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

I called the company repeatedly today to try to unfreeze my credit report and the automated menu kept hanging up on me. I called around 6 times and was hung up on every single time by the Transunion automated system. 

I tried to login repeatedly and never received the 6 digit verification code. 

I tried to chat with a human after being faced with a robot on the transunion website and the human that showed up provided zero help and refused to transfer me to a supervisor. I did provide feedback that no help was provided on the transunion website. 

I'm now at a dead end with trying to unfreeze my transunion credit report. I need to UN-freeze my Transunion credit report immediately. 

Thank you.
Product: Mortgage

I had been trying to get my mortgage on forbearance since I lost my job on XX/XX/year>. I applied the way that the lender asked, however, I would never receive any communications on the status for several weeks. Then when I called, I was told that I needed additional documents and the original documents I sent would now be out of date and the process needed to be restarted. So I did that again and in XXXX the same issue occured causing me to start the process over. I did it again and in XXXX, right after they accepted all the documentation, they said it was too late because the state of the loan was already in foreclosure and now there isn't anything I can do to save the loan. I offered to pay at least 2 months mortgage payments plus the associated fees to try and bring the balance lower while I worked on getting paid up to date but that was denied as they said the only way currently to stop the process would be to pay the total loan balance left on my lien. This is obviously not fiscally possible, and so now I am rather at a loss as to what I can do to save my home and families future.
Product: Checking or savings account

At some time mid XXXX, I became a victim of a scam based on the lies of a loan company after applying for a loan, on line. As a result and many 'conversations ', the bank, Chase Bank , first said they were closing my account after a suspension of my access to the account, this was maybe early to mid XXXX ... which they never did despite telling me repeatedly that was the 'process ' and the 'bank ' had made the decision to close the account. 

My access being 'limited ' I could not watch the flow of what was taking place. Calling the all access, automated number I could listen to what was taking place. Plus I had different companies calling me telling me my payments had been paid at first but then reversed ... telling me I owe them more money. 

Not only that they, Chase Bank, kept my Social Security check to cover some of the money they say I owe them stemming from the 'scam ' I had been exposed to. There are several actions with that Social Security check such as a debit, a credit & a returned ... what does that even mean? 

While I have tried to communicate over the phone, everyone transfers me around until I speak to a department with a bad telephone connection. Most times with the same accent of those who pulled the scam. Ends up being no direct answers, just more lies & confusion or putting me on hold until there is a disconnection. 

Went in to a branch at least twice and got told more lies about the disposition of my Social Security check plus confusion with statements like 'call this number ... they will be able to tell you more, I have no more information ' ... same number I was calling that had the bad connection every time I called. 

Truth be told, after all I have gone through attempting to resolve this issue, I truly believe the bank was part of the 'scam '!!!! My account, per telephone automatic system in now {$3100.00} dollars 'overdrawn '. This even after reversing legitimate payments I have made to merchants & holding my Social Security Check ... the whole thing, plus all the lies I was told about my stimulus check ... which they sent back to the sender. 

Something is not 'legally ' right about the way this was handled, the lies I was told, the lack of information & the activity on the account even after I was blocked from seeing what was taking place. I can no longer go round & round!!! 

I was the one who was scammed based on the lies I was told by the scammer. I would have chosen different if the truth had been told. Instead I feel as though I am being scammed again by the bank ... they are even taking back money that was truly owed to merchants ... this can't be legal!!!
Product: Credit card or prepaid card

I tried to apply for credit and was denied because of two credit cards from this creditor. I received the creditor information from the my credit report. I was incarcerated for 13 years and released this year in XXXX. My wife and I tried calling several times to get this issue resolved the right way. Everytime we call, we are transferred and put on hold for a long time or the department that handles fraud is closed. 

Im trying to get on my feet to help take care of my family and I cant because of this. I ask that you please look into this for me so I can establish credit and provide for my family. My certificate of release from XXXX XXXX XXXX XXXX is attached.
Product: Credit card or prepaid card

I submitted a payment to Conn 's of {$830.00} when the balance on the account was {$770.00}. I inadvertently submitted a second check for {$770.00}. 
Conn 's confirms the received payment of {$830.00} on XX/XX/XXXX and the check for {$770.00} on XX/XX/XXXX. I have contacted Conn 's regarding the over payment of {$830.00}. They promised on XX/XX/XXXX to look into it and get back to me. I heard nothing. On XX/XX/XXXX one of their agents XXXX said they were still investigating but confirmed the over payment. On XX/XX/XXXX at XXXX manager XXXX ( XXXX ) promised to contact me on XX/XX/XXXX with updates.On XX/XX/XXXX I asked for updates and they could provide none. I requested a statement of activity. I was told I would receive it within 3 days even though he had access immediately and could read it to me he said their email processing time was 3 days.
Product: Credit reporting

Equifax deleted a XXXX XXXX account then reposted it even after I disputed the account. I have attached proof it was deleted, page XXXX of XXXX. 
XXXX XXXX account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX FB & T/MERCURY XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX TMCC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ate Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. Account Name : XXXX XXXX XXXXXXXX : XXXX. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Student loan

Dear XXXX XXXX  XXXX I'm writing to you with a XXXX  XXXX, still reeling from the sudden loss of my beloved XXXX, XXXX XXXX XXXX Just XXXX months after I paid off his XXXX loans in full, he was taken from us far too soon. As his co-signer, XXXX XXXX, an arrangement between my XXXX  and myself was implemented as he was employed within his field of study. The plan was that he would assist in monthly re-pay installments if I agreed to re-finance my home mortgage to pay off his student loan debts in the amount of {$110000.00} in XX/XX/year>. It was a sacrifice I made with love and hope for his future, but little did we know that fate had other plans. As we navigate this devastating loss, I'm not just asking for a refund of the loan amount, but for your compassion and understanding. XXXX 's passing has left our family in a state of grief and financial uncertainty. My wife and I are now XXXX and XXXX XXXX XXXX, respectively, and are struggling to make ends meet. The burden of recouping these losses would be crushing. I implore you to consider the extraordinary circumstances surrounding XXXX 's death and our situation as a family. I've already endured so much pain and sacrifice to ensure his education was paid off. Now, I'm left with the weight of this unexpected loss and the financial strain that comes with it. I understand that AESXXXX Bank has guidelines in place for death discharges, I'm begging you to consider our story and the human impact of this tragedy. XXXX 's life was cut short, and his memory should be cherished, not weighed down by the financial burdens I'm now facing. Please, I beg you, consider my request for a refund or any other possible alternatives that can alleviate my financial burden. I'm begging you, please consider my request with an XXXX XXXXXXXX XXXX XXXX. I've already lost so much - we've lost our beloved grandson, we've ost our peace of mind - and now I'm facing financial uncertainty and my fight to live on. I'm asking you to show compassion, empathy, and understanding. Thank you for taking the time to read my story. 

Sincerely, XXXX XXXX XXXX XXXX behalf XXXX XXXX XXXX XXXX
Product: Debt collection

I have been reporting this account since I've become aware of it. I don't have any other information except that I was put on the account as a cosigner. My husband XXXX XXXX XXXX ) who is now deceased, left me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2018. I had found out in late 2018 that it included putting several credit cards in my name and somehow having someone cosign my name to a vehicle that was repossessed several months after getting it and now the companies are holding me liable for the payoffs. I have been having trouble to prove my innocence due to him not being alive, lack of knowledge of the chain of events and accounts.I don't have documents to attach because I don't know anything about these accounts except what the collection agencies have sent me. If a death certificate is necessary, I will attach that.
Product: Credit card

PLEASE SEE ATTACHED FOR ALL DETAILS : Summary Here -- & gt ; On XXXX/XXXX/16 I received a phone call from " Capital One '' supposedly, so I told them to call me back from a number showing Capital One as Caller ID, and they actually did, because I actually have the Capital One number on my credit statement saved in my cell phone. I felt comfortable that the call was legitimate when the saved number appeared on their next phone call. The Capital One rep said they had a special offer to transfer all my credit card balances onto XXXX NEW card ( I was n't told what card it would be, and when it came in the mail it was XXXX ). He told me that the entire transferred amount would be interest-free until entirely paid off, and the payments would be {$250.00} per month. The cost for this service was supposed to be {$2500.00}, but they only charged me {$1900.00} because there was not enough available credit on my Capital One card for the entire amount ( see attached Capital One statement ). Before I accepted any terms of their offer I was transferred to " XXXX XXXX '' because the offer seemed too good to be true, but she was very convincing. She even gave me her cell number ( it was actually a XXXX number ) and told me that I needed to call her immediately when the card came in so I could confirm its receipt and be reassured of the offer they gave me. I was actually called back by XXXX a short time later who told me that they were only charging me {$1900.00} because there was not enough credit left on my Capital One card to charge the entire {$2600.00}. I was also told that once the XXXX fee was charged to Capital One, the entire balance would then be transferred to the " new credit card ''. ***SOMEWHERE IN THE ABOVE PROCESS OF BEING TRANSFERRED TO SEVERAL PEOPLE I REALLY WAS N'T SURE WHETHER I WAS SPEAKING WITH CAPITAL ONE OR XXXX, BUT I STILL HAD A COMFORT LEVEL AND PROCEEDED*** XXXX did not mention anything about a " transfer fee '' to the new card, which I saw was {$420.00} when I received the new XXXX card and first statement. I was also told by XXXX that the " new card '' would have a " low interest rate for life '', but the attached XXXX statement shows 23.24 % ( hardly a " low '' rate ). When I received the card I called XXXX to activate it, afterwhich I called XXXX to confirm the terms I was given by XXXX and that 's when I found out they lied to me. The XXXX rep told me they " never do interest-free for life '', and that it was only for one year. I actually called XXXX a few times to confirm this and got the same information. I then called XXXX XXXX at XXXX and it took me about 5 calls over several weeks to get her on the phone just before XXXX. She said the offer was indeed valid and that she would send me an email confirming that. She still has n't, and I 've called and left messages for her 5x since then, and emailed her 4x and she has not returned my calls or emails. PLEASE SEE THE ATTACHED MORE-DETAILED PAGES WITH ALL DATES, TIMES, LENGTH OF TIME SPOKEN, EMAILS AND NAMES OF THOSE CONTACTED.
Product: Debt collection

On XX/XX/XXXX a representative with XXXX XXXX XXXX called and asked for a {$75.00} payment for XXXX XXXX XXXX. The bill with the hospital was from a car accident. I advised that the hospital received the check for {$75.00} payment XX/XX/XXXX and they deposited the check. The gentleman asked for proof so he could file a dispute. I sent in the copy of the check from the attorneys office. On XX/XX/XXXX the same gentleman called again stating I owed the money. He said the hospital rejected the dispute. He tried to tell me the account number on the top of the copy of the check I sent was not the correct account number. I told him he was mistaken that the account number he gave me ( XXXX ) was in fact the bank account number for the attorneys bank account. I asked him to hold on while I answered another call. He hung up. I called back and spoke with a female and she tried to tell me the same thing about the account number. I told her if they would look at the back of the check it proves that the check was cashed by the hospital. I became upset and told her if they were too incompetent to look at the proof they can just shove it up their XXXX. I have sent a letter with the copy of the check and requested they take the information off my credit and report paid in full but they refuse to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greeting, I have submitted to the credit bureaus Transunion and XXXX within the last two years several disputes in refrence to several accounts that were opened under my name and social. They were able to successfully remove a few items, however there were others that were still reminding on the credit report such as a two bankruptcies that were filed on my credit report. On XX/XX/2016 and XX/XX/2016 After being told that the account and items were valid, the items remained on my credit report. Preventing me from obtaining credit and being denied for several investments.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request investigation into Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report that were caused by identity fraud. Despite my submission of ID Therft Affidavit, Experian consistently responds stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. whch mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). 

The following are the inaccurate accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail from this company saying I owed money and called them to confirm. My first call i spoke with a representative who told me this debt was for a house I rented and she spouted off an address where I have never lived. I then asked her for a copy of the leasing agreement so I could verify this debt. The representative became combative and asked me why did I need verification of the debt. I told her its my legal right for the debt to be paid and I wanted documentation. I have just now received documentation but out of a 20 page leasing agreement I only received 5 pages. NONE of which can verify that it was ME who this debt belongs too. There's no copy of my ID - no date of birth information or even my social on any of the incomplete paperwork that was sent. I would either like proper verification of this debt or I would like it removed from my credit report for failure to verify.
Product: Debt collection

I received a letter from a fake debt collection agency named as XXXX XXXX XXXX XXXX ( telephone XXXX ) telling me I had written a bad check for {$1000.00} to XXXX XXXX of XXXX on a bank account # XXXX at Navy Federal Credit Union in XXXX.They said in the letter that I needed to pay them the {$1000.00} or they would report me to a credit bureau XXXX XXXX. They send me a link to their site " XXXX XXXX in order to pay this debt off. The letter was from " XXXX XXXX XXXX XXXX Case number XXXX, File number XXXX '' I don't have an account at Navy Federal, never dealt with XXXX XXXX. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite countless times reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking those transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I am filing a complaint on BCA because they are reporting a collection on my credit report with the partial account number XXXX. This collection does not belong to me. My twin sister and me have the same name and obviously the same date of birth. I have disputed this account with the credit bureau and they have not removed it even though my social is not the XXXX reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2014 there was several accounts started in my name without my consent. one was with Ally Financial {$10000.00} second with XXXX XXXX {$29000.00} third with XXXX {$12000.00} and XXXX  XXXX XXXX {$11000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a XXXX  XXXX credit card was opened as of XX/XX/XXXX there is an insane balance of {$5400.00} on the account On XX/XX/XXXX XXXX XXXX XXXX XXXX opened and reported a balance of {$1400.00} On XX/XX/XXXX a XXXX  XXXX XXXX  was opened and as of today the balance is {$170.00}. On my credit report it states it is XXXX XXXX. 

INQUIRYS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XX/XX/XXXX
Product: Checking or savings account

Around XX/XX/XXXX I called ca edd to inquire about my unemployment claim that I filed back in XX/XX/XXXX. I then found out, that my claim had infact been accepted and was actively being processed biweekly. I informed the ca edd, that I had not received my debit card yet and, that I was not responsible for any activity that had taken place on this account. I was then told to contact the bank in which the card was issued, to let them know, that I was not the one using the card and that they should freeze it and do an investigation. The bank then informed me that there had been a numerous amount of transactions dating back to XX/XX/XXXX and that there had been more than {$9000.00} withdrawn from the account. Infact, the total amount was said to be {$9300.00}. The only other information that I was given is, that this took place in the XXXX CA area. It wasn't until later, that I was told to go to my local police department to file a police report to accompany my claim. Between the dates of XX/XX/XXXX and XX/XX/XXXX I have no knowledge of any transactions. Please provide any video and or audio footage recovered after the investigation process. Attached is police report for validation.
Product: Debt collection

This company has been harassing me for over 4 years. Im not sure where the original debt came from, but they have called me 3-4 times a week since XX/XX/XXXX, as late as XXXX. They have harassed me for so long I had to delete my cell phone number that I had for 14 years. The debt collect is Wakefield and Associates. The charges are as followes. 
Principal interest date XXXX {$170.00} XX/XX/XXXX XXXX {$330.00} XX/XX/XXXX XXXX {$1700.00} XX/XX/XXXX XXXX {$330.00} XX/XX/XXXX XXXX {$1400.00} XX/XX/XXXX The original totals are almost HALF of the requested amount. I have Heath insurance ... this company has harassed me into a depressive state over a few dollars. My girlfriend left me over the XXXX and XXXX of this company calling me every day. After I deleted my phone number they used my girlfriend tax return to get her phone number and hurrassed her, saying that I would be thrown in jail, and she would be charged for protecting my identity from these evil maniacs! How is it legal to double the amount owed! Call me every day! Contact my MOTHER about this debt?! Are you kidding me?!!!! Im at a loss ; im furious, I feel cheated, I dont know my rights, but this is abuse. Theyve threatened jail time, legal litigation, and to come after my home, car, job, and personal effects.