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

This letter is to inform you that TranUnion has failed to respond to my inquiry dispute letter that was sentg certified mail XX/XX/XXXX and the numerous phone calls I 've made to attempt to correct this error. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. I also have a fraud alert on my credit file and to say that the social security matches does not constitute valid reporting or inquires. I asked that the following inquires from my report as pursuant to 15 U.S.C 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires with a credit or insurance tranaction that is not initiated by a consumer, which I have spoken to several US agents and informed them that the following inquires was not initiated by myself and seek immediate deletion and correction to my credit report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my home address is XXXX XXXX XXXX XXXX XXXX, PA XXXX. Please remove any other name & address variations immediately, THEY ARE NOT ACCURATE. 
I continue to ask/request XXXX, XXXX, and XXXX  to properly verified the accounts they claim I owe. They continue to send back inaccurate information that is not accurate, I always request PROOF OF CONTRACT bearing my signature TO SUBSTANTIATE SUCH CLAIMS and they NEVER SEND PROOF. Per the FCRA if a credit reporting agency CAN NOT SEND ACTUAL DOCUMENTED PROOF PER THEIR RULES ALL ACCOUNTS THAT CAN NOT BE VERIFIED " WITH PROOF '' MUST BE DELETED. If this account is not properly verified with proof I DEMAND it be DELTED, if it is not DELETED I WILL EXERCISE MY RIGHTS PER THE FCRA AND WILL FILE LEGAL DOCUMENTATION AND THEY WILL HAVE TO APPREAR IN COURT. PLEASE REMOVE THE FOLLOWING ACCOUNTS BELOW : Discover Financial Services XXXX # XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( Block , inc ) due to inadequate customer service and unfair practices which violates consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act and regulations E these actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Debt collection

XXXX XXXX XXXX garshied my bank account for a time barred debt. 
Not properly served. 
Another account sent to XXXX XXXX.. this is not verified and is time barred as well.
Product: Credit reporting

This is a fraudulent account. This needs thorough investigation and the assailants convicted. I need this inaccuracy removed immediately. Multiple 'Demand for Verification docs as well as direct Credit agencyy contact has been to no avail and the Sheriff 's Dept can not do anything about it. TransUnion is a laughing joke of white privielge that never fixes their f ups either.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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: Debt collection

I have a credit account with CONNS APPLIANCES. My payments are due every  XXXX  of the each month. This company transfers my account to the debt collectors the next day I become past due. I receive the first call at  XXXX  and the calls occur through out the day. I have received up to  8  calls in one day. I talked to the manager from that department and I explained that the calls were getting out of hand and that I understood that 's there job but I would of appreciated if they called no more then 3 times a day for the reason that I am at work during   XXXX  - XXXX . I became past due a second time and they started calling me from different phone numbers and I started receiving txt messages and emails explaining that my account was past due this made me feel harassed. My husband gets the same amount of calls from them. They released my account information to him and they told him I was past due. I never put him as a secondary account holder or gave permission to release my account information to him.
Product: Credit reporting, credit repair services, or other personal consumer reports

Viewed credit file through Transunion in reference to XXXX XXXX account showing as charged off on my file.  File shows last reported :XX/XX/19 in the amount of: $XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I applied for a Discount Tire card online through Synchrony Bank. During their process the system attempted to send a verification code to a cell phone number I did not provide. I then called the bank and they sent me to an online system for verification of identity. That system required me to submit a five second video of myself and photos of the front and back of my Colorado state driver 's license. I then called them back and they said I was denied and they would send me a letter in 15 days as to the reasons. Since they have decided I should not be their customer I requested they delete my image and the image of my drivers license. They refused. I asked them for what business purpose they were keeping my personal information as I am not a customer. They said they could not tell me and that I could write and complain but they would not delete my personal information and implied they would keep it on file in perpetuity.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY REPORT IS SHOWING 2 LATE OR MISSED PAYMENTS 30 DAYS LATE ON TWO SEPARATE ACCOUNTSXXXX AND XXXX XXXX XXXX I was never late on these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last eight months I 've been trying to have false remarks from two XXXX XXXX XXXX credit card accounts removed from my credit report ; both accounts state that I participated in a financial counseling program, and this is false information. XXXX, TransUnion, and XXXX list this information on my credit report. I only found out when I tried to re-apply for a XXXX XXXX XXXX credit card at the beginning of the year, and my application was denied. I 've contacted XXXX XXXX XXXX, and the three reporting agencies, to correct this report numerous times, and have not been successful so far. I 've been in talked with several XXXX XXXX XXXX offices and channels, have submitted written and online disputes, and have been repeatedly transferred between departments. After speaking to several people with XXXX XXXX XXXX and the credit reporting agencies on XXXX XXXX XXXX confirmed on XXXX XXXX, XXXX that I did n't participate in a credit counseling program, that the information was false, and sent me documentation stating that they had informed the credit reporting agencies to update my report, and due to the error on their part were working to expedite the process of having the information removed. However, over the last two months the same false information kept populating on the report ; I subsequently continued to dispute each investigation. On XXXX XXXX, XXXX a XXXX XXXX XXXX representative told me that the remarks were n't on my accounts on XXXX XXXX XXXX 's end. However, when I tried to re-apply for a credit card with the bank I was automatically denied because the credit counseling program information was still on my credit report. This information needs to be removed, by XXXX XXXX XXXX and the credit reporting agencies as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain entries on my credit report that do not belong to me and are negatively impacting my credit history. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to accurate, complete, and verifiable information on my credit report.

The accounts in question are listed under Account Name : XXXX XXXX XXXXXXXX, Account Number : XXXX, which I have identified as fraudulent or inaccurately attributed to me. These accounts are not mine, and their presence on my credit report is unjustly harming my creditworthiness and access to financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has allowed XXXX XXXX XXXX to delete, then reinsert a tradeline on my credit report without properly following the FCRA which states " the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. '' The consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted and provide contact information for the company that furnished the information. And they are required to maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted. I have not received any written notification regarding the deletion and reinsertion of this account. This account has been disputed several times for not following the FCRA because this is not a valid account and I have signed no aggrement with XXXX XXXX XXXX that allows them to report this trade line on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May concern : We the XXXX XXXX XXXX XXXXXXXX do not report bankruptcies to any of the credit bureaus on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

For Further information please contact us at XXXX. 


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

I noticed unauthorized account on my report someone applied for something in my name
Product: Debt collection

I lived in South Carolina XXXX years ago and had XXXX cable. I paid my final bill and then never heard another word from them. Now, XXXX years later in another state that does n't even offer XXXX, I am getting hounded to pay a debt not only that I do not owe, but they are now reporting this debt on my credit report. I do not know how to make this stop or go away, Enhanced Recovery Services seems to have a habit of buying off bad debts and trying to collect on them. Please, please, please help me resolve this so I can buy the home of my dreams!!
Product: Checking or savings account

I received a fraud alert email from my bank Truist XXXX XXXX XXXX, 2024 and was instructed to call XXXX to confirm a transaction in the amount of {$540.00} that was made at XXXX in XXXXXXXX XXXX 


I called the number and told the agent to block the transaction since I did not make that transaction and I'm currently in XXXXXXXX XXXX and I've never been to XXXX I was told by the agent that they blocked the {$540.00} transaction but there was another pending transaction in the amount of {$540.00} also made in XXXXXXXX XXXX I checked my Truist debit account online, and saw the XXXX transactions I did not make, so I told the agent to also block the pending {$540.00} transaction and lock my debit card as well. 


The customer service told me I will receive a new debit card but will need to wait for the {$540.00} transaction to be posted first before I can dispute the amount so I followed her advice. The amount was posted on XXXX XXXX, 2024 and I logged in to Truist debit account online on XX/XX/XXXX to dispute the amount with case XXXX XXXXXXXX. 


I did not get a reply so on XXXX XXXX, 2024, I called the XXXX fraud number of my bank Truist because it was taking so long to get my money back to my account. They denied my dispute because they said there were XXXX other transactions last XX/XX/year> in the amount of {$45.00} and {$30.00} made in the same location, XXXX in XXXXXXXX XXXX which were not disputed. I've never been to XXXXXXXX XXXX nor have I made those transactions and this was the first time I knew about those other transactions, and was not notified about them so I was not able to dispute them during that time. 


The XXXX told me to contact XXXX to dispute the transactions so I called XXXX customer service and was told they can't find the transaction in my account and told me to dispute the transactions with my bank, as well as file an Identity theft report to XXXX, fill out the online form for FTC, and get a police report since somebody is making transactions using my debit card. 


I again called Truist to refile the dispute and and denied it again. I provided additional like the online form from FTC, and the police report to support the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/17 I submitted complaints to each credit bureau to remove negative items from my credit report that did not belong to me. I received a response from XXXX and they removed these items, however, XXXX and transunion failed to reply at all.
Product: Mortgage

XXXX  transferred my Reverse Mortgage in  XXXX  to Champion Mortgage Company. They terrorizing me since end of last year by harassing and threatening as well as unlawfully actions. They wanted proof of insurance for my condo. The policy from th e HOA and my per sonal insurance were submitted numerous times, but they still sending me threatening letters, denying they have received the policy copy. Even though they sent me on  XXXX / XXXX / XXXX  a confirmation letter that they have cancelled the force placed insurance in my name because there was no lapse in coverage, I still get these letters with threats up to delinquency and foreclosure. In the meantime the HOA insurance agency faxed the new insurance to  XXXX , which expires on  XXXX   XXXX , they ignore this and sent letters. Because of the unlawfully forced place insurance they deducted my monthly payments since  XXXX  for {$20.00} I wish they stop harassing me and refund me the {$20.00} per month since  XXXX  and continue to pay the {$20.00} in the future with the original payment plan of {$210.00}. Since they do not make any profit no longer and I had to sign  ( the  first time ever an occupancy form ) I believe they on purpose unjustified threatening and harassing me to make me abandon my home  or to drive m e to death so they do not have to pay me no more the monthly payments. Trying to talk to them at  XXXX  is hopeless ; they act like they are robots, reading a giving text non-stop.   This nightmare must come to an end!
Product: Credit reporting or other personal consumer reports

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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my XXXX credit report on XX/XX/2024, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5, they are supposed to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate. The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below is not associated with my residence history and must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Social Security XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and XXXX my identity.
Product: Credit card or prepaid card

Missed a payment on care credit card, they have emailed, texted, and call at least 3x a day, and leave at least one voice mail a day. This is harassment.
Product: Credit card or prepaid card

I opened a XXXX XXXX XXXX credit card with Chase on XX/XX/2022. The intro offer during this time was 5 free nights, worth up to 50,000 points each when spending {$5000.00} in the first 3 months. 
Documented here on XX/XX/2022 : https : XXXX : XXXX Documented here on XX/XX/2022 XXXX XXXX XXXX XXXX : XXXX Documented here on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX //creditcards.chase.com/travel-credit-cards/marriott-bonvoy This is also documented by numerous Chase affiliates : https : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX https : XXXX : XXXX Chase has told me that they now can not honor this offer because I " did not qualify ''. They said my account was set up with a 3 free night ( each at 35,000 points ) bonus and there is nothing they can do. 
I was told this offer was email only ( nowhere in the terms or advertising documented is this specified ) and that the offer had certain criteria I did not meet ( again, nowhere is this documented or communicated ). 

Chase is using false advertising to gain customers and is not honoring their advertised offers.
Product: Credit reporting

ATTN : XXXX Department I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section XXXX, subsection ( XXXX ) ( D ) XXXX ( XXXX ) ( XXXX ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database E-Oscar search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within XXXX business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : XXXX. ACCOUNT NAME : XXXX ( XXXX ) ACC BAL : {$620.00} This account is duplicate with multiple listing as open error please delete inaccurate. 
XXXX. ACCOUT NAME : FIRST PRMEMIER ( XXXX ) XXXX BAL : {$680.00} This account was charged off listed with wrong balance please delete error XXXX. ACCOUNT NAME : XXXX ( XXXX ) ACC BAL : {$460.00} no proof of contract collection trans error please delete. 
This account is duplicate listed multiple times.
Product: Checking or savings account

I am reaching out to discover customer service and their XXXX team to setup XXXX with discover and I get the message that my account is not eligible due to it has not been open for 90 days but it has been open for over 2-3 years. My account has been open since XXXX. This is the message I get from discover bank : We understand that you're eager to enroll with XXXX, but your account isn't eligible right now. Either your account hasn't been open for 90 days or it doesn't satisfy additional eligibility requirements. 

Some requirements are kept confidential to help us maintain account security. In the meantime, please take advantage of our other services for sending and receiving money. 

Discover refuses to tell me why they can not activate XXXX nor wishes to reset my XXXX profile. 

I have reached out to XXXX already via a complaint from the CFPB and they said that it is an issue with the partnering bank which would be discover bank. I current have no problem utilizing my XXXX with other banks such as XXXX XXXXXXXX XXXX XXXX There is nothing wrong with my number XXXX XXXX XXXX which has never been used with discover bank for their checking for XXXX. I would like what ever block they have to be removed so I can use my discover bank checking account and tell me why I cant use XXXX with discover bank.
Product: Checking or savings account

I have requested several times for Chase Bank to mail me either electronic or paper copies of all available statements. They have promised to do so several times but have never followed through. I have made requests on the phone and via secure message.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NUMBER OF TIMES ASK SHELLPOINT MORTGAGE TO CORRECT MY MONTHLY PAYMENTS TO THE CORRECT AMOUNT. {$1300.00} IT IS NOT {$1600.00} SHELLPOINT MORTGAGE ACCT XXXX ALL 3 CREDIT AGENCY MUST BE CORRECT.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED. 
( Capital XXXX {$380.00} XX/XX/XXXX, XXXX XXXX {$14000.00} XX/XX/XXXX XXXX EDC self {$1200.00} XX/XX/XXXX XXXX XXXX of defense {$310.00} XX/XX/XXXX, self southside bank {$3000.00} XX/XX/XXXX )