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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX 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 XXXX rept but they refused they had me on mute for XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX 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 XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Debt collection

I just received notification that this account was added to my credit report. I did not receive a dunning letter. According to my credit report, the account was opened in XX/XX/2019 and first reported XX/XX/2019.
Product: Debt collection

Based on information and belief, the alleged debt listed with Nationwide Recovery Services is not mine. I have continued to request for validation and verification of this alleged debt but to no avail. I am on XXXX years of age, and have submitted my disputes to the credit bureaus but they are still reporting on my XXXX report. Please stop these people from contacting me and my job
Product: Debt collection

See also Complaint XXXX, against XXXX XXXX XXXX. This complaint is against law firm representing them. 
Currently engaged as Pro Se Defendant in lawsuit w/ XXXX , XXXX XXXX District Court , XXXX , Arkansas division Case No XXXX. See attached items. 
Plaintiff 's counsel is in clear violation of XXXX of Consent Order XXXX-CFPB, which is specifically applicable to Respondent 's attorneys and representatives. 
Bill of Sale presented by Plaintiff, via their counsel, as evidence in this matter contains no reference to the Defendant, any personal information pertaining to the Defendant, nor the alleged account number or particular Debt being collected on, at issue in this action, nor is there " exhibit attached to each bill of sale or other document transferring ownership of the Debt that is represented or warranted by a Seller to be a list all Debts acquired in that Portfolio. '' There is only a separate XXXX column printout page which does not meet the requirements of Order, and has no notation, header, footer or other identifying characteristic back to bill of sale.Although I requested adequate proof of ownership in Discovery via Request for Production of Documents, Plaintiff 's counsel objected to request as irrelevant. 
Also, Plaintiff 's counsel is in violation of XXXX of Consent Order, there is no direct reference in the original Complaint Affidavit nor Trial Affidavits as to the definitions of what or which documents the Affidavits to be " personally acquainted with the facts stated herein. '' Trial is iset for XXXX. Plaintiff 's Counsel 's XXXX responses indicate no further documentation to be provided nor witnesses to be called, depriving me of opportunity to cross-examine affiants, No affidavits filed from alleged original creditor. 
This indicates a continued effort to litigate and collect on a debt which can not be properly proven, and a lack of appropriate documentation which, per Consent Order, must be in hand before filing suit.
Product: Student loan

shows open status, but consolidated and closed. Please update, and inform credit reports
Product: Vehicle loan or lease

I paid off a loan I had with Credit Acceptance over a month ago at the end XXXX. As of XX/XX/XXXX I still have not received the title or the {$40.00} refund for over payment. They claimed they sent it to me over 2 weeks ago along a check. Their response to my numerous calls was to keep waiting, which I did, even though I had already sold the car to someone else. I spoke with XXXX and she stated that I could pay for a duplicate title which I stated I didnt lose the title, they did, and should have to pay. There was no tracking number for what they allegedly sent. I need this to be resolved ASAP.
Product: Debt collection

the United Financial Services sent me a mail says I owe a debt of XXXX to XXXX with another guy name XXXX XXXX. I never rent apartment recently and never been to California because I have been living on a XXXX for a while since I joined XXXX and stationed at XXXX XXXX. I will report to police station for personal identity stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenge the accuracy and compliance of this listing. I requested that the reporting company provide me with any relevant information and supporting documentation on the following account XXXX/XXXX   XXXX - student loan is in deferment status, it is not aid late. None of them responded in detail, all they send me a is a computer generated paper saying the accounts are correctly verified.. I have provided explicit documentation that proves the inaccuracy, yet bureaus continue to report incorrect information. CFPB remove this error and fix my accounts
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX - XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date fraud began : XX/XX/2024 Date that I discovered it : Total fraudulent amount : {$200.00} XXXX XXXX BANK Date fraud began : XX/XX/2024 Date that I discovered it : Total fraudulent amount : {$500.00} XXXX, XXXX XXXX XXXX a victim of identity theft I have never applied for any loan with XXXX XXXX or XXXX XXXX. I did not apply for any accounts with XXXX XXXX BANK. These are fraudulent accounts and the inquires from XXXX, XXXX XXXX NA AND XXXX are fraudulent as well and I have never applied for them. I never lived at XXXX XXXX XXXX XXXX, GA and I never lived at XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. I never applied for XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is effecting my financial livelihood and preventing me from having financial stability. These fraudulent accounts listed and inquires needs to be removed from any and all credit reporting agencies who is reporting these fraudulent accounts on my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply for any loan with this company. This was illegally done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion several times in regard to this matter, that being XXXX XXXX XXXX demanding debt validation. They continue send me letters stating it has been verified without providing me proof i.e., a document bearing my signature entering into any agreement with XXXX XXXX XXXX. I am only asking them to do what is required under the Fair Credit Reporting Act, that they provide a document bearing my signature wherein I have agreed to do business with XXXX XXXX XXXX.
Product: Credit card or prepaid card

Just horrendous customer service from my NFL Visa Credit Card. First the bank was XXXX and now it's Comenity. The bank change occured in XXXX or XX/XX/2022, the transition wasn't smooth. I just had a question on an XXXX statement but Comenity couldn't access it. So now I have XXXX on the line and their customer service can't help me. They said call back on Monday for the XXXX credit card department. I was told the credit card department can view my actual statement... not customer service. Back in XXXX prior to the change to Comenity, XXXX customer service was horrible then. I had to call three times to get a problem fixed. Spent at least an hour of my time. They charged me interest when it should've been zero interest for 6 months. Then I contacted them three times via the online service ( as I dreaded calling them ) for another issue... I believe this occurred in XXXX. My statement didn't reflect the accurate balance. They cheated me out of like {$20.00}. There should be transcripts of this complaint since it was online. Then around XXXX I couldn't view my online statements for a few months so I had them mailed to me. I'm sure I have a few other complaints that I can't think of. Please help. Maybe you guys can have the NFL send out surveys to all of their credit card holders to see they're satisfaction rate.
Product: Debt collection

A company that would ONLY identify themselves as " Receivables Performance Management '' WILL NOT stop calling TWO of us in this home! They keep asking for a " XXXX '' or " XXXX '' or whoever. They have called SO many times and been SO very abusive that I would honestly like to persue criminal charges and even civil too. The abuse is UNBELIEVABLE! The two odd things are : 1 ) they have TWO of our phone numbers in the same house, asking for the same person ... both of us have explained SEVERAL times we do NOT know her! We have NO debt with them! They get VERY rude and call over and over. I told them I would report to FTC, FCC, here and State Attorney General 's Office, but they laugh and hang up. Guess what? 10 minutes later his phone rings. 30 minutes later, my phone rings. This is not only bad business practice, but this is directly harassment! They will not identify themselves beyond that " company name '', and refuse to remove our numbers. I do not know how calling over and over will help get some XXXX here. PLEASE! HELP US MAKE THEM STOP! Here is the phone number, the same number every time that they call from is : XXXX. My name is XXXX XXXX and my number is XXXX and XXXX XXXX, the other victim of repetitive calls number is XXXX. Address here is XXXX XXXX XXXX in XXXX, VA and zip is XXXX. PLEASE.. we can not deal with this. Our numbers can NOT be changed, and I can not disclose why. I apologize for that. Thank you!
Product: Debt collection

I received a collection notice from a XXXX account I never had I disputed with the collection company and they suggested I reported identity theft. I reached out to XXXX to gain info on the account. Waiting for response
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I have been working with AmeriHome Mortgage since XX/XX/2021 to figure out why my mortgage payments have been raised substantially. They told me in XXXX that my account was being investigated and that my account would not be penalized in any way in the meantime. I have another complaint about that issue with your organization that is still pending. 

This complaint is about AmeriHome continuously calling me regarding a debt collection over this mortgage. I informed both XXXX XXXX ( AVP, Customer Experience Office of the President ) and XXXX XXXX in writing about this harassing behavior. They call during work hours, they call in the early morning. They leave long rambling messages that fill up my voicemail. 

XXXX XXXX did not reply to my notification of the harassment and XXXX XXXX said there was nothing she would do to stop it. 

I have also written several times to XXXX XXXX and XXXX XXXX that I want any and all exchanges with AmeriHome to be in written form due to the lack of follow through or institutional memory on my case. 

This is harassment. I am actively working with this company and have pursued relentlessly getting answers regarding my case. All delays have been from the side of AmeriHome. They are threatening my credit score and my home. This predatory and harassing behavior needs to stop.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting XXXX XXXX XXXX account number XXXX XXXX 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 card or prepaid card

I have disputed the charge {$250.00} ( XXXX XXXX ) on XX/XX/2018. 
The amount {$250.00} had been credited on my account when I called Capital One customer services. 
It is a temporary credit while they were investigating my dispute charge. 

I have received a letter from Capital One and needed to send it to them with the documentation which shows the amount {$250.00} needs to be returned. I did send it to them without documentation. 

I had explained to them ( Capital One ) I don't have any documentation from XXXX. My ex-husband had spoken with their customer services. As per they said, the remaining balance which will be approximately {$250.00} will be credited on my account in 7-10 days after making the payment. The credit was not refunded from XXXX XXXX so I had called to Capital One to dispute this charge and explained to them all what I have. 

However, Capital One didn't do their job for their customer instead of resolving the issue. The temporary credit {$250.00} has been charge from Capital One. The reason they took {$250.00} was I didn't submit the document what tation they need. 

However, I have already explained to them but they have denied and rejected to resolve the issue what I have. 

If I have all documentation from XXXX, I wouldn't even call them to help and dispute the charge. I am not satisfied their services and whatever they have done was not properly for their customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$8000.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Product: Credit card or prepaid card

The Discover Credit Card and Discover Bank referred my already closed account ending XXXX to the XXXX XXXX  XXXX, XXXX. ( collection agency ) at XXXX, WA to file the lawsuit against me with the XXXX County District Court. The account was closed on XX/XX/2019 and I also received the refund check # XXXX in the amount of {$0.00} on that day, which I did not cash it. Discover Card, XXXX XXXX, XXXX XXXX XXXX, Utah XXXX, and Discover Bank, XXXX XXXX, Delaware who issued the refund check. It is against the law for the Discover Credit Card and Discover Bank to pursue a lawsuit against me after my account had already been closed. They have violated the Consumer Protection Act and the Fair Debt Collection Protection Act. Please investigate and then let me know. I would appreciate your assistance and emotional support. Thank you, XXXX XXXX, ( XXXX ) XXXX and you may reach me by email as well : XXXX And, the lawsuit was filed against me on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft. 
Applying for credit card or accounts, Im in aware of. 
Actions that were taken was not me. 
Hard Inquiries from numerous amount of banks. 
My credit score tremendously has went down. It needs to be disputed please. 
XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX -BARCLAYS BANK DELAWARE XXXX XXXXXXXX XXXX XXXX ( IDENTITY THEFT ) please fix!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX Inquiry : XXXX. XXXX, 2021 XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, 2021 XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, 2021 XXXX  XXXX XXXX  Inquiry : XXXX XXXX, 2021 XXXX inquiries : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

I pulled my credit report XX/XX/XXXX. I noticed an array of mistakes with Equifax, and XXXX. I began disputing accounts. Some were corrected or rightfully deleted. But there are still accounts that are not being reported properly. XXXX XXXX was never included in a bankruptcy, ever. But it is being reported on my credit report as it was. That auto loan was paid in full when I traded it in for a different vehicle in XXXX. I never missed a car payment in my life. I contact XXXXXXXX XXXX  who referred me back to Equifax and XXXX to resolve. When I called Equifax and XXXX they referred me back to XXXX. For four months Ive been trying to get this fixed, and they arent reporting correctly, which impacts my score in a negative way. XXXXXXXX XXXX was also never included in a bankruptcy. Those accounts were paid off. Both equifax and XXXX are reporting it negatively, an account from XXXX that was never included on a bankruptcy. I contacted XXXX XXXX who confirmed it was never in a bankruptcy and I was referred back to XXXX and Equifax, who again failed to resolve the issue. These are just two of many examples of errors Equifax and XXXX have made which my credit file. I want my credit file to be accurate and that is my right. I have requested validation of debt which I never received from XXXX or Equifax. I even asked XXXX XXXX written proof that it was paid and it was denied to me.
Product: Bank account or service

I have requested overdraft protection be cancelled over two months ago Wells Fargo is picking and choosing when they want to pay merchants and assessing overdraft/NSF fees to my account.
Product: Credit reporting

I have been disputing this information for the past two years and it keeps getting worse. My child was in the band when she was in middle school. I rented an instrument from XXXX back then and turned it in on time. I no longer have anything with them. I noticed on my report last year that they were saying the account was 30 days late and I disputed it, but nothing was done. I disputed it again and then they started reported it as paid as agreed and that I was paying every month. I do n't have anything from them, nor am I paying on any account. So they have it as a creditor and they also have it in my collection section showing that as a negative remark. They keep reporting this and it is impacting my credit score dramatically. They keep reporting it every single month on moth sides. I have sent a letter to XXXX and to the Credit Bureau and they continue to report it. My credit score dropped down when they added it to my current creditors as if I had credit with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX  you caused me.