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

Hi I am submitting this XXXX XXXX without 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 XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX 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 XXXX i made this clear for XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX  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 XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE
Product: Debt collection

BANK OF AMERICA has put derogatory information on my credit report in relation to this account when in fact the company " BANK OF AMERICA '' wrote the account off with the IRS as a profit and loss so they were compensated for this vehicle. I AM NOT IN POSSESSION OF VEHICLE IN QUESTION. XXXX is reporting this account on my report with a balance that is NOT owed by me. IN FACT THE DEBT HAS BEEN PAID IN FULL! BANK OF AMERICA has not only been compensated by the UNITED STATES GOVERNMENT VIA FEDERAL TAX REPORTING AND BUSINESS CREDIT but XXXX XXXX OR XXXX have NEVER had my permission to report this account on my credit report. HOWEVER THEY ARE ACTIVELY REFUSING TO TAKE IT OFF MY REPORT WITH NO EXPLANATION IN WHICH VIOLATES USC 1681b PERMISSIBLE PURPOSE XXXX, XXXX AND OR XXXX DOES NOT AND HAVE NEVER HAD MY PERMISSION WRITTEN OR IMPLIED TO PUT ANY OF THIS ON MY CREDIT REPORT publicly or privately furnishing this inaccurate information to any credit grantor affecting my chances of gaining credit and having a decent chance at life. especially due to the car not being my car or owned by me and specifically due to the company being compensated by the IRS for said Vehicle
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent information reported on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 15 U.S.C. 1681c-2, and to request that this information be blocked and removed immediately. 
I have attached a copy of my FTC Report ( FTC Report Number : [ XXXX ] ), along with additional documentation supporting my claim. This report demonstrates that the information in question is the result of fraud and should not appear on my credit report. 
Pursuant to Section 15 U.S.C. 1681c-2, when a consumer submits an identity theft or FTC report , credit reporting agencies are legally obligated to block or remove any information identified as fraudulent within four business days.

The information on my credit report was reported without my explicit consent or written authorization. This constitutes a violation of my rights as a consumer under the FCRA. Therefore, I request that this information be blocked and removed immediately.

I would like to inform you that I have been a victim of fraud, as unauthorized accounts and transactions have been reported in my credit history. I have also filed a complaint with the Federal Trade Commission ( FTC ), and I am including a copy of this report for your reference. 
All required documentation to support this claim is included in this package and has been sent to your agency via fax and certified mail. I demand that the following fraudulent accounts be removed from my credit report without delay : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XX/XX/year>23 XXXX XXXX XXXX XXXX/XXXX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

There are third party XXXX XXXX on my credit report that do not belong to me and I did not authorize. This is a violation of the XXXX act. Here are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I authorized Citibank to withdraw funds from my XXXX XXXX account ending in XXXX. 

For reasons, no one at Citi has explained, funds were withdrawn from another account at XXXX ending in XXXX. 

Not only is the security of my account compromised, I was assessed an overdraft fee of {$35.00}.
Product: Credit card or prepaid card

On XX/XX/21, our car was broken into and my wifes purse was stolen. One of the cards was a Chase XXXX XXXX card. The thieves went and bought gift cards at a local XXXX right after the theft. We reported the theft and the fraudulent charges immediately, as in within the hour of it happening, and also filed a police report. Two months go by, and we assume Chase handled the matter, just like XXXX, XXXX and XXXX did ( we only have 4 credit cards ). Then we receive a statement from Chase this month with the charges on it. When initially contacting Chase, the rep said we were sent a letter ( which we absolutely did not receive ) and then told us we had to speak to the fraud department. Each time my wife called, the department was closed, until today. Today my wife reached a rep XXXX XXXX ) who told us that the account notes say my wife, " said that we still had the card in our possession ''. Really?? Someone needs to check the recording of my wife calling in on XX/XX/21 before implying that she's lying. It was STOLEN so obviously NOT IN OUR POSSESSION!! Then XXXX said we need to send in a copy of the police report AND suggested we make the minimum payment due on the account. Upon being told this, my wife became irate and I took the phone from her and spoke to XXXX. Unfortunately, I can't say that I was any more composed then my wife. I let him know that I will file complaints with the CFPB, FTC, and other relevant regulatory bodies and get my contact at the local media to run a public interest story about the theft, and include my experience with Chase XXXX XXXX customer handling. I've done 2 of the 3 with the filing of this complaint. I've reached out to XXXX executives as well. Its completely unfathomable the way weve been mishandled. Weve never missed a payment and did everything we needed to, to report the theft! 
In addition, we are buying a new home. We have no debt, so I doubt this will be the case but, if this impacts our credit score, I will take legal action and make sure Chase/XXXX  gets as much attention as I can draw to it.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. Upon reviewing my credit file, I noticed the following inquiries that I did not authorize : [ XXXX XXXX ] [ XX/XX/year> ] In accordance with the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 2 ), hard inquiries require express authorization from the consumer. If an inquiry is not authorized or verifiable, it must be removed from my credit report under Section 611 ( a ), which grants me the right to dispute inaccurate or unverifiable information. 

As these inquiries were not authorized by me, I am requesting that you immediately investigate and remove them from my credit report. I have attached a copy of my identification. 

Please be advised that, at this time, I have placed a freeze on my credit to prevent any potential fraudulent activity due to the unauthorized inquiries. I believe this precaution is necessary to protect my credit and personal information while we resolve this issue. 

Please provide me with written confirmation of the removal of these inquiries or, if you believe these inquiries were authorized, provide proof of my consent. Failure to do so within XXXX  days constitutes a violation of the FCRA and may result in further action. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates to my address above.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding LLC placed an account for collections in my name on XX/XX/XXXX. I sent the company 2 written request for them to validate this debt on XX/XX/XXXX and XX/XX/XXXX via USPS Certified mail. I recieved responses from LVNV Funding LLC on XXXX XXXX XXXX XXXX and XXXX XXXX. All XXXX response letters consisted of only billing statements from the supposed original creditor. LVNV Funding LLC never provided me with the necessary proof, such as an original contract with my WRITTEN signature on it to validate this debt. They also failed to meet my requests for proof of licensure to collect within my state, proof that debt collection is within the statute of limitations, as well as Agent 's name and license numbers. I have gone through 3 rounds of validation requests from the 3 major credit bureaus and well as a written complaint to each bureau stating that LVNV Funding LLC has not provided me with sufficient evidence that I'm responsible for this debt. Anyone can simply allege that I owe them money. LVNV has continuously violated my rights as a consumer by reporting inaccurate, invalidated, derogatory remarks on my credit reports and is in violation of the FCRA.
Product: Debt collection

Before I knew my options with debt and my credit afni had harassed me with multiple phone calls. They reported the debt to the credit bureaus which affected my credit in a horrible way. I decided to final give into their harassment and paid the XXXX account on the last phone call we had afni had stated that they understood financial hardship and damage to the credit and said if I paid them it would be removed from my credit. I asked what it took to do that. I was told once payment ( {$100.00}. ) cleared they would request the bureaus to remove it. I was informed as little as 4 weeks but up to 12 to update. So I paid them around XX/XX/XXXX. Only to realize I was lied to. They dont even have the required license in Michigan. 

License # XXXX agency/non-owner manager license XXXX XXXX XXXX XXXX license # XXXX
Product: Debt collection

Around XX/XX/2018, there was were faulty plumbing, wiring, and heating unit issues in the property I was renting/leasing at the time. I was told by the landlord that it would get taken care of immediately. It never get taken care of, as a result, the electric bill for one month alone was over {$1000.00} due to these faulty issues. The landlord was supposed to pay this bill, since it was his fault. However, instead this was charged to me. I was not informed this would affect my credit, but since I could not get any hep from the landlord, I did my best to pay this debt anyway. I never received any notice that this would be transferred to collections. However, when collections did call me earlier this year, I still attempted to settle the debt by getting on a payment plan for the sake of my credit. They told me that this would not be reported negatively on my credit report if I began a payment plan. So I proceeded. I have discovered that that they STILL reported negatively on my credit report, and this is hurting me terribly. All this for a debt I do not even owe. I can not get any help on this matter from the company collecting the debt currently listed on my credit report CREDIT MANAGEMENT LP. I also could not get help from XXXX XXXX XXXX who initially charged me such an outrageous bill from a faulty home that the landlord was supposed to repair. I was never even notified in writing about the outstanding balance or that it would be sent to collections. I spite of all this, I am still on the payment plan and am working to pay off this debt I should not owe as agreed when promised it would not affect my credit report if I took action. With that said, I would like to please get this negative remark removed from my credit report ASAP. Although I wish I did not have to pay this at all, I understand someone needs to pay it and I know my former landlord will not. I truly appreciate any effort on this issue.
Product: Checking or savings account

On XX/XX/XXXX, a XXXX XXXX Transfer was set up fraudulently in the amount of {$300.00} ( x3 transactions ) and {$150.00} ( x1 ) for a total {$1100.00} to come out of my checking account, as an ATM bankcard transfer. I did not set this up. I did not provide my ATM information to anyone and believe my card must have been fraudulently copied or obtained illegally. I notified the bank the same day when I received an email confirmation from XXXX XXXX regarding the transfer. The bank initially closed and refunded the money. However, the bank then came back and denied the investigation stating they found the charges valid. M & T Bank confirmed the money wire was picked up in The XXXX, NY on XX/XX/XXXX. XXXX XXXX claims the money was picked up in XXXX Washington on the XX/XX/XXXX. The transfer was set up in the name of XXXX XXXX XXXX. XXXX is my maiden name which I haven't used legally since XXXX. XXXX XXXX stated XXXX XXXX XXXX ( my daughter ) was the receiver of the funds, but she was not the receiver of the funds. I have sent funds to my daughter in the past in XXXX but it required a confirmation number. These funds did not go to my daughter and I did not authorize funds to be transferred. I believe someone has used previous transaction records to fraudulently set up this transfer. I have disputed this with the bank and XXXX XXXX. XXXX XXXX complaint was filed with them in XX/XX/XXXX and they have delayed the investigation and have not gotten back to me. They asked for a police report which provided in XXXX. As of XX/XX/XXXX at XXXX, Ms. XXXX told me to call back in another week. They always stat e to call later. Several case # s assigned. Bank and XXXX XXXX refusing to help. I had bill pay set up on my account and this has caused significant hardship with overdraft fees and late payments.
Product: Debt collection

I have a loan with Lendmark Financial located in XXXX, XXXX XXXX I have a grace period until the XXXX of each month, but Ive received a phone call everyday since XXXX and 3 times today XXXX from XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is very stressful as I am already dealing with health issues. A payment will be made today, I understand the contract I signed I dont need the harassing phone calls making my condition worse than it is.
Product: Checking or savings account

My small business account was sent and received ( please see screenshots ) 2 XXXX  transaction market XX/XX/XXXX. The funds still have not made it to my bank account. I was told on XX/XX/XXXX that it would come that night or the latent Saturday morning XX/XX/XXXX. Funds to the timexof this complaint have not been deposited unto my account. Truit XXXX  sent Texts to my ph showing that the payment were received. However each Truist employee and Supervisor has give a different time frame on when I will have the funds. Apparently all of the truist employees say that money was sent from customer 's bank XXXX XXXX XXXX XXXX as a delayed transaction. This doesn't make sense because I received norifocation that funds were received. Now they are telling me were received but not delivered. My local branch did contract Truist on my behalf and was not able to get a resolve. Funds are not in a pending Status but Show received XX/XX/XXXX.
Product: Credit card or prepaid card

I did not receive the XX/XX/XXXX Statement in the mail. I received no phone call from Credit Card Issuer they had not received payment. I was notified via a credit reporting subscription service advising me my credit limit had been decreased. I visited the Credit Card Issuer 's website and saw that it had indeed been decreased along with a late charge. Upon further review of my records, I never received the XX/XX/XXXX statement. I requested an review and refund for the late fee for {$29.00} and reinstatement of my credit limit and received no response. I do not want this to adversely impact my credit rating for a late payment beyond my control and further damage by lowering my credit limit. Late payment fee and minimum payment requirement were made XX/XX/XXXX the same day I was notified by the credit monitoring company.
Product: Debt collection

Debt collector calls on a daily basis. I have answered several calls to inform them I did not open this account and have no knowledge of it. It was opened without my knowledge or consent. 

They do not have an actual date of the original credit card being opened just when the " bought '' the debt. I don't even know if they have an actual debt. 

When I spoke to the reps on the phone and told them this is not mine and fraud they say they will note and the very next day I get another call from a different rep saying they don't see those notes?
Product: Credit reporting or other personal consumer reports

I requested Experian to adjust my credit history : A. They reported delinquencies that did not exist B. They refused to give me my annual report by claiming they couldn't verify my identity C. They listed same accounts multiple times ; with same account listed as delinquent in one report and non delinquent in the same report D. They kept my credit report less than XXXX for over 4 years E. Every time I call they're XXXX agents with limited English G. They promised to mail my report and still awaiting
Product: Debt collection

Intercepting my taxes without validate the debt. I sent them a written request to prove I owe this money. They did not sent any documents that the money was issue.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan with Mosaic for a home improvement loan. This loan was a loan that requires no payments due for the first 12 months. Once my loan was approved, the funds for the construction were wired directly to XXXX XXXX, which is a preferred construction company with Mosaic, and was contracted by Mosaic to complete the work. To this day, after more than a year has gone by, XXXX has failed to complete any work, and now Mosaic is contacting me about monthly payments due when no work or services were ever completed. In addition, XXXX XXXX has contacted Mosaic and me by both phone and with a letter confirming that they failed to complete any work and that XXXX is taking full responsibility for the loan and payments. I have also contacted Mosaic by phone multiple times requesting that, due to a breach of contract and no work or services received from XXXX XXXX, I would like a full cancellation of the loan. Mosaic refuses to cancel the loan, and due to this, my credit has been negatively impacted, credit accounts with high dollar credit lines cut drastically ( i.e. ) lines from XXXX & XXXX cut to XXXX and XXXX and interest high rates gone 10 % to XXXX and XXXX and XXXX Closed my Account with a XXXX line a look at my credit reports would show no lates in the last 15 years, which now has created extreme financial hardship for me and my family as a senior citizen. THIS SENIOR FINANCIAL ABUSE. I have uploaded the signed letter received from XXXX XXXX showing they have failed to complete any work and are taking full responsibility for the repayment of the loan. Mosaic is unwilling to cancel my loan and make XXXX XXXX responsible for the repayment of funds that XXXX received.
Product: Debt collection

I had my mortgage with CitiFinancial I was late a few months on payments I got harassing phone calls and then I was told if we did not settle within 2 weeks they would contact a sheriff and have us thrown out I never received any information on any services that could help us catch up on those payments and we were never able to get to the principal we were always paying just on the interest thousands and thousands of dollars a year so after that phone call to kick us out we moved. I had an auto loan for which they immediately began to garnish employment checks for almost 3 yefor. XXXX XXXX, 2017 I received a letter from Citifinancial saying that they are going to forgive the remaining loan amount of {$280.00} we have not received any statements whatsoever in 3yrs say how much we have paid and what the dates were from those garnishments. I tried contacting them many times over 3 years to get balance owed and verification of payment they say they will send them but do not. Since I lost my home almost 4 years ago I have never received anything from them so I have no clue what I have been charged for except that each time they submitted a garnishment for wages I had to pay Sheriff fees collection fees interest fees on a loan for {$3000.00} I paid over {$14000.00} for not to mention I 'm a single mother who got my first home through the first time home buyers program and they took it from me what do I do? 2 times after calling and giving them my information I get disconnected when I call back they do n't answer. I recently discovered when going to check my credit report that on my mortgage they apparently sold it but they left a remaining amount of {$1.00} Wing them on my credit report!!!