23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XXXX XX/XX/2024, I deposited a check at the ATM at the Chase Bank in XXXX XXXX. The ATM asked if I was withdrawal or deposit. I select deposit check. I inserted check. It scanned and said there will be a 7 day hold. Being that I need the money immediately, I did not consent to deposit my check and wanted it back. There was no option to return my check out of the ATM. There was only the option to continue. I did not press the button, the ATM did it for me. The bank would not help in any way. The definition of theft is the taking of ones property with out consent. I did not consent to the seven day hold. If I handed the check to a teller and they told me there was a seven day hold and I declined but she/ he refused to hand my check back, they would be commuting a felony. The bank is responsible for the actions of their machines as much as their employees. The bank can not take a {$1000.00} check and keep {$500.00} and say oops that's our ATM doing that to bad
Product: Credit card

I used my Home Depot card to finance my new roof including materials and installation. The roof is leaking causing water damage inside and outside my house so I contacted Home Depot. They told me to contact XXXX Warranty Claims Dept which I did and as requested sent XXXX shingles purchased from Home Depot. In XX/XX/2023, XXXX for Claim No XXXX said there is nothing wrong with the shingles and the damage was caused by the installation of the roof. XXXX told me they would contact Home Depot. I have not heard back from XXXX or Home Depot. The roof is guaranteed for 16 years.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and Im the consumer submitting this complaint on behalf of myself without any third party being involved. The listed accounts was furnished without my written consent or authorization nor permissible purpose see attached with the identified companies who are improperly furnishing this information to my consumer report without lawful authority or my written consent which is a result of identity theft.XXXX  XXXX opened XX/XX/XXXX amount owed {$12000.00}, XXXXXXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX {$0.00}, XXXX XXXX opened XX/XX/XXXX {$0.00}, XXXX  XXXX BANKRUPTCY REF : XXXX XX/XX/XXXX. Incorrect addresses that doesnt belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX My only Address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Any address outside of this one needs to be removed from my consumer report immediately. Incorrect Employment info : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, Retired Pursuant to 15 USC 1681e ( b ) accuracy of a report is required. Pursuant to section 313b of the FACT Act it was enacted to mandate in a manner which consumer reporting agencies & furnishers of consumer information to the CRA 's are complying with the procedures, timelines, and requirements under the FCRA for the investigation. The FCRA does not require furnishers to report to CRA 's but if they do report to them, they must comply with certain provisions of the statute. You have 4 days in accordance with 15 USC 1681c-2 to remove this fraudulent information from my consumer report.
Product: Student loan

I came out if my deferment period in XXXX 2017. I attempted to negotiate income based payments but was denied and issued threats to go after my co-signer. While trying to negotiate payments over a period of 4-5 days, and being sent in circles, I was able to apply for forbearance which lasted until XXXX. When I tried to re-apply for my second term of forbearance, beginning XXXX, the company withdrew a payment and set my forbearance to begin in XXXX. I am unable to make payments and have no ability to negotiate my payments. Interest is accruing and Navient has been more than dismissive.
Product: Credit reporting or other personal consumer reports

The delays in payment and account closure are not my responsibility. On XX/XX/year>, I received a settlement letter from TD Bank for {$6000.00}. However, the payment instructions provided were insufficient. The online system was inaccessible as it was locked to me, and the provided phone number connected to a XXXX XXXX promotion scam without any payment option for TD Bank. The letter included an address for wire transfers or checks but didn't specify if the check should be made out to TD Bank or Raymour Flanigan. 
Numerous attempts to resolve the issue over the phone were unhelpful, as operators refused to discuss it on a recorded line. On XX/XX/year>, XXXX ( ID : XXXX ) assured me that I would receive a letter with updated information, which never arrived. She instructed me to make the check payable to TD Retail Card Services at XXXX XXXX XXXX, XXXX, SC XXXX. 
After waiting for the promised letter without success, I sent the settlement check along with a copy of the settlement letter. The delays stem from TD Bank 's mismanagement, yet my credit scores have dropped by over XXXX points, and the credit bureaus still report the account as open and in default.
Product: Debt collection

To whom it may concern, I got a collection call from someone who had confirmed my XXXX   address at XXXX. She had told me that because my cell phone are code was XXXX that she thought I still lived in XXXX but had my XXXX address on file and asked me to confirm it. This had awoke my XXXX year old as well. Credit Control Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I AM VERY FRUSTRATED. MY RIGHTS ARE BEING VIOLATED AS A CONSUMER. It has been brought to my Attention that the Credit reporting agencies are Willfully Neglecting my rights as a consumer. I have reached out to the Both THE bankruptcy Court of XXXX XXXX as well as XXXX XXXX which they have stated are the verifying of this data .I have correspondence from THE BANKRUPTCY COURT that they in fact do not report anything to credit reports. SO WHY IS IT REPORTING THAT ON MY CONSUMER REPORT! THAT IS NOT 100 % ACCURATE ACCORDING TO 15 USC 1681e ( b ). I also have no contract with this company allowing them to REPORT to my consumer reports. THIS IS INDEED FRAUDULENT AND I AM DEMANDING THESE ACCOUNTS BE DELETED. 

YOU ARE IN VIOLATION OF 15 USC 1681e ( b ) - MAXIMUM POSSIBLE ACCURACY 15 USC 1681a ( 4 ) - ACCURACY AND FAIRNESS 15 U.S. Code 1681c2 - Block of info 15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Debt collection

I was XXXX XXXX XXXX XXXX  in XXXX. I cancelled my phone bill with XXXX XXXX XXXX XX/XX/2018, last date of service XXXX. Two years ago a Debt collector reached out to me saying I owed XXXX dollars for my phone bill. XXXX XXXX did not cancel my plan and continued to charge me for 6 months. I have submitted documents to the debt collector, and they will not drop the debt. I then submitted a complaint about the debt collector through the CFPB, but because the debt collector is a smaller agency, they were not required to respond. I submitted paper work to TransUnion trying to remove the debt from my credit however even after submitting ample poof that this debt is not owed, TransUnion refused to remove the debt from my credit.
Product: Credit reporting or other personal consumer reports

I submitted this letter via USPS First Class Mail, and received a response saying that it was not me requesting Transunion to correct my personal information, Even thought I provided the attached legal private legal documents. The address the XXXX reporting is not my address ( XXXX XXXX XXXX XXXX, AZ XXXX ), in fact does not exist. I am requesting they immediately delete this from my consumer report. Here is is the text I sent to them, and also a copy of the letter I sent out via USPS. They are stalling and refused to delete the information my my consumer report even thought I provided provided my private documentation and non public Social Security Number. 

This is what I sent : Thursday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX | XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed, please ) : XXXX XXXX XXXX XXXX, AZ XXXX There should only be one address listed on my report, which is the address I printed at the top of this letter. 

Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

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

I an entry on my Transunion Credit Report about a {$250.00} debt to XXXX ( Acct # XXXX ) which appears to be in collections. I do not own such debt and it does not appear in my other credit reports.
Product: Credit reporting

I recently got denied credit from mcu bank for a personal loan and also for a credit card from XXXX for.XXXX, i believe someone is using my personal information and applying for businesses and credit cards from states i have never lived in or even visited, the only states i ever been to is XXXX, XXXX, XXXX and XXXX nowhere else, i dont even have family in other states just XXXX.
Product: Debt collection

I called them to try and pay off my debt. I was going to pay off XXXX XXXX I asked for a receipt for proof of payment and remaining balance and they told me no. I asked why the keep increasing the balance and they could not give me an answer.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

Good morning. I was recommended to your site by the State of CT, Dept of Banking. In XX/XX/2018 I purchased a new house. During the financial transactions between my attorney and XXXX in XXXX, someone copied my attorneys email info and wire transfer form and got me to ok a wire transfer from XXXX XXXX to a XXXX   XXXX XXXX account. XXXX XXXX did not confirm this transaction so sent the money to the fraud account. The amount was {$90000.00}. We found out the next day and immediately filed an IC3 report. XXXX XXXX did the same. The money was transferred from XXXX   XXXX XXXX to Wells Fargo. Wells Fargo alertly caught the exact dollar amount and froze the account that the money was put into. The problem is, is that Wells Fargo is not releasing the money to me, nor are they being communicative with the XXXX XXXX people. I filed a IC3 report and a police report through XXXX XXXX police department. I then contacted the AG office, then the CT dept. of Banking which led me to you. Please help me. I dont understand why Wells Fargo has not released this money back to me. 

Thank you,
Product: Credit reporting or other personal consumer reports

Remove the following accounts from my credit report because they are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Telephone XXXX XXXX XXXX Telephone. XXXX
Product: Credit reporting or other personal consumer reports

The information stated in the account I have sent a copy of my id and proof of addressto update the information XXXX Incorrect names : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX XXXX Employment : XXXX XXXX XXXX XXXX XXXX XXXX Equifax Incorrect names XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX Incorrect address:XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX XXXX XXXX XXXX ( c ) Furnishing reports in connections with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquires, except as provided in section 15 USC 1681G ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

The following inquiries are a result of identity theft and was not initiated by me, I demand that they are DELETED immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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. XXXX 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 719XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XXXX/XXXX/2023, XXXX Date of Inquiry XXXX/XXXX/2023, XXXX  Date of Inquiry XXXX/XXXX/2023, XXXX XXXX Date of Inquiry XXXX/XXXX/2023, XXXX XXXX  Date of Inquiry XXXX/XXXX/2023, XXXX XXXX XXXX Date of Inquiry XXXX/XXXX/2023 & XXXX XXXX Date of Inquiry XXXX/XXXX/2023
Product: Credit reporting or other personal consumer reports

I need your assistance with an incorrect account on my credit report. This issue is harming my reputation, and I require your help to resolve it.
Product: Credit card or prepaid card

On the XXXX  day I had contacted them concerning a cosigner to help me and my family get into a house but on the first day they reached out what nothing never did I had to find everything myself and I end up not found a place to stay we're currently in a motel right now so we never found the place I haven't heard anything from them they didn't do anything they stated that they sent out something to the company well I was trying to get a place at but I never heard anything from them so I can explain more later but it's it's basically what happened
Product: Money transfers

I had send {$3300.00} .XXXX through money gram I want to get that money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I figured out in my credit report accounts that I have never authorized and plus simply I do not recognize them. This is illegal and highly detrimental to my credit rating. So please recheck and investigate and remove all of them as I can not move in in my life when I have unknown information in my credit report. I am very distressed now. The items must be deleted from the report as soon as possible.
Product: Checking or savings account

For more than 7 years the XXXX at Wells-Fargo have arrogantly refused to listen that it's impossible for us to phone an 800 number within the US from another country. While this is unbelievably stupid, it's also cruel, especially when one 's finances are involved. They have made me suffer for more now than 7 years. 

I HATE THEM, I'M SICK OF THEIR ATTITUDE OF SHUTTING OFF ACCESS TO MY ACCOUNT THEN PLAYING SICK GAMES DENYING ME ACCESS TO MY MONEY SO I CAN LIVE. 

THEY MUST BECOME PROFESSIONALS AND LISTEN TO, AND HELP THEIR CUSTOMERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act XXXX XXXX account # XXXX, and XXXX account # XXXX, Has violating 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: Credit reporting, credit repair services, or other personal consumer reports

I purchased a free trial with Experian credit works and unable to look at my recent credit score with other two bureaus and Im getting error messages while refreshing a credit score and Im unable to get that score and Experian needs to fix the error
Product: Debt collection

Hi, I 've been contacted many times by this collection agency and they are claiming it 's my debt when it 's not. I 've repeatedly asked them to stop and put it in writing for them to stop. I 've disputed the validity of the debt and the only thing they have on me is a SSn. I do n't know what to do. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

DR  XXXX XXXX sold my medical information and violated my HIPPA rights to the company MODERN ADJUSTMENT BUREA. 

Also XXXX  is still reporting this information despite a violation of my HIPPA rights. 

None of this debt has been validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 3. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 4. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 12. there is some inaccurate information reporting. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 14. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 15. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 16. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account 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: Credit reporting, credit repair services, or other personal consumer reports

Last week my Transunion credit score dropped XXXX points without explanation, to XXXX, as reported by XXXX XXXX. 

My Transunion report shows nothing to substantiate such a drop. Numerous calls to Transunion revealed nothing. Their agents would not even confirm that a drop actually occurred, much less substantiate the reason why.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I requested my mortgage company, Selene Finance, to be placed into forbearance due to the pandemic slowing work and desperately trying to get the house ready to be sold. We were placed in forbearance XXXX, XXXX and XXXX. I began paying again in XXXX. I paid 2 payments in XXXX for XXXX and XXXX. The was sold at the end of XXXX. During that time i tried to reach out to the company on several occassions via phone and email. I could never get anyone to talk to me about my account to make sure everything was on track being that were back into paying payments. When we sold the house we tried 15 times between us and title company to recieve a pay-off letter. It wasnt until 3 weeks later that i recieved a letter in the mail. Their XXXX i owed them sat in an escrow account the entire time. They were paid, they satisfied the loan with the courts. 
Then when i ran my credit again, they placed a 90 day late payment in XXXX on XXXX ( never a 30 day or 60 day ). I have tried several times to work with them and i have now spoke to 15 different agents and i get a different answer every time. 
1. i was told that since i paid the loan off early it kicked us out of forbearance 2. I was told the title company paid the mortgage {$14.00} short 3. I was told the XXXX payment was applied to XXXX and so on. 

The list goes on. Everytime i try to get someone to help me, I am told to email customer service and then i never recieve a response. I have every bank statement, all document and all information that shows that we did everything keep ourselves in good standing with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act XXXX XXXX Account : {$3700.00} XXXX XXXX XXXX XXXX, Account : {$8700.00} XXXX XXXX : {$5000.00} Enclosed are the following : Theft Report and proof of my identity.