23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had fraudulant charges on a bank of america credit card I had. I have disputed this numerous times with all 3 credit reporting agency 's. XXXX has finally received confirmation from bank of america to delete this account off my credit report and remove it. However XXXX and XXXX are still reporting it. All they are doing is sending me copies of my credit report stating the account has been updated and verified as mine. I contact corporate office for bank of america and it has been determined that these charges were fraudulant and I would not be liable. I was told to re-dispute and bank of america will respond to delete off my reports. Like I mentioned earlier XXXX has deleted it off my report but for some reason bank of america will not send the same information to XXXX and XXXX to remove off my report. I do not understand this as the response should be the same for all 3 credit reporting agency 's. I contacted free legal advise and was told that if bank of america has deleted this account off the report after my dispute the response should be the same for XXXX and XXXX. I have been dealing with this for months now and having this on my credit reports is affecting my credit score. I am being penalized for charges I did not do. To top this off I thought my balance last year was at zero I had no idea my card was being used fraudualntly.
Product: Credit reporting or other personal consumer reports

-- - [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXX ] [ Date : XX/XX/XXXX ] TransUnion LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX **Subject : Formal Complaint Regarding Mishandling of My Credit File** To Whom It May Concern, I am writing to formally file a complaint regarding the willful and malicious mishandling of my credit file, which has resulted in a detrimental loss of XXXX points on my credit score. This significant decline can be directly attributed to TransUnions failure to report my credit accounts accurately and in a timely manner, specifically pertaining to my account with XXXX. 

XXXX has reported three months of on-time payments to TransUnion, as well as to the other major credit bureaus : XXXX and XXXX. I have received consistent correspondence from XXXX confirming my good standing, which can be corroborated through my credit files with XXXX and XXXX. Despite my repeated attempts to relay this information to TransUnion, the inaccuracies in my credit file persist, leaving me with no resolution. 

The willful non-compliance in reporting the XXXX tradeline in a timely manner has resulted in the combined reporting of my credit account months after the actual payments were made. This egregious delay not only undermines my creditworthiness but directly impacts my financial opportunities, as my credit score has not had the chance to recover from prior infringements that TransUnion has perpetuated. 

Given the circumstances, I feel that this situation warrants immediate attention and corrective action. I respectfully request that TransUnion take the following actions : 1. Promptly investigate the inaccurate reporting and update my credit file to reflect the correct, timely payments made to XXXX. 
2. Issue a re-evaluation of my credit score considering the corrected information to reflect my true creditworthiness.

3. Provide a detailed explanation of why these inaccuracies occurred and the steps TransUnion will take to prevent this issue in the future. 

I trust that TransUnion will take my concerns seriously and respond promptly to this matter. Please consider this letter as a pre-arbitration notice regarding the mishandling of my credit information and the ensuing harm to my financial standing. Should there be no satisfactory response or resolution within the next 30 days, I will have no choice but to pursue further legal action. 

Thank you for your attention to this serious matter. I look forward to your swift response. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

TRANSUNION, XXXX, AND XXXX KEEPS REPORTING INACCURATE INFORMATION. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX Account name : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I obtained Paypal Credit for the sole purpose of purchasing a relatively expensive event ticket. When I went to complete the purchase, I chose Paypal Credit as my method of payment. The amount of credit Paypal extended to me did not cover the entire transaction. My assumption was it would use all the credit extended to me, and then apply the remaining balance to my bank account. When I spoke to Paypal about the erroneous transaction, they explained i should have been given a chance to review the transaction, and which funds would be used before proceeding forward. I was not given that opportunity. Instead, Paypal used none of the Paypal credit, which again, i chose as the means to pay the transaction, and used my debit card ( i.e. my bank account ) for the entire transaction, moving my checking account balance to a negative {$300.00}, and incurring overdraft charges. When I asked if they would please reverse the transaction, and apply it correctly, they repeatedly refused until I gave up. I am happy to pay for the event, but I wanted to do it in interest-free installments over a 6-month period. Instead, I got a negative checking account balance, and overdraft charges. If I wasn't given the opportunity to review the transaction details, they should not be allowed to arbitrarily remove money from my checking account and then state " sorry, we can't, and won't fix this ''???
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in reference to a tax lien that is reporting on my Transunion credit report as XXXX XXXX. This lien has been satisfied and released since XXXX and I have filed numerous investigations in efforts to having this public record removed ; however, Transunion is not cooperating even after a new law stating that they must be removed from the report as of XXXX XXXX, XXXX.
Product: Prepaid card

On XXXX XXXX and XXXX over XXXX fraudulent transactions totaling {$2100.00} posted to my American Express serve card. I reported the transactions to American Express immediately on XXXX XXXX. I submitted a claim and my card was closed down immediately. I filed a police report in XXXX on XXXX XXXX. American Express denied my claim, however there investigation was in completed and came to the wrong conclusion. They only investigated XXXX of the XXXX claims and reviewed XXXX transaction that I reported as nonFraudulent. They also did not consider the police investigation which is currently investigating the crime of id theft and grand larceny ongoing at XXXX police department ( XXXX preicident, case no. XXXX ). Furthmore American Express failed to consider that these transactions occurred in a different cityThan where I live and XXXX transactions at the same time at a gas station. Additional I was traveling in XXXX when these transactions occurred and could n't made these purchases. In summary American Express failed to investigate stolen money from my account and did n't investigate all the transactions or the correct transactions. They did not work with police investigating the crime and not supporting the police investigation. I would like my claim investigated and my stolen money returned and for American Express to work with police and examine the facts of the case
Product: Credit reporting, credit repair services, or other personal consumer reports

These Accounts don't belong to me. Account XXXX XXXX  # XXXX, Account XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, Account XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX XXXX  # XXXX, Account XXXX  XXXX XXXX Bank XXXX, Account XXXXXXXX XXXX XXXX  XXXX and Account XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/scrub>XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Review of Experian 's Practices Dear Consumer Financial Protection Bureau , I am writing to formally raise my concerns regarding what I believe to be unethical practices by Experian, one of the major credit reporting agencies. I have been a consumer affected by these practices. 

On XXXX  I paid my credit card balance in full, as reflected in my statement from XXXX, which indicated that I had until XX/XX/XXXX to make the payment. Despite this, I noticed that my XXXX XXXX was adversely affected, with a deduction of XXXX points reported by Experian shortly after I fulfilled my payment obligation. 

This situation has caused me significant distress and financial implications, as it appears that my responsible credit behavior has been misrepresented. I believe that such practices undermine the integrity of credit reporting and can lead to unjust penalties for consumers like myself. 

I urge the CFPB to investigate these practices by Experian to ensure that consumers are treated fairly and that their credit reports accurately reflect their creditworthiness. I am concerned that similar situations may affect other consumers who are trying to manage their credit responsibly. 

Please feel free to contact me at [ your phone number ] or [ your email address ] for any further information or clarification regarding my case. I appreciate your attention to this matter and look forward to your response. 

Thank you for your consideration. 

Sincerely, CFBP HERE IS THE PHONE NUMBER TO XXXX XXXX EXPERIAN STILL HAS NOT MODIFIED OR CORRECTED MY XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've started an investigation with Chrysler capital, did everything they ask even hired a lawyer to help me in this process. I don't won't to sue due to that cost more but I will if necessary this is my last attempt to make this right. 

I am XXXX XXXX I never had any connection with Chrysler capital I am victim of identity theft. 

I started the fraud investigation with you all but you guys stated it was no fraud found when I submitted signatures and it was notarized. 

My lawyer spoke to your team over XXXX times and you guys just keep pushing it backs Please help me this isn't my account.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make 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 or delivered to the consumer not later than 21 days before the payment due date. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Mortgage

We began the buying process about two months ago with Movement Mortgage. We applied for an FHA XXXX loan originally, but switched to the FHA because we would n't close on time according to the lender. Our original closing date was XXXX XXXX, the lender called and told us we would not be closing on the XXXX that we would close on the XXXX of XXXX and sign the amendment at closing. The lender told us and the seller that we had everything we needed to close, and that we would definitely close on the XXXX. When closing time came around someone ended up dropping the ball and needed additional information to close. The additional information was everything they had already received from us. We are getting a heck of a deal on a home, and this has caused us to be in a bind. The seller is coming close to pulling out because of other commitments and obligations. This company had ample time to request documentation, we continuously stayed in communication with the lender and followed up with request. this is very unacceptable to not have thoroughly reviewed our submitted documentation. There is no excuse!
Product: Credit reporting or other personal consumer reports

Multiple times from XXXX to XXXX Ive disputed XXXX XXXX for their constant reporting on my credit report of late payments when it is a closed account which goes against Fair Credit Reporting. A closed account can not be late or continue to report on my credit as a late account for four years resulting in multiple credit denials. Most recently Ive written EQUIFAX and XXXX asking them for validation of debt as well as proof of investigation and the means in which they affirm that the late reporting of a closed account is within Fair Credit Reporting practices. All of which times both companies ignored my request and sent me notice of an updated resolution that was exactly the same as before the dispute.
Product: Mortgage

I HAD MY HOUSE SOLD TO A MARRIED COUPLE WHO QUALIFIED TO BUY MY HOUSE IN XXXX XXXX, NEVADA. THINGS WERE GOING SMOOTH UNTIL MY BUYER TRIED TO QUALIFY TO ASSUME THE SOLAR PANEL LOAN. NEVADA IS A COMMUNITY PROPERTY STATE BUT DIVIDEND FINANCE WOULD NOT ALLOW THEM TO USE BOTH THEIR INCOME. DIVIDEND FINANCE CLAIMED ONLY ONE PERSON CAN APPLY FOR THE TRANSFER AND CAN ONLY USE THEIR INCOME, COULD NOT INCLUDE SPOUSE 'S INCOME. WELL THIS KILLED THE SALE OF MY HOUSE AND IT IS BACK ON THE MARKET. WHEN I ASKED DIVIDEND FINANCE TO INFORM ME OF THE CRITERIA TO ASSUME TO LOAN TO PREVENT FURTHER FAILURE, THEY REFUSED TO TELL ME. 
FURTHERMORE THIS COMPANY IS CLAIMING MY TAX CREDIT OF ROUGHLY {$11000.00} DOLLARS FOR THEMSELVES AND I OWE THAT TO THEM IF I SELL MY HOUSE. I WAS USING THIS AS A TAX DEDUCTION FOR 2022, BUT DIVIDEND SAYS IT IS THEIRS AND IT IS IN THE CONTRACT IF I SELL THE HOUSE. YES IT IS IN THE CONTRACT. I ASKED THEM TO EXPLAIN WHY THIS MONEY IS THEIRS, ALL THEY REPEATED OVER AND OVER WAS, 'IT IS IN THE CONTRACT '. I WANTED SOME SORT OF EXPLANATION BUT AGAIN WAS REFUSED. 

THIS IS IN REFERENCE TO A COMPANY CALLED DIVIDEND FINANCE PHONE XXXX XXXX XXXX ASK FOR SOLAR LOAN TRANSFER XXXX WAS THE PERSON WHO COULD NOT HELP ME I CAN'T AFFORD FOR THE SALE OF MY HOME TO FALL THROUGH AGAIN BECAUSE OF THIS COMPANY. I NEED TO KNOW WHAT THEIR CRITERIA IS TO ASSUME THE LOAN WHICH THEY REFUSE TO GIVE ME
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 portfolio recovery associates LLC sent me another letter attempting to collect a debt on an account that has not been verified. I have made multiple requests asking for PRA to validate this debt. The have not provided me with anything with my signature or any proof of validation that I own them anything. My rights are being violated.
Product: Checking or savings account

My identity was stolen and used by others to apply for a credit card and a bank card. Now I am stolen in TD Bank. I suspect that I am being used by others to conduct money laundering activities. However, td Bank thinks that I am not my own. I have to complain to the Federal CounciXXXX that these banks are not enough. Protect the personal information of consumers and cause serious damage to the victims!
Product: Debt collection

Bank of America claims they will no longer respond to and corespondents reguarding this account issue, by law they are required to respond accordingly or they are guilty in aiding the identity thief that opened this account, and technically you have been aiding this thief. First, I was represented by XXXX XXXX XXXX who practices in XXXX. Second, Bank of America knowingly provided a false address reguarding myself and that is against the law. Third, Bank of America claims they filled a XXXX, not only is it against the law to file a XXXX for an account that was a result of identity theft but there is a court case that has said that it is not right to force someone to pay taxes on miscellaneous income and expect them to pay you back, and you are actively trying to collect this by holding my credit hostage with this fradulent account. Lastly, I have received information from Bank of America directly that shows that an account attached to this one has my wife 's maiden name on it over a year after we were legally married and her name was changed on every account she had, I must say that it was a nice try sending the records up until our marriage month but thanks to your associates, I was able to get the records for a year after that. I will easily bring a written statement from XXXX XXXX stating that he represented me in the XXXX case and where he is located as well as the account records that show the wrong name on this account. I also want all the recordings from XX/XX/XXXX where I called Bank of America, if they are brave enough to send all of them, there is proof that they have said so many lies and then changed all the account information to fit their story, like how I was told that an account was closed in XX/XX/XXXX with a name that changed 2 years prior, that they also had a lawyer on this account that I have never met or talked too, an address I have never heard of, and with all these errors Bank of America still refuses to remove this account. I am done sending you documents, I am done being nice. I will present all this to a judge and will cheer when he rules in my favor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX  has continuously and falsely verified this alleged account. Experian, XXXX  and XXXX  have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board. 

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt.

Also the debt collector ( synerprise ) is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX
Product: Checking or savings account

On the XXXX I was making a purchase from XXXX website for {$450.00} and after two transactions hit my bank for {$510.00} and {$540.00}. Called Bank of America right away and they reverse it. While the funds were not applied to the available balance, according to BOA it would take 24 hours. I waited 24 hours called back and was told that the money had been reversed already and but theres was major discrepancy. Fraud department agent put me on hold for 15 mins. And came back and told me that it was reversed. But that we should wait another 24 hours that the last agent should of given it more time just in case but typically thats how long it takes. That was yesterday. Today I woke up checked my bank and theres was nothing showing these transaction, had even occurred. Everything was erased. Reversals and the charges. Thanks XXXX I took pictures and documented everything from the beginning! This is very bad. My own bank is stealing from me!! and this is not the first time they do this to me!! Money disappeared from The account {$1000.00} gone from the account. I went to the bank and the banker was looking at me crazy and even smile and laughed at me with the agent on the phone which was the fraud department as well, and lastly told me that theres was no case to open because they had already credited the account. Completely ridiculous. I took all my money out off all account. NOTE ** this was all on my business account! BOA IS SAYING THAT THEY CREDITED MY ACCOUNT ALREADY, thats should be in there recorded calls I am sueing and posting every where what your Financial institution is doing.
Product: Credit reporting or other personal consumer reports

I requested XXXX XXXX  to validate the debt. They did not provide any of the required information
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report showing XXXX  and no credit profile blank.
Product: Debt collection

There apparently was a rental debt from over a year ago, I told them that I was not the one who applied for the apartment and they didnt listen. My daughter clarified that the debt was for a refundable fee from the apartment and that she had emails that it should have been cleared. He didn't listen to her and forced her to pay anyway and stated The person who told you that probably doesnt work there anymore anyway. He gaslit her and said he was in the process of moving and thats not how this works. Overall, very disrespectful.