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

I called transunion on XX/XX/XXXX in regards to a debt collection in my account in which I had disputed. I explained to the representative that I have a security freeze on my account in which I had on there since XX/XX/XXXX. So I was confused how someone was able to gain access to my credit report without me removing the freeze. The rep explained that because I had a fraud alert in my report he had to transfer me to the fraud department. After being transferred I explained the same situation to the new rep. He then explained to me that they do not validate debt and I quote these were his words. I then repeated what he said and he said yes. We dont get any contracts or anything elses from the creditor saying that the debt is valid. He said all we do is ask the creditor if the debt they listed is valid and if they say yes we inform you that the debt has been validated. I then expressed my disbelief and asked how would they know that the debt even belong to me. I also expressed that it was impossible for it to be mine as I had no dealings with this company before that was reporting the debt and that the debt being reported was from XX/XX/XXXX in which I had not open any accounts with anyone during that time. I also advised that I have a security freeze on my report. He then says well let me validate who you are so that I can access your report. I give him my Information and then he says he needs to ask a series of questions. He starts to ask questions that I am unfamiliar with as I have no association to any of the questions asked. He then claims he cant validate who I am and that I need to hang up and call back to speak to someone else to get new questions. Well I never called back and submitted a dispute in writing with a certified attached. Im saying this to say that Transunion has unfair dispute practices that allows creditors to put negative collections on your report without having to provide documentation that the debt belongs to you. Transunion at this very moment is costing me financial hardship and continues to do so after allowing XXXX XXXX to open credit in my name during a time that a fraud alert was put on my credit report. Transunion removed the XXXX account but later allowed XXXX XXXX  a collection agency put the same account on my report and claimed it was valid after I disputed it citing that the account was sold to XXXX XXXX by XXXX. Please dont allow Transunion to do this to anyone else and allow there reputation and credit to be harmed because they lack the dignity to verify collections before putting them on credit reports. I am requesting Transunion deletes accounts from XXXXXXXX XXXX that were sold to XXXX XXXX XXXXl and any other agency as well as these accounts from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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

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

I send in a letter asking for my validation of debts and experian refusing to
Product: Debt collection

XX/XX/XXXX, I sent my first email after a phone call with a representative at NCC Business.  They have not been responsive and never assist me when I call. I am always told that I will be transferred to the person handling my " case '' and I only get the voicemail. Many times I call and the call is disconnected after a long wait time. 

I have been trying to resolve this error because they have placed an invalid collection on my credit with all three bureaus and have done nothing to verify this information for me. 

I have disputed this case with them and have begun the dispute with the credit bureaus. This is my final attempt at resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX. 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 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, credit repair services, or other personal consumer reports

On XX/XX/2021 A company named XXXX access my Consumer 's report without my authorization. TransUnion allowed this access with a credit freeze in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I apply for a credit card or credit services I am denied because I'm told that I have accounts seriously delinquent. My account status shows 100 % payment history in all accounts.
Product: Debt collection

Previously contacted Enhanced Recovery Collection on XX/XX/2020 with a letter of validation of debt as stated on the FTC website. The amount of 30 days has passed and I did not receive any form of communication on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX- Fradulant XXXX XXXX- Fradulant XXXX XXXX XXXX Fradulant XXXX XXXX XXXX XXXX Fradulant XXXX XXXX Fradulant XXXX XXXX-Fradulant XXXX  XXXX XXXX  XXXX Fradulant XXXX  XXXX XXXX Fradulant XXXX XXXX Fradulant XXXX XXXX XXXX- Fradulant XXXX XXXX Fradulant XXXX XXXX XXXX Fradulant
Product: Credit reporting

In XXXX, I contacted Equifax asking them to investigate errors that appeared on my credit report. As of today, over 3 months have passed since I sent my request to them, and I have yet to receive a response. I have also sent at least XXXX follow-up letters asking for my credit updates, and I have still not heard a single word back.
Product: Money transfer, virtual currency, or money service

Please Need Help With my Problem Hello, i reported that my account has been not working from a few months ago after i lost my phone device. 

i sent many email to XXXX about the problem with my account when i try to send money. 
They ask me for several information about verification processes for help me to reinstate my account. 
The main problem is that i reported many time that the website upload.wu.com is not working for send document. 

I sent my document to the email but all agents looks like they really do not read my email and always sent me the same answer about sent the document to the link upload.wu.com. I feel really tire because i sent many email with the explanation, ( that link is not working for send Documents ). 

Other problem is that customer service cant help with my actually problem because they said i have to contact to XXXX. 

I have been using western union services for several year and its important to me to fix any problem with associate with my account. 

Western Union [ ref : XXXX : ref ] Western Union Case Verify my Id ref : XXXX : XXXX Western Union XXXX XXXX XXXX : ref XXXX XXXX XXXX XX/XX/1988 XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX zip XXXX XXXX
Product: Debt collection

I send this dispute certified mail # XXXX to make sure they had receive it. I have no knowledge or records of account # XXXX reported by PMAB. Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
If you can not obtain The information from the original creditor within the required time frame ( 30 days ) Please delete this account from my CR.
Product: Checking or savings account

On XX/XX/year> around XXXX I deposited {$170.00} into my chime checking account at XXXX . I got a receipt from XXXX which proves their side of the deposit went through. The funds were never deposited into my chime account. I went back and forth with chime support calling daily for almost an entire month before they decided to actually file a dispute. They finally filed the dispute on XX/XX/year> and contacted me today XX/XX/year> to say that even with the receipt proof I sent them they think that no error occurred. If no error occurred then why do I not have my money. They have blocked me from contacting support as well because they know that I am adamant about this as thats {$170.00} I put in to pay my bills and they have now just stolen it from a hard working XXXX XXXX XXXX XXXX XXXX XXXX. They do not want to help me whatsoever and think that I should just back down and be okay with them stealing {$170.00} from me.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I logged into my XXXX Credit Card account realizing I forgot to make my payment. There was an offer to make a payment by XX/XX/XXXX to avoid reporting it as a late payment to the credit bureaus. I made a payment of {$99.00} on XX/XX/XXXX out of my checking account ending in XXXX. I logged back in on XX/XX/XXXX to verify the payment and see the updated balance because it had not been taken out of my bank account yet. It showed the payment had been reversed so I called to find out why and they advised me the checking account was coming back as closed. So, I called my bank and they advised me the payment had never been presented to them. I had no fees or returned payments. SO... I again made a {$100.00} AND {$46.00} payment out of the SAME checking account ending in XXXX. Those payments cleared my account no problem. 
My account has never been closed and the reversed payment was never presented to my bank. I called Milestone to discuss this with them because they did see the payments were both presented to the same account and the later one cleared no problem. So, the issue is on their end. I ask them to look into it and remove the late payment on my credit report. They did nothing. 
I sent a letter with photographic proof of all of these things to Concora Credit, which is the main bank for Milestone. This was delivered on XX/XX/XXXX via XXXX tracking XXXX. Nothing has yet to change. 
Because the error was on their end for the original payment, when I made the payment before their requested date, I should not show a late payment and it needs to be removed. You credited me the late fee for the error, now remove the late payment on my credit.

I have attached a copy of the statement showing where Milestone says the account was closed. I am also attaching a copy of my bank statement where you can clearly see it was not. You can also see no payment presented, and no fees charged to my account for the original payment. You can see the second payments made on my bank statement as well.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt, list the names of the accounts you're disputing ( just the names. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

NATIONAL CREDIT ADJUST Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX National Credit Adjusters claims that I owe {$2400.00} I did not receive any initial letter. Furthermore XXXX subsequent letters requesting validation of this alleged debt have gone without any response. The first letter was on XX/XX/2022, second letter on XX/XX/2022 All Certified mail with XXXX receipt. I Never signed or verbally agreed to any business with that company. However, somehow XXXX verified the alleged debt as accurate.
Product: Checking or savings account

It all started around XXXX on Saturday XX/XX/XXXX. I had dinner with a friend earlier in the evening and we had stopped off at a spa on that was open late. The massage ended around XXXX and even though I had charged my card inside the place, I wanted to leave a cash tip, so I went to the ATM outside. I put my card in and the ATM was acting bizarre. It had the XXXX XXXX and was spinning constantly. I tried a few more times and somebody came by to " help me '' with the ATM. I found it bizarre, but he just seemed drunk and helpful. I shrugged him off and told him I had it. 

Unfortunately, no money ever came out and I just left. Somewhere along the way I must have dropped my card because when I awoke the next morning and my bank was negative XXXX. I don't know if the man who " tried to help '' stole my card and saw my pin number, but I do know what the charges were : -a {$10.00} deli charge - {$100.00} to XXXX XXXX two large ATM WithDrawls {$200.00} and {$800.00}, plus a bunch of balance inquiries at XXXX, with one of them in an entirely different borough! 

I called TD and they cancelled my card, but said I would have to wait for the charges to clear to file a claim. The next Tuesday ( XX/XX/XXXX ), I was finally able to file the claim. I never heard back from my bank -- for an entire week. I reached out today and they replied that they couldn't prove that it wasn't me. 

I am stupid, I know for dropping my card, but my bank clearly hasn't looked into the ATM security footage or any other point of an investigation. I have lost all faith in them and I don't want to stay there any longer, but not until they sort this out.
Product: Debt collection

I have an account in collections on my credit report and the debt is not mine. I contacted this company to resolve the issue but im told to take it up with the credit bureau. I was never contacted by mail or telephone prior to them reporting the debt to the credit bureau. I tried to send a certified letter of validation of this debt to the address listed on my credit report but the letter was undelivered according to the post office.I tried several times to get this issue resolved but no one that i speak with seem to want to help me. I found out that the debt belongs to my daughter who is an adult and at that point i was told that this debt is a mistake. I dont believe its a mistake because there is no account to be found under my name. The way that this company finds me is under my daughter name which they have listed as the account primary holder. They clearly got the invoice from the original creditor with the person that need be pursued. I have a copy of the exact invoice and my name appears no where. I believe the went beyond the scope of the invoice to implicate me and thats not legal either. Even if it was a common mistake they should be more willing than they are to resolve the issue. I feel that this company needs to be reported. I attempted to resolve this matter several times and im still getting no where.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I made an On-Line withdrawal from my Home Equity Line of Credit that Huntington Bank did not process. I followed up with Huntington at the branch ( after I was unsuccessful with Huntington Customer Service a several levels to resolve the error ) where another transfer was made by the branch personnel. The original on-line request still appears in the Transactions Pending and has not been cleared and can not be canceled by my action or by Huntington.

After the second withdrawal, the amount appeared in the transferred to Huntington checking account on XX/XX/2024. 
On XX/XX/2024 I initiated a Transfer from the Huntington Checking to a XXXX Checking account. The amount was debited from the Huntington checking account on XX/XX/2024 but has not been deposited to the XXXX Checking account as of XX/XX/2024. 
It is troubling that the Huntington has debited the funds and has not completed the transfer on a timely basis. 
I am well aware that it is practical for funds to be transferred in real time. When transferring funds from XXXX XXXX  accounts to the Huntington Bank accounts, these happen in real time ( immediately ). 
It appears that the Huntington is deliberately withholding the transfer of funds for their profit. 
My complaint is, that this withholding of funds for several days places an undue burden and cost on consumers. in order to access Home Equity Line of Credit funds from my Huntington account, I have to begin the process more than a week in advance ; thereby costing additional interest accumulated on the Home Equity Loan.

Additionally, not having access to the funds where and when needed may cause additional charges to the consumer. 
I believe that the Huntington Bank is negligent and deceitful in holding consumers money by unduly delaying funds transfers between banking institutions for their profit. 

I would ask that rules for transfer be created so the bank-to-bank transfer of funds occur in real-time ( immediately ).
Product: Credit reporting or other personal consumer reports

On or around XX/XX/2024, I visited the XXXX XXXX website looking for a consolidation loan. This led me to a series of loan options from One Main Financial, which were high-interest but did not appear to be title loans. I had no intention of using my car title for a loan.

I began an online application with One main Financial but decided not to complete it once I realized the distinction between title loans and standard loans was unclear. The next day, I received at least two phone calls from One Main Financial. They were asking me to finish my application. During these calls, I told them that I was not interested in a title loan and made it clear that I was okay with my application remaining incomplete.
Despite this, a hard inquiry appeared on all my credit reports, which I did not authorize. I suspect that someone from the company may have submitted my application without my permission and then denied it, as I had never completed the process myself. This raises concerns about their sales tactics.

Additionally, I believe One Main Financial used misleading tactics by not clearly labeling their loans as title loans, tricking customers into applying for
something they may not want.
Product: Debt collection

The collection agency is Midland Funding LLC The said the credit card is XXXX XXXX XXXX The amount ( XXXX the office lawyer is XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

I received my fax refund check from the IRS and deposited it into my US Bank account promptly. US Bank placed an extended hold on the funds from my check. Several days after depositing the check into my account I decided to use the XXXX feature from inside my US Bank account mobile app. I tried to send my brother {$2000.00} as a wedding gift, as he was just married. US Bank prevented the transaction, after which US Bank disabled my access to my online banking and froze my account. I contacted the fraud department and confirmed the recent activity as legitimate, however the representative stated that the account would remain frozen as it is pending closure due to suspicious activity. Obviously since I just confirmed the activity as legitimate the activity is not suspicious, US Bank is attempting to without my money from me as it has placed an extended hold on the funds and froze the account, the funds will clear and post as they were intended to on XX/XX/2022, however I will not have access to them because the bank has taken the actions that it has. This has caused me extreme financial hardship as I do not have access to my money.
Product: Debt collection

Spring oak capital : XXXX XXXX is trying to suit me I was notified by a different lawyer in XXXX about the lawsuit against me havent got anything from the courthouse balance XXXX XX/XX/XXXX I when I heard about it. Due to me being in an auto accident in XXXX XXXX I was thinking I was able to go back to work in XXXX of XXXX so I opened up a line of credit with XXXX XXXX and I was paying on my account until XXXX XXXX when I had no more money I was off of work for 2 years because of the XXXX XXXXXXXX  I just went back to work XX/XX/XXXX for the Department of treasury I need help Im trying to get things back on track and my grandmother passed of XX/XX/XXXX of XXXX as well it hasnt been easy
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent XXXX, XXXX  and Transunion SEVERAL LETTER trying to resolve this matter. In XXXX, i sent letters asking each individual credit reporting agency to verify the bankruptcy they are reporting on my credit report. Transunion has deleted the unverifable bankruptcy from my credit report, However there are several accounts that i have disputed and they are CONTINUING to report INACCURATELY information on my credit report. I have sent several letters back to back and they are not coroporating. 

XXXX  and XXXX  are also reporting inaccurate information on my credit report, and are refusing to ccomply with my disputes. Furthermore BOTH XXXX   and XXXX  are claiming that they verified the bankruptcy from XXXX XXXX, attached below you will find where XXXX  XXXX has DELETED the information due to it being unverifable. However XXXX  and XXXX  who claimed they got their information from XXXX XXXX has refused to remove the inacurrate information and its been 6 whole months since i sent them PROOF to have the information deleted. 


I have found an FCRA Attorney from XXXX and XXXX XXXX and they have informed me that i can sue TRANSUNION, XXXX  and XXXX  for inaccurate reporting and defamation of character.