23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Ive been trying to upgrade old US bank XXXX XXXX XXXX XXXX XXXX  to new XXXX XXXX XXXX XXXX. Old one has {$50.00} annual fee, new one has {$0.00} annual fee. Ive been trying to upgrade to new one since XXXX, but every time I call customer service, the representative said theres no offer for me to upgrade and told me to apply new card. If I open new card, I wont able to close old XXXX because of credit score and I would end up with XXXX credit cards, which the US bank is giving me misleading recommendation. Today I talk to manager, I asked how long it will take me to get upgrade offer and she told me there wont be offer for me in the future and told me to apply for new card to get {$0.00} annual fee XXXX XXXX XXXX XXXX XXXX. Ive been US bank skypass visa customer for long time. This isnt a right way to treat old customer.
Product: Credit reporting

On XXXX 2015, I disputed unauthorized inquiries with Transunion. I never received a response. When I called they said I needed to call the creditor and that I did not provide evidence so they will not investigate. My issue is some companies numbers are out of service and other companies told me to dispute it with the credit agency and they will respond to the credit agency to have it corrected. The problem is this is damaging my credit worthiness and if it is inaccurate why is it allowed to stay there. They refuse to investigate inquiries even though the companies told me that they do not have a record of my applying for credit. This is an unfair practice creating damage to my life and the children I care for, when something that I am alleging is wrong will not be investigated. I believe if I request an investigation then they should be required to investigate as it is damaging my credit that I am in the process of repairing. If this is how consumers are to be treated then before something goes on my credit, I should be notified and have it taken care of right then and not later that causes the Trans union refuses. This is the only company out of the XXXX companies that does this. Is this not illegal, is this a fair practice?
Product: Credit reporting, credit repair services, or other personal consumer reports

I needed to temporarily lift a credit freeze, and TransUnion is being uncooperative throughout the process. Ultimately, my credit has been unfrozen but TransUnion is not allowing me to refreeze my credit. 

I first placed my freeze through TransUnion via their website. I do not remember the exact date but it was approximately 5-6 years ago. Ever since that date, TransUnion 's website has indicated that my " freeze status is unknown '' and does not allow me to manage my freeze online. The website has not once worked correctly. 

Therefore, when I need to temporarily lift the freeze, I use TransUnion 's automated phone system. However, yesterday ( XX/XX/2021 XXXX when I attempted to temporarily lift the freeze, I was told " an error occurred '' by the automated phone system. I spoke with a human who told me that the freeze was actually permanently removed, although I did not ask for that to happen. To add insult to injury, that human representative tried to sell me a paid credit monitoring product even though their system glitched and caused me these issues. 

Today ( XX/XX/2021 ) I am ready to re-freeze my credit. However, I have tried through three channels and TransUnion will not place the freeze. 
( 1 ) Automated phone system indicates " an error occurred '' and directs me to talk to a representative, but I have waited on hold for a long time and nobody has answered my call. 
( 2 ) I tried logging in to my existing TransUnion website account and was told again that " freeze status is unknown '' so I can not place a freeze here. 
( 3 ) I tried completing the freeze process from scratch at transunion.com, but am told they can not place the freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. These are the inaccurate accounts that I want them to correct : XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXXXXXX Balance Owed : {$7400.00}.
Product: Payday loan, title loan, or personal loan

When I took out my first loan I was told if I pay it back in time, I will get a special rate which never happened they gave 27 % interest rate which was higher than the last loan which was 13 %. Also, the company is only putting my payment towards the interest and not the principle so my balance will never go down.
Product: Money transfer, virtual currency, or money service

My daughter sent me {$350.00} via Venmo on XX/XX/2024. On XX/XX/XXXX, when I logged into my account, I found out that this amount was withdrawn by an unknown person ( this is the only amount that was in my Venmo account ). I notified Venmo, had to provide proof that I was who I claimed I was, was assured by Venmo that everything was resolved. I still can not get in my Venmo account with a new password. The account with the old password is still active and somebody withdrew money again. My numerous emails to Venmo are unanswered.
Product: Credit reporting

There were inaccurate information and inquires that were deleted on my credit report and was reinserted with Transunion last week with no written notification stating that it will be reinserted.
Product: Mortgage

XXXX XXXX admits there was mistakes contrary to what she told you several times. 
Attached Note XXXX page two states XXXX is due to reinstate my loan. 
Please see 9Month. It states XXXX that {$48000.00} is needed to reinstate my loan. 
My payment is to be {$2600.00} 9 months of that equals {$23000.00} If we subtract that from the timeline ending XXXX {$59000.00} less {$23000.00} we get {$35000.00}. 
If anything XXXX made was accurate it would balance forward and backward. Here we see of 2 documents she produced one must be errant. 
No verbose statement fixes such an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquires on my report that I never authorized, I have not signed or applied to any of these creditors or companies who posted hard inquires on my report. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX these items above should be removed from my report immediately.
Product: Checking or savings account

I use my Wealthfront account as a secondary checking account. I had changed my direct deposit to this account on XXXX and my company processed payroll. I logged into my account today and it shows that my account is now closed. There was NO communication about this or any time for me to make other arrangements. Now I have to wait almost another week for the funds to get returned back to my company before I can get my paycheck. This is a terrible way to do business with your customers- at least give them the courtesy of a notice and time to make other arrangements and get the funds out of the account. This is an unfair banking practice that hurts the consumer!
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : LENDMARK financial services
Product: Debt collection

Mullen Finance is not correct. They are stating that my car was repossessed and it was not. I was not behind on payments. My car was impounded because of parking violations and was impounded during covid. I was working on coming up with the {$2600.00} to get my car out of impound and Mullen Finance picked up my car from the impound lot. The only choice that they gave me was to fully pay off the car as well as all impound charges. I did not have or could come up with {$11000.00} at this time, during covid when I was not even working. They were not willing to work with me at all eventhough I had always paid my car payment on time and had never caused them any issues. 
Since this happened, Mullen Finance has continued to do hard credit checks without my permission, docking my credit even more. 
Its like this is a sick game to them to ruin my credit and its worked. This repo on my record is causing major problems in my life, causing me to not be able to get a car and effecting my credit in a major way.
Product: Credit reporting or other personal consumer reports

I am filing this CFPB complaint to formally dispute the negative accounts listed on my consumer report. I request that you reinvestigate these accounts in accordance with the Fair Credit Reporting Act ( FCRA ), specifically referencing the following provisions : Accuracy and Fairness of Credit Reporting ( 15 USC 1681e ) Reasonable Procedures ( 15 USC 1681e ( b ) ). It is essential that all information reported about me is accurate and fair, and I believe that the current negative entries do not meet these standards. As per the FCRA, consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. I urge you to take immediate action to review the information related to my accounts.

In addition to the reinvestigation, I kindly request the following : Furnish a copy of your updated report.

A detailed copy of your reinvestigation procedure regarding my dispute.

All documentation pertaining to the negative accounts currently reported on my credit file. If any documentation can not be provided, I ask that the negative accounts be deleted as mandated by the statutes. 

Here are the details of the negative accounts I am disputing : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There are unauthorized accounts on my credit report. I request that these fraudulent records be blocked and deleted right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over 30 days and the creditor ( Bank of America ) has not updated the information NOR has provided proof or documentations regards to improper use of my credit. They have not supply this information and they must delete the alleged verified hard inquiry on my credit report. Under federal law they had 30 days to complete the investigation and provide written evidence and by failing to do so the negative item must be deleted from the report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letters in XXXX, XXXX nd called in XXXX and called all three agencies last evening XX/XX/XXXX about an account from XXXX XXXX. XXXX XXXX has been of no help and I have excellent credit but the inaccurate reporting of this account is detrimental to me. I have asked them to fix and investigate and they either ignored or moved the date of late payment which didn't happen to date of contact. 

XXXX says XX/XX/XXXX opened closed paid as agreed but updated last on XX/XX/XXXX Equifax says XX/XX/XXXX opened closed paid as agreed but updated last XX/XX/XXXX XXXX says XX/XX/XXXX opened closed and paid as agreed but last updated XX/XX/XXXX They are ignoring my certified letters to fix this error and most recent inquiry should be as of XXXX. This is only info I have on this account XXXX XXXX XXXX. They are not investigating my complaints and not updating me per US Code 1681. This is hurting my score even though still high and no one is helping or responding
Product: Debt collection

Have provided all hospitals with XXXX number to pay for medical bills. Never received anything from hospitals or credit collection agency about this medical debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian just sent me a brand new credit report in the mail and my request to have negative, false comments removed from specific accounts has been ignored again. I am left with no other choice but to keep filing compliants with the CFPB and now my state attorney generals office. 

I am attaching a scanned copy of the report that they just sent me. The following accounts have false and incorrect comments on them that say " Dispute and reinvestigation '' but they never fix any problems. They intentionally leave the dispute codes or comments.on there because they know that it impacts me getting approval of loans because it takes those account out of the algorithm. They are intentionally doing this because I stand up to them and file complaints. I want the comments that are circled on the attachment that is being uploaded removed permanently and i want them to stop putting these false comments on my credit report. They have no right, especially when accounts have not been disputed by me. This is illegal and this is an attempt to harm my financial status and they need to be be held accountable. 

The following accounts have comments that i am demanding be taken off. SEE UPLOADED ATTACHMENT AS WELL. This is important since most of these people that work for Experian are not even in our country and do not speak very good english. 

1. XXXX XXXX ACCOUNT : XXXX 2. XXXX XXXX ACCOUNT : XXXX 3. XXXX/XXXX XXXX   acccount number as on report XXXX 4.  XXXX/XXXX XXXX 5. XXXX XXXX XXXX XXXX : XXXX ( Never disputed, never late, why are you putting a dispute comment on this account ) Should say Open/Never late 6.XXXX XXXX XXXX : XXXX ( Account has always been in good standing why would I dispute this one. You intentionally put a false narrative on my account is should only state OPEN/NEVER LATE Remove all dispute codes and comments immediately. LOOK AT THE ATTACHMENT it specifically points out your intentional and false statements that must be removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX sent my unemployment mail to XXXX XXXX parents home, his mom gave me one letter and I never received my benefits, XXXX job esigns was also on my fidelity account fraudulently and my taxes were frauded and changed illegally. For some reason his parents address is on MY credit report and I've NEVER lived there, XXXX XXXX XXXX XXXX XXXX az XXXX.
Product: Credit card

An account I do not use was charged an annual fee ( {$39.00} ), and then a missed payment fee ( {$15.00} ) and interest ( {$.00} ). I called to close the account on XX/XX/2023. 

The account representative read me all of the information about closing the account and confirmed it had been closed. It was clear to me that no payment would be required because there were zero personal charges on the account, only the annual fee and other fees. 

After hearing confirmation the account had been closed, I considered the matter closed. 

The account was not closed. And additional fees and interest continue to mount. I was then informed ( today, XX/XX/XXXX ) by one representative that a closed account does not be the account is closed. They acknowledged the closure of my account from the XXXX call. Another representative on another call ( also XX/XX/XXXX ) said of course a closed account means the account is closed. She then put me on hold for XXXX minutes and then hung up. 

I have called XXXX times over several months to close this account and ask information as to why it can not be closed. It now shows I have a seriously overdue account on my credit report.
Product: Debt collection

I have been harassed by a collection company about a bill I am not aware of with XXXX. I have never had an account with XXXX. Back in XX/XX/XXXX a fraudulent charge from XXXX XXXX on my bank account was refunded to me by the bank. Then a few month later ( in XXXX ), I started seeing a collection on my credit report. When I contacted the collection agency named XXXX XXXX XXXX XXXXXXXX ( back in XXXX ), they wouldn't listen to me and just want me to pay. When I contacted XXXX they told me to either file a complaint or deal with the collection agency as they have no knowledge of the charge and didn't have any information about the account. I filed a complaint in XXXX and thought it was resolved. Then in XX/XX/XXXX, it's another collection company that reported the same amount on my credit report. I tried to call that new collection agency again to know more about the collection, but they too didn't want to hear anything but get paid. The reports from both collection agencies have hurt my credit score very bad. I have no knowledge of this account as I never had a XXXX account in my life ; therefore, I never owed them anything. I want this collection out of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

back nXX/XX/XXXXn XXXX i had a hard time iam in florida and we had a real bad stome i file a complaint on dis same website asking for a good will adjustment and the company said they will update my report they did not so they i wnt all da accrs remove asap
Product: Credit reporting or other personal consumer reports

None of the reporting agencies XXXX XXXX or trans union have been reporting efficiently on all three reports. There are agencies unrecognized claiming to collect debts that don't belong to me and there's inquiries that i did not consent to. Pursuant to the fair debt collection practices act 15 United States Code 1692, all collections that don't contain original signatures and consents need to be removed from my credit. No agency has been able to send proof of obligation to pay. According to 15 US code 1681 ( c ) 2 all charge-offs need to be removed from my credit immediately according to 15 in US code1692 and 1692 ( g ) all collections you need to be removed without original consent and signatures and according to 15 U.S.C 1681 b ( 2 ) ,15 US Code 1666 ( b ) and 15 US code 1637 ( a ) all late payments need to be deleted off my credit report immediately and any and lastly under 15 US code1681 ( n ) all hard inquiries must be removed from my credit immediately. All three bureaus have refused to update their information so that they all reflect the same information and that is against the law and needs to be removed so that all three bureaus reflect the same information. The bureaus refusing to make these corrections constitutes as willful ignorance and Civil Liability for Willful Noncompliance underneath U.S. Federal law and has grounds for penalties of {$1000.00} per each violation not corrected under U.S.Code 1681 ( n ). I have contacted all the bureaus and agencies and have requested that all these charge offs and negative marks be removed, but the bureaus have willfully non complied under The False Claim Act 31 U.S.C. 3729
Product: Credit reporting or other personal consumer reports

The persistent presence of fraudulent, inaccurate, and misleading information on my consumer report continues to wreak havoc on my financial and emotional wellbeing, despite my repeated efforts to address these unauthorized entries. As a victim of identity theft, I never authorized or consented to these items being associated with my name, yet their continued presence has created an overwhelming burden of stress and XXXX that affects every aspect of my daily life. The psychological impact of watching these fraudulent entries damage my credit standing, despite my best efforts to resolve the situation, has become increasingly difficult to bear.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an account on my credit that was inaccurate ( XXXX XXXX XXXX ). I sent a dispute to the the company, but the address listed on the credit report was inaccurate and the dispute was returned to me as undeliverable. 

It's not legal for an account to report inaccurate address, so that a consumer is not able to dispute the account. 

It's been over 30 days and the account is still reporting negative information to all 3 bureaus.
Product: Debt collection

I have sent documented requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently on XX/XX/XXXX requesting validation of this debt with my wet-signature where I have entered into an agreement with this company. This company is not able to nor have Midland Credit Management supplied me with any documentation where I have entered into an agreement or binding contract with them. 

The most recent bully tactic being used is a lawsuit threat dated XX/XX/XXXX for services I have never received from Midland Credit Management. I am being harassed for {$2200.00} worth of debt from this company and it is preventing my ability to gain credit because an egregious debt from Midland Credit Management is listed on all three of my credit bureau reports.