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

I just spoke with Transunion with regards to an abundant amount of Fraud/Unauthorized inquiries that I noticed on my report, from XX/XX/XXXX. On XX/XX/XXXX I went to purchase a car from XXXX XXXX in XXXX. I had a previous auto Loan with then ( XXXX XXXX supplied the loan ) for my last car. The finance manager told me he was going to compare XXXX XXXX and XXXX XXXX ( which were my last XXXX auto loan providers ). I just noticed today that my credit report showed several unauthorized Inquiries from that date. I just spoke to Transunion to get these removed and they literally are trying to send me on a wild goose chase to remove these inquiries, which obviously was a malice act by the dealership to get my autoloan approved by any and every finance company known to man " WITHOUT MY CONSENT ''. I asked them to remove the following inquiries : 1 ) XXXX XXXX XXXX, 2 ) XXXX XXXX XXXX, 3 ) XXXX XXXX, 4 ) XXXX, 5 ) XXXX XXXX ( Only XXXX XXXX inquiry should remain ) The only authorized ( valid ) inquiries on XX/XX/XXXX, were XXXX and XXXX ( yes XXXX inquiries on XX/XX/XXXX into the same company, but obviously XXXX of those inquires can stay. Please take this complaint seriously, as this has to be in some way a violation of my consumer rights, and an egregious act by a vendor. Thank you for any help you can provide in this situation, as I am simply looking to have these inquiries removed from my credit report, in as SIMPLE OF A MANNER as they were put on there without my consent. Thank you
Product: Mortgage

We closed on our home in XXXX and provided proof of insurance at that time. Loancare LLC has since sent letters requesting proof of insurance, and we have had our insurance provider provide that proof. Loancare LLC is also escrowing and paying XXXX XXXX, our current insurance provider. We confirmed today that XXXX has been paid every month since XXXX via Loancare. Loancare purchased another insurance policy in XXXX, claiming we did not have insurance and is now trying to bill us for the unnecessary insurance policy they purchased even though they pay XXXX for our insurance. Multiple calls have been placed, multiple customer service reps have claimed the issue to be resolved, yet it is not.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I wire transferred a total of {$13000.00} to who I thought was my attorney. I soon learned it was a fraudster-controlled client account with Silvergate bank in XXXX. I immediately notified my bank, XXXX XXXX to recall the wires, but Silvergate says there are no funds and they are not accepting any responsibility for the cyber attack. I have called and sent multiple emails to their Fraud department asking Silvergate bank where my funds went because my attorney did not receive anything. As we now know, it was NOT my attorney, but a client of Silvergate who posed as my attorney. Silvergate needs to accept responsibility. Nothing on the account was real except the bank name, account number and XXXX number. Everything else was false. I am out {$13000.00} because Silvergate bank which deals with XXXX companies and cyrptocurrency is allowing criminals to hide behind their cloak of protection. I am a XXXX XXXX XXXX woman who doesn't even know what XXXX and cyrptocurrency are. I would like to report Silvergate Bank with violating terms of Federal Reserve laws as well as Computer Fraud and Abuse Act. Appreciate any help you can provide, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and spoke with XXXX XXXX, I advised him of the hard inquiries on my credit report that was due to me being a victim of their misreporting inquiries. The rep stated that I was not a victim of their reporting. Therefore, he remove the inquiries. I asked him why since it was a mistake on XXXX part. He stated he can not remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is for an account I think I opened in XXXX or XXXX, I am not sure. This account became past due because I became homeless shortly after and I could not make payments at the time until my situation improved financially. My situation improved recently, so I was able to make a settlement for my past due balance. The reason why I am filing this complaint : XXXX XXXX XXXX  and Experian has this account on my credit with the address of : XXXX XXXX XXXX XXXX XXXX, WA XXXX. This is not, or never was my residence. I tried to remove it from my credit report, Experian won't allow me to because XXXX XXXX XXXX says that address was my previous residence. This is not true. That address is for a clinic that offers help for homeless people. It's not even zoned for residential use. People don't understand, homeless people need mail too! I slept in the streets, I didn't have a residence. This address is not my residence, never was. Please remove it from that account and from my credit report. I will attach documentation.
Product: Credit card or prepaid card

On XX/XX/XXXX, I spoke with a BOA representative regarding updating my bank account used to pay my BOA credit card payment. The representative informed me I could a ) make a payment for the current payment due, and b ) would manually setup a new payment account for future payments. I paid the outstanding amount due to keep my account current, and was informed the next payment would be deducted from the account we setup for the ongoing payments. Today, upon getting an email indicating my payment was never made, and receiving a {$29.00} late fee, I attempted to call BOA. I called numerous phone numbers with BOA and in each case, the automated response said they would not be answering calls at this time. I went to their twitter account, and there was no official update about the website, or any services being down. When trying to use the website, I can not update the payment profile for my account. 

I was given information by a representative that resulted in a {$29.00} fee, account suspended, credit hit, website doesnt work, and customer service wont answer any of the calls. 

This company is obviously not too being to fail because its dropped the ball in more way than one.

From a regular person, this bank is creating problems for regular people.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX  ( debt collection agency ) stated they closed case XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) No collection ( cancelled /closed/ no longer in collections ) XXXX XXXX  XXXX XXXX XXXX transfer me to XXXX XXXX  stated they will take care of all my issues!! 
XXXX XXXX  sent me an email stated they closed the account XX/XX/XXXX!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX I have a few accounts that are showing me 30-60 days late and at the time my income was affected by the Pandemic shutdown. I am aware that the CARESACTwas allowing for consumer protection under the CARES act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXX XXXX My income was interrupted and I am just now getting back employed on a regular basis..
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage payment to Suntrust Mortgage was submitted via My banks bill pay ( Typically takes 5 business days to receive and I have proof of sending payment thru my XXXX bank bill pay function ). Suntrust claims that payment was not received via mail in XX/XX/2020 and the payment ( {$1200.00} ) was deemed late ( I had to cancel the check ). They blamed it on the USPS. Loan was then put into default. I sent a second check to make payment. I then received notification that the initial payment was received but could not process due to it being cancelled. This same issue happened the previous month in XXXX XXXX as well. 
Suntrust reported the default to credit bureaus and now my credit score is the lowest that it has ever been. I have filed a dispute with Suntrust and was told it may take up to 60 days for review and notification of the results. Suntrust does not accept electronic payment of any kind unless it is thru their site. Since they only take mailed check, its my opinion that payment was not processed in a timely manner due to lack of manpower or issues within their own system.
Product: Credit card or prepaid card

I have a credit card with Barclays Ring Card. I tried contacting Barclays multiple times regarding the COVID 19 pandemic and was on hold for hours each time. Even sent an email though the secured message option that Barclays suggested and have not gotten a response. I finally got a hold of a customer service representative on XX/XX/01 who advised me that my payment would be deferred for 2 months and I would not incur a late fee. However, I have been charged a late fee and now my payment due is twice as much. I've tried contacting them but they are non-responsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX- have ignored my request to provide me with validation that this debt was assigned or sold to a collector. I have call several times and was told because they no longer have the account, I have to speak to the collector but XXXX is the one that is reporting the inaccurate information on my credit report each month since XXXX. The collection agency is not reporting anything to the credit bureau. 

2. XXXX XXXX XXXX - XXXX year XXXX, XXXX loan agree to take a smaller payment amount because I no longer had an income due to not working until I retired in XX/XX/XXXX. XXXX have inaccurate reported me delinquent for 276 days pass due. I received a phone call on XX/XX/XXXX from XXXX offering me a settlement of {$2900.00} but constantly reported to the credit bureau inaccurate information and remains charging me XXXX percentage interest. 

3. Navy Credit Union - have reported inaccurate delinquent payments transfer from XXXX XXXX XXXX XXXX during the bank merger between the two banks. This account was transferred from XXXX XXXX XXXX XXXX. 

4. XXXX XXXX XXXX XXXX XXXX XXXX )- This account has been paid in full for XXXX XXXX XXXX. I was told by XXXX XXXX XXXX this account can be deleted but has to be done by the collection agency because the account was placed with them for collecting but they refuse to delete from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is not doing anything to fix this issue, they continue to ignore this major problem in regards to my account. I have been unable to view, start a dispute, change info. or anything else on my Transunion credit report, and this issue has been going on for months now. When I attempt to log-in to the Transunion website for these tasks, I receive the following message : " We're unable to complete your request online. '' On numerous occasions, spanning from XXXX XXXX to XXXX XXXX, I have reached out to the company to fix this issue, both by phone and on their chat portal. Each time they have responded that they recognize this issue and someone will reach out to me to rectify the problem, nobody has reached out for months now and the problem has not been solved. Transunion does not care and is callously ignoring the problem in a very unprofessional manner, and violating my right to access my credit report. I have a legal right to view my credit report and to dispute items on my credit report and this company is blocking me from doing so.
Product: Credit card or prepaid card

Approximately XX/XX/XXXX I requested my Credit Reports from the 3 credit bureaus and found a Discover account that I did not apply for and have never used. I immediately requested a 'Fraud Alert ' be placed on file.

As I continued to research my Credit Report I found glaring discrepancies that I reported to the bureaus and the Fraud Department of Discover.

- The Discover Card was opened in XX/XX/XXXX - {$810.00} was charged and the account is more than 120 days delinquent -The account was turned over to a 3rd Party Collections that continuously called my cell # -The report shows that the Discover application was opened under a false address that I have NEVER lived at and the date of this Address Information has a date of XX/XX/XXXX. 
The thief 's put " Unknown '' as employment. I am an educator and have NEVER not known my employment type. 

I have been waiting for Discover to investigate this manner and report the fraud to the 3 credit bureaus to REMOVE Discover from my report and they have failed to do that.

In the 'Fraud Department ' there seems to be one supervisor in charge of communicating decisions when I call for updates and depending on the time of day in a different time zone than where I live I can not get a response.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX and Early Warning Services are illegally sharing my Transaction history without my permission or without sending proper contracts to opt in or out the sharing of my personal information. After recently getting denied for multiple bank accounts I looked into pulling my Early Warning report and realized that they were in complete violation of US code and disobeying acts set in place to protect consumers such as myself ( I will list the codes and act below ). I realized the denials we're made because of the sharing of my information with XXXX XXXX and XXXX XXXX in which I don't have any contracts with same with Early Warning Services. XXXX XXXX  XXXX has violated my privacy on 125 different transaction just as Early Warning service done as well on 2 separate occasions. The code and Act listed : 15 U.S. Code 6802 15 U.S. Code 6805 12 CFR 1016.10 Privacy Act of 1974 5 U.S. Code 552
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

I've been trying to dispute matters with the student loans Nelnet, SC State and XXXX inaccurately reporting late payments. This been going on since XXXX 2021. They keep saying they don't have any late payments and I've been clearly sending them reports showing all the 90,120 day late 's and its hurting my credit really bad. I had XXXX this year and it affected me tremendously but then I also had my loans consolidated recently. They are just reporting inaccurate information on my credit report and it has to stop. By law I have rights and they are abusing the credit law 15 U.S. Code 1666 ( b ). I need all those late payments removed from XXXX from Nelnet, SC State and XXXX because this is inaccurate information.
Product: Student loan

Navient has been harassing my family and I regarding my student loans. They call 4 to 5 times a day during peak work hours when I am unable to answer because I am working with patients. They also call my husband at his place of employment. 
I was available to speak to them finally today and when I did they told me I owe on my loans as well as charging interest and fees in spite of my Navient Federal Loans ( 2 loans ) being FFEL loans which as I understand fall under CARES Act for suspended payment and charges until XX/XX/2021. 
In addition to the 2 FFEL loans, I DO have a private Navient loan I co-signed with my husband. I pay monthly on that loan in the amount of {$100.00}. 
Can you please assist me in this situation? Thank you.
Product: Credit reporting or other personal consumer reports

I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT, FRAUDULENT, AND OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER, THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT IT COMES BACK VALIDATED EVEN THOUGH THE INFORMATION IS INCORRECT AND FRAUDULENT.
Product: Mortgage

I payed twice accidently on my mortgage XX/XX/2023. Clearly the funds were there but the money was taking forever to be drawn. I thought I may had forgotten so I payed online again a few days later. The company then tried to take the money out twice. I called to resolve this matter but the company is refusing to let me make an online payment for this month.They are also trying to charge me late fees. I tried reaching out to the research department through the online portal but nobody ever writes back. This company keeps giving me the run around!
Product: Student loan

I submitted for XXXX in XX/XX/XXXX. My forgiveness still has not been processed and every time I call the customer service provides different information or false information. The wait time is unbelievable, at least 3-5 hours if you want to speak to a supervisor. I have called the following times ( sometimes taking off a day of work to speak to someone at Mohela ) and my issue still has not been resolved : Phone calls made in XXXX ( *At this time my loans were being processed by XXXX ) XXXX - Told my consolidation looked good XX/XX/XXXX - they said call back in XXXX XXXX - Told me to escape my case to a supervisor because my employment certification forms were not being processes properly XX/XX/XXXX - Told that all my employment was approved and my account was being transferred to Mohela XXXX Not to worry. Just wait. be patient. 
XX/XX/XXXX - Mohela tells me to wait until XXXX XXXX - Said my 5 employers were approved and I received forgiveness ( not true ) XXXX - Told me to wait that by the end of XXXX I would be approved XXXX - Payment starting to get counted by only at 41 ; today they bumped up to 88 XX/XX/XXXX - waited 2 hours on hold to be told just keep waiting ; payments jumped up to 131 but 88 were qualifying ( this is not true, I have worked in Non-profits and as a public school teacher for 20 years ) XXXX XX/XX/XXXX - 2 hours on hold ; I had to go to work so I hung up XX/XX/XXXX - 2.5 hours on hold ; spoke to a supervisor who has me submit more Employer Certification Forms but could not explain why my former XXXX 's were not all accounted for If you look at my employment history, many of the months I worked are not accounted for : XXXX, XXXX, 4 counts are missing ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX 6 counts are missing ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX 2 counts are missing ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX 4 counts are missing ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 12 counts are missing XXXX - ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX ) In short, I have been waiting for over one year for my loans to be forgiven. I need the help getting through to a competent supervisor with a wait time that is not over 3-5 hours and who can fully process my application. This loan forgiveness is a difference between me being able to be a first time homebuyer at XXXX XXXX XXXX or continuing to be priced out of my rental apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I filed a dispute with Transunion regarding inaccurate fraudulent account that is not my account on my credit report. 
On XX/XX/2019 I again filed a dispute regarding the same inaccurate fraudulent account that is not my account. 
On XX/XX/2019 I received a letter from Transunion dated XX/XX/2019 stating the results of the investigation of disputed item is DELETED. Their letter states the item was removed from my credit report. 
On XX/XX/2019 I received a new copy of my credit file and they continue to report the inaccurate item. I want this item that was stated to be deleted removed from my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX has violated my rights. 

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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/year> A data breach that has led to the unauthorized opening of fraudulent credit accounts in my name. I believe that my personal information was compromised, resulting in significant damage to my credit profile and financial standing. 
Recently, I discovered that several fraudulent accounts have been opened under my name, and I am requesting your assistance in addressing this serious issue. Below are the details of the fraudulent accounts that were opened and that I would like to have removed from my credit report. 

Accounts to be Removed : XXXX? XXXX - Account Number : XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX - Account Number : XXXX In addition to the fraudulent accounts, I have identified numerous unauthorized inquiries on my credit report that I believe are associated with these fraudulent activities. I kindly request the removal of the following inquiries. 
Inquiries to be Remove : 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 I have taken immediate steps to address this situation, including contacting the credit bureaus to dispute these accounts and inquiries. However, I believe that your intervention is crucial to ensure that my credit report is accurately reflected and that the fraudulent accounts are removed promptly. 
I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Several years of excessive overdraft fees resulting in thousands of dollars. I feel like they were charging me too many overdraft fees.
Product: Credit reporting or other personal consumer reports

I have recently looked at my credit report and noticed that there are a bunch of inaccuracies on my credit report. I have attached documents in regards to matter. Equifax did not conduct a thorough investigation.