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

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Email : XXXX Phone : XXXX XXXX XXXX XXXX XXXXXXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I was reviewing my credit report and found several inaccuracies that need to be corrected. I have attached documentation providing proof of my current address, as indicated on your website.

To facilitate the removal process, here is a list of incorrect addresses that appear on my credit report and should be removed : XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX The only address that should remain on my report is : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX Additionally, I noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling, and there should be no variations listed. I have attached a copy of my photo ID to verify the correct spelling. The incorrect name variations currently listed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I request the removal of the following incorrect employer information : XXXX XXXX XXXX XXXX XXXX The only employer that should remain listed on my credit report is : XXXX, XXXX XXXX XXXX XXXX XXXX inaccuracies and incorrect information in my credit report are in violation of several federal laws, which are as follows : 15 U.S. Code 6801 : Protection of personal information 15 U.S. Code 6802 : Obligations regarding disclosure of personal information 15 U.S. Code 6803 : Disclosure of privacy policies 15 U.S. Code 1681e ( b ) : Accuracy of credit reports 15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports 18 U.S. Code 1028A : Aggravated identity theft I kindly request that these inaccuracies be corrected promptly to ensure compliance with federal laws and that my credit report remains accurate and up to date. Once the incorrect information has been removed, please send me a copy of my updated credit report for verification.

Thank you for your attention and assistance in this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

My lease with XXXX XXXX was to end XX/XX/XXXX. I paid th rent cleaned out the Rental, they didnt send anyone out to inspection the facility until XXXX XXXX. I repeatedly attempted to collect my deposit. I finally got a call saying that they felt like there was enough ware on the house to keep the deposit. The new management then added my name to the delinquent list in XXXX of XXXX. Almost three years laters and XXXX have an entire new staff
Product: Debt collection

XXXX XXXX called XXXX times and said he was going to come to my place of work or home to serve me court papers if I did n't call XXXX. I called the number got no answer the next day a block number called me saying he was XXXX XXXX from NCR. I called the number back a lady answered but only said hello no company name or anything, she seemed nervous. XXXX XXXX got on the phone and said he was trying to collect XXXX for XXXX XXXX. He asked why I stopped paying and I said I was on-the-go hospital. He said he would talk to his lawyers to stop any legal action if I paid the bill. I told him I did n't have the money I was behind on things told me to give him a credit card, debit card or prepaid card, no checks to pay the XXXX then set up payment of XXXX every 2 weeks. I asked him for documention and why I never received anything. I have him my email on Thursday XXXX XXXX, he told me his Secretary would send me something and as of XXXX XXXX on XXXX XXXX I still have not received anything. He is supposed to call back on Monday XXXX XXXX to get payment or serve me with court papers. I feel this is a scam and do n't know what to do
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I want your help to start the disputes on these fraudulent inquiries in my credit report.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by slience engerlhard v gravens ( mo ) 281 sw 715719, I presume that no proof or illegal debt nor therefore and such debt, in fact therefore exists.
Product: Mortgage

All of the following information can be found in my secure messages within the company online database. 

In XXXX I submitted a PVA ( local PVA ) document that provided information about my Total and Permanant XXXX status effecting my tax exemption, in reference to my escrow and taxes to be paid this year. 

Then in XXXX I received a message stating the amount paid had not been changed and an incorrect amount was sent. This would cause for an escrow surplus if the tax office accepted the amount. However, since it was not the correct amount, the tax office retuned the amount to be corrected. This has since ended the early discounted amount, originally offered due to the company 's error in updating their internal records. Now they say it will take up to XXXX weeks to fix the situation, whereas there has been no recovery of customer issues, only kicking the can further down the road.

I am left as a 100 % total and permanent XXXX veteran ( sole income in family of XXXX ) with about {$500.00} being owed to me as an escrow surplus that now is weeks or months away. They are not making moves to rectify the situation expeditiously but rather lackadaisically. 

This problem should have been taken care of in XXXX and never to become an issue. they should have offered to help issue the correct check to the tax office and the surplus to me. They instead are not acting accordingly with the same tempo they would expect in payment from me.
Product: Credit card

I have mailed multiple acceptable payments in accordance with the Federal Reserve Act Section 16 to Chase with proof of certified delivery to the address provided on the back of the Billing Statement. Chase is declining these payments which is in direct violation of UCC 3-306. I have asked to have the payment coupons sent back as proof that they are not being cashed, and nothing has been sent back. I have the certified mail proof that these payments were delivered and signed for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not sufficiently protect my records, and as a result they allowed a breach of their system that resulted in my private financial records entering the public domain
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I RECEIVED A LETTER FROM C APITAL ONE C C DATED  XX/XX/XXXX  ATTACHED TO THIS CASE. I DO NOT KNOW IF C APITAL ONE  NEEDS SOMEBODY ELSE TO REVIEW THIS CASE OR SOMEBODY WITH KNOWLEDGE IN REGARDS TO THE DISPUTE. I HAVE CALLED  CAPITAL ONE  CC AND EXPLAINED IN DETAILS.   I NEVER HAVE DISPUTED AGAINST CC #  XXXX , THAT CARDS IS 100 % CORRECT AND FINE. THEY FINALLY REPORTED THE CORRECT BALANCE ON {$0.00} OWNED.   NOW  CAPITAL ONE  CC #  XXXX  --  XXXX  IS THE CARD I AM DISPUTED. AGAIN FOR THE  5TH  TIME SINCE  XXXX  &amp; gt ; THIS CARDS IS A DUPLICATE FROM THE ABOVE CC #  XXXX . &amp; gt ; IT WAS A  XFER CARD FROM ONE CA RD # TO ANOTHER #!!!!!!!! I HAVE ATTRACTED AGAIN THE CC REPORT SO THEY CAN REVIEW THIS WITH THEIR OWN EYES!!!!!   OVERALL I ONLY HAV E 1 AND ONLY 1 CARD WITH CAPITAL ONE O PEN   XXXX   WITH A LIMITED OF {$8500.00} AND BALANCE OF {$0.00}.   SO PLEASE FOR TH E 5TH T IME TAKE CARE OF THIS OR I WILL BE CONTACTED MY CONGRESSMEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a previously disputed account with XXXX and XXXX. No method of verification was provided. According to 1319.12 O.R.C.- ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill , or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.
Product: Debt collection

Debt owed amount showing on Credit report is {$8500.00}. This is a fraudulent account, I was unaware of this account until it showed on my credit report a few weeks ago. I have reached out to Att for information regarding the account but the rep gave me little to no information on what to do next.
Product: Credit reporting or other personal consumer reports

please removed the following accounts and update Account Name : CAPITAL XXXX Balance : {$500.00} Account Number : XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : CAPITAL XXXX Balance : {$500.00} Account Number : XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX BANK Balance : {$360.00} Account Number XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : CREDIT XXXX BANK Balance : {$390.00} Account Number XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : CAPITAL XXXX Balance : {$340.00} Account Number : XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX BANK Balance : {$360.00} Account Number : XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX Balance : {$0.00} Account Number : XXXXXXX Date Opened : XXXX. XXXX, XXXX Account name : XXXX  Account XXXX : XXXX Account balance : {$0.00} Date of account open : XX/XX/XXXX Account name : XXXX Account number : XXXX Account balance : {$0.00} Date of account open : XXXX XXXX, XXXX Account name : XXXX Account number : XXXX Account balance : {$620.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX BANK Account number : XXXX Account XXXX : {$420.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX  Account number : XXXX Account balance : {$15000.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account balance : {$2400.00} Date of account open : XX/XX/XXXX Please delete the following inquiries : XXXX XX/XX/XXXX CAPITAL XXXX AUTO FIN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 wrote to Cfpb around 2 months ago, in reference to a debt that the credit bureau has in records, and is decreasing my score. The company is Sears, they have never tried to contact me, I wish they would have done it. I have notified the credit bureaus but seems that is not important what I say. 
Even I cant get in to 2 of them, seems to be blocked, since I was one of the affected in 2017, with all the data that disappeared from XXXX  Meanwhile my score is decreasing more every time and is really affecting me seriously, since I have a small business, that besides, is being affected by the pandemic, is also seriously affected by this issue. 

I CERTIFY that I do not have an account with Sears. 
I am entitled to see the source of the information, which is the original contract that contains my signature since it was opened. 
I called the company involved once and they told me that they did not find me, they didn't know what I was talking about. 

Can you please suggest me what to do?
Product: Mortgage

Got hurt at work and unable to maintain mortgage payment, we have children living in the home, was working 5 days a week got cut down to 3.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SKOCKED TO KNOW THAT I HAVE BEEN A VICTOME OF IDENITY THEFT. I FOUND NUMEROUS CLOSED COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT WAS NOT OPEN BY ME. THIS HAS BEEN HURTING ME AND MY CREDIT REPORT AS I AM IN THE PROCCES OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE ALL FRAUDULENT CLOSED COLLECTION ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX BALANCE XXXX, ACCOUNT NUMBER XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE XXXX XXXXXXXX XXXXXXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX BALANCE {$2400.00} ACCOUNT NUMBER XXXX, I AM ALSO ATTACHING MY DRIVER LICENSE SOCIAL SECURITY IDENITY THEFT REPORT AND UTILITY BILL. 
THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent correspondence to TransUnion via USPS Mail, they have failed to conduct a physical verification. I requested verifiable proof of accounts and inquires listed in my correspondence to TransUnion. The disputed information wasn't confirmed or verified, in a timely manner. This reporting agency still hasn't reached out to me. They must comply per their policies and remove reported accounts and inquires that they haven't verified in a reasonable time frame.
Product: Credit card or prepaid card

I opened a Chase Sapphire Preferred ( CSP ) card on XX/XX/XXXX ( approximate ), and the sign-up bonus is XXXX UR points for spending XXXX dollars in 3 months. After getting the XXXX bonus, I discovered that my friend had a better sign-up bonus - XXXX points after spending XXXX dollars in 6 months. So on XX/XX/XXXX ( approximate ), I called Chase customer service to ask whether I could get that offer. At that time, the customer service person admitted that there was indeed a better sign-up reward offer and said that after I completed the task of XXXX dollars, I could contact customer service to ask for the additional XXXXXXXX XXXX His tone was pretty sure ; it sounded like I would definitely get the extra reward if I could finish the task. I called Chase again on XX/XX/XXXX ; their reply was the same as the last time. 

I finally completed the task of XXXX dollars on XX/XX/XXXX, and I called customer service with great anticipation to ask for a reward. However, at this time, the customer service person completely denied the XXXX offer. After discussion, finally, she agreed to submit an application for me, but it would take two weeks for others to approve it. On XX/XX/XXXX, I called Chase to check the status of the application. The reply is that they refused my XXXX offer. 

I am very disappointed. If Chase people do not want to give me the XXXX offer, they could have refused me earlier on XX/XX/XXXX or XX/XX/XXXX. On the phone, they could notice that I had a chance to get rejected for the offer. However, they made me feel that I would definitely get the XXXX offer. To complete the task of XXXX dollars, from XX/XX/XXXX to XX/XX/XXXX, I almost used the CSP card for every spend. If I had known the danger of the XXXX offer before, I would use other credit cards, which can generate much more reward points than CSP.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding unauthorized accounts on my credit report that continue to appear despite my attempts to have them removed. These accounts violate 15 USC 1681b, as there is no permissible purpose for reporting them without my consent. I believe these accounts stem from my personal information being compromised in the XXXX  data breach. The ongoing presence of these fraudulent accounts is causing significant harm to my credit and financial well-being. I request immediate investigation and removal of these accounts. If this matter is not resolved promptly. Please find attached documentation related to the disputed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Stuff on there multiple time and should of only went back 7 years and stuff is coming up from 13 years ago that's keeping me from the job
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report. I noticed credit inquiries that I did not authorize, and they are a result of identity theft, made by the following companies : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
, I have included an FTC reort. Please remove IMmediately.
Product: Credit card or prepaid card

I applied and was approved for the American Express Business Gold Rewards Card on XXXX/XXXX/XXXX. The offer at the time of application was XXXX American Express Membership rewards if I spent {$5000.00} within the first 3 months. I used the card to make purchases that met the threshold and was awarded the points on XXXX/XXXX/XXXX. After the points were awarded, I need to make a return of a purchase. American Express then removed the XXXX points from my account on XXXX/XXXX/XXXX. Per the original agreement I still had until XXXX/XXXX/XXXX to meet the minimum spend of {$5000.00} which I did on XXXX/XXXX/XXXX and posted to account prior to XXXX/XXXX/XXXX. I have spoken to customer service several times since meeting the minimum spend, each time with no resolution and only told to wait. I have now waited 2 months without resolution. I have met the terms of the agreement and should be given the XXXX points I earned.
Product: Credit reporting or other personal consumer reports

I had a vehicle loan with Bank of America. Bank of America never provided me the necessary information to access online banking. I made several repeated attempts to call customer service and was left in hold with excessive wait times. I was able to get through to a customer service representative to make my first payment but they could not help me set up online banking and said I had to wait for my temporary password to come in the mail. I never received a temporary password in the mail. I had no way to determine whether payments were being applied to my account. After receiving late fees due to difficulties paying the account over the phone, I called and after several hrs of being on hold wad able to get ahold of a customer service representative who explained that I wanted to pay the loan in entirety due to how difficult it had been trying to make payments due to not having online access. They allowed me to pay and I asked to make sure it would go through. I was assured it did and received a email from Bank of America that stated the loan wad paid off. I assumed it was as I received that email. I didn't notice the payment didn't go through until I saw my credit score drop. I then looked at my online baking statements and noticed the payment never cleared. I then called bank of america to figure out what happened and it took me an entire day again and I'm sure at spent roughly XXXX hrs or more of call time dealing with their organization overall. They stated they never received a payment even though I received confirmation of payment via email. They applied late fees and reported me to the credit reporting agencies for a late payment which dropped my credit score by XXXX points. I explained to the customer service rep I again wanted to pay the loan off in entirety at the rate at what it was on XX/XX/XXXX when I originally made the payment. The rep put through the payment this time and it applied again on XX/XX/XXXX. They allowed me to pay that payment but she left all the late changes and interest for me to pay. I followed up on the call a few days and wasted another day with there customer service and I finally was put through to a manager who eventually resoved the issues and dropped the remaing charges. They said I would have to take up my issues with the credit reporting agencies to fix my credit score and were unwilling to help get that issue fixed. I filed complaints with XXXX, XXXX, XXXX and the XXXX XXXX XXXX XXXX. So far I have hears back from XXXX and they sent me a message that they will not reverse the negative claim on my credit score. If I disagreed I could follow up at this site.
Product: Credit card or prepaid card

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a charge for {$27.00} on my visa account recently for transunion. This charge never showed up on my recent purchases and went straight to my statement. Digging deeper I found that I have been charged four times since XX/XX/2019. I have reported these charges as fraudulent to my credit card account and cancelled the card. I have tried multiple times to call transunion and have not gotten through. I am XXXX XXXX military and rarely have time during the day to stay on hold for over an hr only to have my call dropped. I never authorized any charge for transunion and they have not made themselves available to aid me in solving this problem. I am afraid that they will begin to report this as a derogatory account.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had no late payments with these accounts. 

XXXX XXXX XXXX XXXX
Product: Credit card

I sent capital one payment using remittance coupon that they gave me for payment. They took it and never returned it and refused to accept it as payment. Capital one refused to discharge the debt. Today I've discovered that my account has been unlawfully closed by capital one with no explanation. I mailed them the security via USPS registered mail on XXXX XXXX in which it was received by capital one on XXXX XXXX. I also sent a letter on XX/XX/ requesting the pre-set amount my original application was run for. Capital has never responded to my request.