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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck 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 and XXXX and 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 three 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 inquiries 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 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed   now.with no help.
Product: Credit card or prepaid card

I had a American Express card opened in someone elses name and auto payments taken from my personal account. XXXX XXXX  recovered XXXX of the payments and told me that American Express was liable for the remainder of the amount that the person took from my account via ACH payments. American Express stated that they could not tell myself or the police that are running an investigation who the person was andvthat i have to take the lost money as a loss. I would like for them to : 1. Inform thr police of the person on the card 2. Re efund my monies - XXXX that were taken from my account to pay for this card 3. I assumed thr payments were for my card and American Express closed my sccount for lack of payment. This has ruined my credit and i would like my credit cleared from these account going into default. 

If the money was applied from my account to my cards directly i would still have a higher credit score. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have always made my payment through their phone payment system, selecting to use the last account on file. 
I recently chose to use the online version to pay the bill. It gave me the same option to use the last account on file to pay the bill. I did so. 
Four days after I authorized this payment the returned and said the account was invalid and it was returned. 
Upon calling I was informed that the account was found invalid and a fee was charged. The fee was unable to be waived as it is a customer driven website. That no changes could be made to the page except from the customer. 
When asking to speak to a manager to this regard, as I didn't enter any account information, I was transferred to XXXX. According to him reference ID XXXX. He answered the phone extremely aggressively and disrespectfully. Instead of trying to assist me, he only tried to show why I was wrong, instead of showing me why this happened or for that matter what even happened. 
Then when I started asking questioned, he admitted the account in question had been deleted, once it was returned. Meaning the account that is only 'customer driven ' does have effecting factors outside of the customer. I was asking to see when that account had been added, which he responded the system deleted it. I said I wanted to see how it was an an option that I could select, if I hadn't entered it. His response was he provided sufficient proof and the charge was valid. When he didn't provide any proof. 
When I asked why it didn't use the account I used last, he stated that the phone and the online systems are different. How am I supposed to know that as a customer that they have multiple systems just to handle my personal account. They are all simply my account. 
Then he chose to end the call instead of explaining this to me. 

On a separate note, he kept referring to me as a customer, instead of a guest, which I thought was their whole mantra. 

So I feel this is a gross negligence of the Fair Credit Billing Act ( FCBA ) https : //www.ftc.gov/sites/default/files/fcb.pdf. As they are charging me a fee without showing me how this happened or justifiable proof how it happened. I asked for them to show me the account in question, instead only offering the last three digits. I asked for them to show me when an account other then the one I used on the phone service was added to their online platform, and was refused this. I simply selected to use the previous payment method, which is the same process I use on their phone service, and now not only are they refusing to take my payment to that end, they are also hitting me with a fee, that was caused by their system.
Product: Credit reporting or other personal consumer reports

Equifax continues to show how XXXX  they are. They have opened several investigations without my knowledge or consent. These investigations were opened on XX/XX/2023, XX/XX/2023, and XX/XX/2023. At no time did I authorize any investigations be opened on my behalf, nor did I dispute anything with Equifax on those dates The customer service representatives also deceive, LIE, about removing items that are or were in dispute and XXXX XXXX unless it comes to trying to sell you XXXX of Equifax 's products. They are slow to respond or update things on my credit profile as well.
Product: Debt collection

There are multiple claims/charges for the same DOS with different XXXX codes! My Medicaid insurance has a contracted rate with XXXX XXXX XXXX XXXX I paid my deductible in full as required. XXXX indicated that claims have been adjudicated but billing did not apply them correctly. This is resulting in a balance due. My XXXX XXXX  did not start until XXXX  and I provided this information in multiple occasions to XXXX to conduct " Coordination of Benefit ''
Product: Money transfer, virtual currency, or money service

This complaint relates to XXXX and PayPal. I used the latter to pay a recurring subscription for the former ( XXXX subscription that had ceased to be available ). I could not find a way to cancel the subscription through XXXX or XXXX. So I tried to cancel it through PayPal. PayPal makes it incredibly hard to figure out how to cancel a recurring payment and the instructions they provided could not be executed. I decided to cancel my account with PayPal and in the process they offer a warning that doing so may irreversibly impact my reputation. This is fraud! This would never be tolerated by a bank. Why is tolerated for a non depository payment company?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/1995 Balance : {$21000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I opened a  Checking and Savings Acc ount with Bank of America.     A few days after the accounts where opened I deposited money in both accounts. A day later I tried to access the accounts by logging in online and access was denied. I was told when I called the risk department the bank decided not to do business with me and the accounts were closed.     I was also told during that call that I would need to go to the local branch to get my money back. I went to the local branch and I was told they couldnt give my money back because they dont have access to closed accounts and the risk department should have told me they would mail the funds back to me.   In the meantime, I keep getting new account information from Bank of America regarding the opening of the accounts ( see attached document ). But no mention of the money they are attempting to steal.     I have attached documents showing the money is there and I would like my funds mailed back to me ASAP ...
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service an unfair practices which violates the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measure to prevent and dress fried on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with resolution requirements under the electronic fund transfer act and regulation E these actions have caused a significant inconvenience and financial loss I seek appropriate redress for these violations
Product: Mortgage

My home at XXXX XXXX XXXX XXXX wachee XXXX was stolen from me in a foreclosure XX/XX/XXXX In XXXX my husband got laid off after the bo. Oil spill so I called wells fargo to apply for a hamp modification. I was told I had to be in default before I could apply. Not wanting to lose my house I continue to pay during that time and it placed in a special account (. Never saw that money again ). Finally at the 3 month they key me apply. My documents for the application were lost although not faxed sent in a XXXX XXXX mailer. Then I received a letter in the mail that I was being foreclosed on. XX/XX/XXXX I was served. ( you have 20 days and I XX/XX/XXXX no lawyer is in their office. Thank XXXX I already had a lawyer we were waiting on me getting served. So I called and the next day we signed on the dotted line and retained a lawyer. 
On XX/XX/XXXX my XXXX case was dismissed with prejudice because wells fargo failed to produce discovery. 
I was served again XX/XX/XXXX ( this time close to XXXX they just love that ) We hired my attorney again. This time I did a deposition, still no discovery but nationstar takes over in XXXX. They offered me a predatory modification I paid months before I learned it was predatory and refused that. Then. XX/XX/XXXX was a set trial by XXXX XXXX judges. The judge sent out a letter wanting to know what everyone was presenting at trial since there was no discovery. XXXX answers ( and its on my XXXX ) they do not have any original documentation so the trial was continued. In XXXX note # XXXX vtrmg mortgage asset trust took over. My original lawyer was disbarred and vtrmg kept calling instead of calling my new lawyer. So my new lawyer started a lawsuit with them for calling me at work. At trial for XX/XX/XXXX. No discovery, no letter from XXXX. The new lawyer i highered stated if we go to trial we will lose!! With no discovery I was forced into a settlement the night before trial. Then I didn't sign for a month When I finally received it a month later which included the dismissal of the other lawsuit we didn't discuss that. All fraud!!!! 
They stole my house XX/XX/XXXX. 
Then to top it off they filed a lost note affidavit the day of trial after I was forced into your settlement. Then they paid XXXX $ at an auction for house that way in my name!!! A XXXX $!!!! If they owned the house now are they buying it for XXXX $ why was i not emailed to buy my own house for XXXX XXXX 
Then the news about the wells fargo settlement https : XXXX? XXXX & XXXX How do I become pay off this settlement and get my money for being a victim of XXXX XXXX I am a Florida XXXX of 36 years Am homeowner in florida since XXXX to go through this horror is rediculous Please help. At XXXX my home equity is fine stolen. My investment gone. I think this was all fraud.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX BALANCED {$2900.00} XXXX XXXX BALANCED {$640.00} XXXX  XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00}
Product: Debt collection

On XX/XX/2023 Portfolio Recovery Associates took social security and XXXX protected funds from my bank account in the amount {$2.00}, XXXX without my knowledge or permission. I, XXXX XXXX, after doing research, filed a Protected Property form XX/XX/2023 with the XXXX XXXX XXXX XXXX and appeared in court as instructed on XX/XX/2023. Portfolio Recovery Associates did not show up and the Judge did not allow me to speak on my behalf and called another party at the same time that was not part of my case. As a result I suffered a financial hardship and I've been reaching out to XXXX XXXX XXXX and informing them that the funds recovered for Portfolio Recovery Associates is protected but they still keep giving me the runaround. So today I am filing this complaint because I continue to be treated unfairly.
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I do not have to answer 5 or more question to get access to my accounts at the bank I call at XXXX XXXX XXXX  EST on XX/XX/21 and the woman just keeped asking questions, would not tell how many question I have to ask. This is XXXX. 

When I talk with XXXX her supervisor he said really in not how many question you answer right or wrong it tone and a feeling. 

I will take all my money when is convient if I have to go through this XXXX to handle my accounts when I call. 

Pull the tapes and listen to the recording.
Product: Checking or savings account

SoFi bank decided to restrict and then close my account on Friday XX/XX/XXXX while I was in the middle of XXXX shopping. No warning, no request for information, no opportunity to move money out of the account- I just got an email that they were restricting my account and when I called they said they were going to close the account due to me violating company policies ( couldnt tell me what I did and upon reviewing their terms and agreements page believe Ive done nothing wrong!!! ). Called several times and was given no explanation, no opportunity to remove my money, NOTHING. Mind you its 5 days before XXXX and now I have XXXX access to my remaining balance!! I was told a check would be mailed 7-10 days AFTER they actually close the account which is who knows when.. this is poor business to do this to families 5 days before XXXX!!!!
Product: Debt collection

This is a medical collection that is being reported illegally on my credit report. This is violating my privacy and HIPAA law. I would like for this account to be removed from my credit profile within thirty ( 30 ) days from today or you are opening yourself up for litigation. 


Merchants Credit Guide ( XXXX XXXX XXXX ) Opened on XX/XX/2023 XXXX
Product: Debt collection

On XX/XX/XXXX my father called me stating he received a call that this XXXX person said they would be sending the police to his house. 

I called the number back and he stated he talked to me 8 weeks ago and that I said I am not paying, take me to court. 
This never happened. He then stated he knew where I worked, what my hours were and he was sending someone to my job. This was a statement made with no action in regards to collecting on the debt. Just that they would be sending someone out to by job for me. 

I spoke to someone maybe a year ago where they proceeded to tell me everything that was on my credit report and accost me about not paying my debts.
Product: Payday loan, title loan, or personal loan

This company refuses to work with me by lowering the monthly payments to something I can afford as I do not have a full time job any more. They continue to harrass me with phone calls and text messages. Also the interest is outrageous and causes the payback cost to increase exponentially daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation other loans XXXX XXXX FRCA Violation collection XXXX XXXX  FRCA Violation personal information XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FRCA Violation auto loan late payments XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance to the Fair Credit Report Act Companies/creditors listed below has violated my rights. 

15 U.S.C. 1681 section 602 states I the consumer have a right to privacy.

15 U.S.C. 1681 SECTION 602 SECTION A 2 : Also states consumer reporting agency can not furnish a account with out my written instructions. 


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

THESE ARE UNAUTHORIZED ACCOUNTS WHICH IS CONSIDERED FRAUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I am attempting to reach my service provider : Neltnet and determine the right loan repayment for me. They are completely useless when it comes to responding. 

I called Tuesday morning ( XX/XX/XXXX  ) and was on hold for almost two hours. They never gave me an updated waiting time. I e-mailed them on XX/XX/XXXX. A month has passed now with no response. There has been NO updates from them.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX 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 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a letter in the mail for BME Services, saying I owe {$1800.00} for an emergency XXXX XXXX. Im completely blind to the amount, trying to whats going on
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting everything on my credit report has to be 100 % accurate. 
The Credit bureaus stated my account was properly investigated but how can that be possible when the balance on the count mentioned below is not accurate. This is grounds for immediate removal of this account from my report. Also, for the following reasons, my rights have also been violated : 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, states a consumer reporting agency can not furnish an account without my written instructions.

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

Also, the credit bureaus took more than 30 days to complete their investigations.. 

Please find attached tracking numbers for certified mail. 

XXXX XXXX Account XXXX also- XXXX Original creditor- XXXX XXXXXXXX XXXX XXXX Account number- XXXX XXXX XXXX XXXX XXXX XXXX TransUnion- Tracking- XXXX Account number- XXXX Original creditor- XXXX XXXX XXXX
Product: Bank account or service

I noticed a fraudulent charge on my checking account with Capital One Bank. I ccalled and was told to come in and close the account. The account had a XXXX babalance and nothing pending. I closed the account. The banker cut the cardI have the paper where the account was closed. Now I am getting letters from CCapital one with NSF charges on the account after it was closed. I called thebank several times and was told that it is being taken care of. Now the feesare up to XXXX dollars. I spoke with a supervisor and she stated thatit was their mistake and for me to come in and close the account. 
I do n't want to do that because I already closed the account. Now she wantme to pay the fees and then close the account
Product: Credit card

The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.