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

I called TransUnion on XX/XX/year>, on or around XXXX XXXX  PDT. I spoke to a male agent who sounded offshore ( XXXX ). As I was speaking to him his phone suddenly went silent and I was unable to hear him. I kept saying hello, are you there? There was no response. After a long moment of silence, his call disconnected. This is known as call-avoidance and is unacceptable. This is a pattern and practice with TransUnion. I have submitted complaints against TransUnion on innumerable occasions regarding this matter. I seek to hold TransUnion accountable.
Product: Debt collection

Today XX/XX/, I ( XXXX XXXX ) Was contacted by another collections agency and it led me to investigate my credit report. Finding that there is a collections mark from a " Jefferson Capital System '', from a XXXX Reward card. 
I ( XXXX XXXX ), have never opened a XXXX reward card nor am i the owner who has access to the account. My mother ( XXXX XXXX ) is the account owner and the only person who has access to it. I am only finding out about it due to my personal investigation. This account was opened under my name, my mother having access to all my information and listing herself as the secondary name on my credit report. 
I put in a dispute to have her name removed and it has now been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing a complaint because the Credit Bureau Equifax has not followed through with their 30 day policy. I have not heard any response from the Credit Bureau. I have sent out a dispute letter on XXXX because there are false information in my credit report. I should have heard from them by now. Which I have not. Below are the account I am asking to have be dispute. 

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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

On XX/XX/XXXX I have received a total amount of {$1100.00} in Bitcoin ( XXXX BTC ). I sold the Bitcoin which came to an amount of {$1100.00} which was supposed to be wire transferred to my account with XXXX XXXX XXXX  and the funds should have been available on XX/XX/XXXX. The funds were never deposited to my account. 

I have contacted COINBASE a total of 47 times over the phone and email from XX/XX/XXXX up to today XX/XX/XXXX to no avail. They have created the case # XXXX which has been " escalated '' over 3 times, supervisors have added notes to it, so have representatives. No additional answer from COINBASE and it has been over 2 months now.

Additionally I have requested a letter from COINBASE explaining their wire transfer issue so I can show to my bank in attempts to have over 16 overdraft fees in the amount of {$34.00} each reversed. No answer from COINBASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I tried to cancel my Experian Credit Tracker account by following their instructions listed on their website : https : //experian.experiandirect.com/credit # /signin Here are the instructions : " How do I cancel my membership? 
If for any reason you are not satisfied, you can call us to discontinue your membership and stop the monthly billing. However, you will not be eligible for a prorated refund of any portion of your current month 's paid membership fee. To cancel, please contact Customer Care at XXXX. '' After a call to that number I was instructed to enter the following information : Social Security Number, Zip Code, house # of my street address, birth-date ( mmddyyyy ) and followed the menu option to select membership and cancellation but was told by the system did not have a membership which I do have. I never spoke with a live person and there was no option available to do so. I repeated calling and repeating the process to be sure I followed their process correctly. 

After a number of XXXX searches I see that I am not alone : XXXX XXXX XXXX and XXXX XXXX XXXX I am outraged by Experian 's shady practices . 

I also recently received the following unsolicited email and forced upgrade from : XXXX Hi XXXX, Because we are constantly looking for ways to provide our loyal members like you with new and improved features, we will be upgrading you to our best-in-class premium Experian membership. We're doing this so you can have access to more robust tools that empower you to take control of your financial life. We hope you enjoy your new benefits. 

You'll soon receive a whole host of great new features we're sure you'll make the most of : Lock your Experian credit file on demand ; get daily access to additional industry-specific FICO Score versions that are commonly used for mortgages, auto loans and credit cards ; our enhanced FICO Score Simulator, which can help you plot a path to a better credit score ; personalized credit card offers based on your profile ; a new, easy-to-use interface ; revamped on-the-go mobile app access, and more - all on top of the many other benefits you're already enjoying. 

With this next upgrade, your membership price will change to {$19.00} plus applicable sales tax. You should see this reflected during your next billing period. 

You don't need to take any action right now. We'll let you know when you've been upgraded and show you how to make the most out of your new and improved membership when the time comes. 

Sincerely, Your Experian.com Team
Product: Debt collection

Called me on XX/XX/22 at XXXX, XXXX, XXXX, and XXXX. Called me on XX/XX/22 at XXXX, XXXX, and XXXX. Called me on XX/XX/22 at XXXX. Called me on XX/XX/22 at XXXX XXXX. Called me on XX/XX/22 at XXXX, XXXX, XXXX, XXXX, and XXXX. Called me on XX/XX/22 at XXXX. Called me on XX/XX/22 at XXXX, XXXX, and XXXX. Called me on XX/XX/22 at XXXX. Called me on XX/XX/22 at XXXX. There were more called but I am in the process of requesting call records from my credit card company. They only left XXXX voicemail on XX/XX/22 at XXXX.
Product: Checking or savings account

For the past few years, I pay my rent every month through the ebill and there has never been an issue. In XXXX, the lady I pay rent told me she never received XXXX, XXXX rent. I knew I sent it and saw it had not cleared, so I had another check sent to her. That overdrew my account twice due to my phone bill. So, I called Commerce bank. They told me that my landlord did cash the check, just late on XX/XX/20. My landlord checked her records and said that she was certain she never received the check. I called the bank again and they argued and finally transferred me to another lady, who compared my landlords signature against the endorsement on the XXXX check. They did not match. Im told it was endorsed by XXXX University. They sent my landlord a document to sign. Since then, i have to constantly contact them to find out what is happening. The last time I spoke with them, the woman told me that they know someone else endorsed the check but that I have to find the person in XXXX University and ask them to return my rent money. The bank has the routing number for the account. They dont have a copy of the check posted to my account and after all this time and repeated promises, I still dont even have a copy of a check for proof. Who would even give me money with nothing anyhow? Not to mention, I have serious side-effects from XXXX treatment and I dont have the strength to chase this down.
Product: Mortgage

I applied for the homeowner assistance fund and was awarded a XXXX XXXX to assist me with my mortgage with Mr. Cooper. ( see attachment ). I have been trying to get Mr. Cooper to facilitate the reinstatement of my mortgage and bring me current and despite everything I have done to comply with there request of me, I now believe that are they are being unfair and deceptive in my need at the moment and are causing me and my family unwarranted and undue stress. 

I have been told by XXXX XXXX with the State of Tennessee that the first disbursement that went out to Mr. Cooper was rejected and sent back despite of them being a participant in the HAF program. I have also been told by their customer service and collection department that they deny all knowledge of my grant. ( see attachment ) I was told again today XX/XX/2022 that the State of Tennessee reached out to their ( Mr. Cooper ) team a couple weeks ago and requested documents again as to arrearage because they rejected the initial funding for my account and they still have not responded. ( see attachment ) I am extremely concerned now due to the unfair and deceptive ways of Nationstar which has now been branded under the Mr. Cooper name and I am worried that Dejavu may be occurring again as to unfair and deceptive acts. Please investigate this matter and see if there are patterns that will suggest what I am complaining about today.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and CoreLogic refuse to send me a copy of my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to correct this multiple times now. The credit bureaus continue bending the law and violating the Fair Credit Reporting Act. 

According to 15 USC 168i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is in fact ; inaccurate. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Although provided with SOURCE DOCUMENTATION they did not verify public listing, erroneous bankruptcy information remains.
Product: Mortgage

Good afternoon, My Wife and I refinanced our mortgage back in XX/XX/2019. The loan was payed in full on XX/XX/XXXX. 

Since then we have not yet received the refund of our escrow balance which was held with our prior servicer. The value in full is approx {$5200.00}. 

I have spoken with our prior servicer ( New Rez ), and they informed me that it may take over 60 business days from the loan payoff date before a refund check is issued. 

When looking into the matter myself, I noted that in the CFR 1024.34, service providers are required to refund escrow balances within 20 days of the loan closing. When I informed New Rez of this regulation, they stated that they have their own internal policy and are not aware of the regulation. 

To me this is a direct violation of the CFR as it pertains to servicers and the handling of the escrow refunds. Your assistance with the matter is greatly appreciated. For your convenience I have put the full style of New Rez below. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX XXXX - XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a portion of my credit file related to fraudulent activity. However, there are still items that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$7300.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoke with Capital One Auto Finance customer service department. I have also reached out to all 3 credit bureaus numerous of times trying to resolve this issue. This account is reporting different Payment histories to all three credit bureaus. Every time I try to dispute the issue it has been returned back to me that this account is reporting accurate. I have disputed this account more than 5 times. This is hurting me tremendously and it seems as if no one is willing to take the time out to correct the issue. Credit bureaus get smart and state that Companies can report what they want and do not want to report. I am trying to gain custody of my daughter and i can not do that if my credit history is not reporting accurately for me to even rent a decent home to stay. I am tired of living in shelters. I am tired of having to share space. If someone could just please take the time out to look at what is being reported and correct the issue. I have also provided screenshots so that you can take a look for yourself.
Product: Debt collection

Fidelity Information Corp, on behalf of original creditor, " XXXX XXXX and XXXX XXXX XXXX, '' is attempting to collect a debt for which I was never contractually obligated. This debt, resulting from unpaid obligations to rental property management, should only be assigned to the contracted lessee, my father. At the time, I was a dependent of my father ; he was my sole source of housing and financial support, as I was an unemployed full-time college student. Although I was likely listed as an occupant on my father 's rental agreement, I never signed a lease, and never agreed to pay any portion of the rent. The collection agency, Fidelity Information Corporation, has been unable to provide me with adequate proof of this debt, and has been unable to prove that I was contractually obligated to repay this debt resulting from a contract that my father signed while I was listed as his dependent.
Product: Money transfer, virtual currency, or money service

There was fraud/scam on my account through the service Zelle and no help will be given by any of the financial service companies associated with my account. The amount of the fraud was {$850.00}. It was sent there due to a scam about a puppy and the company the transaction was made to was a shell company and did not ever intend to trade any good for the money stolen from me. XXXX  XXXX XXXX and Zelle are of no help in this fraudelent case and have done nothing to resolve this issue or take the scamming business user off of their services. This business is consistent in their ways, as I had my significant other creat an application, to which the whole process was exactly the same, and I assume the process is repeated over and over again to many eager dog wanting consumers out there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the accuracy and completeness of this account on XX/XX/2022 and CITI BANK NA certified and verified that the information being reported is accurate. After CITI BANK NA verified the information as being reported accurate, I pulled my XXXX, XXXX, and XXXX consumer reports and noticed that the information is still incomplete and inaccurate. It's clear that CITI BANK NA failed to conduct a reasonable reinvestigation. This is a failed requirement of Regulation V under 12 CFR 1022.42 and a violation of 15 USC 1681s-2 ( b ) of the Fair Credit Reporting Act and CITI BANK NA is liable under 15 USC 1681n and 15 USC 1681o .
Product: Credit reporting or other personal consumer reports

My credit report is showing that on XX/XX/year> Synchrony Bank received an inquiry from the store " XXXX XXXX '' for a credit card. I did not apply for a card from this store. I called Synchrony Bank @ XXXX XXXX and they couldn't find an application with my name/ Social Security number or phone number in there system. They said that they would show on their end that I was disputing this inquiry. I did file dispute with FTC also.
Product: Checking or savings account

Tried to link my XXXX card with my PNC bank account and the bank wont connect to the card
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Unauthorized credit inquiry I am writing to request the removal of an unauthorized credit inquiry on my XXXX, XXXX  and XXXX credit Report. 

My latest credit report shows a hard inquiry from your company. Ive had a security freeze and fraud alert on my credit file since 2007. According to the FCRA data furnishers are responsible for reporting accurate credit information. The FCRA also states a potential creditor must adhere to FCRA fraud protection guidelines. 

As a consumer I have done my due diligence to seal my credit file. Utilizing the credit freeze feature and fraud alert feature. Your company is in violation of the Fair Credit Reporting Act. My credit file was accessed illegally by your company. My credit file clearly states a company must contact me via phone to ask identifying questions. 

Your company allowed someone to gain access to my credit file to apply for credit I did not authorize. Please remove unauthorized inquires from my credit file. I would appreciate a copy of my credit file once this issue is resolved. 


Unauthorized account information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account is Identity theft, XXXX has been informed multiple times. XXXX has misled in regards of the fraud/identity theft process, documentation proving identity theft was provided multiple times and also sent via mailed format. My name is NOT XXXX XXXX, I am NOT and never have been associated to XXXX, my address is NOT XXXX XXXX XXXX XXXX XXXX , I have never been associated to said address. I have NEVER used XXXX services, I have NEVER inquired in regards of XXXX  services. 
This is discrimination and misleading on XXXX part, I am now being harassed by XXXX, Representatives have failed to resolve correctly. I have been more than cooperative, providing every document requested by XXXX yet they have not marked this as fraud, leaving the possibility open for whoever stole my social and committed this atrocity to potentially reuse their services, unacceptable. This is Negligent and XXXX needs to be stopped. XXXX is to delete this from my credit. 

By law, 15 USC 1681i I am requesting a re-investigation Additionally Law 18 USC 1028A
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting via 3rd Party ( reported to be XXXX ) a Chapter XXXX Dismissed Bankruptcy allegedly report to be in XXXX, XXXX. I contested this reporting directly with TransUnion in writing ( XX/XX/XXXX ) and they responded that it was reported by a 3rd Party ( XXXX ) to them. I then filed a Complaint ( XX/XX/XXXX ) in writing directly with XXXX after being told this was the reporting 3rd Party by TransUnion. Initially they gave me the " round around '' asking for identifying personal information that they had already been provided. I provided this info again as well as filed a Complaint ( XX/XX/XXXX attached ) against them with the NC Attorney General 's Office Consumer Protection Division. XXXX  then responded that the contested Bankruptcy information had been deleted from my file with them. I then in writing ( XX/XX/XXXX ) relayed that information along with another contest of the reporting to TransUnion and included the document ( attached ) from XXXX stating that the Bankruptcy filing had been removed from my file with them. TransUnion as a result started a " new '' Dispute investigation and on XX/XX/XXXX notified me that it was complete and the the 3rd Party had " verified '' the Bankruptcy information. That's not true or possible as XXXX themselves verified in writing that the information had been removed from their files just two weeks earlier. 

In addition the Federal Bankruptcy Clerk of Court as per US Bankruptcy Court Policy does not verify or report bankruptcy cases to any credit bureau 's or other such 3rd Party 's.
Product: Credit card or prepaid card

I have filed 2 disputes that have been denied. I also followed a different dispute for XXXX and it was XXXX my favor Wich are the same transactions. With bank of America through XXXXXXXX. My name XXXX XXXX XXXX.
Product: Bank account or service

My wife and I have had a joint checking account/savings account at TD bank in XXXX, NY. The checking account is called " relationship checking ''. It was opened on or about XXXX/XXXX/XXXX. 

I looked up their different checking account plans and saw for the first time that they are not supposed to charge a monthly maintenance fee to process my accounts since I keep substantial sums between my checking and savings account held by them. 

I noticed that I have been improperly charged $ XXXX/mth for almost 4 years. On XXXX/XXXX/XXXX, I met with assistant store manager, XXXX XXXX, who acknowledged the bank 's error and told me she would look into it. They only credited me {$100.00} instead of the almost {$1200.00} that they had improperly charged as maintenance fees. On XXXX/XXXX/XXXX, I met with Asst Vice President, XXXX XXXX, who said the bank would make no further credits to my account. He said that I should have seen the charge on my statements. I told him the bank was illegally profiting from its own mistake. 

First, I was never told that my " relationship checking '' account was " maintenance fee '' free. If I had been aware of this, I certainly would have disputed it years ago. Second, they opened the account and their computer program never should have entered a monthly fee in the first place. Therefore, an employee of the bank must have altered the program or my specific account to do so. 

Not only have I been defrauded by TD bank, but I am sure that I am not the only depositor who is or has been paying " maintenance fees '' unnecessarily since they do not advise their customers of any improper charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to remove the Extended fraud alert from Experian and XXXX. 
They have asked me to send the passport/ id etc. and i have complied with all of their request. I have not received and response form them. I have tried this multiple times and they are not resolving the issues. I have been truing to do this for the last 7 month. It is frustrating and it is preventing me from obtaining new credit. Please remove the fraud alert from my credit reports.