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

TRANSUNION and XXXX is refusing to remove all inaccurate information as per FCRA and ( XXXX ) has already removed all inaccurate information on my credit report see attached : you are breaking the law!!! 

If one credit reporting agency ( CRA ) removes inaccurate information, ALL CRAs must correct the information in your file : Information provider The information provider must notify all CRAs if the disputed information is inaccurate. 
CRA The CRA must : Reinvestigate the disputed information, usually within 30 days Forward all relevant data to the information provider Correct, block, or delete the inaccurate information Provide you with written results and a free copy of your updated credit report The Fair Credit Reporting Act ( FCRA ) gives both CRAs and information providers responsibilities for correcting inaccurate or incomplete information in your credit report TRANSUNION and XXXX are also violating the cease and desist I sent them previously. XXXX is also communication see case law XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian purposely put inaccurate information on my report in regards to my student loans with XXXX. During the pandemic these student loans were put on paused in addition these loans are currently under the IDR program and my payments are {$0.00} dollars a month. The dispute number in regards to my complaint is # XXXX. Experian claims, that all of sudden, these student loans can not be found. Here is what is on the report, " Potentially negative/Creditor can not locate individual - never late. '' In addition this is my other issue with Experian, they will wait until my balance on my credit cards are higher than usual to report it. It does not matter how many payments I make during the month. It does not matter. Nor do they consider that people are recovering from the pandemic. For example my XXXX Credit card on their report shows a current balance of {$450.00} on XX/XX/2023, even though I made several payments between XX/XX/2023 through XX/XX/2023. They are very bias towards me and will do anything to lower my score and no matter how many times I dispute things, Experian refuses to remove these inaccurate items.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Money transfer, virtual currency, or money service

Back in XXXX of 2023 I had realized that Bank of America sent me a check refunding me for overdraft fees that I shouldn't have paid in the form of a check they sent to me to my mailbox, that check was stolen out of my mailbox forged and cashed. I realize that and I called and made a claim back in XXXX of 2023 they never sent me the paperwork or sent the paperwork to the wrong address and so they closed the claim because I didn't fill out the paperwork and send it. So then in XXXX of 2023 I called to find out what was going on with it and they said it was closed they resent me the paperwork I filled it out the day I got it and send it back in now it's been God knows how long I still haven't gotten anything back they have continuously told me they were going to get working on it but every time I called in they couldn't find it and I spent 2 hours on the phone with them every time find the about a month ago I talked to a lady who dug into a deeply you figured it out and they have been literally giving me the runaround every time back forth back and forth back and forth on every time I spend 2 hours on the phone with them trying to find out what's going on they have not fix this issue they have not giving me a refund for that check and they are saying it's taking 90 days well it's been longer than 90 days I've been dealing since XXXX of 2023 and just need my money please help me. Also to add back in XXXX when I received the paperwork they wanted me to fill out they said that I had put the wrong claim number on it but I literally copied the claim number that they sent on the paperwork for me to fill out copied it from there to the ones I needed to fill out so how could it have been wrong and there's also change the claim number I believe to get it so they can get it under their time frame of when it's supposed to be done and they've literally screwed me around
Product: Credit card or prepaid card

The complaint is about Paypal Business Debit Mastercard, which is connected to my Paypal business account. 

They are currently running a promotion that gives {$20.00} cashback for every {$1000.00} purchased on the card until XX/XX/XXXX. I made a number of point-of-sale purchases with the same online merchant. Paypal honored the cashback up until XX/XX/XXXX, and then abruptly stopped issuing cashback, without changing the rules of the promotion. 

My attempts to resolve this with Paypal have been fruitless. They have repeatedly made up " rules '' for my transactions that either didn't apply or weren't part of the promotion. 

They claimed these were " cash-like '' transactions, but they weren't. One proof of this is the fact that my Paypal debit card has a daily limit of {$400.00} for cash-like transactions, but I routinely made purchases over that amount. 

As it stands, Paypal owes me {$160.00} in cashback under the current promotion ( effective until XX/XX/XXXX ), and refuses to honor it. 

Attached are the images of the transactions for which cashback wasn't honored, as well as the advertised XXXX XXXX XXXX  of the current promotion.
Product: Credit reporting or other personal consumer reports

I opened a loan with XXXX in XXXX of XXXX. In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I was granted a deferment for those 3 months. Everything was fine, but recently late payments have been showing for those months on my Experian Credit Report, I contacted Achieve Personal Loans and they resolved the issue before. Now, it has come back up, so I contacted Achieve Personal Loans and they informed me that they have sent serval updates to fix these errors, but Experian has yet to make the corrections on their end. So, I filed a dispute with Experian and they launched an " investigation '' but the results came back as Verified as Accurate. XXXX informed me that they did not verify the errors as correct. 
XXXX is sending updated credit reports to Experian that reflect no late payments but, Experian is not using the updated report information from XXXX. Instead, Experian is not updating my report with the correct information they have received from XXXX. 
Also, since the most recent dispute, the incorrect information is now being reported to my XXXX report when it was not before. 

This has been an ongoing issue since XXXX of XXXX, it's has been interfering with my ability to purchase a home and obtain other financing ; I have had to put off the purchase for several months now ; negatively impacting my quality of life. Again, it should be noted that this issue has been ongoing for 5 months, with no resolution. 

If the matter is not resolved immediately, my only other option would be to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove various fraudulent accounts and inquiries from my credit report. In the month of XX/XX/2018 I mailed Transunion, XXXX   & XXXX asking them to provide me documentation they used to verify these accounts and inquiries. Yet to no avail, All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) and 605 ( b ) and 604 therefore, the fraudulent accounts and inquiries must be deleted from my credit report.
Product: Credit card or prepaid card

I am writing with regards to the closure of my Chase Freedom, Chase Freedom Unlimited, and Chase XXXX cards. The reasons given to me were that 1 ) I have too many credit inquiries and 2 ) I have too many cards. 

Regarding the first point, Chase inquired into my credit twice for the XXXX card and the duplication is being removed. I received a letter dated XX/XX/18 confirming this from Chase. In relevant part it states : Weve sent a request to the credit reporting agency shown below to mask the inquiry from XX/XX/XXXX. And this inquiry will be removed within six to eight weeks, according to Chases Credit Bureau Specialists. 

As to the second point, the only card I have opened as of 2018 is the XXXX card. This was a card that Chase solicited and pre-approved me for. They claim that this is the 4th card I have requested with them and this is not the case. 

I have inquired as to whether there are any other reasons and the chase banker I spoke to on XX/XX/18 claims that these reasons i am deemed a credit risk. 

Objectively this is hard for me to stomach : I have banked with chase for 11 years ( Since I was XXXX XXXX XXXX ), I have never missed a payment with chase or otherwise. And they were informed that I am currently working at XXXX 's law library while I study for the bar before I begin my legal work on XX/XX/XXXX making XXXX a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and it has caused serious damage to my livelihood and credit file. It is unknown if this disaster was from the direct lost of my wallet or from the Equifax breach. Either or now I'm dealing with these unknown and unauthorized accounts inwhich I'm demanding to be removed and blocked from my credit file. 

1 ) XXXX  / XXXX 2 ) XXXX XXXX {$27000.00}
Product: Debt collection

Last year I had my daughter removed from my insurance and for most insurance still withdraw money for renewal from account for both cars and people. They stated they could not refund my bank.. caused me overdraft really bad. Cause they kept hitting the account. I called several times sent document everything.they then continued to change my policy and charging more and hitting my checking account. Was never given back my money.. I cancelled in XXXX XXXX,2017 they still keep charging me & sending me to collections. I keep calling and faxing documents & they keep sending new policy. Now collectors are calling screaming at me.. they now have my insurance collection with security
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX ) along with ( XXXX XXXX, XXXX ) I DO NOT HAVE A CONTRACT WITH NEITHER i they are violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We have a HELOC with US Bank. We are trying to refinance our first mortgage and apparently need a " letter of subordination '' from US Bank. We started this process in XX/XX/2020. And have been in contact with US Bank at least weekly since then trying to get them to do their job. We have repeatedly been told ... '' it is being worked on '', " it'll be complete next week '', '' we never received the documents ( or spoke or emailed ) with you '' despite they actually getting all the data/communications that they have asked for, " it is complete and approved and we sent the correct forms '' ( followed by " there are a few more steps before we can approve it '', etc. On Monday, this week, they said they sent the letter. On Tuesday, they said they made an internal mistake and it is not ready yet. 

US Bank has now cost us several thousand dollars by delaying our refinance.
Product: Debt collection

I sent letter by mail requesting validation of said debt but have not received any correspondence from the company as proof that I owe the debt. I did not sign a contract with Wakefield and Associates in reference to any debt by Wakefield and Associates. Pursuant to the Fair Debt Collections Act ( 15 USC 1692 et. seq )
Product: Credit card

I had a Citi Bank XXXX XXXX and Credit Card. My flight for my cruise got canceled and the cruise would not issue a refund. The Citi Bank XXXX XXXX card, which I closed refunded the flight tickets. But the Citi Bank credit card is not issuing any refund. 

I also purchased a bedroom set from XXXX. The furniture was defective with tears, cracks and a broken dresser drawer. I wanted to return it within the window for returns, but they only offered to have someone look at it. They claim the furniture is not defective and I provided pictures to Citi Bank and they are not protecting me or my money and say I have to take these giants to court. 

I don't have time and this is just to much for my XXXX and XXXX. I've been taken advantage of and no one cares!
Product: Checking or savings account

I opened new checking account with the advertisement saying I will get the {$500.00} signup bonus when I meet the requirement, but after meeting the requirement they are not paying me signup bonus. I have replied to their initial response where they are saying incorrect promo than what I have been told or opened with, and not seen any response from the bank.
Product: Credit card

on XX/XX/year> I checked my Consumer Report, I noticed a account that was placed on my report by CITICARDS CBNA as a late payment and Authorized User. I never applied for a CITICARD nor did I authorize anyone to add me as a Authorized User. I reached out to CITICARD a few times via phone but they never can help me.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX : {$6500.00} XXXX XXXX XXXX XXXX : {$4400.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX  score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Experian XXXX XXXX XXXX, XXXX, XXXX  XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It XXXX Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX DOB- XX/XX/XXXX XXXX XXXX XXXX XXXX NY XXXX Email - XXXX SSN- XXXX Phone number - XXXX Inquiries that need to be removed are listed below XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX 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

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) i have attached copies of my id
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has caused damages by not removing false incorrect information of Billing Errors I've asked them to Keep accounts and remove negative and false information they refuse even though i have sent in proof as well as refuse to send the proper tax forms and other request as well as payment received for I, the Consumer account to be properly credit and balanced This is on going three years now, please see attachments all Sent Certified Mail and Next Day Air
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally file a complaint against CreditFresh regarding the predatory nature of the loan I have with them. I have experienced several issues and concerns that need immediate attention. 

On XX/XX/, I contacted CreditFresh via email to address multiple issues with my account. Despite my efforts to make an additional payment to my account, the payment button was grayed out, preventing me from doing so. This has been ongoing for over a week. Consequently, my balance has increased even though I have not missed any payments in the 6 months I have had the loan. I also expressed my intention to make a significant payment to reduce my loan balance, but due to their system being down, I could not do so. I requested that I not be charged interest for this period. 

Additionally, I noticed that a significant portion of my payments is going towards fees rather than the principal amount. Out of a {$140.00} payment, only {$28.00} goes towards the principal, which is unacceptable. This breakdown was confirmed by a representative from CreditFresh, who stated that my minimum payment of approximately {$160.00} includes {$140.00} in billing cycle fees and only {$23.00} towards the principal. This practice is not only unreasonable but also indicative of a predatory lending scheme. 

Furthermore, I have been unable to change my auto payment method to a different bank account due to their restrictive policies. Despite providing the necessary documentation and verification, my account remains under review, limiting my ability to manage my payments effectively. 

The responses from CreditFresh have been inadequate and fail to address the core issues. Their customer service representatives have informed me that my account is under review and that I need to provide additional documents to verify my identity and address, which I have done. However, the restrictions on my account remain, and my concerns about the loan structure and payment allocation have not been resolved. 

I am requesting a thorough investigation into these practices and immediate action to rectify the situation. The allocation of payments towards fees rather than the principal is not only unjust but also places an undue financial burden on me. 

Please find attached the email correspondence with CreditFresh for your reference. 

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

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

I am writing to formally dispute several inquiries that have been reported on my credit file, which I believe to be unauthorized. These inquiries appear on my credit report and were not initiated or authorized by me.
Product: Credit reporting or other personal consumer reports

LVNV Funding LLC has opened an account and reported on my credit report. In accordance with the credit bureaus, the account was opened XX/XX/XXXX, in the amount of XXXX. No collection data was reported on XX/XX/XXXX and XX/XX/XXXX.