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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXXDate of inquiry XX/XX/XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want this item deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. I have attached an FTC identity theft report as well as multiple letters that were sent explaining the laws that they had violated by not blocking, removing, & reinserting these accounts. Please help me delete this illegal account from my credit report
Product: Student loan

XXXX has claimed on two separate occasions that their turn around for loan verification is 3-7 business days. After 4 calls and now a month of waiting, I still have not received my loan verification form for my employer. I need it because my employer, as part of my employment, pays for part of my monthly payments. They only pay for the months going forward after the paperwork is finished, therefore I am paying out of pocket for loan payments that my employer would have picked up had the paperwork been returned on a normal schedule.
Product: Credit card or prepaid card

I maintain credit with American Express and pay my bill with them. I recently started a new business that I boot strapped and this resulted in multiple credit accounts being utilized ( it's why I have and build credit ).

One of my accounts with American Express reached about 75 % of the accounts credit limit. I received a threatening letter from American Express that if I didn't pay an extra {$1600.00} in 3 days they were going to review my account and possibly reduce my credit. 

I have maintained all required contractual obligations with American Express and I stated clearly to them that if you reduce my credit for any reason other than default, or multiple late payments that they are in breach of our contract. 

I will state again : My account is not delinquent. 
My account has not been delinquent. 
I have paid on time. 
I have paid all interest accrued on this account. 
No where in my contract does it state I have to maintain an amount below a threshold or have my credit reduced. 

Credit reduction will have an unnecessary impact on my credit and I will seek damages from American Express.
Product: Credit card or prepaid card

Never received a bill and they closed my account and they took points off my credit
Product: Credit card

XX/XX/XXXX XXXX XXXX XX/XX/XXXX returned XXXX bal of XXXX XX/XX/XXXX Paid successfully on their website XXXX paid in full. 
then in XXXX the rejected the payment after they charged me {$30.00} in late fees. they said they do not take savings information, which they did successfully. It is not a savings accout XXXX there was no problem on the website, this was a way for them to get {$30.00} more from me. I complained, they said they wouild only charge me {$15.00}. which is crap.this is either thier poor programming or they do this on purpose. I Paid AGAIN XXXX which included XXXX interest i should not have paid. no they are charging me {$40.00} of Late fees which is now twice as much as I originally bought. They purposefully did not take my payment and tricked me, letting me know it was paid in full then saying they would not take. The are now saying i owe them XXXX which is the amount of all thier late fees, on items I already paid. 
poor poor business practices
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Debt collection

I am writing to report an identity theft incident and request assistance in addressing fraudulent accounts that have been wrongly added to my credit report. I recently discovered that my personal information has been compromised and used without my authorization to open credit accounts. I am taking immediate action to rectify this situation and request your help in resolving these issues. 

Below are the details of the fraudulent accounts : XXXX XXXX I believe that these accounts are a result of identity theft, as I have never applied for or authorized these credit accounts. To address this matter and protect my creditworthiness, I kindly request to take actions. I understand the importance of acting swiftly to rectify this situation and protect my financial reputation. I kindly request that you acknowledge receipt of this letter and provide a timeline for when I can expect updates regarding the progress of your investigation. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving these fraudulent accounts as soon as possible. Thank you for your cooperation and support in this challenging situation.
Product: Prepaid card

We have XXXX {$500.00} AMEX all-purpose gift cards ( total {$2500.00} ) as a gift [ please note, only XXXX card 's info has been entered into the card section for this complaint, we are happy to provide the details of the other XXXX ]. Attempted to make online purchases at a number of vendors ( XXXX, XXXX, XXXX ), as well as with app-based grocery ordering ( XXXX ) XXXX All vendors were unable to process, or declined transactions. We attempted to make payments through XXXX and XXXX XXXX, but were unable to do so. We tried doing 20 % less payments than the balance ( i.e. {$400.00} or less purchase ) as suggested on their website, but this did not work. Website claims this can be used anywhere, which is clearly untrue. Called customer service, they could not provide any solutions except wait and check the balance. Online research reveals other customers with similar issues with AMEX gift cards. Have spent XXXX hours trying to just spend the cards, with no success.
Product: Credit reporting

My name is being smelled out incorrect on my credit report several times. XXXX XXXX is billing me for medical bills and they where paid by my insurance and they are on my credit report and the credit reporting company will not remove them and also the doctor they are billing for had my insurance information on file and still billing and placed the bill in collections instead of billing my insurance company whom i spoke to and they informed me the company never billed them.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of late payments from my credit report, which were inaccurately reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Comenity Bank/Torrid . These late payments have adversely affected my credit score and financial standing. Pursuant to the Fair Credit Reporting Act ( FCRA ), I believe that these entries violate my rights under the statute, specifically under 15 USC 1681 Section 602, which ensures my right to privacy.

Furthermore, under 15 USC 1681 Section 604 A, Section 2, it is explicitly stated that a Consumer Reporting Agency ( CRA ) can not furnish information regarding my account without my explicit written instructions. I have not provided such instructions to [ Credit Reporting Agency Name ], and therefore, the inclusion of these late payments in my credit report is a violation of this provision.

Moreover, according to 15 USC 1666B, a creditor is prohibited from treating a payment on a credit card account under an open and consumer credit plan as late for any purpose. I assert that the late payments in question were made within the appropriate timeframe as stipulated by this statute and should not have been reported as such. 

I kindly request that XXXX, XXXX, and XXXX promptly investigate this matter and take the necessary steps to remove these inaccurate late payments from my credit report. I also request that you provide me with a written explanation of the actions taken to rectify this issue. 

Please consider this letter as a formal dispute under the FCRA, and I expect a timely response in accordance with the law. I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Credit card

I have had an on going problem with Wells Fargo Bank Credit Card Division regarding Payments. My payments are due on the XXXX of each month. Most months I pay my payments weeks early, due to budget issues. My XXXX payment was made on the XXXX of XXXX. At the XXXX of XXXX I received some inheritance money and made some extra payments to the account. on XXXX I paid {$2000.00}. On XXXX my credit card bill posted online and I paid the {$290.00} plus an additional {$250.00} for a total of XXXX. They posted the XXXX payment to XXXX rather than XXXX and charged me a late fee. they removed the late fee but have refused to adjust the account. I went into the bank and had a banker talk to the credit card office twice and have a third appoint for XXXX. My last appointment only brought frustration for me and the banker. The bankers agree that I am right and that my account should be adjusted. The credit card division has been nothing but rude and condescending.They keep saying that they no long correct their accounting errors. I had this same problem in XXXX and XXXX. I turned it over to the Consumer Protection people for resolution and they had the credit card division audit my account. they ended up refunding me over {$300.00} in late fees. Since I have made this same complaint twice they will not help me.
Product: Debt collection

I sent verification/validation letter to XXXX and XXXX the week of XX/XX/2017 and after there was no validation of the debt XXXX delete this debt than added it back to my credit report and XXXX  or Allied never sent anything proving this debt
Product: Student loan

I was misinformed for over 3 years by Navient regarding the payment plan I was on. They told me that my payments qualified for Public Interest Loan Forgiveness and recently told me that the payment plan I was in did not count towards that program.
Product: Credit reporting or other personal consumer reports

There are inquiries from your company on my credit report that I never authorized
Product: Payday loan, title loan, or personal loan

I was a victim of Identity Theft in XX/XX/2021 with XXXXl accounts from multiple banks being opened in my name. I immediately reported it and started tracking my credit report and the fraudulent accounts to shut them down. UpstartXXXX opened an online account and made a fraudulent loan in my name with no effort to verify or protect my identity. I never opened this loan and I certainly did not accept the terms and conditions of said personal loan. They use no ID verification service, they requested no photo ID or other method of verification. Because they are online only, they never sent a copy of the loan by mail - that would have alerted me to the fraud. I didn't learn about it until 3 months later when I got a notice of default on the loan ( by mail, so perhaps they do send things to consumers ). Now I want to refute my liability for the loan that I never applied for and never received the funds, and it is difficult. Upstart 's ability and support in this area is lacking. They don't call you back and have not been helpful. I did recently receive a package with the loan details from them, but now they want my photo id, police report and FTC file - all which I have but it's infuriating that the burden is on the consumer to fix their broken process for making a fraudulent loan. Maybe they could have asked for photo ID when the fraudster opened the account? ... or made any effort to verify the identification? In addition, there are accounts attached to this loan that I don't recognize, but Upstart tells me that I need a subpoena to get that information. ( I need that information to likely shut down those accounts that were also opened in my name/SSN without my knowledge. ) How can an institution give a sizable loan without confirming the identification of the person applying? Where are the protections for consumers? Identity theft and data breaches are massive problems and Upstart doesn't seem to have the procedures in place to verify borrow identity and protect consumers. Furthermore, the lack the process in adequately supporting consumers when fraud does occur. 

Lastly, XXXX ( who is the actual creditor ) has a relationship with Upstart for their 3rd party personal loan processing and they have been absolutely horrendous to deal with. No identify/theft support at all. " Security '' people don't actually talk to customers and they made the loan ( through Upstart ) but have zero support to assist in the fraud investigation. The documents I received say Upstart/XXXX on company letterhead, but they have no process in place for fraud support and can't even look up the loan ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

XXXX still has XXXX different listings for XXXX credit card account on my credit report. If XXXX was brought there is not supposed to have the original and a new debt listed illegally with a different amount. Also the amount is different when there is no way that I owe a different amount from XXXX credit card that was actually closed by the time of listing. I closed the account on my own which is XXXX listing. And the other says that is was closed for a higher amount of money with a derogatory label listed as well. I am having a hard time getting information and receiving action from XXXX with their reporting for my credit report in general. So I would I appreciate your assistance in this matter and I would like the duplicate removed and checked on all XXXX of the credit reporting agencies as well.
Product: Checking or savings account

TD Bank Vice President XXXX XXXX in XXXX XXXX, FL told Me that because his " personal contact '' no longer works for XXXX  XXXX XXXX he could not help us with a check that they put on a 6 Day hold without warning, he also told us that Its been " Years since he had seen a check that looked like that at TD '' ( Come to find he has worked there for just 10 months )- and that " XXXX doesn't verify checks over the phone '' I informed my Father in Law who wrote the check and he called XXXX, they advised us that this had already processed and that they DO verify Checks for TD Bank all of the time. 

Every other Bank I have used notifies you before depositing that there is going to be a long hold with a warning, even at the ATM. We would have simply cashed the check at XXXX had we been informed. After returning home 5 minutes later, I e-mailed XXXX XXXX providing the number that XXXX supplied and He has yet to respond. 

TD Bank obviously wouldn't base Corporate Policy on whether XXXX XXXX XXXX  " Personal Contact '' still works for another Bank, he clearly didn't want to help me. In addition my husband ran the scenario by a banker at another branch and they said " Of course XXXX verifies checks over the phone '' We are a family of XXXX, My husband needs his Medication and I already have had to cancel a Dr appointment because XXXX XXXX XXXX  personal acquaintance no longer works for another bank when he could have found the number online to verify checks at XXXX and resolved this with 5 minutes of his time, very sad.
Product: Checking or savings account

Excessive overdraft fees which caused a domino effect. 
There was {$150.00} available in my account. Three transactions came processed for ( {$100.00}, {$50.00}, and {$130.00} ) on the same day, Instead of processing the transactions for least to greatest ( {$50.00}, {$100.00}, {$130.00} ) which would have only resulted in ONE overdraft fee, the account was debited from greatest to least ( {$130.00}, {$100.00}, {$50.00} ) resulting in THREE overdraft fees that day and additional fees as a result of the overdrawn account totaling 5 fees.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach that has resulted in unauthorized accounts and inquiries appearing on my credit file. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that all accounts listed below be blocked and deleted from my credit report : Fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

vI recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Product: Credit reporting or other personal consumer reports

The 2 late payments on XX/XX/XXXX  and XX/XX/XXXX  are inaccurate and I would like to see the documentation other wise it needs to be permanently removed from my credit report and updated to paid on time never late.
Product: Debt collection

I have had XXXX phone calls from Paragon Revenue XXXX for a lady named XXXX. I have told them I have no clue who she is and told them to delete my number. I have been hung up on three times. They would not allow me to talk to a manager. I understand that this is a high stress job but am disgusted that this company is being represented by very rude employees. I want them to stop calling.
Product: Money transfer, virtual currency, or money service

My Bluebird American Express account has been hacked and {$450.00} was stolen from me in an unauthorized money transfer. 
On XX/XX/18 at XXXX I received my paycheck via direct deposit on my Bluebrd American Express card. 
At XXXX XXXX XXXX requested {$450.00} from me. The email stated that I log into my Bluebird account to respond to this request. 
At XXXX ( less than a minute later ) a second email came, confirming that I sent {$450.00} to XXXX XXXX abd that the funds have been deducted from my account. 
I work for the XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX. At the time of the deposit and subsequent transactions, I was with a client in my office and knew nothing of the deposit or transfer, until my money was already gone. 
I immediately called Bluebird, to file a fraud charge. At XXXX after getting off the phone with the representative and updating my password and ordering a new card, I received an email, confirming the changes. 
On XX/XX/18 my dispute was denied. Stating no error occured and the transaction in question was authorized. Therefore my account is not eligible for the {$450.00} to be credited back to my account. 
I then immediately on receipt of that email, again called Bluebird American Express and filed another fraud dispute AND then went to the XXXX County TN Sheriff 's Department and filed a police report. 
I want to state for the record, that I DO NOT know XXXX XXXX AND that I did not authorize this transaction. The {$450.00} was my entire paycheck and it was my mortgage payment. 
On XX/XX/18 at XXXX, my dispute was again denied with the same reply, that no error occured and that the trasaction was authorized. I called Bluebird American Express to question this decision, telling them that my account had been hacked and the investigations team, should have been able to access IP addresses from MY Bluebird online  activity and the money transfer request and approval and verify that it was NOT my IP address that approved the transaction. 
Then on XX/XX/18 at XXXX my account was suspended, stating that due to a violation my account has been locked and my account privileges have been suspended. 
I have enclosed ALL emails received from Bluebird American Express along with the police report from the XXXX County Sheriff 's Department. 
Having {$450.00} stolen from me, has not only put me behind in my bills, it has caused me tremendous stress and undue emotional pain & suffering. 
Thank you for any and all help in this matter.