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

To whom it may concern, I declare that my identity was stolen and used by frauds. I kindly requested to submit a dispute on these accounts, but several time got a response from TransUnion that the letter is not coming from me even though I attached all my personal documents. I also tried to explain it to them via call, but even the supervisor I talked to refused to accept my concern. Please pay attention to this, I have also provided this information to other bureaus XXXX and XXXX, they received my documents and already deleted all the fraudulent accounts while TransUnion is still refusing to accept my documents, saying that someone else is sending these documents without my knowledge. 

Fraudulent accounts : Account Name : XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX Open Date : XX/XX/XXXX
Product: Credit reporting

I am submitting this complaint to help a loved one and other consumers who are in need of repairing their credit after a divorce or because they do not have any credit established because they paid cash for purchases and never obtained a credit card. My complaint is this. Why is our ability to pay our rent ( which is as much as 2 months of my house mortgage ), utility bills and credit union loans in a timely manner not included as good accounts on our credit reports but get a divorce, move and someone neglect to return a component to XXXX and you find yourself with a 7 year negative account listed on your credit report? 
Also, on one of these government websites, ( it may be this one ) I read a " Special Note to Women '' regarding repairing their credit after a divorce ... no offense but what about the many many men who end up in divorce and after the divorce is finalized is stuck paying for things they had no idea even existed ( as is the story with the XXXX ), or was deviously charged after the fact, or found that their social security number was used to make other purchases they were unaware of, then find they ca n't even get a decent deal on car or motorcycle insurance? These are just a few things in question. It just seems to me that the people who run their lives using credit cards as securing their purchases and not insuring their automobiles make out and us normal everyday people who try everyday to do the right thing pay for it. I could really use some direction on how to help my loved one and others. I look forward to your response and thank you in advance to taking the time to consider my complaint.
Product: Checking or savings account

My mom and I ordered food through XXXX XXXX, I accidentally used my card instead of hers and took my money AND hers. I requested a refund MULTIPLE times and they just keep throwing me in circles. They keep denying my dispute the day after I open them so they don't even try to solve it. I have plenty of proof it was paid for by my mom 's account. I've attached screenshots of everything, the screenshot of the XXXX XXXX receipt shows I was allegedly refunded {$6.00} and change, which never happened as well. The amount shows different for my mom 's account because she tipped the driver and I did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  and TransUnion to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct 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 or other personal consumer reports

Dear CFPB, I am writing to express my deep concern and frustration upon discovering that XXXX and Experian have reinserted previously deleted accounts on my credit file, mirroring the inaccuracies reported by XXXX. This situation is profoundly unfair and highlights a troubling tolerance for inaccuracies within their reporting system. 

I was taken aback to find out that the once-deleted accounts are now reappearing on my credit reports without any prior notification or explanation from these bureaus. This lack of transparency and failure to communicate with their verification process is not only unsettling but also puts me at a significant disadvantage as a consumer. 

I strongly believe that the continued inclusion of these reinserted accounts is unfair, biased, and perpetuates discrepancies on my credit report. I insist on being informed of these bureau 's verification process and the rationale behind reinserting previously deleted accounts. Transparency in these procedures is crucial to maintaining trust and ensuring the accuracy of consumer credit reports. 

I request the prompt deletion of these unfair and biased discrepancies from my credit report to restore accuracy and fairness to my credit profile. It is my right as a consumer to have accurate and reliable information reflected in my credit report, and I trust that you will take swift action to rectify this situation. 

I appreciate your immediate attention to this matter and expect a timely resolution.
Product: Credit reporting or other personal consumer reports

I am aware that the Consumer Financial Protection Bureau ( CFPB ) has recently taken action against Experian for failing to properly investigate consumer disputes. The CFPB alleges that Experian : Conducts inadequate investigations that do not properly address consumer disputes. 

Fails to convey relevant consumer-provided information to furnishers. 

Improperly reinserts previously deleted inaccurate information into consumer reports without proper verification or explanation. 

These practices are in direct violation of the FCRAs requirements to ensure accurate consumer reporting and thorough investigation of disputes. I expect that these issues will not affect your handling of my dispute. 


Disputed Accounts XXXX ( Account # XXXX ) Discrepancy : The reported balance of {$9900.00} and past-due amount of {$1700.00} are inconsistent with prior account statements. Additionally, the charge-off status was reported without sufficient notification. 

Requested Action : Delete the account due to inaccuracy. 

XXXX CARD ( Account # XXXX ) Discrepancy : The reported past-due amount of {$4100.00} exceeds the account 's credit limit of {$3000.00}. This suggests a potential reporting error. 

Requested Action : Delete the account due to inaccuracy. 

XXXX XXXX XXXX XXXX ( Account # XXXX ) Discrepancy : The account shows a past-due amount of {$1700.00}, which exceeds the original credit limit of {$1500.00}. The reported charge-off date also conflicts with my records. 

Requested Action : Delete the account due to inaccuracy. 

XXXX XXXX  ( Account # XXXX ) Discrepancy : The past-due amount of {$5500.00} is inaccurately listed, and the payment history includes conflicting dates for the charge-off. 

Requested Action : Delete the account due to inaccuracy.
Product: Debt collection

We have had d2 management call twice and attempt to collect debt from my wife that she has never had. The company claims the credit card was started through a XXXX XXXX XXXX, a XXXX card they stated was opened on XX/XX/XXXX and closed the following year, claiming " she made payments on the account from her bank ''. The first call stated she owed {$550.00}. Thinking this was from a recent store card she had opened in XX/XX/XXXX, she called the store credit card directly and verified that there was no balance on the card ( this is the first credit card she has ever opened, only ever having a debit card ). She called the collection agency back. When she refused to set up a payment plan, she was connected to the manager who stated she owed {$350.00}. They listed off her previous residence, gave her maiden name, and the manager even listed off her social security number in full, without verification, to me ( her husband ). They made statements that credit cards do n't always report to credit reports or that it might not show up on a credit report since it had been 8 years. They were adamant that there was no possible fraud involved on the account. They were each extremely pushy and would not listen to what we said, would not reveal their client ( seeing as this bank was bought out by XXXX XXXX and no longer exists ), said only that they were a collection agency and insisted that my wife had opened this account. She has never been contacted by XXXX XXXX. This is the first time we have heard anything on this " debt ''. We have checked credit scores multiple times in the past eight years and have not seen any sign of fault or no payment pertaining to any credit card. They were threatening that they would report us to the IRS as a XXXX unreported income. No current information was provided by my wife or myself to the debt collection agency on either of these calls as to current address, last name, or any bank account information. They called from ( XXXX ) XXXX which is a XXXX area code but stated they were calling from XXXX, that the local number was for phone numbers that do not have long distance service or only have a pay-as-you-go phone. They stated multiple times the legal disclaimer that they were seeking to collect on debt and that anything we said could be used to that means, that everything we said would be recorded for customer service and training purposes even using this to keep us from speaking.
Product: Consumer Loan

In XXXX of 2015, my wife and I purchased a new car at XXXX of XXXX. Because I 'm new living in XXXX and I do n't have a credit history, Chrysler Capital financed the vehicle with the APR of 18 %. We asked if we could make extra payments on top of our monthly payments in order to get ahead on our principal, and they said yes. Our monthly automatic recurring payment is {$470.00}. The first payment went through fine, but in XXXX, we made an extra payment of {$750.00} to go towards the Principal Balance. Chrysler Capital instead took {$390.00} for interest rather than as requested. When we saw this, we informed them that this is just for the principal balance because we are still making automatic monthly payments. Before they fixed the {$750.00} amount, they 're online system accepted our automatic XXXX payment but only took {$29.00} towards interest. They did n't take the correct amount of interest from this payment as they should have. Due to their error, it put us behind on interest, therefore increasing our daily interest rate and accruing a much larger monthly interest. Therefore, in XXXX and XXXX, our automatic monthly payment of {$470.00} has gone completely to interest and none toward principal. The XXXX statement actually states that the accrued interest is {$350.00}, but Chrysler Capital took the full payment of {$470.00} toward interest and XXXX toward principal. They refuse to fix this. 
We have called them many times, asking them to fix the problem because this was their mistake. They told us that it is our fault for making that extra payment and not wanting any interest taken out of it, but we specified that the the normal interest amount should be taken out of the automatic XXXX payment. We have spent hours on the phone every month trying to find a solution, we have escalated the complaints to the " Office of the President '' at Chrysler Capital and they have offered no more than an " apology '' but have not fixed the problem. We should not be paying interest only because this was their mistake for not taking out interest from the XXXX automatic payment. They refuse to offer any solution or help when we have paid all payments on time and have even paid more. They are stealing our money and not allowing us to pay anything toward principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband I had a lease with XXXX XXXX back in XX/XX/XXXX. My husband passed away in XX/XX/XXXX. I called XXXX to report his passing. I paid off lease, closed account and opened a new lease account with my name only. XXXX XXXX contacted all 3 credit bureaus ( as I couldnt get my credit information as they showed me as being deceased with no access to credit ). XXXX  and XXXX   fixed the issue 2 years ago, and as to date Im still fighting Transunion as there report is still showing Im deceased. ( I pay for credit monitoring and check it frequently ). XXXX XXXX has told me its now out of their hands as they have over and over reported to Transunion that I have my own account and Im not deceased and I need to go through Transunion as they are not doing what they need to do on their end. Again month after month for over 2 years Ive been trying to resolve this issue with Transunion. I was told 2 months ago that this was taken care of and I would start seeing my scores again. I told Transunion I didnt want to make another phone call to them as again Ive been doing month after month for 2 years. I was reassured that I wouldnt have any other issue. I called back again 1 month later ( XX/XX/XXXX ) as still not resolved, then received a letter from Transunion stating deceased. After go round and round with XXXX ( who did change account status on their end ), Transunion ( still giving me run around with no satisfaction ), I have decided to make a complaint against Transunion, and hopefully get this resolved once and for all! 
Again, XXXX  and XXXX  fixes report 2 years ago. 

Thank you
Product: Checking or savings account

I need the lady that called me on XX/XX/XXXX to call me back to give me details on my check that she said i will be receiving in 7 days. I need to know if or when it will be sent. I'll be sending complaints until i receive word of my check coming.
Product: Checking or savings account

It is my understanding that when a federal holidays falls on a friday that transactions should post on the business day. Having said that, Chase charged me an NSF fee on friday XXXX XXXX, when banks were observing Veterans Day, which should have allowed all my transactions to come through over the weekend and should have all posted officially on Monday, XXXX XXXX. I opted for the overdraft protection in the past, so normally i would make a deposit before the end of the business day to cover my balances and transactions, so to my surprise i found i was charged a fee of {$34.00} on XXXX XXXX, which is when the banks were observing XXXX day. I contacted Chase and they refused to assist me and actually stated they have internal policies and chose to observe XXXX XXXX on Saturday alone and that they would not help me. Please help me resolve this issue since this really is an unfair practice for them to charge fees on extended weekends when all other banks gave their customers the proper procedures and opportunities to bring their accounts current. I should not have been given this fee based on the fact that it posted on a long federal holiday weekend and transactions should have posted on Monday, like all banks did. Thank you!
Product: Debt collection

Our son was born in XXXX XXXX on XX/XX/XXXX. One month after our discharge from the hospital, we received an invoice from XXXX XXXX XXXX for the medical expenses attributable to our son. That invoice was for {$9100.00}. After adjustments/co-insurance from my insurance company ( XXXX ), I owed {$420.00}, which I promptly paid in full on XX/XX/XXXX from my HSA. The confirmation number of my payment was XXXX. On XX/XX/XXXX, I received a Past Due Notice indicating an additional {$300.00} was added to my account sometime after I paid the invoice. No explanation of the {$300.00} additional charges was ever provided by XXXX XXXX XXXX and no explanation of benefits was ever sent to my insurance company. I received another similar invoice dated XXXX/XXXX/XXXX, still with no explanation of charges. We called XXXX XXXX for an explanation, we were told it was being put in review and that we didnt owe anything. 

The matter was out of our minds until we received our 1st notice from MBA Law dated XX/XX/XXXX, indicating XXXX XXXX XXXX parked this debt with a collection agency, followed by a second notice, dated XX/XX/XXXX, offering me a 30 % reduction to pay by XX/XX/XXXX. 

I believe that some department in XXXX XXXX failed to document these expenses prior to the invoice being generated. Since I promptly paid the bill, my invoice was closed, such that additional charges added after that did not trigger the mechanism that forwards the expenses to my insurance. Had those new expenses gone onto a new invoice and not one I had already paid in full, perhaps the expenses would have been correctly sent to my insurance and billed to me. 

XXXX XXXX XXXX should never have parked this debt. I believe they need to resolve this debt with MBA Law, then can choose to document these charges and appropriately submit them to my insurance provider, XXXX, so the charges can be adjusted in accordance with my insurance plan. After repeated calls to XXXX XXXX XXXX, someone indicated these charges appeared to be for XXXX  testing, XXXX XXXX, and routine XXXX XXXX of which would have been covered by my insurance plan had they been properly submitted.
Product: Debt collection

capital one shows card open XXXX, never had card with them until XXXX not my debt they must provide debt validation on when this account was open
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a debt/charge-off still reporting on my consumer report where XXXX XXXX, XXXX XXXX had agreed to dismiss debt in the court as of XX/XX/2022. This debt/charge-off should not be on my consumer report.
Product: Mortgage

JP Morgan Chase Bank was slow to process the refinance loan, requested more information, and then charged a $ XXXX fee in order to secure the promised rate after the lock-up expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries on my report I do not recognize Also reporting a late payment on XXXX XXXX in XXXX and my payment was never late
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please validate the information reported, 1 ) The following account is reporting incorrect, inaccurate and imprecise information. 
Account name : XXXX XXXX Account number:XXXX Fraudulent balance : {$320.00} This account is the result of identity theft. 
This account does not belong to me, I have never had any kind of business relationship with this company. 
Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification. 
This account is duplicated on my credit report, please remove from my credit report. 

2 ) The following account is reporting incorrect, inaccurate and imprecise information. 
Account name : Net Credit Republic Account number : XXXX Fraudulent balance : {$3900.00} This account is the result of identity theft This account does not belong to me, I have never had any kind of business relationship with this company. 
Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification. 

3 ) The following account is reporting incorrect, inaccurate and imprecise information. 
Account name : XXXX XXXX Account number : XXXX Fraudulent Balance : {$3100.00} This account is the result of identity theft This account does not belong to me, I have never had any kind of business relationship with this company. 
Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification.
Product: Mortgage

My husband XXXX XXXX was defrauded by XXXX XXXX XXXX back in XXXX when they push a reverse mortgage without his knowledge. WE have been having many pr8blem especially now with XXXX XXXX XXXXwho are refusing to answer our certified return receive letter or answer our phone calls. In the letters I ( XXXX XXXX, wife and POA ) have been asking XXXX, to give us a stamens of how they spend the XXXX XXXX dollars ( {$50000.00} ) my husband received from XXXX XXXX back in XX/XX/XXXX. Out of that amount we paid Champion Mortgage ( XXXX XXXX XXXX XXXX, TX XXXX ) the total amout due ( {$23000.00} ) XXXX XXXX XXXX, for TAXES AND INSURANCE. After that amount was paid Champion Mortgage transfer the Service of the loan to XXXX. We have been asking XXXX to give us a brake down on how they spend te reminder of the money from XXXX to XXXX. XXXX was supposed to paid our taxes and insurance until the money run out. They claim there is no money left, and harras us to paid the taxes for XXXX and right now we don't even have homeowners insurance in the property, and they are refusing to let us know where the reminding of XXXX XXXX was spend on only XXXX ( XXXX ) years.