23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS CAPITAL ONE NA XXXXXXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form XXXX from CAPITAL ONE NA  WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit card or prepaid card

My issue first started with trying to contact the company because my card kept getting declined despite saying it was activated. Called CS 4 times to resolve issue and kept getting hung up. 5th call was to close acct and got hung up again. This is not the first time I've had issues with poor customer service with this company. I've had a previous complaint last year.
Product: Debt collection

I originally submitted a claim Case number : XXXX requesting that the credit reporting agency XXXX remove an item on my credit report that the original creditor XXXX ( XXXX ) had resolved as not being my account nor responsibility. In the response XXXX stated that the collection agency LJ Ross Associates states that the debt is valid, whcih is contrary to the information from the creditor in letter dated XXXX XXXX, 2014 which is attached. As the creditor states this is not my responsibility the collection agency can not continue to keep this item on my credit report thereby negatively impacting my credit score.
Product: Credit card or prepaid card

To Whom it may concern, Hope this day finds you well. 
I am a victim of Hurricaine Florence. I called to inform the Credit Card Chase Slate company to set up arrangements for payment.. First I want to explain I was misunderstood about the APR. % I understood I could try to get a lower percentage after 6 months. No one could do this. Not one time  have I been late in 2 years of having this Chase Slate Credit card. I have recently dealt with numerous hardships. Homeless XX/XX/2018 per a Landlord who claims he owes Federal and State taxes to IRS even though he verbally told me on phone for additional 1 year lease for my daughter to stay in the school she was attending.. A divorce on XX/XX/2018 and to follow Divorce hearing tommorrow XX/XX/2018, and Hurricaine Florence XX/XX/2018 that left my " paid '' car totalled out from water and electrical damage from flooding. The way I have been treated from this company has been very devastating I was basically the phone begging for help by 5 different " associates '' for approximately 5.5 hours only to be denied an  arrange for hardship only to be confused with paying them prior to my due date.. You see I am a XXXX XXXX and I can not miss work or sign a contract until after my divorce hearing tommorrow XX/XX/2018. So that means NO Income at this time. They had a XXXX payment coming out of my account for XX/XX/XXXX then XX/XX/2018 and XXXX XXXX dollar payments coming out of my account for XX/XX/2018 until I found that they did have hardship for hurricane. All I wanted to do was close my account and set up monthly payments near 200. Now it is XXXX a month. I can not pay this amount and I am trying not to let it affect my credit score. They keep denying me. I will send this letter to you in good faith if someone can please investigate. I am continually hearing that they can't do anything for me. I have to work. I do NOT have time for this anymore. It has caused intense stress and they belittled me many times over. They then referred me to a Credit counseling agency XXXX XXXX that required a higher percentage rate and informed me well that I can't buy a house with this credit until paid. Really? I lost my car, my home and divorce All in one month ... .. XXXX XXXX wants to Tell me that for about an hour on the phone too. I do not wish this for anyone else. 

Again Thank you for your time and have a good day. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report information regarding my federal student loans is incorrect. My federal student loan debt is misrepresented on my credit report with XXXX, XXXX and Equifax. Initially I had 4 student loans prior to consolidation, in the amounts of XXXX, XXXX, XXXX and XXXX that were being serviced by Dept of EDXXXX XXXX My current loan servicer is XXXX with a balance of XXXX, XXXX after consolidation and transfer from XXXX thus XXXX  out these amounts with XXXX. 
My Equifax report currently shows my correct balance of XXXX with XXXX in addition to an extra XXXX and the XXXX under XXXX that was consolidated and transferred to XXXX. This makes my student debt total with Equifax XXXX when it should only be XXXX XXXX and the XXXX balance should be XXXX. 
My XXXX report shows the correct XXXX amount of XXXX and an XXXX balance of XXXX for a student debt total of XXXX when the XXXX balance is XXXX and the XXXX balance should be XXXX. 
My XXXX report currently shows XXXX with a balance of XXXX and XXXX balances of XXXX, XXXX, XXXX for a total student debt of XXXX, XXXX. The correct information is XXXX XXXX, XXXX and XXXX balances are XXXX. 

My attempts to correct these discrepancies began in XX/XX/2022 with Dispute Report # XXXX. XXXX reports investigating and resolving the matter and sent me their results on XX/XX/2022 with the only change made was the date of balance update to the same incorrect balances. I filed another dispute ( Report # XXXX ) explaining the issue on the website and by phone on XX/XX/2022 describing the discrepancies that the representative reported that she entered into the system a statement describing the problem and reason for the dispute after the supposed resolution of the first. The results of this dispute were received on XX/XX/2022 with no change and a combined balance of {$71000.00} in student debt on my credit report and the correct amount should be {$35000.00}. This significantly increases my debt to income ratio. Another dispute was filed by phone and on the website following the procedure required by XXXX, Report # XXXX, on XXXX XXXX, 2022 for the same issue after calling both XXXX and DEPT OF ED XXXX to confirm the current balances and what would be reported to the credit agency should they call. Both XXXX and XXXX reported the same information that I have relayed here. XXXX reports that my loans have been transferred from them to XXXX and are closed.
Product: Debt collection

Today XXXX/XXXX/XXXX I received in the mail a notice that I owed on a debt ( pass due account ) that I have never been involved in or been the primary beneficiary of loan. 
I have never received any correspondence and /or notification in reference to this debt ever! 
Approximately 4 to 5 years ago my oldest son XXXX XXXX got a loan for a PU from a dealership and I was requested by dealership to be a reference to his loan. I specifically told them that I would not co-sign a loan as I was going through a divorce and was working on my own financial needs ... The paperwork was filled out at the dealership by the car salesmen ( not at the bank and not before a bank loan officer ) and I was told to sign just for a reference. 
Several months later my son lost his job and was unable to make his loan payment ... He made some type of arrangement with the dealership/bank to turn the PU back in to settle the loan ... ( That 's what he told me what happened and until today I have not heard/ received any correspondence/notification of any type from the bank/dealership or anyone else involved with this transaction. 
Now I 'm told by Credit Management of XXXX XXXX when I called them today. That I 'm the primary person on the loan and that I initially owed them {$4200.00} and with additional interest of {$4300.00} and need to pay immediately a total of {$8600.00} Or they will have judgment against me. 
Credit Management said they did n't know anything about any notifications from bank ( original creditor ) as the just bought this past due account in XXXX. 
I did n't even know there was a problem with XXXX XXXX XXXX and XXXX until I received the notification today. 
I feel XXXX XXXXl and Credit Management are after me due to I have a stable financial situation and I have more assets then my son. Where my son is still in the process of working on his credit score and financial health.
Product: Debt collection

This debt collection agency is abusive and verbally aggressive. They will not cease their endless tactics if trying to collect a debt which they have not validated. This company AFNI, appears on my XXXX report and they refuse to remove it, validate it or cease calling.
Product: Credit reporting

I requested for Transunion to remove/ validate a " paid tax lien '' reported by the XXXX Register of Deeds from my credit file. I sent a request to the register of deeds to remove, they in turned sent me a letter stating they have nothing to do with reporting to the credit bureau 's. I sent a copy of this letter to Transunion and year to date, Transunion has yet to remove/validate this discrepancy from/on my credit file. As per the Fair Credit Reporting Act section 623 ( a ) ( 3 ). There were 2 tax liens reported, Transunion has removed one of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX - XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/2018 ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX THE XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

I have repeatedly called and emailed the XXXX XXXX XXXX   that is listed as the original company claiming I owe {$59.00} which I was never alerted to ( nor have I ever been to XXXX XXXX ). I have paid the {$59.00} charge on several separate occasions directly to XXXX XXXX as it continues to show up on my credit report as delinquent by a Company called Independent Recovery Services,  located in XXXX XXXX XXXX, XXXX, NY XXXX. XXXX. After receiving each duplicate payment, the XXXX company continues to assure me that they will have this collection company correct the error on my credit report, and remove all history of it. However since it first was reported on my report in XX/XX/2014, it continues to update monthly as delinquent and wreck havoc on my credit score. This is extortion either by the company or the hospital to continue to make me pay the same bill over and over again just to have it removed from my credit report. What 's more, is it is costing me extremely higher interest rates and encroaching on my ability to get a mortgage, a cost in the thousands. This is illegal, harassing, extortion and fraud and I would appreciate if you could help put an end to this illegal and dishonest business practices, which are clearly being used to force the customers into paying for the same bill over and over again trying to clear their credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, these old addresses are hurting my credit report. I am also concerned that someone else may be applying for credit under my name and using these old addresses. I have provided to EQUIFAX copies of my current address during the months of XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018.
Product: Debt or credit management

XXXX acccount thats on my credit report i didnt open that account i was in XXXX  at the time it was opne so it couldnt of been me ive tryed and tryed to get it off my credit but there dont care i cant get a car or a house because of this
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership and I told them only run my credit with one bank and they ran it with so many different banks. I want these removed this was not approved by me and I told them multiple times dont run my credit with multiple banks. Here are all the unapproved companies they ran my credit with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I received an email from Fed loan approximately 4 weeks ago my XXXX loan was transferred to Oklahoma XXXX Heartland ECSI. For the last for 4 weeks, I tried to work with XXXX XXXX department, I had set up a payment plan with XXXX XXXX to make {$70.00} a month for all my loan based on my check stubs and size of my family and my XXXX son who is XXXX. But XXXX XXXX transfer my account to ECSI. I never received any thing from XXXX or ECSI. They notified me by my credit they put a large amount on my credit. I contacted they, filled out an economic hardship deferment, sent them documents of my paycheck stub, which is only {$2000.00} a month, and sent them documents of my XXXX son and he takes half of my income. I set up a payment plan with them, but they denied my application and payment plan {$50.00} a month, and they say even though I make {$50.00} a month they will continue to put it on my credit with interest till it is paid off.
Product: Checking or savings account

My account was closed without any forewarning. The funds in the account are now inaccessible and this has caused me financial issues as Im unable to pay my bills without this money. Ive contacted customer service but automated message redirects your call and advises account is closed so only contact can be submitted via email. Their email response is asking for transaction details and states that account was closed due to international funds transfers. This is not true. I have made the same purchases and charges on this account for years. I also had the transactions and international transactions options shut off on my card for security purposes. I only authorized transactions when I knew I would be making a purchase and the rest of the time I kept this option on the app disabled do no one could use the card without my knowledge. Now it appears that there are hundreds of people whos accounts have been closed for no reason and chime just advises that IF there are any funds left in the account, they will be refunded via a check within 30 days and mailed to me. Ive tried calling chime, XXXX XXXX XXXX XXXX, XXXX, the XXXX, my local congressman, the states attorneys office, office of the comptroller of currency, and multiple multiple phone and email dead ends. To sum it up, they closed a ton of accounts, are not returning the funds in a timely manner, they are quoting a bogus terms of service violation and refuse to provide and documentation or proof of this violation. Now my bills are late, fees are piling up, and Chime has over {$1400.00} of my money inaccessible to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 dispute letters over the course of 5 months to Experian disputing items on my credit report that is inaccurate. I asked them to verify the accounts with original documents that I SIGNED and to send me a copy of that ORIGINAL DOCUMENTS WITH MY SIGNATURE ON IT, but they have failed to do so. The unverified items listed below still remain on my credit report in violation of Federal Law. 



ACCOUNTS XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



1. XXXX XXXX - XXXX 2. XXXX XXXX - XXXX 3. XXXX XXXX XXXX XXXX - XXXX 4. XXXX XXXX - XXXX 5. XXXX - XXXX 6. XXXX XXXX - XXXX 7. XXXX XXXX XXXX - XXXX 8. XXXX - XXXX 1. XXXX XXXX XXXX  - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and I'm completely puzzled as to why they're there. When I did my usual check, these discrepancies appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the unauthorized inquiries remained. I urgently request a thorough review of the documents Ive sent so that I can put this worry behind me for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is disputing inaccurate late payments on my reports that I have been disputing for quite a while now. I have sent multiple disputes to each credit bureau regarding this account because they are reporting very inconsistently. There are different account numbers reporting, XXXX and XXXX. There also different last active and payment dates reporting for this account between each bureau as well as inconsistent late payments for this account. If each bureau receives their information from the same place, how are they all reporting very different information? It is the responsibility of the consumer reporting agencies to verify and report accurate information which they have clearly failed to do and are in violation of the law. I am requesting that these inaccurate late payments reporting for XXXX, XXXX and XX/XX/2021 be deleted from my reports now! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

CFPB -This complaint is being sent to you as TransUnion has blocked me from filing a complaint in their system. Please read below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 ( 7 ). You may reference my TransUnion File Number : XXXX and my Social Security Number : XXXX. 

Under section 15 USC 1681 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. 

XXXX XXXX XXXX : Account # XXXX : Provide the detailed description of the description and the findings of the investigation used to verify this account. If you are unable to provide what I have requested by law, delete this account from my credit profile immediately. 
















XXXX XXXX XXXX XXXX XXXX Dispute : According XXXX XXXX XXXX XXXX XXXX, Transunion is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account XXXX XXXX : Account # XXXX violates these laws : 15 USC 1681i , 15 USC 1681s-2 and 15 USC 1681e ( b ). Delete this account.
Product: Mortgage

I currently have a mortgage with Fifth Third Bank, XXXX. XXXX XXXX, XXXX, OH XXXX. Over the past three-years or so, I have been making monthly, electronic payments toward my principal and have specifically wrote in the memo section that the payment be applied to my principal. Further, I made an electronic payment to be applied towards my escrow and specifically stated this in the memo and Fifth Third Bank continues to misapply my payments. When I called Fifth Third Bank about this matter, I was told XXXX XXXX is the person who would be contacting me by phone but she never did. I had to log onto their website to get her response. I have been trying to speak with her because I want an accounting of my account over the past three-years but am not able to get her to return my calls. I received a letter pertaining to this matter and the letter stated if I had any questions to call the number in the letter. I called several times and left several messages but no one has returned my calls.
Product: Credit card

Follow-Up on CFPB Case # XXXX U.S. Bank XXXX XXXX  XXXX Bonus Denial Dear CFPB Representative, I am following up on my complaint regarding U.S. Banks refusal to honor the XXXX bonus miles for my XXXXXXXX XXXX XXXX XXXX ( account ending in XXXX ). Their response is inconsistent with their own stated policy, and I respectfully request a further review. 

Summary of Issue I applied for and was approved for the U.S. Bank XXXX XXXXXXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX, which included a XXXX bonus mile offer after meeting a {$5000.00} spending requirement within 90 days. 

I activated and started using the card on XX/XX/XXXX, and met the required spending within three months. I expected the XXXX bonus miles to be credited, but they were never posted to my account. 

On XX/XX/XXXX, I contacted U.S. Bank customer service to inquire about the missing bonus. A representative informed me that I was ineligible due to a new policy restricting previous cardholders from earning another bonus. 

However, this denial does not align with U.S. Banks own policy, and I would like to challenge their response based on the following : Why U.S. Banks Denial Is Unfair 1 U.S. Banks Policy Restricts Bonuses for 5 Years AFTER Receiving a Bonus U.S. Bank claims that a customer is ineligible for a second bonus if they have received a prior bonus within five years. 
However, when I opened card XXXX on XX/XX/XXXX, I had NOT yet received the XXXX bonus on my first card ( XXXX ). 
The bonus for my first card ( XXXX ) was credited AFTER I had already opened card XXXX, meaning I was fully eligible for the new bonus at the time of applying for XXXX. 

2 The Policy Change on XX/XX/XXXX, Was Not Clearly Disclosed U.S. Bank stated that their bonus eligibility policy changed on XX/XX/XXXX, but I was never informed of this restriction at the time of my second application in XX/XX/XXXX. 
If this restriction applied to me, U.S. Bank should have disclosed it clearly during my application process.

Since they failed to provide this information, their retroactive application of this rule is misleading and unfair.

3 I Met the Spending Requirement in Good Faith I completed the {$5000.00} spending within the promotional timeframe, expecting to receive the bonus as advertised.

U.S. Banks denial of the bonus contradicts their own stated terms and penalizes me unfairly for an undisclosed rule change. 

Thank you for your assistance in ensuring fair consumer treatment. 

Best regards,