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

Hi I am submitting this 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 three 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 homeless n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Checking or savings account

I opened a new account with Ally Bank on XX/XX/22. Since that time I have been unable to change my statement settings to electronic. I continue to receive an error message telling me my settings could not be saved and to try again later. 

Now more than 2 months later, this issue is still unresolved. Ally Bank refuses to assist and continues to tell me their tech team ( who they won't let me speak to ) is working on it and IF they receive anything further, they're reach out to me. 

This is absolutely unacceptable and I view mailed statements as a security issue. I do not want my statements mailed to me, I want them electronically.
Product: Debt collection

I filed a complaint regarding the contact methods and collection practices made by National Credit Adjusters on XX/XX/2018 My complaint was successfully submitted and completed. ( # XXXX ) The company responded to my complaint with a signed letter by their legal counselor stating the collection calls would CEASE and any further communications would be in WRITING BY MAIL The letter I received stated, ... In order to resolve your concerns NCA has placed your account into No Calls, Letters Only status which effectively terminates further phone communications in regards to your account. Further, NCA has placed your account into a disputed status which temporarily ceases collection activity while NCA requests the documentation from the original creditor ... 

This letter was signed XX/XX/2018 by XXXX XXXX XXXX ( XXXX ).

Within ten minutes of receiving this notice I began receiving collection calls again with the same claims, and this time I was told I was fraudulent. I informed the representative that they were unlawfully contacting me and proceeded to hang up the phone. 

Clearly NCA does NOT take this SERIOUSLY. 

I have verified ALL my current accounts both in collection and good standing on my XXXX and XXXX credit reports and NOT ONE ACCOUNT is being overseen by NCA.

My concern and wonder is how many OTHER people they are scamming out of money through harassment and unlawful debt collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove the following account from my credit report below : XXXX XXXX This account has not been validated nor has it been verified. This debt is associated with an address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL. I dont have a record of this address on my credit report and this is going against consumer law that I the consumer is protected under. 

This is in violation of 15 U.S. Code 1692g - Validation of debts
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Just find this morning XXXX XXXX inquiry was made without me known, I did authorized this inquiry, therefor I want it removed, it lower my score with XXXX by XXXX points, please removed this inquiry and I notice more inquiries that are not mine XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX I do not recognize neither and did not authorized, there for I want them removed and deleted from my XXXX and XXXX, I been working very hard to fix my credit report of all inaccuracies and unauthorized transactions, thank you this inquiries are in my XXXX and XXXX  and also XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

File two complaints with Experian XX/XX/2023 XX/XX/2023 Delivered Certified mail return recite, Experian failed to start or Investagate disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

Lenders can not access equifax report and score. Tried contacting equifax to fix problem but they insist that there is no freeze or block on their end.
Product: Debt collection

Last month, when I was trying to apply for an SBA loan, I realized that CMRE Financial Services reported a collection matter on my credit report. I contacted them and provided them with proof of payment ( cancelled checks ) of the amount XXXX XXXX XXXX XXXX XXXX billed me for ( the amount my insurance did not cover ). I made numerous calls subsequently to follow up with CMRE. Today, I called again, three times. Each phone call ended up with the employee hanging up on me when I asked them to provide proof that I in fact owe this money. Instead of agreeing to provide proof of the money they claim I owed, I was told to contact my insurance company to ask them why they did not cover the amount they claim I owed. When I tried to explain that it's not the insurance company that's trying to collect from me, and that I needed proof that I indeed owed {$1000.00} to the hospital, I was hung up on. ( I will admit that I was not patient with the first customer service representative, but I was with the second and third one, and yet they both hung up on me when I did not accept their answer that I should contact my insurance company. ) This collection matter has ruined my credit and my chances to obtain an SBA loan during these challenging times due to COVID-19, and I need to get to the bottom of this collection.
Product: Debt collection

On XX/XX/2021 Medical Data Systems Inc. started reporting I had owed XXXX XXXX XXXX XXXX XXXX {$2800.00} AND reported the exact same debt as 2 collection accounts. 

I never received a bill from XXXX XXXX XXXX XXXX, or was I aware of a bill owed them. I have sent two certified letters to Medical Data Systems Inc. requesting they verify the debt and both have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX promise to remove all past due payments. If I agreed to pay off the account, they never remove the late payments, and it is hurting my credit. 
XXXX XXXX is reporting account closed, charged off, sold to a collection agency and still reporting a past due balance which is incorrect and should be removed permanently off my record. This XXXX XXXX credit card is a XXXX credit card which I used for a XXXX By XXXX XXXX, selling it off to a collection agency violates my Hyppa rights and both synchrony bank. XXXX are in violation of my Hyppa rights. 
The company XXXX is the collections company that bought synchrony banks account and is reporting incorrect dates and amounts. I never gave them authorization to do anything. Therefore, they should be deleted off my report permanently. Thank you for your help with this situation. Hopefully we can get these inaccuracies permanently deleted off my report. Thank you.
Product: Mortgage

Escrow payment went up and I made a payment for the old amount ( accidentally ). I realized the error of my ways and paid the added escrow amount. During the time I made the XXXX payment and the XXXX for the escrow account, the bank did not apply the payment to the mortgage. I called to register a complaint about this practice and the agent put me on hold as he tried to figure out the issue, though I already explained to home what happened. Once he called someone to figure out what I explained, he tried to explain to me what happened, which was not accurate. He said they did not hold on to my payment and not apply. Then he realized the error and explained it correctly. I asked repeatedly to register my complaint and all he wanted to tell me is that is how the process works. I even said I was going to the CFPB and he still would not acknowledge filing my complaint. Throughout all of this he said if a customer makes an overpayment that they will not apply the funds to principal until a full payment is made ( principle and escrow ). Th is not acceptable for a bank to hold on to funds when they should apply to the outstanding balance. It is also not acceptable for someone to have to spend XXXX trying to log a complaint and receive push back from the telephone agent. He made a bad experience worse
Product: Credit card

On XX/XX/year>2025, I contacted Wells Fargo to report that my debit card was used in nine ( 9 ) unauthorized transactions totaling {$210.00}. A claim # XXXX was submitted, and I was issued a temporary credit while the investigation took place. 

However, on XX/XX/year>2025, I received a letter stating that my dispute was denied and that the credit would be removed from my account. I then called XXXX and spoke with a representative named XXXX, who stated that because the merchant had reported the transactions as fraudulent, Wells Fargo could not reverse the charges. 

When I requested proof of these transactions, XXXX informed me that a report would be ordered, and I would receive it in 30 days. During our conversation, she also questioned whether I had my debit card. When I clarified that I did not, she accused me of being untruthful. I found this to be highly unprofessional and offensive. 

I then requested to speak with a supervisor and was transferred to XXXX in the Resolution Department. She informed me that there was nothing further Wells Fargo could do about the reversal of the credit. However, she stated that she would send my dispute to another department, which would contact me in 30 days.
Product: Credit card

XXXX. ** Made online hostel reservation XXXX XXXX XXXX. Charged {$210.00} ( converted from XXXX ) deposit on XXXX for 5 night stay. 


2. Same date XXXX, same amount {$210.00} fraud charge I did not make. I filed a dispute with citibank shown on my XXXX XXXX XXXX I withdrew dispute for this FRAUD charge because hostel issued a refund on XXXX, XXXXXXXX XXXX {$200.00} instead of {$210.00} ok by me. 

1. ** Continued I filed a SECOND different dispute on XXXX with XXXX because the hostel cancelled my hotel reservation without my knowledge ( I think because they got the inquiry from Citi ), and said they would refund the second {$210.00}. I was supposed to receive this 2nd credit by XXXX. I NEVER RECEIVED THE CREDIT. Email from hostel says they sent it to my card. Citi HAS NEVER ACKNOWLEDGED THIS 2nd dispute in writing .XXXX  phone rep sent in explaining this is a different, 2nd dispute. I called citi again, spoke to supervisor XXXX on XXXX explaining this is not the original fraud dispute, this is the 2nd one fail to receive my deposit back. I got another letter from citi since the dispute is closed, can not re-open ( this was for the 1st dispute, not second ) CITI HAS NEVER ACKNOWLEDGED 2ND DISPUTE AND KEEPS REFERRING TO FIRST RESOLVED ONE. THEN CLOSES IT. 

I SENT IN THE EMAIL PROOF FROM THE HOSTEL MANY TIMES SHOWING I WAS OWED {$210.00} fraud plus {$210.00} for my cancelled reservation. 

I am a XXXX XXXX XXXX XXXX XXXX and asking for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately :
Product: Mortgage

My mortgage company got sold to MrCopper. I am having a hard time trying to access my accounts and pay my mortgage. I am afraid that they were not able to pay my bill and I am really worried about my escrow/taxes. 

I think the site got hacked. Please advice!
Product: Checking or savings account

Om XX/XX/2021, a duplicate cashiers check was made by XXXX XXXX XXXX cashier '' s check in the amount of {$550.00} purchased by XXXX XXXX. The number of the cashiers check is XXXX. I deposited it into XXXX Alabama XXXX bank on XX/XX/2021. It was made to me XXXX XXXX. One of the checks was cashed at WELLS FARGO bank even though it was made out to me from XXXX XXXX. I of course deposited the cashier 's check to me because it is monthly alimony My bank, XXXX, took the {$550.00} our of my account even though the cashier '' s check was made out to me because whomever cashed the cashiers check at WELLS FARGO chased the very same cashiers check number XXXX issued by XXXX XXXX at the XXXX or XXXX branch at XXXX XXXX XXXX. I have spoken to XXXX XXXX at XXXX corporate and she put a lot of work into this. I never got my {$550.00} alimony payment and my ex husband, XXXX XXXX who purchased the cashiers check XXXX, refuses to help me. Can you please help me? I am about to lose my apartment over this mix up.
Product: Checking or savings account

I have a checking with SOFI bank. I had a wire incoming deposit on XXXX XXXX XXXX On Friday I got an email that they account was frozen and to call. So I did. I gave all the information on the deposit and was told should be clear in an hour. It was not. Ive continued to call everyday and I get no where. Ive asked to talk to manger or team thats freezing account and I get no where. 

I know wire rules and the wire is legit income and its processed and not retractable. There is no reason to have account held. But Sofi doesnt care.
Product: Student loan

Hello, one of my student loans was recently sold without any day of myself to a new organization UHEAA who then notified my via email that they would need me to log in providing all of my most sensitive information to an unknown company oh, but by the way they already had all of my pertinent bank information and with complete disregard to my pre scheduled payments at my previous loan company were billing me at their discretion ( and by Bill I mean removing the monthly balance that they determined from my bank out directly on a random date. ) The lack of consent needed by the loan recipient to have such sensitive information directly transfered to another company is appalling and I am sure that the sale of my loan is to help bundle with less desirable loans to provide a marketable product that investment funds can purchase, similar to the practices that lead to the housing crisis. The lack of oversight and attention to security of personal information is quite astounding and scares me. Is there no regulation of how this information is passed? In signing up for a student loan do we give up our privacy rights and the security of our financial information for the foreseeable future? I am appalled and I urge you as a regulatory body to intervene sooner rather than later because the implications of these fast and loose processes are frightening
Product: Debt collection

This debt is not mine and this company continues to call me and harass me. The following calls from XXXX have come in at the following dates and times : XX/XX/19 XXXX XXXX  XX/XX/19 XXXX XXXX  XX/XX/19 XXXX XXXX  XX/XX/19 XXXX XXXX  XX/XX/19 XXXX XXXX  XX/XX/19 XXXX XXXX  XX/XX/19 XXXX XXXX  The call is for XXXX XXXX and they are from Commenity Bank. They have left several voicemails. I have also answered and told them that they have a wrong number. Please advise.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report XX/XX/. I saw many hard inquiries that did not have permissible purpose. I have attached evidence. 

1. The following inquiries have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax Confirmation # XXXX - I received my Equifax consumer report, and Equifax is still reporting XXXX Bankruptcy court South Carolina. I did not give Equifax, or XXXX XXXX XXXX or any of its affiliates my written permission to report this public record/Bankruptcy on my Equifax consumer report. Equifax has not shown me any proof in writing where my permission was given. To this complaint, I have attached written proof that XXXX XXXX Bankruptcy courts does not report any records to any credit reporting agencies. Not only that, I have not given them my permission, but they are also violating my privacy according to privacy act of 1974. Equifax is violating the following, 15 U.S. Code 1681b - Permissible purposes of consumer reports.. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Also, Equifax is stilling reporting XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX according to FCRA as a Federal protected consumer, Im electing to opt out of any & all authorization that I the consumer that may have given you, either in writing, unwritten or verbal or non-verbal per 15 USC 6802 & 16 CFR 313.7. This effectively immediately
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the recent Equifax credit breach. 
I have therefore already frozen my credit through all three credit reporting agencies. 
- Today ( XX/XX/XXXX ) I tried to get my free online credit reports from XXXX for 'all three ' reporting agencies. I did receive free online reports from XXXX and XXXX but ... NOT Equifax. 

XX/XX/XXXX Equifax did NOT provide my free online credit report and sent me to a page that says " Online Delivery Unavailable '', even though I had already answered a series of identifying questions correctly to Equifax online. 

I am entitled to a free annual credit report from Equifax via XXXX. 
Equifax needs to cooperate and give me my free annual credit report, it 's the LAW! 

Especially after the recent Equifax Data Breach, for obvious reasons I have absolutely no desire to Expose even MORE Personal Identification via means other than what I have already provided via XXXX. 
XXXX now has Equifax checked off as having given my my annual credit report ( EQUIFAX HAS NOT PROVIDED MY FREE CREDIT REPORT ). 

I need my credit report from Equifax, I am doing my part as a consumer to protect my information and trying to get my free report, Equifax is NOT doing their part!
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 : 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 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.