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

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}.
Product: Debt collection

A debt on my consumer report from a company called LoanMe which further looking at my consumer report has been sold to a company called XXXX XXXX XXXX. This debt is a result of identity theft and I have submitted my police report and ftc.gov report to XXXX and LoanMe. The loan application does not have my handwritten signature on the application which is attached. It was an online application done AFTER my laptop was stolen from my car and a police report was taken ( attached ). XXXX is the CRA the company is using to report. Each dispute comes back " verified ''. It has been SEVERAL YEARS reporting and disputing. I realize, maybe that I'm not including this other company who now owns the debt XXXX XXXX XXXX XXXX ) ; so, I'm including them here. I am attaching all of my documentation here. I've tried fixing this issue and nothing has been resolved.
Product: Credit card

I, have a bank of America credit card that keeps changing the do date and monthly minimal payment, I have set up an auto pay but yet they are still charging me lat fees, I called them to try to understand why they are doing that to me! 
but they didn't help me and still charging feeds after fees. 
I don't have control over their abuse charges and I need help with it, i should report this abuse charges to all consumer affairs, i feel deeply affected by this as the economy is really bad, and the fires in California left us very deeply affective, this credit card is killing me! 
I can not work with them anymore and i need your help to at lease address these problems they are stilling from me very unfairly! 
kind regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has filed federal lawsuits on behalf of several consumers who have been unable to correct credit reporting entries that were either erroneous or the result of identity theft. 
The accounts listed below were open due to Fraud and you company has been doing improper investigation on the consumer behalf. 

Please understand as well that under the FCRA any " furnisher of information '' must put the account rating on hold while the debt, is being investigated and remove all negative remarks added to my credit report. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you by me. 

I expect to receive proof requested above, within 10 days from the date of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company, business or bank for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. 

These include : Not notifying me of investigation status not, Not correcting Fraudulent info, and reporting fraudulent information on credit reports. 
REMOVE ALL ACCOUNTS LISTED BELOW IMMEDIATELY. 

XXXX XXXX XXXX XXXXClosed Closed on XXXX XXXX, XXXX XXXXClosed Closed on XX/XX/XXXX XXXX XXXX XXXXClosed Closed on XX/XX/XXXX XXXX XXXX XXXXClosed Closed on XX/XX/XXXX XXXXClosed Closed on XX/XX/XXXX XXXX
Product: Credit card or prepaid card

UBS CUSTOMER SERVICE REFUSES TO UPDATE ADDRESS STATING THEY DONT HAVE MY ZIP CODE ON FILE ETC., REFUSES TO TRANSFER CALL TO SUPERVISOR, AGENTS ARE RUDE AND ROBOTIC. ASKING FOR ACCOUNT NUMBER REPEATEDLY. NOT SURE IF I WOKE THEM UP WHEN CALLING AT XXXX XXXX   BUT I NEED MY ADDRESS UPDATED AND PHONE NUMBER UPDATED AND CAN NOT GET IT DONE. UBS HAS A CONSISTENT PROBLEM WITH CUSTOMER SERVICE AND THIS SHOULD BE NOTED ON THE NEXT OCC OR CFPB REVIEW OF THIS ARM OF UBS. ABSOLUTELY INEPT CUSTOMER SERVICE AND THE AGENTS ARE MERELY A SYMPTOM OF THEIR PROBLEMS, THERE IS A COMPLETE LACK OF LEADERSHIP IN THIS BUSINESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent out a dispute letter to Transunion in regards to inaccurate reporting on my credit report on the XXXX XXXX credit card account. By law, according to the Fair Credit Reporting Act ( FCRA ), I should have received a response within 30 days or less which I never received. On XX/XX/2021, I sent out a demand to comply letter to remind Transunion to respond to my dispute letter and I still have not received a response to date.
Product: Mortgage

TDBank 's online experience is useless. There's no information whatsoever on the escrow. When I call, it's 2 hour wait times and getting disconnected, or the person can't help. They were supposed to mail an escrow statement and never did. This is insane.
Product: Credit reporting or other personal consumer reports

Ive requested a 1099c form from XXXX XXXX XXXX XXXX XXXX so I can file the debt on my taxes they failed to provide me with a form so I asked did they file they wouldnt give me an answer and they are updating this balance as an open account in all 3 of the credit agencies transunion XXXX and XXXX
Product: Debt collection

Notice of VIOLATED Rights Under 15 U.S.C. 1681 : Privacy Rights : I have the right to privacy under 15 U.S.C. 1681, Section 602 ( a ).

Limitations on Consumer Reporting : As stated in 15 U.S.C. 1681b, a consumer reporting agency can not furnish an account report without my written instructions.

Reporting Restrictions : 15 U.S.C. 1681c ( a ) ( 5 ) prohibits any consumer reporting agency from including in a consumer report any adverse information older than seven years, except records of convictions of crimes.

Accuracy of Information : According to 15 U.S.C. 1681s-2 ( a ) ( 1 ), no person shall furnish any information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate.

Statement of Violation : I have never given authorization or permission to report to any credit agency, and I do not have an account with this agency. According to the statutes mentioned above, my rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccuracies have been furnished to my consumer report. If a proper investigation was done for accuracy and integrity prior to the reporting of this information Equifax would not be in violation of federal law. Please see attachment.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally request a thorough reinvestigation into the inaccurate accounts being reported on my consumer credit report. I have identified several false instances and non-compliant information that require your immediate attention. 

Federal regulations mandate the complete, accurate, and compliant reporting of all information, particularly within the XXXX XXXX data fields. Any deviation from this standard is not only a violation of federal regulations but also a breach of consumer trust. 

I insist on your strict compliance with XXXX XXXX reporting requirements. You must provide me with irrefutable physical proof of the validity, accuracy, and compliance of the reported information. Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items. 
The method of contact used ( e.g., phone, email, written correspondence ). 
Whether you utilized a XXXX XXXX XXXX ( XXXX ) or an automated dispute verification system. 
A detailed description of the reinvestigation procedure, including the steps taken to verify the disputed items. 
If you can not substantiate the claims made in my report with the requested information, I expect the inaccurate accounts to be removed immediately. Failure to comply with my request will result in my taking legal action, including filing a lawsuit in small claims court for {$1000.00} per violation, pursuant to FCRA XXXX ( a ) ( XXXX ). 

Please address this matter with the urgency it deserves and provide a written response within the XXXX period as required by the FCRA. I expect a complete and thorough investigation into this matter. Please provide me with my written permissible purpose letter giving you consent to furnish. 

Thank you for your prompt attention to this serious issue. 

attached is my ID, XXXX, and Proof of address. Also plea
Product: Debt collection

They were providing false information related to account numbers and reference info after I had submitted a payment. What was most disappointing was the fact that this debt was not even mine. Someone had used my social security to obtain service through att and I was paying for it.
Product: Credit reporting

Equifax credit was sent a dispute on XXXX XXXX XXXX, advising them that the information as far as the balance, last payment received and amount of payment were reporting incorrect. Since that time as of XXXX/XXXX/2016 equifax has placed this creditor with my creditors that were apart of the ChXXXXBK on XXXX/XXXX/16. This creditor was not among those being discharged, this debt was Reaffirmed. My payments are current and the information that was previously reporting should be added back to my credit history per first report attached below with the payments showing XXXX monthly, XXXX balance, all payments are current last payment XXXX/XXXX/2016. I have attached the Reaffirmation agreement from the BK, please update with the current balance of XXXX, along with correct terms to date from agreement. I 've also attached the previous report showing my auto loan showing the correct information on XXXX/XXXX/16 before equifax completed an error on my report, along with the new report on XXXX/XXXX/16 showing my auto has been closed and put under the incorrect status as of now.
Product: Debt collection

Basically someone stole my credit and I was homeless at the time and they served my mom with paperwork to go to court .. I never got the paper work I sent them a letter asking if they could validate the debt they never did.. So I have this credit hit on my account and cant get it off because they lied and court saying they got a hold of me they said they sent me a validation of debt and they never did. When I talked to the guy on the phone he said he was going to go after me till I was XXXX.
Product: Money transfer, virtual currency, or money service

I sent {$290.00} via Western Union on XX/XX/2024 as a loan to a friend and I later found out this was a scam. I called Western Union within 5 minutes of the transaction to request a cancelation and refund of the money and refused to do so because the scammers had picked up the money already. I have been on the phone with Western Union for over a hour, talked to several representatives and they all keep telling me that they are sorry but I will not be getting my money back.
Product: Credit card

The company refuses to send me a statement or at least give me access to my online account. They claim that since my account is " inactive '' ( meaning closed, i have n't used this credit card in years ) I am unable to view my information. I am STILL paying for this low-limit credit card from 2009 ( 28 % interest ) and I have a right to see what my balance and payment history is. They told me I just need to " call them '' any time I need to know something. Ive called twice and spoken to several people. They keep telling me that in order to help me they need my credit card number, however, I no longer HAVE the number because I no longer have the card.
Product: Credit card

Never apply for XXXX XXXX Now all of my 3 credit bureaus reporting someone try to open the account. Recently, I i noticed couples of hard inquiry that I did not noticed and over 30 soft inquires in 1 month! The XXXX XXXX got applied by someone even before I moved to my new house in Texas. Every time I dispute with a credit bureau for stuff like this they never removed for me. Reason why I have to complaint to CFPB. T I did called XXXX XXXX  Police XXXX and they only provided the case number XXXX for credit bureau to call ask for report. thank You so much for your time helping me.
Product: Debt collection

Comenity XXXX Repeated calls and voicemails from XXXX - More than 4 times a day Multiple Private Numbers - 10 times in 2 days multiple voicemails
Product: Credit card

I have been contacted on XXXX separate times concerning balances on my credit cards. I d not normally carry balances but, because of a family emergency, I am carrying them now. In particular, I was contacted by an entity today regarding my Chase credit card. The " hook '' if you will, is an offer to lower the interest rate to 6.9 % from my current 20.24 % ( unfortunate ) rate.The call progressed from a salesperson to a " manager '' that will give me the specifics. The specifics are a flat " fee '' as it was referred to by the manager will be conveniently charged to me in XXXX monthly installments and will " knock off {$1700.00} off of the of the interest charged at the usual rate ''. Wait a minute? So on a declining balance, that would not be true? They switch me to a person in " security '' and as I question and challenge the truth about the switch, I ask them who exactly they are and how do they know about my to the penny balance, available credit, and last payment and what bank it is drawn on? I argue with the " help '' they are offering, and want to see something in writing. This " security '' person states that it 's already done, to which I became angry and ask how could they do that without my consent as there was no point in the conversation that I gave consent. After I stated that I would not be carrying the balance for a year,, The argumentative " security '' person asks if intend to pay the balance in full within XXXX weeks to which I answered yes. He then in a THREATENING manner says he will inform Chase. I ask that he give me his name and he hung up. The initial call was from XXXX.My call was dropped and the " manager '' called me from XXXX. I used this number to call back and it was Chase! Option XXXX is for lenders to obtain balances from credit card holders! I asked to talk to someone in the security department and was told that Chase does not give out this information, which I do n't believe. At one point in the conversation I stated that if it was Chase, why could n't I negotiate a lower rate for my self? I think this is very deceptive, and a means for Chase to burden it 's credit card holders with more debt and that unfortunately many people are deluded into taking the offer. Are any laws being broken here or is it just bad ethics?
Product: Debt collection

Over the last  2-3 years  have had numerous collections accounts appear in my name and social security number on all  XXXX  credit reports fro m 2 differe nt collection agencies,   XXXX   XXXX   and as of lat e, Progressive Financial Services ou t of  XXXX  AZ, representing  XXXX   XXXX  in   XXXX   XXXX   XXXX  OK for I assume, cable services and equipment. I 've never lived in, been to or know anyone in Oklahoma. The same thing has happened to my mom and father. I literally just had an account with   XXXX   XXXX   removed from all  XXXX  of my credit files within the last month. I just checked my credit today and  XXXX  is showing this new account with  Progressive Financial Services. I  assume  XXXX  and  XXXX  will end up reporting this account as well. The reason I 'm filing my complaint through CFPB is because I am emotionally exhausted from having to deal with the collection agencies,  XXXX   XXXX  and all  XXXX  bureaus. I 've already warned the original creditor to remove any current or past due accounts in my name and social security number from their systems or I will take legal action. All together, since  XXXX , there has been 8 collection accounts reported to all  XXXX  credit bureaus under my name and social security number and all of them have been accounts with the original creditor  XXXX   XXXX    XXXX    XXXX  OK. I live in  XXXX  and have for my entire life except for 13 months from  XXXX   XXXX  through  XXXX   XXXX   XXXX  when our family moved to   XXXX   XXXX   to care for my terminally ill grandfather. We moved back to  XXXX  in  Mid   XXXX   XXXX  and have lived here in   XXXX   since. Until this morning, my credit scores were just south of  XXXX . Now my scores have taken a large hit because of these collections accounts. Please do something to stop this from happening again and again.
Product: Credit card or prepaid card

On Friday XX/XX/2020, I applied for a Chase Slate Credit Card based on the attached offer I received in the mail for a 0 % introductory offer and 16.49 % variable rate thereafter. The deadline to apply for this is XX/XX/2020 as noted in the attached. I initially tried to call Chase bank to apply for this but was advised by Chase that I had to go online to apply. I logged into my account and applied. I also requested a balance transfer. I was notified about a day later that I had been approved for the credit card and the balance transfer. When I received my credit card in the mail ( last four digits XXXX ), the terms stated that my variable rate after the introductory rate would be 25.24 % instead of what I was offered XXXX see attached terms and conditions received with the approved card ). Needless to say, I was alarmed and irate. I visited a Chase branch on Tuesday, XX/XX/2020 in hopes to have this corrected. The representative was not able to address my concern but made a phone call to Chase Credit Cards and spoke with a XXXX XXXX who failed to assist and suggested that I go to my account online and send Chase a message about my concern including uploading the attached offered. This further angered me as I could not understand why that was any different from me visiting a Chase bank with documentation in-hand demonstrating that Chase used a bait and switch tactic to swindle me into a much higher interest rate than I was offered. I am frustrated with this and I am requesting that my interest rate on my credit card be revised to the 16.49 % offer I was presented. I do not wish to receive the run-around from Chase trying to get this corrected as this is clearly a flagrant misrepresentation on Chases part.
Product: Debt collection

Date of Service : XX/XX/2013 Amount Owed : XXXX Since XXXX I have been trying to have this erroneous reported debt removed from my credit report. It has had adverse affects, especially at a time when I am trying to get a home loan. 
I was part of the hospitals financial assistance program and my date of services was XXXX out and covered by the program : XXXX. 

The hospital sent word that : " Ive just heard back from XXXX XXXX. Theyve confirmed that the account has been closed from ARS ( Ability Recovery Services ) per the financial assistance approval. They have also removed any derogatory credit reporting that was done as a result. '' Yet when I contacted the credit bureaus recently, they say the removal happens immediately once it has been reported and it has not been removed. 

I feel I have very little control over what is happening to my credit. The credit bureaus don't care about the proof I have submitted or what I have to say or what the hospital has to say. They only want to take the side of the creditor which is a 4th party at this point. I can not live with this type of unnecessary stress and now am having negative repercussions for something that never should have been sent to collections and on my report to begin with. 

The hospital has been amazing and has done all they can do. I am extremely impressed and thankful for their help. This is now up to Ability Recovery Services to remove this account from my report immediately. Not when they feel like it, but immediately. 

I'd also like to send a complaint about the bureaus for not performing proper investigations into this and for not accepting the word of the hospital and proof I sent in. This could have and should have been handled immediately once they received all of these documents. They also refused to contact Ability Recovery Services. So tell me, how can they perform investigation on disputes without proper communication? 

Thank you in advanced for your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting in XXXX, 2018 my Equifax credit report appeared to stop updating. Account balances did not change and no new information was added. The report was correct in every other way as to my personal identification. Both my XXXX  and XXXX  reports continued to be update correctly. After watching for several months, I opened a dispute with Equifax. They looked only at two accounts for the dispute. They manually corrected both accounts to current information. However, no further updates ever arrived.

My credit report is frozen so I attempted a thaw and freeze to see if that would help, but it did not. Again in six months, my score dropped due to inactive accounts. I again contacted Equifax and two accounts were once again manually updated but subsequently stopped. 

I again opened a dispute for the third time after my score dropped from XXXX to XXXX. Once again a couple of accounts were updated but no further action. Even newly opened accounts have not appeared on Equifax. 

Once again as of XXXX, my score has dropped to XXXX, while my XXXX  and XXXX  are over XXXX. 

I do not know how to get to someone at Equifax who can actually research my report properly to determine why updates have stopped. The accounts in questions are from major companies such as XXXX XXXX and XXXX XXXX. I simply can not believe my information is not being reported to Equifax yet arrives correctly at the other agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey my name is XXXX XXXX XXXX : I am writing because i have disputed inaccurate information on my credit report with the credit bureaus and they STILL will not remove it from credit report. I understand that they have to remove it if it is inccorrect. Will you please view my file and the information so that it can be corrected. 

XXXX XXXX please remove this because there are two seperate credit limits ( {$1900.00} {$0.00} ) XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) : please remove this because the balance is INCORRECT CREDIT COLL ( Original Creditor : 06 XXXX ) XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX please remove this because the date of last activity is inaccorect