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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to dispute the inaccurate payment history reported for my XXXX XXXX XXXX XXXX account. According to my records, the account, which was opened on XX/XX/XXXX, and closed with a status of " XXXX in XXXX '' for an amount of {$11000.00}, was incorrectly reported as having late payments from XX/XX/XXXX to XX/XX/XXXX. The original loan balance was {$18000.00} with a payment term of 74 months. 

The inaccuracies reported on my credit report violate several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : XXXX U.S.C. XXXX ( b ) - This section requires that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of information in credit reports. The incorrect late payment history does not comply with this requirement. 

XXXX XXXX. XXXX - This section mandates that when a consumer disputes information on their credit report, the XXXX XXXX XXXX must investigate and correct any inaccuracies. The incorrect late payments should be investigated and rectified. 

XXXX XXXX. XXXX ( XXXX ) - This section defines a credit account and requires accurate reporting of the account status. The erroneous late payments misrepresent the accounts payment history and thus violate this provision. 

XXXX XXXX. XXXX - This section outlines the responsibilities of furnishers of information to provide accurate information to credit reporting agencies. The late payments reported from XX/XX/XXXX to XX/XX/XXXX are inaccurate and should be corrected by the information furnisher, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022... 

The credit bureaus stated the following accounts were properly investigated : - XXXX XXXX XXXX ( Acct # : XXXX - {$690.00} ). 
- XXXX XXXX XXXX ( Acct # : XXXX Reported Amount : {$1300.00} ). 
- XXXX XXXX XXXX ( Acct # : XXXX - Amount : {$240.00} ). 
- XXXX XXXX XXXX Acct # : XXXX Amount : {$6500.00} ). 

How is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported in not accurate? This is grounds for removal. 

They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I havent given these accounts written permission to furnish any of these accounts on my credit report as well.
Product: Debt collection

Keep receiving lettets stating I owe a creditor called XXXX XXXX XXXX and I have never even heard of them
Product: Credit reporting or other personal consumer reports

I contacted equifax, XXXX and XXXX XXXX telephone in the month of XX/XX/XXXX, the person who assisted me told me that the inquiries that I was requesting to be removed would be deleted from my report, but when I reviewed my Report weeks later they were still there. I decided to send a written letter first asking them to correct my personal information and then I sent a second written letter requesting that they delete the inquiries that had inaccurate and uncorroborated information that appears in my Credit Report, but they did not respond to me. These are the queries : 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 get a call at XXXX  from Dynamic Recovery Solutions. They hang up, I call them back. Get the automated voice saying that they are Dynamic Recovery Solutions and to hold for the next available agent. Before they had time to say much of anything I informed them it was 8am ( work nights ) in the morning and that I'm reporting them. They asked what the last 4 digits of my SS # are, I hung up. Their number is XXXX. I don't have any debt now. I have an excellent credit score and there are numerous complaints about this company 's tactics. This has to stop. This is harrassment.
Product: Credit reporting or other personal consumer reports

TransUnion consumer reporting agency sent me a letter stating that they need more proof of my personal information to verify my claim. 

I am not the one needing to verify who I am, this is a delay tactic. 

TransUnion is to remove inaccurate reporting of my information. Reporting my personal usage, balances, delinquency, and or collection status is unfair practicing and illegal according to 15 USC 1681 section 602 A and 15 USC 1681 Section 604 A section 2 and A1. They are reporting on what congress defines as transactions and experiences which is not prohibited. Under 1681 N civil liability will hold them accountable for damages, denials of credit or rejections due to inaccurate, unlawful reporting. 

File numbers are XXXX and XXXX. 

XXXX and delete immediately
Product: Student loan

Department of Education YOU HAVE BROKEN THE LAW. I notice that you placed incorrect information in my consumer report. Any late payments are considered a transaction and experience, which is prohibited from being reported on my consumer report. Also, if you are going to report payment history, being late starts at 30 days and you have it starting at 90 days late. There are only XXXX days in a month so how could I be current on payments XXXX month and 90 days late the next month. 35 % of my calculated consumer score comes from Payment history and by you reporting incorrect information you are letting others know I am not creditworthy. Below is the law you have broken and violated my rights. Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER III - CREDIT REPORTING AGENCIES 1681a. Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general. The term consumer report means any written, oral, or other communica-tion of any information by a consumer reporting agency bearing on a consumer 's credit worthi-ness,1 credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the pur-pose of serving as a factor in establishing the consumer 's eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions. The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( I ) report containing information solely as to transactions or experiences between the con-sumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affil-iated by corporate control; or ( iii ) communication of other information among persons related by common ownership or af-filiated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; As you know, each violation is up to {$1000.00}. Not including the actual damages done to me for not being able to get the house I wanted, paying high car notes because of the interest rates, and not being able to get other things. I want you to fix this immediately and compensate me for the damages you have done to my reputation.
Product: Student loan

Loan was moved from XXXX to EdFinancial weeks ago. I have not received any correspondence and can not talk to anyone because I have no account # s and social isnt in their system. I was promised customer service would be better. They are as bad as all the others. This puts undue pressure on the borrower. Things NEED to change or my loan should be released.
Product: Credit reporting

I went on transunion XX/XX/XXXX and got message to try back due to technical error in 24 hrs. I needed to submit disputes. Then the XXXX company I tried XXXX only gave me the option to gather all my ID, etc. and mail it. sorry, but I do n't have time thats why I went online. I like most people work 10 hrs a day, and I do n't have time or access to a copier, and I would not be allowed to use it at my strict job, which I just got. 
Okay, so today is XX/XX/XXXX and I went back to transunion site way after 24 hrs and am getting the same message. please fix this problem. I need to submit disputes. thanks
Product: Mortgage

I have an FHA loan from BB & T and due to the pandemic we have had no option but to apply for a forbearance plan. They have called me countless times from beginning of XXXX ( I didn't pay only the month of XXXX ) to tell me I have a missing month that in fact the forbearance plan I applied for will put XXXX in the end of my loan term. I have heard the word foreclosure countless times, until I school them on what my plan and rights are. I applied for the plan that puts my missing months towards the end, I am not missing payments to get calls 20+ times. Agreements don't mean anything anymore. They call me and ask about my information before disclosing anything, how can I trust them if its no scammer. Each call takes 10-15 minutes of my day, due to an error on their end.
Product: Debt collection

I have received debt collection letter from "  American Express   XXXX   XXXX  '' regarding Credit Card account that has been opened on my identity but I never actually opened it.     As American express detailed account number have last  XXXX  digit "  XXXX  '' and balance of {$4500.00} In my further inquiry about subjected account, I 've found out that a credit account has been opened on my name on   XXXX   XXXX   and closed on   XXXX   XXXX  . However I never opened such account and do not recognize any transaction from that account. Hence someone else must have opened a fraudulent credit card account on my stolen identity.     My name is  XXXX   XXXX  and I am a resident of   XXXX   XXXX   XXXX  , NY- XXXX . My appeal is to investigate this fraudulent account and fraudulent charges on my account as soon as possible. Also please advice me how to deal with this fraudulent debt collectors.     I 'm attaching copy of debt collection letter for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing because on my reports from Experian XXXX XXXX and XXXX They show i have a Public record of Bankruptcy dated XXXX in which I've never applied for. I contacted the Bankruptcy court via mail also stating to me they did not report this to either bureau. I've also found several inconsistency 's with all three reporting 's on my report which is an FCRA violation and is grounds for immediate removal. XXXX shows the court as US Dist ct XXXX shows US Bankruptcy Court and Experian Shows US BKPT CO XXXX as the reporting court. Please remove immediately these are fraudulent and inaccurate and don't belong to me.
Product: Credit card or prepaid card

I applied/was accepted for the Gold Delta American Express ( Amex ) card on XX/XX/XXXX, as they were offering : - {$200.00} statement credit after making a delta purchase within the first 3 months XXXX bonus miles after making {$1000.00} in purchases within first 3 months I was accepted for the card, used it on Delta flights the very first day, and met the required spend amount to get the bonus miles too. I called on XX/XX/XXXX and the agent I was on the phone with said I had fulfilled all of the necessary steps for the bonuses, and to expect them on my next statement. After that statement passed, I called again and talked to a different agent - she said I was not eligible for this promotion as I should have received a popup when I applied, but I did not, otherwise I would not have gone through applying and definitely would not have put so much on this card. I am confused and disappointed about how two agents can say two completely opposite things, and how companies are allowed to just renege on their terms that they offer.
Product: Debt collection

Collection was sent to LJ Ross but when service was reactivated at new address the debt was sent back to XXXXXXXX XXXX  and was resolved through XXXX XXXX. LJ Ross kept giving the run around and was not helpful at all. Spoke to 10 different people, kept getting transferred and very rude customer service.
Product: Checking or savings account

I hold a health savings account with Optum Bank. As part of the product offering, I am able to direct my funds into mutual funds investments offered by third party providers and administered by Optum Bank. 

Over the course of my time having this account, I have been invested in accounts with expense ratios of between XXXX XXXX and XXXX XXXX with XXXX. These expense ratios charged by XXXX are quoted as a percentage of the invested amount and charged annually. However, Optum Bank has been charging XXXX XXXX XXXX % as a monthly rate and deducting monthly. As an example, the most recent charge on my account was on XX/XX/XXXX and on a balance of {$13000.00} with a fee of XXXX XXXX, I was charged {$4.00}. If the XXXX XXXX number had been divided by XXXX to convert the annual fee rate to a monthly one, then I should have been charged by a factor of XXXX XXXX and should have been charged {$0.00}. 

Indeed, in the prospectus for my XXXX mutual funds, XXXX provides examples of the annual expense ratio fees that will be charged on certain hypothetical amounts. On a hypothetical {$10000.00} account, I should pay {$4.00} annually in fees. Under Optum Banks fee deduction, I would instead pay {$48.00} annually on that hypothetical portfolio.

This bank, Optum Bank, is overcharging me and probably other customers on expense ratios in a manner not consistent with the prospectus provided by the mutual fund provider. 

On my online account, I am able to observe transactions back to XX/XX/XXXX and this incorrect charging of fees dates back till at least then. I have been overcharged by XXXX times the correct amount for every month going back to at least XX/XX/XXXX. I have had this account since XX/XX/XXXX, so it is reasonable to believe that overcharging dates back to then in my case. 

I attach an example of this charging scheme from the most recent charges.
Product: Checking or savings account

NFCU recently refused to process disputes that were a very obvious attempt at a scam. A retailer spent around a year refusing to follow their own policies by allowing me to choose a method of shipment. After about 8 months of them finally agreeing, they began insisting on shipping my orders via XXXX, for the purpose of stealing them. After multiple instances of catching XXXX editing the tracking of shipments, the retailer now refuses to even respond to a message. Oddly enough, transaction notifications for these, along with many other transactions were disabled through NFCU. The subject of a previous complaint, that I have caught occurring again just this morning. NFCU refuses to tell me which transactions were placed manually or in-store, and refuses to submit a SAR for the numerous and ongoing security infractions that occur on my accounts.
Product: Debt collection

American Collections have falsely listed multiple collections accounts on my credit report. I have never heard of this agency nor do I have any knowledge of these accounts.
Product: Checking or savings account

On XXXX 2023 my social security benefits posted to my account of XXXX. So I have call chime to to talk about a dispute that I file prior before this happened to me. While on on hold with Chime the agent act like he was helping me and all of sudden he withdrawal my my money out of my account and never can back to speak to me. I hung up call back explain what to me to another agent they so call put in under as a dispute which less than 24hrs they emailed and say they didn't find anything clearly it wasn't investigated at all. Cause they close it out trying not to admit guilt. So I call them back next day they filed another dispute no findings less than XXXX. Emailed XXXX in morning to let me know and at XXXX. They refused to help at all. Today I look at my account they erased the transaction all together.
Product: Bank account or service

I was promised a promotional offer by Citibank in connection with opening a Citigold checking account. I met the required criteria stipulated by Citibank, of which I have documentation. After meeting the criteria, Citibank confirmed that I had done all that was required to receive the promotional XXXX XXXX XXXX miles and that the miles would be rendered within a certain amount of time. That period of time elapsed long ago. I sent additional messages and made additional calls and Citibank still has refused to perform as promised. 
Citibank tricked me into signing up for the account by promising a promotional offer they never delivered. They collected the fees from me for the account each month while stringing me along promising to render the miles. I believe they did this knowing that they would not give me the miles but wanted to continue to collect fees from me for the account. I want Citibank to perform as promised and deliver the XXXX XXXX XXXX miles.
Product: Debt collection

Lendmark Financial continues to call my employer. My human resources department and any line in the company. They are harassing my family with daily phone calls as well. I have sent numerous communication via email and told them on phone to cease calling. this has not stopped.
Product: Credit card or prepaid card

I applied for, and received, an American Express Platinum Delta SkyMiles card on XX/XX/XXXX. AmEx advertised XXXX bonus miles for applying, with an additional XXXX bonus miles for meeting certain spending amounts in the first 3 months. 

When I applied online, a note came up that said I was not eligible for the bonus programs, but I was given an opportunity at that time to ask for reconsideration. The message I received back was I would be awarded the bonus miles if I successfully completed an approved application. I then signed up for the card, including the {$250.00} annual fee. 

I was told by and AmEx representative via the Chat application on XX/XX/XXXX that I was eligible for the XXXX and XXXX bonus miles award that was offered when I applied for the Platinum AmEx card. I checked in several times since then and was told that the award would be placed in my account in the next several months. 
Unfortunately, when I checked on status of award miles on XX/XX/XXXX, I was told the welcome offer was declined and I would receive no Delta SkyMiles. It is basically a case of being told one thing to get me to sign up for an expensive card and AmEx not delivering on its offer. 

I had several web chats and calls with AmEx regarding this, as well as writing two letters ( XX/XX/XXXX and XX/XX/XXXX ) to resolve this issue. I did a final web chat on XX/XX/XXXX to again request the bonus miles. They said I was ineligible and not only refused to award the bonus miles, but also to refund the {$250.00} annual fee that I suggested would be acceptable resolution for me. 

AmEx said they clearly stated I was ineligible when I applied. I very much dispute this- I understood during the application process that they would award the miles and that is the only reason I would have spent {$250.00} in annual fees for a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved a XXXX XXXX XXXX  credit card early XX/XX/2019, as an authorized user, for the sole purposes of piggy backing. The credit card has yet to show up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX Opened Date XX/XX/2017 which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Why do they report my name wrong in this report. They have the wrong person in these accounts please use my correct name as my drivers license and social sec XXXX XXXX XXXX the other person is not me. Please REMOVE NOW *** Violation of My Rights under the FCRA and Failure to Provide Method of Procedure in Adverse Action*** I am writing to address an ongoing issue with TransUnion, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I have made multiple attempts to correct a problem regarding certain inaccuracies on my credit report, but TransUnion has consistently failed to provide the necessary information despite my valid proof. This continuous failure to comply with the FCRA 's rules of procedure has compelled me to bring this matter to your attention, and I kindly request your immediate action to resolve this issue. 
As a consumer, I have the right under the FCRA to request and receive certain information from consumer reporting agencies, such as TransUnion. This includes the right to obtain copies of my credit reports and the ability to investigate and dispute any inaccurate or incomplete information contained within them. The FCRA further stipulates that consumer reporting agencies must respond to these requests within a reasonable timeframe and provide a method of procedure for resolving adverse actions. 
Please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number:XXXX  Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 
there is some inaccurate information reporting. 
Address is not mine XXXX XXXX XXXX XXXX az XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters out on XX/XX/2021 to verify the debts listed below and attached, I have yet to receive any documentation verifying that these debts belong to me. It has now been over 30days and following FCRA guidelines these need to be deleted immediately. 
XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.