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

I disputed to Transunion an account that was charged off on my credit report ( XXXX XXXX XXXX ) which makes it an income account that's not supposed to be on my credit report. I reached out to Transunion about this with the dispute department and I went over it and ( XXXX XXXX XXXX ) is still showing up on my credit report? This account is " Charged Off '' by the company which makes it an income account when they did this and from my understanding is not supposed to be on anyone 's credit report. I have disputed this account again today with Transunion telling them to remove this from my credit report immediately for a second time. I have also reached out to XXXX XXXX XXXX requesting a 1099C be sent to me which they refused to send me one while I was talking to one of there agents on the phone in XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX : # XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

My all americanexpress accounts were closed on XX/XX/2021 by Amex per the business decision, no appeal is allowed and my XXXX XXXX rewards points can not be redeemed. I have been using Amex for almost 10 years, without any bad record, spent a lot every year, really want to get my rewards back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am uploading proof that the XXXX XXXX XXXX account was deleted off my XXXX   credit report. Experian and XXXX still have not deleted it off my credit reports. This information does not belong and is supposed to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN broke the law. As you can see in both documents attached I was denied for XXXX XXXX credit cards I applied for. Both denial letters stated that they denied me because the credit utilization on account that were furnished by EXPERIAN were too high. Pursuant to the XXXX, Credit Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Key word ASSUME. Because EXPERIAN assumed the role and reported information I never gave expressed written consent to be furnished on my credit report and file, I was denied credit that is my birthright to receive, violating XXXX XXXX XXXX ( XXXX ) ( XXXX ). XXXX XXXX and XXXX XXXX 's denials have caused my life much emotional, mental and financial stress. EXPERIAN has violated my rights as a federally protected consumer under XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts on my credit report that do not belong to me. I have recently reviewed my credit report from your agency and was dismayed to discover several accounts that appear to be the result of identity theft. These accounts have been reported under my name and have had a negative impact on my creditworthiness. 
Below are the details of the fraudulent accounts that I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me, and I have never had any association with them. I believe my personal information has been compromised, leading to the misrepresentation of my identity. I have taken immediate steps to report this identity theft to law enforcement, and I have also contacted the affected financial institutions to inform them of the fraudulent activity.
Product: Money transfer, virtual currency, or money service

{$400.00} and XXXX at XXXX And XXXX I was trying to withdraw money from the ATM machine and the money didnt come out. The ATM machine boat was taken from my account and I reported it on both ends and I still didnt hear anything back. and this happened on XX/XX/2024.
Product: Credit card

I signed up for the Amex Gold Card and added two additional cards using two different offers ( XXXX for a XXXX bonus with a XXXX XXXX spend and XXXX ). However, upon meeting the spending requirement for both additional cards, I only received the bonus for one. When I reached out to customer service, they incorrectly explained the following : The maximum you can earn as part of this offer is XXXX Membership Rewards points. 
Purchases made by other Additional Card Members on your Account will not count toward the {$2000.00} purchase requirement. 
Purchases made by eligible Additional Card Members will not be combined to satisfy the {$2000.00} purchase requirement. 
Your purchases as the XXXX XXXX XXXX will not count toward the {$2000.00} purchase requirement. 

This explanation is fundamentally wrong since I have repeatedly explained that I used different offers to add the additional cards. Therefore, I should receive two separate XXXXXXXX XXXX  bonuses.
Product: Debt collection

I sent a letter to Caine and Weiner Company Inc on XX/XX/XXXX certified mail and I never got a response. 
USPS # XXXX They are attempting to collect an alleged debt I do not owe. 
They are not even licensed in New York State and pursuant to New York regulation rules states that a debt collector have to be licensed in New York State to even attempt to collect any debt from a New York City resident.

15 u.s.c 1681 section 602 A States I have the right to privacy.
Product: Credit reporting or other personal consumer reports

My student loans with XXXX have been forgiven since XXXX but Transunion is still showing that I have the loan balance
Product: Credit card or prepaid card

XX/XX/23 for {$170.00} this amount was taken out of my account twice instead of once and deducted from my checking twice but only applied to my credit card once. When I contacted the bank, they said I need to file a dispute. I filed a dispute explaining that double amount was taken out but not applied so Id wait her like it applied to my credit account or reimbursed to my checking. They declined the dispute saying I couldnt dispute it. They stole a double payment for me, told me to file a dispute, which I did and showed transactions which I attached as proof, and then denied any action could be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per mandatory by the FCRA 611 ( 15 u.s.c 1681 i ) consumer reporting agency shall notify the consumer of the REINSERTION in writing not later than 5 business days after REINSERTION.I WAS NEVER NOTIFIED OF THE REINSERTION!

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Violation of The No Surpise Act!

UNAUTHORIZED INQUIRIES THAT WAS MADE WITHOUT MY CONSENT! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, I am writing to complain that my Citi credit card has been fraudulently charging my credit card for the Payment Safeguard program that I never signed up for. I just realized this in XXXX of 2019 when I was looking over my credit card statement through the Citi app on my phone. When I realized they have been charging me for this service I called and had them immediately cancel this service. I then asked them how long have they been charging my card for this and come to find it has been for almost 8-10 years. So I said I never signed up for this and would like them to refund me my money. This was my fault for not seeing this on my statement but then again I never have received a statement from them either. I just know when my payment due date is and always would call the number on my card and make my monthly payment. So long story short I called back and spoke to a manager who said that they will look into this and I will receive a letter in two weeks with their outcome. Well after doing this at least 4 times I did not get anywhere and kept getting the run around each time being transferred to a company in Texas that handles the Payment Safeguard. I asked them to provide proof of me signing up for this when at the time I probably had a {$100.00} balance in which I would not need any help with makign this payment due to the minimal amount of my payment. I can handle the low balance and I had job security so I never signed up for this service ever and it would of made no sense for me to do so to begin with. So to this date I keep going back and forth and the last response was that they could not provide proof of me signing up for this service. So my question is why do they not refund me all of the money if they can not prove I signed up. I did not sign up for this and am demanding a refund for all of those years of them charging me per month for a service I did not sign up for. It is a complete scam and have to say I am not happy one bit.
Product: Debt collection

JEFFERSON CAPITAL SY has put a collection of {$12000.00} on my credit report on XX/XX/2018. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

my account with XXXX XXXX XXXX Acct # XXXX is reporting as late on all 3 bureaus. 
In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX XXXX has violated my rights 15 USC 1681 sec 602 states : I have the right to privacy.

15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states : A creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.
Product: Checking or savings account

Comerica Bank on XXXX XXXX bad service. I went to cash my check only to find out 20 minutes of waiting I cant cash it. They had me wait just to tell me they cant cash the check. I was profiled of having a fake check.
Product: Credit reporting

I have XXXX student loan accounts with XXXX. I did not realize that payments started on them because the notifications were going to a former email address and I began to accumulate late payments. When I pulled my credit report and saw the payments, I contacted XXXX and spoke to them about removing the late payments. I updated my email account and my loans are currently in forbearance. I asked them how soon would my credit report update the current statuses of my loans and they told me that since it 's updated on my loan accounts immediately that my credit reports should update as well. I took no chances so I printed XXXX copies of all XXXX accounts along with a credit dispute form and a letter requesting an immediate update of my accounts and certified mailed them to XXXX, XXXX, and Equifax. Within 10 days XXXX app notified me that my accounts were updated on XXXX, and XXXX, but not Equifax. So I called the company and got connected to a very rude agent. He pulled my name and verified that all my documents were in their system. Again, Equifax has my proof that my XXXX student loans are no longer reflecting as late. The agent proceeded to tell me that they are waiting for XXXX to confirm that my accounts are no longer showing late balances. I called XXXX and they told me that they did their part and Equifax has the power RIGHT NOW to update my account. I feel like I am being victimized by this company because I did everything to rectify the situation and if XXXX and XXXX updated my credit reports with NO PROBLEMS, why ca n't Equifax do the same? I have the certified green card with the company stamp as proof that they received my updated information.
Product: Prepaid card

I got 2 gift cards from vanilla gift card. Both had {$500.00} dollars on them. When trying to make a purchase, neither of them worked so I called them and they told me they both had a full balance still. Although they had a full balance of {$500.00} they both got declined everywhere I tried to use them. 
At this point I requested a refund on both of them as I didnt want to deal with the trouble. They told me to send documents such as pictures of the cards as, and the receipts and the cases of the gift cards. I sent this information to the email. They provided to me and followed up shortly after. When I followed up, they told me that they had not received the documents although I received an email confirming that they had received the documents. This process repeated for a few weeks and we went back-and-forth. I would send the documents and they would tell me they didnt have them. Finally, after escalating the case multiple times, they said they had received the documents over a month later. At this point I kept calling to see if they had send out the checks for the refund of both cards which they said would be sent to me. Every time I called, they told me that they were still being processed and that they were working on it and I should have it shortly. I called about a week ago and they told me that the checks should be in the mail within the next week. I called again today and I was told that the checks were sent out on XX/XX/XXXX and that they would escalate the case in contact USPS because I never received them, I believe that they are trying to keep this money from me or dont intend to send it every time I have asked for some formal written proof that theyre doing what they said they refused to give this written documentation. I even asked if I could speak with someone higher than the supervisor or if I could speak with their backend and they refused to let me speak with anybody else when I asked where I could file a formal complaint they also refused to give me any link or to file a complaint. Theyve done everything that they can to make sure that I do not receive this money or theyre trying to make it so difficult that I just give up and choose not to get the refunds. This is not an option for me they owe me {$1000.00}, and I do not have that kind of money to just throw away. 
Thank you for your help. I truly hope this can be resolved.
Product: Mortgage

The mortgage was in my father 's name but he passed away in XX/XX/2019. It took almost a year to get my mother named as successor of interest completed with US Bank. We also included XXXX of Attorney which allows me to act as my mothers representative. US Bank calls me continiously but there is usually no one on the other end. It's simply their computer calling my number but no agent. There was an agent today named XXXX. She asked to speak with XXXX and I explained that he had passed and my mother was the SOI and I had POA for her and this had been in place for over a year. She stated that US Bank has no record of this and instructed me to send in a death certificate. As I have already done this, I don't know what else I can do. The also went to her house when she wasn't home and taped a letter to the door addressed to XXXX XXXX who is deceased.
Product: Credit reporting

Equifax continues to list us bankruptcy ct FL XXXX on my credit file This does n't belong to me Not my public record Never mine
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDCO XX/XX/2017 RE : Request for ivestigation of Unauthorized Inquiry I check my personal crdit report and found an unauthorized credit inquired with your bank information i haven't give the authorisation to any institution to check my credit. I request the you initiate an investigation to determine who authorized the credit inquiry. If, once your investigation is completed and you find my allegation to be true, please remove the unauthorized inquiry. if you find the inquiry to be valid, please send me a description of the prosedure used in your investigation within 15 business days of the complition of the investigation. 
Thank you : XXXX XXXX XXXX
Product: Mortgage

The morning of the sheriff 's sale I had gone in and given a matcheck that was more than I was behind on I have a signed receipt of that. It was XXXXXXXX XXXX XXXX XXXX  and I don't think the house went to auction until afternoon but yet they still sold it.
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my credit report, I am not happy to see credit inquiries that I did not recognized. My personal information was impacted by Equifax data breach, someone has access to my credit and its ruining it.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXXXXXX balanced {$3000.00}
Product: Credit card

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX has reported to XXXX  on XX/XX/XXXX that " my '' account was Over or At Limit. I received this notice on XX/XX/XXXX. XXXX XXXX XXXXXXXX and charged-off this account several years ago. This lender has already received tax write-off losses, and XXXX has XXXX bankruptcy on their own creditors. Yet, I am put under emotional and physical duress by XXXX sending me non-stop alerts from XXXX XXXX stating that I am at or Above " MY '' credit limit. I have spoken with via phone with XXXX Bank collections department AND XXXX, and I am told they can report this information as " accurate. '' I am stating unequivocally that this practice is in violation of the Fair Credit Reporting Act. 

The inactions of XXXX Bank in no way reflect the true status of this account. When I recently contacted XXXX XXXX their XXXX stated the reporting would be removed in XXXX of XXXX. However, they continue to report a CLOSED ACCOUNT AS OPEN.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ABOVE ACCOUNTS/INQUIRIES WERE NOT AUTHORIZED.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of 2020, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across three bureaus. XXXX  shows XX/XX/2020, and Transunion has XX/XX/2020 and XXXX  HAS NOTHING CHANGE! Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 

Account Name : XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. 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. XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please refer to the attachments pertaining to the equifax data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries that I did not Authorize on my report
Product: Mortgage

I have a group policy with XXXX which covers all the real estate we own. We pay the policy since it covers a number of properties. XXXX service only one of the properties. We forwarded a copy of the declaration with all of the properties listed approximately seven ( 7 ) months back showing the property they service is included and insured. XXXX took it upon themselves to send a check to XXXX of {$3300.00} for the total premium and then initiated another escrow analysis increasing our payment. The premium for the property serviced by XXXX is {$400.00} of the total premium. I returned the check to XXXX and requested that they void this new escrow analysis. They will not address this error but continue to request a payment increase stating I am behind in payments and threatening foreclosure. In addition to not addressing and correcting this error I was given instruction on how to request a waiver of escrow which they granted XX/XX/XXXX. XX/XX/XXXX statement there was {$1600.00} in the escrow account. XX/XX/XXXX escrow balanace was {$5700.00} and XX/XX/XXXX statement escrow {$5900.00}. After agreeing to waive the escrow, our payment was adjusted to {$910.00}. XX/XX/XXXX XXXX began applying our payment {$940.00} as partial payment. Which we never adjusted because we expected the difference to be applied to principal. Thats not happening. After waiving the escrow we was refunded {$960.00} from the escrow account XX/XX/XXXX. What happened to the {$3300.00} returned to XXXX and why am I in the rear on my payments when I am faithfully sending my payment monthly. What happened to the {$5700.00} that was in escrow? I understand {$3300.00} was reapplied to correct the {$3300.00} that was errorously mailed to XXXX - where is the difference? They will not talk about this error but continue that we are behind in payments and we continuously send {$940.00} monthly.
Product: Vehicle loan or lease

I have been current with my car lease payments ( XXXX ) up to this month XX/XX/2020. This month due to the coronavirus pandemic I have suffered a loss of income. This will make it impossible to continue to be up to date on my payments. I contacted Hyundai Motor Finance on XX/XX/2020 before my XXXX payment was due ( XX/XX/2020 ). I asked the representative for a forbearance plan in accordance of what they advertised they were doing for their customers. In giving my information, I was asked if I suffered a partial or total loss of income to which I stated a partial loss. I was immediately told I didn't qualify that they were only approving total losses. I feel they are using discriminatory tactics to avoid helping customers. I don't believe that any where in Federal government guidelines ( about forbearance during the coronavirus crisis ) does it state that customer 's loss of income should be based on total or partial loss. Additionally I believe that Hyundai does not mention it in their advertisement. I have also filed a complaint with Hyundai vial email today. Since they have not allowed me to set up any type of forbearance plan and today ( XX/XX/2020 ) is past my payment due date my credit report will show I am delinquent on my loan payment. Hyundai has placed a financial burden on me and negatively affected my credit rating..