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

I would like to file a complaint on both agencies Transunion and XXXX for reporting inaccurate information in regards to one account XXXX XXXX XXXX XXXX. I have gotten results back from both agencies and both agencies are reporting two different XXXX removal dates within a 2 month difference for this one account to be removed which is impossible if they were reporting the information the creditor has furnished to them correctly. Transunion results has verified this account as accurate. 

TransUnions results XX/XX/XXXX federal 7 year removal date XX/XX/XXXX XXXX results XX/XX/XXXX federal 7 year removal date XX/XX/XXXX to my understanding 1681i ( a ) ( 5 ) ( A ) ( i ) if AFTER any reinvestigation a item remains inaccurate, incomplete or can not be verified the reported item is suppose to either be Modified to the maximum possible accuracy 1681e ( b ) or Deleted. This account has not been modified accurately. how is it possible that both agencies conducted a investigation with the same creditor and supplied me with results but both results reflect different FEDERAL information. the payment histories with both agencies report OK or NO DATA, there is no date of commencement of the delinquency, no last payment, no late pays leading up to the charge off status, further more proving that both agencies are not even reporting information in the payment history to help them determine the federal removal date. Both agencies payment histories on this one account are INCOMPLETE but transunion has the audacity to verify this account as accurate? to my understanding according to 1681c ( c ) ( 1 ) the 7 year period shall begin on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Such date is required to report and report accurately with respect to any delinquent account. Both agencies are reporting inaccurate and incomplete information and have illegally re-aged this one account and is not reporting what XXXX XXXX XXXX has furnished to them correctly. I've disputed with the consumer reporting agencies and gave them a chance to fix this account on numerous attempts, I have disputed with XXXX XXXX XXXX under XXXX tracking XXXX and waiting for there response in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my report from XXXX XX/XX/2021 & XX/XX/2021 ( XXXX ), XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XX/XX/2021 XXXX XXXX & XXXX ), XXXX XXXX XX/XX/2021 XXXX XXXX ) XXXX JPMCB XXXX XXXX XX/XX/2021 ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX XXXX ) and XXXX XXXX XX/XX/2021 ( XXXX ) all which I disputed because I didn't apply for those companies. I have even sent in letter for possible identity theft which all companies haven't responded to or said they would remove immediately
Product: Credit reporting or other personal consumer reports

Inaccurate Reporting of American Express Account On or around XX/XX/year>, and XX/XX/year>, I submitted disputes to XXXX, XXXX, and XXXX regarding an alleged American Express account ( Account Number : XXXX ) that is reporting on my credit file with a balance of {$2800.00}. My dispute specifically addressed concerns that the account was not being reported 100 % accurately and completely, particularly regarding the payment history.

Despite my disputes, all three Consumer Reporting Agencies ( CRAs ) have verified the accuracy of the reporting, yet their reports contain inconsistencies in how the account is being reported across the bureaus. This raises significant concerns regarding the completeness and accuracy of the investigation process.

Violations of the Fair Credit Reporting Act ( FCRA ) Under FCRA Section 1681s-2, furnishers like American Express are required to ensure the maximum possible accuracy of information reported to CRAs. Given that inconsistencies remain in my credit reports, it appears that American Express has failed to meet this obligation.

Additionally, FCRA Section 1681e ( b ) requires that CRAs maintain and follow reasonable procedures to ensure the accuracy of the information they collect, maintain, and distribute to third parties. The law states that CRAs must implement : Effective systems and procedures to ensure accuracy.

Protocols for reviewing and correcting inaccurate information.

Safeguards to prevent the inclusion of inaccurate data in consumer reports.

Given that the same account is being reported differently by all three CRAs, it is clear that these statutory obligations are not being met.

Concerns About the Investigation Process The CRAs verification of this account lacks transparency and raises the following critical questions : Was a reasonable investigation actually conducted?

What account-level documents were reviewed aside from the Automated Consumer Dispute Verification ( ACDV ) form?

Did the credit bureaus contact American Express and speak with a representative to verify details?

Did the credit bureaus review the FULL payment history, including all charges, credits, and adjustments?

Without a thorough review of original account-level documentation, it is impossible to conduct a meaningful and reasonable investigation. Simply relying on automated data exchanges like XXXX and ACDV does not satisfy the investigative standards required by the FCRA.

Requested Resolution I am requesting that : American Express provide a full and detailed account-level investigation into this matter, including a review of all original account documentation.

The CRAs conduct a reasonable reinvestigation, ensuring the reported information is fully accurate, verifiable, and consistent across all three bureaus.

If the account can not be verified with proper documentation, it should be deleted from my credit report.

I am seeking immediate corrective action and a clear explanation of the verification methods used to determine the accuracy of the disputed information.
Product: Money transfer, virtual currency, or money service

I met a person on XXXX XXXX years ago. Then in XX/XX/2021 I started sending him some money for investment/ loan thru bitcoin. I sent over XXXX to him over a period of 6 months. He sent me a check for XXXX that was part of my investment back but the check bounced. I am speaking to this man via video chat and he lives in XXXX. I have his drivers license info and where he lives. He told me he used the money to buy a house for his mom. He is refusing to give me the money back.
Product: Credit card

XX/XX/2015, Discover posted a promotion that advertised XXXX % cash back on purchases made with XXXX Pay. They amended the terms and conditions after the offer had started to add a condition prohibiting gift card purchases. Then, starting in XX/XX/XXXX, Discover arbitrarily and without proof began to disqualify entire purchases based on their hunch that the purchase might contain a gift card. In order to receive the cash back promised on the payment, the customer was required to provide receipts ( which has never been, and still is not, in the terms of the promotion ). 

I first received notice of disqualified purchases on XX/XX/XXXX ( attached : XXXX ), with additional notices on XX/XX/XXXX ( attached : XXXX ). I e-mailed Discover on XX/XX/XXXX to let them know that I had not saved the receipts from those purchases, but that they were all at least partially non-gift card purchases, and requested the XXXX % cash back that I was due. I received a response from Discover on the XXXX ( attached : XXXX ) telling me they would request my receipts from the merchant and I would hear back when they were done reviewing the account. 

It is now XX/XX/XXXX and I have n't heard anything from Discover since then. I would like my cash back, as I have paid an opportunity cost in using Discover over other cards at that time. The amount of cost in disqualified purchases was {$1800.00}, so I would be owed {$180.00} cash back on the purchases if the full amount were to be found eligible.
Product: Credit reporting, credit repair services, or other personal consumer reports

wrong address on credit report charged off account
Product: Checking or savings account

I am on my nephews savings account with Wells Fargo. He was scammed while selling his car on XXXX XXXX. He was not using his savings account but it stayed open with less than XXXX dollars. He did not let any of us know that his happened but the buyer of his car sent him {$2000.00} more than the sales price to wire to someone who was supposed to drive the car to the buyer. If anyone was informed we would have told him this was a scam. He originally went to his first bank XXXX XXXX and they would not give him {$2000.00} in cash so he went to Wells Fargo where he explained the situation and they gave him {$2000.00} which he wired to the Scammer. The check of course bounced. Wells Fargo then contacted me and let me know what happened and I immediately had my nephew call the police and open a police report I opened a fraud notice with Wells Fargo. We provided everything to Wells Fargo. I explained to them that my nephew was moving and to please let me know what was going on. Wells Fargo did not tell me they denied the fraud and said he was liable and the {$2000.00} was charged off. Because of this Wells Fargo closed my only credit card with them I had for 20 years as I have been a customer for 32 years. I opened a dispute with Wells Fargo and they would not acknowledge that I was not informed of the charge off and stood by the massive hit to my credit for closing my credit card.
Product: Credit card or prepaid card

XX/XX/2020 I stayed at an XXXX, that had a lot of safety issues. This property host failed to disclose that dogs were on the property. There was XXXX  XXXX everywhere I am highly allergic to dogs. According to XXXX policy, you can submit for a refund for a unsafe experience. It landed me in urgent care and I wound up paying over {$500.00} for medication because I was out of state. I submitted pictures, and proof/receipts and documents to XXXX first to resolve the issue and they ignored me. I then disputed it with my credit card company. Each time they issued me a credit of the amount, and then they would take the disputed amount back. This has been going on for almost 4-5 months of going back and fourth. I also provided them with proof of everything that they needed and they kept asking me for the same proof that I already provided. My credit card company then told me the only way that I could get a refund is if I provide them with a second opinion from a different company. I reached out to multiple companies for a second opinion and no one reached back out to me and my credit card company only gave me a certain amount of time to do this. I dont understand why my credit card company would not back me up with this especially if I took the proper measures of disputing. My dispute still has not been resolved, and right now my credit card is incurring fees because of this dispute.
Product: Credit reporting or other personal consumer reports

On Equifax there is a XXXX XXXX that has XXXX collections on there, which were removed and are still removed from XXXX and XXXX. But that collections agency put the collections back on Equifax. Equifax did not do an investigation because that collections should not appear back on my report It is clear that my information has been breached.
Product: Credit reporting

TransUnion is still showing a federal tax lien on my credit report which was removed and withdrawn by the Internal Revenue Service on XXXX. The other XXXX main credit bureaus properly removed this from my report
Product: Payday loan, title loan, personal loan, or advance loan

It has come to my attention that the company, ScratchXXXX Financial Inc., has reported that I owe money and have a signed contract with the organization. However, I must strongly dispute the accuracy of this information, as it is entirely false and misleading. 

I want to make it clear that I do not owe ScratchXXXX Financial Inc. any money, nor do I have any signed contract with the company. It is both inaccurate and unjust for such information to be reflected on my credit report, as it has the potential to harm my creditworthiness and financial reputation.
Product: Credit reporting or other personal consumer reports

I requested that my personal information be updated with the 3 major credit reporting agencies. As of this date this information has not been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT OUT DISPUTE LETTER TO ALL 3 CREDIT BUREAUS ( XXXX, EQUIFAX, AND XXXX  ) MORE THEN 60 DAYS AGO AND STILL NOT A WORD. 
THEY ARE DISREGARDING THE LAW BY NOT RESPONDING TO CONSUMERS DISPUTES AND HOPEFULLY THIS WILL BE THE LAST TIME THIS HAPPENS.
Product: Credit card or prepaid card

I have a gift card for {$100.00} dollars from American Express. Funds expired so I called the company to re-issue the card. The representative that I spoke said that they could not re-issue a new card being that the agreement didn't allow for the funds to be re-issued. I asked for a copy of the agreement. The representative directed me to the following : XXXX XXXX   XXXX I read the following section to the representative : Escheatment : Under certain states laws, if the Card is not used for a period of time, we are required to pay the unused funds on the Card to the state as unclaimed property ; if that occurs, we may deactivate the Card, but we will make the full unused funds available to you at your request and will provide you with a new card. For these reasons, if you attempt to use the Card and the Card is declined, do not assume that there are no funds left on the Card. Please check your Available Balance and call Customer Service for further assistance.

Representative, refused even after I directed him to this section so I requested to speak to a manager. I explained the same situacion to the manager which after I tried to explain the manager hang up the phone. I tried several other times and my call was not taken. 

It amazes me that even after the representative directed me to the card agreement - they chose which parts of the agreements they decided to honor.
Product: Debt collection

This company has harassed my entire family. They have contacted my ex-husband who had zero connection to me. They have left my first and last name and the reason for calling on family and friends voicemails. They have contacted my landlord who has zero relation to me. They have left personal information of mine on friends voicemails after being repeatedly asked to receive proof of debt then continued to lie and say they only did it once. I have proof of more than 37 calls dating back to XXXX  to friends and family and this has invaded my right to privacy.
Product: Credit reporting or other personal consumer reports

Requested that XXXX update my consumer report to show ONLY 1 NAME, DOB, AND ADDRESS THAT SHOULD BE ON MY CONSUMER REPORT. should show as presented below. They currently housing more than 3 variations of my name and address and they are all inaccurate.
Product: Credit card or prepaid card

I received a new credit card from JP Morgan Chase Freedom XXXX that I never applied for. It has my name came to my address and has a {$11000.00} limit. I called the back to see who applied for this when and where. Sent to fraud debt who after 40 min agreed to close the account. Im not sure who applied for this or if the bank just sent it.
Product: Mortgage

We closed on a loan earlier this year and Specialized Loan Servicing is handling our loan, including the escrow. We have received letters from the city of XXXX stating our tax payment has not been sent- even though there is plenty of money sitting in the escrow account. I've called them several times and they said they would do it- in fact one of the reps was extremely rude. I called city of XXXX yesterday and it has not been paid- and was told my husband and my name would be posted in the newspaper and folks who don't pay our taxes! It's very concerning that another company can be holding our money but our reputation gets ruined because they haven't our bill. Really disappointing.
Product: Credit reporting or other personal consumer reports

I was the Victim of ID theft again and was informed a XXXX  breach with some credit bureau included my information. I also changed my phone numbers and want a NEW Extended Fraud Alert put on my credit file with a new expiration date in 7 years from now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Transunion requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if Transunion chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX-Late/Open Late Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid full amount to sunrise credit services which is the third party collection company that the original creditor US bank are using. I have disputed the account and provided the evidence that was paid in full to the 3 credit bureaus and the results came back as " partially paid '' from account balance which is incorrect. They have told me to contact the lender which I have and they told me the account is settled so I do not know why the credit reporting agency is have inaccurate information.
Product: Debt collection

I was renting a property from XXXX XXXX from XX/XX/XXXX till XX/XX/XXXX that was deemed inhabitable via code enforcement. I received an email from XXXX stating on XX/XX/XXXX stating that they were releasing me from all debt via the lease and any expenses for me to move. I also received an email in XX/XX/XXXX stating they would give me a {$1200.00} credit and they would be processing my security deposit to refund me. Code enforcement Processed a lawsuit against them and they transferred me into another house. They charged me for damages on a house that caved in and deemed inhabitable due to sewage back up from the septic tank inside the house the the floor caving in. XXXX finally allowed me to move after XXXX  months of complaining once code enforcement got involved. 

When I transferred into another home they sold most of their properties due to lawsuits from tenants. When they sold the current home that I am living in to XXXX XXXX the balance that was transferred was {$4000.00} credit on my ledger. They sold this debt to Genesus, a credit collections company whom have been attempting to collect on debt that I do not owe. 

I don't owe any money to this company. They don't have a judgement or a lawsuit and they never refunded the original deposit. I had to pay a new deposit to move into the new home. 

This charge is fraud and they are trying to collect on debt that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows my auto loan from XXXX as a missed payment.
Product: Debt collection

A collection agency named Phoenix just reported a {$790.00} collection account on my credit report. I had no contact from XXXX in any way, before they blindly placed this account on my report. They are supposed to notify me, and give me 30 days to answer for it, before reporting this. However, they did not gave me that opportunity.
Product: Credit card or prepaid card

I bought a vanilla gift card, I think XX/XX/XXXX or XXXX XXXX for {$250.00}, used it once online. Next day I checked my balance & it was XXXX dollars. there were 2 transactions I didn't make one for {$110.00} & second was for {$39.00}. I called vanilla gift card customer service to stop the charges, but they told me it was too late, they already issued the money. They told me they were going to email me a dispute packet fill it out and send it to XXXX on XX/XX/XXXX I sent the dispute packet to -- -- -- -- -- Forwarded message -- -- -- -- - From : Date : Wed, XX/XX/XXXX at XXXX PM Subject : Dispute packet case # XXXX To : XXXX They told me to give them 90 days to a resolution. after the 90 days I called them at customer service many times, they keep telling me give them 48 hours for their dispute team to contact me, but they never do & customer service has emailed the dispute department & they say they have not received a response.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXXXXXX  : XXXX Secured Loan with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of XXXX 
I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of XXXX. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX  Charge Card with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$66.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX 
I am a victim of identity theft and I never opened this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I checked my credit report from Equifax. My score drop four points for no apparent reason. Equifax also continues to show accounts and inquires on my account that is passed the seven year time period. They also show accounts where they have not received any viable documentation that the debt is accurate
Product: Money transfer, virtual currency, or money service

I and my friend are XXXX XXXX. Last year, my friend wrote a check for {$5000.00} to me. I was using Chase 's bank account and he was using XXXXXXXX XXXX  account. After I saved that check in my bank account. Chase closed my account for no reason, and they didn't send that {$5000.00} back to me. Also, I'm not allowed to use Chase anymore. During that time, my friend has back to our country and his visa expired. Then Chase 's worker told me they need to call my friend to verify his identity or something. And they don't accept an international number. But my friend has no way to back XXXX. He is already graduated. They also told me if we couldn't do that, Chase will hold that {$5000.00} forever. My friend tried to call Chase even he is in XXXX, but they told him they need my permission first. When I called Chase 's customer service, they told me my friend need to call them first. Now, after 1 year, my friend won't believe me that I didn't receive that money cause that money has already transferred from his bank account to Chase. But Chase didn't give that money to me and they choose to hold it forever and their requirement is very irrational for me and my friend. I do need that money for my school fee.