23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, Reliant Capital Solutions, an authorized representative for the Ohio State Attorney General office has business of yours in its office. To make a payment or for assistance please call XXXX. For additional details visit https : //www.ohioattorneygeneral.gov/XXXX. To opt out text STOP This was text to me on XX/XX/2024. I never lived in Ohio or visited Ohio. I dont owe any debt. I will text to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX 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 credit score over 719transunion has me at a score around 590. 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 XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Debt collection

When I began getting K jewelers bills in the mail I called them to explain that I never opened an account and they told me I was still responsible. The staff over the phone was never helpful and now this account I never created is ruining my credit.
Product: Credit reporting or other personal consumer reports

Unapproved hard inquiries have been added to my credit report. Kindly remove them under 15 USC 1681c-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX  on XXXX XXXX discovered account balance on Paid account listed over 900 dollars. Tried to file dispute and was blocked from filing dispute on the account. 

I also tried with XXXX  via XXXX XXXX of which I am a member and they have added information to my account access as to who is my grandfather and asking for his first name. I have never given this information and once again feel my private non public information is compromised via a third party source. I am XXXX years old and know who my grandparents were. They had or have nothing to do with my financial life. 

I subsequently contacted XXXX  XXXX regarding this matter and they sent me a letter noting I owed nothing on this account RE : Case Number XXXX phone Number XXXX. Finally I am tired of having to disclose any personal private public or any familial information regarding my finances. I realize that you are not in a position to offer legal advice, however is this a matter I can take up with an attorney since these agencies are continued to abuse our good names with their refusal to correct.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my frustration and dissatisfaction regarding my inability to access my Equifax online account to retrieve and review my credit report. For the past two years, I have encountered persistent issues logging into your website, preventing me from accessing important financial information. Despite my efforts to seek assistance from your technical support team, I have not received any response via phone or email. This lack of communication has been both disappointing and frustrating. To further assist in resolving this matter, I have taken the initiative to send in copies of my ID and social security card multiple times ; however, I still find myself unable to access my account. I kindly request that you investigate this issue as soon as possible and provide me with a solution that allows me to regain access to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was amazed when I viewed my Equifax, XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time. I did recently move and not sure how this could happen. I have never had a late payment.
Product: Checking or savings account

Over the last year I have received multiple banks fees in error. I have no explanation for some, and others are the the result of Truist/Suntrust double charging my checking account for my monthly mortgage payment. I have been told that the bank will not reverse my fees because they have already " waived fees '' for me in the past. These " waived fees '' have been error corrections that I have spent hours trying to resolve, and when the bank finally admits that the error is their fault they promise that this will not happen again/the issue is solved. For the last 3 months since Suntrust/Truist have merged their banking platforms, I have had two withdraws from my account per month for the same mortgage payment. These withdrawals have led to overdrafts in my checking account for which the bank charges me. The bank has said they solved the issue twice now, but at the beginning of XXXX it happened for a 3rd straight month. I have now requested that all payments be stopped and the double payments be returned to my checking account so that my account is paid current, and not more. Upon returning this money to my account, I was charged ADDITIONAL FEES that were not discussed with me.

I have spent over 12 hours on the phone in the last two months trying to sort out these issues. I have been dropped from 3 calls after waiting over an hour to speak with a representative. Suntrust/Truist will not offer any alternatives other than calling the same phone number that has repeatedly dropped my calls after hours of wait time and given me false promises that my issues are resolved. I currently have had almost {$200.00} in fees that are all no fault of my own, and I can not get ahold of a representative that can remove these and close my account. The mortgage department and banking departments take no accountability for their actions or communications with one another, and instead just push blame to the other department for me to handle myself while charging my fees along the way.

I feel bad for all of the customers that have gone through similar issues. I feel even worse for the unknowing customers that Suntrust/Truist is practicing their predatory banking practices on to profit via fees from unassuming families that do not have hours in their week to dispute in hopes that their livelihood be rightfully returned. In this day and age, this bank needs to make ALL of the processes more accessible, including their fee dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding a medical collection for {$350.00} from a collection agency called XXXX XXXX XXXX with account number XXXX I believe this collection agency has violated the HIPAA law, and I am also aware that a new law has passed in 2023 stating that medical collections under {$500.00} can not be reported to credit reports anymore.

Despite the fact that my medical debt was under {$500.00}, I have been receiving harassing phone calls and letters from XXXX XXXX XXXX, demanding payment for the outstanding balance. Additionally, I have noticed that this collection agency has reported this debt to my credit report, which has negatively impacted my credit score.

As per the HIPAA law, medical information is considered private and confidential. However, XXXX XXXXXXXX XXXX has disclosed my medical debt to third parties without my consent. This is a clear violation of the HIPAA law and has caused me significant distress and inconvenience. 

Furthermore, the new law that has passed in 2023 clearly states that medical collections under {$500.00} can not be reported to credit reports anymore. Despite this, XXXX XXXX XXXXXXXX has reported my debt, which is unfair and unjustified. 

I kindly request that you investigate this matter and take appropriate action against XXXX XXXX XXXX. I also request that my credit report be updated accordingly to reflect the new law that prohibits the reporting of medical collections under {$500.00}
Product: Vehicle loan or lease

I had a car loan with Wells Fargo and they showed that my account still had a balance when I paid it off and then it showed that I missed my payments as well. The total amount was {$15000.00} and I had to contact the credit bureaus as well. I do not remember the exact date.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 im in the process of buying a house and this credit report is defamation to my character and livelihood for this credit report be inaccurate. i noticed unauthorized inquiries on my credit report that i would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 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 XXXXXXXX, TN child sup has incorrect information on my credit report that also is causing damage to my livelihood. I've been denied careers and business opportunity due to inaccurate credit reports.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX was the name of the original creditor. I paid the copay and insurance covered the remainder of the payment. There is no due balance yet a credit collection agency named XXXX XXXX XXXX is attempting to collect a total balance of {$590.00} as of XXXX 2017. XXXX XXXX has no records of a balance of {$590.00} passed due for me.I have contacted XXXX XXXX XXXX and the company only removed the collection from my XXXX report. I would like this removed from my XXXX and full credit report as well.
Product: Credit reporting

i have disputed this account XXXX time, and the answer for the credit bureau is the same this account do n't belong to me, there is not reason to be in my file. I told too many time with the credit bureau and the answer is there is nothing we can do. account # XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Ally Bank is holding a balance in my name for a vehicle that is paid for. They took my car from my home and told I had to send money to them to get my car back. Now I was informed by them, that they sold my car and want me to send them money as well.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

Yesterday I received an email from Synchrony Bank stating that the XXXX  MasterCard program was coming to an end and that next month, all XXXX MasterCards would be closed.

I did some research, and when this happened not that long ago with there Toys'R'Us card, they gave there card holders the option to change to a non branded Synchrony Bank Card . 

Today, I called and I spoke with one of there customer service reps XXXX, I asked if this was an option for my account, and his response was to just apply for a new one. I explained that closing out credit cards, hurts your credit score. I also explained opening new credit cards can hurt your credit score. He continued to read from a script. 

I understand that partnerships end, that being said, Synchrony has a history of offering alternative solutions. Why is it not being offered here?
Product: Credit card or prepaid card

I have been out of the United States for a long time and have come back to a disaster. My credit report shows a credit card with Capital One bank was opened in my name and thoroughly used when i was not even in the country. The bank swears it is my card but it is not the case. For one my name is XXXX XXXX not XXXX XXXX my checking account, driver license, and everything I have has XXXX XXXX while the fraudulent credit card has a different name. The addresses are also incorrect. I am not a US citizen and am a permanent resident. Please fix this problem as capital one is disinterested in assisting me as well as it is hurting my credit score.
Product: Credit reporting

I had an Equifax credit reporting product. " Equifax Credit Watch Gold. '' I did not want to re-up for the year because they are terrible, but they charged my credit card after the year expired without telling me that I would be charged. In addition, the cost went from XXXX to XXXX, they did not tell me the price would increase. 
I spoke with a person named XXXX in XXXX and he told me that he would only give me a partial refund of {$110.00}. they are charging me for a month because I did not cancel before they charged my credit card the {$120.00}. which is better than nothing, but still fraudulent. XXXX said that they sent me an email that he price was going to increase, but I promise you that they did not. 
Equifax is a terrible product. They never send me any reports on ANYTHING EVER. All Equifax did was take my money.
Product: Student loan

This student loan service offers no deferment or forbearance. I am in-school status and they were deferring it for awhile, but now they will not even consider this status. There offer no options, they only want payment. They are setting me up for default. 
XXXX College
Product: Prepaid card

I have a pre-paid XXXX debit card with {$25.00} from US Bank National Association. The card expired. The website published to check balances, XXXX, does not work. I called US Bank to request they issue a replacement card. US Bank refused, saying the card is too old and expired, so the funds are " lost ''. The card is unused, so I would like it replaced with another of the same value. I hope they replace it and that this is not a scam.
Product: Payday loan, title loan, personal loan, or advance loan

The loan was made at annual interest rates greater than what is permitted by state law and the lender did not have a license to lend when one is required, making the loan illegal, deceptive or unfair under various state and federal laws.My loan was for {$500.00} the total payout will be {$2300.00}.
Product: Vehicle loan or lease

In the process of refinancing my XXXX XXXX XXXX I made the payment due XXXX XXXX on the due date the loan refinance by XXXX XXXX was paid loan in full XXXX XXXX according to the amount they were given and the XXXX statement which shows the payoff amount. I am due a refund of that XXXX payment for XXXX. I have made several calls to Hyundai Motor Finance Customer service regarding the refund overpayment made of {$390.00}, I have Never received a phone call text email or letter from hyundai Motor finance nor any communication regarding my request all calls and mail were initated by me with no response a copy of my certified mail receipt via postal mail are included in my documents, I got no response to that certified letter I sent to their corporate office. My bank statement shows the payment taken from my account. Hyundai Motor sent an email acknowleging the monthly payment made XXXX XXXX for {$390.00} as well as the full payoff of {$19000.00} XXXX XXXX Below is the Call log of phone calls I made to Hyundai Motor Finance each time I was told they would look into it I never got a call email letter or any response. 

XXXX XXXX called XX/XX/XXXX called XX/XX/XXXX, XXXXcalled also sent certified letter to corporate office requesting refund XX/XX/XXXX called XX/XX/XXXX called XX/XX/XXXX, XXXX with Supervisor XXXX told me escalating my case to payment processing center XXXX XXXX called XX/XX/XXXX, XXXX with XXXX XXXX said excalating XXXX XXXX for refund to payment processing center XX/XX/XXXX, XXXXSpoke with XXXX customer service I asked for supervisor or manager transferred me to XXXX she told me my case was closed no refund was due my payment of {$390.00} was part of the payoff amount for my loan she gave me the case # XXXX. I am a XXXX yr old senior on a fixed income I feel humiliated ignored and abused disrespected as a customer I never missed a payment never late with my account with Hyundai Motor Finance would never do business with them again or advise anyone I know to do so, I know I am just one person they are a large corporation but they should not be allowed to treat people the way I have been treated. I just want what is owed to me. They just wanted me to sit down shut up and go away!!!
Product: Checking or savings account

I made a money order deposit at a SunTrust Bank at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. While making the deposit the ATM machine malfunctioned and went offline. I was unable to complete the deposit however the ATM kept the Money Order and only returned my card. I called a SunTrust rep that morning of XX/XX/XXXX informing them of the issue with the ATM. The rep told me I see the deposit of {$360.00} on my screen and you will get credit the following day at XXXX. I did not get the credit. I went to the bank branch and spoke with a rep there who told me I would have to wait a week until the ATM was opened and then I would get the credit for the deposit. The week of XX/XX/XXXX I received the credit of {$360.00} for the money order. On XX/XX/XXXX, nearly 6 weeks later SunTrust reversed the deposit resulting in {$180.00} dollars in check charges to my account. Total withdrawn was {$540.00}. I want my funds returned to my account immediately until this matter can be resolved by either the bank or the money order issuer tracing the money order. This will be difficult as I no longer have the receipt for the money order. I want to know why it took 6 weeks to say they could not find the deposit. This is a bank error and I should not have to suffer financially and be unable to meet my obligations for something they did.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX & XXXX, 2020 : I received an e-mail message purporting to be from my brother, saying that he needed {$5000.00} for a medical issue, Since he had had a XXXX XXXX  several years back, I didn't question the request. It turns out the request came from someone who had hacked into his computer. I had wired the money to the XXXX XXXX office of Wells Fargo. Shortly afterwards, having learned from my brother that the email was a scam, my local bank representative contacted Wells Fargo and discovered ( a ) that the money was deposited in a Wells Fargo account in XXXX, NY ( my brother lives in XXXX ), and ( b ) that the account was already closed. There are only two ways the false account was set up in my brother ' name : ( a ) an inside job ; or, ( b ) using the information stolen from his account.I have since learning about the scam contacted Wells Fargo ; I have received over the last five and a half months, letters from seven different " Escalated Complaints Specialists '' from different Wells Fargo locations throughout the country, each saying in a form letter : " We received your complaint and are committed to promptly addressing your concerns.... It is our goal to review your concerns and provide you with a response within ten business days from the date we received your request. '' Over all these months, I have NEVER received the promised follow-up, nor has any of these so-called Case Specialists ever asked me for information of did any research into this fraud. 

I have 36 pages of history describing the scam and the lack of a follow-up, even though I have sent certified letters/response required. The last letter I sent was to the CEO of Wells Fargo in XXXX XXXX. It was only after a month had lapsed that I received the receipt back UNSIGNED. 
An earlier certified letter was sent to XXXX XXXX yet was received -- according to the USPS -- in XXXX, NY. The signature on the return receipt was illegible, and there was no printed name below the signature. 

So, this is a very brief summery of the wire fraud of which I was a victim. I would be happy to provide you with the complete account in order for you to " follow the money/fraud. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching you about the bankruptcy appearing in my report, that does not belong to me. Someone with a similar name to mine filed bankruptcy in the US BKPT CT MA XXXX, a chapter XXXX Bankruptcy. I talked to Bankruptcy Court and they are not providing any important information like address, social security number, date of birth. they do not give out any credit bureau any information relating to any bankruptcy cases at all. They said XXXX XXXX provided it to them. I reached to XXXX XXXX and provided them with my complete information and they do not have any record of me on file. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I demand this bankruptcy removed from my file.
Product: Debt collection

I.C. SYSTEM, INC is attempting to collect a debt from XXXX XXXX for {$1100.00}. I lost my job and could not continue to pay as my family became XXXX. Ive just been awarded rapid rehousing and have saved up {$400.00} to settle the debt. I have not been able to reach the company in regards to settling. I am in need of financial assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reported negatively twice to Each credit reporting agency for the past 3 years causing a double Jeopardy and double the damage to My name as if is 2 seperate incidents causing my score to suffer double the points as it should. Yet both companys refuse to remove any negative reporting