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

XXXX. I am disputing the 30-day late remark on my credit report for XX/XX/year>. 
XXXX. I arranged for a refund check for {$2300.00} from canceling my warranty on this vehicle. 
XXXX. On XX/XX/year>, I did confirm the {$2300.00} check was received by XXXX. 
XXXX. This payment was applied to my payments only three days after my payment was due on XX/XX/year>. I was not 30 days late on my payment at this point. 
XXXX. When I checked the online account, the check was indeed applied to my payments and stated that I did not have a payment due until XX/XX/year>. 
XXXX. Additionally, I received a XX/XX/year>, statement showing NO payment due. 
XXXX. On XX/XX/XXXX, to my surprise I received a call from XXXX XXXX advising that my payments were about to be past due. 
XXXX. He said that my check for {$2300.00} was reversed and applied to the principal. I explained that I believed it had been applied to the payment based on what the online portal stated and the statement I received. The representative said he would reverse the payment to be made back to my monthly payments. 
XXXX. I explained I am happy to pay then if he is unable to reverse them, but that I do not want this affecting my credit as I had believed this check for {$2300.00} was applied to my payments. 
XXXX. The representative said on the phone he was able to reverse the check to be applied to my payments and that he is waiving the {$15.00} late fee, which he did. 
XXXX. A week later, on Tuesday, XX/XX/XXXX I received a call from the same representative for XXXX XXXX, apologizing and advising me that my {$2300.00} check was indeed applied again to my principal and that is because it was an insurance payment ( however, it was a refund check and had nothing to do with insurance ). 
XXXX. Had I known that it was applied to my principal to begin with, I would have had no problem making the monthly payments. Instead, I was not aware and now am being reported to the credit bureaus as late for XX/XX/year>. 
XXXX. I immediately made a {$1800.00} payment over the phone with the representative to bring my account current. 
XXXX. He said his manager will be able to fix the reporting for me and had me on hold for nearly 45 mins while I awaited his manager. He never came on so he said that he will send a message to his manager, and I should hear from him shortly. I never heard back from his manager. 
XXXX. After multiple additional calls, I was told to write a letter to XXXX XXXX  Problem Resolution Services, which I did on XX/XX/year> and on XX/XX/year>. 
XXXX. Unfortunately, XXXX XXXX Problem Resolution did not agree with my me and sent a standard letter advising that they are reporting correctly with no way to reach anyone to discuss their findings. 
I am a responsible person and make my auto payments on time. I never had any past late payments. I would have paid had I known that the amount had to be credited to my principal as I was never notified of this. 
I find it egregious that XXXX  is not willing to remove this derogatory remark for something they did.
Product: Credit card or prepaid card

Hi. I qualified for the signup bonus on the XXXX XXXX XXXX XXXX in XXXX. I was supposed to received the points in XXXX. Nothing. I opened a case. Nothing. I have direct messages from them confirming I met the purchase reqirement.
Product: Credit card or prepaid card

I had visited XXXX XXXX XXXX  in XXXX, PA on XX/XX/2019 with my girlfriend and some of her friends and sat down at a table. Our server ordered/brought our drinks to us at our table. That night I spent {$100.00} on my card, including tip, and left around XXXX. As I left and got into my XXXX, I was notified by Chase Fraud that I had two more charges to my debit card from XXXX XXXX XXXX. 

I immediately called and disputed the charges, they reversed the payments and credited my account for the total of the two transactions of {$100.00}. Then Sunday, XX/XX/XXXX, I get a letter from Chase saying that upon further review/investigation the transactions were authorized and they'll be deducting the credit from my account. I know for a fact that I did not sign three separate receipts that night and only spent the {$100.00} that I did not dispute. 

I called back Chase to argue about this and they said theres nothing they can do since the company provided them with receipts of the three transactions that supposedly have my signature. I asked them to send the transactions/receipts to me so I can compare the one receipt that I signed to the other two that I know for a fact I did not sign. I received the documents in the mail and the signatures do not match whatsoever. But since the restaurant provided them with receipts from that night using my card and there were signatures on the receipts theyre saying they cant help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my consumer report I've noticed that Transunion is reporting multiple collections accounts to my consumer report that doesn't belong to. These accounts were fraudulently placed on my report in which I never gave any of the creditors consent to purchase my personal information nor did I give them permission to report these accounts to and credit reporting agency. How can I owe a debt if there was never an agreement for me to pay a balance? I have no knowledge of these companies asking me to pay a debt where there was no mutual agreement. Pursuant 15 U.S. Code 1692c - Communication in connection with debt collection, Section ( c ) Ceasing Communication, I ask that the creditors cease communication with me which also includes removing these accounts from my consumer report which by definition is a form of communication.

Violations listed below : 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681i - Procedure in case of disputed accuracy, Section ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S. Code 1681e - Compliance procedures
Product: Debt collection

ERC ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX, XXXX, FL XXXX Phone : XXXX Fax Numbers : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify ERC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission ERC acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Lack of Response from TransUnion on Credit Dispute Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint against TransUnion for failing to respond to a credit dispute I initiated on XX/XX/XXXX regarding an inaccuracy on my credit report. The disputed item concerns a XX/XX/XXXX Loan account reporting with several inaccuracies on it. 

In my original dispute, I referenced 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy of the information contained in consumer reports. Given that I did not receive a response from TransUnion within the legally required timeframe, I am deeply concerned about their failure to uphold their obligations under the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting is adversely affecting me. I request that since this account has not been verified and is inaccurate, that it be deleted from my credit profile. 

I respectfully request that the CFPB investigate this matter to ensure that TransUnion complies with its legal obligations and provides a timely resolution to my dispute. 
Attached to this letter are copies of my original dispute letter that was mailed to Transunion along with my supporting documents of CA Drivers License, SS Card, and a utility bill. I appreciate your assistance in helping me to resolve this issue. 

Thank you for your time and attention to this matter. Please feel free to contact me if further information is needed. 

Sincerely, XXXX XXXX
Product: Checking or savings account

First let me say that this dispute is still currently in process as an investigation. I have an account with American Express Serve. I have been with them for over 3 years. On XX/XX/2019 around XXXX, my account was hacked by a person named XXXX XXXX twice in the middle of the night for {$500.00} and {$370.00} totaling {$870.00}. I was only able to pay one of my bills, XXXX, on this day due to my funds being cyphered as I was looking at my account on my phone.I actually receive an email at this hour stating that I sent this person the money as I am on the phone with the customer service representative. They gave me an invalid number to what was supposed to be the dispute department, which turned out to be a cruise line sweepstakes number ( XXXX ). In order to get back into my account, I had to call the CSR around XXXX as I was on my way to work because my account was locked due to numerous attempts to get back into my account after I had changed all my security measures after I got off the phone with CSR last the morning before. My account was opened only to be locked again later on that morning. My account had already been depleted to {$0.00}, but the person was still trying to access my account. Therefore, as I was on the phone with a supervisor, he changed my username so that my account would not be locked again. I still do not have any of my money because they insist on investigating the case more. I told them I would call back everyday until I have my money back. My account should have been FDIC insured, which means my money should have been returned to my account that day. I also filed a police report on XX/XX/XXXX19 and had to report that to them. I pulled up the unauthorized debit form and fax everything you see to them. By the way, I had to look up the dispute department number as well as the form and send it to them. They really did not help me through this entire process. I feel that this was done internally because of how this situation was pushed only by me. I am highly upset and hurt by this company. Every call is recorded supposedly, someone should listen to how well their customer service reps and supervisors ensure the happiness of their customers when it comes to people loosing their money.
Product: Debt collection

Pioneer Credit Recovery continuously calls my department here at XXXX, harasses staff, and leaves messages. The woman in question is XXXX XXXX and her phone number is XXXX ext. XXXX. 

I believe she is trying to collect on student loan debt, which SHOULD be in deferment since I am a full-time graduate student.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX You are in Direct violation of the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX has violatyd several of my rights 16 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy 16 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 16 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose. Remove the wrong late payment reporting and update account to PAANL ( Paid As Agreed Never Late ) acccording to the consumer protection laws.
Product: Debt collection

I'm having financial difficulties with paying my world finance bill. My home insurance went up to {$1200.00}, then my light bill went up {$200.00}. This is why I couldn't pay my world finance bill anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, I have now sent letters to Equifax 3 separate times disputing late payments that should NEVER have been on there, and even showing them violations of their reporting. Now, they've committed another violation. On XX/XX/2019, I pulled my report and they had indeed removed all 8 late payments from XXXX that I had disputed ( I have attached that report that I pulled on XX/XX/XXXX ) But, then, on XX/XX/XXXX, I pulled it again, and 4 of the late payments had been reinserted. It is now 13 days later and Equifax did not send me ANYTHING to inform me that they had reinserted those late payments. The fact of the matter is I was NEVER late on these accounts. They show the accounts were 90 days late, but there are no 60 or 30 day lates before that on the reports. I was NEVER late. Here is the history of my dispute letters to Equifax regarding this, and I've attached the corresponding letters with this complaint : 1st letter - XXXX XXXX, 2019 - ( USPS Certified Mail Tracking Number XXXX ) - They did NOT remove the late payments, and sent me a letter back stating that they had " verified '' them, but did not enclose any proof of their investigation, or how they had arrived at that conclusion. I then sent them a 2nd letter on XXXX XXXX, 2019 after I received their reply. ( USPS Certified Mail Tracking Number XXXX ). They again did NOT remove the late payments, and sent me a letter back stating that they had " verified '' them, but did not enclose any proof of their investigation, or how they arrived at that conclusion. I then sent a 3rd letter, this time detailing actual violations that I was seeing being reported on these  accounts on the credit reports. You'll see this in the 3rd letter to Equifax that I have enclosed with this complaint. 3rd letter - XX/XX/XXXX 2019 - ( USPS Certified Mail Tracking Number XXXX ). They received it on XXXX XXXX. As I stated earlier, I then pulled a report on XX/XX/XXXX, seeing that they had indeed removed all 8 of the 90 day late payments from my Equifax reports. The next day, they reinserted 4 of them, and it has now been 13 days and I've received nothing from them about the reinsertion, and still NO proof of late payments. I was NEVER late on any of these accounts. I also I demand that they remove all of the 90 day late payments from these accounts!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ... THIS WAS A STUDENT LOAN THAT WAS FORGIVEN WHEN I WAS PUT ON XXXX. I WAS TOLD IT WOULDNT SHOW NEGATIVE ON MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX XXXX {$27000.00} XXXXXXXX XXXX XXXX  XXXX {$7100.00} XXXX XXXX  XXXX {$680.00} XXXX XXXX {$320.00} XXXX XXXX XXXXXXXX {$3900.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Commedity Bank calling excessively past 2 weeks. as a result of identity theft. Another individual fruadently used my information to obtain a XXXX XXXX XXXX, XXXX, and XXXX, confirmed with companies already
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reports to the credits bureaus every XXXX of the month. On XX/XX/XXXX XXXX XXXXXXXX bank reported an incorrect balance on my account. I made a payment of {$420.00} on XX/XX/XXXX but the website was having issues. I called in to make a payment with a representative who waived the agent fee. My credit report dropped tremendously because the wrong amount was reported when I made a payment. It was reported on the wrong day. XXXX XXXX XXXX also has me reported late on XX/XX/XXXX and XX/XX/XXXX with all three credit bureaus. I Have been trying to fix this problem for over a year. I paid a protection fee faithfully every month and called in to get covered for those months since I was out of work. I called in to get set up only for the representative to not put me on the protection plan causing late payments being reported and credit score dropping. I have called in over 30 times and wrote letters and no one has reached out to me.
Product: Credit reporting or other personal consumer reports

n 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. 
I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX ACCT # XXXX, XXXX XXXX : # XXXX, XXXX : ACT # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 

ALSO I NOTICED UNAUTHORIZED Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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
Product: Debt collection

In 2014, I visited a apartment complex by the name of XXXX XXXX on a Sunday afternoon. I inquired on a XXXX bedroom apartment and I filled out a application to be qualified for the apartment. I was told that it was Sunday and they would not be able to give me an answer until later on down into the week regarding the status of the application. I still filled out and gave my application fee. I left the complex and got home. less than XXXX hours later I called the apartment complex and told them I had changed my mind on the apartment and to not process the application. I thought this was over with. I did not ask them to refund the appication fee or anything. So I was shocked when I saw this account of my credit profile as me owing them money for a apartment that I never lived in nor signed a lease for.
Product: Credit card or prepaid card

I attempted to make an online purchase on XX/XX/2022. US Bank sent me a text asking if it was me that use the card and I texted back yes. Well they did not let me use the card again so I called customer service for XXXX XXXX XXXX  They informed me that there was nothing they can do. They couldve picked me randomly to put a hold on my card. Unless Im mistaken, they can not put a hold on my card. That was not used for fraudulent activities if I was the one using it. Now they are holding my money till Tuesday. Its the only money I have its my unemployment card for XXXX XXXX thats the only income I have in the winter time because I work part time in the summer. They were said theres nothing they can do to help me I sent in my ID on Friday night I sent a selfie like they asked me every person Ive talk to you there said too bad theres nothing they can do. So Im left with no money at all and Tuesday when they said it might be fixed I get my next check in and I couldnt pay the bills. I have today with last weeks check. Since when can a financial institution hold your money for no good reason. What are the girls said it mightve been my change of address well let me tell you about the change of address their company their bank made me change my address. They said there was something wrong with the address I gave them and they wanted a new one, so I gave them a different form of the way my address was. I did nothing wrong here and Ive gotten nothing but rudeness and ignorance from these people. What am I supposed to do whos gon na pay my bills this week and they froze it over the holiday weekend. This is absurd. I want to file charges against his bank for holding my money. There is no reason in the XXXX constitution that they could be doing this to me.
Product: Credit reporting 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. 
XXXX XXXXXXXX Balance {$20000.00} XXXX XXXX XXXX Balance {$16000.00} XXXX XXXX XXXX XXXX  Balance {$14000.00} XXXX XXXX  Balance {$1700.00}