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 Bum. 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 XXXX XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. the XXXX bureaus must validate this reporting account. It is not permissible to fail to validate this reporting account as unverified information without providing proof My credit report includes the following erroneous account that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$37.00}
Product: Money transfer, virtual currency, or money service

Personal info compromised company do not have live agents to help
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX account ending in XXXX is reporting 120 days late every single month, however I have a payment arrangement with this company and have made all payments on time. The payment amounts that I have made to this account are also reporting inaccurately on my report. They have also included comments on the report stating 180 days past due. Since the date of the start of the payment arrangement, this account has been paid on time, however each month it is being reported 120 - 180 days late every single month. It goes from 120 to 150 to 180, back to 120 then repeats the cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updated credit file, incorrect information were found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX {$3100.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Checking or savings account

Ive had a bank account with them for about two months and every single time I call in I have to visit a branch because they cant send a code to my phone number and every time I call through the app XXXX doesnt verify me. Im logged into the Bank of America app and every time they try to send a notification I keep telling them theres a technical problem on there and Im not receiving the notification. They just dont care. I have to go into a branch for the simplest things every single time I need help with my account and Im so over it to anyone who wants a Bank of America account. Please go after a different bank give your money to a different bank. The representatives are helpless. Everyone at this bank are so useless. Please just get a bank that actually cares about you. This bank does not care because it wouldve been fixed a long time ago. I went in a month ago, sat down with the banker to verify all my information to avoid all this and it is still happening. Avoid Bank of America at all cost.
Product: Credit reporting or other personal consumer reports

I have advised Experian that I am a victim of identity theft and provided all the necessary documents & they have responded that my attempt to block these fraudulent accounts from my credit file was not granted because I received goods!! I have never received anything from any of these reports companies! Experian please provide me with proof where I received good from these companies!!! I have even provided proof from the company affirm reporting on my credit profile which lets me know that Experian is not doing a proper investigation. You are currently violating my rights. This will be my last and final attempt to remove these fraudulent accounts that was opened without my knowledge or permission. My next step will be legal action against you!!
Product: Debt collection

On XX/XX/2020, I received a collection letter from XXXX XXXX  XXXX XXXX, d.b.a. Speedy Cash. I have never done business with a company of either name. That same day, I responded to them in writing disputing the debt. In my dispute letter, I explained I had never done business with them and requested evidence that I was the debtor. 

In response, I received a copy of an unsigned credit application. I did not receive any evidence that I was the borrower. The company claimed their investigation showed I was the borrower. It is exceedingly clear they failed to conduct as reasonable investigation as required by the Fair Credit Reporting Act, and that they have not met their legal obligation to provide evidence that I owe the debt they are attempting to collect. 

As the victim of identity theft, I am appalled by their callous disregard for the law. Based on my experience and their lack of evidence, I suspect this firm routinely violated anti-money laundering requirements to " Know Your Customer. ''
Product: Checking or savings account

On XX/XX/XXXX, l received the amount XXXX but my account is frozen and l can not use my money in my account. l already provided the sender information such as the name and phone number for Bank of America to verify my funds. l need to use the fund because my house is foreclosure. 
If my house is sold, BOA must be responsible for it.
Product: Checking or savings account

I realized my CD was automatically renewed at 0.05 % and called to have the money withdrawn, account closed and I would pay the fees for the closure I was told that I could not do any of this by phone or online and would need to make a personal visit.

the nearest bank is over 30 minute drive for me and I am not able to make a personal visit at this time and feel they are holding my money and limiting my access unnecessarily finally they offered to let me fax a request- if its notiarized and I suspect of the the entire process and bank at this point
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX  Account name : XXXX 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 a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

During Last summer XXXX XXXX My daughter was taken to the emergency room at XXXX TN XXXX XXXX XXXX. My daughter resided in XXXX with her mom and her insurance provider is from Indiana. We provide insurance information and we have never received any claim in which the file were refused or unpaid by the insurance. They insist in making us paid for a claim that was never failed with the insurance. <P/>Now they hired Capio Partners LLC out of XXXX TX to attempt to collect the debt and threating with the possibility to be turn over for collection.
Product: Payday loan, title loan, or personal loan

An inquiry was made to my consumer report on XX/XX/2022 as a result of identity theft. I did not apply for credit with OneMain. I have attached my W2, utility bill, and identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was laid off from work and later following after finally landing a somewhat stable job, Covid-19 happened. My Account XXXX, Dates XX/XX/XXXX until XX/XX/XXXX creating the biggest financial hole. I CONTACTED DISCOVER 2 times to let them know my situation and how i been financially injured.I ask for help but was rejected when i contacted and also sent a letter as i am being denied because of these remarks on my credit.I am writing the complaint as XXXX XXXX XXXX and DISCOVER has refused to remove and account that has been clearly has had previous history of good payment history. I did not receive my unemployment until 7 months later when XXXX XXXX when COVID started.
Product: Checking or savings account

My account was garnished without any due diligence. I just had whole life money transferred into the account to pay my mortgage and they garnished with no warning. Wrongfully garnished because I was never served and never even knew about it. When my accounts all went to {$0.00} in the middle of the day I called Bank of America. I was told they know nothing they do what they are told and to call the lawyer who authorized the garnishment. They took from 3 accounts one was my daughters that we opened for her when she was approx XXXX yrs old so I had to be in it
Product: Checking or savings account

On XX/XX/2022 I sent a wire transfer to XXXX XXXX, with XXXX XXXX XXXX, in the amount of {$1500.00} 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 I sent pictures to the supplier and requested a return and exchange or refund, which both were denied. I continued to plead with the supplier for months to accept a return or exchange, with no luck. Finally in XX/XX/2022 I disputed the charge with Capital One Bank. After less than 24 hours Capital One denied the dispute with the response : we looked into this, and our research show the payment was processed according to your payment instructions. I never argued that I did not authorize the payment. I argued that I received good that were not usable. This is evidence that they, in fact, did not research my claims, or even reach out to the merchant. 

After to luck with the supplier, or Capital One, I reached out to XXXX, XXXX on XX/XX/2022. XXXX is the service that I used to transfer the funds to the supplier. XXXX advised me to file a police report and take up the matters with my local police department. 

I am at a loss here and I am unsure how to retrieve my funds or actual retainable good. I operate a small business that can to afford to take a loss. 

I will attach photos of all communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are so many questions that are popping on my mind now. Like why are you doing this kind of thing to people appealing to your company? Oh! I forgot! YOU HAVE DONE NOTHING! You there at Experian are really hilarious. The other bureaus have already deleted the account below but you still managed to report this fraudulent information on my file. So hows that?! THIS IS NOT ROCKET SCIENCE YOU KNOW? Now, I am sending my dispute letters again along with my FTC report. I dont know if youll be doing it right this time but let me tell you that you are allowing slander on my credit report! So follow the law under FCRA DELETE this item now! 

XXXX XXXX XXXX
Product: Debt collection

XXXX / XXXX /  XXXX   I was called by a  XXXX   XXXX  from  Coastal Financial Solutions . I was informed that he was an attorney and if I did not set up payment arrangements with him that I would have fraud charges filed against me. This happened before, but it was a woman. I set up arrangements to stop her from calling then i canceled my debit card so they could n't take money out of my account. This time  XXXX   XXXX  was forceful and used many scare tactics to get me to give my information. I called my daughter and she called him back to get more information. He said that he did not state he was an attorney, nor did he admit to saying they were going to file fraud charges against me. When she asked him for more information and offered a payment of {$10.00} per check instead of the original {$40.00}, he refused and stated he would n't change the payment that was already arranged. I asked for a letter stating his refusal to accept the lower payment and he said " are you going to make the payment or not? If not I am pursuing legal actions against you. '' After that he proceeded to ask my daughter " why wont you help her make these payments '' once she got upset about that statement and told him not to talk to her that way he hung up on her. I have never even received a letter from them. Also, he called me 3 times at my job between   XXXX   XXXX   after I have told them in the past to never call me at my job.
Product: Vehicle loan or lease

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain Better credit
Product: Credit card or prepaid card

I told XXXX XXXX I was having financial issues but I will be able to pay a large sum in a few months. I am waiting for a house to sell. They closed the account with no written warning.
Product: Credit card or prepaid card

I work a XXXX job and it requires me to travel 80+ miles a day. I work Mon-Friday XXXX - XXXX. I lost my wallet with my ID, cash and my XXXX Capital one credit card was used fraudulently. This happened twice the first time it was for the amount of {$1900.00} the second time it was for {$1700.00}. I noticed the charged on my transaction list both times and reported them both times. However after a month and a few weeks I check online and seen that they reversed both credits back unto my account and I was totally shocked I was being charged for Two transactions that were made fraudulently. I then received information via mail stating I benefited from these transactions which is completely false.
Product: Debt collection

Sent dispute audits on XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX company did not provide what was asked for and repeatedly sent stall tactic letters as responses of collection company verifying account without verification or validation being provided. collection company still in this over a year of attempting to resolve directly, has not provided what is needed to continue to actively report. credit reporting agency did not receive any true validation or copy of such.
Product: Payday loan, title loan, or personal loan

Please see all attachments listed from : XXXX, XXXX, XXXX XXXX, XXXX Concerning XXXX XXXX, on XX/XX/2021 their staff management was extremely bias to me as a consumer, because I which to speak to their fraud / compliance dept. in respect to the unscrupulous & fraudulent sale tactics of XXXX XXXX ... 
See attachment : A1 - page 4 of 8
Product: Checking or savings account

I submitted a dispute to Chase Bank regarding an ACH transaction processed on XX/XX/year>, in the amount of {$100.00}. This transaction was unauthorized and does not meet the terms of my authorization, as the services or goods were not received. I requested an investigation under Regulation XXXX and confirmation of any provisional credit applied to my account, as required by law. However, Chase denied my dispute without conducting a proper investigation and directed me to resolve the issue with the merchant, contrary to their obligations under Regulation XXXX. 

I believe Chase failed to fulfill their responsibilities under federal law to investigate the disputed transaction and issue provisional credit while the investigation was ongoing. I am seeking assistance from the CFPB to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX
Product: Credit reporting

Today I was forced to purchase a report from experian in order to be able to dispute some accounts on my report. 
after obtaining the report that came with no number, I called the phone number on the report. 
after almost 20 minutes on hold, I was able to speak to a live person and was told that dispute department has shorter hours and I have to call back on Monday. 
The accounts being disputed has been removed from other reporting agencies, so far Experian refusing to remove them, based on dispute I submitted 4 months ago.
Product: Checking or savings account

I got a call from Citzens bank and it was a scam and they used XXXX XXXX to pishing money but my account was fine before this
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Experian. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX and my is DOB XX/XX/XXXX. I have attached my bank SS Card and DL for proof of ID
Product: Mortgage

My loan was sold in XXXX since then I've been paying the new company as I did the old with my checking account. Well, on XX/XX/XXXX, the loan is due on the XX/XX/XXXX, the bank sent a check paid to the old company. By the time I found out I was charged a late payment fee of {$98.00}. I called on the phone & got their investigation report saying the mortgage company is the one to remove the late fee. I visited a branch & the employee put the blame squarely on me & that citibank has nothing to do with sending a check. Though it's a citibank check.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote to XXXX to dispute an inaccurate entry on my credit report in regards to two XXXX XXXX credit card accounts. My credit report showed that I was late on my XXXX XXXX XXXXt card accounts on the following dates : Account # : XXXX ... .. ( XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX Account # : XXXX .... ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX. I spoke with a XXXX XXXX representative in XXXX of XXXX. She verified that I was never late on both of my accounts and that it was a mistake. She also stated that XXXX XXXX will report both accounts as current and never late. I also received a letter from XXXX XXXX stating that XXXX XXXX finished their investigation and their research found that all payments are current and never late. They also stated that they will update my account with all three credit reporting agencies. However in reviewing all of my credits reports from all three credit reporting agencies, Transunion, XXXX and XXXX both my XXXX XXXX accounts still showed me as being late on the dates listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 XXXXXXXX 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