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

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Charged overdraft fees multiple times from the end of last year until XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the 3 Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX at approximately XXXX EST, I contacted Equafax 's Fraud Department. I spoke to an agent by the name of XXXX ( agent ID XXXX or XXXX ). I let her know that I was calling regarding a transaction I did not recognize on my report by XXXX from XX/XX/XXXX. She told me that she was not able to remove the account. I let her know that I am very well aware of the laws of the CFPB and FCRA regarding removing inquiries that are unknown/unrecognizable. She proceeded to tell me she would not remove it and that XXXX had to remove it. I let her know that I spoke to agents at XXXX and XXXX and that they gave me no issues after they understood my complete knowledge of my rights. She refused to put in a dispute and I was not going to go back and forth with someone who doesn't understand the laws that are part of their job.
Product: Debt collection

Repeated phone calls from Ally Financial to other people who may know me after they have been told to stop calling by those other people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2022 ; after reviewing my credit reports, I noticed INACCURACIES in the HARD INQUIRIES section of my Equifax and XXXX reports. I have attempted calling said bureaus and they have very long wait times and have taken over 30 days to respond by mail to my dispute of Inquires, also I'm upset the credit bureaus DO NOT have the correct spelling of my name. I will try to make it easy for Equifax, XXXX and XXXX by letting you know on CFPB which HARD INQUIRES do not belong to my profile. Please REMOVE XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ; I dispute and do not consent to these unauthorized " Hard Inquires ''. Additionally, under 15 USC 1681 I am suppose to have confidentiality ; These accounts on my report without PROOF of my consent is further violating my rights under 15 USC 1681 Section 604 A Section 2 : it also says the credit reporting agencies can not furnish an account without my written instructions.
Product: Debt collection

MCM XXXX XXXX XXXX is keep sending me repeated letters regarding a debt that is past the statute of limitations and even says so in the bill they sent me. Even says if I do pay that it would enable them to sue me for the entire debt. 

I have asked this company to delete my record as past the statute of limitations. 

account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked XXXX 3 times now at this point to remove a dispute that I had on my account reporting on Equifax. My loan officer told me this would impact my ability to qualify for a mortgage if I keep the dispute on. Despite the multiple attempts calling XXXX and speaking with 3 different supervisors who refused to give me a direct line, they are directly impacting my ability to buy my first home since they didn't do their jobs. I'm not sure what else to do and I don't understand why they're not removing my dispute. They keep telling me they have to submit a back office request that just sits in this queue waiting to be assigned to a representative. These calls occurred on XX/XX/21, XX/XX/21, and XX/XX/21.
Product: Mortgage

we always paid our mortgage payment so in XX/XX/2012 we refinance with Wells Fargo we were forced by the representatives to be awarded a month no payment. They intentionally lied to not pay XXXX month. We were shocked that a bank would betray theirs customers. And would not accept our payment even after we found out thru threats of forclosure attorneys fee total {$9500.00}. And refused any payment to correct it. We sort other agencies housing committee also XXXX agency. They gave us no other alternative but XXXX more years modified loan then sold us to specialized mortgage
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against TransUnion for their failure to address multiple unauthorized inquiries appearing on my credit report. Despite repeated attempts to resolve this issue, including sending multiple dispute letters and providing a police report, TransUnion has continued to ignore my concerns and failed to act in accordance with their obligations under federal law. 

Details of the Unauthorized Inquiries : The following inquiries are incorrect and unauthorized : Bank XXXX XXXX : XX/XX/year>, and XX/XX/year> XXXX Bank : XX/XX/year> XXXX  : XX/XX/year> XXXX XXXX XXXX XXXX : XX/XX/year> XXXX XXXX : XX/XX/year> Steps I Have Taken : Police Report : I have filed a police report with XXXX XXXX at the XXXX Police Department, which is included with this complaint as evidence of identity theft or fraudulent activity. 
Dispute Letters to TransUnion : I have sent multiple letters to TransUnion disputing these inquiries, attaching relevant documentation, yet TransUnion has failed to take corrective action or provide a substantive response. 
Applicable Legal Protections : Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681c-2 : Consumers have the right to block information resulting from identity theft or fraud upon providing proper documentation, such as a police report.

15 U.S. Code 1681i : Credit reporting agencies are required to investigate disputes regarding inaccurate information within 30 days and take appropriate corrective action.

15 U.S. Code 1681b ( f ) : The inclusion of unauthorized inquiries violates the requirement that credit inquiries be permissible under the FCRA.

Resolution Sought : I request that the CFPB intervene to ensure that TransUnion : Immediately remove the unauthorized inquiries listed above.

Conduct a thorough investigation into their lack of compliance with the FCRA.

Provide a detailed response outlining the actions taken to address my dispute.

The presence of these inquiries is adversely affecting my credit score and financial wellbeing. TransUnions continued inaction demonstrates a disregard for their legal responsibilities and my rights as a consumer. 

I trust the CFPB will hold TransUnion accountable and ensure compliance with federal laws. Please contact me if further documentation or information is required.
Product: Credit card or prepaid card

On XX/XX/2019 I received an email alert from XXXX XXXX notifying me that XXXX XXXX XXXX had charged my credit card for an UNAUTHORIZED amount of {$200.00}. But when I called XXXX XXXX ( the issuer of the credit card ) to inform them that this was a fraudulent charge, and that XXXX XXXX XXXX was stealing my money. They told me I had to contact XXXX XXXX XXXX and request a refund or wait until the charge actually post to my account and then file a dispute. WHAT? So in other words they told me I had to first wait until XXXX XXXX pay the thieves, then I had to call and ask the thieves for my money back. And if the thieves didnt give my money back, I had to contact XXXX XXXX a second time and dispute the stealing. This is absolutely terrible and totally unacceptable. How can a bank or any other company create a procedure like this? Whats the purpose of receiving alerts about fraudulent activity on my account if the bank much first pay off the transaction before I can dispute the fraud. The Consumer Financial Protection Bureau must make banks change their policies in order to better protect consumers.
Product: Student loan

Contacted Edfinancial Customer service via email on XX/XX/2024 as I had overpaid a loan which exceeded the loan amount by XXXX. Initially, customer service from Edfinancial responded on XX/XX/2024 stating that the overpayment would be reapplied to another loan and that " There is no specified timeline from the finance team on when these types of payment reapplications are processed. '' I responded on XX/XX/2024, expressing my concerns that the other loans will still accrue interest while my overpayment will be stuck in limbo ( i.e., not getting interest on the amount that I overpaid while they hold up my funds ). 

XXXX, from Edfinancial 's Customer service team, responded on XX/XX/2024 stating that a request had been submitted for my overpayment to be reapplied to another loan and to allow XXXX business days from this request for processing. 

As of XX/XX/2024, this request has still not been processed and there has been no further correspondence from Edfinancial 's customer service team.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reach out to XXXX XXXX XXXX XXXX  and to no avail, I have not received back the items that were requested in my Validation letter. Instead, i received a computer generated statement. Which I'm disputing In accordance of the ( FDCPA ), this has caused me detrimental health concerns due to the fact I have no knowledge of this account. My credit score has been affected. I am asking for this item to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see a Closed account from XXXX on my credit report and I never used XXXX before it was fraud and need this closed account from XXXX to get removed from my account
Product: Money transfer, virtual currency, or money service

XXXX is an exchange of XXXX to USD and opposite. I have an account with XXXX in XXXX and in USD. My account got frozen by XXXX with no explanation or offer on how to resolve it resulting in the hold of my funds. I am not able to transfer or withdraw funds. I tried to contact XXXX but unsuccessful. They do not have any contact number to call. I have sent 6 e-mails to the customer support ( that is the only mean of contact they offer ) and got 6 generic responses like this : " Hi there, We are experiencing a high volume of requests but are doing our best to get back to you as soon as we can. Thank you for your patience. 

Onward & Upward, XXXX Customer Support '' This has been ongoing for over 2 weeks and I do need access to my funds. 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my credit report pulled without my authorization and I have an inaccurate late payment showing on my account which I never authorized.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following hard inquiries are unauthorized. These accounts are frivolous and I need them removed from my consumer report. FCRA section 604 states that " A person shall not use or obtain a consumer report for any purpose unless " the consumer report '' is obtained for a purpose for which the consumer report is authorized to be furnished under ( FCRA section 604 ) '' and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer reporting agency under false pretenses.
Product: Debt collection

Called americollect about them validating a account. lady stated that i would reviece a letter from them with then 3 days and nothing as come. then almost 3 weeks later a bill comes in the mail from them for the account they are trying to collect on but not meeting my request to show proof of contract or signitures from the orginal papers was never sent. i have dispused this on my reports and nothing else has come of that minus it says it may be validated not that it is. then why cant the company send proof or this needs to be removed from my reports as paid off or false debt. if they can no provide the reports i am asking withthin the time frames but they sure can send a bill out. also would like to see if they did purchase said debt what that was.
Product: Debt collection

I had credit card debt with XXXX XXXX In XX/XX/2022 a settlement agreement was reached. The lump sum settlement was paid in full, on the spot ( at the time of settlement ). 

A company named Admin Recovery aggressively contacted ( over multiple phone calls ) in XX/XX/2022 trying to collect the debt not owed ( already settled and paid with the original creditor ). Apparently XXXX XXXX  made an error and charged off the debt to Admin Recovery ( even after the settlement agreement was made and paid ). XXXX XXXX ( recovery department ) has acknowledged that the payment was somehow not applied correctly. They assured me that they would correct the situation and " withdraw the debt from Admin Recovery ''. I called Admin Recovery and informed them of this situation and of what XXXX XXXX  said. Things were quiet for months. 

Admin recovery started repeatedly calling me again. I called XXXX XXXX  again in early XXXX and after a long wait, and multiple phone transfers, they confirmed that the account is settled in full ( since XX/XX/2022 ). They said they would send a fax to me to confirm that in writing, and also contact Admin Recovery stating that the account is settled in full. I never received the fax. 

Admin recovery is now again harassing with repeated phone calls and just today ( XX/XX/2022 ) left a long voicemail referencing my name ( and another name ) and debt owed. The voicemail greeting is generic and there would have been no confirmation that the phone number or voicemail belonged to me. This is highly inappropriate. Furthermore, continuing to attempt to collect debt not owed constitutes harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a report of a loan due from Sun Loan Company. The loan was taken out in Illinois and i have lived in Texas for more than 30 years. I had my identity stolen back in the year 2000, since then a lady has been using my social security number. She took out this loan as well as other credit cards she never paid back. I have her address in my credit account. A report to the IRS was made a few years back.
Product: Credit reporting

Experian has not validated accurately that the account of XXXX is my account. I have reported it as a fraudulent account to the Police and police report has been provided to the credit agency of Experian. Experian has not validate information from XXXX to the information that they have on file. Providing name, birth-date, and social security is not sufficient evidence to validate the account is mine. This is why it was reported as fraudulent has someone used that information to open this account. Please have this removed from my credit report of XXXX.
Product: Checking or savings account

On XX/XX/2023 I deposited a mobile check using the Wells Fargo app for the amount of {$1400.00}. I then on XX/XX/2023, in error, accidentally deposited it at XXXX. XXXX. I get I messed that up and that's my fault. The double deposit cause XXXX. XXXX  to not cash the check and it was never credited to my XXXX XXXX account. Wells Fargo also pulled the funds and opened an investigation case # XXXX. After several days they indicated that they had the funds and would return the funds to the originating account and that I should reach out to the issuer. The issuer is my employer, XXXX XXXX XXXX and they are also a Wells Fargo client XXXX They have confirmed that Wells Fargo has not returned the funds to their account. 

I have called Wells Fargo several times and have gone in person several times to my local branch. My local banker, XXXX XXXX XXXX, has confirmed that XXXX has not had the funds returned, and had to spend several hours on the phone trying to get help. She was unable to and just went in circles with their phone help desk. The bank XXXX, XXXX XXXX XXXX, became frustrated with the telephone support and suggested they, the XXXX employee, file an escalated complaint. They did this on XX/XX/XXXX and I have not gotten anywhere. Compliant ID is XXXX. 

I am looking for help in some shape or form to get the money returned to my employer or to have it deposited back in my account. It's not a small amount of money and it's impacting my financially. I don't know what else to do. Any help or support is greatly appreciated.
Product: Credit card or prepaid card

I paid an account that was charged off in the amount of XXXX. The money was electronically debited from my checking account on XX/XX/XXXX. Synchrony/JC Penney is telling me i have to wait 21+ days to get a letter showing my payment and that the account balance is paid in full. They didnt even send a receipt for the EFT from my checking account. I've talked to 3 or 4 representatives and each one has given a different answer about the wait time i.e. 21 days vs 21 business days. I have a home loan pending and i can not move forward without a letter and i planned around 21 days from the payment date, which is the info the last rep gave me, now as of today its 21 business days. Each rep has been unable to even give me an accurate date of when i can expect the letter to be available i.e what is the earliest date the letter can be generated? One person i spoke with today said 1 more day and that he would be filing a complaint internally. now the manageris telling me no letter will be generated until XX/XX/XXXX. I need help. Im a single mother of XXXX kids trying to purchase a home
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 


XXXX, account number : XXXX ; XXXX, account number : XXXX ; XXXX, account number : 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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Currently I am dealing with the second account restriction in less than 3 weeks with Coinbase. 

Im sure you receive lots of complaints regarding Coinbase, however their support is unresponsive. I have done absolutely nothing wrong and they will not disclose why they have restricted my account or what I can do to get it unrestricted. They are holding my money XXXX. 

I was able to get it resolved 2 weeks ago, but they recently restricted me out of nowhere again a couple of days ago. Im a fully verified ( KYC ) user with the highest level of verification - government ID and address/DOB provided to Coinbase. Other than general trading on their platform, there is nothing I could have done to get a restriction. 

Coinbase will not assist me or provide any type of transparency regarding this issue. I am asking for your help. 

Coinbase case number XXXX Coinbase complaint case number XXXX Best Regards.
Product: Debt collection

Unifin was trying to contact me regarding a debt. They never left me messages on my cell phone or sent me anything by mail. 

On XX/XX/2024 a representative from the company called my place of work and questioned the receptionist about my whereabouts and what my position was/is at my organization. This made myself and the receptionist very uncomfortable. 

When I called Unifin back the woman was very rude and was unwilling to work with me. She bullied me into a payment agreement that I can not afford. When I tried to work this out with her she kept saying odd things like " my clients will not be happy ''. 

After our call I reached out to them via email ( as I was told to do ) on two separate occasions, they have refused to answer my emails and work with me.