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

I had contacted this company on a separate public forum regarding these fraudulent accounts, yet the response they gave me was less than adequate to say the least. 

I had a Secured Credit Card through them I got years ago, to which I paid off and left it be. This company is not only reporting that I have an outstanding balance of XXXX XXXXXXXX.which I dont..BUT is also stating and sticking by that I have numerous missed payments and the card was charged off.THIS IS COMPLETELY FRAUDULENT ON THEIR WND BECAUSE I HAD THE ENTIRE BALANCE PAID OFF AND NEVER USED IT AGAIN!!!! How would I have missed payments and a charge off with no balance??? If you look at all the other complaints on here you can see this is a normal occurrence for this fraudulent company.THEN THEY SAID I OPENED TWO other credit builder accounts months apart from each other WITH GUESS WHAT??? More late payments showing up.I NEVER OPENED UP NEW ACCOUNTS WITH THEM. I cant stand this company after what they did with my credit card so WHY WOJLD I OPEN NOT ONE BUT XXXXWO NEW ACCOUNTS WITH THEM.!??!!??!!? Then they tried to tell me they have proof that I opened them and that they were used in the vicinity of where I live????? What does that mean???? Someone near me couldnt steal information? And open up fraudulent accounts???? DELETE THESE FRAUDULENT ACCOUNTS IMMEDEIATELY AND PERMANENTLY AND REMOVE THE LATE PAYMENTS AND BALANCE FROM THE CREDIT CARD TRADELINE OR DELETE ALL THREE TRADELINES OF LITIGATION WILL COMMENCE! I am being advised by my attorney to give you all this last chance, I would take it if I were you or face legal reprucussions.!
Product: Credit card or prepaid card

I would like to increase my bank of america credit limit so that my credit card utilization is under 30 %
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

IM A VICTIM OF IDENTITY THEFT PURSUANT TO FEDERAL LAW SECTION 605B ALL FRAUD MUST BE BLOCKED AND REMOVE FROM MY NAME. SO I ATTACHED FTC REPORT AND OTHER DOCUMENTS SHOWING AND PROVING THE FRAUDULENT ITEMS ON MY CREDI REPORT ****PLEASE READ FTC REPORT IN DETAIL*******
Product: Credit card or prepaid card

American Express through their Amex offers program advertises promotion through which card holders receive benefits if they make purchase at certain merchants. The card has to be pre-registered for the promotion and the purchase made subsequently. I made such a purchase for XXXX XXXX Membership onXX/XX/17 after registering my card for the promotion which was supposed to give me 5000 bonus Amex points. I have however not received the bonus points even after multiple conversations with Amex who seem to keep promising to resolve this issue in 3 days everytime I have a chat with them. Have tried to escalate this atleast 3 times. I have available the entire chat conversation
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

The following accounts listed- XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  I opened XXXX XXXX XXXX XXXX XXXX I opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX I also have inquiries on my credit report from, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  that are not supposed to be on credit report and i have sent information showing that i did not give permission to run my credit
Product: Debt collection

I owe money on a XXXX XXXX revolving account ( XXXX XXXX Card ). Covid hit and I had trouble paying it off. That being said the debt was sold to Midland Credit Management. Midland started to call me every day harassing me. From there I decided to set up a payment arrangement to pay off the debt over time at affordable payments. Unfortunately midland tried to scam me out of extra money. What I was told is all payments would be used to pay down the amount owed. But upon reviewing the agreement they sent me, upon laying the initial payment my balance would remain the same. Therefore they tried to get me to agree to something that we did not speak about, and tried to get additional payment from me. I cancelled the agreement after I had reviewed it. From there they threatened to sue me via a third party legal team. Now midland and XXXX XXXX XXXX XXXX third party legal team ) call me daily in regards to said debt. They are now calling family members of mine attempting to collect a list of assets and gather further information from them to use against me. The sad part is I tried to set up the payment arrangement to settle this matter but they tried to scam me for additional money.
Product: Credit card or prepaid card

I was charged an annual membership fee on XX/XX/XXXX for {$99.00}. I paid off the annual membership fee on XX/XX/XXXX before the statement posted. Chase did not apply the payment to the highest interest item on the account which was the {$99.00} fee. They instead applied the payment to the 0 % interest balance transfer. 

According to Chase 's credit card terms : 'We will begin charging interest on balance transfers and cash advances on the transaction date. '' This means by their own definition the {$99.00} fee is the highest interest item on my card at the time the payment was made. They are trying to hide behind the fact that the charge was not posted to my account. That doesn't matter since there terms state the " interest is charged from the date of the transaction '' not from the post date. They can't charge me interest and not allow me to pay it off. I live in Wisconsin and there is no prepayment penalties allowed. I tried to prepay the amount before it posted to the account and they still charged me interest. 

I was charged XXXX interest on XX/XX/XXXX ( I paid over {$100.00} over the minimum payment ) I was charged XXXX interest on XX/XX/18 I was charged XXXX interest on XX/XX/18
Product: Checking or savings account

My car was broken into and my purse was stolen on XX/XX/XXXX at which time I was contacted by the fraud department at Wells Fargo. They closed the card immediately. I assumed they would send another one but when I hadnt received one by the next week, I called in and they sent one out. I never received the card therefore I NEVER ACTIVATED or used the new card except through XXXX XXXX, which they electronically uploaded to my phone. A few days later awakened to a {$500.00} charge that was made at an atm I have never been to. I immediately called and reported it. They told me it would be ten business days before they could resolve it. I received a letter today stating they have determined it to have been me or someone I authorized to use the card. THE CARD I NEVER RECEIVED THEREFORE I COULDNT HAVE ACTIVATED!!! My money should be protected in a bank, instead they are accusing me of taking my own money when technology should prove that Ive neither received nor activated the card. I need help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX Subject : Notice of Dispute Regarding Violation of Rights Dear TransUnion Consumer Relations, Is in violation of my rights as a consumer regarding the investigation of a dispute on my credit report. Despite my previous communication and the legal obligation under the Fair Credit Reporting Act ( FCRA ), I believe that TransUnion has failed to properly investigate and address my dispute. 
On XX/XX/2023, I submitted a dispute letter to TransUnion regarding an inaccurate item in my credit report. The item in question is XXXX Secured Credit Card, CHARGE-OFF Acct # XXXX. According to the FCRA, it is your duty to conduct a reasonable investigation into disputed information within 30 days. However, it has come to my attention that this investigation was not carried out thoroughly or accurately. 
I expected TransUnion to act in compliance with federal laws and perform a diligent investigation to ensure the accuracy and fairness of my credit report. Unfortunately, the lack of proper investigation has resulted in the persistence of incorrect information on my credit file, which directly affects my financial standing and reputation. 
As a consumer, I have the right to fair and accurate credit reporting. I demand that TransUnion takes immediate action to rectify this violation of my rights. I request that you conduct a comprehensive investigation into my dispute, correct any inaccuracies, and provide me with a revised and accurate credit report within the legally mandated time frame. 
Failure to address this dispute and take corrective measures within 30 days from the date of this notice will leave me with no choice but to pursue legal remedies available to me under the FCRA and other applicable consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the inaccuracies and erroneous information being reported on my Credit File for a long time. However, the Credit Bureaus have been ignoring my requests and demand despite the letters and documents that I have been submitting to them. My dispute letters with complete attachments of my personal information and the Identity Theft Report I received from the FTC have been blatantly ignored by the Credit Bureaus. They continue to report the disputed accounts on my Credit File without properly providing any supporting documents to back up their claims that the information they report are accurate an up to date. It is my understanding that under section 605b of the Fair Credit Reporting Act ( FCRA ), it is the Credit Bureaus ' legal obligation to ensure that any unauthorized and unfamiliar accounts and information are promptly removed from a consumer 's credit file. Because of the Credit Bureaus ' negligence and indifference, I am worried of my Credit Worthiness. I am submitting this CFPB complaint in accordance with the Fair Credit Reporting act section 611, which allows me to dispute my own Credit File, and demand the Credit Bureaus to correct my Credit File from any inaccurate, erroneous, and fraudulent accounts and information by removing the following items : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX BANK XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. Most of these accounts were already removed from other Credit Bureaus and it makes me wonder if the 3 major Credit Reporting agencies have been doing the exact same course of action, why does these accounts still remain only on their Credit bureau? I need the disputed accounts removed completely from my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX # 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

I applied for a Wells Fargo 0 % transfer card online on XX/XX/2021. I was instantly approved and they requested my transfer account numbers which I did not have hardly. They sent an email stating I could pick up the application later and continue. I came back 5 days later and finished the app and they said it was delayed. 

I called and they said they upon further review they changed their mind and I was denied. But they did not send me a denial communication. 

If they had I would have had time to apply for a different card before this one dinged my credit. 

This is wrong. It's probably allowed because the system protects banks over people but it is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with all three bureaus XXXX, XXXX, and Experian. I have a Bankruptcy that was discharged XX/XX/XXXX almost 9 years ago. I've been steller since this discharged. My XXXX  dispute concluded and deleted Docket # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX, WI XXXX, ( XXXX ) XXXX. 

However, it only took Experian 2 days and stated my case won't be removed. I submitted XXXX decision regarding the deletion of this file. Experian should have followed suit because the same information was given to all 3 bureaus. Experian stated it would be removed on XX/XX/XXXX. 

As a consumer, my credit report should be legally reporting the same information. This Docket should be removed from all 3 bureaus. Please help
Product: Debt collection

On XX/XX/21 I received a first collections letter from Century financial service requesting immediate payment for " medical services ''. On XX/XX/21 I sent by certified mail a debt validation letter to Century financial services. Instead of they sent a list of my medical records diagnosis which I know is a direct violation of my HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please cease all collection activities immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Fraudly signed my signature on behalf of their rep XX/XX/2020 without my knowledge after taking my credit card information through online chat, I never received any update or response, whenever I would call and inquiry about the payment I made, I got hung up on or transferred and the call would be disconnected. Then a few months go by and I get a bill for a third-party collector and I asked for the original document with my signature. They provided me with documents I did NOT sign ( in person or electronically ). I asked if they could provide me with the IP address of the electronic signatures, so I can see when, where, what day, and time this " signature '' was made. XXXX XXXX XXXX, said they will not provide me with anything as they sold my account to a collection agency. They said I had to dispute with the XXXX XXXX agency. I disputed with XXXX and they just keep providing me with the falsified documents from XXXX XXXX XXXX. I then disputed this with Transunion Credit Bureau, who continues to send me back, " VERIFIED ''. HOW are they verifying an electronic signature, without investigation into the matter. Debt validation is your federal right granted under the Fair Debt Collection Practices Act ( FDCPA ) and I need proof, if you can not provide me with the IP ADDRESS with the date stamp, time, location, and who it was made from, it needs to be removed. The XXXX  rep refused to give me an address or phone number for them, so I could submit this complaint. They have not done anything to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland funding has mixed accounts with other social security numbers and ruining our credit reports. Attached you will find screenshots of what these people did on a family members report including my name and social security number along with another social security number Please have these people not harass me or my family XXXX XXXX and XXXX keep posting information that is not accurate on all 3 bureaus one says no collections and another these thugs from midland funding
Product: Credit card

XXXX XXXX  does not have power of attorney over my file and said so in an email to me. I previously provided this to the cfpb. 

Afte eno help from anyone at amex or XXXX  XXXX XXXX I was able to get in the online portal and tried to make a payment from an old account that was the {$50.00} payment it worked but that account is no longer active and i can not make payments nor could i prior as the system will not allows payment methods to be added. 

aside from that when i call to pay XXXX they refuse to accept payment and still say consumer direct has power of attorney. that is false information. no other party has power of attorney but me. 

amex is predators and will not allow me to pay my account. their portal does not work and they are still not offering me a way to make a payment. This isnt solved as im still stuck being told i can not pay my own account.
Product: Checking or savings account

My Bank of America account was closed because of Fraud bak in XX/XX/XXXX. I contacted their fraud department and they told me they would close the account but I would not be affected adversely. Later, I tried to open a business bank account but I was not able to because I had fraud on my XXXX XXXX report. I contacted both XXXX  XXXX  and Bank of America and I still have not been able to resolve this issue. I called Bank Of America on or around XX/XX/XXXX and I was hung up on twice. They just keep switching me between departments. I keep asking for verification or something that can be sent in the mail such as an affidavit stating that it was fraud but they have no detailed information on my account. Only that It was closed in XXXX. The sent me " verification in the past but even the verification absolved me of wrong doing because the signature on the forged check and my personal signature on Bank of America Paperwork are different. If they verified the information correctly it would have been manifest that the information should no be on my XXXX XXXX report.
Product: Debt collection

We are repeatedly getting collection calls from TRS Recovery Services. The one time that we have called back and were actually able to get a person, they will not tell us what the nature of the debt is, who they are trying to collect the debt from, or give any other information that would be helpful in resolving this issue. When we receive calls from this company, normally we can not get a response from anyone and eventually it disconnects.
Product: Money transfer, virtual currency, or money service

XXXX XXXX -- person me and my friends knew in a local gardening group in XXXX on XXXX was hacked and pretended to be selling XXXX XXXX  tickets. This person created a XXXX account that resembled their husbands name and asked to send money and sent fake photoshopped tickets. the hacker then deleted the account and started sending money in XXXX to other accounts that had XXXX friends and looked like were just created. XXXX was the XXXX account name. price was XXXX sent from my bank. I contacted XXXX immediately after sending this because I realized the tickets were photo shopped and a scam and they said they would report it to the fraud. However, they said that now I have a debt of {$750.00} that I owe and that they can't do anything about it.
Product: Credit reporting or other personal consumer reports

My credit information was used in a data breach. How do I get removed from my credit report.
Product: Mortgage

I had a chapter XXXX bankruptcy that I was discharged from in XXXX of 2015. I have XXXX mortgages that are serviced by Ditech, loan # s XXXX and XXXX. Ditech continues to report my accounts as in Bankruptcy and has been appling additional payments to principal made during the bankruptcy period and since my release to future payments, instead of reducing my outstanding loan amount. I have contacted Ditech numerous times and have provided requested documentation and they have yet corrected either item. The process of correcting these items has cost me a tremendous amount of time and continues to affect my credit rating, my ability to refinance these variable rate loans and cost me additional interest expense due to the improper allocation of principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few accounts on my credit report that aren't mine and belong to someone else. Please remove them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This is not my account. I was XXXX. This is identity theft.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft their are accounts on my credit report that isnt mine please correct the inaccuracies.
Product: Credit reporting or other personal consumer reports

Vehicle was return to XXXX XXXX and they were force to payoff loan that had not been consumated by Illinois Attorney General 's Office