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

Payment history edited by TransUnion TransUnion edited my payment history for a card that I no longer use to reflect two late payments for the months of XX/XX/XXXX and XX/XX/XXXX. I spoke with the company/creditor behind the card who both said there is no late payments. The card history on credit karma also reflects no balance on this card for the months TransUnion claims failure of payment. 

Ive disputed this issue twice already with TransUnion, which resulted in them removing the false late payments just to add them back a few days later. Im now on my third dispute and Im running out of ideas here. This is absolutely destroying my credit while my car is on its last legs. 

It seems like TransUnion couldnt care less about this. Ive spent hours on the phone bouncing from secure chats to automated menu to people who only offer to the advice of opening a dispute. 

I dont understand how this keeps happening. Any advice on what to do next is greatly appreciated. Thanks Card : XXXX XXXX credit card Bank : XXXXXXXX XXXX Credit Bureau : TransUnion
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. This inaccurate information falsely manipulates my credit worthiness and its hurting my ability to obtain credit. ( Credit Bureau- ( Equifax ) failed to investigate this account properly after I repeatedly asked to have the account update your neglect has once again violated my consumer rights, I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX, XXXX ) along with the Police Report I have filed on my local Police Department. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items immediately.
Product: Credit card or prepaid card

There seems to be a practice among credit card grantors specifically Synchrony Bank and XXXX XXXX  in which they appear to be reviewing customers accounts and if their credit score is lower than when they first got approved, the Banks are just closing customers ' accounts and saying it is due to a report received from the credit bureau as if the customer 's credit is bad. I believe this practice is unfair especially if the customer 's account is in good standing with the credit bureaus! like mine! Within the last 120 days this happen to me twice. XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/2021 and just recently Synchrony/Old Navy XX/XX/2021. I just happen to get a credit alert from XXXX XXXX today XX/XX/2021 that my account with Synchrony/Old Navy was closed. I got one on XXXX around XX/XX/2021. When I called to inquire as to why ( same with XXXX  ) they refuse to reopen my account. Both of my accounts were in good standing! I have a 15 page document detailing my interaction with XXXX  that I have been dying to share online. With Synchrony, I wasn't about to go through what I went through with XXXX. I simply told them I am going to file a complaint and sue them. I'm waiting on the same letter XXXX sent me which I received in the mail 3 weeks after my account was closed, ( See attached Letter and that information was not even correct with what the credit bureaus actually had ) telling me basically after doing a review of my account I was no longer credit worthy! Synchrony is going to be sending me, I guarantee you the same bureaucratic letter that XXXX sent me. There was no warning nor notification from XXXX nor Synchrony prior to closing my accounts. Creditors closing my account like this is affecting my credit and has caused my score to drop and they don't seem to care. THIS HAS TO STOP. Unlike the issue I had with XXXX XXXX XXXXXXXX XXXX XXXX card XXXX I wasn't in an actual store making a purchase. I was about to go to the store and make a purchase but then I got the alert about my account being closed. Again, I didn't have another card available at the time to use. They can't just do this to customers. This will affect my ability to purchase a house and car which I was preparing to do within the next 45-60 days! Creditors closing my accounts looks like I did something wrong or that I am a credit risk! and I am not! If this has happened to anyone else, please report it and if you reported it before and nothing was done, report it again. This practice must stop! We must file a class action suit against these banks. These banks are the grantor of almost all the credit cards that are issued in the credit card industry. Go to these links and you will be shocked how many companies issue their credit cards through Synchrony and XXXX ; https : XXXX XXXX XXXX XXXX  and https : //www.mysynchrony.com/XXXX XXXXXXXX XXXX XXXX ; And this is how they treat their customers? It shouldn't be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX from XXXX XXXX account opened XX/XX/2019
Product: Vehicle loan or lease

A few months ago I sent a letter to Veros Credit concerning excess interest rates on my auto loan and I have attached a copy of the letter below for reference. Veros Credit responded stating, " Claimant mischaracterizes the transaction for his vehicle purchase. Claimant entered into a consumer credit sale for the purchase of his vehicle. XXXX XXXX. XXXX. A credit sale is not a loan or forbearance of money, and is not subject state ususry law. '' I would like for you to investigate this matter further because i'm not satisfied with the response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX VEROS CREDIT , LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ATTN : XXXX XXXX XXXX XXXX NOTICE OF EXCESS STATE USURY LAW INTEREST RATE VIOLATION It has come to my attention Veros Credit , LLC has been charging me & excess amount of interest rate that exceeds my state maximum usury law. The Usury Law on interest rates in South Carolina is 8.75 %. 
On XX/XX/2021 I opened an auto loan with Veros Credit and I was charged 23.39 %. Im not sure if you willingly or fraudulently or if this was an honest mistake but you have charged me WAY in excess of my state maximum allowable interest rate of 8.75 %. Im hereby seeking full remedy in excess of my state maximum allowable interest rate of 8.75 %. Im requesting all payments made from the beginning to current in excess of my state maximum allowable rate to be paid in full via certified check or money. Please send payment to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported that this closed negative XXXX phone account was open fraudulent and ask for it to be removed during my further investigation of the company and addresses there was no valid address or phone to contact this company to submit my claims I dont understand why and how the bureaus are getting in contact with this company to support this fraudulent account on my report the address for this company is XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX I have submitted supporting documentation showing who I am and my address during the time this account was open
Product: Debt collection

see FTC report # XXXX this account first reported on my credit report in XX/XX/2022. i requested Exeter provide me with the alleged contract with the " terms '' they stated I agreed to. They never provided me with this alleged contract which is proof of fraud/identity theft because i never signed a contract with them. They are invading my privacy, harassing me, threatening to STEAL my property & it does not belong to them nor have i given them any security interest. They have never loaned me anything. I have never agreed to anything with them & they have failed to provide any proof. I am demanding a cease & desist of all illegal activity. If they can't provide me sufficient documentary evidence that i have any legal obligation to pay them or to seize my property & Exeter continues their efforts, I will file for litigation for actual damages caused & they will be held criminally liable. Your prompt attention & response are both requested & required.
Product: Debt collection

I received a call from LTD Financial Services ( XXXX ) XXXX on XX/XX/XXXX to settle a debt from XXXX XXXX XXXX Account # XXXX. The full amount owed was approximately {$960.00} and I was offered a settlement at {$560.00} - they record all of their conversations. The call occurred at XXXX hours and lasted 7-10 minutes on XX/XX/XXXX - They did not honor that offer despite me agreeing to the offer and giving them my banking information to conduct an ACH debit.
Product: Debt collection

I was involved in a not-at-fault accident in Georgia on XX/XX/2017. I went to XXXX XXXX 's Emergency Room and gave them my insurance which at the time was XXXX XXXX XXXX XXXX XXXX Georgia under my father. I was in-network and XXXX XXXX XXXX XXXX stated that I only owe my deductible of {$250.00} because of the following code reasons : " XXXX - This amount is the member 's copayment responsibility and code XXXX - This is the amount in excess of the maximum allowed amount for a participating provider. The member, therefore, is not responsible for this amount ''. XXXX XXXX in XXXX, Georgia has been balance billing me since XXXX of 2017 and XXXX XXXX XXXX in XXXX, Georgia has been harassing me for the last two years and each refuses to take my {$250.00} deductible and demand I pay the amount of XXXX, XXXX even though it was an emergency visit from a vehicle accident with an in-network provider.
Product: Mortgage

Ditech Financial LLC, the merger with Greentree Servicing, is harassing me by falsifying that it does not have my XX/XX/XXXX borrower 's assistance application. 

First for over 30 days Ditech caused my unnecessary stress and expense by refusing to acknowledge receipt of my borrower 's assistance form despite my repeated certified letters asking them to acknowledge receipt until Making Home Affordable called. 

Then Ditech harassed me by trying to make me submit a new borrower 's assistance application removing child support because it helps me. So, Ditech is falsely claiming that I have not submitted an application because it does not want to process my borrower 's assistance application for HAMP that it received on XX/XX/2016. 

Then Ditech harassed me by claiming that line XXXX of my IRS XXXX was blank when it was n't. Ditech provided a different address and asked for a new IRS XXXX just like it was trying to make me submit a new borrower 's assistance form. 

Then Ditech harassed me by creating several different addresses for loss mitigation to try and create plausible deniability that it had not received my XX/XX/2016 borrower 's assistance form proven by the tracking information. 

Ditech harassed me by falsifying it needed 30 days recent pay stubs that did not exist to keep from processing my borrower 's assistance application for HAMP. 

Then Ditech harassed me by misrepresenting its XX/XX/2016 denial for HAMP due to my housing to income ratio being XXXX % instead of XXXX % because Ditech would not remove child support as if it is denying my current XX/XX/2016. 

Then Ditech harassed me by theatening that if I do not accept their alleged missed payments they claim happened over two years ago that I will not be in imminent default while they are misrepresenting my current housing to income ratio. 

Ditech harassed me by not providing me a dedicated representative for loss mitigation.
Product: Credit card or prepaid card

My finances became limited, inflation didn't help so I'm having my debt consolidated with XXXX XXXX XXXX. Discover card won't quit calling me and my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an erroneous collection was added to my credit report and my score dropped XXXX points across all bureaus. I contacted the original creditor and collection agency and the account was successfully deleted from my report- however my credit score was never corrected to compensate for the XXXX point drop. 
My score before the item was added was : XXXX XXXX XXXX XXXX XXXX Experian The item was successfully removed yet my score at this time is : XXXX XXXX XXXX XXXX XXXX Experian Please correct my credit score.

The account that was added in error was successfully removed however the impact to my credit score has not been corrected. At this time the credit score on my accounts is in violation of the FCRA as it reflects what my score dropped to and has not been updated to reflect my score prior to the erroneous account.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees.

This issues appears consistent with resent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Mortgage

In 2018 there was an application submitted to network capital that I did not authorize I advised XXXX XXXX XXXX XXXX XXXX that I did not want to proceed with the mortgage application 3 times I advised him. And when I tried to go to the office and speak with someone I was told he no longer works there. No one would listen to my complaint. without my consent XXXX XXXX was added to my property title without my consent I never received any money from this contract or agreed to pay the increased amount as I am on social security and can't afford to lose my house I am a XXXX citizen.
Product: Debt collection

On XX/XX/XXXX I received a letter from PKMP XXXX XXXX indicating that I owe a balance of XXXX to XXXX XXXX XXXX 1. My response was a phone call to PKMP on XX/XX/XXXX in which I spoke to XXXX XXXX. I indicated that I would make a payment arrangement of 100/mo to begin XX/XX/XXXX after receipt of written confirmation. 

On XX/XX/XXXX I again called and requested to make a settlement. I spoke to XXXX who told me that only a Supervisor could approve a settlement and to call back on XX/XX/XXXX. However, after reading numerous negative reviews online and also on the XXXX  website, I chose to send a certified letter requesting verification of debt and proof that they actually are assigned or owned this debt currently. On XX/XX/XXXX I received statements from XXXX and XXXX none of which indicate a balance of XXXX. This is insufficient proof that PMKP actually owns or is assigned to this account currently. 

On XX/XX/XXXX I spoke with XXXX XXXX  who indicated that the account was sold to XXXX XXXX on XX/XX/XXXX. However, this was never updated on my credit report as being charged off and is currently showing as XXXX XXXX  open account. As a result of this, my credit score continues to decrease as it appears as though this account is open and I am not making payments to XXXX XXXX. 

I have disputed this with XXXX  on 2 previous occasions. The most recent dispute result on XX/XX/XXXX indicated that the account is accurate as being owned by XXXX XXXX  and to contact XXXX XXXX. Upon contacting XXXX XXXX  on XX/XX/XXXX, they stated that they do not have this account and can not update my credit report even though it should have been updated by them when they sold it to XXXX XXXX on XX/XX/XXXX. Neither XXXX XXXX, XXXX XXXX or PMKP has updated my credit report per FCRA rules. 

On XX/XX/XXXX I spoke with XXXX XXXX and was told that the account was assigned to PMKP on XX/XX/XXXX. Again, this is NOT indicated on my credit report so I have know idea whether they are actually in receipt of this account. 

On XX/XX/XXXX I spoke with XXXX from XXXX XXXX  and explained the above. She stated that they no longer have the account and that this was indicated to XXXX  when contacted regarding the most recent dispute. I then asked for an Account Specialist. I was transferred to XXXX. After again explaining the entire scenario and her consulting a Supervisor, she stated a letter indicating that they no longer have the account will be sent to me in 5-7 working days. 
To summarize all this I need to be completely sure that PMKP  has this account currently before I make payments. The letters I received from PMKP  state that they are collecting for XXXX XXXX XXXX 1 llc not XXXX XXXX, again adding to this confusion and doubt. 

I need to be completely sure that PMKP are actually in receipt of this collection account currently prior to submitting any payments. Under the circumstances, I find this to be very reasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Chapter XXXX bankruptcy petition in XX/XX/2013. Per federal laws, the public record can only remain on the credit report for 7 years from the filing date of the petition. I have disputed the public record to no avail. I then tried disputing via telephone and the agent argued and would not accept my dispute request because she said they would not remove it. I have now been affected adversely in many regards and the public record.
Product: Debt collection

Collecttech is trying to collect money that I dont owe them. 
They are refusing to answer on my emails when I asked how much I owe them. 
They have XXXX different debt collection companies in my credit report for the same debt. 

Collectech and Properties receivable ( which is owned by same company ) are currently on my credit report. This is violation. 
This debt was previously reported by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian 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 's inaction violates federal law and my rights. This also includes same measure of actions with TransUnion and Equifax.
Product: Credit reporting or other personal consumer reports

Please remove the following Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason : Fraud - Did Not Authorize
Product: Money transfer, virtual currency, or money service

Company : Coinbase On XX/XX/23 I tried to link my XXXX XXXX XXXX bank account with Coinbase. The identity verification check on the account details failed due to an inconsistency with my personal information between the bank and Coinbase. Coinbase showed an error message asking me to contact XXXX, their identity verification provider. XXXX helpfully explained the issue. I have a last name with multiple words. 

EXAMPLE FAKE NAME, NOT MY REAL NAME : First name : XXXX XXXX name : XXXX XXXX  XXXX Coinbase was incorrectly submitting my name as First name : XXXX XXXXXXXX XXXX Last name : XXXX I confirmed with XXXX XXXX XXXX that my name was accurately represented in their system, and confirmed with GIACT that the only problem with the identity verification was Coinbase 's false arrangement of the words in my name. XXXX told me that I would need to ask Coinbase to fix the spelling. Thus began a weeks-long customer service nightmare in which Coinbase refused to fix or even acknowledge the issue, and kept insisting that my bank must have it wrong, or that I need to fix my name to match their spelling. It was offensive and disrespectful to be told that my name is " wrong '' or incompatible with their financial product. 

On my own, I was able to identify the technical glitch which caused the issue in the first place. Coinbase asks users to upload an image of their ID, which they use to populate their user name record using XXXX XXXX XXXX ( XXXX ). Once the name is populated, there is no way for users or customer service agents to manually adjust it. All you can do is upload another picture of the ID. Apparently, a XXXX XXXX made the careless assumption that the final space-separated word in the XXXX-generated name XXXX is the last name, and that everything before that space must be the first name. This is true for names like XXXX XXXX, but not names like mine. 

No matter how many times I explained the problem, the likely cause of the problem, and possible avenues for resolution, Coinbase support denied the issue, misrepresented simple facts, and sent copy-pasted blocks of text from their support articles explaining how to upload a picture of an ID. At XXXX point I proposed that I could avoid linking a bank account altogether, if Coinbase would reimburse me for their fees for using alternate, non-ACH funding methods. They refused. Eventually, they sent an email proclaiming the matter formally closed, and cut off all further communication. 

It is infuriating and offensive to be treated like a second class citizen, ineligible for basic banking functionality, because my name has too many words.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed some incorrect addresses. I found your website and have enclosed proof of my current address as required. Please remove this incorrect address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX.
Product: Checking or savings account

I was paid rent through XXXX and the payer changed their mind and claimed fraud and was returned the money and I was out rent money for the month