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

To Whom It May Concern, In XXXX ( I believe XX/XX/XXXX ) around noon, my husband and I called Transunion. When we tried signing him up for credit monitoring there was a problem verifying his identity. The representative informed us of a website we can visit so we can get a credit report for him and we can go from there verifying his identity. We waited until XXXX to do so and forgot that website. 
I called Transunion to obtain that website on Thursday, XX/XX/XXXX at XXXX XXXX   CT. I explained the situation above to the representative I spoke to ( but in a little more detail ), I believe her name was XXXX, she did not seem to understand what I was talking about. So, she proceeded to tell me that I can sign up for a transcription online. I explained the situation to her again and told her that all I want is that website address. She asked me questions that were either unrelated to what I was asking for, or she would ask questions about the information I just gave her, which further gave me the indication that she either did not understand or was not listening. She then proceeded to ask me for his social security, I asked her why she wants that, she told me she wanted to check if he has an account with them. I told her that he doesnt, and I am not comfortable giving the social security. 
Her request concerned me because she was willing to give me information and she : 1- can not verify who I am AND 2- she did not have authorization from my husband to give me any information. 
I proceeded to ask if there is another way to get that information, she said to give her his name. She then looked him up and told me that she could not find any information for him. She also asked me what my relation was to him. I said, I stated he was my husband multiple times in the conversation. I ended the conversation I called back immediately at XXXX XXXX CT to talk to a supervisor. I spoke with XXXX XXXX Consumer Relation Department. I asked for his employee ID, he told me that was confidential but gave me his name and position instead. I explained to him the situation above and voiced my concern about the release of confidential information. I told him that if she or any other employee at Transunion is willing to give me that information based on me saying I am his wife, I am concerned someone will call one day claiming to be my husband and will get the information he wanted. He told me he understands my concern, but the employee will not give out confidential information. I told him that according to what happened she was willing to do so. He then started talking about unrelated points and finally told me that he can give me the number to the online department so that we can get an online subscription. He did not even care to ask who I have spoken to. I ended the conversation and called the Consumer Financial Protection Bureau to find out how to proceed in reporting them. 
I am very concerned about the confidentiality of my information! 
I have provided dates and times because Transunion claims to record all calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and there are XXXX inquiries that I did not authorize. I have filed Consumer Fraud reports with the FTC for all three Inquires including XXXX XXXX Complaint. I also contacted TransUnion by phone after they failed several times to remove the inquiries when I requested them to by mail. The file number they provided me with is XXXX The Inquiries are the following, XXXX. XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX. XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX. XXXX XXXX ( Inquiry Date : XX/XX/XXXX ).
Product: Debt collection

This Debt collection company has violated my consumer rights.

code 15usc 168 18.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights. 
XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX U.S.C 1681 section 602 A., state I have the right to privacy.

15 U.S.C 1681 section 604 A section XXXX : It also state a consumer reporting agency can not furnish a account without my written instruction.
Product: Student loan

Date : XX/XX/year> Complaint Regarding Poor Customer Service Experience Dear Consumer Service Manager, I am writing to express my dissatisfaction with the service I received from MOHELAs customer support team on XX/XX/year>. As a borrower, I rely on your organization for accurate and professional assistance, but my recent experience was far from satisfactory. 

After waiting for nearly two hours on hold, I was finally connected with a representative. Unfortunately, the individual who handled my call was not only unprofessional but also raised their voice at me. This behavior is unacceptable and made an already frustrating situation even worse. 

Additionally, the representative appeared to have limited knowledge about my account and the issues I was calling to address. My call was placed on hold at least five times, which added unnecessary delays and confusion. After a prolonged and unproductive conversation, I was informed that a request had been created, but I was advised to call back in 10 days for an update.

This lack of efficiency and professionalism has left me feeling disheartened. Waiting for hours on hold only to receive incomplete information and poor treatment is not what I expect from an organization entrusted with managing student loans. 

I urge you to investigate this matter, provide additional training to your staff, and take steps to improve the customer service experience. Borrowers like me deserve timely, respectful, and knowledgeable assistance when dealing with such important matters. 

I would appreciate a response to this letter and information about how you plan to address this issue. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of inquiries I have no knowledge about and open auto loans on my credit report profile
Product: Credit reporting or other personal consumer reports

Dear LexisNexis Risk Solutions Consumer Center, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. 

Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. 

I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. 

Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spent a long time and effort to build my creditworthiness and was actually looking forward to securing a mortgage in the next few months. To that end, I enrolled as an Experian member and monitored my credit regularly. I was able to get my FICO score to XXXX with a view to reaching XXXX ( good ) within a month or two. By XX/XX/2019, I did my best to maintain this upward climb. On XX/XX/2019, I was notified that there was a flag relating to my XXXX XXXX account of {$180.00} which I promptly paid off and closed since I never really needed and used it. My score remained XXXX. Then, on XX/XX/2019, decided to try the new EXPERIAN BOOST because I constantly received email about its benefit. I duly entered my bank account information as requested and that was when my woes began. My FICO scores immediately and dramatically fell from XXXX to XXXX. Then, interestingly, my scores were " boosted '' by 12 points to XXXX. Why would I prefer and settle for a " boosted '' XXXX instead of my original XXXX. Since then, I have called and spoken to EXPERIAN at least 4 times for an explanation for the drastic drop in my score without any prior notification in changes to my scores but, till date, no one has been able to tell me. In fact, one supervisor actually told me that the truth of the matter was that no one knew definitively why my scores dropped. One agent advised me to delete the information I had entered with the boost and I did but all that occurred was that the 12 point " boost '' and my score now fell from XXXX back to XXXX. Currently, my score has even decreased to XXXX ( Poor ) and still with no explanation. The Experian agents even seemed exasperated because I was insisting on having an answer to my question. The last agent I spoke to on XX/XX/2019, told me to seek the assistance of a credit adviser and, further, that they would not put in a dispute on my behalf because it had to do with FICO scores. He tried to show some sympathy by saying " I understand how you feel '' as if that sentiment was supposed to change anything. I feel that something went wrong somewhere with the " boosting '' but no one is able to explain or accept any responsibility. As for me, I feel very hurt that all my efforts to fix my credit have had a reverse effect. I don't know what to do anymore or where to go from here.
Product: Debt collection

I co-signed for this car for my dad and he got sick I tried to sell it but it had to much work that needed to be done to it so I called them and told them to come pick the car up. My dad passed away and it was costing more to keep the car I tried for months to sell it. they sold the car and it had a {$1200.00} balance but on my credit report it has {$4900.00}. balance on my credit report and its wrong and it needs to come off this account has been sold to 2 collection agencies. Every call get from them the price goes up every time they sell this account. i was told the car was sold in a auction
Product: Credit reporting or other personal consumer reports

I do not consent to e-OSCAR verification and want an actual living human to read this complaint. I will have my invoice for damages and consumer violations attached below. Transunion has removed US DEPARTMENT OF EDUCATION, and it is proof of my claim. If my invoice is ignored, I will have to pursue Arbitration for civil liabilities with all the proof I have. Hopefully we can come to a resolution.
Product: Credit card or prepaid card

I went to XXXX XXXX of XXXX, la. & used my XXXX moneycard to make a withdrawal from the chase atm. I made a withdrawal of XXXX dollars, with atm fee charge of XXXX dollars, but i notice once i got the receipt that i was charged another XXXX.This was today, XX/XX/2019.
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, This letter is being sent to you in response to a recent charge of {$100.00} that was made on my credit report that I do not recognize. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX
Product: Checking or savings account

XX/XX/year> email sent to Wells Fargo requesting information on this matter.
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. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. 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. The account below should be corrected ASAP XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have contacted the Department of Education on Mohela needing to correct my student loan account. I completed a Borrower Defense application in 2019 and through XXXXXXXX XXXX XXXXXXXX this was approved. Because of this, ALL of my loans through Mohela must lawfully be discharged through Borrower Defense. Mohela ignored this and instead did it through the Public Service Loan Forgiveness. Because of this I have not provided the correct discharge and have not received the refunds of all payments made on all of my school loans that I am lawfully due. With the XXXX XXXX XXXXXXXX lawsuit should have received all loan discharges and all refunds of payments by this date as per the lawsuit and Mohela and the Department of Education are now in breach of contract!
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I filed for XXXX XXXX bankruptcy under the U.S. Bankruptcy Court for the Eastern District of XXXX. The court granted a discharge on XX/XX/XXXX, upon reviewing my credit reports from XXXX, Equifax, and XXXX. I identified inaccuracies related to the reporting of my bankruptcy and associated accounts. 
Specific Issues Identified : XXXX. Incorrect Bankruptcy Status : XXXX. Accounts Not Updated Post-Bankruptcy : XXXX. Inaccurate Dates : Impact on Me : These inaccuracies have adversely affected my credit score, hindering my ability to obtain new credit and causing undue stress.
Product: Credit reporting or other personal consumer reports

My previous CFPB complaints have been neglected in providing the evidence required by consumer law from TransUnion and XXXX XXXX. Ive filed multiple CFBP complaints requesting that the TRANS UNION force the company XXXX XXXX to comply with my request to provide specific information pertaining to the account that they have accumulated numerous questionable and unethical fees violating my rights as a consumer. I was never issued a transaction statement for the account with XXXX XXXX. Theyve mailed me interest statements and not transaction statements clarifying evidence as proof of balance at account closing. I requested a statement of all transactions specific to where and when all purchases with amounts that locations from the card that was only active for 30 days according to my credit report. Theyve ignored my request by way of a letter response and CFPB complaint. They only providing statements of interest rates and no transaction or usage of card. The reopening of the account with no proof of transactions was active for XXXX  days with the sole purpose of conducting unethical, consumer violating behaviors by stacking fees without proof of purchases and month end balance. They failed to provide proof of the source of purchases or statement, outlining the usage. Ive attached a document sent to me in a CFPB response without them providing the information I specifically requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX Complaint- Inaccuracy and false reporting XXXX XXXX- {$3600.00} XXXX XXXX- {$2400.00} EQUIFAX is the only bureau reporting this false account information
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I contacted the XXXX Credit Bureau after I noticed a XXXX XXXX XXXX # XXXX credit card on my report. This credit card was opened on XX/XX/XXXX but only appeared on my XXXX report on XX/XX/XXXX. I told them that this is NOT my credit card and that I never owned a XXXX credit card. They said they would investigate and sent me their investigation report of XX/XX/XXXX ( File Number : XXXX ) which stated that they verified as accurate that this was my credit card. 
I contacted Citibank on XX/XX/XXXX ( spoke to XXXX ) and they verified that this was not my credit card ... the mailing address, middle name, checking account # and date of birth was different from mine but my social security number was associated with that account. They told me it was a " automatic system issue '' problem and they would take care of it. I contacted Citibank on XX/XX/XXXX with no resolution in sight. This credit card still appears on my credit report.
Product: Debt collection

In XXXX of XXXX I moved out of an apartment ( XXXX XXXX ) ran by XXXX XXXX XXXX XXXX that was shared with me, my wife and child, sister n law and her significant other. We gave notcie to property XXXX XXXX on XX/XX/XXXX that we would be moving out XX/XX/XXXX due to my new job in another city. I asked for the paper to sign stating that we were moving and he said he would bring it by our apartment. 2 months went past and we had a walk through of the apartment with property manager XXXX on XX/XX/XXXX in Which there was absolutely no damage. He then provided me with a notice to move document with no date in which I said i would not sign unless the document was pre dated to the correct date. I DID NOT SIGN the document, gave him back the key to the property and he said he would have the property management company call me in which they never did. My deposit was kept and I was told that I didnt give 30 days notice to vacate and that the notice I gave came on XXXX XXXX in which me and my family were not in the city at the time. The signature on the Notice to Vacate is NOT MINE, nor did I ever sign one. I was later charged {$1300.00} for carpet replacement and unpaid rent. All charges are false and documents are falsified.
Product: Credit reporting

THESE MEDICAL ACCOUNTS ARE INCORRECT. I HAVE HAD MEDICAL INSURANCE ALWAYS. IMPROPER FILING ON ACCOUNT. THESE ARE ALSO SHOWING FROM 2010 WHICH IS ALMOST 6 YRS. I HAVE CONTACTED THESE ACCOUNTS IN THE PAST AND GAVE ALL INSURANCE INFORMATION. BUT IS STILL SHOWING IN CREDIT REPORT AND IS DAMAGING MY RATING. PLEASE REMOVE FROM MY CREDIT REPORT. THANK YOU
Product: Debt collection

XXXX XXXX XXXX XXXX debt was paid in the form of monthly payments for a settled amount of {$310.00}. This settlement was approved and accepted by Diversified Consultants in XXXX XXXX. A total of 6 payments were made from XXXX through XXXX XXXX. I will not be paying anything with XXXX and I request this collection amount/item to be removed from all credit reports immediately. 

Original Acct number-XXXX Original balance- {$710.00}
Product: Mortgage

As of XX/XX/XXXX my mother XXXX XXXX of XXXX TX. passed away, since the home had a reverse mortgage associated as a first lein notification was made to the original servicer. PHH Mortgage provided a welcome letter dated XX/XX/XXXX upon transfer of the loan from RMS Mortgage. When contacted initially we were advised there was a pending foreclosure date and at that time a Covid extension was granted The issue is anytime I call that date changes and an additional extension can not be granted. I'm writing today as a consumer and mortgage professional concerning the lack of adherence to XXXX XXXX Covid guidelines and the potential borrower harm caused by PHH when the information the staff provides certainly misleads those who may be grieving the loss of a loved one. I was told today XX/XX/XXXX the sale is scheduled XX/XX/XXXX, however when I pointed out the staff member prior to stated it was XX/XX/XXXX and the assigned SPOC said it was extended to XX/XX/XXXX the SPOC XXXX stated she had to check with her manager on which date was correct and for me to expect a return call. Well I'm still waiting... 

Needless to say we are at a loss as how to proceed since the property currently is being sold and has a closing date of XX/XX/XXXX per the buyer. 

Please help not just this family but the thousands of beneficiaries subjected to such harsh treatment during this reverse mortgage process.
Product: Mortgage

We were as month behind then two I scheduled a payment and needed to change the date they did n't change it so it bounced. I set it up again they refused there payment I have confirmation of the payment but they never applied it. I wanted to add to my monthly payment as o if be caught up by XXXX they refused now want XXXX by XXXX I ca n't come up with it I 'm XXXX and have high med bills if they 'd let me get caught up by say XXXX XXXX I could do it but they wo n't our old mortgage co let me pay extra when I fell behind this co said they do n't allow it well my Lian was sold XXXX never agreed to a private investor who wo n't follow the law. I need a payment agreement
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX, XXXX  BALANCE {$0.00} ACCOUNT TYPE Credit Card CREDIT LIMIT {$200.00} HIGHEST BALANCE {$140.00} RESPONSIBILITY Individual ACCOUNT DISPUTED Never open account. ID Theft
Product: Checking or savings account

I was a Simple Banking customer. Simple closed up and was to be transitioned to their parent company, BBVA USA on XX/XX/2021. Immediately there were significant errors when attempting to enroll. Attempts at contacting customer service were futile as wait times were in excess of an hour. Then, the following day on XX/XX/XXXX BBVA stated they would have their customer service open on Sunday ; however, when I, along with thousands of other people, called customer service ( XXXX ) someone would immediately pick up, act like they couldn't hear you, then hang up. I tried twice from the same phone, then I got a second phone and customer service wouldn't even answer, it would just hang up. At this time, I have no access to manage my money, BBVA customer service is not operational, and there is no solution to this problem for an unknown thousands of people. There are hundreds of complaints and the XXXX threads reference these complaints are numerous concerning the problems with this transition.