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 XXXXXXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 informationisinaccurate.

Please remove these Inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in an envelope sent to all three credit bureaus ( Experian, XXXX, and XXXX ), this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. The account was also deleted from my XXXX  report as well so in order to correct the inconsistencies between the Experian, XXXX, and XXXX  credit reports, the account needs to be deleted from the Experian and XXXX  credit reports immediately. 
The information for this account listed on my credit report is : CREDITOR : XXXX XXXX ( Experian ) and XXXX XXXX-FINANCE ( XXXX ) DELAWARE, BALANCE {$0.00}, OPENED XX/XX/2012, ACCOUNT XXXX ( Experian ) / ACCOUNT XXXX ( XXXX  )
Product: Debt collection

i called the collection company they did not have my name correct or the address or the phone number. i told them the account is not more. they are reporting the account was open XX/XX/XXXX then when i called they said the account was back in XXXX. 
XX/XX/XXXX XXXX the compant name is i.c system they want me to pay they collection agency.
Product: Payday loan, title loan, or personal loan

I totalled my XXXX XXXX in XXXX XXXX. It was paid off by my GAP insurance with XXXX. Ally Financial claims that they were short paid by XXXX. Several months later they are chasing me for the shortage that I was not liable for. They show my on my report XXXX days late and owing {$400.00}, which is not accurate. I am paid in full according to GAP. I am not liable for the shortage if there is indeed XXXX.
Product: Mortgage

Hello, I refinanced with PHH Mortgage Services Corporation, XXXX XXXX, XXXX in XXXXXXXX XXXX 
At that time, they had told me that my " silent second mortgage '' would be paid off w/said re-finance. 
I went to obtain a home equity loan from my credit union and they were the ones who alerted me to the fact that that " silent second mortgage '' was never discharged. 

PHH is now telling me that I owe HUD XXXX XXXX  - which I was NEVER advised of. Not by PHH, not by the closing Attorney. 
There is NOTHING in my closing documents that indicate this. I would NEVER have re-financed had I known this .... 
I had told the bank all along that the purpose of the re-finance was to do some house repairs- which we did. 
They never told us that we first needed to pay a HUD loan. Also, PHH made us pay off a Home Equity Loan, a loan we had on a hot tub ... XXXXWhy wouldn't they have told us that we needed to pay off the HUD Loan? Because they were being deceitful and not telling me. 
I FEEL LIKE I HAVE BEEN SCAMMED BY PHH AND NEED ASSISTANCE ...... 

Have filed a complaint with the XXXX as well. I have all of my emails and loan documents if you need copies ..... 

CAN YOU PLEASE ASSIST BEFORE I NEED TO HIRE AN ATTORNEY? I will be seeking DAMAGES as well if I hire an Attorney becuase this is holding up my home equity loan - and rates are increasing ..... 

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

i have submitted several letters to the XXXX, XXXX, and Experian to resolve these matters. i have pointed out the inaccuracies and inconsistencies and they still continue to report on my credit report. Experian and XXXX  claims they verified the bankruptcy reporting on my account. However XXXX XXXX has deleted the item from their report, because they could not properly verify it. i have enclosed the most recent letter sent to them, and the letter from XXXX  XXXX.
Product: Debt collection

I was told I was on a payment plan, theres about XXXX or XXXX of thiese medical charges., but I have been XXXX all my life, currently pending SSI, alot of these debts are over XXXX years old and I have no income to pay it back starting back passed 2011 which is under law have to be removed from my credit history
Product: Mortgage

Nationstar Mortgage has marked flagged my account as missing or delinquent payments. The incident started with Nationstar increasing my monthly payment from {$1900.00} for XX/XX/XXXX to {$2000.00} to cover an escrow shortage of {$100.00}. At no time was I made aware of this increase in any written, email, or telephonic communications. Therefore, I continued to faithfully and on time make my usual payment of {$1900.00} for XX/XX/XXXX and XX/XX/XXXX which Nationstar accepted as payment from XX/XX/XXXX to XX/XX/XXXX. At no time was my payment rejected for insufficient funds. I was finally made aware of this shortage only through a Nationstar loan officer as I was attempting to refinance through Nationstar XX/XX/XXXX as it went through loan processing. I immediately made a payment of {$210.00} on XX/XX/XXXX to cover the shortage for XX/XX/XXXX and XX/XX/XXXX to make up the shortage. At no time was I made aware of a new payment and was under the impression this was just an end of the year shortage. Also on XX/XX/XXXX I made usual payment of {$1900.00} the same day, once again under the impression I was up to date and current on my loan. In my entire history with Nationstar I have never missed or been delinquent on a payment. I was made aware of Nationstar flagging my account as late on XX/XX/XXXX through a credit monitoring service. I immediately contacted Nationstar and was finally made aware of a new payment of {$2000.00} and payed {$100.00}, which posted on XX/XX/XXXX to once again cover the shortage for XX/XX/XXXX. XX/XX/XXXX payment of {$2000.00} has been made and is up to date. After several phone calls with Nationstar I have been unable to resolve this issue of a simple escrow shortage and extremely poor communication from Nationstar. At no time was I delinquent on any payment, as Nationstar accepted my normal payment of {$1900.00} for the months of XX/XX/XXXX to XX/XX/XXXX. For a simple escrow shortage Nationstar has flagged my account and has negatively affected my credit score. I simply want my account restored to non late status and my credit score to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Card Services is reporting a charged off account on my 3 credit bureau files. I have never applied for this credit card and have attempted to contact them for correction. They refused to research and provide validation of debt as requested. I do not know the exact date that I contacted them but have done so on many occasions and am now requesting this be removed.
Product: Checking or savings account

I returned items and the bank is charging me for things I never received but I submitted proof of the fact I never returned the items. I even have one I did not complain about from XXXX in a supplement. They have refused to credit me from XXXX XXXX and XXXX XXXX. They left off a bil of XXXX from XXXX but the bank is trying to cheat me out of my money as everything was returned to these people but they are refusing to give me credit for these purchases. I am enclosing letters from the bank and proof of non receipt on these items. I am out thousands of dollars for things I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was impacted by the XXXX security breach and want to place a freeze on my credit. The fact that I need to PAY money to freeze my credit to fix this giant error by a company that clearly does n't care about it 's customers is just terrible. The American people should get free credit freezes/unfreezes in general.
Product: Credit reporting or other personal consumer reports

My XXXX  balance is at {$0.00}. It still shows that I have a balance on this credit card but I do not. This has to be resolved immediately.
Product: Credit card

XX/XX/XXXX we had an engagement party on our daughter. I called Citizens Bank 2 days before to be sure my Mastercard credit card was all set to use. There was a {$60.00} balance on it. They told me it was all set. When we went to use it at the end of the party we were told it was declined. The whole situation was totally embarassing. On Monday i went into Citizens Bank in XXXX, RI. They reported the instance and assigned a case number. Months went by and no one got back to me. I called a couple of months ago and that call prompted them to look into it. They called it human error. Evidently, when I called to be sure the card was fine we got talking about a better card which may carry points. Well because of the conversation they closed my current credit card and reissued a new one which i received in the mail 10 days later. They never told me they were closing my present credit card. Also when I went into Citizens Bank on that Monday the representative there told me a person can carry as many as XXXX Citizens Bank credit cards. We have had a credit card with Citizens Bank since 1972. This is all recorded and they are calling it human error and for them that is the end of it. Well for me it is not ; we were totally embarrassed in front of the family members and new family members. Everyone new there was a problem with payment. You can explain all you want but you know they are looking at you saying " Yea Right. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto Finance reports that they were included in my bankruptcy. More importantly, they state in the Comments section of my XXXX report : BANKRUPTCY CHAPTER XXXX, BANKRUPTCY DISCHARGED. This suggests that I discharged my debt to them in my bankruptcy, which I did not. My account was always in good standing and on time throughout my loan. I tried calling about this today and the Capital One automated system said they could not help me, then disconnected. 

I had to include my Capital One auto loan account in my bankruptcy as a matter of procedure. In reality, I filed a DEBTOR 'S STATEMENT OF INTENTION on XX/XX/XXXX as part of my bankruptcy, meaning I was keeping and purchasing my car and continuing to pay Capital One. I did indeed pay off my loan early to Capital One on XX/XX/XXXX. Secondary confirmation of payoff : Capital One misquoted my payoff amount and had to send me a follow-up letter and refund check on XX/XX/XXXX. 

Why is Capital One allowed to suggest that I was a bad account with this reporting and language, when I was always a good account, and since they were not adversely affected by my bankruptcy? Capital One should not be allowed to place a derogatory report on my credit report when they had ZERO loss. Punishing good accounts seems a very bad business practice for Capital One.
Product: Debt collection

I received a letter from my current employer alerting me that my check was being garnished.. when I called the XXXX XXXX who is responsible for the garnishment they said they tried to contact me using an address that I have never lived at and they werent able to verify it was me. I asked them to mail me proof that I was responsible for the debt they sent me a letter trying to verify my identity AFTER the garnishment court date telling me I had 30 days to verify debt.. I went to the courthouse and they told me the court date had passed and the court signed of on a garnishment before the company XXXX XXXX even verified I owed the debt. I do not owe this debt I wasnt even given the chance to prove it wasnt my debt.
Product: Checking or savings account

On XX/XX/2023, I called Wisely Bank to have funds transferred from my primary card to to my secondary card. The deposit was made on XX/XX/2023 for {$510.00}. It's my only income and is a monthly social security XXXXXXXX payment. When I lost my job, my online access to the account became unavailable because it was trying to send confirmation codes to a work email address and phone number that I no longer had access to. I had lost the primary card, but couldn't have a new one mailed because the would not change the home address on my account because I couldn't verify the email or phone number. So every month, I call to have the funds transferred from the primary to the secondary card. The agent I spoke with transferred the funds into a savings account instead of the secondary card. When I called back to correct the problem, I was told that it was an error that it was moved into the wrong account, but it could not be moved into the correct account. I told them I had to have access to my money so they escalated the call to a supervisor. The supervisor told me they could move it one time " as a courtesy '' since it was their fault it was put into the wrong account. Again, I checked my account and no money. I called again, spoke to a SECOND supervisor who told me that the money would be available in " a couple of hours ''. That was at XXXX. At XXXX, I checked again, still no money. The agent I spoke with told me that it was " escalated '' and waiting to be approved by another supervisor and to call back today, XX/XX/2023. I called this morning, and spoke with a supervisor who told me that there is absolutely no way to move the funds out of the savings account back into the checking account so I can access it. So I was lied to by two separate supervisors and still can't access my money. I asked for them to change the phone number or email address on my account so I can access it online but they told me that I have to send a copy of my driver 's license with a utility bill in my name. I do not have ANY utilities in my name, they are all in my husband 's name. So now, they have my money and I am completely at a loss as to how to get it back. Please, please help me.
Product: Debt collection

My employer received a notice of wage garnishment from JOHNSON MARK LLC. It states that it was the Second notice to the employer, but my employer said they never received a first notice. There was a court hearing to obtain judgement for this wage garnishment that I never received notice of and was unaware took place. I have tried numerous times to contact this attorney 's office and can not get a response, to even find out what this is. It is now showing up on my credit report and may have an effect on my ability to rent a home by the XX/XX/XXXX expiration of my lease. I noticed the judgement date says XX/XX/XXXX. The copy of the judgement says XX/XX/XXXX. Then it says I have 10 days to file an answer with the court. My employer didn't even receive this until XX/XX/XXXX. Then it goes on to state something about XXXX XXXX. I am not an attorney and do not know what it is talking about. I need help. I feel like I am being CREDIT BULLIED! There is nothing I can do if I can not even get a response from this XXXX office. I NEED HELP! PLEASE!!!
Product: Mortgage

Carrington Morgage Service purchased the loan servicing of my mortgage from XXXX XXXX XXXX without notifying me of the change. I had paid the mortgage each month for years with a ACH withdrawal directly from my checking acct. When they presented the first withdrawal request to my bank in XX/XX/XXXX the bank processed the request and deducted the funds from my account. Three days later the funds were returned because CMS rejected the transfer. Neither the bank or CMS contacted me that there was a problem. In XX/XX/XXXX CMS presented another withdrawal which my bank honored. CMS accepted the funds this time and credited them to my XX/XX/XXXX payment thus showing my account 30 days delinquent. This process was repeared again in XX/XX/XXXX. At this point CMS had still not notified that there was a problem. Then in XX/XX/XXXX they did not submit a withdrawal request to my bank. I discovered the problem when I received my XX/XX/XXXX bank statement and an email from XXXX CMS had reported my mortgage 60 days delinquent. I contacted CMS and was told my bank had not processed their ACH request and that I was over {$4000.00} behind in my mortgage payments. I immediately sent them a check for the entire amount and followed a few days later with another check for approximately {$1700.00}. 
I then pulled my bank statements and found where my bank had in fact honored their ACH request. I have forwarded copies of those statements to CMS but they have ignored the information and continue to report I am delinquent in my payments to them. They refuse to provide me with any contact information other than a PO Box number. I have now sent them XXXX different letters explaining the situation along with copies of my bank statements clearly showing where they returned a ACH draw to my bank. They have ignored everything I have provided them and not only continue to report to the credit rating agencies I am 60 days delinquent but also to charge me late fees and refuse to accept future ACH payments.
Product: Debt collection

My understanding is that medical bills can not affect my credit score. This is a medical bill from my XXXX XXXX XXXX
Product: Vehicle loan or lease

West lake portfolio XXXX XXXX XXXX says I owe XXXX on a car loan the car has been repo
Product: Credit card or prepaid card

Recently I had XXXX  dollars stolen from my bank of america account.there was two atm withdrawals of a XXXX dollars each on XX/XX/XXXX and XXXX that I did not do.i filed a claim with the bank and ordered a new card and was told to take out the rest of my money from their customer service representative.the bank closed my claim without investigating and is refusing to reinstate my money that was taken from their bank .I followed their instructions on how to handle the matter and now they are telling me that it was fraud and that my claim is dismissed without even following up with me.the bank is responsible of any unauthorized charges and I demand a refund.
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. XXXX Child support Nebraska : XXXX Child support Nebraska : XXXX Child support Nebraska : # 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: Debt collection

My lender informed me this was on my credit. Interfering with my ability to purchase a home. I have not heard from this company.
Product: Credit card or prepaid card

I am missing 5 payments from my reliacard and they will send me an email saying money has been loaded on it and it never has been. Its not even in the summary theres nothing