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

on or about XXXX XXXX 2017 I received a brochure from XXXX XXXX Master card ( Barclaycard ) Offering me to Upgrade my present XXXX XXXX Master card to a new XXXX XXXX Master card Plus foe an annual fee of {$99.00}. When i called i was told that i did not qualify at this time and to call back in 24 to 48 hours. I called every two days for almost three weeks and was told the same, that i did not qualify. No one could give me a reason why i did not qualify. Frustrated i filled out an application for this new card and a few days later i received the new card. I called Barclaycard to have my balance transfered to my new card and was told i had to pay off this balance of {$1700.00} and would not transfer it to my New XXXX XXXX XXXX. I explained to this manager that i had received a Brochure for an upgrade and was told i did not qualify. My complaint is that if i was able to upgrade all balances would have been transferd with no problem. My FICO is XXXX.My credit is excellent. I still have this brochure with my last four digits printed on it. This is deceptive advertising
Product: Credit reporting or other personal consumer reports

On XX/XX/year>. I sent in my FTC Report, along with my License to XXXX, XXXX, and Experian. I am a victim of identity theft and i have incorrect information reporting on my consumer report. I will proceed with a civil lawsuit also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts and credit inquiries listed on my Trans Union credit report are all fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and still continue to notice that an account that was not reporting accurately. I have late payments showing differently on experian than TransUnion and equifax. Consumer reporting agencies need to report all information with complete accuracy. If this information cannot be verified I demand these payments be updated to paid on time and/or fix the incorrect payment history immediately. Thank you for understanding and prompt action.

Transition reported late payment dates for closed account of 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  reported late payment dates for closed account of XXXX XXXX XXXX XXXX  Id also like to state that on my experian account I read a statement that XXXX  said I made which is also not accurate stating that my late payments were due to unemployment. This is a statement I never made and would like that removed as well please. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section XXXX a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian is a consumer reporting agency, and I am the XXXX. 
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
( Furnisher of information to Credit agencies ) is a financial institution by definition under that title. 15 USC1681 Section XXXX Section XXXX states that " In general Subject to subsection ( c ), any consumer reporting 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Experian never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), no consumer reporting agency XXXX 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 XXXX years. 
" This account is an adverse item they are reporting again without my permission which agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the XXXX to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the XXXX reporting agencies Experian does not have my consent to furnish this information, and they surely do not have my written consent. Any and all consent to Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise, is revoked. 
This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( XXXX ) 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 '' XXXX consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. Experian is not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I have been a credit card holder at bank of america for a while, and I recently applied for joint co-ownership of a travel rewards credit card since XXXX 2015. Every single month when the statement is due my travel rewards account disappears from online account when I sign in. I call them every single month to be able to see it and they assured me this wo n't happen again since XXXX, but they have n't done anything about it. Without being able to see my account online I wo n't be able to pay my payments on time, which I am afraid will affect my credit score. I ca n't even close my account as it will also hit my credit score. So, I am stuck in a quagmire, having to call them persistently every single month, which is hectic and super frustrating. I wish they took serious action towards it and that 's why I decided to complain about the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan depote placed a late payment on my credit report during my forbearance plan I started my forbearance in XXXX  of 2020 and six months plan it would end in XXXX of 2020 After sending a letter of there error stating that I do not half to do anything that they would fix there error and now Im trying to refinance with another mortgage company and they will not do a refinance until the late payment gets taking off my credit report its still there is it against the law to place a late payment on a forbearance
Product: Debt collection

On XX/XX/XXXX I received a letter from Sequoia Financial Services regarding collecting a Judgment that was filed against me in favor of XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$13000.00} + Post Judgment Int. in the amount of {$13000.00} bringing the total Judgment amount of {$27000.00}. The day I received this letter was the first time I have ever been notified about the Judgment. I don't know what this Judgment is for nor have I ever been served a summons to appear in court for any lawsuit filed against me from XXXX XXXX XXXX XXXX. So on XX/XX/XXXX I sent a letter requesting Sequoia Financial Services to provide me with verification of this debt, which they have failed to do. I still haven't received any documents verifying this debt. However on XX/XX/XXXX I received a notice of involuntary XXXX XXXX XXXX of XXXX XXXX Registrar-Recorder/County Clerk 's office, that was filed on XX/XX/XXXX by XXXX XXXX XXXX & XXXX XXXX Which I have no idea who that is.
Product: Credit reporting, credit repair services, or other personal consumer reports

This attached DISPUTE LETTER and ID Theft report serves as my formal complaint to this credit reporting agency, because you are reporting inaccurate credit account information within my credit report. I recently submitted a request for investigation of the below listed accounts, in which you have refused to investigate. I submitted more than enough information for you to conduct your investigation of the below listed accounts. However, your agency has refused to investigate these accounts thoroughly enough the last time that I submitted my disputes to you.
Product: Credit card or prepaid card

I PULLED MY CREDIT REPORT AND FOUND AN OLD CREDIT CARD ACCOUNT THAT I HAD OVERLOOKED AND IT WAS STILL ACTIVE. I DID NOT UPDATE MY INFORMATION WITH THE COMPANY BEFORE I XXXX, SO MY MILITARY STAR CARD STATEMENTS ARE STILL BEING SENT TO A THREE YEAR OLD ADDRESS. THEY SAID THAT THE LAST TRANSACTION THAT I MADE WAS IN IN XXXX OF 2015. ACCORDING TO THE COMPANY, THEY CAN NOT UPDATE THE ADDRESS WITHOUT MY CONSENT, EVEN THOUGH THEY CAN SEE MY UPDATED INFORMATION IN DEERS. I HAVE SUBMITTED MULTIPLE ADDRESS CHANGES THROUGH THE USPS, BUT THE COMPANY CLAIMS THAT THOSE CHANGES ONLY LAST FOR 6 MONTHS. THEY DID NOT SAY THEY HAVE RECEIVED ANY RETURNED MAIL, EVEN THOUGH I HAVE SUBMITTED MULTIPLE ADDRESS CHANGES THROUGH THE USPS SINCE 2015. THEY DID NOT CLOSE OR CHARGE OFF THE ACCOUNT AND IT IS STILL ACCRUING FEES ( LATE FEES, ACH-DECLINE PENALTIES, ETC. ) I CALLED THEM TO ASK FOR STATEMENTS AND TO UPDATE MY ADDRESS. 
I CAN NOT RETRIEVE STATEMENTS ONLINE SINCE I DO NOT HAVE THE CARD NUMBER AND THEY DO NOT KNOW WHEN MY REQUEST TO RECEIVE MAILED STATEMENT COPIES WILL BE PROCESSED. THEY REFUSE TO EMAIL ANY INFORMATION TO ME. THEY ARE WILLING TO GIVE ME THE BALANCE AND ACCEPT PAYMENT BUT I DID NOT WANT TO PAY SOMETHING OFF WITHOUT SEEING A STATEMENT.
Product: Debt collection

XXXX & Experian have used improper, illegal and fraudulent tactics. See attachment.
Product: Mortgage

My mortgage was transferred from XXXX to XXXX/LoanCare, LLC on XX/XX/2019. And when I started making payments to LoanCare, they been mis-handling my payment of $ XXXX/month.

Up-to-today they haven't fix the problem, despite my numerous phone calls and correspondence. They keep saying that I'm short on my payments when in fact I been sending those payments before the first of the month. 
They keep on failing to make the promised corrections when I talked to their representatives. 
I hope that your office would be able to assist me in this regards. 

Thanks XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The XXXX XXXX XXXX Account on my Experian Account was paid in full and needs to be deleted off my credit report I paid XXXX XXXX XXXX XXXX in XX/XX/2020 and it hasnt been removed from my credit file and report after they told me it would
Product: Debt collection

Requested debt validation from Hunter Warfield for an apartment complex that I have never lived in, and the account that was listed in collection in my credit report. The response from the debt collector was a request of a copy of my Social Security Card and Drivers Licence. Since they could not properly validate the debt or even prove they were dealing with the correct person. Sent them a XXXX letter informing them that they did not properly validate the debt per FDCPA and requested they remove the account from my credit report and refused to do so.
Product: Debt collection

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

The fraudulent, inaccurate, and false information appearing on my credit report includes : A personal credit card account opened at XXXX XXXX on XX/XX/XXXX. 
A lease account opened at XXXXXXXX XXXX  on XX/XX/XXXX. 
A lease account opened at XXXX on XXXX on XX/XX/XXXX. 
A lease account opened at XXXXXXXX XXXX on XX/XX/XXXX. 
A lease account opened at XXXX XXXX XXXX on XX/XX/XXXX. 
Additionally, multiple fraudulent hard inquiries and collection accounts have appeared on my consumer credit report as a result of these fraudulent accounts. These accounts, inquiries, and collections were not opened, made, or initiated by me. They are all the result of identity theft and fraud. 

I have attached the following documents to support my claim : A copy of my consumer credit report maintained by TransUnion showing the fraudulent items. 
A list of the fraudulent hard inquiries in question. 
A copy of an FTC Identity Theft Criminal Complaint confirming that these accounts, collections, and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( Demand for Relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this complaint from my consumer credit file within four business days of receiving this complaint. I also request that all collection activities related to these fraudulent items cease immediately.

Please provide written confirmation regarding the resolution of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft in the bureaus aren't doing anything about it .... i been sending notices letting them no they are not responding, violation under the FCRA ITS MUST BE REMOVED.
Product: Checking or savings account

PayPal is refusing to close my open accounts. I have this odd feeling that we me being homeless that certain accounts that I lost access to as a result of my telephone number with XXXX  not being able to be recovered or ported resulted in my inability to recover these accounts due to XXXX. 

All attempts to engage corporate to close any accounts in my name have been met with shenanigans as well as acts of avoiding contact. They fail to establish a good time to reach me and instead engage in acts that mirror someone doing the least amount of work to contact me while leaving my accounts in play. 

I want all accounts in my name closed. They are requiring an excessive amount of information in order to close the account and are in my opinion abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS VICTIM OF IDENTITY THEFT AS A RESULT OF THAT ACCOUNTS WERE OPEN UNDER MY NAME THAT ARE NOT MINE AS FOLLOW DISCOVER FINANCIAL SERVICES # XXXX ....
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated. 


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 XXXX 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 XXXX  days before the payment due date. 


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

I have requested proof that this information was mailed or delivered XXXX  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! 


Update the late payments from my consumer reports
Product: Checking or savings account

They took money from a transaction that I never did and didnt give my money back from an ATM withdrawal that did not dispense and Im am never going through Chime again!!
Product: Checking or savings account

XX/XX/2019 overdraft fee charged twice {$35.00} each totaled to {$70.00} I was only refunded {$35.00} XX/XX/2019 overdraft fee charge three times {$35.00} each totaled {$100.00} I was refunded none due to being refunded previous months. 

I have expressed to Bank of America that I never receive email notifications or notification on my phone of my account falling below a certain amount and needing to bring it back to a positive amount in sufficient amount of time. I told them if my bank account is positive when I check it XXXX PST then by morning Im hit with many overdraft fees because I am sleeping then there is not much I can do to prevent it. To my knowledge if my account is positive XXXX EST then I should be fine is money is taken out and I have until XXXX EST the next day to make the account positive but it seems as if there system does not communicate clearly.
Product: Checking or savings account

I am writing to Formally follow a complaint Regard a multiple over draft fees Apply to my account These fees were assessed Despite having Sufficient funds available At the time transactions were Authorized Due to delay posting of charges and credits I was unfairly charged with overdraft fees. This insured pair consistently. With recent findings by the CFPB Which identified similar practices by Suncoast credit Union. I believe these practices are unfair.
Product: Credit card

After contacting State Farm Bank requesting information on an alleged account that appeared on my credit report, i requested a copy of any sign contract or application of credit and they refuse to provide me with anything and refuse to remove it from my credit report even after they can not verify that it pertains to me.
Product: Mortgage

Nationstar Mortgage is currently engaging in dual tracking and their foreclosure law firm XXXX XXXX, XXXX is attempting to foreclose using a robo-signed Assignment of Mortgage. I have provided XXXX XXXX, XXXX and Nationstar Mortgage with the evidence of fraud. The Assignment of Mortgage in this action was executed on XXXX XXXX, 2013 and recorded/filed on XXXX XXXX, 2013 was robo-signed by serial robo-signers XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened under an open ended credit plan and according to the fair credit reporting act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. On my consumer report there are XXXXhree late payments listed, which is inaccurate and false because this account can not be late. Additionally, it contains a finance charge, which is the sum of ALL charges and that finance charge was paid with my credit card ( social security number ) upon their request for needing my credit card ( social security number ) to open the account, initially. Therefore, this account was paid in full and shall not contain a balance nor any late payments whatsoever.
Product: Student loan

XX/XX/XXXX XXXX XXXX has refused to furnish the documents I need the loan servicer to provide me with the signatures that are proving to me that I signed each loan. I don't want a photo copy of any other document other than the actual signatures signed by me for each loan amount for each check they cashed by the school. I want to see now the proof that I signed for each amount and I want proof that I was advised these amounts were being used for the school. I want a full ledger of the account and a copy all disbursements that were physically cashed by me. I want all the records this sent to my current address. from all dates that I was ever enrolled with XX/XX/XXXX XXXX XXXX. I want these records and if all these records can not be provided I demand relief and removal from my credit report, reporting to the credit bureaus must cease. And if University
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for not responding to my dispute letter sent via XXXX  Certified Mail, tracking # XXXX on XX/XX/year>. In this letter, I requested an investigation into inaccuracies on my credit report and corrections to incorrect personal information. According to XXXX tracking, Experian received the letter on XX/XX/year>. 
Despite the clear evidence of delivery and the specific nature of my dispute, Experian has failed to provide any updates or resolution and more than 30 days have elapsed. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Experian 's failure to do so is a direct violation of my consumer rights. I am including a copy of my dispute letter sent to Experian and XXXX certified mail proof of delivery as evidence to support my claim.
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 trafficking. 
ACCOUNTS : 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 XXXXXX/XX/XXXX