23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have not applied for any lines of credits or any loans. I'm also a XXXX veteran and don't share my XXXX or any personal information with another entity. I believe someone misused my information without my authorization and I have placed a fraud alert on my account. I have sent CFPB complaints about the unauthorized and unverified information and hard Inquiries. I called Transunion about the hard inquiries that's on my report and I stated I didn't authorize them, and I called the companies to have them removed. A representative stated that I needed to send in an FTC complaint, and I told her I did that she then pulled up the date I called previous and stated they didn't receive the complaint, but she sees where I called back within the last XXXX days about the same issue. XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX dates i sent complaints on this same matter. 
The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these hard inquiries. And when you challenge these inquiries, it's called opening a dispute. The company pulling your credit must provide documented proof, for example a document with your signature on it, that you authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then TransUnion, XXXX, and XXXX must remove these inquiries from your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TXXXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$9900.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$850.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$220.00} ; ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$68.00} ; 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 was locked out of my Marcus account around XX/XX/XXXX, for no apparent reason. I called multiple times and mailed in an Affidavit of Identity to XXXX on XX/XX/XXXX. I called on XX/XX/XXXX to ask to unlock my account, and they said it would be under review, and to give it a week. I called again on XX/XX/XXXX, and my account is still " under review ''. They also couldn't confirm if they even received my Affidavit of Identity. I have been unlocked out of my account for months and I can't access my money.
Product: Student loan

From what I was told by the " escalation department rep '', XXXX is the " administrative and secretarial assistant '' for Great Lakes Guarantor. After repaying my loan in full in XX/XX/2018, XXXX continued wage garnishment for 3 consecutive pay periods. They finally sent a letter to my employer to stop garnishment two weeks ( another pay period ) after I called. When it comes to getting any question answered regarding the status of my account, or when I might be receiving reimbursement, the answers are generic and scripted. " The account is closed. The accounting department doesn't have a contact number and is behind. We have no other information on your account. '' After over 30 min speaking to both reps, I was given the number to Great Lakes. Mind you, the second rep, " XXXX '' kept cutting me off with " We don't have information on your account ''. Poor customer service, rude and unhelpful. I ended the conversation with XXXX, letting him know that if Great Lakes was who I should speak with, he could've saved us both time by redirecting me there 15 min. prior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and set up services with credit repair.com on XX/XX/2020 as a result of issues I was having resolving a dispute on my own with XXXX. I called XXXX  and confirmed the dispute I submitted prior to contacting creditrepair.com was resolved and they would send me a copy of my credit report and letter of resolve. 
I contacted Creditrepair.com on XX/XX/2020 to cancel my account prior to them taking out my first payment on XX/XX/2020 for {$110.00}. According to my account, nothing has been done on their end other than accessing my credit reports and setting up my account. The representative then attempted to offer reducing my monthly payment to {$69.00} if I continued services with them because I had 3 other settled accounts that could be removed. I kindly declined just requested to close the account and if I needed them, I would call back. 
They then said they would still continue to process my payment of {$110.00} although they have done nothing to repair my credit and performed no services on my behalf in 5 days worth {$110.00} other than a 30 minute phone call setting up my account. They didnt even offer to prorate the payment, but offered to reduce the payment if I stayed with them.
Product: Checking or savings account

Funds were slowly being charged in small amounts since XX/XX/XXXX by online gambling accounts. I just noticed it on XX/XX/XXXX. I reported the charges and asked them to go back and see how many there were. There were 184 small charges made since XXXX. 

Since we had called Wells Fargo in XXXX ( because we noticed authorized charges being made from gambling accounts then as well ), we werent checking for these charges because we assumed they were blocked and Wells Fargo was a safe institution to keep our money at. When I found out all of those little charges totaled over XXXX dollars, Wells Fargo submitted a claim. 

6 business days later, I found more fraudulent charges by another gambling company ( XX/XX/XXXX ). At this time, Wells Fargo did not stop the charges or think to contact us when over 78 charges were made to a betting site over the course of 5 days. Again, I was not checking my bank account, as there was a claim already open and I didnt even have access to a debit card. 

When I called to file yet another claim, the employee stated that the other claim was closed and denied and that the reason it was denied was because I didnt report it sooner. Is that legal? To say, too late, you didnt notice fast enough, now its gone? It is XXXX dollars. XXXX dollars is not able to be returned to us. None of those charges were made by myself or my husband. 

There is currently another claim open for another XXXX dollars that was taken while the XXXX dollar claim was in the process of being denied. 

I spoke with a Wells Fargo manager. The manager was kind enough to file a complaint against the claim result but with no guarantee. In what world is this fair? 

I am a XXXX XXXX XXXX and my husband is in XXXX XXXX. We are hardworking citizens. XXXX dollars of fraudulent charges in 4 months and not one alert, not one cause for concern? Now, when we are uncovering how long this has been going on for, they just say no? This is not acceptable. It is our money that we work really hard for. This loss of money does severely impact our financial security. We have kids in daycare. Bills that have to be paid. It isnt right. Please help us rectify this situation. 

Thank you.
Product: Debt collection

they showed my admission papers but still failed to show any agreement where me and the creditor agreed to the amount being charged, my admission papers does show any promise to pay or agreement to pay it. you dont see my signature or initials from 1-8 you see my initials on the line that i consent to photographing or videotaping for medical purposes only, i checked number 9 and initialed number 10 boxn 12throu 14 not how i check boxes, then my signature at bottom which nothing in said document showed an amount of money or what me and the creditor agreed upon. and all in which has been photocopied which wont even stand in court, how i know this the same way your going to know this if you cant provide an agreement with an amount between me and the hospital ill be filing suit on XX/XX/2018, unless you provide and contract or agreement, not admission documents, then we can see hows right or wrong on this matter. 
by the way when i called the number you provided your not even in that office. so im sure where probley going to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attache and FTC report with inquiries I did not authorize
Product: Money transfer, virtual currency, or money service

I've been trying since XX/XX/19 to remove my previous checking account from my PayPal account. Their system repeatedly told me that it couldn't be removed since there was pending transactions against the account. I confirmed there wasn't as nothing had been pulled against that account in months but had pulled against my credit card. 

On Monday XX/XX/19, I paid for something online using my PayPal account and when asked for the funding source I chose my credit card. For some reason, PayPal charged this against my checking account ( which is being closed in 5-days ). That bank has paid the {$1.00} charge and given me a {$20.00} NSF fee. 

I contacted PayPal today XX/XX/19 and spoke to two very incompetent representatives. The first told me that I could not remove the checking account because there was a pending payment against it. When I told him the payment already cleared my bank, he had me navigate to a setting showing automatic payment authorizations to this payer and when I confirmed my screen said it was to fund from my credit card, he told me to cancel all future payments. Frustrated, I asked for a supervisor. 

The supervisor told me I have to wait 3-5 business days for that payment to clear and then I'll be able to remove the account. When I told her that I've tried for the past 3-weeks to remove this account she told me that I hadn't. When I told her I've gone through their process to link a new account but that the system goes in a loop and doesn't add it, she told me I didn't complete it. All in short of calling me a liar she didn't believe I had done what I told her. When I explained I work in software development, I understand how systems work and that theirs has an issue and requested a ticket be opened for a tech to look at this she said no. I got angry and demanded it and because of this she told me she'd disconnect the call. I told her that I wanted her name and she said " Nope '' and then disconnected the call. 

This account needs to be removed so that I don't incur any other fees and they need to fix their system. They also need to train their representatives to LISTEN to their customers.
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 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 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 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 XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm looking at some late payments on Experian from four different accounts. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. There are several accounts with XXXX. The late payments should not be showing for these accounts. 15USC 1981 Section 602 states I have a right to privacy. 15USC 1681 section 604A section 2 also states a consumer reported agency can't furnish an account without a written instruction. 15USC 1666B states a creditor may not treat a payment under late. The united states code Law 15 U.S. Code 1666b. Timing of payments- A creditor may not treat a payment on a credit account under an open end consumer credit plan a s late for any purpose.
Product: Debt collection

I was a customer with XXXX back around XXXX. Early Spring of XXXX I had a car wreck that resulted in my having to undergo XXXX. I contacted XXXX immediately and explained that I was n't going to be working for the next three months, they said we can hold your account until you get back to work. So, I had to ensure my bill was up to date with charges and paid for before they would do that and I did exactly what they said to do. When the three months passed and my doctor cleared me to return to work, I went back to Verizon around XX/XX/XXXX to restart my service and they told me that I did n't have an account with them and my old number which I currently do not remember had been given out as a pay as you go phone. This went on for 6 months of calling XXXX, going to stores, and even talking to corporate over this issue. All the while they kept stating that I did n't owe them any money which I asked them repeatedly and said that I will pay to get my service back because I liked it. Well, low and behold, starting around XX/XX/XXXX I started to receive collection calls about twice a week since and I have disputed this multiple times without ever getting a response from anyone. Now, Jefferson Capital Systems has this phantom collection account which they told me was still active even though XXXX has said repeatedly that I never had an account with them. So, XXXX and the other collection companies, which is now on the fourth collection team and they keep asking me for paperwork that I do n't have and XXXX has never proven I owe them any money wants me to pay {$1000.00}. Like I said previously, I have disputed this several times and gotten no response from anyone, Jefferson Capital even stated it showed it was in dispute, yet, they had info on this account either. This is now impacting my ability to obtain housing because this after not showing on my credit for almost 2 years all of a sudden a few days ago just shows up. I am trying to buy a house because my current place of residence is being sold and this is keeping me from being able to do so, I will not become homeless because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not been compliant with my credit report. Under the FCRA, I am entitled to ensuring maximum accuracy of my report. I have disputed items on this report as not mine or containing inaccurate/erroneous information and they've simply " verified '' these accounts as accurate. 

In XX/XX/XXXX, I disputed two three accounts. These accounts are XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I disputed these accounts because I have proof that this Aargon Agency account was compromised, there are charges on this account that I did not make as I was not living at the residence related to this account. I have asked that this account be deleted as it is inaccurate, Transunion has not complied with federal and state law. They have not provided any proof of this account belonging to me. I have reached out to XXXX XXXX countless times and they have only sent a bill statement with an unfamiliar address, charges directly conflicting with me living elsewhere and I have never been notified of this debt prior to it appearing on my credit report since XX/XX/XXXX. They continue to let it report on my credit although I have shown the inconsistencies. It has also closed and re-opened causing detriment to my score. 

The following two accounts are a mystery to me. XXXX XXXX is on my credit and shows a payment made that I have no record or recollection of. This is inaccurate and has not been proven to not be mine. There has been no proof of validity provided and XXXX XXXX has not replied to me or sent any correspondence prior to this debt being reported. Aside from that, there are federal and state compliance laws not being followed here. I've requested the original contract or some form or written agreement and recieved nothing. I've also stated the inaccuracies and they've not listened to me. Most Importantly, this account was originally closed on my credit report. Recently, it was re-opened in XX/XX/XXXX causing my credit score to drop significantly and then closed again in XX/XX/XXXX. This deceptive practice was allowed by Transunion although this account has not been sufficiently proven to be accurate. 

Also, there is an account from XXXX on my credit. I have no knowledge of this account as I've never opened an XXXX account. Also, this account is more than 7 years old, which means it is being housed on my report illegally. Transunion has failed to comply with federal and state law by reporting this account for over 4 months. I have requested more information countless times and I've gotten the same results. Sometimes, without further notice or any written confirmation of a dispute being opened or closed with investigation results. This is unethical and unfair to me as a consumer. 

Overall, Transunion is not working in its utmost ethical sense. I am reaching out to rectify this matter in a more efficient way as I've exercised my options.
Product: Debt collection

Oliver Adjustment company has added an unpaid bill to my account that should not be on my credit account. I am 100 % XXXX and all my appointments go through the Veteran Affairs clinic. This was an outsourced appointment through the VA 's " Community Cares '' program.The original creditor is XXXX XXXX of Illinois. They should not have charged me, billed me, nor should they have sold this credit to Oliver Adjustment Company. I would that this item be taken off of my credit as well as serve both companies with penalties for selling my medical information for profit.
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 USC 1681. 

Account XXXX XXXX XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681Section 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: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following inquiries being furnished on my consumer report. 

Transunion XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX
Product: Mortgage

I started the FHA XXXX  Refinancing process with XXXX  XXXX  in XX/XX/2020, and I was informed the process would be approved XX/XX/2020, with an interest rate of 2.9 % ; and I would skip the XXXX mortgage payment. On XX/XX/XXXX I received an email from XXXX, XXXX Representative informing me that I would have to make the XXXX mortgage payment. At that time, I had to pay late fees because the payment exceeded the XXXX grace period. I was then informed my refinance would be approved for XXXX XXXX it was not ) and then XXXX ( it was not ). Due to the mishandling of my refinancing I received two late fees and now the inability to do a FHA XXXX XXXX and my credit score drop substantially, which hinders my ability to refinance for the next six months to a year. This situation has placed me in financial hardship and I need resolution. I have text messages and emails to substantiate everything I've listed. I would like to place a FORMAL complaint against XXXX. I have a wonderful credit history prior to this process. The way my case was handle was unprofessional and has caused stress in my household. We are already dealing with a pandemic and this has truly taken me over the edge. I am requesting your immediate attention to this request.
Product: Checking or savings account

My Bank account at USAA has been hacked and the person who is in my account has been depositing checks that are not mine for {$5000.00} at a time starting XXXX XXXX. As they cash these checks, they send them to XXXX XXXX and once they send the checks to XXXX pay, the checks get declined. I am now XXXX dollars in debt and I have no money. I need help please
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX on XX/XX/XXXX about the credit bureau reporting high credit utilization on XXXX, XXXX and Transmission and was told the FCRA has contacted theses inaccurately reporting on my credit file. I want this escalated to get this from wrongfully reporting high utilization XXXX score. This is financially effecting me from moving and getting a new place to live. I don't know what else to do but file a legal action with federal court or the XXXX  against all parties.