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

I am trying to remove the extended Fraud Alert From TransUnion three times by sending them a letter to remove it with my ID and proof of address. They are not removing it
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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

Is reporting a late for XXXX account # ending in XXXX for XX/XX/XXXX Kindly remove this late as I had 30 day window to pay this bill from the due date of XX/XX/XXXX. Payment had to be received within the 30 day window from that date and was. 
Payment was made on XX/XX/XXXX only 24 days after bill date. All in accordance with FDCPA. 
Attached are bills and payments for this account. 
After this complaint XXXX and XXXX, XXXX, XXXX have updated a late to XX/XX/XXXX.
But in XX/XX/XXXX payments were on time. 
Thank you, XXXX XXXX S.S. # XXXX D.O.B. XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Act. number XXXX Open XX/XX/XXXX amount {$580.00}, XXXX XXXX  ( XXXX XXXX  XXXX XXXX  ) account number XXXX XX/XX/XXXX {$380.00}, XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ) Act. Number XXXX XX/XX/XXXX {$810.00}, and Springoakcap ( XXXX XXXX XXXX XXXX XXXX ) Act. number XXXX XX/XX/XXXX $ XXXXThey could not provide me with the original contract. I asked them for the purchase agreement of the debt and XXXX with the original creditor, verification of the last payment missed. They could not provide me with any information, and nothing had my signature on it, they could not validate the debt. Codes 15 USC 1692g and 15 USC 1681c-2.
Product: Credit card

Care Credit is operating in unfair practices to their consumer, with very high fees and interest rates making it impossible to pay off. I opened this account in early XXXX with a credit limit of {$5000.00} my limit was decreased to {$760.00} in XX/XX/XXXX and never received notification of this. This caused me to be over the limit once interest and fees were charged and negatively impacted my credit. I never had a credit card that just lowers the limit at their will. I am being charged {$41.00} a month in late fees, a total of {$270.00} YTD. The payment is made within 5-7 days of the due date. I am on a XXXX  household income and have to wait for my paychecks to come in in order to pay. There should be some sort of grace period with the late fees. Being charged {$41.00} when being 2 days late is insane. I have never been 30 days late and have been making all my payments. This is putting me into a hardship in trying to pay this off due to excessive fees and lowering my credit limit. My current balance is {$760.00} and I have been making payment since XX/XX/XXXX and my balance has not gone down due to excessive fees and interest. I have reached out on a couple of occasions for assistance in getting these waived and their policy only permits waiving XXXX fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am one of the 143M Americans whose credit information was compromised by the recent XXXX data breach. I have worked many hours to try to understand and respond to the situation, and I am still not out of the woods. It appears the most complete level of protection for my information is a security freeze, which will cost {$10.00} in my state, Texas. Though I may get it free from XXXX, who has announced no-charge freezes and thaws for a few weeks, for those whose information has been accessed. ( I do n't know yet if this applies to me, whose information " may have been '' exposed in this breach, as expressed in their web tool in which I entered the last 6 digits of my SSN- how come they ca n't just say yes or no?? ). I would strongly suggest that ALL credit reporting agencies offer free freezes and thaws upon request from any customer ( with appropriate ID verification ). Forever. And that they notify us any time that anyone has requested our information. These agencies are making money on OUR information, and I do n't recall giving them the OK to share that. If that 's what they do, they should be totally accountable for the safety and privacy of that information. 
At this time I do not think anyone has committed any fraud against me, but the danger is clear. I believe any credit reporting agency, business operation or bank which uses people 's SSN 's and financial information must be held totally responsibly for any losses the person sustains.
Product: Credit reporting

In a previous CFPB case, # XXXX, I disputed incorrect reporting status from Transunion in regards to my XXXX XXXX XXXX XXXX XXXX XXXX. Transunion responded as follows : " We received your complaint about the XXXX Home Loans # XXXX and XXXX Home Loans # XXXX in your credit report, and apologize for any difficulty you may have experienced. XXXX items identified in your complaint have been updated to reflect as paid with zero balances. '' About 30-days later, that information was updated by XXXX XXXX XXXX! Transunion again reports a balance owed and the account in open status.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and these accounts and inquiries are a result of this crime. XXXX XXXX {$1600.00} XXXX XXXX XXXXXX/XX/XXXX {$20000.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a security breach which led to 140+ million Americans at risk of credit fraud. This can only be because of inadequate security measures taken by Equifax.
Product: Bank account or service

I have an account at Bank Of America and I was charged for going over the limit of transfers in between my savings and checking in the total of {$60.00}. I was never ever informed via paperwork email or online or otherwise so I was trying to get my {$60.00} back that is it. So in order to resolve this issue I would like my {$60.00} back and then I will go to another bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX is missing characters from the docket number. 

XXXX XXXX XXXX # XXXX is missing the entire payment history. 

XXXX XXXX XXXX # XXXX is missing the entire payment history. 

XXXX XXXX # XXXX is missing the 'balance, Scheduled payment, amount paid and past due amount ' for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX. 

XXXX XXXX XXXX # XXXX is missing the entire payment history. 

XXXX XXXX # XXXX has terms incorrect. It has XXXX XXXX monthly for 75 months. I did not pay XXXX XXXX  monthly and the terms IS NOT 75 months. The 'high balance ' is not {$3100.00} ; it was {$3400.00}. ( see attached letter contract ) XXXX XXXX XXXX # XXXX is missing 'balance, scheduled payment, amount paid and past due ' data for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX '. 

XXXX XXXX XXXX # XXXX is missing 'balance, scheduled payment, amount paid and past due ' information for months XXXX, XX/XX/XXXX and XX/XX/XXXX '.
Product: Mortgage

CrossCountry Mortage made a significant error that violates the 2020 CARES ACT by proactively reporting a missed/late payment to all the credit bureaus while my mortgage was in Forbearance. The many representatives I have spoken with have apologized for this mistake and no of them can understand how and why it happened, and why Cross Country Mortgage has not fixed the mistake. A work order for fixing and correcting this mistake was submitted in XX/XX/2020 ( now it's XX/XX/2020 ) and a representative just confirmed that the " work order was never worked on ... ''. Again I received another apology, yet my credit has dropped over 170+ points and this mistake has caused major financial damage to me and my family because it was never " worked '' on when it was brought to the attention of CrossCountry Mortgage. My credit for the past 15 years has been 820+. And now since XX/XX/2020, CrossCountry Mortgage a 2nd time reported a missed and late payment to my credit AGAIN. Long-standing lines of credit that I've had for 15+ years have been canceled as a direct result of CrossCountry 's mistake. New career and job opportunities have not resulted in hiring after the company pulled my horrible credit that is due as a direct result of CrossCountry Mortgage. They continue to apologize and continue to do nothing and as a result I lose job opportunities, long-standing credit lines get yanked away, I'm unable to get a business loan, there are going to be issues when I need to refinance. I'm at a loss and have never in 20 year of doing business been so disappointed in a financial institution as I am with CrossCountry Mortage.
Product: Checking or savings account

On XXXX XXXX XXXX there was a check of XXXX and a check of XXXX being deposited into my account and they were able to withdraw {$980.00} from that transaction. The next day on XXXX XXXX XXXX  there was another check of {$1300.00} that was deposited into my account. They withdrew that day XXXX from the atm. on XX/XX/ they withdrew XXXX from the atm. On XX/XX/2023 they attempted to deposit a check of XXXX but the check bounced. I then looked at my transactions and saw all these transactions that were not mine. They were able to withdraw all my money from my account and left me with nothing. I filed a claim with chase and they denied my claim twice. They said that the money I had in my account was to be considered a total loss since there was no bad attempts when entering the pin to the atm. These checks that they authorized did not have my name, routing, or account number written on them. As well as these transaction being done in multiple city 's. I emphasized this several times and they were not helpful with resolving my issue. There was fraud done on my account and they are not helping get my situation resolved.
Product: Credit card

Subject : Wells Fargo Fraud Handling No Case Number or Follow-Up, Identity Theft Concerns To Whom It May Concern, On XX/XX/year>, I received a letter from Wells Fargo referencing an account that I did not open. I immediately contacted Wells Fargo via the phone number listed on the letter. I informed them that the account was fraudulent and not associated with me.

I spent approximately 45 minutes on the phone being transferred between departments, including the fraud department multiple times. One representative told me the account was now closed and that a fraud investigation would take place. When I asked for a confirmation number or any form of written acknowledgment, she stated she could not provide one. I was transferred again to someone who allegedly could provide confirmation, but the call was abruptly disconnected with a message that the office was closed. 

I called back right away and was again transferred repeatedly for another 37 minutes. Still, no one could provide a reference number, case number, confirmation, or any documentation. The final person I spoke to said the account had been sent to the " Escalation Department, '' but she could not provide any contact information or next stepsonly that I had to wait for a call. 

This handling is unacceptable for a fraud case involving identity theft. I have no written proof that the account is closed or that a fraud investigation is taking place. I am left with no documentation and no way to follow up. 

I am requesting that : Wells Fargo immediately confirm the closure of the fraudulent account, Provide me with a written confirmation that a fraud investigation is underway, Supply a case number or other tracking information, Provide a clear and accessible point of contact for further inquiries.

I believe this situation may violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), and I request that the CFPB look into the banks failure to provide due process for a fraud report.

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting

My XXXX says that I have XXXX missed payments from my student loans during a time Peorid where I had not even started to pay them off yet because I was still in school. I want to get rid of the missed payment marks on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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: Credit card

In XX/XX/2023, I lost my wallet with my ID and credit cards. Soon after I noticed a very large purchase on my Care Credit credit card. I contacted care credit immediately to file a dispute for this transaction. They have not helped resolve this matter and the purchase was made out of state I filed two police report in regards to this matter and need it handled immediately.
Product: Mortgage

On XX/XX/2021 I established a complaint against the company, LOW VA RATES LLC. XXXX XXXX XXXX XXXX. XXXX UT XXXX XXXX XXXX XXXX # XXXX, XXXX, UT XXXX. 
Corporate address XXXX XXXX  -XXXX, XXXX XXXX XXXX , UT XXXX- Ph ; XXXX-XXXX-XXXX  Today XX/XX/2021 after asking this company several times not to contact me with this what I believed misleading letters. This company will not respond to my complaint, nor will stop harassing me. It extremely clear, NO I do not want this company utilizing my name for marketing, and I will never do business with this company. 
Whats the intention of this letters, why only Veterans like me being target. This company its using my name and personal information for marketing and solicitation. I just don't understand why this company is very aggressive harassing me with weekly repeatedly unsolicited and never requested mail and loan offers. REDUCTION-ALERT VA- Program. 
How this company got my information, what gives the right to this company to use my name and address .This company needs to respect the fact that my name is at the all the credit bureaus Opp -out list and every credit agency op-out list to included also the DMA and FTC. Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where? 
Please stop remove my name out their data base, and ask every marketing company/ and any company associated with this junk mail offers not to use my name. This company apparently distributed my information to others with the same intention. 

I'm a handicap, I'm a war veteran and also I'm a senior citizen being target by this junk unsolicited misleading mail. I had never requested, please STOP do not contact me, do not call me, do not mail me, do not email me please. No response yet. 

Re : Unsolicited Communications ( UC ) - Florida Do Not Call Assigned Case # : XXXX Online Complaint # ( OCN ) : Date of UC : XX/XX/2021 Caller ID # : XXXX Reported Business Name : LOW VA RATES LLC
Product: Credit card or prepaid card

I have complained several times about posible merge of two accounts or may be identity theft to AMEX. 
I was noticing charges on my card that I never made and than someone was paying off the outstanding amount .I have brought to AMEX attention that charges are not mine and payments are not mine. 
Finally they closed the account with unpaid charges on my account and now they claim that this is my responsibility. 
AMEX failed to maintain basic Identity Fraud prevention procedures, did not maintain account privacy procedures and now frodulently pressuring me to pay alleged debt that I addressed sevral times as not mine.
Product: Debt collection

PLEASE HELP ... HOW CAN I FIX THIS PROBLEM. 
I have contacted the Credit Reporting agency EXPERIAN several times about a disputed account that is still showing on my credit report negatively. The account was disputed and removed in late XXXX from my credit report. However, as of XX/XX/XXXX the same account is showing up on my credit report again as a negative account. I have requested to have removed and since been told it is an " ACCURATE '' account. I have asked to have proof provided that can validate that this account is mine and they say they have no such proof. 
Experian has stated they do not require any company that has reported derogatory information for a consumer account to provide any proof of the fact that the information being reported is correct, true, or justified. They take the reporting company 's word for the information being provided and its up to ME as the consumer to figure out how to fix the problem. The consumer credit report impacts not only my ability to get or obtain financial credit but also affects my lively hood in reference to obtaining a job, an apartment, car insurance, and even health insurance. Since EXPERIAN and other credit bureaus are reporting false and inaccurate information to my consumers credit file are they not held responsible to verify its accuracy and content. I have tried several ways to correct this information and dispute via online, email, fax, phone call to customer service and each time I get no resolution and the same in accurate information is being reported. HOW CAN I FIX THIS PROBLEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquires, XXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX? XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 
XXXX Bank, XXXX XXXX never late sent XXXX, XXXX to creditor to credit bureaus XX/XX/2021 Dear Sir, I gotten the results of your investigation and have new material to add. I have been in touch with the creditors and had them update their data. I have been on the phone for the past five days trying to get to the end of this. Please discard these glitches and send me an updated copy of my credit file.
Product: Credit reporting or other personal consumer reports

Experian is in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ). Experian says they verified the fraudulent discover account This XXXX account is NOT MINE. I DID NOT RECEIVE ANY GOODS OR ANYTHING FROM THIS ACCOUNT. AND I HAVE NO KNOWLEGDE OF THE ACCOUNT.
Product: Payday loan, title loan, or personal loan

I obtained a personal loan from Avant, and am now going through a divorce and have lost a significant amount of household income, and am now a single parent. I am unable to pay the extremely high interest rate and payments. I requested that the loan be forgiven or settle for a significantly lower balance. The customer service agent only provided me an option for smaller payments that would further delay the payoff of the loan and continue to collect and unfair amount of interest. When asked to speak to a supervisor or someone else who can assist with a different plan, I was placed on hold for several minutes and then notified that a supervisor would be calling me back. I never received that call. I am unable to gain financial freedom with this personal loan and high, unfair interest rate.
Product: Debt collection

I have been disputing an account with XXXX XXXX for over three months. When I call they say that they have sent information to XXXX to stop reporting. I have found that as of XX/XX/XXXX, the identity theft accounts are still reporting. 

I have also disputed the account with National Credit Systems. They asked that I submit an Identity Theft Affidavit, which I have three times and they send me a notice saying they have not received the affidavit. I even sent it as an attachment to my last XXXX complaint. When I called they said to send the forms that they request, but they would send those forms to me in the mail. When the mail arrived, it was the same FTC affidavit documents that I already submitted. I am to the point of contacting an attorney because they have hurt me so-much-so that I have been denied for credit with XXXX. XXXX has listed both of these companies as the reason for me being denied. 

THESE ARE FRAUDULENT ACCOUNTS.
Product: Debt collection

This company, Transworld, has called at least once a week for over a month. All they can say for the nature of the calls is " a personal business matter ''. I work XXXX shift and sleep during the night. I'm not going to address an issue if I'm not getting told what the issue is. I've ask them if they can't tell me what they need then to either contact my law firm, the XXXX XXXX law firm out of XXXX, or to quit calling.
Product: Money transfer, virtual currency, or money service

transaction date was in XX/XX/2021, amount is {$2600.00}, from XXXX AND BANK OF AMERICA paid to XXXX XXXX XXXX XXXX XXXX XXXX .this company provided International online piano lessons it is call XXXX XXXXXXXX XXXX XXXX we have to prepay for the service, but they never provide any service yet, then the company closed down and run with out any reason and any notice. also XXXX  Apps can not log in any more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a number of fraudulent hard inquiries on my credit report within the last 2 years. They are likely the result of identity theft. 

They inquiries were from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There may be more but this is all I can recall.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX 2012