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

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau 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 bureau, as willful negligence and non-compliance with federal statutes. Please REMOVE the following accounts completely from my Credit Report : XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

on XXXX/XXXX/XXXX i used Western Union on-line services to send my son, who is in college, some money to eat because his food card did not have any money until the XXXX of XXXX. I wired him {$20.00} at XXXX so he could have dinner. I received a wire transfer number and was told that the transaction was under review and could take up to XXXX hours. It 's XXXX and the money still is not available for my son. He missed dinner because he could n't get the money. 
I 've sent money before and have received the same message but the money has been available no later than XXXX minutes. 
I 'm paying for money in minutes and the past several times it has taken XXXX hours or more. 
When I called western union, I was told it could take up to XXXX hours. UNACCEPTABLE. 
it 's false advertising, bait and switch and taking advantage of customers.
Product: Mortgage

ocwen is my mortgage company that is not my primary. they are the worst!!! this complaint is that when i moved they did not forward my change of address, so by the time i realized my ins had double, it was 3 months in. i found new company for ins and returned the balance insted of putting it to escrows they applied to other payments. i had made a call telling them i wanted it to go to escrows because then the payments would go back to normal. they did not i have been fighting with them since XX/XX/XXXX and now this is hurting my credit. i have a man named XXXX XXXX fromocwen who is suppose to be my consular, he agrees with me that that would have been the correct way of handling the return of ins. he was suppose to make them do that and get back to me. i have called and left a number of messages and he has not called me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX is appearing on my XXXX, Transunion and XXXX credit reports after paying XXXX dollars cash to my account in the XXXX XXXX, CA store to pay in full this account.I can not help it if XXXX employees are thieves and put this money in their pocket.There are cameras in the store and after a search of my records I can find the day I was there so XXXX can put their employee in jail and I can collect a court settlement for XXXX stealing my funds, destroying my credit and causing 3 bureaus to falsely verify this account.Do not delete this account at your own peril because I will have police detectives at your store if you do not remove this from my report now!
Product: Debt collection

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, XXXX  and unfair practices per section 1692f ( 1 ) adding additional amounts.
Product: Credit card

A credit card was added to my report that I never signed the contract for via Barclays Bank in Delaware. Ive never been to Delaware in my life and I never signed for this card. Im XXXX and I couldnt even apply for this card to begin with
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXXEquifax after I purchased a credit report with XXXX on XX/XX/2022, After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was erroneous reporting on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/2022 I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX XXXX XXXX Balance : {$27000.00} Late payment status late will be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Victim of Identity Theft. I did not Authorize these Accounts
Product: Mortgage

We paid our mortgage payment due on XXXX XXXX, 2016 as we always do ON TIME. 
Ditech Financial applied XXXX payments directly to Principal instead of the payment due. 
They have reported us as late to the Credit Bureau for the XXXX bill that was paid on time. We have called three times to get this rectified and they have not fixed the issue and reported us as delinquent on our credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my personal information and delete all of the accounts with errors which I have attached they are affecting my life and my chances of getting approved for a home loan
Product: Checking or savings account

XXXX payments with XXXX XXXX XXXX that I paid with my Bank of America account were duplicates. 1 of {$350.00} and another of {$86.00}. I contacted Bank of America on XX/XX/2023 before the duplicates posted and told them what happened. They told me to wait until it posts and they'll give me immediate temporary credit to offset the duplicate charges while they investigate and also waive the late fees if it makes my account negative. So on XX/XX/2023 the duplicates both post and make my account negative and they charge me with XXXX overdraft fees. I call in and explain the same thing I explained previously and the rep didn't want to help me and was annoyed I called about it. Said I could have disputed on the app. Then when she does it over the phone she tells me there will be no temporary credit for me and that. I'll have to wait XXXX days. I then spoke to the manager and she said the same thing and that there's nothing she can do to help. I was proactive with the duplicate charges to tell them and then lied to about the process on which they handled this. This is unacceptable and my account is going to be hit with charges daily until I get it positive now. I contacted XXXX again and I'm still waiting for it to post on there end and when it does they said they will refund it in my XXXX savings account which will take XXXX business days. Then I will have to drive to XXXX withdraw that money and drive to Bank of America to deposit. The problem with this now is that Bank of America is going to charge insignificant funds fee of {$40.00} a day I believe when they shouldn't as I was proactive and told them what happened with duplicate charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem : On XX/XX/2020 Experian alerted that 'Self-reported account deleted Your XXXX/XXXX  account was successfully deleted ' On XX/XX/2020 Experian alerted that 'Self-reported account deleted Your XXXX/XXXX  account was successfully deleted ' On XX/XX/2020 Experian alerted that 'Self-reported account deleted Your XXXX/XXXX  account was successfully deleted ' Result : On XX/XX/2020 Experian alerted that 'Score Decrease Your FICO Score has decreased by 17 points. 

Error : Experian error 102 unable for Experian to boost utilities Cause : Experian wrongly disconnected my bank XXXX after almost a year being connected. 

Misrepresentation by Experian : Experian  claims my bank XXXX not supported which is a lie because XXXX was already connected to Experian for almost 12 months and all my utility accounts recognized to boost score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent certified mail to these companies to request authorization from the following Companies : XXXX XXXX XXXX XX/XX/XXXX, $ XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX {$200.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$250.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$530.00} XXXX XXXX XXXXXX/XX/XXXX, {$300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$300.00} XXXX XXXX, {$230.00} XXXX XXXX XXXX XX/XX/XXXX, {$580.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, {$200.00} XXXX XXXX XXXX XX/XX/XXXX, {$500.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My grandmother died of XXXX in XX/XX/2020. I had put all my credit cards on autopay due to me being understandably preoccupied. 

And after that, I got an email saying I had a 31 day late payment on my account. 

I checked my account and I saw that I had in fact paid my Chase card on time. 

However, I noticed that my statement had XXXX ) the wrong home address, as I had moved XXXX miles away XXXX ) the wrong balance XXXX ) and the wrong authorized payment I have repeatedly called Chase about this issue, starting in XX/XX/2020. I have called and had in-person meetings about this every single month till today. During these calls and in-person meetings, I have been called XXXX slurs, and told that I'm a XXXX and a XXXX  by a receptionist at Chase ( XXXX XXXX XXXX XXXX XXXX but that didn't seem to protect me from discrimination  ). I've also been told to go back to my country, even though I was born and raised in America. I've had Chase employees make fun of my name, and told " XXXX XXXX XXXX is irrelevant to Chase 's policy on revising the information they send to credit bureaus ''. I filed multiple complaints within Chase about the abuse I received ; none of these complaints ever led to any change in employee behavior. 

Since Chase fraudulently claimed I was late on a payment, my credit score has plummeted. 

I called Chase Bank yet again today to ask for proof I missed this payment, and the person on the phone laughed at me, said " that's impossible because it was from 2020, '' and when I asked for her office 's mailing address, she hung up on me. 

Chase has no proof I missed this payment, has repeatedly discriminated on me on the basis of race, national origin, gender identity, and XXXX XXXX, and has refused to do report accurate information to the credit agencies. Chase bank needs to be held responsible I have included the Chase statement 's that have my incorrect address. I also included a receipt I got from an Illinois government affiliate, proving I lived in XXXX in 2020. And finally, I included the announcement of my XXXX  XXXX XXXX. It shows the funeral happening on XX/XX/2020, which is XX/XX/XXXX on the XXXX calendar. And I'm listed as a grandchild under the nickname she called me, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is a frequent flyer, regarding breaching the law. The information attached shows how they continuously break the law, and do not fix errors contained on the credit reports from an individual. They share information to people not authorized, and they try to confuse the regulators like CFPB, by saying they verified the authorization without providing any proof of that. 
I have had for almost 2 years a lot of fraudulent inquiries, since the XXXX  information leak. I have been notifying properly as the law dictates both Transition and XXXX, and neither one of those eliminate the unauthorized inquiries to my report. Even with the proof of the creditors asking to remove the inquiries, they simply neglect to take off all the inquiries that do not have any authorization from the individual. They do not provide any proof of verification, and CFPB is not doing anything about it. 
This complaint in addition to the previous, has the proof from a lot of those inquiries being retired by several creditors, and Transunion still does not fix the errors completely out of the FCRA timelines. 
Any economic damage to the customer ( ME ) will be ruled by a judge soon. CFPB I am providing evidence of the continuous breach to the FCRA by Transunion, please procede accordingly. Thank you!!
Product: Credit reporting, credit repair services, or other personal consumer reports

CORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX BELOW NOT CORRECT : XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX ^^^ NOT CORRECT ADDRESS ^^^ XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$27000.00} XXXX FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report. 
RemoveXX/XX/XXXX XXXX {$440.00} XXXX FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report. 
RemoveXX/XX/XXXXXXXX XXXX {$19000.00} XXXX FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report. 
RemoveXX/XX/XXXX {$1100.00} XXXX FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report. 
RemoveXX/XX/XXXX XXXX {$5300.00} XXXX FCRA violation. How is this verified? Not mine. Inaccuracies placed on my report. I will enclose in my attached documents, with wrong names, addresses on my report. 
RemoveXX/XX/XXXXXXXX, XXXX {$200.00} XXXX
Product: Checking or savings account

On Friday XX/XX/year>, my online banking was locked due to transfers I made. Rather than call to confirm, US Bank locked the account. I called and spoke with a representative who could only apologize ( despite me saying not to ) and say wait 48 hours. We are beyond 48 hours and I can not access my account. Emails to corporate on Friday and Monday were met with generic emails that passed the buck. I can not view any of my accounts with US Bank, including my two credit cards that had nothing to do with my checking account. Everyone just hides behind policy and email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found 3 fraudulent account on my credit report I listed the accounts not belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate dates keep refreshing and gaining interest the company JEFFERSON CAPITAL SYSTEM.  illegal refreshing tactic not accurate with the 7 year statue. also in the CFPB forums is the same common tactic used and complaint filed.
Product: Debt collection

The IRS requires creditors to issue a Form 1099-C when a debt is canceled or abandoned, in accordance with 26 U.S. Code 6050P. The account details are as follows : Account Number : The charge-off status noted on my credit report indicates that Pentagon Federal Credit Union has chosen not to pursue this debt further, thereby abandoning the debt. When a creditor ceases all collection activity, it is required by law to issue a Form 1099-C to report the cancellation of debt to the IRS. In XXXX XXXX XXXX XXXX XXXX, the court acknowledged the importance of reporting canceled debts for tax purposes, confirming that such documentation is crucial for both creditors and debtors.
Product: Credit card or prepaid card

Complaint I purchased an upgrade to my AMEX card based on the offer given to me, then AMEX did not honor the offer. 

In XX/XX/XXXX I received the attached offer to upgrade my AMEX Platinum card. I have been an AMEX member for +10 years, and my wife and XXXX daughters also have platinum cards. 
The offer was if I upgraded to the Delta Reserve SKYMILES Reserve Card and spent at least {$4000.00} over the next 6 months then I would receive a {$300.00} credit plus XXXX bonus miles. 
I called AMEX on XX/XX/XXXX and asked if a purchase I made over the prior weekend could count towards the {$4000.00} spending requirement to earn the promotion as offered. I was told that only purchases AFTER I selected the upgrade would count. On XX/XX/XXXX I called AMEX again, asked for the promotional offer, and upgraded the card. 

From XX/XX/XXXX to XX/XX/XXXX ( today ) I have spent over {$30000.00} on my AMEX card, which more that qualifies me for the offer. In fact, I exceeded the {$4000.00} requirement before XX/XX/XXXX. 

I began calling AMEX the week of XXXX XXXX to confirm that I had earned my promotion. Since that time I have spoken to numerous customer service people in the US and abroad, and supervisors int eh complaint resolution department. I was told that the {$300.00} credit had been applied to my account and that the XXXXXXXX XXXX were pending, but I never saw either transaction on my account. When I complained on this matter, I was told a customer service manager who could assist me would call me directly, and the call never occurred. So I would call back and the entire process would begin again with now resolution. 

Finally on XX/XX/XXXX I had had enough. I held on the phone for over 45 minutes until I could speak with XXXX, who said he was the senior resolution person who could handle my situation. He stated that I did not qualify for the offer and no credit or Sky Miles points were being given and that was the final position of AMEX. 

This is clearly bad business practices, and bait and switch to offer a false offer personalized to me in writing and then not offer the reward. I spent over {$160000.00} on my AMEX card last year, and I want the promotion I earned plus a formal apology from a senior member of the Corporation. 

Thank you
Product: Mortgage

My mortgage statement was dated XXXX/XXXX/2015. It was received on XXXX/XXXX/2015. This lapse of 9 days falls outside of normal postal delivery. I believe that actual mailing date took place on or about XXXX/XXXX/2015. The date on the statement should accurately approximate the date when the statement was placed in the mail.
Product: Student loan

I took out a student loan with Navient in 2007 to attend XXXX XXXX. Never gained any credits or anything from that school, because of them not being accredited made my attendance there worthless and the loan that they wanted me to pay back. I was flat out lied to. Navient denies loan forgiveness even though XXXX XXXX was sued for fraud and discredited by Department of Education. Not only that Navient has been sued for fraud in the same timeline this has happened. They did not help or give much choices, just you can postpone until you pay the amount. Both institutions were conducting fraudulent activities preying on low income. Which puts them in breach of contract. I need this removed from my credit report. This whole experience has put a burden on me and my trust in the education system.
Product: Credit reporting

I have disputed this account a couple times. XXXX falsely charged me back in XXXX resulting me to switch my service providers. The account was closed in XXXX. Years later, XXXX, reports to the credit bureaus. the information on my report says that they 'started reporting ' in XXXX ... not XXXX when the account was really closed. and it also states that it was closed in XXXX not true. I settled with them under the impression they would remove the file from my report. but now only are they refusing to, but they have since updated the info on my account as of XXXX. I am in the process of drafting a XXXX, if they will not cooperate and remove the closed and untrue file from my report. 

XXXX XXXX XXXX was the cell number. 
***********
Product: Debt collection

I filed an answer on XX/XX/2023 Discover claims I filed an answer on XXXX XXXX
Product: Debt collection

This company, the CBE Group, has been harassing me non stop though my phone is on the do not call registry and has been for years. I dont owe any debts. This company claims that I owe money, wont disclose amounts or information, and calls my phone morning and night, at least 5 times a day. They do not leave voicemails and non stop call even when declined. I need this business to leave my number alone. They call when I am at school and work and are very bothersome and disturbing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 at XXXX, I submitted a dispute with Experian XXXX XXXX XXXX for inaccurate information contained on my report. Credit bureaus say it can take up to 30 days for a response. 
Unfortunately, I received an email that my dispute was complete at XXXX on XX/XX/2021. 
I do not understand how this is possible. Was my dispute even sent to XXXX XXXX for review? It hadn't even been 1 hour. 
I called Experian today at XXXX to get clarification on how this is possible, and the rep told me that the dispute had never been sent to XXXX XXXX and a supervisor would contact me in 72 hours. 
I am EXTREMELY concerned about this behavior by a credit Bureau. They are responsible for the livelihood of millions, yet they place inaccurate data on our reports and do not perform properly when consumers reach out.
Product: Debt collection

In 2018 I was working with XXXX XXXX. I was given written approval of my financial aid for the semester. Then a year later I receive a collections notice. I explained to them I'd been working with a representative at their college on my account to resolve. I have emails to prove this interaction. They said ok and I forwarded this information. A year later I start to receive collections notices. I again reached out to no avail. I've made attempts to dispute and to show these emails again and still nothing. Now this is plaguing my credit report and impacting my ability to gain employment opportunities, build my business and beyond.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act convergent account has violated my rights. 
# XXXX XXXX XXXX. 
# XXXX CHILD SUPPORT ENFORCMENT. 
# XXXX XXXX XXXX XXXX. 
# XXXX XXXX XXXX. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, and I am submitting a complaint to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries and inaccurate personal information are being reported to the personal file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The Credit Bureau has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following Inquiries and inaccurate personal information are inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries and inaccurate personal information from my credit file. I need the following Inquiries and inaccurate personal information to be removed as soon as possible. XXXX XXXX XXXX  Date Updated : XX/XX/XXXX ; XXXX XXXX  Date Updated : XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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