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

XX/XX/XXXX at approximately XXXX I called XXXX to obtain new cellular phone service. XXXX XXXX ( sales rep ) asked me several questions. When she asked me for my social security number I paused. I asked if she was running my credit because if she was then I would call back later after speaking with my mortgage broker. I told XXXX that I was currently in the home buying process and inquires would delay the process. XXXX assured me THREE times that the inquiry would just be a soft pull. When she asked me if I gave her permission to check my credit, I said " Yes, only if it is a soft pull ''. She assured me again that it was just a soft pull. Once she pulled my credit report I got notifications from multiple credit monitoring services telling me a new inquiry was added to my TransUnion report. I immediately told XXXX what was happening. I told her, " I thought you said this would be a soft pull?! '' She told me to hold and I could hear people in the background correcting her. 

I spoke to her supervisor, XXXX XXXX ( Sales Manager ) -he told me there was nothing they could do about it. They are required to pull credit to offer service. Even after telling him I did not authorize XXXX XXXX to pull my credit under their terms he still said there was nothing he could do. I asked to be transferred to their credit department. I was connected with someone named XXXX ( supervisor in credit department ). XXXX understood the problem. She told me to give it some time maybe it didn't report as a hard pull. She said she would call me back Monday ( XX/XX/XXXX at XXXX ) to follow up. It is not XXXX and I have yet to receive a return phone call. 

I called XXXX 's coroporate office and spoke with XXXX. XXXX told me in order to resolve the issue I would have to write a letter and mail it to them ( postal mail ) and wait for a response. I asked to speak to his supervisor ( XXXX ) who said the same thing. The only way to reach an executive at XXXX is to hand write them a letter and hope that they respond. He also directed me to call Transunion to initiate a fraud report since my credit was pulled without my authorization. I explained that I was in the process of purchasing a home. Fraud reports would delay the process even more than XXXX already has done. 

I am very disappointed in the way new customers are treated at XXXX. All I wanted to do was start 5 new lines of service. It has been nothing but a nightmare dealing with employees at XXXX. The customer service is a huge disappointment. 

I would like the inquiry to be removed immediately as I did not authorize XXXX to pull my credit report. All coversations with XXXX are recorded. They have copies of me specifically telling XXXX XXXX not to pull my credit unless it is a soft pull. After speaking with several people in supervisory roles it is clear that good customer service is not on their list of priorities. They all acknowledged that the employee should not have pulled my credit but refused to offer an resolution to the matter.
Product: Debt collection

SST ( Systems & Services Technologies , Inc ) I have never contacted this company regarding the services they offer, I have never requested services from this company. I have given no permissions to this company in any respect. 

Since XX/XX/year>, I have received IN EXCESS OF 60 phone calls, 15 emails, 10 text messages- directly violating the FDCPA. ( call log, email, and text ( s ) attached ) References to the FDCPA regulations and the permissions they have are attached as well. 

On multiple occasions since XX/XX/XXXX, I have requested they cease and desist. They have refused. They continue to annoy & harass.
Product: Checking or savings account

On XXXX I tried to deposit a check from my condo insurance company ( XXXX ) to repair my damaged bathroom. It had been damaged due to a water leak and required extensive repairs. The check was for {$4200.00}. Its was made out to me and my wife as both our names are on the property. However San Diego County Credit Union ( SDCCU ) rejected the check as my wife is not on the account. She previously had a joint acct. with me but during covid her employer was closed. She is a teacher and her school was closed. Her acct. became negative, was overdrawn and closed. I paid off the fees and such and left my own acct. there. I offered to have us both come in and sign the back of the check. SDCCU refused. I then asked to speak to the XXXX. A XXXX XXXX XXXX XXXX and was told to wait. Then XXXX XXXX, a different SDCCU employee, came out and gave me XXXX card and said she doesn't have time to see you. You should leave. 

I then took my wife to XXXX XXXX  XXXX to open a joint act there so I could cash the check. I am still without a functional bathroom. They refused stating there was some issue with my wife and SDCCU so they couldn't open an act for her and I together.

This same SDCCU revoked my credit cad 10 years ago despite the fact that I was current and never missed or made a late payment. The same SDCCU denied my request for a mortgage against my condo which I had previously paid and and was free and clear with a value of {$900000.00}. I only requested $ XXXX for home repairs and they rejected it despite my being a member for 30 years. I soon obtained {$150.00} K financing from a mortgage broker which was shocked that SDCCU turned me down. 
They have also charged me numerous over draft fees despite my having sufficient funds in the account. 

SDCCU has lied and said they are there to service their members but refuse to provide me with good service and in fact have ruined my credit by closing my oldest credit card for no reason. Also by Refusing to service my financial needs causing financial harm and affecting my health as I am still without a functional bathroom. 

I believe that they owe me an apology and a credit for every time the charged me a OD fee when there were funds in m account. I believe that they are violating their own status as a credit union by engaging in practices that do jot meet the standard for being licensed as a credit union. 

I ask that their status as a member friendly credit union should be investigated. I believe they should refund me for the unfair OD fees, and also remove any negative reports which other credit unions or banks look at as I still can not cash the check and am still without a bathroom.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ {$720.00}.
Product: Debt collection

Hello, At Approximately XXXX XXXX EST. XX/XX/2023 I had an inbound call from the Law Office of Robert A. Schuerger Co., LPA, in regards to a debt I owe for student loans, in the amount of {$920.00}. 

I work Monday through Friday XXXX, so I couldn't answer the call, he did not leave a voicemail, but instead decided to call my younger sister, XXXX XXXX XXXX who was also working. She is not listed anywhere as a guardian, or emergency contact. 

She answered the call, and described the call as aggressive, and that he was an attorney trying to reach me, he mentioned the University XXXX XXXX, and that he was asking for my employer, and where I lived. This caused her to call me, she was very distressed, and said that he was being very aggressive, and it made her worried that I was in some legal trouble of some sort. Now I can hardly focus at work on a busy Monday morning. 

I called and made a complaint, and informed them I was filing this complaint to you as I believe that this was a violation of CFPBs Debt Collection Rule. 

XXXX XXXX XXXX Man who called Law Office of Robert A. Schuerger Co., LPA, XXXX XXXX XXXX XXXX, OH XXXX XXXX Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

these companies receive a inquiry of my report without my knowlege and also it is companies that i do not approve of inquiring of my credit score below 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 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 or other personal consumer reports

TRANSUNION is providing incorrect data to my credit report upon looking at the report it's obviously that this info is not right I've disputed this item only for it to come verified when you can see the XXXX  on my report with your eyes it's not possible for creditor to have this account open and the balance remains that amount considering the payment amount
Product: Debt collection

Dear : Debt Collector I am writing to request a copy of the purchase agreement related to the debt you are attempting to collect from me. To better understand the validity of this debt and the terms under which it was incurred, I ask that you provide the following : XXXX. The Original purchase agreement or contract. XXXX. Details of the terms and conditions XXXX. Documentation supporting the accounting history including transaction history Please send the requested information within XXXX  days. I appreciate your cooperation and look forward to your prompt response. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDE

R 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALS
O STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

I am writing to address a concerning issue regarding the inaccurate reporting of bankruptcy information by XXXX, which has been disseminated to other credit reporting agencies, including TransUnion, XXXX, and XXXX. This matter raises significant concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ) and related laws and codes. 

As per 15 U.S. Code 1681e, consumer reporting agencies such as XXXX are required to establish and comply with reasonable procedures to ensure that consumer reports are furnished only for permissible purposes under section 1681b of the FCRA. This includes verifying the identity and intended use of any party seeking consumer reports before providing them. Additionally, consumer reporting agencies must make reasonable efforts to verify the identifications and certifications of purchasers before reselling consumer reports. 

Given these legal obligations, I am deeply concerned that the dissemination of the erroneous bankruptcy information to other credit reporting agencies violates the FCRA and other relevant laws. The inaccurate reporting of this information not only damages my creditworthiness but also undermines the integrity of the consumer reporting system as a whole. 

Furthermore, 15 U.S. Code 1681e ( 3 ) stipulates that a person who procures a consumer report for resale shall not disclose the identity of the end-user of the report if the end user is a federal agency or department procuring the report for specific purposes, such as determining eligibility for access to classified information. This provision underscores the importance of protecting sensitive information and ensuring compliance with federal regulations. 

Therefore, I demand that XXXX take immediate action to rectify this situation by removing the erroneous bankruptcy entry from my credit report and ceasing the dissemination of this inaccurate information to other credit reporting agencies. Also that this information be removed from TRANSUNION, XXXX, and XXXX. Failure to comply with these legal obligations will leave me with no choice but to pursue legal remedies to address this matter. 

Thank you for your prompt attention to this issue. I expect a timely response confirming the corrective actions taken.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 XXXX I attempted to transfer {$630.00} from Cash App to my account at XXXX XXXX XXXX XXXXXXXX XXXX  XXXX It is an account I seldom use and was closed without my knowledge so the funds were denied. After many attempts to work this out Im told the case is closed and they are unable to help. Cash App still insists they dont have the funds but I have sent them the statements twice showing they are still trying to deposit to a closed account. I have asked them to stop payment so I am able to deposit to another account. Im positive they have the money in holdings somewhere and they cant find it. My printout seems to prove this. I just want the funds as it was a payment for services I already completed. Any help would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and this report is for TransUnion. There's absolutely no way to contact them, if you aren't paying for a {$30.00} a month membership. Every other bureau offers free tiers, & paid tiers. I'm not paying {$30.00} a month, just so I can ask you to remove this fraud alert/block on my credit report. I also should get a free report from them, without having to pay for anything every year. That as well have not been updating my report, or removing accounts that are beyond 7 years. I can't dispute much else, as I still haven't received my report & can't depend on what the other bureaus report back as they seem to never match. XXXX is the only one, who after my initial complaints & reports to actually do their job & due diligence ; updating my report to reflect the truth. I can log into my account on XXXX, and see my score is XXXX and every thing I see reported is absolutely correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY PERSONAL INFORMATION AND OPENED A SECURED CREDIT CARD WITH XXXX XXXX, I HAVE NEVER SEEN THE CARD, I HAVE NEVER AUTHORIZED THAT SECURED ACCOUNT TO BE OPENED. I COME FROM A COUNTRY WHERE EVERYTHING IS CASH HANDLED AND I DONT BELIEVE OR TRUST THE CREDIT CARD CONCEPT. IF YOU LOOKAT MY CREDIT REPORT YOU WILL SEE THAT I DONT HAVE NAY CREDIT CARDS, NO AUTO LOANS, NO STORE CREDIT CARDS. THE XXXX XXXX SECURED CREDIT CARD IS FRAUDULENT, ITS NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has marked that I was over 30 days delinquent on payment for both XXXX and XXXX of 2020. This is not the case and both months were paid on time, or early. This has caused a precipitous credit score drop. After getting in touch with them, they corrected this problem, and my credit score reflected that. However, the next month the late payment for XXXX showed up again. Ive reached out to them multiple times, filed disputes, and the delinquency still shows on my credit report. They said that they have fixed the issue and it should be updated, but its not. They continually say theyre not sure why its reported late, or that theyve fixed the issue, or they will send it to their supervisor, but nothing changes.
Product: Credit card or prepaid card

I have 2 credit card accounts with Bank of America that originally required separate logins to access the accounts online. Sometime back they changed this to allow for a single login for both accounts.

While this may seem to be better for the customer, there is a significant problem with the web site setup that causes the customer to sometimes pay the wrong account and result in the customer paying additional late fees. When I open the website card # 1 is at the top and card # 2 at the bottom, however when I click on the bill pay button the order is reversed. As a result of reversing the order the customer may mistakenly pay the wrong card unless they carefully inspect the account numbers ( which is in small print ).

I talked to a Bank of America agent who said SHE HAD MADE THE SAME MISTAKE and understood why it was confusing but nothing she could do about it. I find this reversing of the account order to be very deceptive and believe it is setup this way to trick the customer into paying the wrong bill for the purpose of collecting additional fees.
Product: Debt collection

Apparently someone had medical services provided XXXX XXXX  through Texas XXXX in XXXX TX. 
I personally called them to see who used my name or personal information. They couldn't find any information on me. 
I checked there reviews and Apparently they been doing this scam to alot of people. 
I need help stopping this company hurting my credit. 
The third party company United Revenue doesn't have any information on me either. So I don't understand why I'm getting charged for medical services
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2020, CBNA add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

When I reviewed again my credit report, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Attached is another threat. I've not missed one payment. This Bureau has the duty and responsibility to stop this type of fraud and it needs to cease and desist. 

They are acting fraudulent and ignore all requests to stop this illegal activity
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : DP OF EDUC XXXX Balance Owed : {$4300.00} US DEPT ED XXXX Balance Owed : {$9100.00}
Product: Bank account or service

Bank of America allowed XXXX withdraws from a XXXX credit card account from my checking account. {$12000.00} taken between XXXX XXXX and XXXX XXXX XXXX all of the payments where sent through a XXXX credit card EPAY system and all were +/- {$2000.00} amounts. 
This is a clear violation of several laws Title III : International Money Laundering Abatement and Financial Anti-Terrorism Act of 2001 - Bank Secrecy Act - PART 353 -- SUSPICIOUS ACTIVITY REPORTS 12 U.S.C. 1818, 1819 ; 31 U.S.C. 5318.
Product: Credit reporting or other personal consumer reports

I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards XXXX, XXXX, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution. 
ACCOUNT 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 or other personal consumer reports

Equifax has no record of your credit history And I last had a score generated in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was hacked and now I need to be hyper vigilant about my credit. I did n't need this added stress in my life.
Product: Student loan

My loan balance, has increased considerably over the last year, I was told would have a smaller monthly payment, that has not ever happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX Credit Card. High Balance was near credit limit of {$21000.00}. Trying to improve my XXXX XXXX to buy a home - I paid {$10000.00} off of the balance in XX/XX/XXXX. XXXX XXXX told me at the time it takes 30 days for them to report new balance of {$12000.00} to credit bureaus. It is now XX/XX/XXXX and my credit reports still reflect a {$21000.00} balance. I called XXXX XXXX in XX/XX/XXXX to inquire. They said they would send a letter reflecting accurate balance to credit bureaus. They have not. The false high balance is hurting my ability to obtain a mortgage at a competitive interest rate.