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

On XX/XX/year>, I attempted to freeze my credit with all three credit bureaus. Only TransUnion ( TU ) was a problem. Online, they opened an account for me, and then have not allowed me access to that account, saying " unable to verify ''. Yet, they verify me by automated phone, by email, text code, etc. and still won't let me in the account! I've been trying for a week now. I've left callback info on their automated phone line several times now, which required answering a long list of verification questions, then been promised a callback in calling order. NEVER got a callback! I've tried their chat which gets only long, useless, unrelated answers, from a machine that doesn't help at all. 

I NEED to know if my credit report is frozen, or not, and I need access to manage that freeze! 

Follows my feedback to Trans Union : TransUnion Feedback XX/XX/year> I've tried for two full days to freeze my credit. All I get on login is " unable to verify ''. Called twice, each time getting a promise to return my call. Never got a call back. PLEASE, fix the contact methods on your site. Give people a real way to contact you! 

XX/XX/year> - Unable to finish login for five days now. Unacceptable! Obviously, your online access has totally failed! I've called, and been put in line for a callback, multiple times. No callback yet for days! I NEED access to my credit info!
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 XXXX XXXX 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .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 severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Debt collection

I received a robo-call from a local number ( XXXX ) XXXX which directed me to call a different number ( XXXX ) XXXX. 

The person on the other end was attempting to collect a debt from my wife on behalf of XXXX and XXXX, and they gave the last 4 of her social security number to identify her. They said she owed on a debt from Cash Net USA and wanted to settle the debt, however that debt was taken care of 2 years ago. 

I knew it was a scam and informed them as much and they replied that if they wanted to scam me or my wife they had our full social security numbers to use if they wanted. 

I looked up XXXX and XXXX on XXXX and there is a very basic web page describing the business amd the number was different from the ones I was dealing with. I called to inform them someone was using their name to collect debts illegally but nobody picked up, I left a message. They may not even be real either.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX  XXXX XXXX XXXX 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 CA XXXX XXXX XXXX XXXX XXXX  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

The office of the Attorney general 's office is reporting i owe back child support in the amount of {$12000.00} since XX/XX/XXXX and i have had custody of my XXXX year old daughter since XX/XX/XXXX .I have tried  multiple times over the phone and visiting the local office and still they refuse to remove it from my credit report.I am having a difficult time getting hired by XXXX XXXX XXXX as well due to the high amount being reported being over the allowable limit of {$1000.00} in colloection 's by there company.So i am still unemployed pending this, and it has knocked my credit score down over 60 points also .I contacted Transunion and XXXX to dispute it as well and still have n't had luck through them either. My custody is pending a court order to finalize via the court 's, i would like assistance now to have it removed and i have over 13,000 dollars on hold for me since it 's being taken out of my child support weekly still. Thank You, XXXX XXXX
Product: Mortgage

On XX/XX/XXXX we refinanced our home via a conventional 15 year mortgage with XXXX XXXX, later known as First Merit, now part of Huntington Bank. As shown on the promissory note in the attached document ( pages 1 and 2 ) the final payment was scheduled for XX/XX/XXXX At that time we discovered that there was still a balance on the loan. When we contacted Huntington Bank, we were told that this was due to the loan being based on " Daily Simple Interest '' and that the difference was due to payments that occurred on weekends and were posted a day or two after. All of the payments on this loan were made on time via automatic payment. We were compelled to pay a total of {$2800.00} after the Maturity date. In the attached documents we could find only a handful of payments where this might apply and nothing that indicated that it was this type of interest. Additionally, we were told that they could only give records going back seven years as that was all the IRS required. It seems absurd to me that the bank would delete records on an open loan. ( this is included in the email which is page 3 and 4 of the attached document ). 
Also the activity statement in the second document shows three transactions of {$2400.00} each on XXXX XXXX we were never informed of these transactions and no one that we contacted at Huntington Bank was able to explain this.
Product: Student loan

I have been trying to receive a refund from Aidvantage, prior to applying to student loan forgiveness. I first contacted Aidvantage on XX/XX/22 about receiving a refund via direct deposit, for loans that I have paid off during the loan freeze. I did not receive any sort of paper trail of the discussion even though I asked for an email confirmation detailing the refund request. I called again XX/XX/22 to ask for an update and an email confirmation of my refund request. I was told it would take 4 weeks to reveive the refund, from when I put in the request, yet I have not receive a refund. My balance has not been updated either. I also never received an email confirmation of this call. There has been zero communication nor updates on behalf of Aidvantage.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized hard inquiries listed on my credit report. These inquiries are inaccurate and do not reflect actions that I authorized. Under FCRA only inquiries made with my explicit consent or in connection with a legitimate credit application should appear on my report. Per Section 604 ( a ) ( 3 ) of the FCRA, a consumer reporting agency may only include inquiries when a consumer initiates a credit transaction, applies for employment, or otherwise provides explicit consent.
Product: Debt collection

I RECEIVECED A CALL TODAY FROM RESOURCE MANAGEMENT GROUP XXXX. XXXX XXXX XXXX North Carolina, XXXX, CALLING ME IN AN ATTEMT TO COLLECT THIS PAYMENT, THIS IS THE 3RD COMPANMY 2 CALL ME PERTAINGING TO THIS DEBT WHICH HAS BEEN PAID SINCE XX/XX/XXXX OF THIS YEAR, THEY HAVE SOLD THIS DEBT SEVERAL TIMES, AS WELL, AS THEY ALL HAVE MY DATE OF BIRTH LAST FOUR OF MY SOCIAL SECURITY NUMBER, I HAVE ASKED THEM TO CEASE THE CALLS, CEASE SELLING MY INFORMATION AS IT IS A VIOLATION OF MY RIGHTS, I AM AN XXXX VETERAN SUFFERING FROM XXXX THIS IS CAUSING ME EXTREEME XXXX XXXX, PLEASE HELP
Product: Credit reporting or other personal consumer reports

I did not authorize any of the below. Please remove all my credit immediately. 

Equifax credit file XXXX - ( inquiry ) XX/XX/XXXX XXXX  XXXX  XXXX  - ( inquiry ) XX/XX/XXXX XXXX XXXX XXXX - ( inquiry ) XX/XX/XXXX XXXX  XXXX XXXX  XXXX  - ( inquiry ) XX/XX/XXXXXXXX XXXX XXXX  XXXX - ( inquiry ) XX/XX/XXXX PLEASE REMOVE IMMEDIATELY!!!
Product: Credit reporting

I submit a request through annualcreditreport.com, but Experian will never provide it. Instead I am asked to mail identification and a copy of a utility bill. This is a nuisance. Experian should provide the report to me free and online, as the other XXXX agencies never have a problem doing this through annualcreditreport.com. This happens every year with Experian.
Product: Checking or savings account

I filed a dispute with Chase for {$2100.00} after my debit card has been stolen from my vehicle and I requested that Chase to send me a new debit card through XXXX, not through my mailbox because I live in the bad neighborhood. I was unable to get my charges back and I even contacted the merchant and they didn't respond. Chase denied my claim and never return these amount back into my account and threaten me that I can not open any account with Chase again.
Product: Mortgage

The mortgage company place me in a foreclosure states due to no payment. I called to see what was going on in XX/XX/XXXX and I learned they had place my payments that they automatically withdraw each month into a different account. We called thought we fixed it and yet XX/XX/XXXX we are dealing with the same issue. We dont hear anything until we are told we are in foreclosure and we pay every month the full amount. This is stressful. Im now contacting a layer because every time we talk to someone with this mortgage company its something different or that its fixed or they cant do what they are doing. Oh they told me in XX/XX/XXXX that they over charged me due to my military statice for my interest and that I was owed XXXX XXXX They said they would send us a check never gotten that. We have called to ask about it and were told they will send it. Sit till no check.
Product: Mortgage

I have been trying to do a short sale with the  Wells Fargo sinc e  XXXX    XXXX  . The everytime I get an offer in the lender counters the offer and when my buyer meets the counteroffer, they counter the offer with a higher price.  Now the lender has countered the offer at $ 165K and I my payoff is $ 145K. This  is ridiculous. The lender is being impossible, and I am trying the best that I can to get my property marketed and viewed, now my foreclosure date is in a couple of days and the file has been with the escalations department for wel l over two ( 2 ) wee ks and they still can not give me an answer. I need help. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX, XXXX XXXX XXXX XXXX New Jersey attempted to perform a credit check through Experian to allow me to finance the cost of installing a new furnace in my home at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX where I've live with my family for XXXX years and have had an account with XX/XX/XXXX that supplies our natural gas and electricity. Experian responded to XXXX XXXX XXXX that there is a freeze on my credit report account and that I need to unfreeze the account for them to release the requested information. Please note that I had my identity stolen in XXXX, XXXX, and following the Federal Trade Commission 's protocol, I had my credit frozen for 7 years. On Experian 's website I filled out the form to unfreeze my account and received a message that stated, " We are unable to process your request as our records show you do not currently have a security freeze on your credit report. '' Consequently, I am unable to get the credit approval to go forward and have the furnace replaced. All I need to do is to temporarily lift the security freeze on my credit report at Experian. Please note that XXXX XXXX XXXX utilizes only Experian for credit checks. So according to Experian, I do and do not have a security freeze on my credit report. Please advise me as how to resolve this issue. Thanks in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In compliance with the submission of this complaint, I have listed the dates and so forth as instructed. On XX/XX/XXXX I paid USPS a fee of {$18.00} and sent a signed, notarized certified letter with an Identity Theft Affidavit to XXXX  and Experian regarding a fraudulent account on my credit reports. 

I received notification that XXXX and Experian received my notarized certified letter with its contents on XX/XX/XXXX. In compliance and understanding with the Fair Credit Reporting Act, Section 611, the credit bureaus have 30 days to investigate and remove, block the fraudulent account in question that is being disputed. 

On XX/XX/XXXX I paid my credit monitoring website, www.experian.com a fee of {$24.00} to refresh and review my credit reports. I became aware that the fraudulent accounts have not been removed and on XX/XX/XXXX and the accounts are STILL on my credit report causing a health risk and strain on my person. 

It is now XX/XX/XXXX and giving the credit bureaus extra time from the holiday season to process my request to remove the fraudulent accounts STILL have NOT been removed from my credit report and causing an additional health hardship on me and my family because of this. I am enlisting the Consumer Financial Protection Bureau for assistance in this ongoing issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Experian XXXX XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXXXXXX Balance {$3500.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX  XXXX Balance {$0.00} Inquiries : XXXX  Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 2021
Product: Vehicle loan or lease

On XX/XX/XXXX in the late afternoon or early evening my boss took me to check out at ad for XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. Telephone number is XXXX. I called before going and was told that some of the cars from the current ad where still there. When we arrived in a matter of minutes all the cars were gone so I picked another vehicle. I filled out the credit application and was told that I needed a co-signer ... or they would carry me with more down. I asked at that point if that would require another credit check? I was lied to. I was told not to worry that all inquiries are soft until approval then it would be more detailed at contract signing. I went home to get more money and in checking my credit report I discovered that their credit department ran my credit 5 times with agencies I never approved of. They even tried with my own bank without my permission. This tactic of lying, confusing and misleading advertising and marketing is high-pressure sales without concern for the consumer so now that I was deceived I refused to go back to XXXX XXXX XXXX with my {$3000.00}. Because I never bought the car from them now my credit report reflects a flat out denial when I could have bought the car. I called several times and nobody would come to the phone nor call me back ...!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a pay off amount of {$14.00} that I paid in full for my car loan. I have receipts of payment in full and recieved my car title but they reported a delinquent. It is still reported on my credit report as a delinquent. I would like this error to be removed due to first Hawaiian banks error.
Product: Mortgage

Since XX/XX/XXXX, I have been trying to modify my loan with Flagstar Bank. I have sent them THOUSANDS of documents. On my last call in XX/XX/XXXX, I mailed and faxed EVERYTHING the gentleman XXXX  instructed. 
When I called him back, he tells me FILE INCOMPLETE. I said WHY? And he said I must explain all deposits over 500.00. I asked him, WHY DID YOU NOT ASK ME THIS THE LAST TIME? He admitted that he was in error. 
I then sent them those bank statements. I call today to follow up and he says FILE CLOSED. I do not want to work with him any longer. I have sent them insane requests that they have asked for, and they are doing NOTHING to try and help me. 
Please help me.
Product: Debt collection

XXXX XXXX XXXX assisted with my aligners that I finished treatment for over a year ago, their company announced multiple files they are going bankrupt and no longer can service customers in ordering aligner, services, or continuing with replacement aligners. The actually branch locations closed down and they all of a sudden send a bill to everybody when theyre no longer in business.
Product: Credit reporting or other personal consumer reports

My name, address, is not correct not even my name. 
Second I have numerous inquiries on my account I have charge offs in my account I did not make. 
I have reached out several times and all my disputes was denied. I want all the money owed to me due to my information being leaked in the data breach, my credit has suffered due to this, XXXX has violated my rights
Product: Debt collection

The original debt was {$530.00} from Speedy Cash. I do not remember the original date but it was over 7 years ago. In XXXX or XXXX of 2020, I noticed It was removed from my XXXX  credit report. Now it's back on my XXXX  credit report from a debt buyer, XXXX XXXX XXXX with a different open date of XX/XX/2020 and their collection date opened on XX/XX/2020. I also did not receive any collection notices.
Product: Mortgage

To whom it may concern, On XXXX XXXX, 2015, I applied for a loan to refinance my home with XXXX and was denied because of my income. I later applied through QuickenLoans to get into the HARP program and was once again denied for the same income issue. A week later I reapplied, and on XXXX XXXX, I received notification from QuickenLoans stating their reason for denying me as being a credit issue. Attached with the denial letter was a copy of my credit score of XXXX, and QuickenLoans required credit ratings of XXXX. I would like someone to look into this matter because when I applied the first time my credit was not an issue. Also during all XXXX times I applied I was told everything was up to date and would be approved. I am now questioning their reason for denying me because the denial letter rates my credit score as within the requirements for approval.
Product: Mortgage

On XX/XX/2022, I entered into a Deferment Agreement with Truist Mortgage. The agreement was to have all missed payments and fees moved to the end of the loan. I would have to make a payment of {$1200.00} and sign paperwork and send it by email. I signed the paperwork, emailed them to XXXX XXXX, a client service representative. I also spoke with XXXX and made the payment {$1200.00} and received a confirmation number of XXXX. It took more than 14 days for the deferment to process. When I received the first statement after the agreement XX/XX/2022 ( for XXXX payment ) the deferment did not appear. I called and spoke with XXXX and she insured me that once it mailed the deferment would show. When I received the Monthly statement for XX/XX/2022, it didn't. Then when I received the XX/XX/2022 statement it showed the deferment but there was a fee of {$2500.00}. Under item XXXX on the deferment it stated that " any late fees will be waived by the Servicer ''. When I contacted Truist with several calls and emails regarding the fees being deferred they said they were fees from BB & T Mortgage before the merger. The fee amount changed during the deferment and portions forgiven. Why wasn't the remainder forgiven or deferred?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that are currently listed on my credit report. I have reviewed my report and found several items that I do not recognize and believe may be fraudulent. 

Firstly, I am disputing an inquiry from XXXX XXXX  XXXX dated XX/XX/XXXX. I have no recollection of authorizing this inquiry and suspect it may be fraudulent. Therefore, I am requesting that it be removed from my credit report immediately. 

Secondly, I am disputing inquiries from XXXX XXXX and XXXX XXXX, both dated XX/XX/XXXX. Again, I do not remember authorizing these inquiries and suspect they may also be fraudulent. Therefore, I am requesting that they be removed from my credit report immediately. 

Additionally, I am disputing several accounts that I have no recollection of belonging to me. These include an account with XXXX XXXXXXXX, account number XXXX, an account with XXXX XXXX, account number XXXX, and an account with XXXX XXXX, account number XXXX. I believe these accounts are frivolous and should not be listed on my credit report. Therefore, I am requesting that they be removed immediately. 

Lastly, I am disputing an inquiry from XXXX XXXX dated XX/XX/XXXX. I do not remember authorizing this inquiry and suspect it may be fraudulent. Therefore, I am requesting that it be removed from my credit report immediately. 

I appreciate your attention to this matter and look forward to receiving confirmation of these items being removed from my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Someone did unauthorized loans with affirm for XXXX purchases. There are 3 different purchases /loans that were completed not by me on XXXX XXXX exceeding XXXX! Affirm is now asking me for monthly installment payments for these loans beginning XX/XX/2023. I submitted a claim with affirm directly who is now saying I am responsible for these loans that I did not receive any merchandise on nor complete any transactions with on XXXX XXXX with XXXX. I need this responsibility removed immediately