23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On my TransUnion credit report, XXXX XXXX XXXX is showing as a delinquent account when this business is no longer open nor no longer has my home mortgage. I have asked for the delinquent and the account to be removed from my report. My home mortgage is current. This delinquent account is affecting my credit score. I also notice that I have a different credit score for each credit bureau but each report shows the same accounts. I see that my XXXX shows a student loan that I do not have.
Product: Debt collection

XXXX XXXX XXXX has harassed me trying to collect a credit card debt XXXX, after being informed over and over again that my only income is XXXX XXXX XXXXXXXX Social Security. I sent a Cease and Desist letter in XXXX. They have got a garnishment order twice in XXXX XXXX Kansas District Court and my Credit Union has charged me a {$60.00} garnishment fee which caused my account to overdraft and took out the {$60.00} fee from the next month 's Social Security deposiXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 TRANSUNION received written instructions from me pursuant to 15 USC 1681b ( a ) ( 2 ) permissible purposes of consumer reports ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I gave TRANSUNION 30 days to remove every account, all inquiries, and to send me an updated copy once completed. TRANSUNION did not do follow my instructions. Thats a violation. Nothing changed and I hadnt received anything yet. XX/XX/2021 I sent TRANSUNION another letter pursuant to 15 USC 1681b ( a ) ( 2 ) giving the exact same written instructions like Ive stated in the first letter. A letter dated, XX/XX/2021 from TRANSUNION stated, We understand that recently something on your credit report did not seem right to you. We take this matter seriously, and we want to make sure your Transunion credit report is accurate. Its our commitment to you. In the pages that follow you will see a full copy of your credit report. So, I went through my consumer report, again. XX/XX/2021 I sent TRANSUNION a third letter stating the same written instructions as well as IDENTITY THEFT REPORTS! XX/XX/2021 TRANSUNION sent me a letter claiming they could not process my requests. Now, I would like to know at what point did I give consent for TRANSUNION to furnish anything let along the audacity to disregard THREE written instruction letters? Thats a violation pursuant to 15 USC 1681o civil liability for negligent noncompliance. Not to mention, the use of obscene and profane language claiming I owe any alleged debts, when in fact, I used my credit card pursuant to 15 USC 1602 ( l ). Pursuant to 15 USC 1681a ( d ) Consumer Report. ( 2 ) Exclusions. -Except as provided in paragraph ( 3 ), the term consumer report does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. My credit card was used to initiate a credit transaction. Everything that aroused from my credit card, should NOT be on my consumer report. I want the following credit transactions removed as soon as possible. Also, deletion is admission. I am seeking monetary relief as well for the damages caused by TRANSUNION.
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts on my credit report this evening, and Im completely clueless as to how they got there. When I checked it as I normally do, I noticed these discrepancies that seemed to appear out of nowhere. I even refreshed my browser, thinking it could be a glitch, but the errors didnt go away. I need assurance that the documents I've submitted will be thoroughly reviewed, so I can finally stop worrying about this.
Product: Credit card

My credit card was fraudulently used at the XXXX XXXX in XXXX at XXXX XXXX on XX/XX/2024, for {$1000.00}. I never authorized this purchase. My card was in my possession at the time, and I was at workwhere I have camera proofwhen the transaction occurred. 
Bank of America has denied my fraud claim and is refusing to take responsibility for the unauthorized transaction of {$1000.00} on my credit card. 
To pursue a second appeal with a high chance of winning this case, I would like to file a police report. However, before going to the police department, I need to provide bank statements and the Bank of America fraud affidavit form to complete the report. Unfortunately, I was unable to obtain a copy of the fraud affidavit form from either the Bank of America branch at XXXX XXXX XXXX in XXXX or from the Bank of America Claims Resolution Department ( XXXX and XXXX ), as they did not have it available. As a result, I could not file a police report at the XXXX XXXX because the officers stated they only accept the official Bank of America affidavit form. 

A representative from the Claims Resolution Department advised me to file the police report on the police department 's website. Unfortunately, I was unsuccessful again, likely because the value of the fraudulent transaction exceeds {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is in collection please provide me the original purchase agreement which includes the terms and conditions legally stating that I'm responsible for this account. Need this information in 30days or remove from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$57.00} XXXX XXXXXXXX Balance : {$5000.00} 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax is disingenuously tanking my credit score. I have been keeping an eye on my reports for the past several years and watched it go up and down and I've investigated as to the reasons why, and it's always been for reasons that could understand, but on XX/XX/2021 my score dropped twenty-nine points for no reason at all. The fact is that it should have risen because there were four reported balance decreases. I spoke with a representative from Equifax that double talked to me. When I asked why my score dropped so dramatically on that particular day I was told that they did not keep day to day historical data. On that day my XXXX score was and still is XXXX and my Equifax score was XXXX. It dropped to XXXX and the reason was because there were four balance decreases reported that does not make sense. My question is how could my score take a drop like take for no reason and if there were a reason why didn't my XXXX score drop if they are both using the same system to grade credit worthiness.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my XXXX WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I XXXX be entitled to under Section XXXX and Section XXXX regarding your continued willful and negligent noncompliance. 

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. You stated in your responses to my XXXX dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after XXXX written requests is also evidence of your Willful disregard of XXXX XXXX. 

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and XXXX will order you to delete them. 

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of XXXX { a } { XXXX }. 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of XXXX XXXX and evidence of your willful disregard of the law. 

Please be advised that under Section XXXX { XXXX } { A } of the XXXX are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately. 

The law is very clear as to the Civil liability and remedy available to me { Section XXXX & XXXX } if you fail to comply with XXXX XXXX. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I DEMAND THAT YOU DELETE ALL OF THE ACCOUNTS LISTED BELOW IMMEDIATELY. PLEASE PROVIDE ME WITH A COPY OF AN UPDATED AND CORRECTED CREDIT REPORT SHOWING THAT THESE HAVE BEEN DELETED. 
Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX  Date XXXX Account XXXX Reason for disputeXXXX XXXX  Account XXXX Account NameXXXX XXXX_________ Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account Amount__________ Account Name XXXXXXXX XXXX XXXXate XXXX Account XXXX Reason for disputeXXXX XXXXXXXX Account Amount_ XXXX
Product: Bank account or service

I asked for a " chip and pin '' debit card and received it a few weeks ago. I was told that it would n't be like a previous card I had that used a chip and would work by waving the card around, seemingly magically. I assumed it would work with a pin number but I have had a different experience than I expected. The bank ( in my case, it 's J. P. Morgan Chase ) has chosen to implement a system whereby for the most part, the chip replaced the pin number. I do n't like this because if I should lose my card, it is immediately usable by anyone who finds it. I want my card to be like it was before, but with a chip.
Product: Checking or savings account

" A direct deposit, in banking, is a deposit of money by a payer directly into a payee 's bank account. '' - XXXX By refusing to accept a disbursement from my XXXX IRA as a " qualifying direct deposit '' for their promotional offer, Chase is discriminating against my source of income, acting in bad faith, and deceptively advertising their promotion.

Chase bank has advertised a promotional offer, whereby they promise to pay a {$600.00} bonus to customers who open a checking and savings account, deposit and keep {$15000.00} in the savings account for 3 months, and make a direct deposit to the checking account. Chase does not specify an minimum amount or frequency for the direct deposit, but they do give some examples of what won't be accepted for the purposes of the offer, such as micro-deposits or person-to-person payments. An email I received XX/XX/22 from Chase 's customer service stated : " Please be reminded that a Direct Deposit is whether your paycheck, Social Security or another source such as a pension or retirement plan credited directly using your account and routing number. '' After completing the requirements and not receiving the bonus, I contacted Chase who connected me to a special department, a liaison office between the customer and what Chase refers to as their " E-coupon department. '' In phone conversations on XX/XX/22 and XX/XX/22, I was told repeatedly that transfers from a retirement account would qualify, but that the direct deposit from my XXXX IRA was " coded '' as coming from an investment account. The CSR suggested that if I provided a screen-shot showing the deposit was from an IRA, Chase would honor their offer. However, after providing this evidence, in a phone call on XX/XX/22, the CSR changed her story and said that IRA distributions would not be accepted for this promotion. 

For the record, XXXX XXXX, XXXX, and Chase on previous occasions, have accepted - without issue - a distribution from my XXXX IRA as satisfying a direct-deposit requirement. 

Since my direct deposit met all requirements, except, according to Chase, the SOURCE of the deposit, and since all of my income is from XXXX and other bank deposits, it really does seem that Chase is discriminating against me based on my source of income.

Beyond this, it really seems that Chase is going out of their way to snub customers, despite the fact they have FULFILLED ALL THE FINANCIAL REQUIREMENTS of the offer. If the purpose of the offer is to gain more happy customers, Chase is achieving quite the opposite. 

By any normal definition, an electronic payment of my IRA distribution from XXXX to Chase IS a direct deposit, and Chase stated on three occasions, that a deposit from a retirement account was acceptable, so I am asking Chase to pay the full {$600.00} bonus to my account, as per their advertised offer.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT ; I RECENTLY RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THOSE FRAUDULENT APARTMENTS RENTAL. THOSE FRAUD ACCOUNT NOT BELONG TO ME AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 


XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX WITH A BALANCE OF {$15000.00} IS A FRAUD COLLECTION ACCOUNT AND I NEVER LIVE THERE OR AUTHORIZED ANYONE TO USE MY IDENTITY FOR THEIS APARTMENT. 



XXXX XXXX XXXX OR XXXX XXXX AT XXXX XXXX WITH A BALANCE OF {$39000.00} IS A FRAUD COLLECTION ACCOUNT AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 



THANK YOU FOR YOUR HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan, refinance with XXXX on XX/XX/2019, and was denied credit on XX/XX/2019 because Experian reported that i had no credit, code XXXX. I went to freecredipt report and got all there credit reports, all were fine. I opened an account with Experian to view my credit score and my account showed the same thing, no recent credit activity. I went to dispute my account and that is where the problem began. I followed the link to disputes, but there is no way to dispute a problem with my account because of Experian 's, i guess with their software, causing it not to use my credit information that they have. My credit report from Experian is fine. it shows 49 account with all of my credit activity. I called them regarding this issue and was transferred back and forth form disputes to membership six time. Experian 's reps kept telling me that I have no credit activity to generate a credit score. I explained that I just generated a credit report from Experian that showed my accounts and activity, the system they were using on their end did not generate the same report. they kept telling me I had no accounts or activity. I was on the phone with Experian for 2 hours, finally asking for a supervisor. Experian finally understood that the problem was on their end. Experian forwarded the issue to the fixing department and said it should be fixed within five business days. My biggest issues is. there is no was to raise issues on Experian 's website to raise questions about how they, Experian, wrongly report credit like they wrongly reported mine. I didn't see any drop down question at this website, CFPB, either. I guess my problem is not common but Experian 's wrongly using my credit activity and accounts, through their system, caused an adverse credit report and credit denial. Another issue with Experian is their customer service agents are not trained on the issue that affected my credit, believing their system could not be wrong. I think the five business days to correct this problem is also excessive. Experian should be able to immediately fix the problem where their system is the cause.
Product: Mortgage

I am a customer with XXXX XXXX XXXX XXXX for my home mortgage. My monthly payment is XXXX and I pay through automatic payment each month. However, on XXXX, my month payment increased to XXXX due to XXXX changes. I did not aware of this payment increase. On XXXX, I realized my automatically XXXX payment was returned by XXXX XXXX, because their system can not process partial payment, and they charge {$220.00} as late fee. I called the bank and asked them to refund me late fee many times, they rejected the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I do not always have access to all of the information that is being reported on my credit report so I feel like I am being take advantaged of.
Product: Checking or savings account

I'm going through a hardship right now due to being laid off of work. I explained to Mountain America Creidit Union that I was going through a hardship. They placed an extention on my account to miss a month and extend the payment due for 30 days and if I needed more time, to communicate with them. I paid after the extention, the regular car payment. I was falling behind again on the current payments because I just got another job and wasn't going to be getting paid until another 2 weeks. I was sent an email XX/XX/2023 to call Mountain America as soon as possible. I talked to a rep from the bank and told her that I wasn't going to be getting paid until 2 weeks. She said " Ok thank you for letting us know, I'll make a note that your going to be paying in 2 weeks due to getting a new job and having a new payday. '' I also was not told that she was a Senior collector, so I was under the impression that she was a loan officer. She said " we just want to check in to make sure everything is going ok and thank you for updating us. '' She did not tell me that they were going to automatically take out the full payment from my account the next day for XXXX. I had checks pending for utility bills that I had already made arrangments with. Those checks bounced and the bank charged me XXXX non sufficient funds fees XXXX each and my utilities got shut off. If I was told on the phone call with the XXXX  collector that the money was going to be taken out automatically the next day on XX/XX/2023, I would have changed the arrangement made with the utility companies. It was misleading for the XXXX  collector to tell me " thank you for letting us know, I'll make a note of that '' because I was under the impression, the note she was making was an agreement for me to pay in XXXX weeks. I called the bank and was told if the account goes 45 days late the bank takes out the money automatically. I explained to them that an extension was put on the account due to my hardship and the extension was for 30 days and should not be added into the 45 day count down for automatic deduction from my account. I was told " sorry we can't help you ''. I don't think it was fair for the bank to make a hardship agreement with me but penalize me when I was still curently in the hardship and not explain to me thoroughly what the terms were of the XXXX extension on my account. It was also not fair for them to charge NSF fees twice for money they took out automatically without my authorization or even a notification to let me know it would be deducted from my account. I would have been aware and would have stopped the arrangement with the utilities company who at the time was willing to work with me. 
Thanks
Product: Credit card

I have a credit card with Citi bank Simplicity card. On XX/XX/XXXX my mom lost her card which is the same number as mine, after she paid her XXXX center. Then after i went online and place a hold on my account so no charges could be put through, I find out there are XXXX in additional charges on the account. I ask them what it is, and the first charge is for XXXX which was for a charge for something that i did not receive that was cancelled. When i called Citi bank they made me hold for 54 min, and continue to disconnect the call, and then lied to me and told me prior to that the charge went through on XX/XX/XXXX when i have proof it was charged on XX/XX/XXXX after the lock date on my chard. now i have an additional XXXX of charges on the card which they still keep avoiding on explaining what the charges are, and keep passing me around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute letter in regards to the incorrect items on my credit Report. Its been a week over 30 days and i have not received any information.
Product: Debt collection

To whom it may concern. I have reported fraud on my account with Equifax and also provided them with a copy of my police report, proof of address, proof of identification my driver 's license, and a copy of my social security card, proof with my passport and Equifax is still not acknowledging all the proof that I presented. Equifax still continues to give me a hard time removing this wrongful address not associated with my profile. Also, have an open account on my report from XXXX XXXX XXXX XXXX. 

I am disputing an error on my credit report regarding XXXX XXXX XXXX XXXX, This account is inaccurately reported as open under collections. Collections should not be reported as open.