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

XXXX XXXX : XX/XX/XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Dear Sir or Madam, I am writing to formally dispute the accuracy of information regarding a charge-off listed on my credit report. In accordance with the Fair Credit Reporting Act, Section 1681i, I request a reinvestigation and correction of the following information : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$550.00} You have validated inaccurate information and this account is hereby disputed. 
The information on this account being furnished on my consumer report in fact inaccurate. 
15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In generalIf, after any 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 promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Prepaid card

They sent me an email with promotion code of their prepaid gift card. When I used the code to make purchase and they declined my order for twice. I verified my information and they are correct. If they do n't want to sell me the gift card, why send me an ad email? I do n't know whether it is because I complained their service before due to their carelessness and unprofessional behavior. If your employee made a mistake to cause an inconvenience and loss of a customer, you should n't blame the customer complaint but should have tried to figure out how to improve your quality of service. I can not find any other company to provide prepaid cash card. If I can I would not choose Amex ever. I do n't know whether it is called monopoly. As there is only one company providing this service, they can do whatever they want to the customers and do n't care what they feel.
Product: Checking or savings account

The companies that are involved are chase bank and XXXX by XXXX XXXX. 
On the letters it said this all start XXXX and XXXX They all were savings accounts and transfers. I called both companies to let them know that I did not apply for any credit cards, nor did I open saving accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has received multiple letters certified with proof of debts that do not belong to me. They failed to send proof of validation and they failed to delete once its been proven not to be mines. I have debts on there that was removed years ago. They never stay current. Cant get information off of their website because it doesnt work properly. This agency is the only one lagging.
Product: Debt collection

I am writing to demand the immediate removal of a fraudulent inquiries account from my credit report. Upon reviewing my credit report, I discovered an account that is the result of identity theft and fraudulent activity 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 card

I previously had credit card accounts with American Express, all of which were in good standing but were closed by AmEx in or around XXXX or XXXX. AmEx stated the reason the accounts were closed was due to an " abusive '' telephone interaction with their customer service professional in or around XXXX or XXXX. I had an authorized user on my personal AmEx Delta Skymiles Gold card, XXXX XXXX XXXX, who was my legally married husband, who is now deceased, having passed away on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX and other causes. I share this information about XXXX XXXX death because he was the one on the " abusive '' telephone call -- not me -- that resulted in AmEx cancelling my cards. As a result of his mental illnesses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my AmEx credit card accounts were closed and canceled, he was responsible for the regrettable behavior toward the customer service professional at AmEx -- not me -- and I sincerely apologize to AmEx that this occurred ; all customer service professionals deserve to be treated with the same respect and professionalism they exhibit to us. Regardless of XXXX XXXX personal situation, the manner in which he spoke to the customer service professional was unacceptable, and unfortunately, I am not him, nor is he alive to speak for himself, so I can only assure AmEx that I am not the one who was responsible for that abusive phone call -- and I can also confidently assure AmEx that it will never occur again. I also request that AmEx understand that every customer 's -- and potential customer 's -- situation is unique, and that analyzing the situation from such a stance is beneficial to all involved. I have attached XXXX XXXX death certificate that substantiates my statements in this complaint. I am respectfully requesting that AmEx review and reconsider its decision to prohibit me -- XXXX XXXX XXXX -- from opening new AmEx credit card accounts, presuming I meet all other account-opening criteria. As I have said here in this complaint, as I have demonstrated by providing XXXX XXXX death certificate, and through my sincere apology to AmEx for the situation that occurred between XXXX -- not me -- and one of their customer service professionals, along with my assurance that such an encounter will never occur again in the future. I respectfully ask that AmEx remove my name and other data from their " banned '' list and allow me to open new credit card accounts with them, again presuming I qualify from a creditworthiness perspective.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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: Debt collection

I sent correspondence to UNITED REVENUE CORP ( URC ) concerning medical bills that were the result of ID Theft. I receive no reply/response and in a follow-up call, URC claimed they never received my letter stating that I wish to dispute the collections claim. There are four ( 4 ) different bills that are under the name of XXXX XXXX, however my legal name by which I go by is XXXX XXXX XXXX XXXX, to which I DO NOT abbreviate due to past cross-referencing. However, my DOB and SSN have been attached to the fraudulent abbreviated name and has caused great confusion when verifying/validating the accuracy of the medical bills. 

URC claims that I have had services rendered at four hospitals on four ( 4 ) different dates. This corresponds with the same time of the date range that correlates to my ID Theft, as I continue to uncover more ID Theft incidents. 

With URC, I sent a letter disputing the claims they have on record and never received a response. On the follow-up call, I was verbally informed of dates, and medical record id numbers along with the hospitals and dates where the services were rendered. This was specifically requested in writing to establish dialogue and updated information so that I could receive written responses. 

Per URC, I contacted the hospital and they referred me back to URC for resolution. I requested for a formal affidavit form to dispute and URC does not provide such forms or process for victims of ID Theft. However, in my original correspondence, I attached a notarized Affidavit of ID Theft along with other documentation to begin the process, yet URC is using tactics to discourage and abuse opportunity to gather information on the collections accounts and a clear process that entitles me to remedy my injury ( inaccurate information on my credit report ) as the result of the ID Theft. 

Also, in the conversation, they indicated that their fraud Department would determine the validity of my claims, yet also informed me that the original company to which they bought the collection medical bills would have to be the entity that proves I did not utilized medical services ; when I contacted the originating hospitals, they referred me back to URC. 

My concern is that my rights to obtain information about the collection account is being purposefully impeded by URC through their collection process and obligation to provide requested data. In addition, their 'investigative ' process that was explained to me, is contradictory and has an element of subjectivity that allows URC to report inaccurate information. These factors only further the injury to me and my reputation due to an inaccurate credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX mortgage lender tried to pull my Equifax credit report and score. They were unsuccessful. On XX/XX/2019, XXXX XXXX and I attempted to resolve the issue with Equifax but was unsuccessful. I was informed that there were no issues. On XX/XX/2019, I called 3 times and spoken with 2 reps and 1 supervisor and they claim that there are no locks, blocks or freezes on my file, but yet I can not pull my report and score with XXXX, XXXX  ( their 3 bureau service ) nor Equifax and XXXX XXXX nor my lender has still not received my score and report. In fact, I can not even log into my Equifax online account. Something has to give. This is ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to submit a dispute letter online to Experian on XX/XX/2021 and today XX/XX/2021 regarding inaccurate information on my Experian Credit file, and they are saying that I can not file a dispute. The inaccurate account listed is XXXX XXXX XXXX ... .this account is not mine and needs to be removed from my credit file immediately! 

Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am becoming more and more frustrated I have been trying to remove this fraud alert for some time now. You all have been ignoring my request via phone and Transunion site. I am not able to obtain internet service or any necessary items via credit because of this. I provided you all with identity verification multiple times. If this fraud alert is not removed immediately, I will seek litigation. Your company 's unprofessionalism has cause me pain and aggravation to the highest degree.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian claimed to place a security freeze on my credit based on another CFPB complaint due to fraud in XX/XX/2018. Experian never mailed me a PIN number. Through the online system, i could tell that no freeze was placed. I filed a second CFPB complaint that seemed to work - the online system verifies a freeze in place. The issue is that Experian has not sent me my PIN through multiple online and 2 separate mail attempts since XXXX to retrieve or prompt for the PIN. Online attempts say that they are unable to honor my request and to mail the information in. I have sent the mail format along with requested documentation in twice! I am unable to get in contact with anyone at the company to assist with identity verification so that I can retrieve my PIN.
Product: Consumer Loan

I have multiple inquiries on my equifax report from a XXXX XXXX all of which are impacting my credit report and if they ca n't be removed, I would like for them to be combined into XXXX inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting my XXXX XXXX Account inaccurately. The errors are noted below and seen in Exhibit A : *Worst Payment Status : 30-59 Days Late *Times  30/60/90 Days Late : 3/0/0 *XX/XX/2018 Late Payments are shown for the months of XXXX, XXXX and XXXX XXXX XXXX XXXX , our mortgage servicer, made terrible mistakes on our mortgage account. We tried everything to have them correct their errors, however they completely ignored every request we made. Finally, we contacted XXXX and told them of the inexcusable errors they were making in addition to their repeated ignorance of our many requests to correct the errors. XXXX intervened and the errors were corrected. 
I have disputed the above inaccuracies to Transunion. They advised their investigation was complete, however, they returned the same credit report, with the same errors as before. 
I have enclosed the Complaint to CFPB about XXXX ( Exhibit B ), their response ( Exhibit C ) and our Feedback ( Exhibit D ). Please note XXXX statement in their response, that all errors have been corrected : We have also waived all fees and late charges associated with the issue. We amended the credit for XXXX XXXX for the months of XXXX, XXXX and XX/XX/2018which is confirmed in the attached response to a duplicate complaint that you sent to our Customer Care Department. 
I have also enclosed Freedoms letter dated XX/XX/XXXX ( Exhibit E ) that is referred to in the paragraph above. Please  note the following statements : After reviewing your account, our research confirms an update for XXXX XXXX XXXX has been completed with the four national credit bureaus to reflect the loan as current for the months XXXX, XXXX, XXXX and XXXX, XXXX with XXXX XXXX XXXX. Our update was made manually through our updating system XXXX, which provides our borrowers with an AUD ( Automated Universal Data ) tracking number for the changes made. Please utilize AUD XXXX reference this update. 
We understand you received a monthly billing statement advising a past due amount. An update has been made to include the balance into the completed modification. An incorrect delinquent interest was used during the process of billing statement in which we have corrected. Also, we have waived the previously late fees assessed as well as the additional fees accrued toward the account. 
It appears Transunions investigation did not meet the standards required by law. In addition, we understood the corrected credit report would be re-sent to any creditor requesting same within the last six months and that Transunion would communicate the corrected errors to the three other credit reporting agencies.
Product: Checking or savings account

Charged {$35.00} overdraft fee even though account was not overdrawn. 3rd time it has happened.
Product: Mortgage

I was unemployed during Covid however I spoke with BSI financial that we agreed on making payments they told me they will send me packet to sign which I did not receive then though I started going back to my job since XX/XX/XXXX my hours were but I was making lot less then during Covid time my husband also got XXXX, but he recovered, o was the only person working I didnt ah w enough money to pay bills and fees my family I was going through XXXX I went to see a doctor an s they have me XXXX XXXX my helath condition was bad then back howm my mom got Covid and she was hospitalized I rushed to go back home as my family sent me plane ticket during that time XXXX XXXX XXXX XXXX called and I explained her my situation she assured me once I get back she will call me and I can start making payments I came back and on I tried calling her an sNSI they kept me on hold and since then they did not call me back I was never got hold of XXXX I kept emailing and calling her and bsi customer service that I want to start making payments instead of responding to me they sent me letter for fire closure they didnt try to resolve my loan issue I dont want my house to go on foreclosure Im ready to pay I have no idea where to go I never got this kind of issue I have been home owner since XXXX and I was nit even late on single payment this is the new house o got as I sold my old house due to divorce and I could not afford big house Ive been struggling with divorce and nit Covid please help me and have my Morgatge company resolve my issue, o could nit get hold of my Mortgage instead they just keep sending letter but never get to talk to real person Im on FHA loan I should get help from them too please help me Im desperate I cant lose this house. This is the last hope I have. Im trying to work and survive barely getting back on fy feet and this situation is again stressing me out. One of the worst morgage I had to deal with so please have them call me and resolve this issue. Thank you all not understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed a XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX, NV XXXX ) credit card account with a {$0.00} balance in XXXX of XXXX. When doing so XXXX XXXX held the account open charging an {$8.00} fee every month AFTER the card was closed. They acknowledged the error and said they would report it to the credit agencies showing a {$0.00} balance with NO LATE PAYMENTS in which they have failed to do. This account was closed with a {$0.00} balance and was never late. I don't have one late payment on any one of my 7 credit cards and would not of let one be for {$8.00}.
Product: Credit card or prepaid card

I have worked hard to establish a credit score and history since moving back to the XXXX from XXXX last year. Initially, I was rejected a few times and then I learned that it's because I had to start from scratch so I did that by using a secured credit card to a point where my credit card usage was healthy and my score strong enough that the card eventually turned into an unsecured card. 


Shortly after that, I applied for a Chase credit card and thankfully I was approved. And in fact, recently I applied for my wife to be added as an authorized user and that was approved and my wife started using the card a few days ago. 


I've been using it responsibly, in fact more than responsibly as whatever I spend, I've been paying it off the moment it shows up on my account and hence have maintained a credit usage of 0 % since receiving this card in XXXX. 


Yet, I got a strange message earlier today that my Chase Freedom credit card was removed from XXXX Wallet without warning and then when I checked my Chase app, it said that my credit card was closed. I then called the Chase credit card customer service and when I spoke with the agent, the explanation that I was told was that my credit history was not long enough and that there were too many recent inquiries. 


On the latter, I guess technically there have been a recent inquiry as I recently applied for the Amazon Prime Visa Signature card but that wasn't because I was needing credit. It was simply to take advantage of the 5 % cash back. However, other than that and the XXXX Card for which I was approved, I have not had any inquiries since last XXXX when I had applied for a lease for my car. 


Credit history also doesn't add up because I have a credit history with a good score that I'm continuously building. And I have made sure that I carry a {$0.00} balance on all my credit cards. In fact, I even sometimes pay more than my monthly lease so that I can pay down my car lease quicker. Especially with my Chase credit card, I have paid my balance the moment it comes up and so I have had a {$0.00} balance pretty much every single day. In other words, I've been a super responsible user and yet to without warning, be told that my credit card has been closed for reasons that make no sense is unbelievable. 


I have a high, steady income and if you consider my savings account and my investment account, all with Chase, plus the fact that I pay off my balance pretty much daily, there is no logical reason why I'm deemed a risk in any respect and I can not accept as to why my credit card was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax I'm not sure what kind of company this is the customer service representative barely speak the English language I tried too access my credit report they would not verify me my SSN XXXX dob XXXX till this day this poor excuse for a company will not verify me after sending my SSN driver license and electric bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed the private and personal information of 143 million Americans, myself included, to be compromised and used for illegal purposes. Equifax has not offered acceptable response or solutions to this immense national problem that they have caused. The FTC has not help protect the affected consumers. The FTC has not mandated action by Equifax ; has not punished Equifax, and has not required Equifax to pay restitution to the 143 million Americans. The FTC is broken and does not protect Americans from this sort of corruption. 

If the FTC will not protect us from unscrupulous corrupt companies, like Equifax, who will?
Product: Debt collection

XXXX XXXX XXXX was garnishing my wages through the court. I paid in full, and my wages have been garnished twice now since the payment has been received, even after being informed that payment has been submitted. The company has had XXXX business days to procure a release and has failed to do so.
Product: Student loan

I applied for a student loan re-finance with Earnest. They are advertising a 3.5 % APR as the lowest fixed rate. I earn well into XXXX, have a XXXX XXXX, no other debt other than a 2015 car with a loan of approximately 50 % LTV and a {$1200.00} mortgage, 10+ years of work experience, XXXX XXXX with no late or negative information. They offered me over 5 % as the best APR, which is congruent with the non-fintech market rate. I firmly believe that this company is engaged in false advertising of the 3.5 % APR. The explanation for the credit offering of 5+ % did not hold water, given the aforementioned credit basis. The only resolution that I will accept for this inquiry is a disclosure of what percentage of applicants are being offered the optimal 3.5 % fixed APR. Earnest refused to disclose this information ; I will continue to escalate this through Congressional inquiries if that information is not released.
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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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.