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

On XX/XX/2018, I reactivated my XXXX service at my new apartment in XXXX over the phone with a customer service rep. This rep did not in any way shape or form tell me there was going to be a hard credit inquiry on my Equifax report. XXXX XXXX, the third party app which I use to monitor my credit, alerted me while I was on hold that a hard inquiry had in fact been made. When I brought this to her attention, she had no idea what I was talking about, and I had to explain to her the difference between a soft inquiry and a hard inquiry. She had no idea that her system was going to do that and had no explanation as to why it happened. All I got from her was a " sorry bout that. '' I was a former XXXX customer of 2 years, and I am equally upset that they feel they can keep my social security number on file like that and just willy-nilly run a hard inquiry without my permission. 

Keep in mind, I had an XXXX credit score prior to this inquiry. My score has since dropped, and I am not happy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In disdain of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX XXXX Balance : XXXX ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, DE XXXX ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$570.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$240.00} ; XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a letter to TransUnion Consumer Solutions requesting they update incorrect and outdated personal information on my credit report which included incorrect and name variations, addresses, phone numbers, and places of employment. I requested this due to the rise in identity theft which I have been a victim since XXXX. 

On XX/XX/XXXX I received a response from TransUnion Consumer Solutions that I did not write the letter I sent them and they also insinuated that I let an " unauthorized 3rd party '' submit my information. This is 100 % categorically false. I wrote the letter personally and expected the matter to be resolved. I have included as proof : 1. The original written letter to TransUnion Consumer Solutions 2. The response letter received.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the errors in my credit report by sending detailed supports because they can not eliminate the incorrect information and they automatically respond that it is correct and verified. more than 1 year occurring
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, Account # XXXX XXXX  Dept Of Ed Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C. 1681 SECTION 602A states I have the right to privacy.

15 U.S.C. 1681 SECTION 604A SECTION 2 : It also stated a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

XX/XX/XXXX I pulled my bureau report and found that Portfolio Recovery XXXX XXXX ( PRA ) of XXXX XXXX XXXX XXXX VA XXXX had reported a collection account against my name in the amount of {$470.00}. I sent a request to PRA as a validation of debt they claimed was due them for an account they allegedly purchased from XXXX XXXX that was charged off in XXXX, after being in dispute. 

XX/XX/XXXX response from PRA does not include sufficient information and evidence to determine the validity of PRA 's claim of assignment to enter into the alleged original contract between the Original Creditor and alleged Debtor that was charged-off, or the amount PRA paid for the account, which is suspected to be pennies on the dollar, yet they are demanding the full amount charged off by XXXX XXXX, and without providing an affidavit as requested evidence of the purchase amount and assignment for entering the alleged original contract. 

XX/XX/XXXX a 2nd request for validation of debt was sent to PRA requesting the enclosed Debt Collectors Disclosure Statement ( DCDS ) be completed and returned within 30 days, because PRA 's  XX/XX/XXXX response was insufficient to determine if XXXXRA had the authority to demand payment of a debt that had been charged off by the Original Creditor and if so how much did PRA pay for the account. 

XX/XX/XXXX response from PRA states that they have already answered the dispute and without returning a completed DCDS they state : Please be advised we have reviewed your dispute..... Our office considers this matter closed. 

This is not in compliance with my request for the completion of the DCDS so that I can determine if PRA has a rightful claim and authority to report negative information to the credit bureaus and request payment from me as owner of a debt that XXXX XXXX charged off in XXXX. 

XX/XX/XXXX a 3rd request for validation of debt was sent informing PRA a complaint was being filed with CFPB and as a Notice of Intent if PRA does not comply and return a completed DCDS within 30 days. PRA is causing me harm by reporting negative information to the credit bureaus on an account they have failed to provide sufficient evidence they have authority to make a claim against me for. 

XX/XX/XXXX filed this complaint with CFPB
Product: Checking or savings account

I used my online account at chase.com to send a payment via Chase QuickPay/XXXX, and Chase capriciously decided not to authorize the payment and then called me three times for " fraud protection. '' Two representatives claimed they would authorize the payment. Instead Chase blocked my access to my account and demanded that I go to a branch to authenticate myself. The nearest branch is 12 miles away, and I should not have to travel 24 miles round trip to be able to access an account I opened online when I lived in another state. I haven't been to a Chase branch in many years. I demanded Chase close my account and send a check for the balance to my address on my file, and Chase refused! How can Chase refuse to send me my money to my address on my file? How can a bank demand I travel 24 miles to access my account? Blocking access to a consumer 's funds for NO LEGITIMATE reason is outrageous. How can Chase hold my money hostage for no legitimate reason?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is publishing non public personal information to third party consumer credit reporting agencies. I did not & do not consent to the furnishing of this information to any credit bureau agencies and because of this it is a direct violation of the FCRA as described under 15 USC 6802. This is to inform XXXX XXXX XXXX XXXX that I am opting out of them furnishing or disclosing any non public information about any loans I have previously had through them and demanding it be removed from all consumer credit bureaus they have reported it too.
Product: Credit reporting

I have contacted Transunion after checking my credit report and saw a list of inquiries on my account that I did not authorized. I was informed by a rep their was nothing I could do but speak to those companies and after calling XXXX the advised I was not in their system. So I contacted XXXX and again was told I have to wait two years for them to fall off, I do not believe this is fair as they are not mines. I am listing the inquires which I show on my account. It scares me to see this incorrect information and not getting any help, this is my personal information and affects my livelihood. 
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

On XX/XX/year>, Chase closed my 4 accounts including investment account with balance of, {$6900.00}, checking account with balance of about {$900.00}, saving account, and children account. I expected to receive these amount in cashier check. I only received {$270.00} from Chase for checking account. I contacted Chase to Executive Office Complaint with reference number XXXX and was told that someone will resolve this issue. However, I havent heard back from Chase yet.
Product: Mortgage

We were pre-approved for a home loan with Hometown Lenders. After locating a home, providing an ernest payment, paying for the inspection, and providing all of the required documentation for a guaranteed USDA home loan, we still had not been cleared for closing after 45 days. After we passed this amount of time, and only after complaints by us and both real estate agents, we were told that ( among the other excuses for the delays ), our USDA guaranteed loan had been suspended several times. We were never advised this from the loan company. Our real estate agent was the one who informed us. We were told that we had, finally, completed all of the documentation needed to be submitted to the USDA, well over 45 days, but the turn around time for the USDA office was delayed, adding a significant amount of time to our closing. The loan company then offered to finance through a FHA based loan, with the addendum and contracts completed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with an email that stated we could close as early as XX/XX/XXXX. We completed all of the new documentation, as requested, and heard absolutely nothing from the loan company until only after expressing our hesitation about the continued delays and our consideration of cancelling everything. We were only told that they had received our documents, up to that point, but they now needed the seller 's addendum to proceed. We still have not received a closing date or any assurances that continuing with the process will actually result in a closing. We are highly concerned with the fact that we were never notified of the suspension of the loan status. The communication has been very poor and, despite concerns from all parties involved, we still do not have a resolution to the issue. Additionally, the company posted, on XXXX, about the quick closing for another client. This has, honestly, made us feel that this is all occurring because of the nature of the loans and the inability of us to qualify for a conventional type of loan. All contracts and emails available for your review.
Product: Debt collection

I have been getting calls after calls and having rude people saying if I dont pay, I will go to court and be charged. I was not aware that XXXX XXXX XXXX put me in a collection. I never sign any document with LVNV Funding LLC to be harassed in this matter. Please remove this collection I never applied for with LVNV Funding LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

While using American Express I was told several times my credit report would not receive a negative his as I was working with AMEX to make payments as needed for a business card that I was paying with personal funds. After reporting a negative hit to my credit report, AMEX refused to disclose the recorded transcripts of the numerous calls telling me I would not be negatively affected, then closed the card after numerous assurances my card would not be closed. I was then essentially threatened that more negative credit reports would hit my account if I did not pay in full instantly, but that my credit and the account would be restored if I did pay in full. I of course paid in full the entire balance due from personal funds, at which point AMEX still kept the account closed and did not remove the negative credit hits on my report.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4700.00} ; XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXX Balance Owed : {$10.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$310.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00}.
Product: Mortgage

I filed a complaint to Western Alliance Bank, who claimed to be the investor and loan servicing of all my three loans and thus the loan mitigation application is approved based on the guideline of Western Alliance Bank. This statement is incorrect because I signed deed of trust of the the loan backed by XXXX XXXX ( see attached notarized deed of trusts for all three loans ). When the loan were sold and/ or transferred multiple times throughout the life of the loan, the loan terms and guidelines stays the same as shown of the deed of trust for the loans. I did not sign any loan note/ deed of trust with Western Alliance and therefore these is backed by XXXX XXXX and any events occurred on the loans will follow XXXX XXXX XXXX guidelines, not Western Alliance Bank XXXX
Product: Debt collection

Made dispute in XXXX, ans this year XXXX of alleged debt that this account was involved in litigation. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, in fact therefore any such debt, in fact therefore exists pursuant to 18 USC 8, L owe no debt, this company is violating my consumer rights to privacy pursuant to 15 USC 1681-B2 company as no permission to report my information per 15 USC 16814 .
Product: Credit card

On XX/XX/year>, I attempted twice to purchase from an online store. My card declined. I contacted Citi about the issue because my card was not locked and my balance was only {$150.00}. The Customer Service Agent ( CSA ) XXXX stated it regarded the CVV/CVC on back of card being wrong. I disagreed with that because I typed the card information as stamped on the card. He became belligerent and so I asked to speak with a manager. The Call Center Supervisor ( CCS ) XXXX received the call and she explained that the CVV/CVC was wrong and the merchant declined the charge. I didnt believe this to be true because the Citi system sent me a verification code in order to continue with processing the payment after I entered my card information. The was done not once but twice. CCS Km inquired as to whether the merchant asked for the address. I informed her that this was a digital transaction and no home address is needed although my home address is in the Citi database. In addition, I asked which department would be responsible for investigating this issue. CCS XXXX did not know. I asked to be transferred to the department that would be able to assist me rather than just hurry me off the phone call. Thereafter, CCS XXXX forwarded me to technical support. XXXX XXXX explained that my issue was a customer service issue and she forwarded my call back to customer service. The next CSA who came on the line did not give her name. Her voice was unclear because he line became very muffled. She asked me to confirm my phone number so she could call me back. I decline stating how would that fix the phone call problem. She then forwarded my call to the XXXX. Once there, I had to request that my call be sent back to the US. because my recent experience with the customer service of the XXXX was horrible. It was this call that the CSA informed me that not only was the CVV/CVC wrong , but now the home and IP addresses with the expiration date on the front of the card. In addition, she stated that the transaction can be viewed in realtime. She asked me try to do the transaction while she remained on the line. I refused because she explained that Citi employees can view the transaction in real time. My trust was diminished greatly.
Product: Money transfer, virtual currency, or money service

Had XXXX fraudulent charges for the exact same amount to a debit card issued by cash app. I immediately notified cash app and cancelled my card within XXXX hours of these charges. Contacted cash app through multiple routes of contact ( in-app support, XXXX, email, and tried to call XXXX times with no answer ). These charges were made to a company called XXXX. Contacted that company to hopefully cancel the pending charges but they requested a merchant transaction number. Cash app refused to provide me with this number further delaying my funds being returned to my account. They claimed that they dont use merchant transaction numbers. I havent received a response from either company in almost XXXX hours and have made little to no ground on said issue. I feel as though no one is taking this seriously. The cash app balance that was in my account was made available for maybe XXXX hours before being taken from my account. So far I have suffered over {$250.00} in losses due to this.
Product: Debt collection

I have XXXX medical bills that entered collections while I was working on the road and did not receive the mail informing me of them. These medical bills were supposed to be covered by my insurance but when insurance failed to do so they were sent off to collections. I tried negotiating for them to take it off my credit report in exchange for a payment plan, due to being unable to pay these bills. They did not want to set up a payment plan and refused to take said bills off my credit report and stated my insurance will not cover the bills even if they provided me the original information. I feel with these being medical and insurance failing to do their part I am not responsible for this debt that has accured. I tried disputing as well through my credit service and the request was denied.
Product: Debt collection

Two medical debts ( Amounts of {$1000.00} and {$580.00} ) were added to my account by XXXX XXXX XXXX agency, Upon reviewing the details of the alleged debt, it became evident that there had been a mistake or confusion regarding the ownership of this debt. As of the time when this debt was incurred in XXXX, I did not possess a Social Security Number, which further confirms that I could not have been the individual responsible for the medical services or expenses in question. I disputed the debt with the three credit bureaus ; XXXX and XXXX didn't remove the debt but XXXX investigated and realized the debt wasn't mine, so they took it off my account. 

Furthermore, I have meticulously reviewed my records and have found no evidence or documentation indicating any association with the medical facility or services referenced in the collection notice. There appears to be a clear discrepancy, and I am confident that this debt does not pertain to me. I have since contacted the collection agency and demanded they send proof that shows the debt belongs to me, but they didn't provide that. I also contacted XXXX and XXXX and requested that you provide me with all documentation and evidence that supports the validity of this debt, including details of the services provided, dates of service, and any other relevant information. None of them could provide proof.
Product: Debt collection

On this date from XX/XX/2021 a company by the name of Credence resource Management keep harassing me with phone calls every day early morning, debt amount of {$380.00}, the old company who bought the debt was XXXX XXXX XXXX  which deleted the debt of my credit report cause they had no supporting documentation, here it is this other company is trying to do the same thing to get money out of me CREDENCE RESOURCE MANAGEMENT which I think is unfair,
Product: Money transfers

My grandmother received several emails from MoneyGram stating that her account had been created, a transfer had been requested, the transfer had failed, and more information was needed. My grandmother does not know the sender and she did not set up an account with MoneyGram using her email address. I emailed MoneyGram indicating that I was reporting possible fraud. I received an email back indicating that I must be searching for a locations and the email gave me directions on how to find them. I called into MoneyGram and indicated that I was reporting possible fraud. The XXXX rep was marginally helpful. The XXXX rep would not discuss the " account '' with me. I tried to explain that I 'm not trying to discuss an account, I 'm trying to make sure no one is using my grandmother 's information to send money. The only " resolution '' ( I use the term loosely ), the rep could offer was that my grandmother had to call in herself. I asked what, if anything my grandmother could do if she called in ( clarifying that I was asking about the standard procedure, not any details related to the account ). The rep said she could n't give me any information and that my grandmother needed to call back in.
Product: Debt collection

Dear Representative, This is NOT my debt and I NO knowledge of the DISPUTED acct. 
It 's passed seven years and they proceed to attempt to collect on it. 
In the past they were notified to stop collection on a acct. that is not mine or was opened under Identity Theft! It permanently remains disputed and must be removed off my credit file. 
Thank you, XXXX XXXX XXXX