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

I have filed several disputes with XXXX XXXX XXXX XXXX XXXX their fraudulent reporting. We had mutually agreed to a payment plan due to my temporary job loss, and I was explicitly told that this arrangement would not impact my XXXX XXXX. However, I recently discovered that I have been reported as XXXX days late, contrary to the assurances I was given. 

I have submitted documentation through Experian multiple times, including through the Consumer Financial Protection Bureau ( CFPB ), yet Experian has failed to properly investigate the issue. Moreover, I have been barred from submitting further disputes with this company by Experian This inaccurate reporting has severely damaged my credit and has negatively impacted my ability to function in daily life. Despite paying on timeand even exceeding the agreed-upon amountsI continue to face penalties and repercussions. Even with proper documentation provided, the companies involved have ignored the facts, and Experians inadequate investigation has made my situation worse. As a XXXX recent graduate, this has made my life exponentially harder, and it feels unjust. 

I would like to formally report the lack of care, poor investigation practices, and the detrimental effects this has had on my credit. This issue is not only the fault of the creditor but also of Experian. I am a single individual, and it feels as though these large corporations have the power to disregard the rights of consumers like myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX XXXX ; I honestly do not believe to ever had any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit card or prepaid card

I was XXXX from XX/XX/XXXX thru XX/XX/2018. While XXXX am individual accessed my banking information and atm card with the pin number. He began using my account a if it were his own by claiming MY UNEMPLOYMENT benefits and using my account for the direct deposit. He overdraw my account and spent {$2000.00}. I have gotten nothing back. The banking institution refuses to reimnurseme even though i provided proof of everything they asked for.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 a fraudulent inquiry by XXXX XXXX was made on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact XXXX, XXXX, and Experian about hard inquiries on my report. I got the most push back from XXXX and Experian but all 3 told me that they do not dispute the hard inquiries since they are factual data. I proceeded to tell them that I am requestion that they look into these hard inquiries or remove them if they will not. they kept telling me that will not, and they do not look into them. I proceeded to ask for a supervisor and got the same thing. I was told that I needed a police report or to file a complaint with you guys if I didn't like this. I then asked for the legal department because they have to legally look into them because I am requesting a dispute and for them to verify the accounts. They told me I am not allowed to speak to them and if I wanted to, I have to send a letter. They never started a dispute or noted that they would be looked into. I know this because I called back a day later to check if they were being disputed and was told they were not and there is no record of the dispute. This was done the week of XXXX. I told them I would be following up with the CFPB and they told me go ahead, they do not have to look into factual data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that you remove certain utilization information listed on my consumer report due to not receiving all three disclosures about consent to furnish under 15 USC 1681a ( 2 ) exclusions, and the 15 USC 6802 obligation, regarding the privacy of personal information.

As I fall under these exclusions and obligations, I did not receive all three disclosures prior to providing my consent to furnish information, therefore, the following utilization information on my consumer report may be inaccurate or misrepresentative of my creditworthiness XXXX XXXX XXXX {$2500.00} out of {$2600.00} XXXX {$6800.00} out of {$7000.00} XXXX XXXX {$1900.00} out of {$2000.00} XXXX XXXXXXXX {$5400.00} out of {$6000.00} XXXX XXXX XXXX {$9400.00} out of {$10000.00XXXX XXXX XXXX {$1700.00} out of {$2000.00} XXXX XXXX XXXX {$2600.00} out of {$3000.00XXXX XXXX XXXX XXXXXXXX {$5800.00} out XXXX {$7000.00} XXXX XXXX XXXX  {$770.00} out of {$1000.00} XXXX XXXX XXXX XXXX {$1700.00} out of {$3000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} out of {$6500.00} XXXX XXXX {$460.00} out of {$1000.00} XXXX {$730.00} out of {$2000.00} XXXX XXXX XXXX {$670.00} out of {$1900.00} XXXX XXXX XXXX XXXX {$580.00} out of {$2300.00} XXXX XXXX XXXX XXXX  {$59.00} out of {$850.00} XXXX XXXX XXXX  {$17.00} out of {$1100.00} XXXX XXXX XXXX XXXX XXXX out of {$2000.00} XXXX XXXX XXXX {$0.00} out of {$1900.00}
Product: Credit card

After several attempts at removing this fraudulent account off my credit report, I have oddly been met with resistance from this company KIKOFF LENDING LLC, I have submitted for their review, my identity theft affidavit, complete with my license which has my proof of address and yet nothing happens, Upon my own research, the fraudsters used a different address and my identifying information, to open this account. I have made numerous requests to have this fraudulent account removed, and strangely my request was not honored. I am a victim of identity theft, and I have met the burden of proof, in the company response XXXX left out the date this account was open and was left undetermined. I am demanding this fraudulent account be removed. If my request is not honored I will retain counsel and sue for damages and financial harm as well as violations of my consumer rights as a victim of Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 unc 1681 section 604 a section 2.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing 7 closed accounts with Experian with no results of resolutions. Specifically with providing me with proof that I have asked for under my rights per FCRA section 60 ( A ) ( 1 ). Pertaining to late payments and continuing to report late payments after the accounts are closed. 

1st letter of my dispute was sent certified mail requesting the the 7 closed to be validated per FCRA section 609 ( A ) ( 1 ). Please see attached certified mail dated XX/XX/2020 with USPS Tracking # XXXX. 

Experian came back with verifying my disputed accts as " accurate and validated '' thru data furnisher and updating the accts. But the reported info are the same with no changes. However they have completely ignored all my requests with providing documentations that validates the inaccuracies of their reportings.
Product: Debt collection

In XX/XX/XXXX I received a collection notice from Trans World Systems Inc on behalf of XXXX XXXX XXXX, XXXX XXXX, TX in the amount of {$1200.00}. I have never lived in this city and reside in XXXX, WA the last 15 years. I contacted XXXX XXXX XXXX on XX/XX/XXXX and they verified there was no account under my name and that it was a phony collection. On XX/XX/XXXX my credit score suddenly dropped XXXX points from XXXX to XXXX. I checked my credit report and found that this phony charge of {$1200.00} was now listed as a collection by two collection companies. 

XXXX XXXX XXXX and Transworld Systems Inc. I will now have to retain an Attorney to resolve this issue.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding the inaccurate and misleading reporting of a XXXX account XXXX on my credit report. Both TransUnion and XXXX have failed to address the specific violations under the Fair Credit Reporting Act ( FCRA ) despite my efforts to resolve this issue directly with them. The account in question is closed, yet it is inaccurately reporting as having a current late payment. This constitutes illegal re-aging of the account and is a direct violation of the FCRA, specifically : FCRA Section 623 ( a ) ( 5 ) : Furnishers of credit information must ensure accurate reporting of account statuses. Reporting a current late payment on a closed account violates this requirement. FCRA Section 605 ( a ) : Credit bureaus are prohibited from reporting information in a way that is misleading or incomplete. FCRA Section 611 ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to conduct reasonable investigations into disputed accounts. Despite my formal disputes, TransUnion and XXXX have maintained that the information is accurate without properly addressing the illegality of reporting late payments on a closed account. 
This failure to perform a reasonable investigation has caused harm to my creditworthiness and financial standing. I request that the CFPB investigate the following issues : TransUnion and XXXX 's failure to conduct reasonable investigations into my disputes under FCRA Section 611. XXXX  illegal re-aging of the account and continued furnishing of inaccurate information. 
The continued reporting of this inaccurate information has negatively impacted my credit score and financial opportunities.

I am seeking the immediate removal of this account from my credit reports and enforcement actions against the responsible parties. Thank you for your attention to this matter. I look forward to receiving a response confirming that this issue is being investigated and resolved.
Product: Bank account or service

I was recently married and added onto my husbands account at Navy Federal Credit Union. We do n't live anywhere near a branch but it was important to my husband that we use this account as our primary account as this Credit Union is for military families. I attempted to make a deposit of a check thru the mobile deposit feature on the mobile app but received the following message " You need to be a member for at least 30 days in order to use Mobile Deposit. We are currently experience issues with Mobile Deposit enrollment. For assistance, please call Navy Federal at XXXX. '' I called and the representative informed me that I needed to open my own membership account in order to have access to this service. I informed him that I did n't need to make deposits into another account, just this one. I requested a supervisor and spoke to XXXX a Contact Center Supervisor. I again was unsuccessful at gaining access to make deposits into my account. I explained I already check for local ATMs to deposit in, they do n't participate in shared branching, etc. They informed me that I either needed to have my husband make the mobile deposit or I needed to mail the check in. I have no credit issues, long time on my job, etc. The only issue is that Navy Federal is forcing joint owners to open membership savings with them if they have no other options to conveniently make deposits. I have my husband at home and can have him make the deposit for me. This institution is for military families and not all joint owners are going to have that same access to their spouse as I currently do. To make struggling military spouses open a separate account to be able to make deposits into a different account when there is n't a nearby branch is n't right.
Product: Credit reporting or other personal consumer reports

I called XXXX and XXXX about inquiries on my credit report that I did not make. They informed me to call the companies and speak with them to see if an account was opened and to ask them to remove the inquiry. Speaking with the companies they informed me that nothing was purchased but the only way I could get these inquiries I DID NOT MAKE removed was if this report was made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Global Lending Service 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
Product: Credit reporting or other personal consumer reports

This CFBP complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ). that you, the XXXX credit reporting agency, block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a few personal credit accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that the previous mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of ftc identity theft criminal complaint as proof from the US FEDERAL TRADE COMMISSION that all previous consumer credit accounts are a result from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that Transunion doesnt have any fear of neglecting this kind of complaint. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please comply with the law and DELETE the account right away. 

XXXX XXXX
Product: Student loan

I have two federal loans with XXXX college for graduating as a XXXX XXXX..  which I am very Proud and Thankful.. But the loans together equals XXXX...I paid at least 5 times...($XXXX).... After checking my credit report a little often...it shows up NO payment...Or Late payment...NOW I CANT SEEM TO MAKE ANT PAYMENTS BECAUSE IM ABOUT TO GET EVICTED FROM MY HOME OF 5 YEARS WITH A XXXXYR OLD SON...I AM TRULY LOSING EVERYTHING... PLEASE HELP US
Product: Credit reporting or other personal consumer reports

I did not provide any authorization or written consent for my personal information to be accessed by this agency. They did not have a permissible purpose under law to pull my information. Because this agency fraudulently used my personal information ( without my consent ) to connect a public record to my consumer agency I was not able to obtain housing because I was denied. The address connected to the public record is not even reporting on my credit report either so it further shows that they used a a non public identifier such as SSN to connect this account to me and report on my consumer report ( which again they do not have a permissible purpose ). When I first noticed this on XX/XX/year> I disputed this information and the company refuses to delete this account as they are in fault. I am not sure when they first pulled this information from the public records, however I pulled this report on XX/XX/year>. I filed an identity theft on the company with the FTC as they pulled a public record without my consent and to receive that information they would have had to use sensitive data to verify the case # was mine.
Product: Credit reporting or other personal consumer reports

Exeter finance Charge off account The amount is XXXX The company have reported it as a open account and I never had a account with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate credit reporting several times. 

I disputed both via phone and dispute center portal : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Etc. 

I have information the credit reporting agency that a CLOSED account is being reported as OPEN & LATE and as a result re-damaging my credit. The account was reported as XXXX. I feel like the change in reporting status is due to me asking the debt collection department to verify the debt. Since they couldnt they began reporting it inaccurately to retaliate against me. If it was reported as Charged Off in XXXX how could is possibly now be considered XXXX in XXXX. Since the debt couldnt be validate it should have been deleted completely. I requested the original paperwork with my signature and had not received it. Etc. Help!
Product: Credit card or prepaid card

Husband is an authorized user on my Chase credit card. He went to the carwash, left his card there accidentally, and seems as it was picked up by someone unscrupulous, who then went on a shopping spree on XX/XX/XXXX of {$1100.00} at various places ( none of which he or I have ever stepped foot into, and are not in the town than we live in ). I reported this to Chase on XX/XX/XXXX as soon as I noticed these strange transactions ( some I wouldn't have normally noticed, like XXXX XXXX or XXXX XXXX, because we do shop there, but they were clustered with charges with places I'd never heard of, like " XXXX XXXX XXXX '' ). Chase has investigated the claim and determined that I " benefited from this transaction '' but has not provided any information on how they have reached this conclusion. I pay all of my bills on time, every month, and honestly spend a lot more than {$1000.00} on my Chase cards ( oldest of which is XXXX XXXX XXXX ) every month with no issue. I am not sure how I would go about proving that it wasn't us ( I doubt any of these stores still have video footage over a month later, and I didn't expect Chase to deny the claim ), but at the very least I would expect that this is a violation of the Fair Credit Billing Act.
Product: Credit reporting or other personal consumer reports

I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNT REPORTING
Product: Credit reporting

I have an account on my credit that were supposed to be deleted. XXXX was to be deleted on XX/XX/2015.
Product: Credit card or prepaid card

My Union Plus credit Card ( now under XXXX XXXX umbrella ) representatives have told me twice that I can not pay down my high interest ( Cash Adv 14.99 % ) until I pay down my low interest first ( 11.9 % ). They stated this with no unclear terms stating that this was the allocation method of my credit card. I recorded the second call in full to prove that they are misleading me and therefore other consumers. I have been paying other credit cards with lower interest rates first because of their misleading feedback. In this recorded call, the supervisor claims that this must be an " educational error '' and will address the managers. However, for 2 representatives to claim definitively that Iower rates must be paid first leads me to believe they are prompted by the company to mislead consumers so they continue to make maximum profits. The supervisor assured me that they were wrong and that any payment WILL AUTOMATICALLY be applied to my highest interest balances. I am going to make a payment above the minimum to verify that it does. If not, I will make a second complaint and escalate the problem as best I can.
Product: Credit card or prepaid card

On XX/XX/2019, I accepted Discover Card balance transfer offer to pay {$6000.00} toward my son 's College tuition. The offer was 0 % interest for 12 months with a 4 % transfer fee. After 12 months, the interest would be current rates 14-15 % ( currently 14.25 % ). 

Nothing in the Discover promotional materials stated that my prior ( higher interest ) balance would be paid only after the minimum balance was applied to the 0 % transfer balance. I have paid approximately {$880.00} in unexpected interest despite sending well more than the minimum payment for many months. I had approximately {$7000.00} balance before adding the {$6000.00} at " 0 % Interest ''. 

My other cards use a " first in first out '' payment strategy on transfers unless they clearly state otherwise per appropriate advertising law. In other words, transfers are truly 0 % interest ( after the percent transfer fee ) as long as the prior balance is being repaid and until the term of the transfer ( 12 months or more ) is exceeded. 

Nothing in the Discover promotional materials described why I would no longer receive cashback bonuses on the earlier balance but these also have ended.

I have been an excellent Discover customer over 10 years and have a FICO score of 811. Am  attaching statements showing my excellent and timely payment history. 

I am asking FTC and/or CFPB to sanction Discover for not making terms clear in the offer promotion ( it does no good to show these terms on the back of a statement after the transfer has been completed -- terms need to be made clear up front ). 

I believe this is deceptive advertisement and worthy of a class action suit.