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

hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. XXXX XXXX say I have good credit. What XXXX XXXX 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 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 one 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 accounts 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 10 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 and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Debt collection

On XX/XX/XXXX, I recieved an alert about a new account on my credit report. I am unaware of this debt. I request that you provide a notification of the debt to me with a TRACKING NUMBER and signed postage receipt acknowledging that I was made aware of this debt. Having an opening date on my report is a misrepresentation as I have never done business with this company nor recieved a service. 

I also would like you to provide me with the Forward Flow Agreement/Original Purchase Agreement with the ORIGINAL CREDITOR signed by all parties involved. I am requesting this, because I have had multiple companies reach out to me about this same alleged debt. 

If you are unable to provide this information, you are required to cease all collection efforts and remove any references to this debt from my credit report.
Product: Credit reporting or other personal consumer reports

I have been trying to fix my credit with this company for a few months now. This bureau has the most errors of the top three and my score is over a XXXX points lower than the other XXXX to buy a home. XXXX XXXX, TransUnion XXXX and XXXX XXXX. 

These errors and incorrect information posted on my account is hurting my life and making it difficult to even buy a home for my family. I have submitted several disputes and most to no avail. 

I need help in removing this information. I think some was because my data was breached at XXXX and scammers got my personal information. Please help me get this incorrect information off my report so I can buy a home.
Product: Checking or savings account

Today being the XXXX of XX/XX/XXXX I went into the Bank of America branch on XXXX XXXX XXXX XXXX TX by XXXX XXXX to withdraw {$8000.00} The funds are available to withdraw because its an ACH deposit from my XXXX XXXX account. 
The manager after keeping me there for almost an hour told me I cant not withdraw my money because according him my money is on hold for no reason. I told him its an ACH deposited, just like wire transfers and cash are readily available by funds availability laws. He ignored me despite the fact I have been a customer since XXXX and have had similar ACH deposits from the same XXXX and never had a problem. I sent email to the company and no response. I went to XXXX former XXXX  and XXXX  my concern. I think the manager acted because I do not look like him. His demeanor and body language says it all. Let this not happen to anyone else. Its pathetic. I lost business opportunities because of this XXXX  act.
Product: Credit reporting or other personal consumer reports

in Accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account with XXXX XXXX XXXX was properly investigated but how is that possible if the last date of activity is inaccurate, the date reported is inaccurate, and last payment is also inaccurate. This is ground for removal they also violated my rights under 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 alos states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit reporting agency took more then 30 days to complete my investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS AN ACCOUNT FROM XXXX XXXX XXXX Account Number : XXXX FOR {$11000.00}, IT'S FRAUD AND I DID NOT AUTHORIZE OR REQUEST AUTHORIZATIONS OF THIS ACCOUNT LISTED IN THIS REPORT. MY INFORMATION IS COMPROMISED. THERE HAS BEEN SEVERAL ACCOUNTS THAT BEEN ATTEMPTED TO OPEN WITHOUT MY AUTHORIZATION, AND HAS BEEN INSERTED INTO MY CREDIT REPORT WITHOUT PROPER VERIFICATION. IT IS UNLAWFUL ACCORDING TO THE FCRA AND A VIOLATION 15USC1681. IM DEMANDING FOR THIS ACCOUNT TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT VIA XXXX, EQUIFAX, AND XXXX. THIS IS HIGHLY AFFECTING MY LIFE AS AN INDIVIDUAL THAT'S TRYING TO PROGRESS THROUGH MY FINANCES. I'VE EVEN FILED A POLICE REPORT AND AND FTC REPORT TO ONLY BE IGNORED. THIS IS UNPROFESSIONAL.
Product: Debt collection

The company provided on here only a bill after a full validation was requested. I submitted a letter back to them indicating that they did not provide all the requested validation information 's as required. I still have not received the proper validation and rather only a bill that was attached to a complaint on here. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact exist.

All of this information was requested by them and they failed to provide it.

They failed to obtain and send verification of the alleged debt by not mailing me the contact, instead of sending me a signed contact or agreement signed by all parties involved as requested, you mailed me a Final Bill and Account Ledger NOT a contact or agreement and are non-responsive to my validation request. Under the FDCPA, it is unfair and unconscionable to attempt to collect a debt in any amount that is not expressly authorized by agreement creating a debt permitted by law. 


They have failed to provide a valid basis for the calming I am required to pay the alleged amount owed. Additionally, you have failed to provide details about the age and amount of the debt ; a detailed explanation of any interest added and the legal authorization for this interest ; the date the original creditor claims it became delinquent. And whether this debt is within the statute of limitation and how that was determined. 

They failed to provide any details on your authority to collect this debt that was requested : whether you are licensed in my state and if so ; provide the date and license name on the license and license number along with the address and telephone number of the sate agency issuing the license number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Pentagon Federal Credit, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I have requested a copy of my full credit report and they are refusing to send me a copy. I I would like a full copy of my credit report sent to me at my address XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$120.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Checking or savings account

KeyBank has been making my life XXXX! 
I submitted my original complaint to CFPB on XX/XX/2021, Complaint ID : XXXX. The company took over a month to resolve the issue, and in that time the original issue created additional problems, more bank fees! I have tried calling KeyBank to resolve these additional fee problems, and I've also emailed KeyBank. I have headed all of the instructions they gave me, but THEY STILL HAVE NOT RESOLVED THE ISSUE! KeyBank is so broken and disconected. Sometimes I called in and spoke to one person and the next time I called in, the original person that I spoke to had been " let go ''. I emailed a branch manager by the name of XXXX XXXX, as instructed by KeyBank staff. That email included call recordings between myself and the bank staff so that I would not have to constantly keep repeating myself over and over and over. I never got a reply to that email, and STILL no remedial action has been taken. KeyBanks website is it's primary way for customers to interact with their account, but the website is so VERY lousy. And it's not just on the consumer-end either. I've spoken to KeyBank reps and have had them access my account while on the line with me, and they see the same thing that I see which is very little insight into my account. I openly invite the CFPB agency to access my actual KeyBank account online, so that I can illustrate exactly what I mean regarding the poorly organized KeyBank website. As of the writing of this letter, XX/XX/2021 KeyBank has hit me with fees amounting to what I think is {$75.00}. The reason I say " I think '' is because KeyBanks website is so poorly organized as I've mentioned before. The online portal only allows users to see the last THREE months worth of transactions on the account, and then everything else just disappears. When calling into a KeyBank branch and speaking to a rep, I've had one rep tell me that there are no fees and another rep tell me that there are fees. KeyBank makes it so hard to work with them, and they have no problem calling me constantly for debt collection purposes. I have kept all call recording and email communication associated with this issue. I have attached some of those call recordings to this complaint. There are more recordings that I am unable to attach due to limited space.
Product: Debt collection

Collection showed up on credit file for a debt paid in full. Portfolio Recovery has purchased junk debt in the past which has also been removed from my credit file already.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 604A section 2 It also states that a consumer credit report agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer account as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Equifax on XX/XX/XXXX requesting them to verify the accuracy of an account reporting on my credit with XXXX XXXX XXXX XXXX. 

This letter was signed for and received by Equifax on XX/XX/XXXX. 

I received a response to my dispute on XX/XX/XXXX ( letter dated XX/XX/XXXX ) that the results of the investigation are '' this item has been deleted from the credit file '' In noticing that the item was not deleted from the credit file, I contacted Equifax on XX/XX/XXXX and was told that the result letter was sent in error and that the information is reporting accurately. 

I then asked for verification of the item and was told that I would need to re-dispute. 

I have written evidence that Equifax concluded this investigation, and they are now unwilling to update the report in accordance with the documentation they have provided. 

I have attached the initial dispute letter, the certified mail receipt, and the dispute results from Equifax.
Product: Vehicle loan or lease

Credit acceptance corp, determined what laws of the state are applicable to the contract. They failed to explain one incorrect flaw to my legal notice, and stated incorrect statements. I sent these notices to the agent for Credit acceptance corporations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity of ENHANCED RECOVERY CO L ( Original Creditor : XXXX ) - XXXX ( Collection ) account and XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XXXX  ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Our mortgage was transferred to SunTrust for servicing from XXXX XXXX. SunTrust continues to withhold far too much money in escrow for what we actually owe AND is applying tax payments to the City of XXXX that we do not owe. I called SunTrust multiple times to confirm this wouldnt happen, they messed up, and when I called asking for a fix was promised a solution by XXXX - which has not happened. A summary of details is below : This mortgage is for a condo- we are having taxes withheld in escrow at the rate that would apply if we owned the entire condo building ( we do not, we only own one unit ). Despite SunTrust having documetnation showing the overall lien for the building, our ownership % AND the fact that the entire condo building is being taxed as one parcel until XX/XX/- they are still wanting 100 's of dollars a month unnecessary for escrow. 

Additionally- SunTrust has decided ( for some reason ) to PAY the city of XXXX the taxes owed for the entire building. Again, despite seeing that we live in XXXX XXXX and the tax parcel is for the entire building- randomly decided to pay the city taxes for the whole building. We are not responsible for these taxes until the building is reassessed and parcelled out which will apply effectiveXX/XX/XXXX. 

Additionally- for some reason SunTrust randomly applied one of our principal + interest payments to the escrow account - which makes zero sense to us. 

Three things need to be fixed here : 1. they need to withhold taxes at the correct rate as per the documentation they have. 
2. they need to reimburse us for the payment they randomly made to the City of XXXX which are taxes we are straight up not liable for. They've basically taken money out of our account to pay someone else 's tax bill off. 
3. they need to go back - apply our payment correctly to P+I and recalculate our amortization schedule. 
4. they need to block all payments to the city of XXXX until they see a tax bill for the parcel SPECIFIC to our XXXX XXXX - not the entire building.
Product: Credit card

I had close my Chase freedom credit card account after full payment, afterward a fraudulent transition occurred. For XXXX  XXXX  and i disputed it, I already requested multiple time I am not paying anything especially when I request to close my account with XXXX balance Still getting bill for small amount and I am fed up of it On the phone they said will take care of it but still getting bills even though I had closed account t
Product: Money transfer, virtual currency, or money service

Hi Team, I am using Remitly Money transfer app to send money to my home country for my family help. 

Today, sudden I got pop up messages that couple of transaction happened in remitly account, I was socked because I didnt do that. 
Total XXXX $ been transferred, and XXXX $ has been transferred successfully and rest of the amount did cancel by bank. 

I dont know about the person detail who was added into my remitly account, top of that I can not understand that how someone added himself into my remitly account whereas I didnt get any text regarding this addition, I cake to know when amount has been transferred. 

Remitly customer service are so bad, since morning I was trying to connect with them and they are available only on chat, and waiting queue is 2-3 hrs, after 2-3 hrs when would connect suddenly they will close the chat. 

I am 100 % sure, it is completely remitly issue, their side only some days loss happened and they are hiding it. 

I want my money back and action against the person, who did that. May be he will do same to others in future. 

My remitly user : XXXX Cell : XXXX Please reach me anytime for any information. 

Thanks, XXXX XXXX
Product: Debt collection

LENDMARK FINANCIAL SERVICES, LLC Account Number XXXX XXXX Reported Balance {$8100.00} Account Status CHARGE_OFF This company is violating my rights they have not provided validation information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report.
Product: Credit reporting or other personal consumer reports

I went to experian.com to login and get my credit report as I am looking to rent a home/apt soon. When I make an account it says error, when I send a code to the correct number I get no code to login, I have tried contacting everyday I can and even people on XXXX are saying they can't get contact and it is very frustrating. I can not see what they are doing with my credit but they have my social and are not allowing me to access my account or credit.