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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX XXXX XXXX XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on XX/XX/XXXX and XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late dates from this account : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I filed a dispute with bank of america EDD debit card due to errors with a teller withdraw, I faxed over all documents to show that there was an error on there end. On XXXX XXXX I recieved a a credit. On XX/XX/2020 the credit was reversed, I have been reaching out to the claims department, on the morning of XX/XX/2020 I called claims back and was told there was no reason that the claim should have been reversed and that she would escalate this to the correct department to get it corrected, I didnt hear anything back so i decided to call back on XX/XX/2020, i got a really nice representative that went above and beyond to try and rectify the issue. I thought it was going to be fixed but then the representative came back and said the supervisor said escalate the form again, I filed a official complaint with the representative and she said that would force them to promptly look into it, I also requested to speak to another supervisor, supervisor came on the phone and then disconnected, I have reached out many times to the claim department and they just keep saying it will be corrected in one more day, so today XXXX XXXX I called and was on hold for 2hours and 58 mins, finally a representative picks up and looks into the claim and say the credit should be applied in about 2 more business days, I request to speak to a supervisor she transfers me and a man picks ups, I start to explain the situation and he says yes I have looked at your account and I will adjust this immediately, he proceeds to tell me to hold on and then transfers me to customer care, and the representative tells me he can not assist me, I am currently on the phone with them and have been on hold since XXXX XXXX, it is now XXXX no one has picked up, I have XXXX  children and the error is just taking away all the money the edd is providing me,
Product: Credit card or prepaid card

I rented a car from XXXX rental car ( XXXX XXXX  Record Number # XXXX ) on XXXX from XXXX and returned it on XXXX in XXXX XXXX. Estimated charges was XXXX XXXX XX/XX/XXXX I receive a letter from XXXX XXXX XXXX control claiming that I didn't return the vehicle. I explained to them that the vehicle was returned as per the above dates. They opened an internal investigation and provided a case number XXXX within XXXX internally, which concluded after checking the XXXX rental return area camera 's, that the car was returned on XXXX! They informed me that the charges would be finalized at XXXX $ and that the rental record/contract should be closed shortly! Despite the difference in charge, I said may be a mileage thing. Let it be and get it closed out... 

XXXX I got hit on my credit card with {$980.00}, I immediately disputed the charges. The Citi Bank Credit card disputed the charges with XXXX XXXX XXXX. However the vendor rejected the dispute and credit card told me that I have sort this out directly with the vendor. No further dispute would be accepted until i get an official response from XXXX with the reverse of the charges! 

I opened a claim with XXXX ( XXXX is the latest ) for the past two month I have been following up with them patiently and each time they tell me give us sometime. 

Finally today they told me we can't refund the money back to you as the location confirmed that the charges are valid. I reference the Vehicle recovery case number XXXX that confirmed the charges are XXXX $ and they said the location confirmed that no refund can be made on this contract. 

I informed them that this is not acceptable and they turned around and said we understand but this is what the location have advised. I told them this is something between you all... I got a case and a number that I was given as anticipated charges from XXXX and still your location insist on those charges. This is an internal issue that as a customer. I have to deal with it!
Product: Credit reporting or other personal consumer reports

ACCOUNT XXXX XXXXXXXX These debts youre chasing me for I dont agree with them at all and I think the amounts youre saying I owe are off. Dont bother with any proof Im not interested. I know whats up and seeing proof isnt going to change that. If you need to get in touch, email me only between XXXX XXXX  and XXXX XXXX  XXXX. Dont send any mail whether its XXXX XXXX XXXX XXXX XXXX or any XXXX  and skip the phone calls and voicemails its just XXXX big inconvenience.I 'm outta here. This ACCOUNT # XXXX and anything else you have under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account identity theft XXXX XXXX XXXX Open XX/XX/19 Amount XXXX
Product: Credit card or prepaid card

Commenity/XX/XX/XXXX has been sending me emails about balances due for the last several months. In response to the emails, I have sent messages beginning about XX/XX/2019 telling them that the amounts are fraud and to please close my account. 

Today, I received another email stating that a balance was due. I told them again through their email service that this is fraud. I also asked them what paperwork I needed to send in to notify them again that there has been fraud. about 2 hours later I received a text to call them. I called them and they said there is a balance due and there is 1 missed payment. The lady said that my account was not tagged with fraud and they didn't see any fraud. I did not authorize the transactions that have led to the balance owed. 

How long will this go on before they understand this is fraud. I asked for this account to be closed a couple of months ago. Please do not let them report erroneous information due to fraud that they have yet to handle. 

Please have someone with authority call me back from the company so I can finally get this issue resolved. My phone number is XXXX.
Product: Credit reporting or other personal consumer reports

This marks my third attempt to address a persistent concern regarding the disputed account with XXXX XXXX XXXX, Account # : XXXX. This is the sole inaccurate item on my credit report, and despite my previous efforts, I have yet to see any resolution from Experian and XXXX in their reinvestigation process. 

I am unhappy by the lack of progress, particularly when compared to XXXX, which promptly removed the disputed account on XX/XX/2023. This inconsistency raises questions about the process and methods employed by Experian and XXXX in verifying this account. If they are sourcing information from a single provider, why is there a discrepancy in the reported details? The lack of streamlined communication among the credit bureaus and the original creditor adds to my frustration. 

I am reaching out again, seeking your assistance in resolving this matter. I believe in the fairness and accuracy of credit reporting, and the current situation has left me questioning the intentions behind the handling of this dispute. I kindly request your immediate attention to this issue to ensure a swift and accurate resolution. 

Your cooperation is highly appreciated, and I look forward to a positive resolution to this ongoing concern.
Product: Credit card or prepaid card

On numerous occasions since I have had these cards with XXXX XXXX XXXX, my payments have not been received. They have charged me multiple fees for either late payments, returned payments, or over the limit. The first time it happened I was told to check with my bank because they were rejecting payments. My bank said they never received a request for payments. I switched the bank and bank account that the payments would come out of, and the exact same thing happened. This has happened repeatedly for months. I have incurred so many fees from the company that I now can't afford to pay the cards off as I planned. On top of that they have charged what they call a membership fee of an extra {$100.00} that has pushed each account over the limit and now is showing on my credit as continuous late payments and over the limit. This has affected my credit report and has kept me from being able to buy a home. I have called this company and spoke with numerous people who are either extremely rude & threatening or unhelpful. This company calls my phone multiple times a day leaving messages every time. They even start calling as early as XXXX XXXX and as late as XXXXXXXX XXXX even on Sundays. They are also sending me texts and emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Remove these accounts on my credit file ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I submitted a letter faulting Transunion XXXX and XXXX ( 1 ) Breach of Privacy or ( 2 ) Lack of Investigation The following letter was submitted with companies ( a ) failing to remove faulty or old addresses b ) hard inquiries that the same card was applied for 2-3 days in a row ( c ) Consistently failing to address XXXX XXXX reporting every month for 9 months when I had been receiving letters from a to the company they sold a debt to as well as them informing by letter they sold this debt. ***The following letter and proof were submitted with proof and no changes 3 months ago. that Under privacy law codes, such as the Fair Credit Reporting Act ( FCRA ) in the United States, credit bureaus are required to ensure the accuracy, transparency, and confidentiality of consumer credit information. These laws protect individuals from unauthorized sharing or misuse of their personal financial data, recognizing that inaccurate or improperly managed credit reports can have severe consequences, including denied access to housing, employment, or loans. Credit bureaus must provide clear and accurate credit reports to consumers upon request and allow disputes to correct errors. Failure to maintain clarity and adherence to privacy law codes undermines consumer trust and violates legal obligations, emphasizing the critical need for transparency and accountability in managing sensitive financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have several items on my credit report that are not mine. I noticed it because I recently applied for an apartment and I was denied so it prompt me to check my credit report. These items listed a.re not mine and need to be deleted from my credit report. I have contacted my local police department. I'm doing this on my own behalf. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX/XXXX  XXXX XXXX, XXXX, XXXX/XXXX. Inquiries : XXXX/XXXX, XXXX XXXX.XXXX/XXXX   XXXX . XXXX, XXXX/XXXX, XXXX XXXX   XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   AND XXXX, XXXX XXXX, XXXX, 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, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX. XXXX XXXX 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: Debt collection

On XX/XX/XXXX, Midland Funding LLC filed a false claim against me in the District Court of Maryland   for XXXX XXXX stating they were the owner of an account I had with XXXX XXXX   in the amount of {$1000.00}. An Affidavit of Service was filed with the court made with false statements that the Process Server personally served me on XX/XX/XXXX, which is completely false. I was never served by this processor. A Bill of Sale was filed with the Courts which was dated XX/XX/XXXX and stated it is by and between XXXX XXXX XXXX , XXXX, a XXXX   XXXX XXXX XXXX ( the " Seller '' ), and Midland Funding LLC, a XXXX XXXX XXXX XXXX ( the " Buyer '' ). The Bill of Sale is clearly from a junk debt buyer and does not mention my name, social security number, and original credit account with XXXX XXXX. Midland Funding LLC is not the legal account owner of any accounts I previously had with XXXX XXXX. I was not an educated consumer and was intimidated after finding out I had a judgment against me and was receiving a notification that my wages were going to be garnished in XXXX of XXXX and I contacted the Attorneys, XXXX XXXX XXXX  XXXX, who represented Midland Funding LLC according to the notice I received. I made payments to avoid a garnishment after the law firm used deceptive tactics to make me believe I owed them money. I had a lot of financial difficulties and could not afford to make payments continuously. I was not aware that Midland Funding LLC was not the legal owner of my account until recently after my wages were garnished and I started doing legal research and found out Midland Funding LLC had violated the Consumer Financial Protection Act of 2010, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act. Midland Funding and the attorneys representing them did not verify that the records, including the Bill of Sale were accurate and legal before filing a lawsuit against me and causing me mental anguish and emotional distress by garnishing my wages. They will not attempt to prove standing and are now refusing to provide me documentation I am requesting to prove they are the legal owner of my account and had a legal license as a collection agency in the State of Maryland.
Product: Credit card or prepaid card

XXXX sign up offer of XXXX JetBlue points after spending {$1000.00} in the first 90 days. I called them before 90 days to verify I'd met the {$1000.00} spending requirement. They verified that I had and the points would post 4-6 weeks after the current statement closed. When the points never posted I contacted them and this time they said that I hadn't met the {$1000.00} spending requirement because the {$99.00} annual fee doesn't count.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent credit reporting agencies and collections companies Identity Theft Report, informing that I am a victim of identity theft and the alleged accounts. This is not misrepresentation I am victim of Identity theft. I further explained this is not a mistake or sent in error. The items found without my credit report I listed are not related to any transactions that I made. I am alleging that a person or company- without my authorization or consent - used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts. I instructed that I would like to have those accounts blocked and removed expeditiously. CAINE WEINER, I.C. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Explained the alleged debt is not mines and if they do please provided a prompt reponse or proof under penalty of perjury you were present during the opening of these debts. I have not received reponse yet. So I am demanding these account be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts # 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: Checking or savings account

USAA Allowed a 3rd party company to make an authorized debit. I provided the necessary documentation and USAA refused to process the claim as fraud / unauthorized transaction. 

My account was charged on XX/XX/2017 in the amount of {$490.00} and XX/XX/2017 in the amount of {$490.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I TRIED TO GET A FREE CREDIT REPORT FROM EXPERIAN CREDIT REPORT ONLINE. AFTER NOT GETTING WHAT I WAS EXPECTING I TRIED TO LOG IN TO THEIR COMPANY. NO LUCK. ON XX/XX/XXXX MY CREDIT CARD WITH XXXX VISA WAS CHARGED WITH A {$1.00} CHARGE SHOWING EXPERIAN CREDIT REPORT AND HAS A NUMBER OF XXXX XXXX. THEN ON XX/XX/XXXX I SEE ANOTHER CHARGE ON MY VISA CARD {$21.00} FOR WHICH DIDN'T AUTHORIZE NUMBER XXXX XXXX. 
AFTER SEEING THIS I REPORTED TO XXXX  XXXX XXXX USING THE PHONE NUMBER ON THE BACK OF THE CARD XXXX, I DID THIS ONE ON XX/XX/XXXX WITH A REP. IN UTAH. THEY SAID THEY WOULD FILE THE DISPUTE. THEN I WOULD GET LETER. THNE I GOT THE LETTER SAYING THE {$1.00} HAD BEED CREDITED TO MY ACCOUNT, IN WHICH IT DID. 
THEN AS FAR AS THE {$21.00} IT WAS DISPUTED BY THEM AND I WOULD RECIEVE A LETTER BACK. 
NOW ON XX/XX/XXXX ANOTHER {$21.00} HAS SHOWED UP ON MY VISA ACCOUNT WHICH I HAVE NOT AUTHORIZED AGAIN. AND ON XX/XX/XXXX I HAVE DISPUTED THIS TO XXXX XXXX XXXX AGAIN, A DISPUTE WAS FILED, I WANTED TO FREEZE MY VISA SO I AND EXPERIAN OR ANYONE ELSE COULDN'T CHARGE ME WITH ANYOTHER CHARGES. 
ON ALL OCCAISIONS I HAVE TRIED TO CALL EXPERIAN TO TALK TO A REPRESENTAIVE TO STOP ALL THE CHARGES AGAINST ME. BUT NO LUCK. ESTIMATED 10 OR MORE DIFFERENT NUMBER WERE TRIED. YOU COULDN'T GET AROUND TO SPEAK TO NO ONE. 
ALL I WANT IS TO GET THE MONIES REFUNDED TO THE CARD. AND THEN FOR EXPERIAN TO JUST LEAVE ME ALONE. 
THIS THE XXXX DAY OF XXXX, 2018. 


I WOULD APPRECIATE ANY HELP. THE XXXX  HAS NUMEROUS COMPLAINTS AGAINST EXPERIAN. 

I'LL HOPEFULLY KNOW BETTER NEXT TIME I WANT A CREDIT REPORT.
Product: Mortgage

XXXX XXXX As we going through the process of our Loan Modification, we have some concerns on the approval of the Lender Investor underwritters. 
We have done some research on the lenders of XXXX  and present and it appears that there is a Fraud, Scandal and corruption committed on XXXX XXXX Loans. 
XXXX XXXX is deceased and she resting in peace in XXXX with our XXXX and XXXX XXXX XXXX. 
Respectfully, We are not in Retaliation against the lenders, but we are very surprise on the unlawful acts of Loan Reps and Lenders that provide it XXXX XXXX Mortgage Loans that was not a Fixed Rate. 
We have given Authorization and Consent of Privacy Release for U.S Senator XXXX XXXX on issues of Lenders and Consumers Financial Protection Agency Investigations. 
We are respectfully requesting that a Federal Investigations will be implemented of the unlawful acts of lender and reps. 
THIS IS A EXTREME URGENT MATTERS!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried calling Experian to cancel this recurring membership that charges my bank account {$26.00} a month. I do not receive ANY services from Experian ; I have spent hours on the phone trying to get a representative on the line, but 2 hours without having a single representative pick up is a bit much.
Product: Bank account or service

I have a SFR as an investment property. I refinanced it in 2012. I obtained the refinance through a broker. ( In fact when we signed our mortgage papers we signed a document requesting that WE PAY ALL FEES DIRECTLY. That was not honored ) It was sold to XXXX Bank who serviced it from XXXX and then sold to PNC Mortgage who has been servicing it to this date. I requested that they cancel my impound account which they agreed to but they want to charge me {$250.00} to close the account. I do n't remember agreeing to this. Is this legal?
Product: Mortgage

My husband & I have been living in our home for going on four years. We have received our mortgage from XXXX XXXX in XXXX, Il. They kept our loan for about 8 months & it sold to XXXX. For the last four years our taxes have NOT been paid on time. Which has resulted in a headache and worry for myself and our family. Our name has been put in the paper for something we can not control. We have escrow & I am sick and tired of having to fight & deal with this problem every year. Our mortgage now is with PennyMac who I dealt with this situation last year. When I spoke to the representative I asked the CSR if I needed to send the tax bill to them next year to fix the problem I was told no & assured that this would not happen again. I am sickened & thoroughly annoyed with this situation. We have escrow so I do not have to worry about situations like this occurring.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax violated my concent and privacy. us code 15 ch 41 sub ch 3 1681 ( a ) 3 and 4 1681 ( b ) 2
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting denied checking accounts with banks because early warning systems has inaccurate information and wrong information on there and should be removed I have tried contacting them multiple times to dispute items on there that shouldnt be because they dont belong to me or are not my accounts that show negative history which is completely wrong and I want them removed its preventing me from opening a simple checking account so I can pay my bills and its very stressful when no one can contact me back or at least look into it its not fair and Im struggling trying to pay bills online without a bank account I have to use prepaid cards and its time consuming this isnt fair