23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XXXX/XXXX/2022 I opened an amex high yields savings account in order to use as a life savings, depositing 20 % from my my at the time job into the account. I left the company for a better opportunity which unfortunately was terminated due to my recruiter failing to properly process my onboarding, and in preparation for bills I attempted to withdraw my money from the savings. Without informing me they cancelled my withdraw and closed my account. I had been trying for weeks to get my money back and they keep refusing to mail me a check and state I must contact my former employer to reverse the funds. All contacts to my previous employer has proven unsuccessful. They refuse to listen and refuse to return my money. Apparently me depositing my own direct deposits under my name and then attempting to withdraw to a different account under my name raised fraud concerns and they are refusing to give me my money. I needed that money for my long overdue credit cards and bills and this bank just made the beginning of the year a living hell.
Product: Student loan

I am a co-signer on a Sallie Mae loan for XXXX of my children. I receive an automated call if the payment is past due, which is understandable. However, it has progressed that I am receiving an automated call on my cell phone and home phone 3-4 times per day. The calls come in succession, after my cell is called within minutes it calls my home number. The calls are answered if I'm available. I know they have voice detection because the automated message does not start to play until after I have spoken. The use of automated calling is unacceptable and a form of harassment. I have previously called and spoken with an account representative, their only concern was collecting a payment. In many cases the payment had been made on-time and not yet posted in their system.
Product: Credit card

In XXXX XXXX, I accepted a Balance Transfer/Cash Advance offer from HSBC for 0 % until XXXX. I understood that this only applied to the balance transfer and that purchases and fees needed to comply with minimum payments and the card interest rate. I expected this to be as other Promotions from other banks make monthly, periodic, or a balloon payment prior to the end of the term and no interest would accrue. Payment was made in XXXX for all purchases and transfer fees in full. As was not using the credit card and did not plan to pay the balance until XXXX XXXX or XXXX XXXX, no payments were made in XXXX, XXXX, nor XXXX. In XXXX I noticed, late fees upon late fees, interest charged on the late fees. I met at the branch to resolve the matter. HSBC reversed the fees and interest but with no notice to me closed the account and reported delinquency to the credit bureaus and changed the interest rate to 30 %. Now then, I am a " Premier '' customer and HSBC is refusing to rescind the negative reporting, refusing to reopen the account, and presumably has put the account out for collections. All of this with no communication to me. Up until XXXX I enjoyed FICO scores in the XXXX 's. Because of HSBC FICO is now XXXX. I have no problem to pay the balance immediately. Payments have been made XXXX, XXXX, XXXX, XXXX, and already XXXX has been paid. I demand the negative reporting be reversed. While it is technically true that payments were not made the explanation is true and valid. There is nothing written in the Promotional offer that states that the balance transfer amount will be calculated as part of the minimum payment due as with purchases.
Product: Debt collection

I 'm receiving a bill from a collection company Affiliated Acceptance Corporation stating an accelerated balance of {$1200.00} from {$410.00}. They are saying I need to pay nearly {$800.00} more than they originally stated I owed or this to be reported to a credit reporting agency monthly, I entered into a first 12 month contract for my granddaughter 's karate lesson. Afterwards it was to be monthly. My granddaughter was enrolled for two years when I enrolled her brother. After attending for a few months his father disappeared with grandson for six months. I informed the karate dojos of this and ask to have payments stop for him. Of course the payment continued and I never thought of this being a yearly commitment. I personally spoke with the person in charge and I understood to have payments stop. He assured me he would take care of this.Then later in the year my granddaughter decided she wanted to stop karate. Again, I thought since she was no longer attending the payment would stop. No, they did not, I file a complaint with my AG office. To find out the dojo is falsely stating that my granddaughter only recently started the lessons, and recent as a few months prior to her brother ... .that is not true. I can not see paying for something I am not using. I faithfully paid for my grandchildren attendance ... .never late. This is the tanks I get for being a good customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got off the phone with Transunion and got this resolved today ( XX/XX/XXXX ). Very shady - I had signed up last month ( XX/XX/XXXX ) on XXXX to get my free credit report, and nowhere on the site did it say that I would be charged a recurring {$27.00} fee by TransUnion.

I've been hit with a {$27.00} fee for two months in a row now, and I did not know why. I have no confirmation, receipt, email or official record that states I authorized such a transaction or what the transaction was for. I  called my XXXX credit card to dispute the charge but they were not able to resolve.

To resolve this issue, I called TransUnion. According to Transunion, I  had signed up for a monthly Credit Monitoring service - which I know I definitely did NOT sign up for. I demanded that they cancel the recurring service and that they refund me. They were only able to refund me for 1 of the 2 charges, which I suppose is better than nothing. It was way too challenging to resolve this issue, and it is a total scam that I never received any record of such a transaction. This is theft.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Experian for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove these inaccuracies, Experian has not fullfilled it's legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C 1681e ( b ) ) and conducting a proper re-investigation to remove these errors within the required 30 day period ( 15 U.S.C 1681i ( a ) ).
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, Equifax, Experian . These accounts needs to be removed immediately.

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, Equifax, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, Transunion, and Experian report.

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, Equifax, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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

XXXX XXXX XXXX : XXXXXXXX XXXX XXXX And XXXX XXXX XXXX : XX/XX/year> are both inquiries that where not made by me
Product: Credit reporting or other personal consumer reports

i filed the proper documents for identity theft with Transunion, XXXX, XXXX and the CFPB. none of the credit agencies have removed the inaccurate information from my credit report, but when i call, the agencies say that it is removed, but i can still see it on my report. i also flled my student loan dischage, I sent the proper documents through those same agencies, I also sent it to the CFPB, and the U.S department of education, and they are calling me and sending letters out after i filed the identity theft. I need this resolved please.
Product: Credit reporting or other personal consumer reports

I have written a letter to American credit acceptance asking to verify the accounts added to my credit report and have not received a response. I also asked for the account to be removed if not verified
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with XXXX XXXX XXXX. I used the Covid Cars Act to defer payments on the mortgage for three months beginning, XXXX of 2020. I sold my home for a profit in XXXX of 2020. XXXX was able to recover the back mortgage payments from the home sale. Even so, my credit score which was in the mid 700s ( excellent ) just before I took the deferral and subsequently sold my home, tanked down to the XXXX ( fair ). It is still there even though I have a 100 % payment history on my reports and minimal credit card debt. I have government backed student loans which were there prior to the deferral. I have reached out to the credit bureaus and to XXXX who have given me the runaround each time. I need this fixed immediately.
Product: Debt collection

I have written multiple dispute letters to XXXX, whoever they are, and they have sent me nothing in the mail at all! I thought I was entitled to the information that was being reported to the credit bureaus about me! I understand the holidays XXXX have caused some kind of mail errors, but not enough to stop them from sending anything to me at all! Since they've violated my rights, I'm complaining about them to you because I believe you retain proper jurisdiction over the matter. They have violated the FCRA by not sending me anything at all. DELETE THE ACCOUNT Immediately! HELP ME!
Product: Credit reporting or other personal consumer reports

on XXXX XXXX XXXX, I received an alert through XXXX XXXX that my credit scored dropped XXXX points. Then is when I started to pursue and see what was going on. I seen Navient hit my credit with a delinquency and a no payment for 90 days. I immediately called them, and they told me they were trying to reach out to me and send me mail stating i was on the verge to be penalized, but they had the wrong info. My phone number was wrong and also my address. its not fair that i never knew this. they have always had my info correct in the past. They had no way of communicating with me and advising me I was going to be penalized. Ive had this account open for several years and nothing like this has ever happened. I sent them a goodwill letter on XX/XX/XXXX and I will attach it with my claim explaining everything that had happen
Product: Credit card

On XX/XX/2024, I received a statement from Comenity Bank for XXXX XXXX XXXX credit card. I created an account on their online portal, but I was unable to sign in. When attempting to log into their online portal, the submit button returns you to the home page. I called their customer service 4 times over the course of 4 days, and all of the agents told me there was an issue with the website and it would be restored shortly. Its been over 5 days ( 4 business days ) and the website still hasnt been restored. I am unable to pay my bill.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT WAS CHARGED OFF ON THE FOLLOWING DATE MONTH YEAR OF FIRST CHARGE OFF SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGED OFF EVERY MONT. THIS IS AN UPDATE IN THE PAYMENT HISTORY .A CHARGED OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE HISTORY THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT. 

HAS VIOLATED MY RIGHT I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT CAPITAL XXXX XXXX XXXX XXXXXXXX XXXX XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for the unauthorized and unnotified reinstatement of a bankruptcy record on my credit report, which had previously been disputed and removed. This action directly contravenes the Fair Credit Reporting Act ( FCRA ), specifically the requirements for accuracy, fairness, and the necessity to notify consumers before re-reporting previously deleted items ( Sections 605, 607, and 611 ( a ) ( 5 ) ( B ) of the FCRA ). Despite the original dispute resolution that led to the removal of this bankruptcy record, it has been reinstated without any new evidence or prior notification to me, affecting my credit rating and violating my rights to fair and transparent credit reporting processes. I urge the CFPB to intervene to ensure that this record is investigated and permanently removed if it can not be verified, and to enforce adherence to all relevant consumer protection laws by Equifax.
Product: Credit reporting or other personal consumer reports

I got a XXXX XXXX card when I was XXXX XXXX XXXX and it still on my credit because they keep calling requesting money and thats been over XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

At the beginning of XX/XX/2022 an account with Net Credit was reported to the credit bureaus, this account was established in XXXX of XX/XX/XXXX. I have knowledge of this account. I contacted Net Credit Customer Support at ( XXXX ) XXXX XX/XX/2022, I started calling to get information on this fraudulent account. I have been calling for almost a month and can't get anyone on the line. After the initial introduction on the automated call there is nothing but silence on the line, I than sat on hold for over 30 minutes multiple times over the course of a week and a half with never being to speak to someone. I found a contact email XXXX on Net Credit website www.netcredit.com but was told they couldn't give me any information because the email I was communicating from was on the account. I replied stating I have no Idea what email or phone number is on the account because I didn't start the account. I sent an email asking for validation of the debt to be sent to my home address but have yet to receive it. Calling into Net Credit isn't getting me anywhere either which makes me feel like the company is a scam and does things like this all the time.
Product: Credit reporting or other personal consumer reports

Please review the documents I've sent as there should have been no late payment remarks on this accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a XXXX party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX XXXX straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX XXXX which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a XXXX step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint regarding the fraudulent information being reported on my file. I am a victim of Identity Theft and I have reported the Theft of my Identity to the FTC and attached a copy of FTC 's ID THEFT REPORT. It has been drawn out into the open that Equifax is not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. The account listed below is resulted from the Identity Theft and must be eliminated from my file : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 USC 1681 e ( b ) Accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure then maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of the information from the file of the consumer, or modify that the item of information, as appropriate based on the results of the reinvestigation, an ( ii ) promptly notify the furnisher of that information that has been deleted or modified from the file of the consumer. 
Please remove the following items from my report.
Product: Credit reporting or other personal consumer reports

HOME DEPOT/CBNA, is in violation of multiple laws set forth by Congress in regards to the following account # 's ending in XXXX and XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( HOME DEPOT/CBNA. ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( HOME DEPOT/CBNA. ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. HOME DEPOT/CBNA., can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from HOME DEPOT/CBNA. for the cancelled debt 's of { { {$820.00} & XXXX } } in order to file as ordinary income. Where is my 1099-C? HOME DEPOT/CBNA. is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! HOME DEPOT/CBNA. has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In HOME DEPOT/ CBNA. terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX XXXX AND XXXX are not affiliates of HOME DEPOT/CBNA. nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

You are reporting incorrect payment information for account SAMEDAY AUTO FINANCE XXXX. This is a clear violation of the FCRA. I will attach my credit report to show the inconsistent information being reported. I also sent dispute letters 5 months ago. The letters are dated, and time stamped and will also be attached for your reference. I do understand that each violation has a fine up to {$1000.00}. I will be seeking legal action due to negligence, pain and suffering, and many FCRA violations. I am requesting that this account be removed or updated to show my true creditworthiness.
Product: Mortgage

I had put in that I was interested in a mortgage with XXXX. I was inundated with emails from XXXX XXXX even though I never responded. He called many times until I finally answered. Although I told him I was not interested in a VA loan he would not let it go and I had to finally be rude and cut him off to tell him I was done with him. When a customer says they do n't want to do something then that 's where it should stay.