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

I am writing to report an unfortunate and unsettling experience I had with TransUnion, a credit reporting agency. Despite making numerous attempts to correct my personal information and rectify inaccuracies on my credit report, I have faced significant difficulties that not only violate my rights as a consumer but have also left me deeply frustrated. 

I sent a dispute letter to TransUnion on XX/XX/2023, which was received by them, as certified, on XX/XX/2023. On XX/XX/XXXX, I contacted the agency and was informed that no action had been taken as the instructions in my letter were supposedly unclear. I reiterated my request to correct my personal information and remove inaccurate accounts including collections, charge-offs, and other erroneous information. The agent assured me that my personal information had been updated, the inaccurate accounts removed, and that I should see the update within seven days. 

However, I have encountered significant technical issues with the TransUnion website, effectively blocking me from accessing my account and thereby denying me the ability to verify the corrections. A representative did acknowledge the problem and promised resolution within 48 hours. This timeframe has since passed, and I still am unable to access my account. 

Furthermore, in my pursuit to obtain a copy of my report, I was transferred to a different agent. Despite a previous confirmation that there were no negative accounts on my report, this new agent informed me that my account was in dispute and, therefore, she was unable to provide me with a copy of my report. Yet, she stated that my credit report- which is still disputed and potentially inaccurate - would remain available to creditors. This is deeply concerning and, to my understanding, violates my rights under the Fair Credit Reporting Act. 

I sought further clarification by requesting a transfer to a supervisor, only to be abruptly hung up on by the agent, further exacerbating my dissatisfaction with the service I received. 

In light of these events, I kindly request the intervention of the Consumer Financial Protection Bureau to address these discrepancies, ensure my consumer rights are upheld, and help rectify this situation promptly. I believe that access to accurate personal credit information is crucial and any impediment in this regard needs to be addressed immediately.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/2020 I contacted XXXX, transunion, and XXXX  about fraudulent loans being furnished on my credit report. After sending a police report, FTC fraud report, XXXX  deleted the inaccurate information but XXXX  and transunion denied to fix the issue on several occasions after sending affidavits, police reports, fraud reports, court rulings, and phone calls. The XXXX  XXXX XXXX XXXX XXXX had lost a case for fraudulent loans. 

According to documents, all fraudulent loans were to be cancelled and cleared from reporting. That has not happened. 

This has caused adverse harm in seeking housing, and solid transportation.
Product: Credit card

I currently have a closed MERCURY XXXX account thru XXXX XXXX  XXXX XXXX that I am currently paying on. Before the account was closed the credit limit was {$2500.00}. On XX/XX/XXXX the company offered me a settlement amount of {$1100.00} where the rest of the balance that was owed would be canceled and I accepted this offer. Since that time and up until now, I've paid {$340.00} towards this settlement amount which would make the current balance owed {$810.00}. Unfortunately this company continues to falsely report an inaccurate balance of {$2300.00} instead on all three credit bureaus even after I've called them twice to correct this issue. 

I've also disputed this account on several occasions this year with XXXX, XXXX, and XXXX to correct inaccurate errors pertaining to the payment history for this account and each time some of the same errors still exist. The payment history for this account is still inaccurately reporting that for XX/XX/XXXX and XX/XX/XXXX that I was 60 days late. XX/XX/XXXX was paid on time under the payment agreement! Then XX/XX/XXXX inaccurately shows me as 90 days late yet I paid on time for that month. Then again XX/XX/XXXX is being reported as 60 days late. The payment history that is being reported across all three bureaus is inaccurate because it doesn't follow the 30, 60, 90, 120 day sequence. 

I am demanding that the balance for this account to be updated to {$810.00} and that the payment history be fixed across all three credit bureaus or delete this account from my reports immediately. In the event that this account isn't corrected or deleted across all three bureaus then I will retain an FCRA lawyer and seek damages. I'm fully aware that this account is in violation of 15 USC 1681 s-2 ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : EXPERIAN : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX : XXXX XXXX XXXX Balance : {$620.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$150.00} XXXX XXXXXXXX Balance : {$78.00} XXXX XXXXXXXX Balance : {$51.00} XXXX XXXXXXXX Balance : {$78.00} XXXX  XXXX Balance : {$78.00} XXXX  XXXX Balance : {$35.00} XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$370.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$88.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am reaching out to you guys cause Ive sent numerous disputes in regards to a few late payments on my credit report for capital one. Ive disputed it with both creditor and XXXX. Neither one wants to correct the issue after capital one removed from the other Credit bureaus XXXX and XXXX. Please can someone help me and get it fixed ASAP
Product: Debt collection

Access Group , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX is calling my fax number XXXX a week and sometimes several times a day via Robo call system. I finally called them they are collecting student debt. I do n't have student loans, i do n't have kids and have not guaranteed anyone. The lady that answered the phone did not even know the address of the building she worked in. After pressuring her she told me. She said she would try to take my Phone number off but did not guarantee it.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today, Experian has continue to leave inaccurate credit information on my credit report as reviewed on my credit report online. Several disputes have been taken but the request to remove an delete inaccurate information has continue remain my credit file. I have submitted a certified letter to Experian about the inaccurate information that is on my credit file from item XXXX XXXX. Experian can clearly see the information is not a match but has continue to leave fed loan on my credit report this is against the FTC. In result the inaccurate information does not match and a request to remove and delete this off from my credit report.
Product: Checking or savings account

My banks account has been hacked twice today and once last month. I reported it last month and nothing has been done and I'm waiting to connect with them today. The band is Citizens.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Chime XXXX XXXX XXXX Account was removed from reporting on my XXXX back in XXXX of 2021 for not reason. Although it was removed from XXXX and they refuse to provide a reason as to why, the only way the XXXX will restore reporting of the Chime Credit Builder Account is to have Chime send them a reinsertion letter and updating the account information. I have tried for several months to get Chime to do this yet the keep giving me the run around and repeatedly tell me that since XXXX removed the account, it's XXXX 's problem. This of course is not true since XXXX is telling me that the only way they'll start reporting the Chime Bank XXXX XXXX account again is if CHIME submits a reinsertion letter. For nearly a year Chime and XXXX has blamed the other for the account not reporting on my XXXX XXXX XXXX.
Product: Debt collection

On XXXX  I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that National Credit Systems had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/ with a balance of {$6500.00}. I had no knowledge of this company nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of making a major purchase. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with making a major purchase and business ventures that have to be delayed until this illegal account is removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and a lot of accounts were taken out in name including student loans. Please help me to rectify these fraudulent accounts : Dept. of Education/XXXX in XX/XX/XXXX for {$68000.00}. Ive constantly called them to setup payments to avoid it dragging my credit down any further. This is not my account!! Other accounts are as follows : XXXX XXXX XXXX XX/XX/XXXX Balance : {$1100.00}. 
XXXX  XXXX/XXXX  XXXX  XX/XX/XXXX Balance : unknown XXXX  XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX credit limit : {$2000.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am writing to formally lodge a complaint against Discover for their mishandling of a dispute and their refusal to address my concerns despite numerous attempts to resolve the matter directly with them. 

I have contacted Discover dozens of times over the past month via phone calls and online chat, and they have consistently ignored me. In fact, Discover has transferred me a total of 32 times during this period without providing any resolution. At this point, they have completely stopped responding to my chat messages and continue to transfer me when I call. 

Issue : I am disputing a transaction where the merchant falsely claimed to have issued a refund of {$28.00}, which was never actually refunded. Instead, the merchant misrepresented the situation. 

Here are the key facts : I initially added {$100.00} to my account balance for future purchases. 
I withdrew the remaining balance after deciding to stop using the merchants services and dispute the charge. 
The merchant falsely claimed that a {$28.00} refund was processed. However, this was not a refund but rather a withdrawal of my own funds. 
Although a Discover representative issued a partial refund of {$11.00}, they informed me that the merchant claimed the remaining amount was allocated to a different order, which is not accurate. 
My communications with the merchant clearly show that they refused to issue a refund. 
Furthermore, Discover 's representative admitted that their system shows no proof of the order or refund, which points to the merchant being dishonest. 
I have provided Discover with evidence, including email receipts and documentation from the merchants website, that clearly demonstrate the {$28.00} was a withdrawal of my funds, not a refund. Despite this, Discover refuses to properly address the dispute. 

Discovers Inadequate Handling : Discover has failed to provide an explanation for why my dispute was declined. 
I was assured by one of their customer service agents that my case was valid, and that the merchant had not provided proof to counter my claim. 
Despite this assurance, the dispute was declined, leaving me without my rightful refund. 
This mishandling has been extremely frustrating and stressful. I believe I am entitled to my money back, and Discovers refusal to assist me is unacceptable.

Resolution Requested : I am requesting that Discover : Re-review my case immediately, considering the evidence I have provided.

Process the full refund for the disputed amount of {$28.00}, as this is clearly not a refund but a withdrawal of my funds.

Provide a detailed explanation of why my valid dispute was declined, despite assurances to the contrary.

I ask that this matter be escalated and reviewed by a manager, as the ongoing lack of assistance and responsiveness is highly concerning. 

Thank you for your attention to this matter. I hope for a prompt and fair resolution.
Product: Mortgage

The 3rd week of XXXX XXXX, Freedom Mortgage XXXX, notified us we were short on XXXX Escrow. The shortage was caused by an increase in the home owners insurance premium, which we were not notified of. We changed insurance companies, which resulted in the premium going down {$500.00} for the year. The old insurance caused a shortage of {$1600.00}, we overnighted the full amount to the XXXX office, per the instruction of the company. We call a few business days later to see, if the check was placed in the XXXX Escrow account. We ask if they had the new insurance company information and new payment schedule. 
We requested the new amount for the monthly mortgage payment with the corrected escrow. We were told the XXXX Escrow check was supposed to be mailed to XXXX. As of today the {$1600.00} funds have never been correctly deposited to the XXXX Escrow account, despite the memo on the check specifically state " XXXX Escrow. '' We paid a {$600.00} house note, which was sent to Escrow for unknown reasons. The XXXX Escrow has never been figured, so to date after trying to the right thing for 8 weeks, we have made ZERO progress. We have called at least once, if not twice a week to see what updates have been made. We rarely if ever are able to transferred to a supervisor. We have yet to talk never talk to same person or the same office. I do n't know they just have bad business practices or what. Freedom Mortgage has not returned any of the phone calls as promised. We have a VA ARM loan and on paper it is a great deal, we strongly suspect the mortgage company is not making any money on the loan, so they are trying to force us into a conventional loan against own will. They also send us information on their conventional loans a min of weekly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give access to my credit to XXXX, XXXX, And XXXX and they have access my credit without my permission they have also given away freely reports of my credit. if not corrected | will have to seek restitution Under 1681n. Civil liability for willful noncompliance ( a ) In general Any person who wilful fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 





Account number XXXX Account number XXXX
Product: Payday loan, title loan, or personal loan

ONCE AGAIN I have received yet another scammy fraudulent junkmail solicitation from these criminals addressed to my deceased  father at my address. Despite repeatedly being told to CEASE AND DESIST, the mailing continue. They have openly lied and disobeyed XXXX complaints and continue to annoy and harass. Their mailing include fraudulent wording such as : '' Active account notification '' " Use your Active Account Card '' " Congratulations on your Account Status '' and " Account Confirmation '' all intended to deceive and defraud consumers. They also include a phony credit card. These XXXX  criminals do this all over the country and there are dozens of complaints all over the Internet against them. They also go by the name XXXX XXXX. They are a FRAUD. They are CRIMINALS and need to be investigated and put out of the public misery. This is NOT a duplicate as I have received YET another mailing from the XXXX despite my previous complaints. ( Attached )
Product: Debt collection

XXXX from XXXX debt collection agency called me XXXX month ago about a debt owe to XXXX XXXX. She told me they got the letter back which they send to my old address and asked for new address. She said they are going mail me the documents, but I never got the letter from them. Now they do n't want to send me any letters.
Product: Checking or savings account

Foreign currency and information comprised can't trust using the bank as a result
Product: Credit reporting, credit repair services, or other personal consumer reports

The year 2017 of this year where my information was stolen from different sources that uses XXXX and XXXX and Trans union reports was compromised and breached from the systems. Please fix all reports to match what is accurate.
Product: Credit reporting or other personal consumer reports

while I was reviewing my consumer reports, I noticed that some instances of late payment on my account which I have matained timely payment.consumer reporting agencies play a crutial role in accurately reporting consumer infomation.it is imperative that this information be reported with utmost accuracy.I have never missed a payment on the account { XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX } .The all XXXX  account number are { XXXX }, { XXXX }, { XXXX } .I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payment .If unable to provide such proof, I demand that these payments be promptly updated to reflect their true status as-on time, as I have consistenly upheld my payment obligations without delay.
Product: Checking or savings account

In this ongoing dispute, PayPal, the originating company of the fraudulent charge, has consistently denied the existence of the unauthorized transactions and has shown reluctance in assisting in the recovery of the stolen funds. Despite persistent efforts spanning over four months, which included numerous phone calls and emails, PayPal has failed to acknowledge their responsibility in the matter. 

I have diligently provided PayPal with transaction ID numbers and the email address of the vendor associated with the unauthorized charges. However, instead of addressing the issue directly, PayPal continues to evade responsibility and refuses to take appropriate action to rectify the situation. 

Furthermore, my bank has reiterated that only PayPal has the authority to resolve this issue. Despite this, PayPal persists in their refusal to cooperate, leaving me in a frustrating and untenable position. 

This persistent denial and lack of cooperation from PayPal not only exacerbate the financial burden caused by the fraudulent charges but also undermine trust in their services. It is imperative that PayPal acknowledges their role in this matter and takes immediate steps to facilitate the return of the stolen funds.