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

Today, I am writing this complaint to JPMCB CARD regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Transworld has called my home XXXX times for my mother, despite being told she does not live with me. The calls occurred XXXX/XXXX/15, XXXX/XXXX/15, and today, XXXX/XXXX/15. Today ( XXXX/XXXX/15 ) the call came in at XXXX this morning waking up my children. The number they call from is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$790.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Was hired by a company which I have all the records had a web page I checked everything was told was on 2 week period fot employment was to buy products send to another company in XXXX. I did they send me packingings slips they paid off 4 of my credit cards to use and there bank account to pay off once they recieved there goods about in 2 weeks they reversed the payments from the bank on my cards and now the cards are coming after me. I have called them many times with no luck it comes to almost XXXX the cards are XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX I will attached all the paper work below, I have filed a police report FDIC It is ruining my credit because I refuse to pay. 

Thank you
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint to TransUnion Regarding Inaccurate Reporting of Possible Finance on Credit Report : I am writing to file a formal complaint against TransUnion regarding the inaccurate reporting of Possible Finance on my credit report. I have discovered that the Payment History for this account does not show any late payments, yet the account is being reported as 30 days late. This discrepancy is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

According to the information provided on my credit report, the Possible Finance account is inaccurately reflecting a status of 30 days late. However, there is no derogatory payment history to support this claim. As per the regulations outlined in the FCRA and TILA, an account can not be reported as 30 days late without any substantiated evidence of such a late payment.

This erroneous reporting by TransUnion is not only damaging to my credit score but also constitutes a violation of my rights as a consumer under the FCRA and TILA. It is imperative that this inaccurate information be rectified immediately to ensure the integrity and accuracy of my credit report.

Therefore, I am formally requesting that TransUnion take immediate action to delete the inaccurate reporting of Possible Finance from my credit report and rectify this error without delay. I expect full compliance with the FCRA and TILA regulations to ensure that my credit report reflects accurate and up-to-date information. 
I trust that TransUnion will investigate this matter promptly and take the necessary steps to resolve this issue in a timely manner. Failure to do so will result in further action being taken to protect my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a XXXX XXXX XXXX offered by the U.S. Dept. of Education XX/XX/2021. XXXX XXXX XXXX XXXX, email : XXXX, Website : XXXX  : XXXX payment were made XX/XX/2021 {$190.00}, XX/XX/2021 {$190.00}, XX/XX/2021 {$190.00}, XXXX XXXX. A total of {$780.00}. I was told that I qualify for the loan forgiveness program and that after making all of my payments which I did, that my student loans would be completely paid off in full. However it is still on my credit report as a debt that is still. My payment of {$780.00} will go toward processing my application documents enrolling me int the federal program. I was also told that I am subject to their 100 % guarantee policy listed in my proof of enrollment. If I am not approved through the Department of Education for the selected XXXX XXXX, then XXXX XXXX XXXX will reimburse me % XXXX of my processing fee back to me. 
client XXXX document : XXXX sending agent : XXXX ( XXXX ; XXXX XXXXXXXX XXXX XXXX like XXXX XXXX XXXX ) email : XXXX  ( XXXX XXXX ) was my person of contact. Once they got my money I never heard from them again. I believe my account was sold to XXXX. 
Because of this treatment, I had to change the dates of me purchasing my real estate investment properties because my reports are not up to XXXX standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two unauthorized hard pulls on my credit 1. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX Never authorized 2.XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX Never authorized
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX XXXX XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit card

I'm here to complain about the way that Citi bank resolves credit card charge disputes. Citibank makes it unreasonably difficult to dispute charges so that their customers eventually give up. If they can charge XXXX  % APR, then they should provide the financial services they advertise. 

I bought a couch on XX/XX/2024 and never received it. After talking to the merchant, my only option was a partial refund, which meant losing > {$700.00}. I found it unfair to pay {$700.00} for something I never received, so I decided to dispute my charge with my credit card company. 

When you dispute the charge with Citi, they immediately put money back on the card, to give the customer immediate satisfaction. The immediate response makes you feel like the issue is resolved, but it isn't. After several weeks, they email you a PDF form and ask you to hand write more information about your dispute and physically mail it to their support centers. 

This is where most customers give up. This process should be much faster and should not involve any physical mail. Citibank does not have an advertised customer support email. They only have phone numbers where callers wait in queues for hours, or physical mailing addresses. They purposely make themselves difficult to contact so they can avoid providing the services they advertise. 

I've attached a screenshot of the form from another dispute they asked me to fill out and mail back as an example. I can't attach the entire document because it has personal financial information on it, so the screenshot is the best I can do. Notice that they ask me to mail the response to a XXXX XXXX XXXXXXXX, XXXX XXXX, South Dakota instead of emailing them.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many inquiries on my credit report that I did not authorize, XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX fromXX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX XXXX XXXX has multiple inquiries from XX/XX/XXXX-XX/XX/XXXXThis inquiries were never authorized by me and I would like them removed.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

For 10 months I mailed dispute letters to XXXX, XXXX, and TransUnion regarding the correction of several inaccuracies on the following accounts XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX  Pursuant to 15 U.S. Code 1692g, letters requesting the validation of debt were mailed on XX/XX/2020 directly to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  In accordance to 15 U.S. Code 1692g XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  were to provide a breakdown of what the past due balance is for and a copy of the original signed contract from the original creditor. As of today, the credit reporting agencies XXXX XXXX, XXXX, and TransUnion ) and credit furnishers have yet to respond back to the disputes, debt validation, and section 609 requests.
Product: Debt collection

( XXXX ) XXXX is the number they tell me to call. They are calling from this number though XXXX. It is a recording telling from XXXX XXXX. Stating that my account is been audited internally and that I need to call their office immediately before schedule advancement of my account. This will be their final call. They call me every day different number. They call my parents cell phones 10 times a week. Stating i owe XXXX. Doesn't say name of debt collector. Website given to go to is XXXX.
Product: Debt collection

On XX/XX/2021 an account with XXXX XXXX XXXX XXXX XXXX was opened fraudulently. I have strong beliefs my identity has been stolen and used to open this account. I had no knowledge of this account until XX/XX/2021 when my credit took a huge dip on XXXX XXXX due to a collection. ( AARGON COLLECTION AGENCY ) however i never received a letter or phone call or email from them. I contacted them but they insisted they couldn't help me until I gave them my social security number. They said my name and address and phone number weren't enough I didn't feel comfortable so I didn't and hung up. This all feels very unprofessional and shady. I'm not sure what is going on but I know the account was never opened by me and the collection company had no information on me and they want my social security but I dont know if it's safe. And now they want payment on a collection they put out on me when they dont even my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently paid off two loan Mortgages In XXXX XXXX. Prior to paying them off my credit score was XXXX. The two loans were through XXXX XXXX XXXX and XXXX XXXX XXXX. Between XXXX and now my credit score has been reduced XXXX points. I have no late payments or derogatory remarks to explain why this took place. The only thing listed on report is my new loan mortgage ( its in good standing ) and Child support, which is also in good standing. The only thing that has changed is the closed Mortgage loan accounts. Ive called all three credit Bureaus and XXXX, but no one can me give an explanation as to why closing those two accounts affected my credit score so negatively. I fully understand that closed accounts can reduce your credit score some. But, losing a XXXX points for paying loans off is unacceptable. My credit score went from XXXX to XXXX
Product: Credit reporting or other personal consumer reports

Collection companies have inaccurately reported balances for accounts that have been either closed or paid off. Ive reached out to companies with my account numbers requesting for proof to validate the owed debt they say I was responsible for paying to no avail I have not receive proof of a contact agreement between me and these debt companies. Ive also requested that XXXX, XXXX and Equifax update and correct my personal information that I am no longer or have not been associated with and that has not happened. Theres is a bunch of false information on my credit report that I am eager to correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lender is not able to pull up Experian - XX/XX/XXXX score for me, on a {$2.00} Million dollar loan. The report says its " Frozen ''. 

I have been calling Experian for 24 days ( almost daily, many days multiple times ) and the issue is not resolved. I even called them with my lender on the line - and when they would say the problem was fixed, my lender would run the report and fail - and they would find another problem, until my lender had to jump off the line because XXXX repeatedly failed to solve the problem. 

They have misdiagnosed the problem multiple times - have taken " 3 to 5 business days to correct '' multiple times, and every time they tell me the issue has been resolved, it isn't. After multiple tries, they say with some consistency that the issue is that I have a " split '' file in the back end and my data has been confused with someone else 's with similar name or social security number. 

Additionally, I am very often disconnected after being on for 30 minutes or more, there is never any 'history ' of the endless discussions I have with them as they say 'they do not keep notes ', I have to redescribe the problem every time, and the supervisors from their dispute department continually promise to call me back - and I have yet to receive a call back. 

Lender continues to say they can not pull the report, and Experian is now again saying that they have solved the problem. 

I don't know what else to do.
Product: Money transfer, virtual currency, or money service

I just want to link my account to the XXXX investment app to help manage finances and save money. The app says the bank has changed rules to not allow my request to be put through and won't let me link the account through the app via XXXX I just would like to authorize it and hope the bank changes it policy or allows my personal consent for it.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found that XXXX XXXXXXXX XXXX XXXX has been reporting inaccurate information to my credit report. By the FCRA 15 U.S.C sec 1681i ( a ) 5 I ask that this item be investigated and removed from my credit report.
Product: Student loan

My identity was stolen at the end of last year. XX/XX/XXXX at XXXX Roughly. I immediately put a Fraud Alert on all three of my Credit Bureaus. However, EDFINANCIAL SERVICES : Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone number ( XXXX ) XXXX Approved XXXX loans in my name on the same date of : XX/XX/XXXX. XXXX student loan in the amount of : {$1100.00} and the other in the amount of : {$2000.00}. ED Financial carelessly approved these loans with the active Fraud Alert in place. ED Financials neglected to call the number I listed on my credit reports in the event that my credit was ever pulled. My number was put on my report by all three credit bureaus in the event that my credit was pulled so that I could either confirm/deny that I was the one applying for credit of any sort. I then called ED Financials. Let them know that my identity was stolen and that I was not the one who applied for the Student Loans. ED Financials requested proof of address ( to show that I had not been living at the address that was submitted to them during the application process ) and the police report. Both documents were provided accordingly. Even with the overwhelming proof of documentation, my dispute was denied. I then resubmitted the dispute because of the substantial evidence I have proving that I was not the one who had applied for the Student loans. Its been about three months and now I am unable to get a hold of anyone who is capable of assisting me. Ive put in XXXX request for calls back and have yet to receive them. Ive waited in their call queue only to be told the representative is unable to assist me. Ive requested to speak with a supervisor and was told that was not possible. Ive now had to hire an attorney to fight on my behalf because as of today I have yet to receive a response form ED Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX Balance : {$750.00} XXXX XXXX  XXXX Balance : {$810.00} XXXX  XXXX Balance : $ XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

The 3 major CRAs are violating CONSUMER CREDIT LAWS by reporting inaccurate information amongst them : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The attached reports reveal the inaccuracy and deprivation of my right to accurate reporting. These inaccuracies have been circled in RED. Take Notice.

This is Defamation in the Libel. Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. 

The FCRA provides people multiple ways to dispute inaccurate information on their credit reports. Commonly, people dispute the accuracy of information on their credit reports with a credit reporting company, such as Experian, XXXX, or XXXX. In response, the credit reporting company often refers the dispute to the company that provided the disputed information. When a person submits a dispute to a credit reporting company, and it is passed along to the company that originally provided the disputed information, the company is then required to conduct its own investigation into the disputed information.
Product: Credit card or prepaid card

I have for the past couple of years tried to get a higher credit line on my marvel  mastercard to barely no avail. Syncb increased my limit by {$1000.00} in the past 2 years, even though my income and my credit score have been rising according to there own system. I rarely use the card any longer so to its artificially low credit score. I have tried to escalate on multiple occasions, yet the managers are not even empowered to be able to overturn decisions that do not make sense. I have been a long term syncb client, and have substantial lines with them on other cards ( which I have offered to cut/close if nessessary in order to qualify on the card that I would like to use which is the marvel MasterCard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that XXXX has removed my XXXX  XXXX bankruptcy from my report. The bankruptcy was filed on XX/XX/XXXX. Transunions website states it will remain on my file for up to 10 years. This is a federal Bankruptcy so I would think the credit bureaus would be required to be consistent in reporting information. They told me it will remain in my report until XX/XX/XXXX. I have excellent credit since the bankruptcy so one would think they would take this into consideration when saying it will be on the report for up to ten years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one auto finance continues to report inaccurate information on my credit report. The date of last payment is listed as XX/XX/XXXX on both XXXX and XXXX  reports on my XXXX  report it reflects the correct date of XX/XX/XXXX. I believe this was done to re-age my account! I have disputed this through the CB several times.
Product: Credit reporting or other personal consumer reports

Equifax Credit Report Agency Reporting a collection, XXXX XXXX XXXX XXXX, a third party collection agency, for XXXX XXXX XXXX. This collection was deleted from Equifax XXXX XX/XX/year> From MyFico credit score company. 

MyFico Score alerted me XX/XX/year> that it is being reported again after it was deleted. 
The amount of debt {$210.00} XXXX. This Debt they are reporting dates back 7 years or older. This is a fraud.
Product: Checking or savings account

I have not been able to access my online accounts for over 11 days now. I can not see any transactions, account balances or any other information through online banking. Additionally, I can not see or make any payments towards my credit card through this bank. VyStar has provided no timeline as to when I can expect to access my accounts again.