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

I am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. As a customer of Credit Bureaus, I expect transparency, reliability, and prompt action in addressing such matters. 

The persistence of these fraudulent items reflects poorly on Credit Bureaus commitment to combating fraudulent activities and protecting its customers. It is unacceptable that such discrepancies persist despite being brought to your attention multiple times. 

I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist. 

Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data. 

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue. 

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits. 

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future. With this, I am asking for your assistance to remove these fraud items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received copies of my credit report in XXXX of XXXX. I noticed that information was being reported inaccurately. I disputed the information with ALL THREE credit bureaus to which I received either a stall letter or no response at all. I sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX. I have not received an update regarding my disputes, nor have I received an investigation letter. I only received stall letters. I provided a copy of my lease agreement and my driver 's license to prove my identity in my initial letter. The bureaus are inaccurately reporting late payments on my credit report for the creditor XXXX. 

XXXX is reporting 5-30 day late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How can a person be 30 days late 5 months consecutively? XXXX is also reporting 2-60 day late payments for XX/XX/XXXX and XX/XX/XXXX. Again, how can a person be 60 days late 2 months consecutively? XXXX then reported a 60 day late payment for XX/XX/XXXX with XX/XX/XXXX being reported as on time. How can a person be 60 days late when they were just on time for the previous month? This is a FCRA Violation. 

Experian is reporting XXXX day late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They reported XXXX day late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How can a person be 30 days late for 6 months consecutively? How can you report 1-60 day late payment for XX/XX/XXXX and then start with a 30-day late payment for XX/XX/XXXX? How can a person be 60 days late for 2 months consecutively? Experian then reported a 60 day late payment for XX/XX/XXXX with XX/XX/XXXX being reported as on time. How can a person be 60 days late when they were just on time for the previous month? This is a FCRA Violation. 

XXXX is reporting on time payment history from XX/XX/XXXX to XX/XX/XXXX which directly contradicts what was reported to Experian and XXXX. However, XXXX then reports a 60 day late period for XX/XX/XXXX. How was XX/XX/XXXX reported on time but XXXX XXXX 60 days late? XXXX again reported XX/XX/XXXX as 60 days late with XX/XX/XXXX being reported as on time? This is a FCRA Violation. 

I have provided this information to all 3 bureaus several times with them blatantly ignoring me or purposely stalling by requesting information that was included in the initial letter. This is a violation of the FCRA and is purposely prohibiting me from accurately displaying my credit worthiness and ability to pay on time to potential lenders resulting in credit denials that otherwise would be approvals.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX ( s ) Offender ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Internal Revenue Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Dear, XXXX XXXX XXXX Pay By XXXX REQUEST TO CEASE AND DESIST ALL PERJURY, DEFAMATION, HARASSMENT, STALKING, SLANDER, AND/OR LIBEL OF CHARACTER AND REPUTATION. 

You are hereby notified to CEASE AND DESIST any and all further unlawful theft, vandalism, solicitation, defamation, slander and/or libel relating to the incident or event which occurred on XX/XX/2020 in which the following grand theft, defamation, slander and/or libel occurred : On XX/XX/2020, I was contacted by Hired U.S House Committee Employees for The United States Department Of Urban Development from your agency regarding an alleged debt owed. Be it known, that I hereby dispute the validity of said debt. 
In accordance with the Federal Fair Debt Collection Practices Act, 15 USC 1692, you are hereby notified to CEASE AND DESIST any and all further attempts to theft by cash money/check in order to conceal this unlawful alleged debt. I will work directly with the suspects original creditor, Payment Protection Plan, to resolve this matter, as warranted. Please take note that I am declining any attempts by U.S House Selected Committee or any other collection agency with regards to this matter. 

In addition, you are hereby requested to inform and/or remove from any reporting agencies this alleged debt that is currently in dispute. I will require documentation that you have complied with this request. 

You are also requested to CEASE AND DESIST contacting me with regards to this matter, unless it is to notify me via U.S. mail that you will be terminating all attempts to defraud independent collections of the defendant ( s ) currency to accommodate this alleged debt. 

You are hereby requested to immediately CEASE and DESIST the insubordinate acts of aggravated identification theft to obtain unlawful possession of money orders, cash money, and checks to illegal solicit, harass, stalk, defame, slander and/or libel and within ten ( 10 ) business days and return the signed written assurance below affirming that you will refrain from any further acts of said defamation, slander and/or libel with regards to my self employment, stable coin, character and/or reputation. 

Failure to comply with this cease and desist request, and/or return the signed assurance within the stipulated time, will leave me no other alternative but to pursue any and all available legal and equitable remedies available to protect my stable coin, character and/or reputation. 

Sincerely, Title Coordinator
Product: Credit reporting, credit repair services, or other personal consumer reports

No one has been able to access my credit report with Equifax since sometime before XXXX. Other bureaus are fine, theirs says code NH. I can not open a my equifax file for the same reason. I have spoken to the reps and they have not helped, they just tell me to open a my equifax file, which I have explained I have tried and can not. I have tried to explain that I have been trying since XXXX to fix and they are now saying there is a freeze that they will lift, but that is still not fixing the issue. This creates issues as my credit can not be pulled, even by me, and trying since XXXX to fix has not helped. I need a resolution on this and they have not helped at all even though this is a problem on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

My new account is with XXXX. AESXXXX keeps reporting me delinquent when they transferred the loan to XXXX in XXXX XXXX XXXX. I want all AES/XXXX to be removed from my credit report. They are committing fraud and hurting my credit profile. They should also be past the the statute of limitations on reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit consumer report withholds inaccurate information communicated from XXXX, Equifax and XXXX. I did not consent to any of these inaccuracies and have filed a complaint of the violation. 
Pursuant to 15 USC 1681 ( a ) ( 4 ) of the Fair Credit Reporting Act ( FCRA ), There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
These inaccuracies are a violation of my consumer rights to privacy, and a violation of each reporting agencies unfair reporting of inquiries that I did not consent to.
Product: Credit card or prepaid card

I called Chase Freedom on XX/XX/XXXX and asked if they also had a 0 % interest promotion they could activate on my account, like the one I had just activated on my XXXX for the next year. The agent advised that it had been activated and would carry through XX/XX/XXXX. I was very pleased with the quickness of the activation. I assumed that it was through XX/XX/XXXX, like XXXX 's was, and immediately switched to this as my primary card. During the holidays, I set up auto payment for minimum amount due, not worrying about interest based on the phone conversation. On XX/XX/XXXX, I reviewed my statements and noticed I was being charged 12.99 % on all of my purchases and the activation I was promised had never been activated. I called Chase to see if they could rectify the situation. On XX/XX/XXXX I was contacted by the Chase Bank with a " resolution. '' I was driving and unable to write down the exact details. She had reviewed the call and was offering a resolution. She advised me that the agent on the call had " misunderstood my question. '' She said the agent thought I was asking about a quarterly promotion and not the 0 % promotion I had clearly asked about. She stated there was " opportunity '' on the call for the agent to have been more clear and to have listened better. She offered as a courtesy to refund 2 months of interest, but advised I will immediately, on my next billing statement due date of XX/XX/XXXX,  have to assume responsibility for the 12.99 % interest, ( approximate {$90.00} a month, ) until I am able to pay the bill down. This is not what the original agent had agreed to. This is deceptive and unfair. I could have placed all of these charges on my XXXX and be enjoying 0 % interest, if their agent hadn't " misunderstood me, '' and provided an incorrect answer to my question. I also wouldn't be spending my free time trying to rectify the issue, first with the bank and now through you. My time has value. The person who called me back advised that I must not have heard the agent say that it was and XX/XX/XXXX through XX/XX/XXXX promotion and so it is my fault for not listening closely enough. Now, if I want to transfer the balance to my XXXX I would be responsible for a 3 % transfer fee. So, I'm left paying either a transfer fee or a monthly interest fee of approximately {$90.00} because of their agent misunderstanding my question and providing me incorrect information. I am not able to pay the balance off immediately and this is due to the bank agent 's error. I am hoping you can help me reach a fair resolution. Thanks for your time in processing my complaint.
Product: Money transfer, virtual currency, or money service

I was scammed out of {$100.00} I could not get this issue resolved. Also I keep getting notices of debits made against my account. They sent me a new card which I requested.
Product: Vehicle loan or lease

I had multiple issues with both getting clarity on my loan details, cancelling the optional XXXX XXXX and getting a refund for the XXXX XXXX, getting clarification on the interest rate/rates, and getting the loan documents and statements as requested from XXXX XXXX XXXX XXXX Lendmark Branch XXXX XXXX in XXXX of XXXX. Upon looking at my vehicle purchase contract from XXXX XXXX XXXX  from XX/XX/XXXX, I see the XXXX XXXX XXXX states that I financed {$5400.00} dollars from Lendmark Financial. When I look at the Disclosure statement that was only provided to me a few weeks ago from Lendmark Financial I see that, Lendmark Financial states I financed {$6000.00}. Also, in the Disclosure statement that was provided to me months after requesting it, I see that I was charged {$490.00} for XXXX XXXX through XXXX XXXX. After researching the XXXX XXXX coverage, I believe I am owed a refund for the XXXX XXXX  as it is optional in the state of California, and I was never informed upfront that I would be charged for it, and I was also told by Lendmark that they would not refund the XXXX XXXX  after paying off the loan. I paid off the loan on XX/XX/XXXX, which is 2 years and 6 months early. I also am questioning the the total amount of payments I made to Lendmark as I paid a total of {$9800.00}. The final payment maturity date was supposedly XX/XX/XXXX, as stated in the Disclosure Statement Promissory note and security agreement, and the cost of my credit as a yearly rate was 26.61 % from one source. 

I again believe and it is my understanding that XXXX XXXX is optional and must be disclosed upfront and refunded. I also noticed a difference in the interest rate listed in the Lendmark account/website for my loan where it states that the interest rate is actually 23.98 % which differs from the 26.61 %. 

I tried communicating and requesting more information on things such as the interest rate back in XXXX of XXXX, from specifically XXXX XXXX at the XXXX XXXX. I requested all of the statements from XXXX of XXXX and never received the statements from XXXX of XXXX to XXXX of XXXX, even though I was told by XXXX XXXX that they would be either mailed or sent electronically.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax, XXXX, XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 ( XXXX XXXX XXXX )... has violated my rights NUMEROUS of times. 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. I Demand These Accounts Be Removed From My Credit Report Listed Below. ( XXXX XXXX XXXX ). ( XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized credit inquires on a recent pull of my credit report. I believe this to all be errors copied to my report I sent my notices to investigate and resolve XX/XX/2019 and XX/XX/2019.

*XXXX XXXX XXXX- never applied for credit *XXXX XXXX XXXX XXXX -never applied for credit *Certified Credit RPDT- never applied for credit *XXXX XXXX/ XXXX-never applied for credit * XXXX-never applied for credit *XXXX XXXX XXXX -never applied for credit *XXXX XXXX-never applied for credit * XXXX XXXX-never applied for credit *XXXX XXXX-never applied for credit *XXXX XXXX XXXX -never applied for credit
Product: Debt collection

Action Collection Services out of XXXX, Idaho has called me numerous over the past two years and have now started calling again. I have started to not answer the calls due to the amount of times the employee of the company calls me. Every time that he has called me he will not tell me the amount of the debt, who the debt originated with and what date it originated or give me a reference number or put me in contact with a supervisor. He calls every six months and will call not only my cell phone but will call my office as well every day numerous times a day. They have never sent me any paperwork about this so called debt, so I can't dispute it even if I wanted to. He will also tell me that I have a judgement against me for this so called debt and that it is on my credit report ( there is no judgement or debt being owed on my credit report ). This man is rude and angry when he calls and I repeatedly tell him that I do not know what it is that he is talking about it.
Product: Debt collection

Ive been trying to work with them on payment s offering what i can pay numerous times they declined and said i have to pay what they want and theyve caused me to go negative not be able to go to work due to not having money for gas or rent or any of my bills. I have no idea what this debt is and they refuse to tell me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8000.00} XXXX XXXXXXXX Balance Owed : {$9700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXBalance Owed : {$1000.00} XXXX XXXX Balance Owed : {$9700.00} XXXX XXXXBalance Owed : {$8100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

BELOW INQUIRIES WERE DONE ON DATES STARTING IN XXXX AND CONTINUING UNTIL XX/XX/XXXX. I DID NOT AUTHORIZE ANY OF THESE DURING THESE TIMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX Opened Balance XX/XX/XXXX {$4100.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$390.00} XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$2300.00} XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$390.00}
Product: Vehicle loan or lease

XX/XX/XXXX I was double charged for my car payment by JD Byrider CNAC one payment was XXXX and the second was XXXX which took my account into the negatives only the XXXX was authorized XX/XX/XXXX I used my debit card for a purchase not knowing the account was in the negatives because it shouldnt have been then accumulated XXXX more overdraft fees. Stopped there to contact JD Byrider CNAC and they were closed had to wait till the following business day which caused more debt XX/XX/XXXX I was able to get in contact with JD Byrider CNAC they acknowledged the mistake and said they have to send a email to upper management after the delay they said the funds will be refunded with no overdraft fee refund. This caused more debt and kept my account in the negatives for another whole day XX/XX/XXXX The XXXX charge was refunded into my bank account still leaving the account in the negatives due to overdraft fees JD Byrider caused. I would like to be reimbursed for the late fees and the pain and suffering JD Byrider caused by leaving my account in the negatives for multiple days and not reimbursing me when they were the party at fault.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting

Mortgage servicing was transferred from XXXX company to another in XXXX XXXX. The new mortgage servicer ( Freedom Mortgage - XXXX TX ) did not start reporting information to credit bureaus until XXXX XXXX. XXXX are properly reporting status ; Experian refuses to investigate why Experian is not reporting the information - referring me once again to XXXX Mortgage. My credit score has decreased from XXXX to XXXX since XXXX and as a result of the bad/incomplete information a {$19000.00} unsecured line of credit was closed by XXXX XXXX XXXX and I have been denied a HELOC from XXXX XXXX XXXX. Experian 's lack of cooperation to resolve this matter concerns me as not only am I suffering loss of credit, but I am also concerned about potential impacts to my XXXX XXXX XXXX as the credit score continues to go down.
Product: Checking or savings account

In XXXX XXXX I signed up for an account with Associated Bank. As part of the sign up process, they were offering a {$600.00} sign on bonus for an account that had a {$10000.00} deposit that was held within the account for a period of 60 days.

Their terms specifically stated that the account would qualify if my account had a daily average balance of {$10000.00} for the days in the period of day XXXX through XXXX ( approx 60 days ). 

My account met these qualifications, and when the time came for the bank to pay the bonus, they never did. 

After calling the bank, and speaking with a representative, they stated clearly over the phone that I " Did meet the qualification for the bonus, however the promotional code was not applied to the account ''. 

There was no mention of a promotional code needed anywhere within the fine print of the sign up page. I double checked the terms, and confirmed that even today as of XX/XX/XXXX the promotion is still running, and the terms do not state anywhere within them that a promotional code is needed. 

The terms simply state that the account must be signed up for by a certain date end period, and that if it meets the qualifications ( as the rep stated mine did, that the payout of {$600.00} will be completed at the end of the promotional period.