23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XXXX, XXXX XXXX XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion promptly block and remove fraudulent information from my consumer credit report within four business days of receiving this complaint. The fraudulent, inaccurate, and unauthorized information includes the following accounts : XXXX. XXXX XXXX Opened XX/XX/XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ( Auto Insurance ) Opened XX/XX/XXXX Account # XXXX XXXX. XXXX XXXX ( Collections Account ) Opened XX/XX/XXXX Account # XXXX XXXX. XXXX XXXX  XXXX ( Collections Account ) Account # XXXX These fraudulent accounts have resulted in multiple unauthorized hard inquiries and collection accounts appearing on my consumer FICO credit report, negatively impacting my credit profile. I have attached a detailed list of these hard inquiries, along with a copy of my credit report as maintained by TransUnion, which clearly shows the presence of these fraudulent items.

I want to make it clear that : I do not recognize these accounts, collections, or hard inquiries.

I did not open, initiate, or authorize these accounts, collections, or inquiries.

These accounts, collections, and inquiries are the direct result of identity theft and fraud. 

To substantiate my claim, I have attached a copy of my FTC Identity Theft Criminal Complaint # XXXX, which serves as official documentation from the U.S. Federal Trade Commission confirming that these consumer credit accounts, collections, and inquiries are the result of identity theft and fraud.

I request immediate action to block and permanently remove these fraudulent accounts, collections, and inquiries from my credit file in accordance with federal law. Please confirm receipt of this complaint and provide a written response outlining the steps taken to resolve this issue.
Product: Debt collection

Following my visit to XXXX XXXX Hospital in XXXX, GA on XX/XX/2017 for my son 's illness, XXXX charged for me HC ER Service Class III and filed 2 claims worth {$1200.00} and {$810.00} of which I was deemed responsible for {$750.00} and {$120.00} respectively by my insurance XXXX. 
Knowing it was no more than an urgent care visit and definitely not HC ER Service Class III, I requested for itemized bill several times to XXXX XXXX XXXX but I never received. 
I've also appealed to XXXX and while they are investigating, XXXX already sent these to 2 different collection agencies and they want me to pay the said amounts regardless of whether I actually received the services or not.
Product: Checking or savings account

Hello- I am reaching out to parent company Fiserv  XXXX XXXX XXXX XXXX  XXXX ) because a payment that was to be processed to me was never received. 

Merchant used XXXX ( intermediary/payment processor ) to initiate a refund/credit to me and it's missing. I am looking for help to find where it went and what happened. 

Please see attachment and also details below. 

On XX/XX/2024 an XXXX  transfer was initiated for the amount of {$2600.00} from XXXX routing number XXXX to be received at XXXX routing number XXXX account number ending XXXX. 

XXXX XXXX ID # = XXXX I've never received the funds transfer as of today XX/XX/2024. 

I would like an employee at Fiserv specializing in XXXX type XXXX to provide me with the following. 
XXXX ) Was the transfer sent successfully to XXXX or was it Rejected/Returned to the XXXX 's bank account? 
XXXX ) What was the error ( XXXX XXXX code )? XXXX - XXXX XXXX Account XXXX. 
XXXX ) Please provide the XXXX XXXX XXXX ID ( XXXX digit # )? 
XXXX ) My XXXX routing/checking account numbers were ( XXXX XXXX XXXX XXXXccount numbers ( virtual ). Was there an issue processing it there specifically? 

Thank you for your time. I hope to be able to find where my funds landed.
Product: Debt collection

I want to start by stating that I am a elder veteran who is being taken advantage of and pressured into paying for an account. Furthermore, Meridian financial services is ruining my credit rating and affecting my ability to obtain credit. They took an account which they state is " one account '' in the correspondence they sent me and broke the account into 4 separate accounts on my credit reports. When I asked the credit bureaus and the collection agency to validate every account reported they are saying it is accurate. Actually, XXXX  even has them listed as an ATTORNEY which I believe is actually against the law to my understanding. Initially, I received a letter from Meridian Financial Services dated XXXX XXXX which stated I owed them {$7900.00}. More recently I received one stating {$6100.00}? First off, I never signed a contract with this organization and have since requested where in the original contract with the creditor did it state I would need to work or communicate with this collection agency. Furthermore, I received notification from the original creditor that the mortgage was satisfied and paid in full yet, this collection agency is reporting over $ 6k in separate payments ( which I have attached all of this documentation ). On just my XXXX   alone ( which has them listed as an attorney ) there are accounts in the amount of {$640.00}, {$2200.00}, $ {$2200.00}, {$890.00}. How can this even be the case when the mortgage was paid/satisfied and somehow they say I still owe them money for 1 account yet there are four accounts? I am confident I am being taking advantage of and they are trying to steal money from me even during this pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XXXX last year and XXXX this year and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of inaccurate/unverifiable and fraudulent misinformation. I am writing to request that you block the following unrecognized and/or fraudulent information from my credit report. I have no idea how the misinformation come to take place. I also have no knowledge of any person/persons/or entities that might be responsible. I have not received any money, goods, or services as a result of the disputed misinformation.
Product: Mortgage

I am a victim of identity theft, I have tried numerous times to rectify this, My social security number is being used fraudulently, I DO NOT HAVE A MORTGAGE WITH XXXX XXXX XXXX. I sent court documents and FTC report.
Product: Student loan

The calls are never ending and they call as late as XXXX. I got a loan through Navient in 2004 for a school called XXXX in XXXX Fl, later to find out that school isnt credited.They later changed the name to XXXX but the credits dont transfer and Im stuck with a XXXX $ bill that keeps increasing. I took two classes and only attended a semester. The school is fraudulent and I shouldnt have to pay.
Product: Credit card

Some kind of way there was money taken out of my Merrill Lynch account in the amount of {$100000.00} and I am asking for the money sent back. They have just gave me the run around. I am now asking for interest on this money which I would have received.
Product: Student loan

I qualified 100 % absolutely for the XXXX. Followed all requirements specifically as required and submitted everything on time and as required. I have followed up with calls to MOHELA for over XXXX years now and they give me the run around EVERY TIME, saying things like- we are working to process it, should only be a few weeks, need to submit another form ( which I did ), many many calls. They dropped the ball on my rightful forgiveness under XXXX!!! Help!!
Product: Credit card or prepaid card

Received a text from American Express reporting unusual activity, click on the link. Checked my online account, no suspicious charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my credit report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I am hoping that these accounts late will be corrected. 

XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXI Account Number : XXXX
Product: Credit card or prepaid card

I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Product: Credit reporting

Please delete the following incorrect personal information that is inaccurate. 

Incorrect/Misspelled Name : XXXX XXXX XXXX Incorrect/Wrong Addresses : XXXX XXXX GA XXXX XXXX XXXX GA XXXX Incorrect Social Security Numbers : XXXX
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX I was alerted by XXXX XXXX about a debt of mine falling into " Collections '' I rushed to see what that was all about as I am very responsible with my debts and take care of my credit as best as possible. As I investigated I see on my XXXX report this supposed account with XXXX XXXX XXXX as being the culprit. Also at the same time I see a new " address '' of mine show up on the XXXX report as well. I do not recognize this XXXX, PA XXXX address at all. I have never lived anywhere outside of XXXX XXXX and have no business at all linking me to this electric utilities company and much less living in the state of Pennsylvania. I am certain this has to be a huge mistake by XXXX or my identity has been stolen. Oddly enough I have no other negative remarks on record nor anything else has shown up on either of the buraus monitored by XXXX XXXX or XXXX. I strive to keep my credit in top shape. All my accounts are in good standing. And I pride myself for being a responsible adult, specially in these matters. Nonetheless my biggest gripe apart from this huge burden being laid upon me, is that when attempting to file a dispute with XXXX as so graciously XXXX XXXX guides me to do, I am unable to do so as the forced process that requires me to log into XXXX seems to be broken. I've been trying to log in to complete this dispute claim and have this looked into yet every single time I attempt to I am met with a " We are temporarily unable to complete this request. Please try again later. '' message. It has been this way for the past 2 weeks almost and no help over the phone either.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my dissatisfaction and concern regarding the recent attempt to rectify the late open accounts associated with Credit Bureaus. This is the second time I am addressing this issue, and I am disappointed that the problem remains unresolved. 

I initially contacted your company to report several discrepancies in my account statement. These discrepancies primarily revolved around accounts that were inaccurately marked as late, despite my consistent and timely payments. After a lengthy exchange of emails and phone calls with your customer service department, I was assured that the matter would be investigated, and the inaccuracies would be corrected promptly. 

Unfortunately, despite the assurances I received during our previous correspondence, I find myself in a similar situation. My most recent account statement, continues to show late open accounts that have not been rectified. This is not only frustrating but also damaging to my credit score and overall financial well-being. 

I have attached copies of my previous correspondences with your company, as well as the account statements that clearly demonstrate the ongoing issue. It is essential to reiterate that these discrepancies are not a result of any negligence on my part, but rather an error on the part of your company 's accounting department. 

I request that you take immediate action to investigate and correct the inaccuracies in my account statement. I understand that errors can occur, but it is crucial that they are rectified promptly and effectively to ensure the accuracy of my financial records and the integrity of my credit report. Additionally, I kindly request that you provide me with a written confirmation once the corrections have been made. 

Furthermore, I would appreciate an explanation of the steps your company is taking to prevent such errors from occurring in the future. Timely and accurate account statements are vital for maintaining customer trust and satisfaction. 

If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for tour immediate assistance to correct the following late open accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I receive error message when using my credit card at retailers. When I slide my card the message says notify cashier. I have reported it to Bank of America but have not received a response. This was 2 months ago. They sent me an email stating someone would call me and they did. When I returned the call it went to voice mail. That's where I am now.
Product: Debt collection

I owe around {$10000.00} to XXXX, and am in a debt resolution program with XXXX XXXX XXXX. I provided XXXX the number to XXXX XXXX XXXX, and was told not to have any further contact with XXXX representatives, as XXXX representatives would handle it. As of Friday, XX/XX/XXXX I have been receiving calls from XXXX XXXX, formerly known as XXXX XXXX XXXX. They are a credit collections company used by XXXX. On Friday I received 2 calls, on both XXXX and XXXX I received one call, and today on XXXX I have received three calls. One of these calls was a call to my office asking to speak to me, however I was in a meeting. The man who called was very aggressive to my boss who answered. I checked with a lawyer and learned that repeated calls on the same day and calling my work are illegal practices. Calling my place of work puts my job at risk. As stated before, I have provided the number for XXXX XXXX XXXX, whom they are supposed to be working with.
Product: Prepaid card

I received this Vanilla Gift Card and attempted to use it at several merchants, both online and in person. Every time the card was declined which is not only embarrassing, but also frustrating as this is {$100.00} that has just disappeared. When I contacted the company, I was told the card was frozen due to too many declines. They offered to send me a new one, I asked for a list of stores where this card might be valid, and they told me I should be able to use the new card anywhere. When I received the new card, I attempted to use it multiple times with the same result. This is so frustrating and the company is no help. Their suggestion was that I try to use it everywhere until it works which is a complete non-answer to me. The person who gave me this card has been defrauded out of {$100.00} and I have nothing to show for it.
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : XXXX XXXX, XXXX, XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal Loan account opened at XXXX XXXX XXXX XXXX, XX/XX/year>. This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This letter is being sent today in order to formally contest some errors found on the credit report. Some discrepancies were discovered during a recent review of the credit report, which has caused my credit score to suffer. 

A prompt response to look into these inconsistencies and make the necessary corrections is expected given how serious this problem is. The credit system is made to accurately reflect consumers ' financial circumstances. However, the appearance of these errors raises concerns about the efficiency of that system. 

Dealing with these errors is difficult despite efforts to keep finances in order. It is doubtful whether this important financial document is accurate, which could have an impact on future financial decisions and the credit score. The potential effects of a system-generated report on one 's financial situation demand serious consideration. 

The seriousness of the situation is highlighted in light of the current circumstances, and an immediate conclusion to this dispute is urged. We need your help to solve this problem and deliver a credit report that accurately reflects fiscal responsibility. 

A timely response to this important matter is desired. A correct credit report can be obtained with your help.
Product: Debt collection

Paypal is still not clear about something XXXX I don't know what that is. The original company already closed that account, but. PayPal still giving the run around. No giving me specific information. Also someone the name XXXX XXXX called me, she said will speak with me about XXXX, but nothing in writing. She also stating that I was not available kinds of playing with me ( I try you once, you didn't answer me ) that fells treating to me. It may be a PayPal account from year ago that I never used it.
Product: Credit card or prepaid card

Filed a dispute in XXXX with Synchrony Bank regarding an item on my statement. 
XXXX XXXX wrongly billed me for repairs performed on another person 's car ( XX/XX/XXXX ). 
The name on the transaction was not mine and the car in question was not mine either. I submitted all the related documents at the time of the dispute to Synchrony. Synchrony failed to investigate the dispute. They also failed to communicate to me their unwillingness to investigate/ or report result of their investigation. Rather they intentionally did not include this item in the minimum balance due for XXXX. For XXXX good years I was not informed the result of dispute filed. This amount also was not in my credit report until XX/XX/XXXX. 
On XX/XX/XXXX, Synchrony wrote me stating they will include this amount in my minimum due balance. They further proceeded to put it my synchrony revolving account balance which is being currently reflected in my experian credit report. I have had this card since XXXX and this extreme poor treatment of a customer is demoralizing. My current credit score is XXXX and Synchrony is bent on destroying my credit score. I have never had to pay interest on this card because I have always paid more in other to avoid interest. 
I will explore all legal options open to me and will report the same to the Illinois attorney General 's office. Please publish this report including bank name.
Product: Credit card

Account XXXX XXXXXXXX capitol one Card was Use Fraudulently. Bal was paid in full XX/XX/year> it was a XXXX balance..
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/2023, and noticed there were hard inquiries that didnt have a permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureau about this multiple times they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that dont have any purpose to be on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. I would like XXXX XXXX XXXX XXXXXXXX deleted because I have never received anything about this alleged debt because its FALSE REPORTING AND ILLEGAL & Im going through legal pathways with this company because apparently they are known for putting accounts on consumers credit report that are false and being rude and not providing information!!
Product: Debt collection

Repeated calls by the company after blocking them and reporting them. I have written notification saying that it has been 7 years and the debt is null and void.