23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I previously notified TD Bank that I am a victim of identity theft, and requested that they do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation from the bank of these actions. They did not send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I enclosed a copy of my FTC Identity Theft Report to them because the information they are reporting is the result of identity theft, and inaccurate, I request that they stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I asked that they take these steps as soon as possible.
Product: Credit card or prepaid card

I got Sallie Mae credit card for {$200.00} rewards after spending {$1000.00}, I paid it all off and they said I have to make another {$200.00} purchase in order to use the reward towards payments, after couple of months they said I owe {$400.00} so I told them I didn't authorize two {$100.00} purchase and disputed the charges and I said you can use the rewards to pay for the other {$200.00}, they refused and said I have to make a {$100.00} payment, since yhe account is delinquent! I never told them to email the statement as I always work with mailed statements so I never saw their email for the payment..I have a very good credit score as I'm alway on top of my payments and they ruined my credit by reporting to collection agancy!! I regret I ever did business with this company!!
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. CB/VICSCRT Account Number : XXXX This is not mine. 

4. Identity Theft COMENITYBANK/VICTORIA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion LLC for failing to properly investigate and remove an inaccurate account from my credit report, despite multiple disputes. On XX/XX/2024, I submitted my first dispute regarding the XXXXXXXX XXXX account ( XXXX ), followed by a second dispute on XX/XX/2024. Despite these efforts, the erroneous account remains on my credit file, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

The XXXX XXXX account ( XXXX ) is not mine, as I have previously informed TransUnion. Both XXXX and XXXX have already deleted this account from their records, yet TransUnion has failed to take similar action. 

TransUnion continues to rely solely on the creditors information without conducting an independent investigation, contrary to the precedent set in XXXX XXXX TransUnion Corp. This ruling makes clear that credit reporting agencies are obligated to perform a reasonable investigation rather than blindly accepting information furnished by a creditor. 

I respectfully requested that the FTC investigate this matter and ensure TransUnions compliance with FCRA requirements. I have attached copies of my dispute letters to both the FTC and Transunion as well as documentation proving the account was removed from both XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

There are 5 inquiries on my credit report that I did not authorizes and need to be removed. Here are the list of them : XXXX XXXX, Capital One Auto Finance, XXXX XXXX, XXXX XXXX , and XXXX XXXX .
Product: Consumer Loan

I became aware that Prestige was storing my credit card info in some part in their system and via a 3rd party system I requested on several occasions that the information be removed, that I had n't consented nor was I told that my credit card number will be stored To this request I received push back and was ultimately that Prestige only keeps the last XXXX digits of my card info I was told their 3rd party vendor XXXX XXXX houses the information. Again I asked that the information be removed and that was again met with resistance. I was told to contact XXXX XXXX which on XXXX/XXXX/2016 I did. I subsequently did a 3 way call with XXXX XXXX and XXXX from Prestige. 
During this recorded call XXXX said XXXX XXXX had the stored credit card details and the rep from XXXX XXXX said they did not keep those details. I have n't made any payments directly to XXXX XXXX my payments are made to Prestige and no where on their website nor in any other disclosure is there any information about how my information is stored. Prestige has refused to remove the information from their system or request that the information be removed by their 3rd party ( where applicable by law ) Prestige has continuously refused to aid in removing this information. They also have refused to remove the viewable information from their system. 
Prestige is engaging in deceptive practices and privacy violations as well as compliance violations as it relates to keeping credit card information on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been battling to dispute these accounts for about 5 years. It doesn't make any sense to even continue when the companies. XXXX XXXX are some of the means people in the world right beside XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. You can talk nice to them all day still don't mean anything.These are not my accounts and I want them deleted immediately and permanently:  XXXX XXXX XXXX, - Charge offs - Closed Account - Please Delete Permanently.XXXX XXXX, Charge offs - Closed Account – Please Delete Permanently. XXXX XXXX XXXX, Charge offs - Closed Account - Please Delete Permanently.XXXX XXXX XXXX XXXX, Charge offs - Closed Account - Please Delete Permanently.XXXX XXXX, Charge offs - Closed Account - Please Delete Permanently.XXXX XXXX XXXX, Charge offs - Closed Account – Please Delete Permanently.
Product: Credit reporting or other personal consumer reports

In accordance with 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 : XXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Checking or savings account

My account was frozen on XX/XX/2023. I have called the bank several times and emailed them and they will not tell me why. They said I have to wait for an email but that there is no timeframe on when to expect this email and until I do my account will remain frozen. Although my account is frozen, the bank still accepted my paycheck deposit and I cant access my funds. Today I had to pay my car payment and if it is not paid I will have my car repossessed. I also had a cancellation for today of my car insurance if that was not paid. They accepted my deposit but wont allow my auto pays to go through.
Product: Mortgage

XXXX XXXX has over {$5600.00} of my hard earned money on escrow account but is not making any payments and i have been receiving letters from the county for missed payments. 

I have called XXXX multiple times and they keep promising to fix the problem and nothing happens. Just called again tonight and they tell me they are raising it up higher, same thing they told me last week. They have copies of of all the tax bills i have received.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Is a Account that is being reportered as a Charge card for XXXX and Revolving for XXXX while not being reported at all for Transunion, and is ruining my credit, This account is also not accurate in being reported across all 3 credit bureas, This account is being shown as having 3 late payments on XXXX, XXXX, and XX/XX/2023 on XXXX while not having any late payments according to XXXX, Balance was last updated on XXXX XXXX for XXXX and XXXX XXXX for XXXX, Past due amount according to XXXX is {$15.00} while according to XXXX it is {$5.00}, This account is extremly innacurate, This account should be deleted from my credit or closed and all late payments should be removed to stop negativily affecting my credit report. 

XXXX XXXX for XXXX, XXXX XXXX XXXX for XXXX, XXXX for Transunion is the same account being reported extremly inaccurately, For both XXXX and XXXX the account number is being reported as " XXXX '' While for Transunion it is being reported as " XXXX '', For XXXX there is no balance displayed while for both XXXX and Transunion it is being reported as {$0.00} balance and 100 % being paid off, For XXXX the account type is displayed as " Secured Loan '' while for both XXXX and Transunion it is being displayed as an Installment account. There is no balance update date for XXXX while for XXXX it is being reported as last updated on XX/XX/2023, And as for Transunion balance updated last XX/XX/2023, For XXXX there is a late payment on XXXX, XXXX, and a XXXX  on XXXX of 2023, For XXXX there is 2 late payments being reportedon XXXX, and XXXX of XXXX, for Transunion there is 2 late payments being reported on XXXX of XXXX and XXXX of XXXX, This account is extremly innacurate, The Contact info displayed on the XXXX report is different than both XXXX and Transunion This account should be deleted from my credit or closed and all late payments should be removed to stop negativily affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously contacted Equifax about 2 closed medical accounts from XXXX XXXX. I received a letter saying the account was accurate and verified. This account is still reporting from the XXXX XXXX the original debtor, but it was placed in collections under XXXX XXXX XXXX so why are Equifax still reporting this inaccurate infomation? I've attached a copy of another bureau 's file that shows these accounts that were placed in collections, were investigated and removed from my file. Equifax has failed to notify me of how they conducted their investigation, who they spoke to verifying the information, the time and date of the investigation, and what company they contacted to validate this debt. Under the FCRA, All reported information by the bureau has to be ACCURATE. I have a problem with this bureau and only this bureau, especially after constantly staying in the media for security breaches. How is their investigation into this matter accurate and the other bureaus resulted in removal of these negative items and a updated credit file. I would ask Equifax to respectfully remove these negative closed items, since I wasn't notified of any of the above actions that lead to a successful verification of this debt. Not validating info submitted to the bureau is unexceptable to the consumer 's rights to obtain a updated accurate credit file.I 'm trying to obtain good credit, and trust again into a once reputable credit bureau, but it seems the consumer has to fight a uphill battle for a rightful reasonable outcome.
Product: Checking or savings account

My Bank of America Debit card for Unemployment was stolen and all the money was taken out. I filed a fraud report and disputed the transaction, and after Bank of America did there investigation they found me not liable, and sent a letter stating that the funds we now permanent, well I still havent received those funds and my account is still negative XXXX
Product: Debt collection

Ive received almost ten of these harassing letters as well as phone calls last letter Ive received was XX/XX/2023
Product: Credit card or prepaid card

On XX/XX/2022, my credit card was used at a XXXX  XXXX XXXX ATM to withdraw the entire balance of my credit card. This was shortly after I had paid my balance off in full. I had never lost my card, meaning that the card information had been compromised during a previous transaction. After my balance was cleared at this ATM, there were several failed transactions all for {$200.00} each. These transactions never showed on my statement and I had no idea about them until I found out that my balance was gone and called the company to report the fraud. The credit card company, First Progress, failed to alert me to the fraudulent activity or notify me that my balance was gone.

After waiting for weeks to resolve this, they reached a decision that they would not resolve this fraud and that I was responsible for paying back not only the balance, but all of the late fees and interest as well. I went for 2 months believe that my balance was paid in full, so I didn't realize that I was missing any payments. It wasn't until I went to make a small purchase and my card declined that I realized that anything had happened. 
First Progress is refusing to do any investigation into this and will not budge. My credit is being destroyed. Everything I have worked on for the past 4 years I being destroyed. I can not afford to pay what they are asking me to pay, nor should I have to.

They allowed someone to get my card info and withdraw my entire balance and didn't even notify me one time.

Also, this is a secured card. The balance is my security deposit. It makes no sense why I would do this on my own.
Product: Credit reporting or other personal consumer reports

I mailed a letter to Experian, XXXX, and XXXX asking for an update on my personal information XX/XX/year>. They insisted that I did not know my personal information and refused to update and/or remove names that do not belong to me, social security numbers that are not mine, old non mailable addresses, and my employment information. 15 U.S.C 1681B ( A ) ( 2 ) entitles me to update my consumer report in accordance with my written instructions. Refusing to remove outdated, irrelevant, and non mailable addresses from consumer report violates my rights. This is causing direct damage to my character and mode of living. 15 U.S.C 1681A defines what a consumer report is and what it should be used for. The options listed are " ( 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. '' Please update my personal information as requested. I have attached a new letter written to be uploaded here because they did not respond to my request from XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I applied for a 3 month forbearance due to COVID-19 and was approved. During this time I received letters saying my account was past due. I called repeatedly and they told me to ignore  the letters, I was in forbearance. In XXXX I said I could resume payments and closed the forbearance both online and over the phone. I resumed payments in XXXX as scheduled. Loancare/XXXX  sold my loan to XXXX in XXXX with first payment due to XXXX  due in XXXX. When I called XXXX, they hadn't received any of the info on the forbearance or deferment from LoanCare/XXXX. I attempted to pay in XXXX, but was told not to because it would be considered a partial payment and they could not accept it. Same in XXXX. I had to defer additional payments in order to get the account current. 

In XXXX LoanCare/XXXX  reported my account as 60 days past due even though I had an approved forbearance, causing my credit score to go down 139 points. I spoke with a representative on  XX/XX/2020 and he said they have no record of anything regarding the forbearance or deferral and it should not have been reported as past due with an approved forbearance. I disputed the late payment report with XXXX. 

I am unable to do a refinance to a lower rate which would lower my mortgage by {$500.00} per month due to this inaccurate credit reporting.
Product: Money transfer, virtual currency, or money service

Coinbase closed my account and They are not responding to my emails. I have over XXXX dollars and I cant access my account. Last time I contaccted them, they did sent a few emails to verify the account however I can not open those emails.Also I asked for someone to call me or aomething but nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

I am writing to formally dispute and request the immediate removal of fraudulent accounts from my credit report. I have reported these unauthorized accounts through identitytheft.gov, and the associated banks, unable to provide records, have confirmed the validity of the identity theft report and committed to their immediate removal. XXXX XXXX XXXX
Product: Mortgage

My mortgage loan was acquired by Carrington Mortgage llc. Since my " fixed '' payment has changed regularly. They do not send any communication and their numbers do not add up increasing the monthly payments drastically and they claim its for a year then they increase the monthly higher the next year. It seems like they are laundering money that does n't belong to them. They refuse to give a break down of their corrupt collection of escrow funds.
Product: Credit reporting

i requested full information on the reporting and validation of the tax lien/judgment. I see a claim amount but I do not see the liability amount. The judgment identification is also incomplete. I have disputed this several times with Experian. They have not been in compliance for over 45 days in regards to FCRA guidelines. I filed a complaint with XXXX regarding this before.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don & # 39 ; t understand how they usually say that these accounts are mine I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

HARVARD COLLECTION SERV has been sending me collection notices in the amount of ( $ amount ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I was notified of a missed payment on my account due to a technical glitch in Discovery 's system. They stated the payment was returned, but the payment was only {$750.00} from an account with over $ XXXX. A week prior, a payment was made to XXXX XXXX from the same account with no issues. Within an hour of receiving notice of the payment issue, I called Discover and paid the account in full through an alternative source. 

Discover said they would delete the late payment due to their technical error and not charge any fees. 2 days after calling them, they sneakily added a {$30.00} fee for " XXXX XXXX '', despite being told there were no fees due to Discover 's system error. 

I only noticed this deception months later due to going through my XXXX transactions. Their system still classifies the payment as late on the XXXX transaction history.