23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Automatic Payments were dropped upon replacing a lost card. The account remained the same. There were no disclosures upon replacing the card that there would be a need to re-enroll in Automatic Payments. The Payment did not pull on XX/XX/XXXX and the card was frozen without notice. Upon calling the bank to find out why the card was frozen when I returned to the country on XXXX XXXX, it was discovered that this was in fact bank error and the account should have never been late. The bank refunded the late fee, but would not remove the restriction on the card. Prior to understanding this was in fact a bank error, a XXXX payment ( XXXX x times the minimum ) was transferred with US bank funds. It was refused to release the restriction from the card until Tuesday, XXXX XXXX, leaving me without the use of the card for 4 days as well as all of my funds tied up from the checking account in limbo to this payment. There needs to be clear and quick resolution for customers when the fault does not lie with the customer. I spoke with XXXX supervisors, XXXX agents, and requested to speak to a manager. The request to speak with the manager was denied, and stated they would return the call. They did not. Additionally, I asked for the head of the credit card division contact information, name nor number was provided. I asked for an escalation avenue and this was denied. Transparency in escalating requests and timely follow up with a large customer service issue did not occur.
Product: Credit card or prepaid card

Back in XX/XX/XXXX, I reached out to US Bank ( XXXX XXXX to advise that I had been impacted by Covid and needed assistance. They offered a program to me in which I could defer a payment for 2 months XXXX XX/XX/XXXX and XX/XX/XXXX ). They also extended it because no payment was required in XX/XX/XXXX as well. I just reviewed my statement and saw that they are charging {$610.00} as my minimum payment. I called and spoke with a representative named XXXX. XXXX advised that the payment is this amount because these are the minimum payments from XXXX through now. I was never told this by a representative nor did I ever receive any correspondence saying that I would have to be responsible for the payments that were deferred under the covid plan and they are now causing me further financial hardship. This is predatory. I would have never agreed to the plan had I known that they would handle it this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM IN DIRECT VIOLATION OF MY CONSUMER RIGHTS ACCORDING TO 15 US 1681 INACCURATE ITEMS SHOULD BE REMOVED FROM MY CREDIT FILE RIGHT AWAY AND XXXX, XXXX AND EXPERIAN HAS VIOLATED THOSE RIGHT. I AM RREQUESTING ALL OF THESE ITEMS IN MY AFFIDAVIT BE REMOVED WITHIN 15 DAYS.
Product: Debt collection

There wasnt an exact selection matching issue at hand. 

Progressive Management System just appeared on my credit report yesterday XXXX XX/XX/2020 which was surprising to me as I have received ZERO notification since my dispute last year. They were notified last year which is also the last correspondence that this was an absolute error and dispute. 

I contacted XXXX as we have had them for years and are very aware of all of our costs. XXXX investigated and found that XXXX XXXX XXXX entered the wrong billing code and that we were billed improperly. They were advised to fix this at that time. PMS also was to ensure XXXX XXXX was given the account back with no collection efforts. 

This is absolute frivolous collection with zero recent communication and XXXX has already confirmed multiple times this is not owed by the consumer we pay $ XXXX  monthly for health insurance to have the best so no this is not accurate or valid
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I was completely taken aback when I saw incorrect accounts on my credit report this morning, and I cant understand how this happened. I check my report regularly, but this time, there were unexpected discrepancies. I even tried refreshing the browser, thinking it could be a temporary issue, but the errors didnt go away. Im requesting a thorough check of the documents Ive submitted, so I can finally stop worrying about this.
Product: Credit reporting or other personal consumer reports

I acquired my credit report and asked the bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) XXXX XXXX XXXX ACCOUNT XXXX is reporting this account as opened on XX/XX/2023 The date open is not correct date last active is not correct on all three credit reports, Which is a violation! 

This is impacting me from moving forward to buying a house for my family THIS IS A VIOLATION OF 15 U.S. CODE 1681i ( 5 ) REMOVAL OF INACCURATE / INVALIDATED CREDIT INFORMATION. PLEASE REMOVE IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccurate items on my TransUnion credit report, as is my right under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The items I am disputing are not only inaccurate but also the result of identity theft, as evidenced by the extended fraud alert on my credit report. 

Disputed Items : XXXX Account # XXXX : The four late payments reported in XXXX, XXXX, XXXX, and XX/XX/XXXX are inaccurate and must be deleted under the FCRA 's maximum possible accuracy standard, 15 U.S.C. 1681e ( b ). 

The late payments are also obsolete information that should be excluded under 15 U.S.C. 1681c ( a ) ( 2 ) ( A ) ( i ) and the timing rules in TILA, 15 U.S.C. 1666b. 


XXXX XXXX XXXX Account # XXXX : The alleged late payment in XX/XX/XXXX is inaccurate and must be deleted under 15 U.S.C. 1681e ( b ).

This late payment is also obsolete information that should be excluded under 15 U.S.C. 1681c ( a ) ( 2 ) ( A ) ( i ) and TILA, 15 U.S.C. 1666b. 


Unauthorized Inquiries : The inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were made without my consent and must be deleted as impermissible under 15 U.S.C. 1681b ( 2 ).

These inquiries are also the result of identity theft and must be blocked under 15 U.S.C. 1681c-2.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion must conduct a reasonable reinvestigation of these disputes and delete the inaccurate information. I demand that TransUnion provide me with a detailed description of the verification procedure used, as required by 15 U.S.C. 1681i ( a ) ( 7 ).
TransUnion 's failure to comply with these FCRA provisions constitutes a willful violation under 15 U.S.C. 1681n, entitling me to actual damages, statutory damages, punitive damages, costs, and attorney fees. Each violation allows for {$1000.00} in statutory damages.

I have suffered emotional distress, reputational harm, and lost credit opportunities as a result of TransUnion 's misconduct. I demand that TransUnion delete the inaccurate information within 5 business days and provide me with a copy of my updated credit report reflecting the deletions. 

Sincerely cc : Consumer Financial Protection Bureau Federal Trade Commission Illinois Attorney General
Product: Credit card or prepaid card

My card was charged at a nightclub in XXXX of 2021. I have been telling my credit card company that I haven't authorized the transaction and asked them for signed credit card receipt. I have asked them numerous times and have sent them written complaint last year. I gave the card to bartender and next day I see charge of {$1400.00}. Bartender might have charged someone else 's tab on my card. Like I said I asked them for signed receipt many times and I haven't been provided that. They reported it on my credit and due to that my score dropped over 100 points. I am hoping someone can resolve this issue. I feel a little helpless in my position and will have to pay the money I didn't spend. I have 4 years of on time payment with this card without missing any due dates. I am a responsible payer but I don't want to pay for something I didn't spend.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX  inqury that I did not authorize XX/XX/2018 XXXX XXXX  inqury that I did not authorize Credo XX/XX/2018 and XX/XX/2018 I have never heard of this company and did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX   FRAUDULENT NAMES : 1. XXXX XXXX FRAUDULENT PHONE NUMBER : 1. XXXX 2. XXXX 3. XXXX
Product: Mortgage

My mortgage was sold from XXXX XXXX XXXX XXXX Carrington Mortgage Services LLC XXXX 2015. I have been informed that I have no control over which company buy and sell my loan which I find disturbing. Carrington Mortgage Services LLC has the worst consumer services. I stayed on the phone tonight at least 30 minutes waiting to speak to a consumer service rep. regarding notice from Carrington informing me of additional random fees that can be assessed to my account. I requested a copy of the my initial loan regarding additional fees. But I feel it 's unfair that my loan has been sold to a debt collector when I am in good standing with my loan. I feel that these so called fees are ways for Carrington Mortgage Services LLC make profits off consumers and that 's not fair. Carrington is already getting the interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting to Transunion an open XXXX balance on a paid off closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is currently showing two late payments on Transunion one for XX/XX/XXXX which I explained to XXXX  XXXX XXXX  that I did not receive my card in the mail at that time and it shouldn't be reporting as past due and XX/XX/XXXX which I explained that I was affected by XXXX XXXX and this should be XXXX protected. XXXX is showing one late payment for XX/XX/XXXX which should be Covid Protected and XXXX is showing XX/XX/XXXX which should be Covid Protected. This is a violation of my rights under the Fair Credit Reporting Act 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive Practices There is abundant evidence of the use of abusive, deceptive and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to martial instability, to the loss of jobs, and to invasions of individual privacy. 15 US Code 1666b- ( A ) Timing of Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed and delivered to the consumer not later than 21 days before payments due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Northstar Legal group on XX/XX/22 to consider signing up for their services in assisting me with my creditors. On XX/XX/22 I met with a representative and signed paperwork hiring them to negotiate my debt and represent me. In XXXX I was still receiving calls, letters, and emails from my creditors, and I asked one of them why they were still calling me when I was represented by Northstar. I was informed that Northstar had never reached out to inform them I was represented and Northstar had not reached out to attempt to negotiate any settlement on my debt. I contacted the rest of my creditors, and found that Northstar had not contacted a single creditor, or negotiated any settlements with any of them. 

I contacted Northstar on XX/XX/22 and stated that I was cancelling my account because nothing had been done with any of my creditors and that I wanted a refund of my money returned to me. When I spoke with XXXX, a representative there, she informed me that since it was before the end of 90 days from hiring them I would be entitled to a full refund. XXXX stated that it would take 7-10 business days for both of my drafts to be refunded back to my bank account. I asked XXXX exactly how much of a refund I would get, and she stated that each draft of {$290.00}, for a total of {$590.00}, would be refunded to me. I also spoke to XXXX XXXX on XX/XX/22 but they were not very helpful. I sent in an email requesting a refund and letting Northstar Legal know that I was terminating their services. The email included my full name, the people I spoke to, my call case number and that I was cancelling the file and wanted the money refunded to me. 

I called Northstar on XX/XX/22 to inform that that I had not received my refund yet. I was referred to XXXX, who is the withholding company for Northstar. I spoke with XXXX at XXXX who informed me that XXXX was authorized by Northstar to refund me {$55.00}. 

I received a deposit in my checking account for {$55.00} on XX/XX/22. 

I called Northstar on XX/XX/22 and spoke to XXXX in Escalation who stated she is a supervisor. XXXX informed me that she would look into the case and if I did not hear from her by Thursday to call her back. 

I called XXXX back on XX/XX/22 since I had not heard from her yet. XXXX stated that I would be getting {$100.00} more refunded to me. I asked about the full refund, and XXXX stated that XXXX was incorrect to tell me I would receive a full refund, and that all refunds are subject to review and approval. XXXX stated I would not be receiving anymore money in refund from Northstar. 

Why does Northstar Legal Group think they are entitled to hold my money when they obviously did nothing for me? They did not contact a single creditor. They did not negotiate on a single file, per our agreement. They did not assist me in managing my debt or ceasing any of the numerous phone calls, emails, and letters I was receiving. They took my money and are refusing to return it when they did not work on my file.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed ITEMS, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following ITEMS from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MN XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following accounts were closed by me and should state that XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate and Verify This Debt The Original Creditor is Inaccurate US DEPT ED Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate and Verify This Debt The Original Creditor is Inaccurate XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

103 claims true identity fraud/account fraudulently opened the original creditor for this fraudulent accounts listed XXXX  Report Number : XXXX Transunion File Number : XXXX Account name : XXXX XXXX {$3500.00} Account Number : XXXX Date open XX/XX/XXXX Account name : XXXX XXXX XXXX Account number XXXX date opened XX/XX/XXXX Account name : XXXX XXXX {$1500.00} Account number XXXX i called these companies and give them my personal information and the could not find me in the system. i do not understand how i can not address the fraud with them! please assist me on communicating with these 2 creditors to validate that this is identity theft ..also when i got off the phone with XXXX XXXX about a day went by when my caller id said " SCAM LIKELY '' i answered it and it was call from XXXX XXXX XXXX i thought this was another fraudulent account but it turns out that XXXX XXXX sold a debit to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , GAXXXX. 

also i recently found out i was involved in the data breach with XXXX in XXXX this is my FTC report number XXXX these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.
Product: Payday loan, title loan, or personal loan

Key Bank They love to charge overdraft fees. 
They charge me to they should not have charged. I called in and they did not credit me for them. They are very dishonest bank.
Product: Checking or savings account

I got my tax refund deposited into a closed account at keybank. Keybank took the amount I owed them from the refund and sent me a check. I deposited my check on XX/XX/year> into my account using the online banking system on my phone. It said my funds would be available the next day after XXXX. I went to do a purchase and was told my account was on restriction. I called my bank in XXXX NY. They told me to call the fraud department to get it handled. I did, but the fraud told me to call my home branch where I opened the account. I did, but I was told to call another number. I did, that number told me to talk to my home branch. Nobody wants to help me give me my money. I live in FL and keybank is in NY. They kept telling me to go in person, but I can't. The check they gave me was from them. I have called so many numbers for keybank to get this resolved, but I keep getting the run around. Please help me get my funds? I need this for my kids. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account that I believe to be fraudulent. After reviewing my financial statements, I noticed charges on my [ credit card/debit card/banking ] account that I did not authorize. I am concerned that my personal and financial information may have been compromised. 

Accounts included in bankruptcy XXXX XXXX Account number : XXXX Account Balance : {$2100.00} Date opened : XX/XX/year>
Product: Debt collection

I received a call from ( XXXX ) XXXX telling me I was being served with papers would I be home. I demanded information from the lady that called and she told me to call Coastline at XXXX, ask for legal department and use reference number XXXX. I looked up the number and determined this is a scam on this website XXXX XXXX I gave them no information and do not plan on calling them back. I was sure this was a scam but now I know that it is.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to inform you that I am a victim of identity theft. I mailed Equifax a notarized letter on XX/XX/year>, that was received on XX/XX/year> at XXXX via certified mail # XXXX, with all of the required documentation. ( See evidence ) By XX/XX/year>, the accounts that I listed as being the result of identity theft were still on my consumer report, and still indeed remain on my report. 

Reference : XXXX XXXX XXXX XXXX - XXXX of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following accounts are a result of Identity theft and was not initiated by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX evidence ) Equifax did not block and delete this information within XXXX business days. 

Impact and Damages : As a result of this violation, I have suffered various harms, including the denial of new credit and increases in lines of credit. The invasion of my privacy has caused reputational, emotional, physical, and economic harms.