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 XXXXtransunion has me at a score around XXXX. 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 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 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 XXXXThis 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 XXXX 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 XXXX XXXX  now.with no help.
Product: Checking or savings account

Yes I spoke to manager that calledme a male with accent an he asked will I be making deposits like I previously did last two months ago. I agreed an he said ok he'll keep the account open an recently I was approved for {$500.00} to cover past balances an the bank altered my account first online with enrollment fraud then blocked access during loan verify then closed it an called twice blaming me. I like the account recovery with a {$3000.00} settlement for the trouble. An they wanted me to sell My falsy imprisoned brother XXXX XXXX for a {$3000.00} loan I got denied for as a result. I dont do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed two Bankruptcies that still exist on my report that show a XXXX XXXX to represent me which is incorrect. Ive disputed these items several times and they havent been looked into properly there is never a status change of date the status dates are from XXXX and XXXX. Please remove these files from my report or send me proof of verification as I didnt file these. 
Thanks
Product: Credit card or prepaid card

I am a ten year patron of Capital One..in the past they have let me lower my interest rates.

I called today and was meant with a from no. They representative told me that the company no longer lowers credit interest rates. I was informed I would need to cancel my card ( which would negatively impact my credit score ) and apply again.

This is such a scam. Purposefully making people close an account to lower their score in order to receive a slightly better interest rate?? This seem like they are purposely trying to worsen your score so they can profit.

Many other companies allow you to lower so long as you're a good customer and have a good credit score.

This is so upsetting as I will have to look for another card if this company forces me to cancel due to astronomical interest rate. I was never formally informed of this change in policy either.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XX/XX/XXXXBalance {$120.00} Open Date XX/XX/XXXXXX/XX/XXXX Balance {$180.00} Open Date XX/XX/XXXXXX/XX/XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXBalance {$5000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$840.00} Open Date XXXX XXXX, XXXX XX/XX/XXXXBalance {$5800.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1700.00} Open Date XX/XX/XXXXXX/XX/XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXBalance {$0.00} Open Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXBalance {$1800.00} Open Date XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXBalance {$1600.00} Open Date XX/XX/XXXX XXXX & XXXX XXXX {$1500.00} XXXX Date XX/XX/XXXX XXXX XXXX Balance {$1400.00} XXXX Date XX/XX/XXXX XXXX & XXXX XXXX {$1000.00} XXXX Date XX/XX/XXXX XXXX & XXXX XXXX {$1000.00} XXXX Date XX/XX/XXXX XXXX XXXX XXXX Balance {$620.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$610.00} XXXX Date XX/XX/XXXXXX/XX/XXXX Balance {$520.00} Open Date XXXX XXXX, XXXXXX/XX/XXXXBalance {$520.00} Open Date XX/XX/XXXX XXXX XX/XX/XXXXBalance {$490.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$420.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$180.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint to Remove Late Payment from Credit Report I am writing in response to your recent communication dated XX/XX/year> regarding my previous dispute. Despite your assertion that everything is accurate, I must insist that the information in question remains incorrect, and there is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). FCRA Section 611 ( 15 U.S. Code 1681i ) As per Section 611 of the FCRA ( 15 U.S. Code 1681i ), I am exercising my right to dispute the accuracy of this information.

I request that you investigate this matter and remove the incorrect late payment entry from my credit report. FCRA Section 623 ( 15 U.S. Code 1681s-2 ) Additionally, according to Section 623 of the FCRA ( 15 U.S. Code 1681s-2 ), information furnishers are required to provide accurate information. The creditor, XXXX XXXX XXXX, has failed to meet this obligation by reporting a late payment that did not occur. Therefore, I request that you promptly contact XXXX XXXX XXXX to verify this information and correct my credit report accordingly. It is your legal duty to verify this information with the original creditors and delete or correct any unverifiable information within the 30-day timeframe. However, since it has been over 30 days since my initial request and no corrections have been made, I am giving you a final deadline of 15 days to resolve this matter. 

XXXXXXXX XXXX XXXX XXXXXXXX Date of Incorrect Late Payment : XX/XX/year>
Product: Checking or savings account

My company deposited a check into my Bank of America account and the bank closed my account as soon as the check was deposited. I asked them why and they said it was their choice. I asked well how would I get my funds and they said a cashier check will be mailed once the account was closed. Instead of receiving my cashier check I received a letter that my funds will be held until further investigation. I remind you while the account was closing the check was on hold for more than 10 days starting from XX/XX/2022 until XX/XX/2022. Within that timeframe they should have done their investigation. The check cleared and they are still holding my funds. So then I called and asked to speak to a supervisor and they escalated the issue and still no response on why they are holding my funds. I asked what can I do to help with this because they check cleared. I think this is XXXX XXXX
Product: Debt collection

Just recently got a letter from convergent saying i owe an alleged debt of {$710.00} I haven't done any business with this company nor did I have a contract with this company they are in clear violation of my consumer rights under the FDCPA 15 1692b ( 2 ) stating that I owe an allege debt and 15 usc 1692b ( 5 ) I am attaching a cease and desist letter to stop all further communications
Product: Debt collection

I have contacted Wells Fargo on numerous occasions regarding this alleged debt. I have addressed them about the billing error on this account. On XX/XX/XXXX Wells Fargo illegally repossed my vehicle. According to 15 U.S. Code 6802 - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party which Wells Fargo did as well as they willingly damaged and seized my property. 
Fact, I, am aware that Wells Fargo the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumers credit standing without resolving the billing error. Such actions by Wells Fargo will forfeit its rights to collect the disputed amount as described in 15 us code 1666 ( e ) and hold the creditor liable under 15 us code 1693m for the actual damage, caused to I the affiant as well as held to criminal liability pursuant to 15 US code 1693n failing to present required documentary evidence as requested to clarify and resolve the previously addressed billing error XXXX XX/XX/XXXX Wells Fargo was sent an affidavit of Cease and desist, which no representative has responded to, instead on XX/XX/XXXX I was sent a letter of Wells fargo threatening to Repossess my vehicle once again which is a direct violation of the congress law pursuant to 15 U.S code 1692. The fact that Wells Fargo states i owe anything is misleading. Pursuant to 18 US code 8 obligation is that of the US.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have tried over and over again to get accounts removed from my credit file that do not belong to me and in addition was not opened by me. I need your help in getting these items removed from my credit file : The following items are not mine : XXXX/XXXX  - Bal : {$0.00} on ( TU XXXX XXXX XXXX and {$2100.00} XXXX/XXXX - Bal XXXX {$0.00} XXXX TU & XXXX XXXX XXXX Bank XXXX XXXX XXXX {$16000.00} ( XXXX & XXXX ) XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX Bal XXXX {$2200.00} ( TU & XXXX ) XXXX XXXX  - {$8700.00} XXXX TU, XXXX, XXXX ) XXXX XXXX  XXXX {$2200.00} XXXX XXXX )
Product: Debt collection

I pulled my credit report on XXXX/XXXX/XXXX and noticed some collection accounts that I have never heard of before. The collection company in question Advanced Collection Bureau , Inc. claims that I owe money to them for a bill that I have had in the past. I demanded that they validate the debt under the FDCPA on XXXX/XXXX/XXXX via a letter sent regular mail, they never replied. They continue to keep this account on my credit report to this day after several rounds of letters to them demanding that they validate this debt. Now that this has gone on this long I am filing a complaint to have this debt removed from my credit report.
Product: Student loan

On Monday, XX/XX/XXXX EdFinancial services received two cashier 's checks from me. Check No. XXXX for {$3800.00} and Check XXXX for {$8600.00}. These checks were cashed on Wednesday, XX/XX/XXXX. I contacted them on XX/XX/XXXX to verify they received the payment as it had not been applied to my account yet. The person I spoke with ( XXXX ) told me to upload the copies of the checks at my account on their website and he stated he opened an incident ticket. He told me it should be resoled within 3 business days. I called back on XXXX to follow up and was told ( missed the name ) that it would take 60 days for them to post the payment to my account. I was also told that XXXX misinformed me when he told me 3 days. The COVID emergency forbearance expires on XX/XX/XXXX. It is my belief that they are delaying posting the payment because they intend to post it after XX/XX/XXXX and proceed to apply excessive charges, fees, etc.. to the my account and force me to pay more. My account # is XXXX.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. ACCOUNT Name : XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX, and XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) 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 an 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

date of renewal of CD was XX/XX/year>. XXXX M & T Bank roll the proceeds into my savings account at maturity. They said the couldn't/ wouldn't online, I had to come into the bank. This was not possible at this time. So I decided to roll the CD over as they were offering 3.9 % for a XXXX  month CD. This is a joint account with my XXXX XXXX XXXX mother.I am XXXX XXXX XXXX and live in XXXX  and take care of my XXXX 's finances. Mostly using on-line accounts. On XX/XX/XXXX, after the ten day grace period they sent a letter to my Mother 's address which said they renewed the CD at a rate of 1 %. I had no knowledge of this letter and only found it when I went to XXXX on XX/XX/XXXX to do my Mothers taxes. 
I went to the bank to ask and complain about this practice of fraud and abuse. They claimed that the 1 % was the standard rate at the time and all other rates were promotional and only available if you can into the bank. I have rolled over CD 's at many banks, including this one without call on the final day or walking in the door. 

This flagrant abuse of the elderly who can't necessarily get out and about easily and is theft by any stretch of the imagination.
Product: Mortgage

I refinanced my mortgage XX/XX/2015 with First Guaranty Mortgage. The loan officer told me that if I refinance, the MIP on my FHA loan would be reduced and the overall monthly mortgage payment would be lowered. He gave me an estimated monthly payment and after the refinance I started paying {$1800.00} per month. XX/XX/XXXX I received a letter from the loan servicing company ( XXXX ), that my mortgage will be increased to nearly {$2300.00} due to escrow increase. On contacting XXXX for an explanation, it was revealed that I was basically lured into a refinance that turned out to be non-beneficial to me. I was quoted a low monthly payment to refinance then later faced with a large increase in monthly payment. If I knew that my payment would turn out to be so much then it would have not made any sense to spend the money to refinance. This practice is deceptive. I now have a higher overall loan balance and a longer payment term for a refinance that turned out to be senseless.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

- XXXX XXXX  XXXX. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX  XXXX XXXX. 

- XXXXXXXX XXXX XXXX. 

- XXXX XXXX. 
XXXX  account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have 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

My name is XXXX XXXX please add this to cfbp case number XXXX I need a update on these claims number for XXXX and XXXX and XXXX and XXXX if they was denied please reopen them up or appeal them to have them all reopen and investigate again because I disagree with all the decisions for all of them and change the dispute types for fraudulent unauthorized for all my claims and disputes numbers I did provide or dont provide reopen them all up or appeal them all to have them reopen to be investigated because I disagree with the the decision and send me a new decision when they are all reopen investigation for all my claims and disputes for XXXX and XXXX too etc checking account number is XXXX and saving account number is XXXX etc
Product: Credit reporting or other personal consumer reports

XXXX put an account in collections. They never reached out to me to verify. Ive had my other school loans in good status and they placed this in collections, without verifying if it belong to me. I would like to see if this account is truly mine, I tried to appeal it and they could never verify when or if theyve ever reached out to me.
Product: Debt collection

i XXXX XXXX as the victim reporting identify theft as i seen and noticed on my credit report an unauthorized collection from XXXX XXXX XXXX XXXXBull City Financial Solution with a open balance of {$370.00}, my personal information was stolen and someone had use my identity information to open this account on XXXXXXXX XXXX.i have no knowledge of this account and This account is not mine i noticed that this unauthorized and unverified collection account had been open in my name without my consent without my knowledge. i XXXX XXXX would like to have this collection account DELETED and REMOVED from off my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX. 

Equifax FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit card or prepaid card

Fees levied for Credit Protection Service. Did not request this service. Each month I was assessed a fee based on outstanding balane (? ). It differs each month.
XX/16 {$24.00} XX/16 XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I experienced a traumatic theft where my phone, drivers license, military ID ( which included my Social Security number ), and credit cards were stolen. Unfortunately, this incident led to devastating consequences. The thief gained access to my Coinbase account and attempted to purchase {$9800.00} and {$7000.00} in XXXX ( XXXX ). Thankfully, these two transactions were blocked by Coinbase, but the damage was far from over. 

Despite these suspicious attempts and the removal of payment methods from my account, Coinbase failed to take the necessary security measures to protect me. My account was not locked down, and no further action was taken to prevent more fraudulent activity. As a result, later that day, the hacker successfully sent {$6600.00} in XXXX to XXXX different accountsclearly a suspicious and abnormal transaction. 

This loss has been a huge emotional and financial burden for me. I felt helpless, as I was locked out of my own Coinbase account due to the hacker controlling my phone, which was tied to two-factor authentication ( XXXX ). Only after regaining access to a temporary phone could I secure my account, but by then, the damage was done. I am now left with just {$28.00} in my account. 

Ive taken every possible action to secure my personal information, including freezing my credit with all three major bureaus and filing an XXXX complaint with the FBI. However, Coinbase has not shown empathy in this situation and has not taken responsibility for the security failures that allowed this unauthorized transaction to proceed. I had hoped they would offer some form of assistance or at least an explanation of how this was allowed to happen, but I have been left without answers, feeling unsupported in an incredibly stressful time. 

I am asking Coinbase to acknowledge their part in this failure and to show accountability by offering compensation. The platforms failure to prevent this fraudulent transaction has left me feeling vulnerable and financially harmed, through no fault of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completely disagree with your response to my complaint about a 90 day late reporting XX/XX/XXXX on my student loan. You wrote, " According to our records, you filed your most recent bankruptcy action, XXXX XXXX, on XX/XX/XXXX. Your Loan XXXX was requested, applied for, and disbursed after your bankruptcy petition was filed. As a result, this loan was not eligible for the bankruptcy forbearance status. '' I absolutely NEVER requested a student loan after a bankruptcy petition was filed. There would be absolutely NO WAY I requested a student loan during or after bankruptcy petition AND I will absolutely involve my bankruptcy attorney to certify. XXXX absorbed my students loans from XXXX graduate program and I applied for and received a private student loan in XXXX for my XXXX  XXXX XXXX. All students loans ever recorded in my name were recorded in XXXX or prior.