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

I was told that I could get a free copy of my credit report every year, but TransUnion refuses to give me one. 

I noticed fraud on my XXXX and XXXX credit reports, so I called the loan company and the police. The police asked me to bring all three credit reports when filing a police report. I also wanted to see if the fraud was shown on my TransUnion credit report. When I tried to view my free TransUnion credit report, I was unable to do so. Instead, I was directed to a website that charged me {$20.00} for " credit monitoring '' ( not what I am complaining about ). I was on the phone with Trans Union until my cell phone battery died, but I was still unable to get my free credit report. I was told  that it would be 37-100 days ( at a minimum ) until the credit report would be available. 

I will also be asking the local law enforcement to contact TransUnion directly to see if they can get the information that I was denied.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

Prepaid Mastercard Gift card issued by U.S. Bank National Association expired XXXX No way to use or transfer funds after card expiration date. Company has taken full {$100.00} value in fees and closed account. These so-called " gift cards '' should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters on XXXX, XX/XX/2020, XX/XX/2020, and XX/XX/2020 about inaccurate accounts listed on my credit reports. I only received a computer generated response. I even asked for proof of the investigation which I never received. These inaccurate accounts are still listed on my credit report which is a violation.
Product: Credit card or prepaid card

Someone applied for a credit card in my name that I did not authorize and I called Synchrony Bank and told them it was fraudulent, and they told me twice in 2 different phone calls that they would send the removal request of the credit inquiry to the credit bureau agencies. It has not been removed yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed there was an unauthorized and unverified hard inquiry on my credit report from the company XXXX XXXX XXXX
Product: Credit card or prepaid card

Macy 's has been unable to resolve an issue of wrong charges posted to my account and has been adding late payment fee on top of the charges posted incorrectly to my account. I have called Macy 's customer service multiple times as recent as on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I spoke with XXXX, ID # XXXX and on XX/XX/XXXX, I spoke with an associate with ID # XXXX. Both associated acknowledged that the fault is at Macy 's end and they will put in a recommendation to fix the issue. No action has been taken so far and I keep receiving bills with even a higher amount due to added late payment fee. 
I started this discussion with Macy 's team in XXXX of XXXX and even had my lawyer speak to Macy 's. All discussions for almost an year have not led to resolution. I am sure that this is impacting my credit score. I would like Macy 's to take responsibility and fix the issue at their end. I would also like Macy 's to correct the information so my credit score is not impacted by their mistake. 
I would never every purchase anything at Macy 's and encourage others to do the same. A firm which can not resolve a billing dispute in almost an year does not deserve customer loyalty.
Product: Debt collection

I am not the primary account holder and have no control or option to resolve this account but i can tell you that I was sick with advanced stage XXXX a few years ago. During that time I was away seeking treatment. I tried to fight this through the credit bureau with no success, At this time I am not doing well physically with regards to my XXXX. I don't know who to turn to in regards to this account. Every time I try to get through I hit a brick wall and being my time is limited I would like this resolved. This company has multiple accounts with my name involved.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the items in my file that I encountered because of incorrect credit report information and this is another request to remove the items from my credit file resulting from an inaccurate credit report data. Ive already included this issue in my previous letter and FTC report & I am including it again. Also, the information you provided on these items are unrecognizable for me and was REMOVED from other bureaus and I have doubts about their accuracy : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} -- -- -- -- -- -Equifax XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance XXXX {$3200.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX THE XXXX XXXX ) XXXX Balance XXXX {$400.00}. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from a mistaken credit reporting. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days. This letter is to notify you if you do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable in the event of your willful noncompliance. Thank you for your time and prompt attention to this serious issue.
Product: Mortgage

I submitted a loan application & was initially given a pre-approval from XXXX XXXX. After that he stopped responding to calls & texts. I then contacted XXXX XXXX by phone & left several messages for him with no response. I emailed XXXX XXXX asking to return my documents which includes tax returns, bank account numbers, my address, my social security number, date of birth, & other personal info that would allow me to become a victim of ID theft. To date no one has returned my calls or messages. At this point I simply want my documents back so I can safely store them.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report. This situation is deeply affecting my peace of mind, especially during such a difficult time. Specifically, the following items are incorrect and are negatively impacting my credit score, making it harder for me to get back on my feet : Account Name : XXXX XXXX Account Number : XXXX Reason : It is deeply disheartening to see that this account is being inaccurately reported as a charged-off account with a balance due. This mistake is unjustly affecting my financial standing. Please provide clear evidence of the charge-off or correct this by updating the balance to {$0.00} or remove the negative payment status associated with this account.

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Its disheartening to see missed and late payments being reported on this account. I never imagined my history would be clouded by such claims. Please provide all statements and records of every payment Ive made and missed since opening this account. I need clarity, and I hope this can be resolved fairly.

Account Name : XXXX Account Number : XXXX Reason : Its troubling to see this account inaccurately showing 3 late payments. According to my Experian report, there is only 1 late payment being reported. These inconsistencies weigh heavily on me, and I hope you can correct this error, so my record reflects the truth. Please help me resolve this.

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : It is deeply disheartening to see that this account is being inaccurately reported as a charged-off account with a balance due. This mistake is unjustly affecting my financial standing. Please provide clear evidence of the charge-off or correct this by updating the balance to {$0.00} or remove the negative payment status associated with this account.

Account Name : XXXX Account Number : XXXX Reason : I dispute the missed and late payments reported on this account. These inaccuracies are deeply concerning, especially as I am going through a difficult time. Please provide statements and records of all payments made and missed since I opened the account. I do not agree with the results of your investigation and request proof of the negative payment status. If you can not provide this proof, I respectfully ask that you delete the negative information from this account.

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Ive done everything I can, but these inaccuracies still cling to my credit report like a shadow. Ive reached out, Ive provided proof, but nothing changes. Please investigate thoroughly. I just want my report to reflect the truth so I can finally move forward. Im exhausted I just need a chance to breathe again.
Product: Mortgage

I recently completed a short sale of my previous home. I had XXXX mortgages on the property. The primary mortgage was completely paid off and the second mortgage received a portion of the remaining balance. I thought the sale went through appropriately and we coordinated with the lenders to make sure they would accept the terms. After the sale everything appeared to be processed correctly ; however, I was recently notified that the second mortgage lender ( Citibank ) is suing me for the remaining balance. This is extremely upsetting because prior to the sale Citibank provided a letter stating they were accepting of the terms and waives their right to pursue deficiency judgement against me. I am now in shock and nervous about what to do. I thought we did everything per the book and now I 'm in this mess. Any help would be appreciated!
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and correct them immediately in my report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit card

I had a XXXXXXXX XXXX XXXX ending with XXXX. They sold the account to a 3rd party called XXXX 
In XX/XX/XXXX, I saw a negative report from them on my credit report so I called the credit card to dispute it. I called again on XX/XX/XXXX and spoke with XXXX XXXX who said she can not accept any money at this time because theres a current dispute. I have to wait 30 days. I never received anything to this very moment. 
I told her that I have a snapshot on how much I actually owed on my account since the last time it was active. I emailed the screenshot of my last balance of {$1800.00}, but they refused to acknowledge this is the amount that I actually owed. Instead, I was told each time the account is transferred to another company it incurred fees. There was no help. Few days later I called again, I was told that the account was now sent to XXXX XXXX XXXX XXXX ( XXXX ) XXXX. I proceeded to call XXXX XXXX and spoke to XXXX XXXX who asked me to email him the screenshot at XXXX which I did. No solution was taken place. 

I need them to allow me to pay what I actually owed {$1800.00} with paid as agreed or paid to delete agreement. I never heard anything back from them since, they refused to help move forward with a definite solution for the problem. 

Please help me to have them remove the negative report from my credit report because it is hurting my opportunities to purchase a house. I can be reached at my email : XXXX or my cell ( XXXX ) XXXX. I give you permission to talk to my wife on my behalf as well. Thank you so much for your understanding. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card ending XXXX appeared as Fraudulent charges in amount of XXXX incurred and will absolutely NOT my responsibility for the account, i have reach out to the bank institution notify all the fraudulent activities. I have completely Paid in full all of my account to zero balance except for Fraudulent charges. Any charges arise out of fraudulent account will not be in my responsibility.
Product: Payday loan, title loan, or personal loan

I bought hard drive s at Amazon, and used their 6-months no in terest payment plan financed via Synchrony Bank using my checking account.  <P/>  I made timely regular payments until Synchrony changed their website. Then my payments were deemed late, and Synchrony charged me a {$25.00} late fee for each late payment. I called Synchrony, had them rem ove the {$25.00} fee, and made the payment over the phone with my debit card.  <P/> But Synchrony continued to deem each future monthly payment late, with a {$25.00} late fee. Each time I called them, I had the {$25.00} late fee removed, and paid the payment over the phone via my debit card.  <P/> I made a detailed written record of each of my calls. Attached are my detailed notes. Please note my  XX/XX/XXXX  conversation with  XXXX  of Synchrony Bank. After she did a detailed analysis of my account and payment record, she concluded that my account information was correct, and that everything was Synchrony Banks error.  <P/> I have highlighted in yellow on my notes her statement that Synchrony Bank made the error.  <P/> After a late payment error occurred again in  XX/XX/XXXX , I made all future payments starting in  XX/XX/XXXX over the phone, via my debit card, and requested a confirmation number from Synchrony Bank for each payment.  <P/> I paid off my entire balance within the six-month, no interest period.  <P/> However, several months later, I checke d my Amazon/Synchrony Bank ac count, and noticed that Synchrony Bank had closed it.  <P/> Since I anticipate using the Amazon/Synchrony six-month no interest payment plan in the futureand having received no real help from SynchronyIm requesting CFPBs kind assistance.
Product: Bank account or service

On XXXX XXXX, XXXX, USAA FEDERAL SAVINGS BANK, wrote to exercise its option to close Checking Account XXXX registered in the name of XXXX XXXX XXXX . USAA had changed my ownership registration of the account in XXXX XXXX for the vague reason that I did not qualify as the registered owner of a USAA account. They printed new checks showing the new registration. However their letter was addressed to me, not XXXX XXXX ( see attached ). 

Neither XXXX XXXX nor I owed USAA money. We were not insured by USAA Our Credit Cards had a zero balance and continued in good standing. On closing the account, USAA confiscated the funds in XXXX XXXX 's accounts which had a combined balance over {$900.00}, citing their Deposit Agreement as authority to close accounts and offset funds on deposit. There was nothing to offset. Where did the money go? 

Phone calls to USAA for an explanation for confiscation of XXXX XXXX 's funds were met with obfuscation and prevarication : in XXXX call I was told that XXXX XXXX 's account was closed because of an issue with their Property and Casualty Department. When XXXX XXXX called for clarification, she was told the bank accounts were closed by the Credit Card Division. To avoid misunderstandings, it became clear we had to avoid telephoning USAA and instead document our contacts and their response using XXXX, XXXX, and XXXX letters as a legal necessity. 

I sent a XXXX letter to USAAXXXX on XXXX XXXX and a Certified follow-up on XXXX XXXX pointing out that the accounts were registered to XXXX XXXX not me. XXXX/USAA did not reply. 

To get a USAA response, XXXX XXXX was obliged to file a complaint ( Case XXXX ) about USAA with the Consumer Financial Protection Bureau on XXXX XXXX, XXXX. Via the CFPB, USAA replied : " XXXX checks, {$160.00} and {$800.00}, made payable you and to XXXX XXXX had been mailed on XXXX XXXX, XXXX. '' XXXX XXXX challenged USAA 's infallibility and asked for proof/substantiation that a check had in fact been issued and mailed ; had it been cashed? A copy of her response was also directly XXXX XXXX to USAA. USAA received the letter but did not did not reply. 

It appears that USAA kept the {$900.00} + without explanation, asking us to believe that " the check is in the mail. '' Equally troubling, USAA deleted the checking and savings accounts from their web site. 

USAA has had at least 8 months to research their response : Where is the money?
Product: Credit card or prepaid card

On XX/XX/2021, i was issued a credit from the XXXX XXXX back to my Credit Card. The amount was {$860.00} for a refund. I asked the credit card company to use those funds to pay off an installment on a device, i was told they could not do that ; I then asked for them to issue a check in my name for the total amount the was credited and in a positive on XX/XX/2021 and two other occasions as well. The Credit Card in question is the Apple Card a MasterCard managed and owned by Goldman & Sachs in conjunction with XXXX Rights. 

I have also contacted the XXXX XXXX for assistance on multiple times with Goldman & Sachs to no avail. 

I simply would like to use the funds i have currently of {$760.00} to either pay off one of the installments or that i be issued a check as the credit card company should return any excess payments to the consumer.
Product: Credit reporting or other personal consumer reports

I am writing you this notice as a follow up for my previous notice sent XXXX days ago from the date of this letter, to disputefraudulent unverifi able information on my credit report. The information you are reporting is inaccurate is resulting fromidentity theft. 
The following addresses listed below which appear on my credit file does not relate to any addresses I have lived at.
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian lawsuit. 

I feel I was impacted negatively, and had my chances of receiving credit gravely hurt in my earlier dispute that accounts were verified properly. 

It is requested respectfully to have all improper findings quickly deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

im filing this complaint because im having a problem out of experian, i called their special services about XXXX accounts on my credit report, rep name XXXX had explain that mr XXXX on these accounts your full name is not being shown, these companies have to show that you are XXXX XXXX XXXX XXXX these accounts need to show your full name, if these accounts can not show your full name then they will be deleted, these accounts need to be deleted because i am a XXXX the mix department explain that none of these accounts can prove im a XXXX i want these accounts taken off my credit report, because my dad is a senior im a XXXX, the rep from experian did explain also that if each ax count cant prove these accounts show XXXX on the the full name they will be deleted off my report, i want to dispute discover credit card because the did return every effort to keep this on my credit report please remove these accounts that can not prove that these accounts belong to me because they can not prove the last suffix of my name which is XXXX XXXX XXXX XXXX, experian has ask me and to prove in the past that im a XXXX, the mix department said the same thing that my name needs to show my full name for each account as being XXXX XXXX XXXX XXXX, that if these accounts come back with something they didnt have the first time this shows that there desperately wanting to use my information, please take these accounts off, i was warned by special services for experian that these companies are not providing the correct information and is not showing my name is being XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violation XXXX  XXXX, XXXX  XXXX, U S Department of Education, XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Prepaid card

I called in to ask why my spot me decreased like I was new account holder 2 different people helped me on phone. They told me chime representative and they had me download an app so they could remotely get into my account the guy looked in every banking account I have on my phone and when I asked why he said u talk I hang up and u don't get ur money back they lady prior to this did same I trusted them she took XXXX. From my cash app transfered it to my chime then paid some name idk all my money and now can't get back I think k it's scam... .please help they took all my money My number XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$470.00}