/XXXX from XXXX XXXX. I am disputing an error that is reporting on my credit reports. XXXX XXXX is saying that they have no control on how the cra reports information. There is one account that is stating the account is paid as agreed but with a 30 day late payment in XXXX. This is completely incorrect. The XXXX XXXX account is showing as accounts that are potentially negative and will go to a positive status in XXXX. There is also a number 1 code under the account. If the account is paid as agreed it should be listed under accounts that are satisfactory. I have been requesting XXXX XXXX to correct this on my credit reports and just move the account to : accounts that are satisfactory : which the account is!