23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This is a follow-up complaint to XXXX. 

After several calls, I still can not transfer my Membership Rewards points from my AmEx account because the company refuses to adjust my account name to my full legal name. In your response, you stated : " Please contact us at your convenience using the number on the back of your Card so we may perform a name XXXX XXXX XXXX XXXX XXXX change on your account to reflect your full legal name. '' In the interim, I closed my gold account and transferred my points to my corporate card. Several times have I called you attempting to change my name. I have filed out an online name change request, providing you with my international passport, which is the only form of ID I currently possess in you US. That form of identification was denied for reasons that are not clear to me. In a call today ( XXXX XXXX ), a call center supervisor could not help understand why the name change was not performed. A different call center service member promised to perform the change at the end of XXXX, said that they were gon na get back to me in 24-48 hours, and never did. It was now said that some form is being mailed to me and that I should complete it, but that is not what was stated in the previous complaint and I have no indication that that will solve my problem. Evidence continues to mount of AmEx unwillingness to correct its mistake and reflect my full legal name in my account. Please, provide me with a phone number of a competent person that I can call to make this change and do not relegate me once again to your poorly trained customer service members since I have already done 5+ calls in the last couple of months and they have been utterly incapable of helping me. If a satisfactory resolution in not provided by the end of XXXX, I will be hiring an attorney and proceeding legal action.
Product: Payday loan, title loan, personal loan, or advance loan

First the line of credit is deceiving and the billing cycle fee should be illegal. I took this out for XXXX. Paid XXXX and now owe XXXX. I was in a XXXX XXXX that left me XXXX XXXX XXXXXXXX  for two months with minimal income. I couldnt call or speak to anyone. Fast forward and I am out now I set up a payment plan with them. All is fine. 2 days later I get a message the payment plan is canceled and they want XXXX now. Woke up this morning to a 30 day late on my credit report after trying to make it right. No one can help and their practices should be illegal. The billing cycle fees are outrageous and are not clearly stated until after you receive the money. They want XXXX a month in payments on XXXX loan but I now owe XXXX for every cycle fee. Not to mention they will not work with you when making payment arrangements without tarnishing your credit. As a veteran for this country, I am ashamed we let companies get away with this and I am sure I am not alone in trusting this company when I shouldnt have.
Product: Credit reporting or other personal consumer reports

There were hard inquiries on my credit report in XXXX XXXX  and XX/XX/ that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is continuing to report inaccurate information about a charged-off account. They are reporting that it was charged-off multiple times but it was only charged-off once. I have notified them twice about this already but they refuse to remove this inaccurate information from my report.
Product: Debt collection

I had turned my Credit cards over to the XXXX XXXX XXXX XXXX. Somehow CKS Prime Investments had obtain one of my accounts and posted a collection on my credit report. The first one was for a $ ) amount and another one for {$630.00} amount. I have received anything through mail or phone call from this company. All of my credit card amounts are paid in full through the XXXX program. This a false account on my credit reports.
Product: Debt collection

On XX/XX/2021, A Affidavit of Truth and Cease and desist notice has been provided to LVNV Resurgent Capital Services by I, the consumer in fact via Certified mail number XXXX and Return Receipt tracking XXXX XXXX XXXX XXXX XXXX XXXX During the initial 30-day investigation period , LVNV Resurgent Capital Services is on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills as it will be a violation pursuant 15 USC 1692g ( b ). LVNV Resurgent Capital Services communicated or attempted to communicate with the Consumer Reporting Agencies about me without my direct prior consent which is a violation pursuant to 15 USC 1692c ( b ) causing harm to my reputation which is also a violation pursuant to 15 USC 1692d ( 1 ). 

Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ).

Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. LVNV Resurgent Capital Services has committed several federal violations against me, Federally Protected Consumer, for which I am entitled remedy. LVNV Resurgent Capital Services must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the Affidavit of Truth attachment to further explain this statement.
Product: Credit card

I have a current case of identity theft which is currently being investigated and verified with most accounts in question being recognized as fraudulent and being removed from my credit report, and also removing me from responsibility since I had no knowledge of these accounts or authorized for them to be opened. 
This debt collection attempt from TD bank who owns Target credit card has been made aware of this. The amount in question is {$740.00}. I have previously sent over to them all documentation proving my case including an official FTC identity theft report affidavit, a police incident report sent to my local police department and official statement. 
Still as of the date of this complaint, XX/XX/2024 it is still showing on my credit report with the full balance owed. 
I even spoke to a representative XXXX  over the phone explaining all of this and that I did not authorize this credit card. 
My identity has been used fraudulently and currently I have a freeze with all three credit bureaus to try and prevent this from continuing to happen in the future. 

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

I have attempted multiple ways in having my credit reports investigated. Not only is there false information, no one has gotten back to me to reassess or explain. I am trying to buy a new home and the incorrect information reporting has to be against policies they have in place. This is so wrong and I have allowed more than enough time to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my husband attempted to obtain his free annual credit report from the website, XXXX, prior to applying for a car loan at our local bank. After submitting all his personal credit information, at the end of the process, he was informed that the reporting agency " could not provide a credit report at this time '', although the BANK had no problem obtaining his credit report, which he was not allowed to view, but he did find out that it contained inaccurate information and lower credit score that resulted in requiring him to get a co-signer and pay higher interest on the car loan. Today, ( XX/XX/XXXX ) when I went online to apply for social security retirement benefits, my application was " rejected due to reporting from XXXX '' so that SSA could not " verify '' my existence in order to process my application ; so I went online for MY free annual credit report, and, after supplying all my personal credit information, I was informed that the reporting agency " could not provide a credit report at this time. '' Because we have been in a bitter dispute with XXXX/XXXX/XXXX over their theft of our home on XXXX - which they reported to the credit reporting agencies as " REPOSESSED '' 5 years ago, when it was actually still IN DISPUTE in Federal Court, getting ready to go to Jury trial in a few months, & they have been informed that I've had to fire our attorney and prepare to represent ourselves Pro-Se in our dispute against them, I think they are using their financial power and control over the credit reporting agencies in order to harass and get us to throw in the towel and give up.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Unlawful Verification of Disputed Charge-Off Account To Whom It May Concern : I am writing to formally file a complaint against [ TRANSUNION ] for their blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). I disputed a charge-off account reported on my credit file : [ XXXX  XXXX ) on [ XX/XX/scrub>/2024 ], providing detailed information challenging the accuracy and legitimacy of this reporting. However, the credit reporting agency, without providing any meaningful investigation or legitimate evidence, has repeatedly " verified '' the disputed account as accurate. This " verification '' was neither reasonable nor in compliance with the statutory obligations imposed by 15 U.S.C. 1681i. Specifically, the credit reporting agency has failed to fulfill its duty to : * Conduct a reasonable reinvestigation of my dispute. * Provide a description of the procedure used to determine the accuracy and completeness of the disputed information, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). I have made multiple requests for the method of verification, yet I have not received any meaningful or substantive response. Their failure to provide this crucial information demonstrates either a lack of compliance with federal law or the inability to confirm the accuracy of the reported information. This unlawful behavior has caused me significant financial harm, emotional distress, and unnecessary damage to my creditworthiness. I am demanding that the CFPB take swift and aggressive action to address the following issues : 1. Compel [ TRANSUNION ] to provide a full description of the method of verification used to " verify '' this account, as required by law. XXXX. Ensure that [ TRANSUNION ] conducts a thorough and reasonable reinvestigation of my dispute. XXXX. Hold [ TRANSUNION ] accountable for their violations of the FCRA by imposing appropriate penalties. XXXX. Require the removal of the inaccurate charge-off account if verification can not be substantiated. The FCRA exists to protect consumers from negligent and reckless reporting practices, and [ TRANSUNION actions are in direct contradiction to this purpose. I trust that the CFPB will take this matter seriously and hold them accountable for their violations. Please confirm receipt of this complaint and inform me of the next steps in your investigation. I am prepared to provide additional documentation and records to support my claims. Thank you for your prompt attention to this matter.
Product: Debt collection

IN XX/XX/2016 I STARTED RECEIVING CALLS & NOTICES REGARDING AN UNPAID BALANCE FOR XXXX XXXX. I DISPUTED THE ACCOUNT & THOUGHT IT WAS TAKEN CARE OF. HOWEVER, THE ACCOUNT WAS CHARGED OFF & SOLD TO MIDLAND CREDIT MANAGEMENT. I THEN DISPUTED IT WITH THEM WITH NO SUCCESS. THE ACCOUNT APPEARS TO BE FOR MEDICAL TRANSACTIONS WHERE I WAS NOT THE PATIENT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX, XXXX has violated my rights. 

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

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

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
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 reporting or other personal consumer reports

Experian has reported a XXXX point drop to my score in the last month with no valid explanation. I paid down a credit account last month and my address was changed. A few months prior I paid off two high interest rate loans that I did not have for even a year and my score dropped XXXX points. This is unfair and now its dropped XXXX points for no valid reason other than I paid down credit card debt and also my address was updated because I recently moved. Theres no reason for me to lose XXXX points with no explanation.. 
Affair resolution would be to give me back my points because it was wrongly taken to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern- There was an account FRAUDULENTLY opened in my name with XXXX XXXX.

I am victim of IDENTITY THEFT and this is one of MANY accounts that was obtained as result of such.

All 3 CREDIT BUREAUS are in receipt of my police report, along with other documents supporting such.

Ive contacted both the CREDITOR, that being XXXX XXXX and ALL CREDIT BUREAUS advising that this is not my debt.

XXXX  & XXXX have both completed their investigation and removed this account from my credit report ; however, EQUIFAX has not.

LATE PAYMENTS & NEGAITVE information from this fraudulent account is NEGATIVELY impacting my credit score.

It is UNFAIR to me to have an account that was opened as a result of FRAUD continuously cause a NEGATIVE IMPACT on my life.

Im having to re-open disputes with EQUIFAX every 30 days ; thus, again NEGATIVELY IMPACT MY LIFE.

Im confused as to why EQUIFAX is still reporting this on my credit when XXXX & XXXX   have both removed it.

Considering the MASSIVE BREACH this company, that being EQUIFAX, has exposed consumers such as myself to, it is very disheartening to see their lack of concern.

EQUIFAX has removed this account twice and placed it back on my credit yet AGAIN! This is VERY FRUSTRATING!!!
Product: Debt collection

I had a credit card which I was unable to make the payments due to unemployment. So the account went to collections and Frederick J. Hanna got the account. So they served me papers around XX/XX/XXXX or XX/XX/2015. So I acknowledge that I owed this debt and would start making payments by signing and getting a form notarized stating I do owe this debt. So I began making payments. In XX/XX/XXXX I set up a payment plan in the amount of XXXX $ /month before that I had pay off the debt by XXXX . There was an additional XXXX $ added for court charges make a total balance of XXXX. Once my payment plan was set up it kept getting cancel for some reason which they would not tell me. So XX/XX/2015 I was upset that they still was sending threatening letters of bring me to court accusing me of not making payments when I was. I just pay the total balance of XXXX over the phone and I received a confirmation number. They took it out of my checking account twice so a total XXXX instead of the XXXX that I owe. Now I ca n't get in touch with anyone none of the representatives will come to the phone. I did my part but I feel like now I 'm being con out of my money. I 'm a XXXX and am trying to move to start a new job. I really could use every dime I have so I do n't wish to be taken advantage of. I used the credit card I ran up the charges I understand and will pay what I owe. But I do n't understand why they are trying to charge me twice and adding additional charges. There need to be some sort of action taken against this firm because of the harassment, threats, and trickery is despicable.
Product: Money transfer, virtual currency, or money service

I was a victim of identity theft. The money for {$2000.00} was taken from my checking account as an ACH transfer on XX/XX/scrub>/24. I tried to stop the transaction but could not. Then money for {$3000.00} was taken from my checking account again on XX/XX/year>24. Again I tried to stop the transaction but could not. After several phone calls to Cash App, they denied my request. They determined that the transactions were authorized by me. Which was not the case. Who ever took my identity, got into my Cash App account and processed the XXXX transactions. I can no longer get into my Cash App account because my information was changed by whoever stole my identity. Cash App, did send a summary of the transactions to me. 
I have been working with XXXX XXXX to resolve this issue. We requested that they reopen my case today. But this afternoon Cash App responded and said the request has been closed. This was on their Case number XXXX.
Product: Debt collection

I was contacted a couple of weeks ago by MS Services about a debt that they had acquired. The lady was horribly ignorant, wouldnt listen to anything I was trying to say, and threatened that I would be taken to court and there would be a large negative impact on my credit. I have been unable to work for the past XXXX months for health issues, and she called me again today demanding that I pay immediately and I have NO options for payment plans. I tried explaining I could make some kind of payment on the XXXX when my significant other gets her check, but she wouldnt accept anything other than half the supposed debt. I never even received anything in the mail about this. She instructed to have my significant other call her, and when she did, the lady was horrible again and demanded that she give her her account and routing number, and when my significant other stated that she wasnt comfortable giving that information, she yelled at her to get ahold of me and make sure to let me know that my own significant other couldnt help me and said GOOD LUCK! And hung up.
Product: Credit card

I am credit worthy, however, Synchony Bank has denied me credit. Their gobbledygook reasoning is un-understandable to me and I believe is concealing age discrimination.
Product: Mortgage

We lost our household main income in XX/XX/2016 and got behind.We saved our house 1 time before and had to pay over XXXX dollars to do so as first loancare said you owe XXXX which is way larger amount than our amount of delinquency. We got loans sold items paid the amount. Then they said it wasnt made in time, house was already sent to foreclosure we had to pay another XXXX to get it from there and back to legally mortgage. We almost lost everything we owned cars etc to pay this amount but saved it. Now owe so much on loans we had to save it the 1st time we got behind again this year. Weve offered fo pay 2 months as they are saying 3 are due even if XX/XX/XXXX. Isnt even here yet, but they said theyd refuse them. I'm calling HUD on Monday, but there has to be some help out there with these people. It is every 6 months them doing something mike this to us. Weve tried the loss mitigation with the company they refuse is except the 1st time 24 mo ago lowering our payment by {$20.00}. But that was prior to the job I was at letting me go.
Product: Credit reporting or other personal consumer reports

I have a claim in for breach of information and a fraud report filed with FTC. This is verifiable. I filed bankruptcy and it was discharged however this credit bureau still have fraudulent inquiries on my report and accounts that were included in my bankruptcy and should not be showing delinquent and or on my report at all. 

The inquiries are as follows : 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 XXXXXX/XX/XXXX I also, have asked them several times why is my score so low because I feel it is a form of retaliation because I do not have any bad accounts, lates and the inquiries are wrong, I DO NOT HAVE A STRIDE BALANCE and The amount on my XXXX  account is incorrect.
Product: Credit reporting

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 311 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possibile. Thank you
Product: Checking or savings account

On XX/XX/XXXX, I received a call from my bank notifying me that suspicious activity was recognized on my debit card at XXXX AM in the amount of {$5400.00} at a nearby casino. My debit card was immediately canceled, and a report was filed with US Banks fraud department. They informed me that they will give me a provisional credit on my account. I did not hear anything about the banks investigation until I received a letter in the mail on XX/XX/XXXX stating that their investigation was complete and that they were going to reverse the provisional credit in 2 days ( XX/XX/XXXX ). I called the fraud department and they told me that they denied my claim for two reasons ; 1 : My chip was used during the transaction and because the location of theft was localized to my are. This is impossible because my card never left my wallet and I have not been to this casino in over 4 years. XXXX from the Fraud Department told me that if I wanted to get my money back, I would need to prove that I did not authorize the transactions. The bank has denied any written documentation on their investigation. 

I have been trying to solve my own crime ever since. I have filed XXXX police reports ( XXXX with the XXXX XXXX XXXX XXXX XXXX and another with XXXX Police Department ), I drove to the casino on XX/XX/XXXX and got receipts of the transactions, but the bank will not protect me or give me back the credit. The main reason they told me was because it was impossible to duplicate or clone the XXXX chips inside the debit cards ( an easy XXXX search will tell you otherwise ). This has caused undue stress and anxiety in my life as I keep wondering how I will be able to pay my bills or feed my family. The bank will not help me any further and I do not know what I can do or what rights and protections I have. It is my understanding that the law protects a consumer 's money when there are unauthorized transactions on their credit/debit card.
Product: Credit reporting or other personal consumer reports

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX XXXX Please prioritize this matter for prompt action. I have tried to email them, at XXXX XXXX Assistance XXXX XXXX XXXX XXXX, XXXX  XXXX But I am not getting any response or completion of my request. I have also submitted the Innovis Credit Report XXXX XXXX form and NO SUCCESS. 
"