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

My name is XXXX XXXX and I have an open auto loan with XXXX XXXX  which was categorized as derogatory and had late payments. This was a mistake by XXXX XXXX and I was able to resolve the issue directly with XXXX XXXX and they provided a letter stating that the issue has been resolved and the account will now be reported as current and all remarks relating to reposession have been removed. ( see attachments ) XXXXXXXX XXXX provided a letter in XXXX, XXXX, and XXXX. They also called each credit bureau and informed them that the account should reflect as current. All of the bureaus have corrected this problem except transunion. 
Transunion removed the late payments from the account but they have not been able to remove the negative remark which states " redeemed repossession ''. Transunion momentarily removed the redeemed repossession '' statement in the month of XXXX when they received a call from XXXX XXXX  asking to fix the problem but for some reason the negative remark reappeared in XXXX. Then in XXXX I called XXXX to inform them that the negative remark still remains in my report and they called transunion to make the correction again. It was fixed temporarily but then again in the first week of XXXX the negative remark was added again. I then called XXXX again early XXXX and they called Transunion again, which fixed the problem temporarily but then the derogatory remark was just added again on XX/XX/2023. 

I have also included screenshots from my XXXX XXXX account which shows my transunion score fluctuating every month when the negative remark and delicuent status are added back on after its been removed.
Product: Credit reporting or other personal consumer reports

My multiple efforts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These erroneous entries continue to severely impact my life, resulting in considerable stress and XXXX. I must emphasize that I never authorized or consented to the association of this information with my identity, as I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$2400.00} {$2400.00} This is not my account. Please remove
Product: Debt collection

ABILITY RECOVERY SERVICES LLC {$1500.00} My information was exposed in several data breaches and several accounts were opened with unauthorized, fraudulent use. 

XXXX XXXX XXXX  {$1500.00} ABILITY RECOVERY SERVICES {$1500.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - unauthorized, fraudulent use
Product: Debt collection

TODAYS DATE : XX/XX/2019ATTENTION DISPUTE DEPARTMENT COMMONWEALTH FINANCE Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCE I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting

I had a XXXX account and it was turned over for collections back in XX/XX/XXXX. I returned the equipment to them in XX/XX/XXXX due to finding them in storage because they were loaded on the moving truck with other stuff. XXXX turned me over to collection company called XXXX and I seen this on my credit report. I filed a dispute on this and explained to them that this had been resolved in XX/XX/XXXX. They removed this from by credit report in XX/XX/XXXX. The amount was {$1000.00}. On XX/XX/XXXX it reported back on my credit report again. I disputed it once again and now it is under a company called Enhanced Recovery Company. I called them and told them to remove this and she said no I cant do that you owe the debt. Explained to her that this was disputed in XX/XX/XXXX and once again XXXX has turned it over to another collection company after it being removed in XX/XX/XXXX because I did not owe the amount. They are falsely reporting account to a collection company and I would like something done about it. I called XXXX and they said they would have to look into the credit and they can not have the account pulled from this new collection company Enhanced Recovery Company. I want something done about this at once or I will be contacting an attorney and the FDCPA will be reviewed.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is currently reporting inaccurate information on my credit file. this is a violation in pursuant to FCRA USC 1681 ( 5 ) ( i ) .TREATMENT OF INACCURATE OR UNVERIVIABLE INFORMATION ( A ) IN GENERAL : If, after ANY REINVESTIGATION under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED the consumer reporting agency shall- ( i ) promptly delete that item of information as appropriate, based on the results of the reinvestigation. I have notified TransUnion i have directly contacted XXXX XXXX via USPS certified mail requesting VALIDATION OF DEBT. ( see enclosed letters to XXXX XXXX dated XXXX XXXX, XXXX, XXXX, XX/XX/2021 ). XXXX XXXX never provided VALIDATION OF DEBT as in accordance to the FCPA and the Administrative Procedure Act. In addition XXXX XXXX Acct XXXX payment history is being reported with different payment history to TransUnion than XXXX XXXX On my TranUnion credit file there are ( figures and codes ). On XXXX credit file is states ( No Data Available ) on credit report. These inaccuracies are damaging my credit. These violations are causing financial, and emotional damage. Futhermore TransUnion is currently reporting a fraudulent inquiry from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX
Product: Debt collection

I do not have a case # yet as I have not received notice of any pending action. The collection company seized my bank account leaving me with a {$0.00} balance for a debt that is too old to sue on without properly notifying me and from a bank account that has exempt funds on it. It is in the XXXX XXXX XXXX in XXXX XXXX, MI. This is the second time they attempted this and were ruled against last time which was about 7 or so years ago. This debt is about 12 years old. I have collected unemployment on this account and I do have food stamps and am considered indigent. Please help me. The law firm representing them is XXXX - ( XXXX ) XXXX and ( XXXX ) XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI. ATTNY : XXXX XXXX XXXX.
Product: Mortgage

Good day, I am writing this complaint, because while in the loan modification process. I have been advised that a sale date is still being scheduled on my property. I have been cooperating with the bank and going backa nd forth in submitting documents for a fair review to lower my monthly mortgage payement. Please help me out as I do n't want my property to go on sale. This is my home and my childrens home.
Product: Money transfer, virtual currency, or money service

I send {$2000.00} to my sister last XXXX XXXX using the Moneygram it was supposed to go to her bank account but the problem was her last name was incorrect but her bank account was right. After 2 days I called the money and amended the problem fixing her last name and they told me that it would take XXXX business days so I waited for 7 days and I called them back and they told me that the money was send to her bank account but when my sister went to bank they told her that the money was not deposited in her account so I called the Moneygram and asked them where is my money and they said it was refunded through my bank account so I called my bank and I told them what was going on with my money so we filed a resolution because money told me that my money was refunded XX/XX/2021 but no money was deposited in my bank account. My bank and I flied another resolution but I am getting the same answers my told me to resolved the issue with Moneygram but when I called the Moneygram they told me that I had to called my bank institutions because they deposited it backed to my account but when I asked them to give the transaction number they said they are not allowed to give it to me. Its been so stressful in my side that the money I asked for a refund until today they never give back to me.
Product: Debt collection

Asset Recovery Associates called me, my brother, and my parents to say I owed {$10000.00} to The Finance Company. This was an attempt to collect a debt from XXXX. I was n't working then, and I do n't know of anyone who will give a loan to an unemployed applicant. Told my my car and license plate number, listed several addresses that I never lived at, and told me I was due in court in XXXX, NY on Friday, XXXX XXXX, XXXX to answer for the judgement. I have never lived there, and do n't understand why they would sue me there. They said they would settle for {$2700.00} if I paid them {$490.00} by the end of the work day yesterday. I was told my wages would be garnished. They said their client would get their money one way or another.
Product: Debt collection

this company have been continually calling me and once I told them to stop, they started to email me. I have explained to them several times, that I did NOT open this credit card. Even the name of the company is suspicious. I have other credit cards, that are in good standing, and I have asked them to provide me with a contract, a statement that itemize where I spent the " suppose '' money and they have never responded, just trying to settle the debt. It is also curious for me that it has been removed from XXXX, and XXXX, but they continue to report it to XXXX.
Product: Debt collection

Upon review of my credit report I noticed XXXX XXXX XXXX XXXX reporting an alleged debt. I searched the Texas Secretary of State 's website to verify they are bonded and legally able to collect a debt in Texas, for which they are not. I conducted my search by name and address ; the address search yielded the registered and bonded company name of XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX was not listed as a registered dba as required by the secretary of state.  I sent a letter to XXXX  requesting they remove their reporting and cease their attempts of collecting this alleged debt, for they are operating against the Texas Finance Code for not meeting the bond requirements, and for misrepresenting their company and trying to collect monies under another name other then the true business name. XXXX did not honor my request, yet responded by sending a statement.
Product: Mortgage

I applied for a mortgage with Fifth third Bank and qualified for a FHA loan XX/XX/2022. The loan went to underwriting on XX/XX/2022 from there on challenged what my last name was even after I presented everything thing they request ; driver license, social security card, tax returns, paternity letter, birth certificate, check stubs. This went on for three months when my closing date was set for the end of XX/XX/2022. Even after my identity was cleared up FHA continued to ask for letters to explain who my wife is and if we were married, inquires on my credit report, my past residence, among other letters that I provided to them repeatedly up until the seller cancelled our contract on XX/XX/2022. I feel discriminated against because even though it all each time I tried to contact fifth third bank via phone I could never get a response.
Product: Credit card or prepaid card

OKAY, this company I have had absolutely the worst service with and I will attach all the other issues/ reporting done on this site. I must say the Customer Service has really gone DOWN hill. 

previous issues were speedy and customer service was simple. 

this issue is simple 2 payments where made on the same day and they only allowed 1 to process creating a shortfall on total paid and then cut off my access to credit protection as if I made the payments untimely.. 

this is now the 7th issue and plus they closed the card in retaliation of last filing. NOW THEY ARE REPORTING THIS CARD XXXX LATE. 

total balance is {$250.00} and I request they pay this card off. I'VE CALLED ENOUGH
Product: Credit card

I took care credit card for dental work. Last year it had a promotional offer and i was just paying fine. Turns out my amounts increased drastically and when i started looking more into it there were crazy fees. I called them and asked what they are, and they said that I have signed up for their payment protection. I asked them to prove to me that I did, and they keep on sending letters that I did, but actually no proof of me clicking anywhere that I did. 

I asked that they remove the fees since they are the lowest of XXXX dollars to XXXX a month and they refuse. 

My next step is to take them to small claims court if this is not rectified. But I am not paying over XXXX dollars in fees.
Product: Money transfer, virtual currency, or money service

I was going to California check cashing here in XXXX and one day I went there and cashed a check and after I asked for a print out of the checks I cashed there for the state controller 's office and I noticed there where checks on the paper that I did not cash I talked to the XXXX manager there at california check cashing and told her there are checks on this paper that I know I did not cash I asked her please do not allow anyone to cash any checks of mine here because they are stollen well XXXX weeks passed and i went back in there and got a print out and at that time there was XXXX pages of checks know i told the same person XXXX the manager i asked her why is all these checks being cashed she told me she didn't know that it wasn't her so i got the number to the corporate office and called them and the lady XXXX said to call and make a police report and I did that the case number is XXXX AND XXXX XXXX XXXX XXXX AND XXXX and every check has finger prints on them and they are not mine
Product: Checking or savings account

I received 3 overdraft fees on XX/XX/19 from Chase Bank for {$34.00} each. I was told by the bank that XXXX XXXX EST is the cut-off time for credits/debits/transfers to my account. Ive also enrolled in text message alerts to inform me immediately if my account balance is overdrawn or below {$25.00}. 
On XX/XX/19 I checked my account right before XXXX XXXX EST to ensure the account was positive and in good standing. I keep money in other accounts and transfer to this account if necessary to avoid fees. No changes were necessary and I did not receive any alerts. I went to bed. 
The next morning I awoke to 3 fees for insufficient balance. I called Customer Service who said theres no evidence of the alert system warning me of any balance issue, and that right at XXXX my balance was positive. However customer service refuses to reverse the fees. The debit that went through the account is posted-dated XX/XX/19 on my bank statement yet my fees were generated from XX/XX/19 for a purchase of $ 189+ that was not present, pending or otherwise in my account at XXXX XX/XX/19 - the cut-off time Chase Bank has communicated to me as the time when any additional transactions toward the next business day. So if after XXXX I can no longer alter my account for my benefit, Chase should also not be able to break their rule to take fees from me. I escalated my complaint to a supervisor and they too refused to reverse the fees. I asked for a manager and I was told they will call me but the manager has not and I feel ignored and robbed. 
I am requesting that Chase Bank be forced to follow their own rules regarding post/ pending cutoff times and also return my {$100.00} dollars they took from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Bank account or service

In XXXX of this year I signed up for a Citibank Citigold Checking Account with the promotional code XXXX to get XXXX miles with a {$1000.00} debit spend and 2 bill pays in 2 consecutive months. On XXXX XXXX, because of some issues, I messaged Citibank to confirm that everything was on track for me to receive this promotion. The following is the chat I had with XXXX from Citibank about this issue. He confirms that the promotional code is on my account and I am well on track for the XXXX miles. I recently reached out to them to see where my miles were and they are now denying me the miles. Please help me. Here is the chat : You are now chatting with XXXX XXXX : at XXXX hello XXXX XXXX : at XXXX i had a question about my citigold account XXXX : at XXXX Hi XXXX. Welcome to Citibank Live Chat. My name is XXXX, how may I help you today? 
XXXX : at XXXX so the reason i opened this account XXXX : at XXXX was for the XXXX XXXX miles XXXX : at XXXX after 2 months of bill pay XXXX : at XXXX and {$1000.00} debit XXXX : at XXXX now i believe i opened the account more than a month ago XXXX : at XXXX but because of many many many tries at faxing my driver 's license failing, my account was locked for a long time XXXX : at XXXX i just wanted to confirm that i 'm still on track for the XXXX miles XXXX : at XXXX Understood XXXX. At this time, are you wanting to know if you can get an extension on the promotion? 
XXXX : at XXXX and that i still get 2 months of the fee waived XXXX : at XXXX the fee associated with the citigold account XXXX : at XXXX i have my first payment scheduled for the XXXX XXXX : at XXXX That 's correct XXXX. You will still have the fee waiver for the first 2 months of the account opening. I will place a note on the account that we will place an extension to give you time to meet the required behaviors for the promotion. 
XXXX : at XXXX ok perfect! 
XXXX : at XXXX so i have to do 2 months in a row of bill pays XXXX : at XXXX the first one will be on the XXXX XXXX : at XXXX tomorrow XXXX : at XXXX when is the earliest i can do the 2nd bill pay to satisfy the requirement? 
XXXX : at XXXX If you are doing it on XXXX/XXXX/16, then you can set your next payment up as early as XXXX/XXXX/16. It 's got to be for 2 consecutive months. 
XXXX : at XXXX i see, so it 's not based on my billing cycle? 
XXXX : at XXXX Not for the promotion, no. As long as you have at least 2 Bill Payment for 2 consecutive months, then that will satisfy this requirement. 
XXXX : at XXXX ok perfect XXXX : at XXXX thank you XXXX! 
XXXX : at XXXX if possible, can you make sure to write what we discussed in my account notes, just in case something goes wrong in the future? 
XXXX : at XXXX i 'll also save this chat dialogue! 

The above chat I had with Citibank confirms that my account had the promotion XXXX and that I have indeed satisfied all the requirements over a month ago. 

I was eligible for the offer when I signed up and it was confirmed by Citibank and yet they are now refusing to give out the miles. As a result, I am kindly asking that Citibank credit my account the XXXX miles.