23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a loan with TD BANK USA/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and TD BANK USA/XXXX with no successful resolution. XXXX, XXXX and XXXX   are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2018.
Product: Credit card

I was notified that I had a past due balance on a credit card through WayFair ( via Citibank ). 

I did not open this account- my identity was stolen and the card was open and used fraudently without my knowledge. 

I attempted to dispute the fraud with the credit card company but they denied that was fraudulent. No reason was given.
Product: Checking or savings account

XX/XX/23 fraud Amounts withdrawn from account {$500.00} XXXX  {$1200.00} paypal {$240.00} XXXX XXXX  I informed the company that these were fraud transactions and that though i authorized this amount to be sent. I was forced to send this money over because I was threatened to otherwise my one of my family memebers was going to be harmed. I was told that there was nothing they could do for me because i didnt contact the police first and because i authorized the transactions. ive been a memeber with chase for XXXX years. ive never reported fraud before. I felt as my report was disgarded and not taken serious and should be refunded the money.
Product: Money transfer, virtual currency, or money service

nothing ' constant recorded messages to call company but will not put me through to any authoritative dept or person
Product: Credit reporting or other personal consumer reports

I have reached out to the credit bureaus experian, XXXX and XXXX  regarding invalid information found on my credit report. I have requested they provided detailed validation that the accounts belong to me. They have yet to provide the information or DELETE the accounts from my reports.
Product: Debt collection

This collection account appeared on my credit report fraudulently. I have never been billed by any medical provider or received any correspondence from Credit Adjustments Inc. about owing any debt. This item has been placed on my file without giving me the option to dispute the account, because the debt is not mine. I have filed disputes with XXXX and the company continues to auto-update the account without any proof of it belonging to me. I would like this item removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Refined our home in XXXX Our Mortgage complay ( XXXX XXXX ) incorrectly reported our last payment as late. After contacting XXXX  regarding their error, they submitted a reversal to Equifax. Equifax not only refused to assist us, they turned around and dropped our credit scores by XXXX points each. I sent all the documentation needed to support that this was an error. XXXX XXXX  also sent a letter re-tracking there inaccurate reporting and request our credit report be adjusted back to the original scores prior to the inaccurate info being submitted. This has caused a financial nightmare for both of us, ( downgrade in credit, insurance rate skyrocketed ).

The other 2 reporting agencies corrected our credit reports but equifax refuses to help us. 
My credit score prior to the error was XXXX my wifes was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these ITEMS in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following ITEMS need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX  Balance : {$24000.00} XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

These accounts are not mine nor did I authorize them. I have reach out via certified mail over 30 days ago to the three-credit reporting agency ; XXXX, Equifax, XXXX to investigate these inaccuracies but they still remain without the proper investigation or validation of these debts. 

These accounts have violated my rights : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXX, XXXX XXXX XXXX  XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Account # : XXXX, XXXX XXXX XXXX  Account # : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) Account # : XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX Account # : XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A, states that a consumer reporting agency can not furnish an account without my written consent or instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states ; no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have attached a credit report with these terrible mistakes by the credit reporting agencies.to support my claims
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT WAS OPENEDAND FRAUDULENTLY USED, AND THE FUNDS WERE MISAPPROPRIATED, I CONTACTED THIS COMPANY ON SEVERAL OCCASIONS IN AN ATTEMPT TO RECOVER MY FUNDS, WHICH BY LAW WAS SUPPOSED TO BE FDIC INSURED, DURING THIS PERIOD I WAS XXXXXXXX FROM XXXX THIS WAS VERIFIED BY NETSPEND STAFF BY AND THROUGH THE VETERANS ADMINISTRATION DURING A CALL WITH REPRESENTATIVE " XXXX XXXX ON XXXX THERE WAS AN INDEBTEDNESS APPLIED TO MYSELF FOR THESE PAYMENTS THAT WENT TO THIS ACCOUNT, A POLICE REPORT WAS GENERATED XXXX XXXX XXXX XXXX WHICH WAS IN REGARD TO IDENTITY THEFT TO XXXX XXXX XXXX XXXX, MY COMPLAINT IS IN REGARD TO NETSPEND NOT BEING DILIGENT IN RETURNING MY FUNDS TO ME REGARDING THE IDENTITY THEFT, I WAS CLEARLY XXXX DURING THAT TIME AND COULD NOT HAVE POSSIBLY MADE ANY OF THE TRANSACTIONS.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX I sent in to Experian and XXXX a certified letter ( s ) in regard to addresses listed on my credit report which are not mine. I have never lived at the addresses listed below and I have already expressed this to the credit bureau ( s ) in which they still have these ownerless addresses on my file. The addresses that are not mine and I have NEVER lived at 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under FCRA 15 U.S.C. 623 " A furnisher must NOT furnish inaccurate consumer information to CRA. Also, " when Congress passed the Fair Credit Reporting Act ( FCRA ) required credit reporting companies, and the companies that give them information, to respond appropriately when notified of errors. '' These incorrect and nonbelonging addresses need to be removed immediately by law and Consumer right.
Product: Credit card or prepaid card

I made a purchase in Victoria secret with my card and paid it off, because I was triying to avoid late fee. The purchase was of around  XXXX  dollars and they changed me in total  XXXX  dollar in late fee because they returned several payments and did not notify me of the return payment. I was sure that the information I gave was accurate and until today I have no Ideas why they return the payment.   They never notify me that they were changing late fee and other fee and when I already made payments that put a t 0  my balance.   there is an abuse of power in this regards of their fess and how conveniently there are  XXXX  charges so the account is neve r 0  hence need to to play and there is late fee. this is a vicious cycle that allows them to make late fees and other fees.I never had a problem like this with any credit card I had.   I call the center very frustrated with the problem and they did not wanted to tell me what the fee were about and just said your last balance which is not truth.   I find that they are deceiving and praying on people that count on paying they card on time and is not an honest policy to have.   This account also has problems with setup auto debit which I have been trying to setup but it either do not authorize the problem or when I try to do it it is there the option but does n't allow me to change the setting such as the payment info and the day.   Finally conveniently the date that is was due I could not log in but the next day I was able so how curious that that has happened to me several times, and I tried at different times during the day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance Owed : {$510.00} XXXX XXXXBalance Owed : {$6800.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXXBalance Owed : {$1500.00} XXXXXXXX XXXXXXXX XXXXXXXXBalance Owed : {$420.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXXBalance Owed : {$500.00} Date Opened : XX/XX/XXXX
Product: Student loan

I have Federal Student Loans currently being handled by FedLoan Servicing. I have Federal and Private Student Loans with American Education Services. All of these loans, along with other Private Loans, have funded my undergraduate and graduate degrees. FedLoan and AES are both connected by the " Pennsylvania Higher Education Assistance Agency ''. I applied for the Student Loan XXXX. Some of my federal loans were taken over, from XXXX XXXX to FedLoan Servicing. Without my knowledge, FedLoan recalculated my loan term and my monthly payment nearly doubled. I had several unfruitful conversations with FedLoan. When the XXXX program became available in XXXX XXXX, I submitted XXXX applications : XXXX to XXXX and XXXX to AES. Since XXXX XXXX, I have been paying on the loans to XXXX companies that do not meet criteria for XXXX, and I have been threatened and harassed by XXXX companies for the rest while hearing no news of the status of my repayment plan applications ( which at this point have occurred repeatedly ). In fact, an amount near {$400.00} was debited from our bank ( by AES ) due to not processing requests to cancel Direct Debit payments. I have canceled my Direct Debits with XXXX companies at this point. There is currently an Administrative Forbearance on my FedLoan accounts, which I did not approve. Per statements, my loans continue to accrue interest that I am responsible for while FedLoan attempts to resolve this issue. Most recent documentation includes a request to call this company once again. The documentation I received before that was a letter stating that my XXXX application was denied " ... due to the following reasons : '' and the rest of the page was blank. I have requested that ALL of my Federal Student Loans be handled together, in writing, on the applications where this option is indicated. I do not know what to do anymore.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to company response # XXXX from CFPB!! 
ON THE RECEIPTS FROM XXXX XXXX 
I HAVE NOT USED THE CREDIT CARD!!! 
THESE RECEIPTS SHOW XXXX XXXXXXXX FEES AND LATE CHARGES AND INTEREST DEVOURING THE CARD!!! 
DOES NOT SHOW ME PURCHASING ANYTHING, SO HOW DO THEY GIVE ME CREDIT AND CHARGE ME ALL TYPES OF FEES AND I DIDNT USE THE CARD IN MY POSSESSION AND ALSO I LOST MY WALLET AND STILL DID CALL THE FRAUD DEPT AND TOLD THEM I LOST MY WALLET AND THEY TRIED TO SEND ME BACK TO CUSTOMER CARE WHEN THEY REALIZED I DIDN'T USE THE CARD, BUT XXXX XXXXXXXX CLOSED THE CARD BECAUSE OF NONUSAGE, BEFORE I LOST THE CARD!!! 
HOW COULD XXXX XXXXXXXX DO THIS, IT SHOULD BE ILLEGAL OR CRIMINAL TO GIVE AND TAKE BACK AND CHARGE FEES FOR NOT USING THE CARD AND PUT ME OR ANYONE INTO DEBT AND REPORT TO ALL 3 MAJOR REPORTING AGENCIES, XXXX, Experian and XXXX!!!!!!
Product: Debt collection

XXXX XXXX XXXX  card I had gotten behind and it became a chargeoff  account and I paid the settlement in amout of {$420.00} total need to.remove.this account LTD Financial Services is not in business no more. This account belongs XXXX XXXX and they need to remove the entire account from my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Address Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the presence of incorrect addresses listed on my credit report. These addresses are not mine, and I am requesting their immediate investigation and removal to ensure the accuracy of my personal information, as required under the Fair Credit Reporting Act ( FCRA ). 

The following addresses appearing on my credit report are incorrect : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My actual and current address is : [ Your Correct Address, e.g., XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ] Maintaining incorrect address information on my credit report can lead to confusion, misattributed accounts, and potential violations of my rights under FCRA 1681e ( b ), which mandates credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of consumer reports.

I request the following actions : Immediate Investigation : Review the incorrect address information and confirm that these addresses do not belong to me.

Correction or Removal : Remove all inaccurate addresses from my credit report.

Written Confirmation : Provide me with written confirmation of the changes made and an updated copy of my credit report reflecting the accurate information.

Please complete your investigation and respond within the 30 days required by the FCRA. Ensuring the accuracy of my credit report is essential, and I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

on XX/XX/XXXX someone tried to open up a new Chase Freedom Flex World Elite account. The letter stated that their unable to approve this account at this time. Also someone tried to open up a Chase account back of XXXX. This fraudulent has impact my credit score severe.
Product: Bank account or service

I bank with Chase bank and had a grandfathered Checking premier account which consist of no maintenance fee for the past 13 years. In XXXX XXXX, 2015 I was given misinformation by a bank representative which resulted in my account being converted to a new Checking premier plus account with monthly fees after I was ensured that nothing would change on my account but the name of the account. I have contacted the bank to fix this and I am constantly getting the run around. Please assist me in getting my old account back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and Transunion I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with XXXX XXXX XXXX about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was XXXX. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Someone was able to open up fraudulent accounts because they had all my info from the XXXX. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 


PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY XXXX XXXX  Account XXXX XXXX {$300.00} Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number ( XXXX ) XXXX
Product: Bank account or service

USAA bank have denied and have suspended our online banking access due to a prior debt that went to collection. This is sort of the same thing that XXXX XXXX XXXX XXXX is being sued for. It is unfair. We still have our money in that bank and we are unable to access our accounts online. We only have the mobile app. That said, it seems though we are being retaliated against. The bank is where people deposit their monies. It 's unfair to deny me online access to my account because I have a delinquent debt. The bank have a protocol to go through to collect debts. They were aware of that when they founded the bank and had their ribbon cutting ceremony that there would be losses. That people will fall short as we have. This account is over 15years old and still we have no access. Collections no longer report this debt, also the bank has wrote if off. Still, we are being penalized. Please help us. We are a military family and do n't have access to a local bank USAA in our area.. However, they are penalizing us by not allowing us access to online banking it is still under suspension. 

Thanks
Product: Credit card or prepaid card

XX/XX/2019 I received two separate emails from Synchrony bank stating a trial deposit has been successfully made to my account. I do not have a Synchrony account. One of the emails stated it was for Amazon CreditBuilder. I attempted to contact Synchrony and they told me I do not have an account so just ignore it. 
I researched on Amazon forums and this appears to be a larger problem as many received the same identical email today, and most of those affected have recently used Amazon for either purchases or sales.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion does not want to update my date of birth correctly on my credit report. I have sent disputes to Transunion on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  with a copy of my driver 's license as proof but to this date, nothing has been done to fix this mistake. Transunion is reporting that I was born in "  XXXX  ''. This is not true! My correct date of birth is  XXXX / XXXX / XXXX . I am including a section of a recent report as proof of Transunion 's mistake.   XXXX   and   XXXX   have the right information but I do not know where Transunion is getting their information from. Why has n't this been fixed?
Product: Credit reporting or other personal consumer reports

Ive opted out of the consumer reporting with the attached letter. Ive sent to XXXX, XXXX, & XXXX. They and the lender are refusing to opt me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report Chapter XXXX Bankruptcy, XXXX XXXX XXXX, XXXX XXXX  ( Acct XXXX and XXXX ), XXXX XXXX, XXXX and XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has inaccurate information on my credit report and I have proof.Transunion says one date and XXXX says another which is wrong and inaccurate meaning no one can even verify that I owe this account or this much. No one sent me proof of ownership with my signature of me signing anything. Please remove and delete off my credit report immediately.
Product: Credit reporting or other personal consumer reports

I have been paying all my bills, etc on time for months and my XXXX XXXX still stays a lot lower than it should. This has been effecting my ability to get credit severly. Experian hasn't acted on my request to encrease my score.Please help me to get this fixed .Thank you, XXXX XXXX