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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX 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 XXXX 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 n 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 im XXXX  now.
Product: Debt or credit management

This complaint is in reference to complaint # XXXX, whereas the complaint was closed due to Lender stating that they can't respond because there is a pending litigation on my complaint. I am stating that my litigation is regarding the lender illegally locking me out of my property, and removing personal property. The above complaint is regarding deceptive practices with loan modification, not responding to loan modification application, and misrepresentation of advocacy group in order to help resolve foreclosure. Therefore, I am requesting that PHH be investigated about these unfair/deceptive practices as I am trying to keep my property.
Product: Student loan

in 2000 I was approached by student loan officials at the University XXXX at XXXX Maryland where my son was attending at that time. I was was told this was a " parent plus loan '' that it was for the student in their name but that the parents were simply cosigners. that was the exact terms used. now these NASTY collection companies are calling me and sending these nasty letters to me. the original loan was for something like {$3500.00} now this collection is sending threatening letters to me telling me they will garnishment my wages for the now amount of {$7500.00}. this was NEVER understood to be my loan. 
I have not talked to my son in over 7 years and I do not even know where he lives or works..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been lied to by XXXX XXXX XXXX XXXX. Here is what happen to me. I set up a payment plan with XXXX XXXX XXXX XXXX. They told me on a recorded line that my account will not show up late to all 3 credit bureaus if I accept the terms to make all my payments. When they explained this to me they spoke really fast like a car salesman/commercial. I asked them to repeat what they said and they spoke even faster. I trusted the person I was speaking to and took the deal. I took the offer and made all my payments, Then I checked to see that 3 late payments reported to my credit report. 

I have contacted them several times about this manner and spoke to employee # number XXXX, XXXX XXXX XXXX and XXXX at the president office. And they continued to lie to me about the late payments showing up on my credit report. And they never replayed the original recordings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX Balance XXXX {$6100.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4000.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

From XXXX 2020 Money Lion took {$1000.00} from my checking account in {$200.00} transactions, 5 total. I would later discover a criminal used my identity to establish a Money Lion account in my name and withdraw the funds. Once I discovered this, I let my bank know and have been calling and emailing Money Lion with XXXX help in return from ML- I expect to be refunded as they allowed their service to be used for fraudulent activity and such an ineffective system to resolve account disputes. A company valued at a XXXX dollars that touts itself as a " Mobile Bank '' should be ashamed of such poor service. Most of my phone calls to ML are answered by overseas call farms that can barely speak XXXX or assist me much at all aside from assuring me I'll be contacted by the fraud department.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally address an ongoing issue regarding multiple hard inquiries on my credit report, which I believe are the result of fraudulent activities. Under the Fair Credit Reporting Act, specifically XXXX XXXX CXXXXe XXXX, I am entitled to accurate reporting of my credit information, and I have taken the necessary steps to resolve this matter. 

Despite my efforts over the past 30 days to contact each of the XXXX major credit bureaus ( Equifax, XXXX, and XXXX ), I have been advised to reach out to your office for resolution. I have submitted letters and documentation outlining the nature of these inquiries, yet no action has been taken to remove the 14 fraudulent inquiries from my credit report. 

As per XXXX XXXX CXXXXe XXXX, which states that consumers have the right to dispute inaccurate information on their credit reports, I am exercising my rights to challenge these inquiries. The lack of resolution from the credit bureaus is unacceptable, and I am now compelled to consider legal action to ensure compliance with the law and protect my creditworthiness. 

I kindly request your immediate attention to this matter. Please investigate the fraudulent inquiries and facilitate their removal from my credit report. I appreciate your prompt response to this urgent issue and look forward to your guidance on the next steps. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has yet again allowed unauthorized activity on my report. Remarks and fraudulent information have been added to my credit report. 

These continued activities being allowed by bridgecrest need to stop immediately. 

The account needs to be updated to what is accurate and my score must be returned to what it was before theyve allowed this fraudulent activity. 

I just spent the last hour and a half trying to get someone on the phone to speak about this matter. 

XXXX representatives, if this isnt resolved I will be seeking legal counsel and taking a public civil action against you. 

I demand this be resolved in under 30 days or I will move to the next step. The continued ignoring and immediately closing these investigations is illegal and unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was not aware that my XXXX XXXX used my information to get credit cards she also made XXXX for XXXX XXXX XXXX was not aware of using my information i was never married to this girl she lived with me for several years but used my identity to make these credit cards i was not aware of the two cards she had under my name until time went by
Product: Credit card or prepaid card

I signed up for the Wells Fargo XXXX credit card that advertises 1x point per {$1.00} spent on rent. After a HARD PULL on my credit, I am informed that I ALSO have to make a minimum of XXXX transactions on the credit card per month to get any points added on to my account ( the rent payment does NOT count ).
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA is in direct violation of FCRA, FDCPA, DODD FRANK ACT AND METRO 2 COMPLIANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account for old car loan that that was paid off has many things on my reports inaccurately. Disputed info over 30 days ago with XXXX and Equifax.. I want to have this account removed from reports. Have screen sots and copies of all inaccurate negative items.
Product: Debt collection

I received a letter saying I owe a student loan and must send the amount to them.The letter used the XXXX XXXX XXXX XXXX. but did not indicate who is the servicer who gave them the authority to collect for them. I called the number of the collection agency and the person on the phone said it was a student loan for my daughter XXXX yrs ago in my former married name, ( I 've been divorced since and use my maiden name now ) and its defaulted loan. The person on the phone said that I can make payment arrangement based from my income and budget, as low as XXXX dollars a mo. in order for the debt to be out of defaulted status. I was skeptical, but I answered all personal questions including where I worked, how much I make, even my budget etc ... since I barely have money left for food expenses, he said I qualify for XXXX dollars a month. I thanked the person and I said give me the website where I can pay online. He said that their program is only for automatic payment and I need to give my bank acct or debit card to pay the XXXX $ monthly payment. I got nervous and I told him that I will call him back in the morning and I got his name and ext number. The following day I researched and make calls and with the help of the account number on the letter the collection agency sent me, I found out that this so called defaulted loan, has zero balance. That 's why it was not even in my credit report, and I do check my credit score every month, and my credit report at least every 6 mos. So I blocked the collection agency 's phone number to stop them from calling me. They have been calling me and leaving messages, even using local phone number to trick me to answer their call. After 15 days of the original debt collection letter, I received again XXXX letters back to back in 2 days, same exact letter, but the balance owed is more but with same loan account number. So I decided to report them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm has a fraudulent transaction on my account which is now delinquent. I have tried to resolve this issue multiple times but each time they have neglected any effort in assisting me. Please review my account and notice that i have attempted to file a dispute with XXXX but since then have also been declined. I have become desperate since i am getting no help on my case. Please review and make your decision accordingly
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I called PNC to remove PMI at 80 % loan-to-value on XX/XX/2019 ( I know it should be in writing ). Received a letter to remove it required me to pay a {$500.00} appraisal fee to an appraisal company owned by PNC. I was called on XX/XX/2019 by PNC and told that it was the lenders ( XXXX XXXX ) requirement, and I could call them to request removal. They were not open. Per the Homeowner 's Protection Act, they can require " evidence '' but it says nothing about being required to use their in-house, overpriced appraiser. This sort of self-dealing should be illegal, and the definition of evidence should be expanded.
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. 
XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX 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 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 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.
Product: Money transfer, virtual currency, or money service

I got scammed thinking Im moving into an apartment whole time I had signed a fake lease & sent her funds when she wasnt even the actual management I urgently need my funds back the bank may not give them back nor the police can make her give them back Currently out of a home & 2,000 I urgently need something done desperately She was a tenant who was living there & done moved my husband & I in that apartment willingly when she wasnt supposed to list the property on XXXX  or sublease her apartment at all She refused to give me my funds back The property management tried make a contract agreement but I did not sign & she still did not give me back those funds
Product: Prepaid card

InComm refuses to pay the costs of arbitration despite it being specifically referenced in their user agreement. More details follow : I have disputed a charge and my dispute has been rejected for reasons inconsistent with the terms and conditions of the card which I purchased. Specifically, those terms provide : " Under Visa rules, your liability for unauthorized Visa debit transactions on your Card/Virtual Account is {$0.00} if you notify us within two ( 2 ) business days and you are not grossly negligent or fraudulent in the handling of your Card/Virtual Account or PIN. '' There is no dispute that I contacted Incomm within 2 business days of discovering the fraud. In fact, I contacted Incomm on the same day. Incomm has not claimed I have been " grossly negligent or fraudulent in the handling '' of the Card I purchased. All they have stated is that " We take concerns from cardholders very seriously. After a thorough review of your account and evaluation of the evidence provided, unfortunately we are unable to approve your dispute. With the denial of this dispute, your case has been closed. '' Therefore, I am seeking arbitration. 
The terms applicable to the card I purchased provide as follows : " We will pay the initial filing fee to commence arbitration and any arbitration hearing that you attend shall take place in the federal judicial district of your residence. '' ( XXXX XXXX XXXX ) On XX/XX/year>, I emailed InComm requesting them to initiate an arbitration and pay the fee and have not received any response.
Product: Checking or savings account

This is by far the worst bank I have ever had the displeasure of dealing with. Everything from the " customer service '' to their disputes process is lacking. 
I filed a fraud dispute with Frost Bank on XX/XX/23 from the total amount of {$920.00} and credit for that dispute was given on XX/XX/23. It's now XX/XX/23 and I noticed the credit was reversed and contacted frost were I have spoken to a tolls of six different representatives and each is giving me different contradictory explanations with no real reason, even the account manager XXXX was absolutely no help what so ever. I am now out of nearly XXXX dollars due to the incompetence of this bank. 
To make matters worse, the customer service rep told me I should work with the merchants on getting the funds back from them, mind you these are unauthorized charges NOT made by me so how in the world am I supposed to go about that when I have no information on the details of these transactions. 
I was a victim of fraud and frost is treating me like a criminal. They are refusing to work with me throughout this process dispute telling me previously that I can send in additional information to assist in reconsidering my case. I filed a police report and offered documentation as proof that my money has been compromised but Ive only been met with rude and dismissive attitude from this bank. How can you threaten to close a customers account because you are incapable of doing your part in protecting their money especially while charges are in dispute.
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 UCS 1681 XXXX. XXXX XXXX LL # XXXX Has violated my rights XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights 15 U.S. Code 1681 section 602 A. states I have the right to privacy 15 U.S. Code 1681 section 604 A section 2- States a consumer reporting agency can not furnish an account without my written permission or instructions, which they have failed to produce and acknowledge.

15 U.S. Code 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information. 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. Code 1681s-2 ( A ) ( 1 ) -Duty of furnishers of information to provide accurate information, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time reporting Equifax Credit Bureau due to the credit report pulled on XX/XX/2021. I reviewed my credit report and realized they are reporting a balance on a account that has been settled already. Equifax is reporting a balance of {$710.00} for account XXXX. Please not that the original creditor is XXXX XXXX XXXX. This credit union consigned the debt to this unlawful debt collection agency XXXX XXXX XXXX XXXX. I requested this information to be corrected in XX/XX/2021. I then reported Equifax to CFPB, even though they stated to you that the information was reviewed I disagree. I have already provided documentation of proof of payments, bank statement, and letter from the debt agency stating debts have been paid and settled. I am unable to pass my background investigation for my potential job because of this error. 

The only resolve I want is to have the account completely and forever removed from my credit report.
Product: Debt collection

I am not familiar with this company requested contract and was not provided any information. 
Amount XXXXXXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  should not be reporting a collection in the amount of {$1100.00} on the XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was originally with XXXX XXXX. I do not now, nor have I in the past ever had an account with XXXX. This account was opened fraudulently. This false reporting of a collection, that does not belong to me, is seriously harming my credit score and this line item needs to be removed from my credit report. I have tried to contact XXXX  and XXXX  to remove this account however, I have not been successful.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Checking or savings account

I have been banking with chime for over the last 4 years. I recently XXXX with my XXXX and have been working for my job for the last 2 months. My checks have always been deposited to chime since I had my chime card. Yesterday XX/XX/year> my check was deposited into my account in today on my lunch I went to grab something to eat tried to withdraw money in my account was closed by Chime without any notice and funds were not recover I have my statements for my account, I've talk to representative from chime and they cant give me any information on why my account was closed and they continue to hang up on me for even asking I would like my funds to be return to me asap for I have bills due