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

I am a victim of Identity Theft and I am hoping the fcra and the consumer protection bureau can assist me in getting my financial life back together. The Credit Bureaus are not doing the right thing here. All the accounts listed below are fraudulent and should be deleted immediately : Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX OF A Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account XXXX Account Name : XXXX  XXXX XXXX XXXX XXXX XXXX ) Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX [ Please remove THE ADDERESSES LISTED BELOW ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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: Checking or savings account

I had this bank account since XXXX and was excessively charged overdraft fees. This caused my account to stay negative and Navy federal eventually closed the account without warning.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX file for loans/credit cards and have a unwanted guest on my credit report acting as if me putting unwanted freezes and comments on my report I have access to experin someone has my information I need to remove comments and access to my credit report
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX  is reporting my account is charged off and has been doing so since last year XXXX and all the way through XXXX and they are continuously doing it. I never received a 1099C from last year or previous year XXXX but its still being reported monthly as a charge off with the balance increasing every month. I have disputed it multiple times with XXXX, but it is continuously sent back as invalid, even though it is being reported incorrectly.
Product: Debt collection

I was not aware I could dispute the National Credit Systems collection from a debt that has zero validity. 

I began paying the collection little by little because I did not want a derogatory mark on my credit, however I stopped because I began questioning why I was paying it. 

I can not remember exact amounts, but they said I owed around {$1200.00} to XXXX XXXX which is my previous apartment. ( Current amount {$1000.00} " owed '' ) My last month 's rent should have been covered because I paid my first and last month rent in the beginning of my contract in XXXX. We moved out in XXXX during COVID.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill obligations under FCRA to conduct a reasonable reinvestigation or Dispute information of my credit report, leaving inaccurate, or unverifiable accounts unresolved. The CFBP has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These experiences align with my outcomes, where Experian has neither corrected or removed the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fruadlent Accounts on Credit Report XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX. has violated my rights. 
15 U.S.C 1681 section 602 A. States I have rights 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

In accordance with the fair credit reporting act, ACIMA DIGITAL FKA SIMP acc # XXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reflected a XXXX XXXX XXXX account XXXX as being removed in XX/XX/2022. When I called to ask and dispute its presence on my report after 7 years they refused to accept my dispute and no longer reflect the removal date of XX/XX/2022. I am unable to initiate any new disputes on this as they will not allow me too. The account is beyond the 7 year reporting period allowed by FCRA.
Product: Credit card or prepaid card

I made a purchase at XXXX XXXX XXXX online on XX/XX/XXXX for {$950.00} and another on XX/XX/XXXX for {$760.00}. I was billed for {$950.00} and attempted to pay this through the telephone automated system on XX/XX/XXXX. The automated call said " thank you for your payment '' and I assumed all was well until I received a letter in the mail that the payment did not go through. I followed up the letter with a phone call to XXXX XXXX on XX/XX/XXXX and spoke to a human who took my debit card information and assured me that I now had a zero balance for all purchases made to date including finance and late charges. On XX/XX/XXXX I received a phone call from XXXX XXXX The gentleman told me XXXX XXXX XXXX actually owes me money because I have a credit for {$2600.00} and I know I did not purchase that amount of merchandise. He said I had to contact Customer Care during regular business hours. I called XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX to straighten this out. The XXXX women I spoke to did not have any record of a {$2600.00} credit but they said I now owe {$800.00} for the XX/XX/XXXX purchase plus late fees and finance charges on that bill which I never received AND I was told on XX/XX/XXXX that I was at a XXXX balance for all purchases made to date. I asked if I paid this bill will I have a XXXX balance and she said yes. Again, incorrect as she did not mention a {$2.00} purchase I made last week. More late fees and finance charges would have been added to that. It seems to be their policy to ensure there is always a lingering charge the consumer is not made aware of so they can continue to add finance charges and late fees.
Product: Checking or savings account

On XX/XX/XXXX, I received two deposits almost simultaneously. When I went to show a family member the money I had to worj for XXXX, we saw it reduce by {$1200.00}, right before our eyes! I contacted Cash App to ask why they took my money and to ask why werent all my deposits showing for XXXX? I received several stock responses. No one reached back out to me, but they did make adjustments in the deposits for XX/XX/year>. Cash App has been stealing g money from me for a long period of time! I just couldnt prove it until now! 
Please help me to get all of money back from them.
Product: Student loan

One of my loans was transferred to XXXX XXXX in XX/XX/2018. I don't know which loan because I never received any correspondence. I just received an email today stating that my loan is past due even though I paid all my bills on time. I tried reaching the XXXX number listed in the email but no one picked up after 20+ minutes of holding. The email said XXXX has a Live Chat option on their website from XXXX - XXXX ET, but it's XXXX and no Live Chat attendants are online. I would like to know if anyone actually works at this place because they seem sketchy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is a summary of my interactions with the company Upgrade over the past month. 
XXXX. UPGRADE INC : XX/XX/XXXX, email sent to Upgrade : " To Whom It May Concern : According to your records on XX/XX/XXXX, someone opened up several unauthorized accounts with upgrade while using my name, address, and personal information. I filed a claim with your claims department on XX/XX/XXXX. The address that these Upgrade visa cards are being sent to is my old address and were forwarded to my current address. Today ( XX/XX/XXXX ), I received a second card with a different credit card number than the first one that was sent this past week. I would like to also file a claim against the second card that was sent to me on XX/XX/XXXX. 
Please stop sending pre-approved Upgrade visa cards in my name. Finally, I would like for all accounts and the address on file to be flagged as 'FRAUD ' and 'IDENTITY THEFT '. Also, I filed a police report concerning both incidents. If you have any questions or concerns, please contact me directly. '' XX/XX/XXXX, phone conversation with Upgrade : I called upgrade Inc on the above date with a request to close the accounts and tag them as fraudulent. Upgrade Inc XXXX Department stated don't worry the account would be shut down and tagged as fraud. 

XX/XX/XXXX, XXXX XXXX email received by XXXX Bank XXXX XXXX XXXX for Upgrade Inc stating the following : " Your credit report shows that you opened a new account as of XX/XX/XXXX with an initial balance of {$7500.00}. The lender, UPGRADE INC, is reporting this new account to the credit bureaus. 

XX/XX/XXXX, XXXX XXXX email received by XXXX Bank XXXX XXXX XXXX for Upgrade Inc stating the following : " Your credit report shows that you opened a new account as of XX/XX/XXXX with an initial balance of {$4000.00}. The lender, UPGRADE INC, is reporting this new account to the credit bureaus. 

XXXX. XXXX Here is a summary of my interactions with the XXXX XXXX over the past month. 

On XX/XX/XXXX, there was an inquiry of my credit by XXXX XXXX. However, such was not authorized by myself as I have never even been to a XXXX XXXX before. 

XXXX. XXXX XXXX Here is a summary of my interactions with the company XXXX XXXX through XXXX XXXX DC XXXX XXXX past month. 

On XX/XX/XXXX, I received an alert stating the following : " It looks like there's a new balance of {$300.00} on your Bank Card that you haven't use for XXXX  months or more. Please let us know right away if this wasn't you. ''
Product: Vehicle loan or lease

My car loan with American Honda Financial isnt showing up on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX. 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637  ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card

I received and offer to spend {$1000.00} and get XXXX power points, that's is {$100.00} reward. Called and was given different reasons why has not been posted one reason was, American Express needed to credit the account. Called last time and was told I got XXXX miles but needed to be used within the year and lost it. I have made a purchase of a XXXX computer for {$1200.00}, that would entitle me to get the {$100.00}. Other cards I also have offered comparable reward including, America Express XXXX XXXX and XXXX XXXX XXXX  XXXX. I wrote a letter on XX/XX/ and was ignored. Wrote my last letter to Bloomingdales on XX/XX/XXXX  and the same thing ; silence and ignored again. My last letter I wrote in answer to " another offer '' of {$75.00} for spending {$2000.00}. This is a marketing gimmick and prompted me to write back and ask again for what it was promised to me and not delivered.
Product: Credit reporting

I HAVE NEVER, EVER HAD AN ACCOUNT WITH XXXX XXXX XXXX BANK. I HAVE NEVER HEARD OF THEM BEFORE. I NEVER OPENED AN ACCOUNT WITH THEM. I HAVE NO CLUE HOW THIS ACCOUNT SHOWED UP IN COLLECTIONS ON MY CREDIT REPORT WITH BOTH EQUIFAX AND XXXX XXXX. 
THANK YOU.
Product: Mortgage

I started this process back in XXXX when the pandemic affected my financial life. I was placed into a forbearance from XXXX through XXXX. Once I was back on my feet with income the lender received a loss mitigation package for a modification review. I was told in XX/XX/XXXX that my file had been moved to the underwriting dept for the final review. A weekly update has been made on my file and escalations after the initial 30 day review turned to 45 and then 60 days. Due to the lender not updating my file, I decided to on XX/XX/XXXX just to resubmit. Documents were requested and received by the lender within 48 hours per request. on XX/XX/XXXX the file was deemed complete we were told by representative XXXX XXXX that the file was pending approval and the documents for the trial agreement were in the process of being drawn up. XX/XX/XXXX additional documents were being requested. The weekly updates on XXXX with XXXX # XXXX, XX/XX/XXXX with XXXX # XXXX, XX/XX/XXXX with XXXX XXXX XXXX XXXX requested information on the timeline for the decision ( no call back ), XXXX with XXXX XXXX # XXXX XX/XX/XXXX with XXXX # XXXX, XX/XX/XXXX with XXXX #, XXXX with XXXX # XXXX, XX/XX/XXXX with XXXX # XXXX, XX/XX/XXXX with XXXX XXXX # XXXX called back XXXX XXXX XXXX # XXXX requested supervisor for a call back XXXX XXXX Supervisor ( no call back ), XXXX with XXXX # XX/XX/XXXX who tried to get a team lead to speak with me and was not able to find one requested team member team lead XX/XX/XXXX There has been no response other than one letter dated on XX/XX/XXXX indicating that an investigation still had yet to be completed on the file, yet it appears not one rep, team lead, or supervisor can state what the investigation is? It feels like a sabotage. Not one rep, team lead or supervisor seems to be able to help. I need to know what the next step is so that I do not lose my house.
Product: Debt collection

A company named Navient a student loan lending company has contacted me numerous times regarding a old XXXX student loan that has been paid in full. Navient has no information regarding the loan, what school the loan was from the correct amount and many other discrepancies. I 've never received a student loan from Navient, I 've requested them to send any paperwork they might have regarding this loan they refuse and when called it seems more like they are fishing for information about the loan they do not have. They have contacted me by phone, text messages and emails. I filed a fraud complaint with XXXX and Navient refused to respond to them. Navient seems to be a company that finds old, outdated and paid in full student loans from other companies then try to collect on them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX went online to dispute the incorrect personal information and it says This request can not be processed online
Product: Checking or savings account

On XX/XX/2023, I went over the money that I had in my Marcus account, which is owned by Goldman Sachs. I had bought a few CD 's through them before, and thought I would check the rates. My savings there is currently getting 3.9 %. I saw the CD rates, and that all of them had rates on the main screen of over 4 %. See my attachment, and it is a screen shot from today ( XX/XX/2023 - all screen shots are from today ) on the first page. 

After looking into the different types, I decided to do the no-penalty CD, and the rate at 4.15 % seemed appealing, especially with the fact that I could cancel it. Yes, it does say after 7 days, but I figured I would have no reason to cancel it unless in the event rates go up, which would be more than 7 days most likely. 

Well, I went through the steps, and funded it by transferring {$20000.00} from my savings at Marcus to the CD. Then I happened to check it online today. Lo and behold, I was bait and switched!!!

It showed I was only getting 0.45 %!!!! Quite a difference, I assumed it was an error, that there was a misplaced decimal point. No, it was correct they said. I then saw that when a person clicks on that first page showing the term of 13 months wit 4.15 %, and then you click Open Account, naturally I assumed that was what I was getting. I figured the one thing I would need to do is put the dollar amount in, which I did. 

HOWEVER, what the sneaky, unethical firm did ( and I have used them for quite some time and had been pleased prior ), is that when the Open Account button is selected, even though the 13 month term and 4.15 % is shown, it then changes the term to 7 month, and to be a ridiculously low rate of 0.45 %. See second page, second screenshot.

Now, had it been a bit lower, even a decent amount lower, I would not be so bent out of shape. For it to be so drastically lower, and lower than any reputable online firm is offering, I feel there is no doubt that this was done purposely and with intent to bait and switch people.

Ok, so bad enough. I figured since I can tell them that I felt misled, and the fact that the money came from Marcus and not transferred form outside, I should have no problem in getting the no-penalty CD cancelled if I at least reached out and told them the issue. See third screenshot, third page. 
First I went through the chat, and was told no. Then the phone, and I escalated to a manager, and told no. Now granted it does say it can't be cancelled within 7 days, but I also feel this is done to get people to simply give up or forget about it, or for them to at least squeeze a week of their lowest rates on their system, even lower than the basic savings rate.

At the least this is poor customer service. And looking at the rate for the high yield CD for 6 months is 4.25 % versus 7 months for the bait and switch CD it defaults from XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my written requests for you to notify about some errors on my account. The unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. The following accounts are needs to be corrected immediately ; XXXX  XXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$13000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX XXXX ) is reporting on my credit as a mortgage. 
I have obtained information from FHA that a time share is an INSTALLMENT loan and NOT A MORTGAGE. Due to the fact they are calling it a Morgage, it is affecting my eligibility to refinance my home. I reached out to my time share and asked if they would change my credit report to list it as an installment loan and they said NO, so I contacted Experian and filed a dispute and they came back and told me the information was correct and they would not change it. My lender has told me a time share is not a mortgage and I have written documentation from the XXXX XXXX XXXX that says a XXXX XXXX is not a mortgage. I want this changed on my credit report so that I may refinance my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use XXXX XXXX to track my score. I've been working hard to improve my score and pleased to see that XXXX  has my score updated after 30 days. My score with them is XXXX. 

However with Equifax, it's still sitting at XXXX and they are telling me that they have to wait for lenders to send them updates. I don't understand how TransUnion can get updates from lenders but not Equifax. They're saying it can take up to 90 days which is more than 3 months to get an update while XXXX  is quick on their feet. 

I can not sit around and wait from Equifax to catch up to XXXX simply because they have a different update policy. So the compliant it to get Equifax to improve their update policy and have the score updated on a more frequent basis.