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

To Whom It May Concern, I am writing to dispute several items on my TransUnion credit report that I believe to be inaccurate, fraudulent, or unverifiable. In compliance with the Fair Credit Reporting Act ( FCRA ), I request an investigation into these items, and if they can not be verified, I ask that they be removed immediately. 
Items in Dispute : XXXX. XXXX XXXX Services ( Account # XXXX ) - This account shows negative reporting. Please verify or delete if accuracy can not be ensured. 
XXXX. XXXX  XXXX ( Account # XXXX ) - Account details reflect negative activity. Verify or remove this entry if not fully accurate. 
XXXX. XXXX  XXXX XXXX ( Account # XXXX ) - Negative details reported on this account. I request verification or removal due to inconsistencies across credit bureaus. XXXX. XXXX Inquiries - There are several hard inquiries on my TransUnion report that I did not authorize. Please verify these inquiries, and remove any that can not be substantiated.
Product: Debt collection

It is an old debt from the year 2008 XXXX card I have no collections in credit report in the last years for a total of XXXX not due XXXX
Product: Credit reporting or other personal consumer reports

These items are unknown to me. Also, the information you provided on some items are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

This is a follow up complaint to my reference number XXXX that was not resolved. The company continues to dismiss and down play the confusion that they are creating. As in my prior concern, the image and offer do not align and as I've brought it up with American Express, the concern has not been resolved. The offer in the image does not match the card displayed and does not match the disclaimers at the bottom of the booking page. Furthermore there are XXXX ( XXXX ) different offers in image that are not compatible with each other and creates additional confusion to cardholders like myself that have both a Amex XXXX and Amex XXXX XXXX card. The company has incentivized and promoted the gamification of maximizing points, and this is a prime example of their inability to manage their own messaging to ensure accuracy of messaging. The company should be responsible for the harm this is causing me as it is stressful trying to understand if offers supersede disclaimers, what recourse do I have if this was oversight, and how company would rectify if I wasn't keeping screenshots to hold them accountable.
Product: Vehicle loan or lease

Kia is predatory in charging fees to clients. They shut off your online account if you have a returned payment and make you pay through one of their customer service representatives. To pay with the customer service agent, they charge you a fee. 

The only other option would be to mail a check, per their representatives, which costs money for postage and could delay payment being made.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian XXXX XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian & XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian & XXXX 's inaction violates violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XXXXXXXX Balance : {$390.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/2023 we were contacted by USA Student Debt Relief by XXXX XXXX who is a Representative for this company. Other names we had contact was XXXX XXXX. His direct line phone number is XXXX. He made a good sales pitch and we applied for their program. We then received on XX/XX/2023 from the U.S. Department of Education stating that there was fraudulent activity on our student loans. We sent him our information to apply for the loan and was approved. After we got the e-mail from the federal government we were concerned about fraud. We were told by XXXX XXXX that we needed to pay {$190.00} a month that would go directly to their company for 4 months then {$9.00} a month for the life of the loan after the first 4 payments. We became suspicious about this and called him to cancel the loan. The company didn't explain to us how this would work. We took all the precautions and necessary to stop payment to this company. I hope this will help people to not fall for this scam!
Product: Credit card or prepaid card

I made my monthly payment that was due on XX/XX/2021, payment made online on XX/XX/XXXX. The online ledger showed the payment transaction on my acct., I took a screenshot of it for my records. The payment was made in an online transfer from my USBANK checking acct., to the USBANK credit card, both on my account, from this same bank. The next day, XX/XX/XXXX I see a late fee applied to my account and payment showing made XX/XX/XXXX. I contacted US Bank customer service to have the fee reversed because it obviously was not truly a late payment, the customer service rep said my " request '' was declined by the bank. I believe it is fraudulent of US Bank to be applying these extravagant late fees on it's customers when they can clearly see the payment was made on time. I believe a review needs to be done of US BANK and their business practices. I believe they probably scam millions of dollars from customers using this tactic. It is unacceptable especially during these difficult financial times in America. I hope every customer begins to look at their statements and ledgers and expose this company for this practice and also pursue recovering these erroneous fees that US Bank is taking from their customers.
Product: Credit card or prepaid card

Booked hotel through American express on XX/XX/2021. American express charged {$370.00}. 

Problem : American express failed to pay vendor resulting in vendor directly billing us, again. 

contact American express leads to phone tree options and no solution. Representative recommend I dispute with hotel.
Product: Credit card or prepaid card

I was very pro-active while current on my account and called Capital one in XXXX during he pandamic. They defered my payment, but wasn't clear about calling everymonth again to do this. I didn't call the following month due to the health crisis and was charged late fees and they reported the missed payment to the credit reporting agency. I called them almost a month ago to ask why they would charge me late fees and be so unsupportive unlike other banks. They said a senior manager would call me, she finally called me today on XXXX, and said sorry we will not waive the late fee or contact the credit agencies. I kept explaning that i didn't miss my payment on purpose and thought it was deferred, so i should get the fee waived and fix my credit, she refused. They are very uncooperative and have charged many innocent victims late fees like this during covid times and take advantage of people loosing their jobs. This is a very serious incident that should be followed up more with capital one. I have included their fake website that shows a link for covid, but when you click on it, it opens a general customer service page, nothing related to covid, where customers can't respond quickly on a form to email a specific address to email. All other companies have a form to fill and send online, they make it very hard to do this and charge you fees very fast.
Product: Debt collection

I was reviewing my credit report and notice there were some items that do not belong to me. Here are the following accounts : PORTFOLIO RECOVERY # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # 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

To whom it may concern, I am writing to request an investigation of the following information on my credit report : The charge-off of an obligation with XXXX XXXX XXXX is not mine ; I am not responsible for this account, I am a victim of ID theft. People have used my information to open them and make fraudulent activities. 
To further support my claim, I have attached documentation including : the police report from the identity theft complaint, also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

This is my second dispute with the Credit Bureaus, Fraudsters opened a XXXX XXXX  account that I had yall close for me. Now I ask that the account be DELETED FROM My Credit Report AS I REQUESTED. 
I am a victim of Identity Theft. My information was Compromised during XXXX 's XXXX XXXX. 
Included I have added screenshots and also my Data Breach Claim Number. For the fraudulently accounts that where opened in my name. 

I have never opened Nor Used XXXX XXXX  and I am asking you to DELETE it. Also I am asking yo to immediately DELETE The address that is on my account that's used in this FRAUDULENT activity at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX.
Product: Debt collection

I dont have a debt with this company. They are in violation of my rights as per USC 1681 I have never given anyone permission to share any information on my behalf. I have never signed any type of agreement with this company and have never done business with this company. This company has harmed my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. Please take into consideration this complaint I am writing to inform you that your information is inaccurate. I do not recall having bankruptcies on the dates you are reporting and there are blank fields making your information incomplete as well. Additionally, this is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. 
I never went through bankruptcy. XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Checking or savings account

The company is XXXX XXXX. I began speaking with them at XXXX and did not receive confirmation of my account being closed until the 3rd representative from them at XXXX. The first two representatives hung up on me after placing me on and off hold more than a dozen times after I made my goal of closing my account clear. They also told me that I needed to pay a {$25.00} fee to close my XXXX account. 

The first representative deliberately misspelled my name over 5 times even though I kept spelling my name out for her and clearly enunciating every letter. She would repeat back to me but leave a different letter off each time like it was a weird joke. She then would place me on hold for five minutes for every single question I was asking her which was simply what happened to my account after I left my previous job. She would deliberately misunderstand me, misrepresent my question, and went above and beyond to misconstrue what was really just a simple question : were my funds still with this bank, yes or no? All told, I spent 40 minutes with this woman just to get to that yes answer before she finally hung up on me after I asked about how to close the account. 

The next representative I met with was more of the same in terms of difficulty. My address had changed and I needed to update the address so that it would be correct and the bank would know where to mail my check after I closed my account. This man deliberately misspelled the street name and the city name even though I spelled each out to him and had him repeat them back to me. When I went to confirm the address had been updated, I told him that he had misspelled both. After he was caught, he said he would update it to be correct later and I said no, update the address now. He relented and updated the address. When I said I want to close my account he then hung up on me. 

The final representative was the only one who would help me in closing my account. However she kept trying to dissuade me from closing my account by offering to wave a XXXX  XXXX fee which has been assessed on my account for the last two years. ( This is a separate complaint and question : is it legal to assess a {$3.00} fee for a cash account? If so, that seems terrible and should be made illegal. ) the final representative attempted to convince me to open an investment account for which she would wave a fee for me to do so. I told her no. She then placed me on hold. She then came back after a few minutes and attempted to get me to do a draw down instead of closing the account. I told her no, I want to close the account. That is all that I am interested in. She finally relented and said she would close my account. She told me that the bank was going to wave the {$25.00} fee for me to close the account as well. It wasnt until I got to this form that I even knew that they were not allowed to assess a {$25.00} closing fee. 



I have a downloaded file from the bank as well which lays out the {$25.00} charge. 

XXXX XXXX. Reiterating the name just so you dont have to scroll back to the top to remember what hellish institution this whole complaint was about. XXXX XXXX
Product: Mortgage

We were offered a Covid Forebearance period of 6 months. After the forbearance period was over, we contacted Freedom Mortgage for reinstatement options. We were told that we were approved both by phone and US mail in XXXX for a " VA Disaster Cap and Extend Mod '' We started our three month TPP ( temporary payment plan ) in XXXX that would end in XXXX and at that point our permanent modification would be put into place. This the new monthly amount under the TPP was {$1000.00}. We paid {$1200.00} per month in XXXX, XXXX, XXXX, XXXX and now in XXXX. Fully satisfying the TPP. The first week of XXXX, I called and sent a message through the secure system to check the status of my permanent loan modification documents. I was told they were 30 days behind. At the end of XXXX, I called again and inquired again through the messaging center and was told " 7-10 business days '' your documents will be out to you ( with the explicit instructions about signing in front of a notary XXXX XXXX, the second week of XXXX I called, was told the same thing " We are behind getting the documents out but all is in order ''. I called again on XX/XX/XXXX, I was told the same thing but this time that I would be getting a status update from " XXXX '' my " single point of contact '' no later than XX/XX/XXXX. XX/XX/XXXX came and went, nothing. On XX/XX/XXXX I sent another message through the message center online and the response I got back was " It looks like some of the documents you sent were cut off or illegible and they are unacceptable we can not proceed '' What documents? The ONLY documents sent to them were the ones from XXXX that they MAILED to me and we signed and send back via XXXX overnight in the original form they were sent to us. Nothing was faxed, copied or replicated. This is all starting to seem like a stall tactic so that they can unjustly drag this out either to their benefit or to the tune of foreclosing on homes considering the inflated values of homes at the moment. Freedom Mortgage not only promised me over and over again that my loan mod docs would be to me " any time now '' *actual promises and congratulatory joy-pull the phone calls* and now they are literally ignoring me and making up complete fabrications about documents being " Cut off and unacceptable '' We even made a point at the beginning of XXXX to call XXXX once our XXXX  was sent to them to confirm they were received, completed correctly and in our file. We were guaranteed that this was all set and that we had NOTHING more to do than to make the TPP payments and wait on our permanent loan mods docs in XXXX. It is now XXXX and we are no closer to our modification and moving forward.
Product: Credit reporting or other personal consumer reports

I do not recognize this company or have these companies permission to run my credit. Please remove immediately please and thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

In XXXX i lost my phone at XXXX XXXX at which time i notified the authorities. Next day upon checking my checking account i noticed money was transferred to some one in XXXX  to the tune of XXXX. I immediately asked my bank Navy Federal to stop the transactions to only be told that it was a transaction done from sum bank app service offered by Navy Federal but seperate from Navy Federal Bank and that the transaction had to go thru first then a fraud dispute could be placed to recieve my money back. It is now 8 months later an i have been repeatedly denied my XXXX that the police report states that Navy Federal made me go pick up to only deny me of my own money again. Now they say because transactions were done from the historical device i would have to sue to recieve my own XXXX back even thou Navy Federal allowed this theft to go on and did nothing to stop it. I am demanding that Navy Federal give me back my money that they allowed to be taken without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX # XXXX -XXXX  # XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX  # XXXX -XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a credit report on XXXX XXXX, XXXX, since XXXX, and witness hard inquiry errors. I sent a letter on XXXX XXXX, XXXX, looking for the hard inquiries to be removed, then another on XXXX XXXX, XXXX, to follow up and have not received a response. 

On XX/XX/XXXX, I visited the TransUnion website to online dispute the hard inquiries, an automated response gave me a number to call. I called and spoke with XXXX who transferred me to XXXX and the call was dropped. I called again and spoke with XXXX who transferred me to XXXX. XXXX explained disputes can not be done online and they have not received any letters for the dispute, took down the disputes, and said he would contact the inquiries which can take 6 months on top of the two months applying for disputes. 

I never applied for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Transunion is reporting inaccurate account information fraud information I have filed to the FTC for Identity Theft with report number XXXX