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

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> XX/XX/year> XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action,
Product: Credit reporting

1.XXXX reported that my bill was paid as a charge -off, fixed rate. The date stated opened on XX/XX/XXXX ; date of last payment as XX/XX/XXXX. To the contrary, I paid the entire bill amount I owed, so IT WAS NOT A CHARGE-OFF. 
2.XXXX stated XXXX XXXX XXXX XXXX was owed {$160.00} on XX/XX/XXXX. The status showed D-Unpaid. I paid the bill in full for medical/health care. 3.XXXX XXXX XXXX was paid {$980.00}. Date assigned XX/XX/XXXX ; status D-Unpaid
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft, which fraudulent activity has been reporting to my TransUnion Credit File/Report. I have filed an FTC and Affidavit and have my Police Report to have these fraudulent items removed from my credit report. Also, TransUnion is violating HJR 192 of 1933, 15 U.S.C. 1681b, and 18 U.S.C. 1028A, which my next steps is to seek litigation of damages of {$1000.00} per occurrence. There is one fraudulent account and eight fraudulent Inquiries on my credit report, which needs to be removed effectively immediately. I am filing this complaint because TransUnion is always receiving and processing my paperwork late and is always an issues relating to removing items via certified mail. Therefore, I am submitting a complaint and asking TransUnion to remove all fraudulent items from my credit file, based on my documentation uploaded through CFPB. The fraudulent account is : 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. Again, please remove all fraudulent items from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a Multiple  Inquiry Removal Letter to TRANSUNION on on  X/XX/2017  by cert ified mail in order to dispute information, in regards to (  XXXX   )  inquires, that is being reported on my credit report. They received the letter on (   X/XX/2017     ) and they completed the request on (   X/XX/2017     ). The request that I submitted included Inquiries that were NOT factual and I received the same responses for ALL inquires, which was Inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor. According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investi gate and respond, the CRA must delete the disputed information from its files. The fact that I received a respons e ( NUMBER )  days after the receipt of my certified, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me, I did not sign anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Prepaid card

On XX/XX/XXXX I purchased a Macys gift card from Macys as a XXXX gift for my mother. The date and time of the purchase is listed on the receipt that I am still in possession of. The balance loaded was {$200.00}. Over 2 years later my mother informed me that she was never able to use the gift card at Macys. It declined several times at the cash register and payments never processed online. I asked her to try it one more time and if it failed I would call customer service since I was the purchaser of the product. After another failed attempt to use the card I called Macys customer service. According to my call logs, the call to Macys customer support at XXXX ( XXXX ) XXXX was placed on XX/XX/XXXX. After providing the card number and requesting a replacement card and stating that I had proof of purchase, Macys customer service proceeded to assure me that the card was active and showed a balance of {$200.00}. I told them they were missing the point, that the card was not at all usable and I was told that the next time it was used it would work. No action taken, just the representative simply saying that it would work. I told my mother this, and she again was never able to use the card. Checking the balance today still shows an active balance of {$200.00}.
Product: Credit reporting or other personal consumer reports

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 I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 ( i ) 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.

And according to 15 USC 1681s-2 they are suppose to 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 reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act. The list of accounts below has violated by federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX. 
Account one XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account two XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Account three XXXX XXXX XXXX  XXXX Open XX/XX/XXXX Account f o u r XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Account five XXXX XXXX  Account number XXXX XXXX Open XX/XX/XXXX Account six XXXX XXXX Account number XXXXXXXX XXXX  Open XX/XX/XXXX Account 7 XXXX XXXX Account number XXXX XXXX Open XX/XX/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 account without my written instructions 15 you. S. C 1681 c. ( 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 attend dates the report by more than 7 years 15 u.s.c 1681 s-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 reporting or other personal consumer reports

I have previously sent in information from the ftc and my police report of this account through XXXX. I have given this company multiple times to prove to me that this is my account. I asked if they had a copy of my identification, a signature, or even a consent form signed by me to prove that this was my debt. On all accounts, all I receive from XXXX XXXX, and Transunion is that it is verified. I have not received any proof and all of the credit companies say that this is verified. I have not received anything from anyone to prove different as well as they have taken over 30 days to respond several times. this last round of letters that I sent was confirmed to be received by them on XX/XX/XXXX and I received correspondence from the Bureaus that says that they need another 30 days. Also, I received letters stating that they could not locate the account in question but couldn't. Then the same day they sent a letter stating that they needed more time. I feel like these bureaus are dragging their feet. Also, I have not received one shred of evidence that this account belongs to me. No Identification, no signed agreement, and no proof ( When a consumer disputes an item on their credit report, the credit reporting agency must investigate the claim. If the consumer provides proof of the inaccuracysuch as payment records, court documents, or other relevant informationthe agency is required to review this evidence during their investigation. If the information is found to be inaccurate, it must be corrected or removed.

In summary, proof relates to the documentation necessary to substantiate a claim regarding errors or inaccuracies in credit reporting ) from the creditor.The Fair Credit Reporting Act ( FCRA ) is codified in Title 15 of the United States Code, specifically sections 1681 to 1681x. I would like for this account to be deleted from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I noticed fraudulent accounts and information on my credit report, I then contacted all 3 credit bureaus and began utilizing a freeze on my Experian, XXXX and XXXX credit reports. I also filed a complaint with the FTC. Since then, I have had three additional fraud incidences that were reported to Experian, XXXX and XXXX. Experian is the only credit bureau that continues to report the fraudulent information on my credit report. 
This incorrect information has led creditors to deny me from obtaining credit because my reports state that it XXXX s risky to extend credit to me because of possible fraud. 

For starters, once there is still a high likelihood of my personal identifiable information being used, I requested a 5-year fraud alert by Experian and provided all of the necessary information as they requested, On XX/XX/XXXX I reported several cases where I have experienced identity theft to Experian to put on record and to extend 5-year fraud alert on my credit reports The following identity theft cases occurred and were reported to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX two fraudulent charges on my - XX/XX/XXXX Lost debit card - XX/XX/XXXX XXXX exposed to the Dark Web ( credit report notificatio -XXXX  XXXX Unauthorized fraudulent Bank Account Name Changed on my checking account which transferred to my Credit Report XXXX XXXX, XXXX reported to FTC and XXXX XXXX XXXX Bank admitted to being at fault to fraudulent name change on my account and supplied written correspondence XXXX XXXX wrote Experian request for XXXX XXXX XXXX and to remove all incorrect names and accounts XX/XX/XXXX Experian sent correspondence requesting documentation XX/XX/XXXX I sent all required documentation via priority mail to Experian to have all fraudulent information removed NEW FRAUD ALERT! XX/XX/XXXX - Unknown address displaying on my report. I have never lived there and have been in XXXX, XXXX 
Credit report states ( Bad Address XXXX XXXX, XXXX  ) Please remove
Product: Mortgage

I got divorced XX/XX/XXXX. I was awarded the house in the divorce and immediately started the process to assume the mortgage with our lender, Chase, to remove my ex-husband 's name fro the loan. After a lengthy process, this was finalized in XX/XX/XXXX. A few weeks ago, I received a letter in the mail from XXXX XXXX stating that they had purchased my loan from Chase but Chase would remain as the servicer of the loan. This letter from XXXX XXXX has both my name as well as my ex-husband 's name on it. Concerned, I called Chase Mortgage on XX/XX/XXXX and was told that according to their records, I am the only owner. However, we called XXXX XXXX and they verified that their record lists two owners on the loan ( both me and my ex-husband ). I went into a local Chase Mortgage branch office ( XXXX XXXX XXXX XXXX XXXX ) the next day and spoke with an associate named XXXX and a manager named XXXX. They called into their mortgage department and was told that the issue was that my ex-husband 's name was still listed on the deed. They weren't sure why this wasn't dealt with when I assumed the loan, but that in order to fix it, I would need to fax a letter to Chase Mortgage, asking the to remove his name from the deed and then contact XXXX XXXX to get this corrected on the loan. I did this same day at their branch location and was promised a call back on Monday from XXXX. I received no call back so I called again on Tuesday. I have made many calls to XXXX at the branch office as well as the Chase Mortgage Executive Office ( where I was told me case was being handled ). XXXX isn't returning my calls and each time I call the Chase Mortgage executive office, I am told that the case manager assigned to my case, named XXXX, is not available but they will put in a callback request. I never get a call back. I've been given a case number of XXXX. In the meantime, I have gone online to the website for the XXXX County Clerks Office and located the request to have my ex-husband 's name from the deed, filed on the day of my divorce, XX/XX/XXXX. And now I remember my lawyer walking me to the clerk 's window to file this document and pay the fee on that day. So Chase 's explanation of that being the source of the issue is completely false. The simple truth is that they screwed  up by sending old information to XXXX XXXX when selling my mortgage to them and now they refuse to return my calls or make this right. I'm very concerned that this will cause major issues should I ever decide to sell the house and if I was to pass away, the bank would see my ex-husband as the owner of my house.
Product: Mortgage

I am a XXXX Veteran since XX/XX/XXXX ( approximately ) and because of this I am exempt from paying state property taxes. Freedom Mortgage ( Lender ) has requested paperwork stating my exempt status. I have sent them the paperwork three separate times and they say it 's not the right information. This is paperwork from country courthouse/government center and is the legal paperwork for this exemption. They are ignoring the status and since the acquisition of the house on XX/XX/XXXX have been charging property tax to the loan.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the inquiries : 1. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Debt collection

I sent Midland Credit Mgmt a CMRRR letter asking for and I quote Signed credit application between myself and the original creditor Copies of all signed vouchers from the date account was opened until default Copies of all statements from the date account opened until default Proof of the statute of limitations Proof of agreement that you were hired by the Original creditor ( creditor as defined by the FDCPA ) or A copy of the contract XXXX purchased the alleged debt. 
If the alleged debt was purchased, provide a copy of an agreement between XXXX and myself, signed by me, stating that I have a contractual responsibility to XXXX for the alleged debt Provide proof that XXXX is bonded/Licensed for debt collecting in the State of Your StateI received a statement back not proving anything and they DENY my dispute. Under the FCRA Section 623 I have a right to verify this information for myself, if it can not be validated then the tradeline must be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

This company SYNCB/CARE CREDIT has reported in my account an old credit card from 2009 on my report says its closed but labeled revolving. Also when calling them to try to resolve this issue they say they sold it to XXXX XXXX. When trying to get ahold of that company they are no longer in business. So my question is how am I supposed to have this removed from my report if they wont even let me work out a payment arrangement or give me more details on the account?
Product: Credit reporting

Company response indicates the following : Response Credit Plus has received a complaint that you posted in the CFPB complaint database. The complaint is a joint complaint against both XXXX XXXX and Credit Plus. It 's unclear to us as to the nature of the complaint against Credit Plus, so could you please clarify the nature of the dispute, if any, with Credit Plus. 
Sincerely, Credit Plus, Inc. 

Clarification : Credit Plus failed to properly follow it 's own policies as presented to me and my wife. When opting to use the 'rapid rescore ' service we were told that providing proofs of statements showing payoffs would result in a rescore to the model as proposed by Credit Plus without an additional inquiry and the process would take less than a week. 

Instead what happened was that Credit Plus repeatedly claimed that the credit accounts paid were not being confirmed by creditors, even after our own credit reports were showing the accounts paid off and we provided subsequent month ending bank statements. Additionally our credit was pulled repeatedly resulting in our score being lowered. When escalated, the process remained opaque and the process was never explained to us, nor was an adequate escalation resolved when it became clear that Credit Plus was doing much more harm than good. Even though we were following the instructions provided to us. 
This harmed me and my wife in the following ways : 1 ) It robbed us from making an informed decision by either improperly and otherwise failing to disclose the policies/processes of Credit Plus. This may have resulted in us hiring a different lender. 
2 ) This further injured us by resulting in our rate not being locked until the day before closing and resulting in a significantly higher rate than had we locked at the time. 
3 ) Our credit reports were repeatedly dinged resulting in lower credit scores overall despite that we were informed that the process did not involve a hard pull on credit. 

Ultimately, by not providing clear, simple disclosure, we were unable to make an informed decision, and resulted in my wife and I paying a rate approximately 0.40 % higher than had we locked on the first day. Carried over the life of the loan this is a financial loss to us of {$32000.00}. Ultimately we would like this as compensation for being misled so that we can apply this to the balance of our home loan and offset our injury.
Product: Credit card

Approximately, a week ago, I received an American Express Blue card. I have been abused, harassed, and tortured by multiple security checks, at least 9 TIMES, PASSING ALL OF THEM WITH FLYING COLORS, and I ca n't get a real explanation why the repeated checks. I can not get a cash advance ; they will not allow me to create a security pin. I received a letter yesterday, XXXX/XXXX/2015, SAYING, ONCE AGAIN, TO CALL THEIR SECURITY DEPT., AND IF I DO NOT IN 30 DAYS, THE CARD WILL BE CANCELLED!!!! I have angered XXXX people with ties to the banking industry and I think this is at the root of all of this!!
Product: Credit card or prepaid card

Hi, On or about XX/XX/XXXX, I did not hear my phone ring so my daughter-in-law/alternate contact got a call from Barclays security/fraud unit requesting that I should call back . I called back and was told that my XXXX XXXX XXXX XXXX XXXX had transactions in XXXX, MA : XXXX XXXX over {$3000.00} and XXXX  over {$1000.00}. I told Barclay agent that I live in Hawaii and I have never been to MA and I don't have an authorized user/another card with the same card # s. Barclay agent was pleasant and said I will not be liable for fraudulent charges, to destroy the card I have and will be issued a new card. 
When I did not receive my replacement card, my daughter-in-law helped me call Barclay and that was when we found out it got scammed before I got it. My mailing address in BArclay database was changed to another address and there were 2 unauthorized cash advances for {$1000.00} ( total ) at XXXX XXXX XXXX XXXX MA. I told Barclay I have not left Hawaii for the last year so I did not make those transactions. 
On XX/XX/XXXX, my daughter-in-law checked my mail that I did not open yet and there was a letter from Barclay stating the {$4300.00} charge from various merchants : " We issued a provisional credit to your account for the full disputed amount on XX/XX/XXXX while we investigated this activity. We've completed the investigation and found the activity is valid. Therefore the provisional credit has been reversed and the amount owed has been places back on your account. '' My daughter-in-law helped me call XXXX to dispute that their investigation for {$3000.00} ( XXXX XXXX ), {$1200.00} ( XXXX ) and {$1000.00} XXXX XXXX XXXX XXXX ) was correct as I was never in MA buying stuff or getting {$1000.00} in cash advance. The Barclay agent we talked to was XXXX ( said her employee ID was XXXX ) who said because a credit card was presented for those transactions, they are valid charges and that I need to prove I was not in MA. I was mad so I swore that I'll get a lawyer. My daughter-in-law said we should report Barclay to state/federal regulators because there could be other seniors that were victimized twice : 1st was by the scammer and 2nd time by the bank. I want Barclay to produce store/bank security camera videos to prove that I was in MA using my credit card. My daughter-in-law said my doctor can vouch that I have not left Hawaii from XX/XX/XXXX to XX/XX/XXXX because my XXXX XXXX XXXX  got worse to XXXX XXXX that was leaking blood and water. I had wound care clinic, hospitalization, skilled nursing rehab home, home health care and doctor appointments. Which airline is going to let me fly when my leg was constantly leaking fluids and needed dressing changes. On XX/XX/XXXX, my daughter-in-law picked up a letter from my doctor, XXXX XXXX XXXX, MD stating that I was not cleared to fly until XX/XX/XXXX. 
Pls. help me resolve this as I am stressed and worried and can not sleep. 
XXXX