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

I am a victim of identity theft. I tried to solve this matter with the company in the past. Back on XX/XX/XXXX, TransUnion received a notice from me delivered via certified mail in which I informed that a fraudulent account and fraudulent charges were included on my report without my consent or authorization. As of today they have failed to remove this fraudulent account from my credit report. This is a violation under the FCRA. 

Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character. 

Account is the following : XXXX XXXX # XXXX. Date Opened XXXX.
Product: Credit card

Since XXXX of XX/XX/2024, I have been having trouble with online payments for my credit card company, Concora Credit. My complaint is that I want to change my due date from the XXXX of the month to the last of the month. My only viable option is to send money orders and in order to do so and not be considered late is for Concora Credit to change the due date, which they refuse to do.
Product: Checking or savings account

I made a purchase for a hotel using a third party application the fee was processed and room was booked upon arrival I was asked To give a card for Temporary hold I use another debit card were they process a fee I was told will receive after I depart I waited a week no refund so I called they let me know it we released to call my bank after calling they state I need to give and email to receive back my deposit or wait 30 days were there is nothing stating this
Product: Credit card or prepaid card

I purchased TV service from XXXX XXXX in XX/XX/XXXX, for {$74.00} per month. The service was to include their 250 channels plus XXXX XXXX. I paid the install fee with Citicard of XXXX XXXX, SD. No other charges were authorized. I paid the monthly charges with another credit card which had no association with Citicard. In XX/XX/XXXX I found that XXXX had blacked out 55 % of the 250 channels, but had received no reduction in charges. Since I was not under a contract, on XX/XX/XXXX, I cancelled the XXXX service. XXXX claimed that I owed an early termination fee of {$320.00}. I advised them that I had not agreed to a contract, nor had I signed a contract. In fact, I had never seen their contract. I refused to pay the charges. Because I did not trust XXXX, I telephoned the bank that had been paying my monthly charges, and instructed them to decline any further charges from XXXX. They complied. However, XXXX found in their records where I had paid installation charges from Citicard. They filed the charge with Citicard, who initially paid the charge. When I learned of the deception, I informed Citicard of the forged contract that XXXX had created and instructed Citicard not to pay the XXXX charge. Citicard then reversed the payment to XXXX and purportedly began a half-done investigation. Without talking to me, Citicard decided to pay XXXX, even though I provided Citicard proof that XXXX had forged my signature on the supposed contract. Since then, Citicard has tried to collect the XXXX charge from me. This is how Citicard treats customers who has been doing business with them for 22 years, paying every statement in full and on time.
Product: Credit card

Applied for XXXX which Chase Bank confirmed to me I was eligible TWICE ( XX/XX/XXXX, XX/XX/XXXX ) before applying on XX/XX/XXXX. 

After making the {$50.00} charge I called Chase to ENSURE no problems! 

Buying XXXX allows XXXX and into XXXX and SAVES CHASE {$50.00}!!!!!!!! Chase is saved MONEY and NOW denies my a benefit that I had confirmed was ELIGIBLE!!!! 

Representative DENIED me coverage ... ... .UNETHICAL and UNPROFESSIONAL as CHASE he instructed me never documented my calls NOR was HE until I demanded my complaint be escalated to Chase Presidential Escalations. 

Chase representative REFUSED to cooperate on sending Presidential Escalation my complaint - Chase BULLIES customers!!! 

Representative REFUSED to forward a complaint to Chase Presidential escalation forcing an complaint to CFPB. 


Chase Saphire Reserve Direct Line customer service reps are incompetent about Saphire Rewards benefits and have NOW LIED to me with different feedback even though I had pre-checked! 


Dishonest, unprofessional and unethical treatment by CHASE Bank!!!
Product: Credit reporting

On XXXX XXXX, XX/XX/XXXX we received a discharge of our chapter XXXX Bankruptcy, which included XXXX accounts with XXXX XXXX. When applying for a mortgage prequalification, XXXX of the accounts show a BALANCE and LAST LATE of XXXX. Another shows a BALANCE of {$0.00} with a LAST LATE of XXXX. Credit Plus, Inc is the credit reporting agency used by my mortgage lender. On my XXXX report of XXXX/XXXX/XX/XX/XXXX these accounts have a status of " Discharged through Bankruptcy XXXX XXXX ''. I do not know why Credit Plus has this shown differently on their credit report.
Product: Student loan

Called AidVantage XX/XX/23 and requested Sixty-day payoff amounts on ( 3 ) Parent Plus loans. Was told by CSA that he " didn't know what a sixty-day payoff letter was ''. 
Called AidVantage XX/XX/23 and requested Sixty-day payoff amounts on ( 3 ) Parent Plus loans and the CSA understood my request and agreed to send the letters.. We received ( 2 ) of the ( 3 ) payoff amounts on Saturday XX/XX/23. *but did receive a payoff letter for a fourth loan that had been paid off years ago and showed {$0.00} balance? 
Tried to call AidVantage on Monday XX/XX/23. First call-on hold 45 minutes without talking to a human, gave up. Second call 42 minutes without talking to a human, gave up. 
Called AidVantage XX/XX/23, 42 minutes on hold before getting to talk to a human, and explained that we had only gotten ( 2 ) of the ( 3 ) payoff letters and the CSA agent stated that her system indicated the request was made but she could not explain why it hadn't been sent and she would make sure that it was sent within 24-36 hours. 
Today is three days later and no response. Our refinance vendor is pushing for the information and if not received in time will have to reapply and will require another credit check on me. AidVantage is PREVENTING me from refinancing my loans,
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in months that are reported late to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

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

I tried to establish an online banking account. After 2 attempts with the help of customer support XXXX phone ), I was able to access my acct., only to discover that Cap. 1 had CHANGED the name of my account, without informing me, thus shoing my previous account : Essential savings, as closed. When I contacted them ( by phone ), they told me my account was changed to CONVENIENCE SAVINGS, and I would have to establish a new account online. When I attempted to do that, I was told by the representative that I had to wait weeks to be able to access my account, because my phone number had to be verified. As I signed in, my phone number, which was always the same, automatically shows up in the sign-in page, but will not allow me access. I was told I had to wait weeks for the bank to verify my phone number that was on file for 3 YEARS to be able to access an online account. I am XXXX years old, and living in XXXX XXXX, having left XXXX  abruptly after almost being robbed in my neighborhood. I told the rep., and she couldn't care less. There are NO Cap.1 branches near me, and I am only able to access {$800.00} a day, and have no way to pay my bills. I would be greatful for any help. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my XXXX, Experian and XXXX credit report. My latest credit report shows XXXX hard inquiries that I did not authorize 15 U.S. Code 1679c XXXX Inquiry XXXX XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX Inquiry : XXXX. XXXX, XXXX + Automotive XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal XXXX Inquiry : XXXX. XXXX, XXXX + Travel/Entertainment XXXX Inquiry : XXXX. XXXX, XXXX + Travel/Entertainment XXXX Inquiry : XXXX. XXXX, XXXX + Banks XXXX Inquiry : XXXX. XXXX, XXXX + Travel/Entertainment XXXX XXXX Inquiry : XX/XX/XXXX + Automotive TXXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Finance/Personal XXXX Inquiry : XX/XX/XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX Inquiry : XX/XX/XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX Inquiry : XX/XX/XXXX + Automotive XXXX XXXX CA XXXX XXXX XX/XX/XXXX + Automotive XXXX Inquiry : XX/XX/XXXX + Finance/Personal XXXX XXXX Inquiry : XX/XX/XXXX + Banks XXXX  Inquiry : XX/XX/XXXX + Banks XXXX  XXXX Inquiry : XX/XX/XXXX + Banks XXXX XXXX  Inquiry : XX/XX/XXXX + Banks XXXX XXXX : XX/XX/XXXX + Finance/Personal XXXX XXXX  Inquiry : XX/XX/XXXX + Finance/Personal XXXX  Inquiry : XX/XX/XXXX + Finance/Personal XXXX  CRE Inquiry : XX/XX/XXXX + Finance/Personal XXXX Inquiry : XX/XX/XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX Inquiry : XX/XX/XXXX XXXX Banks XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal XXXX XXXX Inquiry : XX/XX/XXXX + Automotive XXXX XXXX Inquiry : XX/XX/XXXX XXXX Finance/Personal I have no knowledge of the collection accounts below nor did i authorize on my behalf. 
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$440.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$3600.00} Needs Attention below is a ftc report attached.
Product: Debt collection

They called my phone with several different numbers with no voicemail left. Trying to collect on a debt over 7 years old past the limitations. phone numbers listed below.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have over 35 more from the same company
Product: Debt collection

I went to court and I was never asked if I understood why I was there of if I understood the English language. I speak XXXX and I could not comprehend what went on during the court proceeding. The account related to the issue is as follows Account Name : MIDLAND FUNDING Account Number:XXXX Account Type : Debt Buyer Responsibility : Individual Date Opened:XXXX Status Collection account : {$1100.00} past due as of XX/XX/XXXX. 
Status Updated:XXXX Balance : {$1100.00} Balance Updated:XXXX Recent Payment : XXXX XXXX  Monthly Payment : {$0.00} Original Balance : {$1100.00} Highest Balance : {$0.00} Terms:1 Months On Record Until : XX/XX/XXXX ...
Product: Debt collection

My complaint is that Transworld Systems at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX has been reporting an balance of {$350.00} as a past due. I do not know this company and have never done business with them. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, XXXX XXXX ran a hard inquiry on my personal credit report with Transunion. Prior to applying for a business card, I called and was told that a inquiry will not be ran on my personal credit only on my business 's EIN
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : XXXX XXXX XXXX  XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX XXXX Late Dates XX/XX/15, XXXX, XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXXLate Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2023 Failure to investigate Name : XXXX XXXX Current address : XXXX XXXX XXXX XXXX mi, XXXX SSN : XXXX Date of XXXX To : Dear Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Your XXXX XXXX verified the below account. I looked at the FTC site, and they stated that you have to tell me how you verified this account. You have to tell me details and not a boiler point letter. Please tell me how. FAILURE TO INVESTIGATE, please re-investigate and DELETE ALL items lists below. 

( XXXX ). Creditor : Account : XXXX XXXX  # XXXX Reason : FAILURE TO INVESTIGATE ( XXXX ). Creditor : Account : XXXX # XXXX Reason : FAILURE TO INVESTIGATE ( XXXX ). Creditor : Account : XXXX # XXXX Reason : FAILURE TO INVESTIGATE ( XXXX ). Creditor : Account : XXXX # XXXX Reason : FAILURE TO INVESTIGATE Please send me details on how this account was verified. 

Thanks!
Product: Credit reporting or other personal consumer reports

I previously disputed this account. XXXX XXXX XXXX  account : # XXXX I let them know this account was not reporting accurately. According to the IRS when an account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. I attached a 1099-C ( Cancellation of Debt ) from XXXX XXXX in regards to the following charged off account listed below. XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX received a corresponding tax deduction for the uncollected amount associated with this charge-off and I had to file the balance of {$7600.00} as income on my taxes! This account can no longer be reported to my credit report. Not only does this violate my rights per the FCRA, this is also tax fraud on XXXX XXXX part. Delete this account from my credit report immediately for inaccuracy!
Product: Debt collection

I am filing this FTC Identity Theft Affidavit to report five separate fraudulent accounts appearing on my consumer FICO credit report which i do not recognize authorize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a collection agency account opened at, IXXXX XXXX XXXX. in XXXX of XXXX under account number XXXX, a collection agency opened at XXXX XXXX XXXX in XXXX of XXXX under the account number XXXX,, these accounts have resulted in five collections appearing on my FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all hard inquiries activity related to said items cease pursuant to my rights within the FRCA and FDCPA laws.
Product: Money transfer, virtual currency, or money service

Cash app closed my account while I am had money in my account, it was over a {$1000.00}. They never responded with a reason has to why they banned and closed my account.
Product: Checking or savings account

So the first issue is that I cashed my Pennsylvania XXXX XXXX XXXX XXXX  for {$520.00} and it was supposed to go on my Chime Card however that was back on XX/XX/XXXX and STILL it's not there and XXXX has proved the check was cashed and put in chime so I don't know what they have done with my money but they are very rude and ignore customer support emails and even hang up on the phone and this is really frustrating and then the second issue is there are unauthorized charges on my account two months in a row and they keep denying the dispute for them like how is this even legal? Something should be done for sure because it seems they steal money and one time they even claimed that they found the check and it was processing and it'd be in the account the next day and that was over 3 weeks ago at this point
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been an encounter going over this and I am submitting this complaint AGAIN to remove the fraudulent account in my file that is reporting on Transunion Credit Bureau. I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... PLEASE DELETE IMMEDIATELY!
Product: Mortgage

I applied for a refinance mortgage with XXXX XXXX on XX/XX/XXXX and as part of the application process I provided my social security number, and a copy of my monthly mortgage statement from my current lender Flagstar Bank. On XX/XX/XXXX, the day of closing, I was made aware that there were {$180.00} of fees assessed by my lender for payoff statements obtained by XXXX XXXX. After further inquiries of Flagstar Bank, I learned that my personal information was used by XXXX XXXX ( without my authorization or consent ) to impersonate me to obtain these statements through Flagstar 's IVR phone system. Each time XXXX XXXX  did this I was assessed a fee of {$30.00}. Mailed payoff statements are FREE. I informed Flagstar Bank that I did not authorize XXXX XXXX to impersonate me in order to obtain payoff statements via their IVR system nor did I authorize them to incur expenses on my behalf. I emphasize 'impersonate ' as the IVR system is quite clear in the use of pronouns to clarify that the system is intended for use by the mortgagor ( e.g. enter the last four of " your SSN '' and enter " your loan number '' ). It is also stated by the system that there will be a {$30.00} fee assessed for providing the statement. In total my personal information was fraudulently used by personnel at XXXX XXXX  to obtain SIX payoff statements for a total cost of {$180.00}. In addition, many of these payoff statements had effective dates which overlapped suggesting that the duplicate statements may have been maliciously obtained in order to incur these fees. I complained to Flagstar Bank indicating that the fees were not authorized, and they removed {$120.00} for the statements which had overlapping effective dates. However, Flagstar Bank refuses to remove the remaining {$60.00} over my objections as they were the result of unauthorized fraudulent activities. In addition, these actions fall within the purview of FL Statute 817.568 ( 2 ) ( a ) Criminal use of personal identification information which states " Any person who willfully and without authorization fraudulently uses, or possesses with intent to fraudulently use, personal identification information concerning another person without first obtaining that persons consent, commits the offense of fraudulent use of personal identification information, which is a felony of the third degree ''.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting

I recently wrote and sent out dispute letter, including copy of my credit reports, with my other documents. I 've notarized, and certified by mail sent to TransUnion Credit Bureau , Inc. three times. And I received investigation results letter by mail and TransUnion Credit Bureau , Inc. was refused to deleted inaccurate off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance Owed : {$910.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6000.00} ; XXXX XXXX  XXXX Balance Owed : {$970.00} ; XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX Balance Owed : {$46.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$36000.00} ; XXXX XXXX XXXX Balance Owed : {$3400.00}