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

There are XXXX collections on my credit report that were previously deleted with XXXX XXXX XXXX  and now they appeared again. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Both of these collection accounts were already deleted per the Fair Credit REporting Act and Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is my name social security number XXXX please have experian up date my current address on my credit report to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ny XXXX my address is not showing up on my credit report.
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 XXXX 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 XXXX 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 XXXX 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 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 XXXXThis 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 XXXXdays 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 XXXX 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 homeless XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE
Product: Credit reporting

I have an account that shows up on my Trans union credit report from XXXX XXXX XXXX for {$67.00}. This account was paid in full last year. I have tried numerous times to tell the collections agency to correct their error and they keep saying that they have. Nothing has been done to recitfy it. I have paid this account in full and with interest. Attached document is a letter from the collections agency showing that my account has been closed. Please have this updated and removed from my credit report. Thanks. XXXX. XXXX
Product: Credit reporting 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. Account name : CITIZENS BANK XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUD/IDENTITY THEFT WHICH HAS ALREADY BEEN REPORTED. I do NOT recognize these inquiries : XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  I Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In Addition to the accounts and hard inquiries on the Identity Theft Report. I will like to add the following fraudulent account reporting on all three credit bureaus ( XXXX, XXXX, EXPERIAN ). Last the ONLY mailing address that should be on my credit report is XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX, all others are not mine. 15 USC 1681 XXXX XXXX Account # XXXX Amount {$7000.00}
Product: Debt collection

In XX/XX/XXXX I received an alert on my credit report stating XXXX XXXX is trying to collect on a false debt opened in XX/XX/XXXX in my name I've never received any validation of the debt any proof or any correspondence with the company other than writing the XXXX and the company stating the debt is valid I have no proof or paperwork from them stating that I have no business with XXXX XXXX XXXX or XXXX XXXX this is fraudulent and illegal.
Product: Debt collection

An account with XXXX was opened fraudulently using my name and social security. This is the 2nd time that my information has been used fraudulently by this person. First with XXXX and now with XXXX. As a California resident I am entitled to the original documents that were used to obtain this account ( XXXX ). I called XXXX and spoke to XXXX on XX/XX/2017 from the fraud department, who said since he was in Colorado that request was invalid. I advised him I was in California and do have the right to make that request. I was looking to send the request in writing. But XXXX refused to provide me an address. I requested to speak to a manager. After waiting 20 minutes i was transfered to a voicemail. I feel that my rights have been violated. I am planning to go to the media with this breach of rights. 

The fraud activity was noticed in my XXXX credit report.
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 XXXXXXXX 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.
Product: Credit reporting

Mailed a dispute to equifax n XXXX received notice today that they were not going to do a reinvestigation due to I have not provided any relevant new information to warrant them to do a reinvestigation. However in the letter I sent to equifax I pointed out there are several social security numbers showing on m y credit report, that donot belong to me. The accounts that I disputed are not related to my social security number : XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy XXXX bankruptcy XXXX bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Recently went to a car dealership and only authorized an inquiry for XXXX however the dealership ran my social across many companies and that has tremendously affected my credit score these are the unauthorized Inquiries XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX 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
Product: Credit reporting

They have not corrected my personal info after many attempts by me via Fax and mail.
Product: Credit reporting

I had an account with XXXX XXXX Bank in 2006 and they changed the company to XXXX XXXX XXXX. I paid the account several years ago and I recently received a settled in full letter from them the only issue I have is that its still reporting on my credit report only under Experian, it is not reporting under XXXX or XXXX. I would like it to be off of Experian as well so I called the original company however they said that the account is no longer with them so I called XXXX XXXX they sent me settled in full letter however I asked if the account can be taken off of Experian because it is off on XXXX and XXXX however both creditors send me back to the other and XXXX said they do n't know if anything can be done however I feel if its off the other credit unions why is n't if off of Experian, its an old settled in full account if they cant delete like the others then a minimal explanation like paid in full would be more helpful then negative comments. I hope your office can help me.
Product: Mortgage

Our mortgage was transferred to Truist on XX/XX/2022, with our first mortgage payment being due on XX/XX/2022. At the time our mortgage transferred, we had money in our escrow account to cover the quarterly property tax bill, due XX/XX/2022. Before our first mortgage payment, we called Truist to ensure that the tax bill would be paid out of our escrow account on or before its due date ( XX/XX/2022 ) and we were assured that it would be paid. It was never paid. 

On XX/XX/2022, we received a demand notice from our city for our now delinquent property tax payment due XX/XX/2022, with interest accruing daily and a late fee. We called Truist immediately on XX/XX/XXXX to sort it out, spoke with no fewer than 5 different people and 3 different wholly inoperative machines who were incapable of giving us a direct answer. To be specific, the machines were unable to accept any input, i.e., it would repeatedly ask to enter the account number and then would be unable to read the account number input on the keyboard -- this resulted in hearing a continuous unhelpful loop with no potential to speak with a person or even machine that could help. Further, there were two instances where they transferred us to completely wrong numbers. In other words, they were trying to push us off the phone as they were unable to give us a straight answer or any answer at all. 

We have the money in our escrow account to cover the property tax bill and they told us after we were finally able to speak with someone who knew what was going on that ( 1 ) they did not know taxes were due quarterly in our state, ( 2 ) they would open an investigation as to why they failed to pay them and ( 3 ) to call back on XX/XX/XXXX -- 10 days after the demand bill is due and a month and a half after it was supposed to be paid -- to see if they are able to pay it, but that we could also call next week to speak with someone in their tax department. We then called on XX/XX/2022, and they again provided no information. They said they were unsure what happened and would investigate but not that they would pay our taxes out of our escrow account by the due date. Finally, they communicated to us that their mortgage department and tax department are separate and that while they have the information about our loan in their system, they never took the steps to set up the tax payment that they were required to. Our money to pay these taxes is sitting in their wallets and they will not allocate it to our property tax bill. We are now facing the city putting a tax lien on our property and a mortgage servicer who does not even understand the basics of our mortgage. Truist has effectively stolen our money.
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>/2024, I visited XXXX. I was asked to REPORT the inaccurate delinquent mark on my report to ALL CREDIT BUREAUS, and they would notify each bureau that this account is NOT LATE.
Product: Checking or savings account

- Made payment to XXXX on XX/XX/2023 for using their movers+packers services through Chase Bank XXXX XXXX XXXX transferred $ XXXX $ XXXX {$400.00} which was successful but I got a call back after XXXX mins that this account is unrecognizable so mobile transactions through app will be blocked. 
- I called bank on next working day and my mobile account transactions were restored. 
- Between XX/XX/XXXX my account was debited for {$1100.00} towrads Siyung account without my acknowledgment of that payment. 
- On XX/XX/XXXX I filed a claim calling Chase customer care and they asked me to - change password on on both mobile and web transactions and sign in again and my account was temporarily paid {$1100.00} claim. 
- Later in a weeks around XX/XX/XXXX my account was again debited with {$1100.00} - When I reached to Chase bank office on XX/XX/2023, I was mistreated by heir staff, yelled at by their Banker and humiliated by their employees as accordign to them they couldnt do anything about it. They called police and asked me to close to bank account with them which I happily did to avoid any future threat to my money or myself. In front of the police, they obliged to pay me all the amount I had in my account via cash ; however I was all the data on my app was changed so I couldt take any screenshots. Though I still have proofs. 

I am a single mom of XXXX minor kids and my bank funds are our sole means for livelihood and the way I have been threatened by bankers has put me into tremendous fears for myself and my kids
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XXXX XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX record XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$450.00} written off. 
XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$12000.00} XXXX Account charged off. {$19000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$23000.00} written off. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX type XXXX complex XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Resident XXXX Single XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident XXXX XXXX family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single XXXX
Product: Checking or savings account

I opened a new checking account at US Bank during XXXX to take advantage of a bonus incentive for opening a new account with the requisite amount of direct deposits. I immediately funded my account with {$25.00} sent through XXXX from my other bank account with XXXX. 

I changed my direct deposit instructions with my employer, who sent me a paycheck overnight in order for me to deposit, and therefore, verify the destination for the new direct deposit instructions. The check was deposited via US Bank 's mobile banking application on XXXX. I was then informed the funds will be on hold for seven business days. As a result of there being four weekends and a bank holiday, I have been without money for days, and I will not have any money for another week. Further, US Bank is verifying a check from a XXXX XXXX business account, and though XXXX, which is one of the largest human resources providers in the world. 

To ameliorate the situation, I spoke with a customer service agent thought their chat function on their website. I asked why they chose seven business days, when their disclosure documents claims funds can take between five to seven business days to verify. Moreover, US Bank publicly discloses that {$250.00} should be immediately available upon deposit, but they do not clarify the conditions to have this amount available immediately. The response from the agent was that I should read the fine print in their agreement documents, and there was no offer of relief nor even compassion for the situation I am currently facing. The agent directed me to speak with colleague whom they claimed was in the department that makes the decisions that prevent me from accessing my own money. That colleague claimed to be in their fraud department, and they have no responsibility for reviewing such matters. They then laughed when I said I have no money to buy food to eat. 

Currently, I have no money and I have not eaten in two days. I can not buy food or gas. I have no friends or family who can assist me, and I am afraid that I will not have anything to eat for another few more days. Luckily, I have water. I have missed four credit card payments. Additionally, my student loan servicer withdrew my monthly payment, which my bank has imposed a overdraft fee. 

This writer also claimed, both verbally and in writing, that I am levying an official complaint. There has been no response from US Bank, while I am not confident they have reported the explicit complaint to the CFPB, nor initiated the actions required by a regulated financial institution regarding customer complaints.
Product: Credit card or prepaid card

I had XXXX XXXX at XXXX XXXX  for my nephew XXXX XXXX Three days service XXXX  was exactly the same in all aspects Room Charge for Day 1, XXXX XXXX Day 2, XXXX Day 3, XXXX XXXX XXXX Thus I am due for refund  XXXX for Day 1 room overcharge Medical Supplies : Day 1, XXXX Day 2, XXXX Day 3 XXXX, thus I was overcharged XXXX XXXX for 2 days equal to XXXX XXXX Total credit due is XXXX plus XXXX XXXX which equals XXXX
Product: Consumer Loan

sent payment via XXXX ( sending copies ) XXXX over amount payment cleared XXXX on XX/XX/XXXX 
got e-mail XXXX/XXXX/2016 XXXX p.m. stating payment late. 
contacted cust. service. no help. re called asked for super. refused to help. 
they do this frequently XXXX reference XXXX pos XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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.