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

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on  my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Td Bank/Td Card services has been illegally upcharging interest on my credit card bills. For example, Td Card Services charges interest on debits that have been refunded. Td Card services/Td Bank also claims I paid late, when I never did. In fact, I have proof via their outdated faux-app which is merely a website saved on an iphone/android homescreen that proves i paid, yet TD charged me late fee 's regardless of the fact. I have reached out to TD via phone, mail, email and even social media, to no avail. I have screenshots, screen recordings, call logs and countless pieces of proof that shows the negligence and outright illegal acts TD has displayed. I am a XXXX veteran, regardless, TD shoud n't be taking advantage of any one person, whether they served the United States Military and was rendered XXXX due to valor on the battlefield.
Product: Credit card

My wife, XXXX XXXX, has been told numerous times by Capitol One representatives that her annual fee can be waived if she calls in by a certain date and requests such. This has been done numerous times over the past few years. This time she called in and spoke to an escalation specialist who told her that this would not be possible, despite what she had been told by previous representatives. XXXX asked that this person speak to her husband, XXXX XXXX. The escalation specialist refused to speak to XXXX, stating that XXXX would need to perform some disclosure that he never actually requested. When asked what would be required, he refused to say, even after XXXX requested the disclosure. He absolutely refused to continue the process. When asked to speak to a manager he stated that there was no one higher up in the company that we could talk to.
Product: Credit reporting or other personal consumer reports

On r about XX/XX/year> I went to XXXX XXXX XXXX to purchase a vehicle while waiting I noticed my credit had been used by XXXX to run my credit an this wasnt the only time they ran my credit information without my consent I happened on XX/XX/year> an I have a active fraud alert on all three credit reporting agencies.. with XXXX instructions that I should be called if any credit is to extended too me.. an I never received XXXX call so there inquiry was unauthorized an each other financial lender had no authority to run my credit .. they violated my consumer rights an the fair credit reporting act .. an I would like to b compensated for each inquiry the some of XXXX $ an would like all hard inquiries removed..
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit line XXXX XXXX XXXX XXXX XXXX FRCA Violation collection XXXX XXXX XXXX XXXX XXXX FRCA Violation address and names XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am one of many that has become a victim of the EQUIFAX hack and believe that providing me with one year of credit monitoring service will not keep the hackers from selling my information to XXXX XXXX so they can steal my identity and cause me to become homeless. I am writing this because unfortunately you guys are the only ones honest and with the resources to correct this problem before it turns into a nightmare for the little guy!! Any info and/or actions you can provide will be greatly appreciated by me!!!
Product: Student loan

Over the course of the loans I had taken out I was steered in the direction of forbearance options many times and only offered help in reducing payments one time as XXXX XXXX. Then as Navient took over that option was taken away. After taking out $ XXXX in loans I will be paying back $ XXXX to satisfy the loans on the current plan. I pay more for my student debt than the mortgage on my $ XXXX house!!!
Product: Checking or savings account

I opened an account in wellsfargo XX/XX/XXXX and with out I knowing they did have me unroll me in a called XXXX XXXX XXXX XXXX I did signed for that but on XX/XX/XXXX I had an accident that stoped me from working social security give the benefits on XX/XX/XXXX in XXXX XXXX I couldn't work so I did have a place to stay so I end up in XXXX with my family I started the XXXX in XXXX XXXX. Few months ago wellsfargo send me a latter about this benefits would end soon then I knew about this benefits and that wellsfargo has been taken money from my account paying for a service I didn't know about charges or the benefits they told me that's if I get to be in XXXX they may help me. I talked to them about my health issues then they said it would work for me sinse im in XXXX I applied for the benefits but now they wanted a letter from doctor in XXXX XXXX I sent them my papers from social security that states im in XXXX sinse XX/XX/XXXX they asked for the first time I talked to them but now they wanted a letter from my doctor here in XXXX I'm a XXXX something year old lady who this bank wellsfargo is trying to take advantage of
Product: Credit card or prepaid card

Have not received miles for purchases that I made in XXXX! I should receive XXXX miles for restauarant purchases back in XXXX! It is now XXXX and I still havent received them. Every time I contact Amex I have been told they were issues pending/ they said this 3 months ago. And I still havent received a single mile out of the over XXXX miles I have earned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my XXXX credit report and seen global lending services unauthorized inquiries that I didnt authorized I tried to fix this with XXXX but they told me to contact the actual company according to the law I demand these unauthorized inquiries be remove from my XXXX credit report please. 


Unauthorized inquiries are : Global Lending Services. XX/XX/2019 Global Lending Services. XX/XX/2019
Product: Mortgage

From the beginning, I have always made my payments on time. Roughly about two years ago my wife, XXXX XXXX XXXX XXXX XXXX and it was my responsibility to take care of her.. so I reached out to my mortgage company and applied for help with one of the payments. They instead of giving me the option of one month they said oh I could get up to three months and that those three months would be put at the back of the loan just to help. so I thought this was a gift from XXXX, but never did I know years later, it would come up as something dishonest that they did. I tried to go and refinance my home and try to get XXXXXXXX to help me with that.. what they uncovered at XXXX XXXX was that mortgage company took out a second mortgage on my home to cover the past due payments. I did not agree to that nor did I know that they were going to do that to me.. here we are present day and for the past couple of months because of bad weather with snow, tornado destruction and my companies lack of loads because I am a truck driver. My hours have fell short, and my checks are even shorter. I am also going through a separation and a divorce from my wife. With all of this, I have several times tried to reach out to this mortgage company often staying on the phone about 45 minutes waiting on someone to come to the phone to help me for the phones to get disconnected. No one respond back through email they call or claim to call and Leave me a voicemail send they called but my phone never ring me reaching out to them via email asking them to call me from a different number or provide me with the number they are calling so that I can at least save it in my phone. They denying that me trying to tell them can I please send in partial payments just to show that I am trying to pay you guys for them to tell me that was declined, me asking and begging them to set up some type of deferment or some type of push to the end of my loan payment to keep me from going behind. They denying that me setting up XXXX emails requesting to have a conversation with them only for them to set up a time and not fulfill their promises. I am getting nowhere with them and at this point right now my account is showing delinquent by a large amount that I really dont have, I have been trying to ask for help. I have been praying for help and it seems like to me no one wants to help and it is not fair that you asked for help before it gets to this point no one wants to help you and then once it gets to this point, its like nothing they can do, so I am just looking for help. I can get to get someone to give me justice from this company.
Product: Debt collection

I sent a complaint to LVNV Funding LLC and RESURGENT CAPITAL SERVICES responded to my Federal Complaint. I do not have a contract with them or LLC Funding LLC for that matter. Neither of them are the Original creditors pursuant to 15 USC 1692g. 

LVNV Funding LLC must respond to CFPB Case # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting another CFPB complaint to you today to request once more to remove the fraudulent accounts and information that are being reported on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Below is the list of accounts and information that you should have removed a long time ago. lease let me know if you require anything else. 
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. Also, you have failed to send me copies of proof of verification from your alleged " investigation ''. If you truly verified these items by means of proper investigation, you should have sent me any supporting documents. Failure to deliver these document should have resulted in the deletion of the disputed items.
Product: Checking or savings account

Bank of America took my money out of my joint account that I have with my wife to satisfy a late payment for a business account that was established before I was married. My wife is NOT listed on the business account. This is the second time they've done this. 

The first amount was taken out on XX/XX/year> in the amount of {$3000.00}. 
The second amount was taken out on XXXX, XXXX, XXXX  in the amount of {$2100.00}. 

My wife and I both contacted the bank to let them know that we did NOT authorize the transaction and they stated that they had to right to take our money for an offset payment. 

The account in question is a business account that was created by myself before My wife and I were married. 

The account that Bank Of America unlawfully withdrew funds from is a savings account that my wife and I have for our house savings. We sold our house and have been having a hard time finding a new one due to the current market and with BOA taking our funds from our account, we haven't been able to make offers on homes. 

I would like my funds returned to me immediately.
Product: Credit card

On XXXX, I ordered a XXXX XXXX XXXX XXXXXXXX Amount in XXXX, the device is defective so I send it back to XXXX, and the package lost in transit, so XXXX issued me the refund, however I never received the refund, but XXXX claims they did, so I open a dispute to my bank, however my bank declined my request, even I upload them the evidence with refund invoice and email communication with XXXX. The dispute with all my evidence is on XX/XX/year>,
Product: Checking or savings account

I did already complain about a fraud that occurred on my account yesterday they re open the case after I saw my account overdraft - {$1200.00} then I saw positive my account because re open the case but didn't give back XXXX back after the XXXX claim was re open XXXX was total {$2800.00} only received XXXX back im very frustrated
Product: Credit card or prepaid card

Hi! 

I have had a capital one card for years. 
A year ago both my accounts were compromised and the capital one has not tried to negotiate. They harrass me everyday for payment.
Product: Debt collection

GALAXY INTERNATIONAL PURCHASING , LLC Currently is a third party debt collection agency representing a previous creditor XXXX XXXX  at once I participated in business transactions with in the past. This collection agency has violated so many FCRA principles and laws on my behalf. No only have they harass and continue to harass various relatives of mine, theyre also sending my private information to their place of residence. As, a completed Disturbance of the peace and defamation to humiliate my family and I Im request legal action against this firm and completely removed from their call log and do not contact national list.
Product: Mortgage

This is my XXXX complaint. Tha company changed my payment to. XXXX. Which I intent to pay. But it should have been effective on XX/XX/XXXX. It is still XXXX. I need credit for overpaying for a couple of months. I will gladly make up any payments. I have started.paying the correct payment. Some where a check has been lost. I ha resubmitted it. No one seems to care to help me with this.
Product: Credit card

I am a Citibank credit card ( Premiermiles/Platinum ) holder. Without any official or oral notice from the bank, my card was frozen this noon and resulted in no availability to pay my lunch with my client, which made me so embarrassing. After back to office later, I phoned the customer service and found out that my credit card was frozen for the reason of high risks of not personal using. 

First of all, I ca n't believe that how could they judged my consumption and payment with this card is not personal using. I traveled a lot and also paid hotels, meals, gifts and leisure. What is personal using? How do they approve my payments are not personal purpose? 

And also, I had not received any notice, even no call/message to inform me that my card would be frozen. Now I could not check any information about my previous statements history and rewarding point is zero. I am going to apply for a XXXX visa, now I do n't know how to approve my financial affordability without the bank statement. 

The annual fee for this platinum card is over XXXX USD which I was forced to pay it in the XXXX month of my using this card. It has been only 4 months for my using this Citibank card. The bank would not be returning proportional money as they have frozen my card. 

All in all, as an ordinary card holder, Citibank is making unfair movement to me as they could always use the corporate privilege against individual client.
Product: Credit reporting or other personal consumer reports

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

I told the XXXX, Transunion, and XXXX to reinvestigate these account : XXXX XXXX XXXX XXXX XXXX, CA XXXX Account Number XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I am writing to formally file a complaint regarding the mishandling of my direct deposits and the unacceptable level of customer service I have experienced with your bank. 

I received a promotional offer for a new checking account via mail and proceeded to open the account online as instructed. My employer successfully deposited two of my work checks via direct deposit into the account without issue. However, the third deposit was unexpectedly rejected by your bank, causing significant disruption to my financial affairs. 
We received a letter that said we reported identity theft. We did not such thing. 
In an attempt to resolve this matter, I contacted your customer service team. After waiting on hold for hours, I was informed that no one over the phone could assist me. I then visited a local branch, only to be told that I would need to wait 90 days before the issue could be resolved. This is completely unacceptable and has caused unnecessary stress and inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is not abiding by consumer law and is severely harming my reputation by leaving fraudulent accounts showing on my consumer report. Transunion at the address of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. There are two fraudulent repossessed car loans and hard/regular inquiries that are reporting on my credit report and file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are not transactions made by me as the consumer. The hard inquiry of XXXX XXXX XXXX XXXX is also not mine. I have filed an FTC identity theft report, handwrote a letter and certified mailed it to all CRA 's. 

TRANSUNION has not removed these accounts/hard inquiries within the allotted time period, and though I have made numerous calls to them there has been no remedy. I have been put on mute by supervisors, put on hold by supervisors who didn't return to the phone for an absurd amount of time, and have been told numerous times that they have a 30 day policy in removing items from my report ; however, 15 USC 1981c-2 STATES ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consume.
Product: Debt collection

I have been trying to resolve an issue I have had with this company for at least two years. I was told to contact a law firm regarding this account which I did and they told me to call Midland. I called Midland and told them I just wanted to settle this matter and they stated they were not currently collecting on the account. They indicated the would call and let me know who now was in charge of the account. I never receive any return phone call. I do not understand how they can report this account on my credit report and update it monthly, causing maximum damage to my credit score. However, they are unable to tell me who to speak to about this account. This has become ridiculous and I want this removed from my credit report immediately.