23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I signed up for a XX/XX/XXXX account on XX/XX/XXXX because I needed to have a meeting on XX/XX/XXXX. I had every intention of deleting the account after the meeting and after I had grabbed the recording. You could only sign up for a month long contract, but you could cancel it. The problem was I could never sign into the XXXXXX/XX/XXXX account. Though XXXX took my credit card information and allowed me to make an account, I could never log into the account because they had some error on it. You can only cancel the account if you can log into it and I can not log into the account. 

After searching for 45 minutes, I finally found a person to chat with on XXXX about this and they said they couldn't fix the account because it had imprinted wrong. XXXX suggested that I try logging in the next day to make a new account or to delete the account. I could not log in the next day. I never have been able to use the product and XXXX said they can't fix the product. I made a new account I couldn't use either. I wound up having to use my husband 's work XX/XX/XXXX after he got permission. 

But XXXX just keeps charging me every month. I have had to file disputes with my credit card XXXX since XXXX about this. Finally on XX/XX/XXXX, I requested a new credit card as there was a fraud on my account that I could not resolve and it is so silly to have to keep logging in to explain this on a monthly basis to XXXX. It's not like you can call up XXXX! But my credit card company that I bill thousands of dollars to each month and pay and for which I have been a customer for probably 2 decades should help me on this {$4.00} a month charge. I then got a new card after I selected the option of a fraud on my account. For a while I didn't have the charges, which was great, but then XXXX gave the XXXX the new secured credit card information. 

I called on XX/XX/XXXX to ask that they stop allowing XXXX to charge this new account. This call took about 25 minutes. XXXX said she could only file a dispute, so she would put her supervisor XXXX on the phone. XXXX then said they're only a service provider. XXXX said they would do a 3-way call with XXXX and me since I can't reach them. She then put me on hold and hung up on me. She did not call me back. XXXX also said they would dispute the most recent monthly charges. I just logged into my account and see they did not dispute the charges. I disputed XXXX 's but I can not dispute XXXX 's because it says I have to call them. 

This is so frustrating. I should not have to change credit cards and lose my low annual fee because as a customer for 20 years they can't stop XXXX from fraudulently charging me for an account I can not access and can not cancel. This is so wrong. They gave XXXX my new credit card number after I notified them about this fraud in XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. Then in XXXX they failed to dispute and refund me for a charge they said they were going to refund me. I can not dispute the new XXXX charge I see online without calling them. They are refusing to help me and they are giving my credit card information to a company that is attempting to defraud me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX put a fraud alert on my file without my permission. Then they sent the alert to other credit bureaus. 

I tried to get them to take it off but they didn't have a contact number other than the one I used to what they claimed to call to take a freeze off or fraud. 

When you call the number you don't get a person only a machine asking you questions to verify or the machine hangs up on you. 

I answered the questions waiting to make a freeze selection that never happened and once it collects your information it tells you it just completed a fraud alert and that it would share that information with all the other credit bureaus. 
I called Equifax to find out if there was a freeze alert or fraud alert and could not get a straight answer from them. 

I called XXXX and they have my file in some special handling department that I didn't authorize and when I found out about it in XX/XX/XXXX or XX/XX/XXXX When they could not tell me why. 

I told them to take my file out of that department after speaking to several managers and supervisors. They assured me my file was removed but I've contacted them several times and each time since XX/XX/XXXX to now my file is still in that specisl department.
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 XX/XX/2020, JPMCB CARD 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, credit repair services, or other personal consumer reports

I Have Been Sending Letters to Transunion for the Past 10 months to Remove an Account that isn't mine the Account is XXXX XXXX XXXX XXXX' I have never did any business or have had an account with them Transunion will not investigate and provide and documents from this company they have held me up from getting financing for a home for my family
Product: Debt collection

In 2019, I lived in XXXX XXXX in XXXX, Texas. My job was going way, so I asked management for an early termination of my lease. It was GRANTED. 

After I left, XXXX XXXX claimed I owed them for abandoning the lease. They sent it to collection. I explained the situation to collection. Nevertheless, the issue was reported to Experian. I contested the issue with Experian. They chose to be the judge and jury, and they ruled on the case. They decided I was guilty. They left the item on my credit file, and even removed the " hotly contested '' qualification from it. 

This has caused me to be disqualified from eligibility for some apartment complexes. 

This issue has never been decided in a court of law. How can Experian decide that I am at fault in this case? That is simply WRONG. because these people are PAYING Experian, and I am not, it seems Experian will lean in their favor. 

I would appreciate it if you can get Experian to REMOVE that collection item. It is INVALID. 

Thank you!
Product: Credit reporting or other personal consumer reports

I filled out a report with identity theft. XXXX  contacted XXXX about this matter numerous amount of times put fraud alert on my consumer report sent supporting documents but they refuse to actually investigate the matter accounts coming back verified and updated in 3 days were is a 30 day investigation should be done at this point I feel violated and my rights a being infringed upon i want all the disputed items removed from my credit file this has a financial burden on my livelihood and a mental desperation to actually be treated like this in the united state
Product: Payday loan, title loan, personal loan, or advance loan

I recently pulled a copy of my credit report and noticed that my account was charged off in XXXX XXXX  but I never received a 1099c. I am requesting a 1099c be sent to me. Thank you.
Product: Student loan

I applied for the SAVE program on XX/XX/XXXX. 
On XX/XX/XXXX, I was told that I needed to provide proof of income even though I had already granted permission to use my tax returns. On XX/XX/XXXX, I was given notice that my payments would not change, even though my income qualifies me for a {$0.00} payment. Please note that my wife, using the same financial info, was accepted into the SAVE repayment plan before the end of XXXX. 
It is now XX/XX/XXXX, and my application is still pending. I have spoken to multiple customer service representatives. They each give me different timelines for approval ( 1 to 2 weeks, 60 business days... each representative gives different answers ). 
I am actively trying to provide documentation to a mortgage company to obtain a mortgage. This wait time and lack of answers could put my mortgage qualification in jeopardy. 
Additionally, I have requested documentation on one of my two loans several times. Each time I'm promised to receive the document in " a few hours ''. Days go by without the document being emailed to me. 
This loan servicer is causing great financial harm to me and my family.
Product: Mortgage

I was approved for the Homeowners Assistance Fund on XX/XX/2022. I was approved for all my past due and forward payments for 18 months. The mortgage company has had the funds from HAF since last month. They have the past due funds of {$25000.00} and at least one month of forward payments of {$1300.00} but have not credited my account yet. I just looked online and now it says I was referred to foreclosure. Why would I go into foreclosure when they have the money I was awarded. I'm scared. Please Help!
Product: Checking or savings account

I deposited a check from my XXXX XXXX Account into my son 's Wells ' Fargo Account on XX/XX/XXXX.. ( I also have several Wells Fargo accounts and have been their customer for over 20 years-my son 's account and my Wells Fargo accounts are linked in Wells Fargo ). Wells Fargo put a 10 day hold on the deposit saying XXXX XXXX indicated they may not honor the check. 
I contacted XXXX XXXX and they said no such thing, in fact they released the funds to Wells Fargo the same day i made the deposit and they never indicated they were not honoring the check. Wells Fargo lied and i called them back on it and requested they put the money in my sons account immediately, since they had the funds. They would not do it. The funds did not show up until XX/XX/XXXX and now when i go into the my son 's account that deposit is dated XX/XX/XXXX, like they never put a hold on it. 
They held onto the {$3000.00} and used for their own purposes for 10 days. They had the money and they lied about why the hold was on the deposit. And now they are adding to it by back dating the deposit.
Product: Mortgage

My loan was sold to Shellpoint Mortgage Servicing, XXXX, SC, My payment is due on the XXXX of the month, but not late until the XXXX of the month. By the XXXX of the month, I am getting phone calls on my job, home & cell phone from XXXX to XXXX everyday, from XXXX to XXXX times a day. I 'm not even 30 days behind, and if i 'm late, I simple pay the late fee when i 'm late with no problem, but I still get the calls all day long and I ca n't block their number. I could see if I was XXXX to 180 days behind to get the calls, but I 'm just late, and I still get these calls every month for the past year. I have contacted them several times, to stop robot calling me everyday. This is harassment!
Product: Mortgage

I received a loan modification from OCWEN and have made all the payments before the due date but they have assessed a late charge for every payment and have ignored my requests to have them removed even after I provided bank records. I assume they have reported the late payments to the credit bureaus.
Product: Debt collection

I recently saw this account added to all three of my credit reports, but have no knowledge and have received no notification of the debt. On my XXXX   credit report it is listed twice as a collection and once as an active account in good standing. I don't understand this as I have no contract with this company. I have not received any written notification and have not been provided an opportunity to request verification and/or validation of this debt. I have no contractual agreement with XXXX XXXX  at all. They are in violation of the Fair Debt Collection Act. I have now made disputes through XXXX, XXXX, and XXXX. They must validate, verify, prove all debt with 100 % accuracy and they have not. They are violating the Fair Credit Reporting Act. XXXX XXXX must provide proof of any debt that I allegedly owe with copies of any contractual agreements bearing my signature. 2 weeks ago I called them asking to see this " collection '' and have yet to receive any information. They indicate I owe {$970.00}, but when I talked to an employee there he said they can lower it to ... so right there, they are reporting wrong. I was never given notice of this collection. I never signed anything with them and I also was not given the 30 day period to respond before the collection was added to my credit reports. It just showed up about 3 weeks ago within a few days of each other, and shows it has been reporting sinceXX/XX/XXXX, which is incorrect as this same debt was being reported by another agency and this was removed from ALL of my credit reports just last month, which means they are stating they were engaged in duplicate reporting. This needs to be removed IMMEDIATELY or as others said, I have no choice, but to sue them and bring them to court. XXXX is in full violation of the law and this needs to be taken today. I am also advising concerns that they do not have my proper info. They were not able to verify my correct address or refused to and wanted me to do so and I have not received any information from them regarding any recent activity from phone calls and or their supposed debt purchase and entry of information onto my credit reports for all 3 reporting agencies.
Product: Credit reporting or other personal consumer reports

I am filing this complaint with the CFPB against TransUnion for violating my rights under the Fair Credit Reporting Act ( FCRA ). TransUnion is reporting inaccurate information on my credit file without my authorization, which has severely impacted my financial stability. I recently obtained a copy of my credit report and discovered an unauthorized and inaccurate account that must be immediately deleted : XXXX XXXX  ( Account Number : XXXX ). TransUnion has violated 15 U.S.C. 1681b ( 2 ) Permissible Purposes of Consumer Reports, which explicitly states that a consumer report can only be furnished in accordance with the written instructions of the consumer to whom it relates. I never provided TransUnion with written authorization or consent to report this account. Additionally, TransUnion has failed to uphold 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy, which requires consumer reporting agencies to ensure the highest level of accuracy. The information reported about this account is inconsistent with other credit bureaus, raising concerns about its validity. Beyond violating federal law, TransUnions actions have caused severe emotional and financial harm. Due to this inaccurate reporting, I have been unable to secure a mortgage, leaving my family in an unstable housing situation. This situation is devastating, and I am seeking immediate intervention from the CFPB to hold TransUnion accountable. Furthermore, TransUnions reckless reporting has resulted in alleged identity theft and defamation of character, causing unnecessary hardship. Their failure to comply with federal regulations demonstrates willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o, making them liable for damages of up to {$1000.00} per violation. I am demanding that TransUnion immediately delete this inaccurate account from my credit report. I also request that TransUnion send me a written confirmation within 14 days stating that the account has been deleted and provide me with an updated copy of my credit report. I urge the CFPB to step in and ensure that TransUnion is held responsible for these violations. No consumer should have to suffer due to TransUnions negligence. I appreciate your assistance in resolving this matter and ensuring my consumer rights are protected.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on FSTPROGRESS ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

Apparently, XXXX XXXX XXXX XXXX  charged off debt on my credit report. I have reached out to rectify the issue, I sent a letter opting out of all consent. I would like this income removed immediately.
Product: Credit reporting or other personal consumer reports

Please make sure to include the dates on XX/XX/2023 that all letters were sent. 

Regarding erroneous information reported on my credit report, I filed disputes with TransUnion, XXXX, and XXXX. I informed the accounts of the infractions they were committing against my consumer report. They still haven't responded after more than 60 days. I've included copies of every letter you sent below. 

By neglecting to designate this disputed account as disputed, this company has broken FCRA 623 ( a ) b ). 

The date of the last activity on this account is reporting, so if the period has also been broken, 605 ( c ) is running. When the last date a payment was made should be reflected.
Product: Debt collection

Immediately after my XXXX XXXX bankruptcy was dismissed in XXXX 2016, I began receiving phone calls from ECMC about a debt. I had no knowledge of the type of debt until I googled the company and read the reviews. Later that day, I was contacted by a rep from ECMC who proceeded to explain the nature of the debt. We went over some basic information and I realized it was for my student loan which the company says I am in default because of the bankruptcy dismissal. On XXXX XXXX, I gave the rep my communication preferences which included my home number and the immediate removal of the temporary work number that I did not give them ... or give them permission in which to call me. Today alone, I have received 3-5 robo calls from them as transfers to my employer. The calls began in late XXXX and have been continuous since. The live person I spoke with today, threatened me with wage garnishment on my employer line, and said she received no communication to remove the employer number so they have continued to robo call the number.
Product: Credit reporting or other personal consumer reports

Equifax In XXXX of 2017, Equifaxannounced a data breach that exposed the personal information of XXXX XXXX people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX Balance Owed : {$720.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$17000.00XXXX XXXX XXXXXXXX Balance Owed : {$5400.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$830.00} XXXX XXXX  XXXX Balance Owed : {$44.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$350.00} 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 XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Comenity Bank has called my parents home multiple even though I do not reside In their home and have not for years multiple times during the day harassing my parents for my contact information, even though they already have it. They attempted last to call and obtain this information on XX/XX/2020 at about XXXX today.
Product: Payday loan, title loan, or personal loan

Coming to my home harassing pregnant wife
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXXXX/XX/2023 XXXX XXXX  XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account NumberXXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identify theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.