23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

TransUnion suddenly added XXXX ancient derogatories to my credit report -- XXXX! With XXXX update. Prior to that, TransUnion showed I had XXXX derogatories. And all of these " new '' derogatories are years old -- not new, there are multiple repeats, AND they 're items that had already dropped off my credit report ( they 're just under the name of new collection agencies ). It makes it hopeless. I have 0 % debt today, I am 100 percent on-time with my bill paying and only had medical debts to begin with, and that because I was hit by a driver with horrible insurance and spent the last 7 years having XXXX after XXXX I had to pay for out of pocket. Before that I had a high credit score, owned my own house. There is no American Dream -- or hope of avoiding today 's monstrously greedy landlords when we 're trapped and unable to buy a home and control our monthly housing costs because of these horribly inaccurate bureaus that everyone gives such power -- even though everyone knows how wrong their information is. A banker told me that it wo n't be long before they 're abandoned by mortgage lenders, etc. who know a credit score today is pretty much useless in determining someone 's credit worthiness but the computer program makes them enter the number. For now. But in the meantime, their carelessness damns anyone who falls victim to an unlucky event as much as any debtor 's prison did. There is no way out.
Product: Credit reporting, credit repair services, or other personal consumer reports

For two years now TransUnion has had me locked out of my online account, despite my efforts to reset a password multiple times .There is inaccurate information on my report as I have gotten emails from loan companies stating that I was denied and I never applied for those loans. I also asked how they report their debt to income ratio and transunion could not give me a clear answer, my current salary is {$72000.00} a year therefore the salary information that they are reporting is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts that are reporting incorrectly on my credit report : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have provided proof to each credit bureau that the information is reporting differently on all 3 credit bureaus. I have also reached out to XXXX XXXX  directly and advised that each account is reporting differently to Equifax, XXXX, and XXXX. 

Ironically, each bureau has been able to verify their status is correct, when all 3 are reporting differences.
Product: Debt collection

Company contacted me saying i owe a specific amount with no proof. Threatened to affect my credit if I didn't start paying. This occurred in XXXX of 2019. At that time I just found out i have stage XXXX XXXX XXXX with XXXX XXXX XXXX XXXX and became XXXX. I started making payments. I have to renew my XXXX with California every 10 weeks so i did not receive income for 3 weeks waiting on doctor to renew my XXXX. I informed the company but they went ahead and reported the account to the 3 credit bureaus affecting my credit. One month had not even passed and they did that injustice to a XXXX person.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the multiple attempts I have made to rectify the fraudulent items on my credit file. I believe that my case has not been given the attention and resolution it deserves, and I am compelled to file a formal complaint. 

I first became aware of unauthorized and fraudulent entries on my credit report. Since then, I have diligently followed the proper procedures by submitting detailed dispute letters, providing evidence of the fraudulent activities, and requesting a thorough investigation into the matter. Despite my persistent efforts, I have encountered a lack of responsiveness and effectiveness in addressing this serious issue. 

The fraudulent items on my credit file are adversely affecting my credit score and financial well-being. I have attached copies of the supporting documents, including but not limited to police reports, affidavits, and any correspondence related to the fraudulent activities. It is disheartening that despite the submission of this evidence, the inaccurate information remains on my credit report. 

I understand that credit reporting agencies play a crucial role in maintaining the accuracy and integrity of consumers ' credit information. However, the repeated failures to rectify the fraudulent entries in a timely manner have not only caused undue stress but also have potential long-term consequences on my financial stability. 

I am seeking your immediate attention to this matter and request a comprehensive and expedited review of my case. I insist on a thorough investigation into the fraudulent items and a prompt removal of the inaccurate information from my credit report. Additionally, I would appreciate regular updates on the progress of the investigation and the steps being taken to resolve this issue. 

If my concerns are not addressed satisfactorily within the exact timeframe from the date of this letter, I am prepared to escalate this matter to the appropriate regulatory authorities and seek legal counsel to protect my rights under the Fair Credit Reporting Act ( FCRA ). I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Product: Checking or savings account

I ordered an XXXX XXXX but I never ended up staying and told the owner 24 hours before hand. They were suppose to cancel the XXXX XXXX. Instead they wrote a fake review how they enjoyed my stay, when I never stayed there. I disputed it with Bank of America but they charged me again for XXXX. This charge has taken a toll on me, as it is taking money away from my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid my credit card within 30 days and XXXX reported it late. This is the second time they have had a system issue that failed to credit payment on time when paid. It is showing late but was not 30 days late on my credit I have proof
Product: Payday loan, title loan, or personal loan

I called to schedule a payment for XXXX XXXX XXXX as well as to schedule a payment on apast due balance. Lady worker said they where busy and would call back. I never received a call instead I checked my bank account and 4 chargers where placed on my bank account. Previously, company ACH my bank due to a payment I apparently was behind. I had paid off the balance and them as workers did not set the money towards the payments as per the manager. She then stated I should refinance which would eliminate the problem. I didnt know that I had to reborrow and pay more interest just to fix there issues. They stated I would get a refund and till then have never got it. They keep saying the district manager is  working on it but I never here anything.
Product: Debt collection

I 've never lived in XXXX XXXX so that address XXXX XXXX is incorrect. I 've stayed in XXXX all of my life. XXXX XXXX does n't serve my area, therefore, the collection is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit companies are not complying with their own policies in a timely manner In accordance with the Fair Credit Reporting act child support Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # 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
Product: Debt collection

I received a call at my place of work, XXXX, on XXXX XXXX, 2016 from Atlantic Credit & Finance. The number used was an inter-departmental phone number used for Emergency Services only. The number is not a published number and is only use by the XXXX personnel for Emergency Information only. This an unacceptable debt collection practice from this company.
Product: Debt collection

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence, such as a trilateral contract, that I have any legal obligation to pay you.

I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me or my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of false and deceptive forms is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306.

If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will file for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

While reviewing my credit report, I noticed several discrepancies in billing. The reported late payments are not reflective of my usual payment behavior. Kindly resolve these errors and update my account. Thank you!
Product: Bank account or service

I have had a pending issue with First Hawaiian Bank, regarding a scam that took place. In the previous complaint i filed it goes into more detail. I was given a fraudulent check in which i deposited {$2600.00} into the bank. The next day, even though the check had n't been cleared, i was allowed to withdraw half of the money. First Hawaiian Banks policies state that until the check has cleared, only {$200.00} would become available to me next day. Yet, I was able to withdraw more than stated amount. This is an excerpt from First Hawaiian Banks website on their policies for depositing checks. 

Q : What does it mean if I receive a hold on my account after I have made a deposit? 
A hold means that although we 've received your check for deposit, you wo n't be able to use the funds until the hold period has expired. Depending on the type of check that you deposit, funds may not be available until the third business day after the day of your deposit. However, the first {$200.00} of your check deposits will be available on the first business day after the date of your deposit. If the deposited item is returned unpaid before the hold expires, those funds will not be made available to you. If the deposited item is returned after the hold expired, we charge your account for the amount of the item. Holds are placed to help protect both you and us from losses that could occur when a deposited item is returned unpaid. Situations that typically cause a check to be held include : -There is reason to believe the funds may be uncollectible-The source of the check ( e.g., foreign checks ) -The account is a new account ( new account rules apply for the first 30 days the account is open ) -The account has repeated overdrafts in the last 6 months-You deposit checks totaling more than {$5000.00} on any one day-Fraud is suspected-The check was previously deposited, then returned unpaid-The check was not properly endorsedAs a XXXX year old, making her way through the tough economy that is XXXX, I never had much money in my bank account, and if First Hawaiian Bank checks their records they 'll find that previous to this transaction my account had been over drafted several times before. At the time I deposited that fraudulent check, i only had about {$3.00}. I will not pay for the negligence of First Hawaiian Bank, I should have been protected under these policies that are stated so clearly on their website for everyone to see. A hold should have been put on my account. Never had I deposited a check that big before into my account, that should have been a red flag in itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED THE THE CREDITORS AND DEBT COLLECTORS AND THEY HAVE FAILED TO RESPOND! I ALSO SENT THE NOTICES TO THE CONSUMER REPORTING AGENCIES XX/XX/XXXX to which they received on XX/XX/XXXX TO WHICH THEY HAVE FAILED TO TAKE ACTION IN A FAIR AND EQUITABLE WAY! I followed up with a demand to comply on XX/XX/XXXX that was received on XX/XX/XXXX! THEY ARE FAILING TO RESPOND AND CAUSING SO MUCH HARM TO MY REPUTATION! THESE NEGATIVE MARKS AND DEROGATORY ACCOUNTS NEED TO BE REMOVED IMMEDIATELY! IF SOMETHING IS NOT DONE WITHIN THE NEXT 10 DAYS I WILL BE FILING LAWSUIT AGAINST THE CRAS ALONG WITH THE CREDITORS AND DEBT COLLECTORS FOR DEFAMING MY CHARACTER!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to work with both the credit beurres and collector to have this fraudulent account removed from my credit report. There is information on my consumer report that is a result of identity theft I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. I tried reaching out to the collector various times via email and mailed letter asking for validation debt letter and they failed to provide me with it. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I disputed XXXX XXXX  XXXX twice already. I demanded a collection removal because the account on my report says it was opened on XX/XX/year>2024. I explained that I was NOT living in the United States XX/XX/year>2024. So therefore, I did NOT open an account on XX/XX/year>2024. Instead of the credit bureaus deleting the account, they simply closed it. I showed multiple proof of my residence in XXXX, therefore they are choosing to ignore the facts, and chose not to delete the false information. I have attached my leasing document from XXXX. Ive even gone as far as taking a picture of my visa stamps in my passport to show that was not in the United States when these accounts was opened.
Product: Student loan

I called Navient in XXXX of 2016 to find out if I needed to submit additional documents for the In School deferment and I was told by the associate that everything was fine there was nothing else that I needed to do. I asked her if she was sure that there is nothing else that I need to do because I received a letter stating a payment is coming due in XXXX 2016. She said I see your letter you submitted with your graduation date listed and once your school reports that you are enrolled full time for this school year it will update the in school deferment on your account and everything will be ok. 

Well I received another letter in XXXX XXXX this time it was a statement/invoice for XXXX 2016. So I called back to find out what is going on with the in school deferment. The associate said Oh I see the problem you have used your 48 months and we can not process your in school deferment. I said what? I need to speak to a manager. I told XXXX that this does n't make any sense because it was never communicated to me by phone or in writing that I only have 48 months for a in school deferment and that I have used my 12 month forbearance. I said most degrees take longer than 2 years and I have n't used a forbearance. 

She had no response for most degrees taking longer than 2 years and she said when this loan was with XXXX XXXX you used those months. I said XXXX XXXX ... they were just in trouble for their unlawful practices and were allowed to start all over again after selling off my loan and I cant start over. I told her this is not right and it has to be against law. I asked her to walk me through where I can find the disclosure of these shoddy practices online and confirm where it is documented that this disclosure was mailed to me? She said I cant because it is not online and nothing was mailed to you or included on your statement. So then I asked her how would I know that I am not eligible for a in school deferment and who in there right mind would sign up for a two year in school deferment only when we know most degrees take longer than 2 years? She did not have a response. 

I told her I was disgusted and disappointed with XXXX XXXX and Navient for these unlawful ( and unethical ) practices and that I would be filing a claim with everyone that I can. She apologized and offered to reduce the payment and said it will not be effective in time for the payment due in a few days. I said since this does not directly affect you of course you do n't care ... because you get your paycheck from them! I also said you know this is not right she just apologized again and said she would process the monthly payment reduction request.
Product: Credit card or prepaid card

I have a XXXX Mastercard issued by Barclay Bank that was issued in XXXX  in 2019. 
Someone evidently called Barclay and asked for a replacement card XX/XX/19 and it was sent to them at another address that is not mine. I never asked for or received the second card. The person then took the card to XXXX XXXX in California and tepid to da a can advance withdrawal which was denied and then they tried again evidently using the chip on the card a did a cash advance for {$4500.00}. which went thru on XX/XX/19. 

I notified Barclay after I received my statement that this was fraudulent. I put a stop on the card ending in XXXX and they sent me a new replacement card ending in XXXX which I received XX/XX/19. 

I was notified on XX/XX/19 that they were stopping the investigation because they thought I couldn't prove it was me. 

I asked them how could they send a request for a replacement card to a different address in a different state without verifying with me. I also asked how could a bank give a cash advance without proper identification. 

After must frustration they have reopened the investigation on XX/XX/19 but as of today XX/XX/19 they have not resolved my issue. 

I have filed a IC3 Complaint and I have filed a Police report with the XXXX, CO police department officer XXXX XXXX
Product: Credit card

On XXXX XXXX, XXXX in the evening, I called my American Express XXXX and spoke to an agent regarding making a reservation for XXXX/XXXX/XXXX at the XXXX in XXXX XXXX. I completed the reservation for a room and then called back to change to a different room after discussion with my husband. I spoke again to an agent and believe that they had scheduled and rebooked the room. I was NOT INFORMED THAT THIS WAS AN ONLINE BOOKING. I believed I was speaking to a travel agent who was actively calling and making my reservation every time I called the American Express XXXX XXXX. I made a XXXX change to this room in XXXX XXXX. Each time I requested a cancellation of my previous booking and believe that this had taken place. I was under the impression I had XXXX reservation at that point. On XXXX XXXX, XXXX, I again called the American Express XXXX XXXX to cancel and change the reservation to a cheaper room at this hotel, but told the agent I needed to confirm with my son and might again cancel this reservation. They seemed to understand. The next day, I called and cancelled the reservation for the final time. My son found a more reasonably priced hotel and insisted we stay at the hotel with him and his wife since we were traveling together in a foreign country. I can submit copies of the emails I have, XXXX of which have a cancellation number on the email. The agent I spoke to had not cancelled any of these reservations " on line '' - I had no idea till I accessed an email after the date. I have opened XXXX investigations and the XXXX continues to say that I am responsible, that I should have known it was on line, that I needed to provide the confirmation number, which I thought was available for the agent to see when I called in. I was never told this prior or during my call with the agent. I have continued to maintain that this was the company 's error and the XXXX XXXX has continued to maintain it was my responsibility. When researching this ( after the fact ) online in XXXX XXXX, I found XXXX complaints against American Express XXXX on the Consumer Affairs website that tells me that my problem is very similar to a number of the credit card members. I felt this was a reputable credit card company and had no idea that I would be treated this way until this happened. I believe that American Express XXXX should have provided written and oral instructions that clearly communicate how this reservation and cancellation process works. If my Consumer Finance complaint does not resolve this for me, I truly hope that it will be able to prevent the kinds of credit card abuse that is represented in my experience and that of the other XXXX individuals who have complaints against AMEX XXXX
Product: Checking or savings account

Citibank closed my account on false fraudulent charges. I have asked for my funds to be returned to me totaling over $ XXXX. I need these funds to pay bills and have not been able to without borrowing money because of this. This is costing me a lot and it has been months and they have yet to return my funds to me.
Product: Debt collection

XXXX I receive texts from this company EVERYDAY, EVERYDAY and its pushy, and I tried calling them because I would settle and pay it off, but I also havent even received anything from them, except texts. So this can be resolved by them or get it off my credit report because I tried calling and settle and the customer service representative was just ignoring me and didnt really seem to care so I gave up
Product: Credit card or prepaid card

I purchased a vanilla gift card on XX/XX/2022 and it was for {$100.00}. I checked online to see my balance and it was {$100.00}. XXXX minutes later I check my balance because it says it may take XXXX minutes for the car to activate and my balance is XXXX dollars. This is ridiculous. I did not use the card at all and I dont know who or what the company was that the person bought from
Product: Debt collection

I think the account might not be valid. CONTRACT CALLERS INC must confirm in a legally binding statement that this claim is legitimate and doesn't have any issues like breaches of agreement, lack of consideration, or significant changes, and that the original lender received proper value. Also, they must assure that the transfer of the alleged account was done in good faith with everyone 's agreement. If they can't provide this sworn statement, I demand the removal of the account from my credit record and their records. CONTRACT CALLERS INC XXXX