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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX
Product: Checking or savings account

A checking/savings account was opened at TD bank online with my SSN and DOB no other information was requested at the time the account was opened. I went to a TD bank and they informed me that the account was opened with my information and and email address that was not mine. The email used was XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... PROFCRJONSBO ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

Wakefield and Associates is reporting a medical debt from XXXX for a person who is formerly my step-child. 

I was divorced on XX/XX/XXXX and I have no obligations for the debt of a step-child from a former marriage. 

I contacted Wakefield and they could not provide an estimate of how long it would take before they made a decision if this would be removed from my file.
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Inaccuracies in Credit Report I am reaching out to address discrepancies present in my credit report, which your company has published and has led to my recent credit denial. The information in question pertains to the following accounts : Under 15 U.S.C. 1681i ( 7 ) Method of Verification, this account is in violation, reported without valid evidence : XXXX Account Number : XXXX Please remove it from my credit report I want to stress that I did not provide written permission or instructions for these specific transactions to be included in my consumer report. I formally request the blocking and deletion of these accounts, and I emphasize that this request is not in error and is not based on any material misrepresentation of facts concerning the request for blocking these transactions. 

Your company seems to be in violation of the law, as outlined in 15 U.S.C 1681a 2 ( A ) ( i ), stating that a consumer report should not include : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' The law explicitly states that XXXX making the report should not be included in my consumer report. Utilization, as an experience related to the line of credit extended between the consumer and the reporting entity, should not be included in the consumer report, as clearly stated by Congress. 

I insist that you update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Additionally, I demand that you provide all documents on which you are relying for reporting accounts ( 1 ) and ( 2 ) mentioned earlier. This request aligns with your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), granting consumers access to these records. The information you are reporting is damaging my reputation and adversely affecting my creditworthiness. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verify these accounts. 

Apart from the removal of erroneous and unverified information, kindly remove all non-account holding inquiries over 30 days old. According to XXXX 's XXXX XXXX, XXXX XXXX, 1990, " verification '' is defined as " confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition. An affidavit of the truth of a matter stated, and the purpose of verification is to ensure the good faith of a party 's averments or statements. '' Failure to respond satisfactorily with the deletion of the above utilization & inquiries will result in legal actions being taken against your company, and I will seek {$1000.00} per violation for : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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

I recently received my credit card from navy federal containing a credit limit of XXXX. I went to the atm to pull XXXX dollars in cash and was denied and tried again for XXXX dollars to no avail. I contacted navy federal, and they said everything was good on their end and to go try again at another atm and I did just that. I tried pulling cash again and all requests were denied. I tried to make a purchase and there was a fraud alert that I acknowledged it was me who made the transaction. I called navy federal and was directed to the fraud department and was on hold for over an hour just for them to tell me they will not reactivate my card or authorize my purchase because of the current statuses of my other accounts, an overdraft, too much suspicious activity from my doing and claimed that " I was running up my card ''. I just want to replace my broken refrigerator for my family. my bank account status for navy federal is displaying " Your account information is being provided for informational purposes only. Providing you this information is not an attempt to collect a debt. '' Due to this status, NFCU understands that my account status is not a factor in using my credit card that NFCU approved. the entire time I was trying to resolve this issue, the customer service reps were very shady and reluctant to give me situational updates, navy federal is depriving me of my consumer rights, and I want a speedy resolution. I will be filing a federal lawsuit against NFCU along with other consumers experiencing the same unfair treatment consisting of constant Securities fraud and numerous consumer rights violations.
Product: Debt collection

These people call numerous times almost daily claiming we owe XXXX money. My husband nor myself has used XXXX in XXXX years and have never received any communications from XXXX nor this Allied International Collection Agency. I have repeatedly told them not to call because we do not owe the money and requested things in writing, to no avail. This has been going on well over a year and it has risen to the level of harassment. Not only is it not on our credit report, my husband and I are planning to buy a home and have been working to build credit, so I know this does not appear on our credit reports. If it were a real debt, we would have paid it before going to collections and would have known about it long before now.
Product: Credit reporting or other personal consumer reports

I applied for prepaid credit card back in XXXX ( XXXX  prepaid credit card ). I add the amount of {$300.00}. I didn't use the card at all. this company failded to send me any statment and also never answer their phone calls. i found out about fraud acitivities on my account, i tried many times to call them. they never answer or calls back, until I emailed them on XX/XX/XXXX about those activities. so Issue me back a provisinal credit until they are done with investigation. meanwile i requested to close my prepaid credit card and issue me an new one with new nember. they failed to do that, new card never issued. 2 months later they reported to the credit bureau late payment. I email them and asked for supervisor to call me. after many many request a supervisor did call to inform me that the investigation couldn't come back with anything because those fraud acitivies happened 6 months ago. and u have to pay. i said ok i will pay since the amount wasn't big {$47.00}. and i asked why you repoted me as late payment while those acitivity where investigation? 
he said that there is nothing can be done. that's the policy. I told him i'm very dispointed and not happy with this compnay and i would like to close my account and get back my prepaid money. it took them another 2 months to close my account and they still reported me as late payment even though I paid the balance that was under investigation of transaction that i never made. now the company doesn't exist anymore another company bought it. and I'm stack with that negative item in my credit report. 
please read the reviews about XXXX  from other consumer. they are a fraud
Product: Checking or savings account

XX/XX/2020 : A check for {$8700.00} was issued to me and my mortgage company by my home insurance provider against a home repair claim ( XXXX  XXXX XXXX  ( XXXX  ) ) in XX/XX/2020 using their bank XXXX. I got the check endorsed by the mortgage company rep and then I also signed back of the check. 

XX/XX/2020 : I made a mobile deposit via the Citibank Mobile app. However, the check was rejected by Citibank stating missing endorsement. ( However, I did not receive any email or mail about this rejection. So I was not aware of this rejection ) XX/XX/2020 Believing that the check has been successfully processed by Citibank. I trashed the actual check. 

XX/XX/2020 I noticed in my bank statement that Citibank had infact rejected the check and debited the check amount from my account. So I contacted XXXX to reissue me the check. XXXX  is claiming that the check was processed by Citibank and can not reissue the check until the money is credited back to their account. 

XX/XX/2020 Called the Citibank call center several times. Received a response to the service ticket BUT the response did not contain any details that I use for resolution. 

XXXX/PNC are willing to get any official from Citibank rep to call them and figure out the cause of the issue. But no one in Citibank agreed to get into a call. 

Finally, I contacted Citibank Relationship Manager seeking her help. Provided her the details of the issue. I did not see any help or resolution coming from her as well. 

Citibank reps have not been able to resolve the issue and went around responding to some other aspect of this transaction. Truly disappointed with lack of empathy by the people I spoke with in Citibank call center. 

However, I did not receive the check money in my account. So where did the money go? Which account did the money got transferred to?
Product: Student loan

ECSI charges a fee for individual payments directly removed from a bank account, credit or debt card payments. The only service fee free payment option is to pay by mailing in a check or by setting up automatically with drawn payments. This is insane. ECSI is making making the process of paying my loans incredibly difficult to make an extra {$4.00} each time I pay my loan. 

No other student loan lender I am currently dealing with charges this type of fee. As a person with large amounts of student debt every dollar matters and this just seems like an extra slap in the face for taking out a private loan.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to you today with concerns regarding the agreement I entered into with Unison. When Unison offered me a loan that I wouldn't have to pay back, I signed the agreement not realizing the consequences. Shortly after receiving the payment, I contacted Unison to return the funds and cancel the agreement. I was informed that I would have to wait three years to do so, which I have since learned is inaccurate. The three year provision only relates to exercising a Special Termination Option, not canceling the agreement outright. 
On XXXX XXXX XXXX I paid for an appraisal of my home, which valued it at {$740000.00}. I provided this information to Unison on XXXX XXXX XXXX but they refused to negotiate the Special Termination Price or discuss settlement options.

Unison is now demanding a Special Termination Option Price of {$260000.00}, which I simply can not afford.
Product: Debt collection

I called Jefferson Capital system to take care of a debt that was on my credit report that I received XX/XX/XXXX. They were very rude when I tried to make a payment arrangement then demanded my account number and my routing number for my bank I denied them then called XXXX XXXX which was whom they said I owed the debt to they stated that I did not have a debt on or before XX/XX/XXXX. Then I called a lawyer to resolve this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent disputes to XXXX, Experian, and XXXX   about unverified, erroneous information on my credit report and I've yet to receive a response letter from any of them aside from XXXX, who have decided to re verify my identity instead of assisting me in clearing up errors. They are also reporting various non account holding, unauthorized hard inquiries on my report and are not removing them after they've been sitting there for over 2 years without my knowledge or permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit as well as a spreadsheet for reference. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX SD XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

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

I have submitted a dispute regarding collection accounts to XXXX XXXX and the Transunion credit bureaus.On my 3rd dispute attempt I sent the actual status updat of the collection accounts were actually closed prior to the 1st initial dispute request in XX/XX/2020. 
I have requested the deletion of the accounts based on the accounts not being verified or the client being forced to update the accounts. 
I submitted my 2nd dispute request with the 3 major credit bureaus with no updates. Through frustration I have submitted the court documents to prove the accounts were satisfied and should be removed based on the intentional incorrect reporting.
Product: Debt collection

Portfolio Recovery continues ( for the last two years ) to practice unethical and illegal debt collection practices.

This is occurring after they have already been ordered by the cfpb to stop with their illegal behavior, cease collections and refund consumers affected. A link to the CFPB enforcement order is below.

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-portfolio-recovery-associates-to-pay-more-than-24-million-illegal-debt-collection-practices-reporting-violations/
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection from XXXX XXXX XXXX XXXX XXXX XXXX  - amount of {$4600.00} has not been verified, is being reported to two different credit reports, have not been given noticed about who owns the account/collection, nor has given evidence of authorization to be added to my credit report.
Product: Credit card or prepaid card

XX/XX/XXXX durning the height of covid while I was working as an essential worker, I used my Macy 's American Express card to buy groceries at XXXXXXXX XXXX. The total purchase was XXXX. I did not receive an email notification I had a bill, nor did I receive a bill in the mail. 

All my credit cards are on auto payment and I thought this account was on auto payment as well. XX/XX/XXXX, I was charged a XXXX late fee. No one reached out via phone, email, or mail regarding account status. 

On XX/XX/XXXX, I was charged another late fee of XXXX plus interest. No email, or mail letting advising me of account status but someone did call on XX/XX/XXXX. As soon as I found out I had a balance on the card I immediately paid while I was on the phone. Payment went through on the card XX/XX/XXXX. The customer service rep credited me back one of the late fee XXXX which was appreciated. I thought everything was good and taken care of. 

After filling out a mortgage application, my credit score that had been XXXX to XXXX was dropped over 50 points. Went I looked into the massive drop in my credit score it was due to Macy 's America Express / CitiBank had reported my late payment after I paid them in full. Knocking my credit down 50 points substantially changed my mortgage rate. I reached out to customer service no less than 4 times. Asked for investigation and a review what they reported. Explained why I thought I had the account on auto payment, that I had not received a bill in the mail, via email, and no call until XX/XX/XXXX regarding account status. Although the reps seemed to want to help nothing was done about what Macy American Express reported to the credit bureau and my credit score is sitting at XXXX when it should be at XXXX to XXXX. The " late payment '' on my credit score is the only ate payment I have because again I always pay my credit cards in full on time. This can be verified and I am more than happy to provide documentation and/or my full credit report to prove that the one late payment they reported to the credit bureau dropped my credit score by over 50 points. This practice is extremely harmful especially durning a time of a global pandemic.
Product: Credit card or prepaid card

I applied the Citi XXXX+ XXXX credit card on XX/XX/2019 via the link that saying earn a XXXX XXXX Rewards bonus points after {$2000.00} in purchases within 3 months of account opening. However, I only recieved XXXX  points. I have tried to contact Citi customer service via online chat and phone call multiple times but they gave me different answers every time. I kepe the screenshot when I applied the card. Please see attached.