23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This is a continuation of complaint ID XXXX. The same issue is happening again where I referred another new user to Bilt on XX/XX/year>XXXX  and did not get any points within 30 days. This is now the 4th user I've referred. It's clear BILT 's referral system is either broken and not being fixed, or their referral system works just fine but they are intentionally withholding owed points to users.
Product: Debt collection

Portfolio Recovery Associates, a debt collector, has called my place of employment and has improperly disclosed their attempts to collect debt to my coworkers. Evidence of their calls were listed in the office phones call logs.
Product: Consumer Loan

I authorized XXXX XXXX XXXX to make a inquiry on my credit file. The dealership auctioned my car loan out to several financial institutes without my approval. My credit report dropped XXXX points in less that 2 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of the inquiry issue with XXXX  they not responding to me customer service refuse to take care of it
Product: Mortgage

My mortgage company is refusing to remove my PMI insurance even though I meet the XXXX rule. I received a new Appraisal on my home and the new ratio is 77 % on the loan balance. The ratio is 79 % on the original loan amount. I have tried numerous times to get this removed and am getting the runaround. My last call they told me it had to be 75 % which I have never heard before and they can not show me where it states this. In my loan paperwork it states 80 %. No one is returning my calls and customer service claims they cant help me - the Escrow Dept only can, yet they do not have any direct way to get in touch with them. Someone is supposed to call me back and no one is - I 'm at a dead end.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened XX/XX/ 2017 Balance {$100.00}
Product: Checking or savings account

I opened this savings account back in XXXX as a way to save some extra money after opening a car dealership business. I started by writing checks from the business account and was depositing them into my M & T Bank savings account. Back in XXXX the checks were flagged as fraudulent, and I was asked to provide documentation proving I was the owner of the business. I did. After I did, back in XXXX they said everything should be fine. My last deposit, I believe, was maybe in XXXX because of this. Since then, I have gone to the branch to close the account to get the money in XXXX and at first was given a hard time because of the fraudulent issue in XXXX. It took months for them to say they'd give me a check for {$32000.00} but not the rest ( XXXX ) because of the fraudulent issue. I was told I would receive a call to get information as to how to get the XXXX. I never did. More months passed because I was not able to get into the branches due to my schedule. Finally, in XXXX, I was able to speak to someone at a XXXX in New York and they told me it was rectified and I would just need to wait weeks for them to send me a form to change my address on file. I never received a call or email, as they said I would. This was in XXXX, I believe. I kept calling to follow up at the branch in New York, and finally they told me the account was closed, but I hadn't received the funds, or the call to change my address. They said just keep waiting. I went back in to complain and they told me all they can see is that the account is closed and there are no funds. I called customer service and they told me to go to a branch to solve this. I thought there was nothing I could do. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to all 3 bureaus about this matter going on 6 months about fraudulent activity reporting on my personal report. I have noticed accounts from XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX  that are reporting incorrectly, as well as several inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted TransUnion about the following negative accounts ( list the accounts ) Its been over 45 days and TransUnionCOLLECTION ( Account number XXXX, Date opened XXXX XXXX, 2022, Balance {$2600.00}, Original creditor COLLECTION ). havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I reached out to the company several times via chat and email to move my last XXXX payments to another date due to a financial crisis, emergency. I was able to move the XXXX payment initially but it was moved to the same exact date XX/XX/2023 so I would be billed twice on the same date defeating the purpose of me moving the payment. The company told me over and over that there was basically nothing they could do, which to me is a denial of my own extension of credit to them. The original merchant already got paid in full up front, so there's no reason why the requests for me to move payments is a problem. The company XXXX is so unhelpful and cares nothing about it's consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed so many hard inquiries that I dont recognize nor did I authorize.The inquiries are as follows : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, Transunion and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries ewported was fraud. Said companies had 4 days according to Law to remove such items. FTC fraud reports was filed on behalf of consumer, and consumer is now requesting XXXX, Transunion and XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer. Transunion, XXXX and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet-ink signature. Consumer is not requestint a report from the e-oscar system, If Transunion, XXXX and XXXX does not have documentation to show that these where in FACT authorized then they must be removed asap. Said companies is liable under the SEC to follow certain rules as they pertain to the rights of consumer. XXXX commission file number. XXXX .XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX . I will also be filing form 211 treasury omb forms to audit consumers account. XXXX is securitizing consumers data yet refuse to provide consumer a copy of thier consumer file NOT CONSUMER REPORT
Product: Credit card or prepaid card

on XX/XX/XXXX i was informed via Email that a Sallie mae credit card account was past due and had several returned payments. I never authorized the opening of the account. i have sallie mae student loans and that all. This account was fraudulently opened and abused using my personal information. Im a victim of identity theft. my personal information is being sold online for fraud. this has been confirmand by dark web surveillance
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number:XXXX  My correct address is : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I applied for a Capital One Venture X credit card. I was denied, supposedly for too much credit. I called and asked what was the specific issue. The agent would not tell me. I had an ING Direct savings account back in the early 2000s. This is covered all over the internet as to be an issue that Cap1 does not like these customers. Hello, Cap1 bought ING Direct. I am also XXXX man with a husband, retired with substantial assets. There seems to be discrimination issues being practiced at Capital One Bank.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX  XXXX Balance : {$46000.00} XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX Balance : {$94000.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$94000.00}
Product: Credit card or prepaid card

I have had an account with Kohls for over 10 years. Went online to pay my bill only to discover after two days of trying that I could not link my card for payment ( something I have never had to do in the past ). When I called they could not find my account because I was one of the accounts selected for an upgrade to a Capital One Visa. They provided me with the Capital One # so I could pay my bill. I asked repeatedly how my information could be given to another company without my permission with no good response. When I called Capital One they stated that they had sent me a new card in the mail. At first I told them I did not receive it but realized I likely did and threw it away. As I have no known account with Capital One and receive a disgusting amount of credit offers daily. I did not give Kohls permission to give my personal information to Capital One, nor did I accept a new account with XXXX. yet I am being told that is who I now have to lay my bill to. I will be trying again to pay online and at the store as my due date is tomorrow XX/XX/17, since I feel like this payment to Capital One will be some kind of underhanded way to show I accepted the new account. The Kohls account represented my longest credit history account at this time and if it has been closed and reopened under Capital One then it is now useless in that regard and I will be paying it off and closing the account. I have had a previous dispute with Capital One that resulted in a judgement on my credit and I refuse to do business with them again- another reason I would have not even opened what I thought was a credit account offer.
Product: Vehicle loan or lease

To my understanding a contract is between 2 people and with truth and lending act this was fraud cause i put a down payment whitch its ilegal In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights in so many ways please fix this issue at hand 15 usc 1662b 15 usc1605 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency car furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat & 50 payment on a credit card account under on open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I noticed my credit report score drastically change and also was denied loans. 
One of those loans being a auto loan that got denied due to this XXXX mistake. I have no other plan to come up with the money to purchase this family vehicle. 
I noticed the false information XX/XX/2024. 
I applied for a Auto loan XXXX XX/XX/2024. 

I called the Original Creditor and They told me its a issue I have to take up with EXPERIAN themselves for reporting the false info. And they proceeded to send me my actual balance.
Product: Credit card or prepaid card

I was notified on XXXX XXXX XXXX  that a credit card issued by synchrony paypal card under my SSN and it was reported to on my credit that synchrony closed it. I reached out to XXXX Identity theft to assist me and provide me with guidance. 
On XXXX XXXX I spoke with someone at synchrony paypal from their fraud department along with XXXX XXXX a restoration specialist ( she is helping me from XXXX XXXX After a few questions from the fraud department at Synchrony she was going to open up an investigation and report this as fraud to the credit bureaus. I have not used or applied for credit for about 3-4 years. The credit card was opened up XX/XX/XXXX and was closed XXXX XXXX
Product: Credit reporting or other personal consumer reports

Multiple unauthorized inquires on credit report violating the Privacy Act of 1974 as well as 15 USC 1681 B. Proof Information was unauthorized to the dark web. 

XXXX : XXXX XXXX XXXX ( XXXX XX/XX/XXXX ), XXXX XXXX XXXXXXXX ( XXXX XX/XX/XXXX ), XXXX XXXX ( XXXX XX/XX/XXXX ), 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 XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XXXX XX/XX/XXXX ). 

XXXX : XXXX XXXX XXXX ( XXXX XX/XX/XXXX ), XXXX ( XXXX XX/XX/XXXX ), XXXX XXXX ( XXXX XX/XX/XXXX ), XXXX XXXX XXXX  ( XXXX XX/XX/XXXX ) TransUnion : XXXX XXXX ( XXXX XX/XX/XXXX ), XXXX XXXX ( XXXX XX/XX/XXXX ), XXXX ( XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 the Equifax data breach and as a result I'm also a victim of identity 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you. As well as letters were sent to Equifax XXXX XXXX and XXXX Demanding to comply with a method of verification used to verify any of this information that is on my report that is inaccurate with no reasonable or legit answer as of yet so clearly this is all apart of my data being exposed. Because of this blunder of this company I have been unable to purchase a home, I have been denied work and I have tremendously struggled financially trying to fix this problem that WAS NOT caused by me and I demand it be fixed immediately! 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that all credit reporting agencies block all of the accounts, collections and hard inquires identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this complaint be sent to me via email to the email provided and a new updated credit report be mailed to the address listed on file as current. Please block and delete the following XXXX, XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

Bank of america checking account was closed by their risk management. account number XXXX. I have XXXX XXXX account where I have XXXX plus fund. 


XXXX will not let mw withdrawal to another bank until Bank of america provides a letter with account number stating the account is now closed ( with account number ) I visited over XXXX branch and they said since account is closed we cant provide anything not even a letter. XXXX says your funds are gone now and without letter we cant give you your funds back. 

I am stuked in limbo Please call XXXX
Product: Credit reporting or other personal consumer reports

TransUnion is unable to process my requests to view and/or freeze my account and subsequently my credit within the reporting bureau. TransUnion disabled my account for non-activity while both XXXX and XXXX have kept my accounts open and accessible to online login. Account recovery using TransUnion forces users such as myself to contact their support hotline, which frequently disconnects and is ultimately, functionally inoperable, forcing users to call back multiple times before being served. 

After waiting in their virtual queue for 20 minutes, the initial support representative reached out to me over the phone and sent the same link which asked me to call in to resolve the issue, setting myself back in the queue I had already waited through. This action additionally disconnected myself from their text support agent. Henceforth this failure to resolve the issue in a timely manner has led to the complaint being filed against TransUnion.
Product: Debt collection

Consumer Dispute Letter to CFPB Regarding Collection Activity XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX Iowa XXXX Fair Debt Collection Practices Act ( FDCPA ) Violation by National Credit Systems , Inc Dear CFPB, This letter is to formally file a complaint against National Credit Systems , Inc for violating the Fair Debt Collection Practices Act ( FDCPA ). 

Account DetailsXXXX Nature of Complaint : I am writing to report that National Credit Systems , Inc has engaged in unfair and deceptive debt collection practices in violation of the FDCPA. Specifically, they have : Failed to Provide Validation Information : I have not received any written communication from National Credit Systems , Inc validating the debt in accordance with 12 CFR 1006.34 ( b ) ( 5 ).

Denied Opportunity to Dispute : I have not been given a chance to dispute the debt as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Furnished False Information : National Credit Systems , Inc placed a collection account on my credit report without providing the necessary disclosures mandated by law ( 12 CFR 1006.34 ( d ) & 15 USC 1681s-2 ( 7 ) ( A ) ).

These actions by National Credit Systems , Inc constitute a violation of my consumer rights and utilize false, misleading, misrepresentative, and deceptive means. 


I request that the CFPB investigate this matter and take appropriate action against National Credit System , Inc. This may include : * Ordering National Credit Systems , Inc to cease and desist from further collection activity until the debt is validated. 
* Instructing them to remove the negative information from my credit report if it was placed incorrectly. 
* Requiring them to provide accurate validation information if the debt is legitimate. 

I have attached copies of any relevant documentation I possess, such as communications from the collection agency ( if any ). I am also willing to provide any additional information that may be helpful in your investigation. 

Thank you for your time and attention to this matter. I look forward to your response and a resolution to this issue. 

Sincerely, XXXX XXXX XXXX XXXX **Enclosures ( List any documents you are attaching ) **
Product: Credit reporting

I have been working diligently to repair my own credit. My credit score was XXXX four weeks ago, now it 's XXXX, all of a sudden my score drops almost XXXX points for no reason at all. I have paid my credit cards in a timely fashion. I have brought my utilization to the right percentage, and my score is continually dropping every day for no reason at all. My husband and I share the shame credit cards, and his scores are constantly going down. All XXXX credit bureaus are reporting my score inaccurately. My utilization is XXXX % which is good. This is unethical, in what is going on with the XXXX credit bureaus. They inaccurately reporting my credit score and this is not fair. My score should n't have dropped almost XXXX points in four weeks if I 'm making sure my utilization is good, and payments are good and on time. If you could help me in any way that would be greatly appreciated. I 'm utilizing XXXX XXXX which I was told that Transunion owns this company, it 's a scheme to keep people looking like they have bad credit to make them suffer and not be able to get the help they need in society. They ought to be ashamed of themselves for being unethical with their approach. The scores on XXXX XXXX are updating daily and fluctuating up and down by a lot of points in which I do n't understand. This is unethical please see attached picture of this.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance in updating my personal information with Transunion, one of the three major credit reporting agencies. I have recently noticed discrepancies in my records and would like to ensure that my information is accurate and up-to-date.

Below is my correct personal information : Name : XXXX XXXX Birthday : XX/XX/year> Phone Number : ( XXXX ) XXXX Current Employer : XXXX XXXXXXXX XXXX  Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX I have already attempted to update this information directly with Transunion but have faced difficulties in doing so. Therefore, I am seeking your help in addressing this matter and ensuring the corrections are made promptly.
Product: Debt collection

I have sent this company several debt validation latters. They have yet to reply back to me with specific questions I requested TRANSWORLD SYSTEM to answer.
Please see the attachment debt validation letter they have yet to reply back to answering " ALL '' questions truthfully with signed affidavit.
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I have NO contract nor have I ever had a contract with TRANSWORLD SYSTEMS INC. of   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .  XXXX , PA  XXXX .
Product: Credit reporting or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my 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