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

I am a victim of identity fraud and I have inquries on report did not come from me TransUnion ( XXXX ) CompanyDate of inquiryAddressPhone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXXXXXX 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 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 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 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 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$40.00} XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

On XXXX XXXX, XXXX I sent a letter to XXXX XXXX stating I called XXXX XXXX thru XXXX XXXX requesting my account be cancelled. I was n't able to cancel service myself with XXXX, due to their policy. I was able to cancel my service by turning off my XXXX and putting it another name, XXXX allowed this only because of my complaint. I requested a refund for the months mentioned for the difference between XXXX 's rates and XXXX rates. I also stated I wanted the following amounts paid to XXXX by XXXX:XXXX accounts reported on XX/XX/XXXXOpenAccount # 1 $ XXXXBalanceXXXX XXXX XXXX XXXX XXXX XXXXOriginal Creditor $ XXXXOpenAccount # 2 $ XXXXBalanceXXXX XXXX XXXX XXXX XXXX XXXXOriginal Creditor $ XXXXAccount # 3 $ XXXXBalanceXXXX XXXXOriginal Creditor $ XXXXI contacted the creditor back in XXXX, XXXX sending in all documentation showing I have been disputing this issue. I received no response, I only know that this issue is not being resolved because this is now on my credit report, was put on credit report XXXX XXXX, XXXX and XXXX XXXX, XXXX. I made it very clear to XXXX via phone and correspondence I attempted to cancel my account for five months because it was very obvious I was being overcharged XXXX XXXX I submitted a complaint to XXXX XXXX XXXX 's ofice, XXXX XXXX XXXX XXXX .I filed a complaint with the NYS Public Service Commission XXXX XXXX, XXXX. I am refusing to take financial responsibility for a company that would not cancel my service and overcharged me for over five months.
Product: Credit reporting or other personal consumer reports

The credit report shows the following : XXXX have received reported payments up to XX/XX/year>. 
XXXX have received reported payments up to XX/XX/year>. 
Equifax have received reported payments up to XX/XX/year>. 
My mortgage payments is not accurately being reported to the credit reporting agencies each month on time.
Product: Checking or savings account

My debit card was used for an unauthorized transaction of XXXX, upon disputing transaction I was denied for the most weird reason saying that no one used card after I called to dispute.
Product: Mortgage

I have been trying to find out why my mortage company won't apply my monthly payment to the month I call in, I have asked them every month I make a payment why is there a overdue amount that is not the amount of my monthly payment, they say they record every conversation, I tell them every month to have somebody find out how they come up with this overdue amount, their paper says late fees will be applied after tge XXXX of every month, they hit me with late fees, because they won't figure out where the problem started, or have a supervisor in finance department call me, they have given me 8 back to back delinquent payments, they gave me a confirmation for a payment in XXXX, but they never applied the payment, then they hit me with a delinquent mark and a late fee, and say they don't know why it has happened, but it is my fault to straighten it out, I have 2 other mortages and no problems, I have been with this company for 3 plus years and have had nothing but problems, when I ask for a supervisor, someone gets on the phone, and says they will investigate, and call me back, but nobody ever does, if anybody listened to the socalled recordings, you would hear me ask over and over, why can't somebody get off their lazy XXXX and find out whats going on and when did things get screwed up, amd I will admit, I have lost with them more than once, but I start out civil, but the company is so fly by night, and they don't do anything to help rectify the situation, this is my third problem with them, both other times it was their fault, but this one and the one in XXXX have ruined my credit score, I sent copies of bills and late letters to you all from them in XXXX, but never heard back from you all, so I just said oh well, but when I went to refinance, the guy at XXXX said my credit score needed to be at least XXXX, and said because of Loancare Co., my credit score is XXXX, another person said, because your loan pays them so much, and not much towards principal, they might be doing this to keep you stuck so you can't refinance, please help me, can someone please email me back to let me know you got this, thank you, and have a blessed day
Product: Credit reporting, credit repair services, or other personal consumer reports

Self Lender reported my credit card payment as XXXX days late in XX/XX/2021. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604a Section 2, it all states that a reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B it states 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, credit repair services, or other personal consumer reports

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX CARD XXXX, XXXX XXXX , XXXX XXXX  XXXX  XXXX XXXX Please eradicate the accounts mentioned..I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : OAG CHILD SU Account Number : 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 USDOE/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And list of Inquiries According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

I received treatment from a place called XXXX before I was seen by a doctor I had to submit my insurance information and a debit card on file. I never received a bill for the remaining balance that insurance did not pay instead the company was bought out by XXXX XXXX XXXX and all bills were turned over to Transworld collections I noticed the bill on my credit report and called and paid the bill immediately but also wondered why they did not use the debit card on file or XXXX card to pay the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

american express has given me the worst customer experience I have ever had thus far. Someone stole and used my XXXX XXXXXXXX credit card on XX/XX/year> and made two unauthorized transactions, one from XXXXXXXX XXXX for {$30.00} on the XXXX and another for {$500.00} on the XXXX of XXXX. I reported these unauthorized transactions as soon as I found out and instead of treating me like a valued customer, american express locked my account and demanded selfie verification. They wouldn't even allow me to report these as unauthorized transactions unless I do the selfie verification which should be illegal. I told them I will do notary instead and amex agreed and sent me a notary packet. I had to get the notary done twice and every time I uploaded it through american express " secure upload '' platform, I received a receipt that I sent it to american express in my email ( screenshot attached ) yet every time I called for an update, american express reps would lie and tell me they didn't receive anything and to upload It again. I got lucky one time i called and had a rep who had more authority who was able to report the transactions unauthorized for me, but then I got an email saying my fraud dispute was resolved for the {$30.00} but the {$500.00} could not be found, yet I am being forced to pay for an unauthorized transaction that allegedly can't be found? On top of that they're stacking up late fee charges and ruining my credit score. I dont see anything more clearly of a lie than that, and I will use this as evidence in court. I'm sick and tired of these games, its so unprofessional and annoying. I have a busy work life and lots of responsibilities, I don't have time to go back and forth, treat me with respect please, because I did everything that was asked of me. I have receipts showing I sent in the notary forms twice, I have receipts in my email showing I reported the unauthorized transactions and proof that American express was being deceitful in its claims that it can not locate the {$500.00} transaction, because it clearly shows on my credit card statements I just downloaded.
Product: Credit card

On XX/XX/year> I was notified by Chase that a plane ticket I had purchased had a change in itinerary and I needed to go online to accept the changes. When I went to see what the changes were I saw that they had changed my return flight ticket from XX/XX/XXXX at XXXX to XX/XX/XXXX at XXXX. The flight arrival time was the same ( XXXX ), but the departure got moved approximately two hours earlier. Both original and the updated flights were departing from XXXX XXXX XXXX XXXX and arriving in New York XXXX. The updated flight was showing a total duration of 1 hr, although the original flight was direct and lasted approximately 5 hours, and the updated duration should've been 7 hours 10 minutes. This led me to believe that they had changed the flight to include a layover, however where the layover was was not displayed, it was just showing that I now had a " one hour flight '' from XXXX XXXX XXXX to XXXX, with a departure time of XXXX on XX/XX/XXXX and an arrival time of XX/XX/XXXX at XXXX. 

I booked the plane tickets through Chase 's travel agency that is a free benefit associated with the credit card. 

I called Chase 's travel agency on XX/XX/XXXX to try and resolve the matter and was on the phone for over an hour without a successful resolution. 

The agent told me that she could also see that I now had a layover, but couldn't or wouldn't tell me where the layover was. At the time of booking the original flight I paid extra to ensure that the flight would be direct, as my husband has to apply for visas in many countries and we didn't want to risk a layover, and I have a physical XXXX that makes travel difficult and so it was worth it to us to pay extra for a direct flight. 

Chase went back and forth between not admitting that it was not a direct flight, and saying that if there was a layover they were unable to tell me where it was and I needed to call the airline. When I called the airline the airline told me that they could not give me any information about the flight as I had booked through a third party, Chase. 

Finally Chase offered us the same flight we had been originally booked on, but on an earlier date, so we are now on a flight that departs on XX/XX/XXXX and arrives on XX/XX/XXXX but is direct. I do not find this to be an acceptable solution, as we again paid extra to fly on the date we had originally booked which was a Sunday and Sunday flights are much more expensive than Saturday evening flights. Chase maintained that the issue was with the airline ( but would not tell us why the flight had been changed or confirm that we had a layover ) and would not allow us to rebook our flight with a different airline without cancelling the entire flight, paying cancellation fees, and then booking a new flight entirely which is not a reasonable solution and would've been much more costly.
Product: Debt collection

XX/XX/XXXX Collection Agency and Original Creditor was contacted and asked to remove the false information they were reporting on the ( 3 ) credit reporting agencies. 

XX/XX/XXXX Collection Agency and Original Creditor responded with an ooutdated payment stub with incorrect account information ( original creditor is falsely reporting payments made and amount of total debt owed and changed the terms of contract after credit was issued from zero percent interest/zero APR for 24 months ( signed in doctors office XX/XX/XXXX) / also violated the Truth in Lending Act by changing the terms of agreements without notice and acquiring a signed document to agree to financial changes ). which is also in violation of the Fair Credit Billing Act for  disclosing the incorrect amount ( {$11000.00} ) and by failing to post the payments they received in good faith of clearing the debt. ( I can provide proof of payments made XXXXXX/XX/XXXX) In violation of the Fair Debt Collection Practice Act Section 807 ( 8 ) Collection Agency extended a payoff agreement of 10 % of balance on a Collection Account- after they received ( {$1300.00} ) more than 10 %, months later they left threatening voice messages and filed a case in small claims court to sue for incorrect amount of debt. I was never served papers or received any correspondence to appeal in court. 

Collection Agency is also in violation of the Fair Credit Reporting Act Section 623 ( a ) ( 3 ) they did not provide proof bearing my signature for the debt in question nor did Collection Agency provide a Dispute statement to the credit reporting agencies during this inquiry for validation of debt. 

Collection Agency and Original Creditor is being defiant in a personal manner by continuing to show negligent enablement of identity fraud and defamation of character.
Product: Credit reporting

EXPERIAN HAS NOT PROPERLY REQUESTED PROPER DOCUMENTATION WHICH PROVES XXXX IS RE-AGING XXXX DEBT/CREDIT TRADE LINES IN VIOLATION OF FCRA GUIDELINES AND FTC MANDATES : PLEASE READ MY COMPLAINT AS FOLLOWS : I XXXX XXXX am filing a complaint against my former mortgage servicer. The original servicer has long been eliminated from my credit report, simply because my first late payments were registered in fiscal year XXXX. XXXX XXXX took over servicing in XXXX, and they have cut off over five ( 5 ) years of my payment history simply to re-age the debts, and these debts have been satisfied in full. The seven year applies as mandated by federal guidelines, both under Federal Trade Commission federal lawsuit decisions and by the Fair Credit Reporting Act. The original servicer was XXXX XXXX XXXX, long out of business. XXXX is simply re-aging a debt ( s ) trade lines they have no legal right to. In general, XXXX of these accounts need to be deleted permanently and that my file information be purged with prejudice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 I signed up for a " free '' credit report from TransUnion, without requesting any additional services. Since then I have been charged almost {$25.00} a month for " monitoring '', every month, without receiving any notifications, receipts, invoices, etc. There is also no way to terminate this subscription online : one has to call them on the phone, wait on hold, give personal information ( e.g. SSN ), and have the account canceled. TransUnion is clearly trying to avoid this charge being noticed, and obfuscating the fact that you " sign-up '' for this when you request a free credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit bureaus ( XXXX XXXX , & XXXX  ) several times ( XX/XX/21, XX/XX/21, XX/XX/21, & XX/XX/21 ) via certified mail letters disputing errors on my credit report. The one in specific that I'm complaining about is Capital One Auto Finance. It is listed as a joint account under me and my wife name. This account does not belong to us. The credit bureaus has only sent responses saying it was valid/verified with no documentation bearing our signatures. I have also reached out to Capital One Auto Finance for validation ( XX/XX/21 & XX/XX/21 ) and they sent a generic letter that it was valid and another saying we didn't provide them with enough information, when we did. This is causing emotional distress and making it difficult for us to get approved for a mortgage. We need assistance with getting this off both of our credit reports as soon as possible.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a complaint to the CFPB with regards to Transunion, and fraudulent reporting and unowned accounts on my credit report. Since that time, there has been no response from Transunion, neither has there been any updates from the CFPB. In addition I have now noticed another fraudulent account on my report, reporting as XXXX, of which I have never owned. Lastly, Transunion wont allow me to open a dispute against this account on my credit report. I am only left with one option, to complain to the XXXX  and CFPB. Please remove these accounts from my report immediately they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lvnv was taken off my experian report for misinformation. XXXX and XXXX will not remove, stating information is accurate but obviously it is not. Also XXXX XXXX XXXX XXXX. Was taken off my XXXX report for misinformation but XXXX and will not remove it stating information is accurate but obviously it is not. Please have these accounts removed from all credit reports
Product: Credit card or prepaid card

I was offered XXXX XXXX XXXX as part of an introduction offer if I spent {$5000.00} in 3 months and paid a {$250.00} annual fee. Although I paid the fee and meet promotion spending requirements I did not receive the introduction bonus XXXX skymiles. American Express says I did not get the reward because although I have never had this card, I have had other Amex cards that gave introduction promotion offers. However, The application disclaimer said I would be eligible if I had never had this card before. Amex practices are anticompetitive and fraudulent. They stole my {$250.00} by offering a product they did not provide and cite vague discretionary contact terms in their defense. Their anticompetitive and fraudulent practices have defrauded me of my money and Amex competition of a customer. Amex should not be able use vague, broad, or discretionary contract terms to defraud customers and should be required to refund a prorated annual fee if a client cancels.