23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I closed my XXXX XXXX post-paid account and opened a prepaid account. However, XXXX continued to bill me for the post-paid account. Subsequently, the payment to the account was incorrectly reported as late instead of closed. I called XXXX each month that I received an erroneous statement, was promised that I would no longer be billed for the old plan, but the error was never resolved. I filed a credit dispute report with Transunion on XXXX XXXX XXXX XXXX : XXXX which has been in dispute since that date. XXXX continues to claim that the payment is in default but has not responded to the fact that the bill was for a post-paid account that had been closed. Since XXXX has not responded, I request that the disputed information deleted from my credit report. Transunion has been unresponsive. The following is a list of my payments to XXXX in XXXX : XX/XX/XXXX {$51.00}, XX/XX/XXXX {$51.00}, XX/XX/XXXX {$51.00}, XX/XX/XXXX {$51.00}, XX/XX/XXXX {$58.00}, XX/XX/XXXX {$51.00}, XX/XX/XXXX {$43.00}, XX/XX/XXXX {$43.00}, XX/XX/XXXX {$37.00}, XX/XX/XXXX {$37.00}, XX/XX/XXXX {$37.00}. I have been a customer of XXXX XXXX since XXXX, never missed a payment, nor been late with a remittance. Please correct my credit report.
Product: Debt collection

In the past 2 days my mother in law has received multiple letters on her door and from the mail man for me. Its copies of court papers from XXXX, XXXX that states that Im being sued but I was never aware of this. I have never received proper paperwork prior to this, nothing for me to dispute anything in writing, no paperwork for me to respond or settle any debt. Just copies now. Please cease and desist all communication for harrassmemt. My family is now being harassed. Im in the middle of paying off my bankruptcy to file. Im being sued with out any knowledge. Continue to send and tape letters on my familys homes. Im sickened, embarrassed and stressed. This is the only debt collector that has done this to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft, Ive sent FTC report to both XXXX and Experian. The following account doesnt belong to me. Please see attached copy of FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian after I purchased a credit report from Experian.com on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts : BANK XXXX XXXX XXXX, BANK XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts is inadvertently resulting in me being extorted.
Product: Mortgage

I sent in my XXXX mortgage payment. I have a XXXX grace period on the payment and I sent the payment on XX/XX/XXXX from XXXX, AZ which XXXX have arrived by XX/XX/XXXX at the PNC XXXX XXXX XXXX, CA. On XX/XX/XXXX, I noticed the check debit wasn't in my account. I called PNC the morning of XX/XX/XXXX about my payment and they said not to worry. When I looked at the mail later that day I saw a letter postmarked XX/XX/XXXX that was returned from PNC. I called PNC back and informed them of the situation. They said send the payment to the same address as before would be fine. They said they would ensure I didn't have a late fee. Well, I notice a late fee on my account. I called them today and they said they can't remove the late fee because they removed one on XX/XX/XXXX. Well, I actually didn't ask them to do that during XXXX. Why are they charging me a late fee when this is all their fault? This isn't fair. I want this late fee removed. {$92.00} is excessive. Also, how do I know that they don't return payments sent within the grace period on purpose so that we pay extra fees?
Product: Checking or savings account

Back in on XX/XX/XXXX th I had received my quarterly checking statement for XXXX XXXX & XXXX after going over them I had immediately notice unauthorized transactions to my account I had notified chime while talking with the lady I had advised her chime had sent me a fraud alert in text message I had responded no to the alert advising them not to approve those transactions but yet they had allowed these transactions to still go through my account in total it was XXXX / XXXX & XXXX for multiple in app purchases and an atm withdrawal that had not been authorized and they allowed them to do this between XX/XX/XXXX till XX/XX/XXXX till I have sending there dispute team over XXXX dollars in total that were unauthorized transactions from XXXX and that these purchases were made one after another and in the full total of purchases that had been made from XXXX till XXXX totaled another XXXX I have put in multiple disputes with them in regards to this matter and they keep denying me them I advised them that they are responsible for my money especially considering the circumstances of events as nd asked them to send me the details on what made that decision especially due to that two transactions were ATM WITHDRAWALS BUT TO DATE NOTHING HAS EVER BEEN PROVIDED
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX i was approved for a 15,000 personal loan. I was never given paperwork to sign, everything is online with no details concerning loan terms and conditions. I called Prosper on XX/XX/XXXX about my XXXX, i was told that the XXXX is 28.99 % i request a lower rate due to my good credit. The term of the loan is 36 months, paying XXXX monthly payment coming out my bank account as auto pay. I feel this is a scam and would like to correct this error.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX TX XXXX To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. 
I demand the following accounts to be removed immediately : TD  XXXX XXXX XXXX  XXXX - Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA TransUnion is required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed item does not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove this file. 
XXXX XXXX Balance : {$1900.00} ; If TransUnion feels there is a possibility this account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

As i have previosuly filed a compliant with XXXX and XXXX that has been delt with appropriately. I have come to find even more inaccuracies within my credit report throughout all three reports. This time including Experian, XXXX as well as XXXX in regards to derogatory remarks on Payment history 30 days past due, On time, Data unavailable from all three credit reports as well inaccurate dates and amounts on each one with XXXX XXXX XXXX. I will be attaching and providing evidence in this complaint of these inaccuracies. As iv stated previously through the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian, XXXX and XXXX all being consumer reporting agencies as I am the Consumer. And 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states ''. 

Mainly these inaccuracies and issues are pertaining to the improper and inaccurate amounts throughout Payment History from what iv found or transaction history being reported throughout my credit reports on Experian, XXXX and XXXX for XXXX XXXX XXXX. As stated from 15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting. With ( 2 ) Exclusions : ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; in itself reporting transaction history is illegal. ALL inaccuracies and remarks iv listed and attached to this complaint I want deleted off my credit report for inaccurate information in violation of 15 U.S. Code 1681e stating " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

As I have looked in my credit report Payment history for XXXX XXXX XXXX  dates and amounts i've attached report different things that conflict with each other, as well as in violation of 15 U.S. Code 1681e as I've mentioned in the paragraph above however specifically ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. Again, ALL inaccuracies as well as derogatory remarks made on my credit report under Payment history and balance for XXXX XXXX XXXX be removed as well as any adverse action related notations ( derogatory remarks in payment history ) removed and the status updated to Paid as agreed on Experian, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

ID # XXXX Based on correspondence received, I have spoken with Wells Fargo 's Product Remediation Group on XXXX occasions ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) and told I should received their check for {$68.00} to settle this class action in XXXX business days. I am now been told on the XX/XX/XXXX & XX/XX/XXXX follow-up calls that the check is being processed but has been delayed due to the holidays.
Product: Credit card

I have an account with XXXX XXXX XXXX XXXX XXXX. I made a payment on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my account. The company claimed that the XX/XX/XXXX payment was returned by my bank for insufficient funds, additionally the two other payments on XX/XX/XXXX and XX/XX/XXXX which were successfully processed by my bank is now placed a XXXX day payment hold to verify funds on payments that they have already received and charges me a {$30.00} return check fee. I check with my bank and they have confirmed that I had no rejected payment or payment attempts by XXXX XXXX during that time period. I call the company and am told that this is company policy and that the agents I spoke to can not explain nor validate to me how the payment on XX/XX/XXXX was rejected while the other two were not. I feel that this company is arbitrarily playing fast and loose on how they apply payments to customers accounts to accumulate fees and holding payments for XXXX  days to collect free interest on payments that have already been validated and cleared by financial institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has reported that I am deceased. This is the second time they have put a deceased alert on my credit file. When I asked who provided this information, I was told they do not know. They legally have to know the data furnisher of this information. This needs to be removed and Transunion is just as responsible as the data they furnish ; therefore, they need to verify someone's living/deceased status prior to placing this information on my credit file. For this reason I am unable to access my credit file online.
Product: Debt collection

On XXXX XXXX my chase Bank account was debited {$27.00} for a charge that I sent back the merchandise to the merchant on : Your item was delivered to an individual at the address at XXXX pm on XX/XX/2018 in XXXX, GA XXXX. Tracking Number : XXXX. So, I sent back the XXXX to the XXXX XXXX. Now I am charged {$27.00} for the merchandise. My Bank Chase refuses to dispute the case further. So, I have to take the loss of {$27.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

On XXXX XXXX, 2015 my husband and I applied for a mortgage loan with XXXX to consolidate credit cards. In XXXX 2015, we contacted all our credit card companies asking that our accounts be closed and no more charges or interest charged to account. On XXXX XXXX, 2015 XXXX XXXX sent to Citibank a check for XXXX which was an overpayment to Citibank and when I talked with them they said i was due a refund of {$590.00} amd the check would be submitted to me in XXXX to XXXX business days. Today, they sent me a statement saying that I now owe XXXX. {$10.00}. for XXXX 2015 because i was charged {$600.00} in interest for XXXX. They charged interested even though the accoutn was closed in XXXX 2015. XXXX they told me i would be refunded XXXX for overpayment and now turn around and charge me {$600.00} after acount was closed. Do I have any recourse in getting the {$590.00} refunded to me? I have been a loyal customer of Citibank for over 40 years and am very disappointed XXXXwith XXXX action. What can you do to help?
Product: Prepaid card

My wife and I received two {$50.00} gift cards for our birthdays as a gift from our daughter. She purchased " Vanilla Gift Cards '' from XXXX in XXXX on XXXX, XXXX, XXXX. She paid with her credit card. When we opened up the packages that were sealed, we noticed the last XXXX numbers of the XXXX-digit number on the front of the card were erased. These numbers were not punched, they were flat. There were no signs of tampering with the packaging. The cards were placed in the packaging where you were able to see the back of the card and not the front. In my opinion this was packaged at the factory. When we tried to use the cards, they were declined with no money on the cards. I called up the number on the back of the card ( XXXX ) and because the numbers were erased, I needed to submit proof. I submitted via email to XXXX and received a case number. The receipt from XXXX, a copy of my driver 's license and the front and back of both gift cards. I received one replacement {$50.00} gift card and a few weeks later a 2nd replacement card that had on the front of the card typed in " A GIFT FOR YOU {$.00} I called several times and I'm still waiting for the 2nd card. I've researched on XXXX and it seems to be a problem with this company. This is a scam, and they are making it difficult so people will give up and they get to keep your money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA, Experian after receiving my investigations regarding The Bureaus Inc did not comply with the laws regarding my rights regarding disputing inaccurate and unverifiable information. 

The Bureaus Inc did not provide information - statements alone do not meet the Act 's ( FRCA ) definition of validation - that would validate the item ( {$910.00} collections ) appearing on my report.
Product: Credit card or prepaid card

In XX/XX/XXXX, my credit score was XXXX when I was looking at auto finance options. 
In XXXX, I started a refinance on my home. I saw on credit report Target {$28.00} missed payment. I immediately called Target and paid the balance in full {$130.00} having had no idea there was an overdue balance. I requested Target investigate the charges and their notifications processes. I have made two more requests for Target to investigate. I did not receive any emails ( or USPS mail ) from Target about a balance/payment, due/past due, statement ready or payment received. I did not receive any emails from Target for the charges on my card, the shipping of items, or the balance overdue on my card. I pay all of my credit cards online and receive emails for all of these notifications. Target refuses to remove this from my credit reports. Also, since I paid Target {$130.00} on XX/XX/XXXX, I have not received a confirmation of payment or a statement ready email. I do have a confirmation # for proof of payment. Target does not confirm communications are sent/received to/by their customers. When there is an issue with emails being sent/received they do not investigate to resolve the issues. I found 3 other people that have the same problem with Target. They, like me, had no idea items were charged to their credit card. They had not idea there was a balance was over due because they did not receive notifications in email or via USPS mail. Target has not investigated or resolved their issues. This has and will continue to substantially hurt my credit score. I have contacted Target over XXXX times to remove reporting from my credit. I also paid XXXX to Target so it would not continue to be reported. And they refuse to investigate why communications were not sent to me. Why didn't I receive the emails ( we confirmed the email address which has not changed ) and why didn't I receive USPS  mail notifications of payment ( s ) being late? On all three calls to Target, I was told they would investigate their communication process errors. Since XX/XX/XXXX I have been working from home due to Covid 19. Did Covid-19 affect their processes? The 3 other people that have not been able to resolve the credit reporting and lack of communications from Target had great credit, too. Yet, like me are giving up because Target will not assist to resolve. But they were quick to report without any notifications to their customers.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.