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

Hello, Ive sent countless letters to Transunion about incorrect information being reported on my credit profile. They have not taken the steps to properly investigate the account. From XXXX to XX/XX/XXXX Ive sent certified letters in regards to disputing information that is inaccurately reported with no resolution.
Product: Credit card

I was getting ready to use my credit card to make a purchase on XX/XX/XXXX, so I logged into my app to see what was available and come to find out that my account was closed. I started a chat with the company, and I asked the representative why my account is closed when it's not even past due. The response that I received was " After reviewing your account I see that this account was closed as per the terms that are applicable for all customer in compliance with all credit card laws. It was closed on XX/XX/XXXX based on an update from the Credit Bureau XXXX. I see that this decision was taken by the management based on an update from the Credit Bureau, XXXX regarding your credit scores and credit ratings and your performance not only with Synchrony, also all your other open lines of credit. Once the account is closed, it can not be reinstated. All of my Synchrony accounts have been closed down by this company, which not only will put all of my accounts in collections, but it will also destroy my credit score, making it impossible for me to establish new credit with any company in the future. After researching this online I found that I am not the only person that this is happening to, and this company needs to be held accountable.
Product: Debt collection

this company has placed a fraudulent account under my personal information related to an address ive never lived at for a gas bill. i faxed over the police report that my identity was stolen along with the FTC affidavit. ive called over XXXX times with no luck they keep asking me to send the police report which i have not XXXX but XXXX times. i ask that my right as a identity theft victim be enforced .i ask that this account be removed immediately since this account has hurts my person and my credit in the past and i was denied a home loan XXXX different occasions and i had to pay higher interest rates and suffered financial hardship because of them. 

I had also spoke to someone in the past and they mailed me a letter of deletion and verified the account was not mine AGAIN THEY ADDED THIS ACCOUNT and they are attempting to collect on this account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX alerted me to a hard inquiry on my XXXX credit report. The XXXX report showed the inquiry was from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and that it happened on XXXX XXXX, XXXX. I did not make any requests for credit on that date or in the week prior. I also never requested credit from this bank. I called the XXXX XXXX XXXX XXXX and they directed me to XXXX. XXXX advised they couldn't give me any information on the inquiry but they did confirm that they didn't show an account under my name and social security #. They suggested that I reach out to XXXX. I did reach out to XXXX and they couldn't give me any more information than what I could see on my online credit report through XXXX XXXX. XXXX has asked that I submit a complaint with CFPB and include that report XXXX in my request to have this hard inquiry removed from my credit report. I have also put a freeze on my XXXX and XXXX credit reports, as I also had a hard inquiry on XXXX for the same date but for a different retailer ( XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SOME HOW THESE ACCOUNTS WAS OPEN IN MY NAME WHEN IT WAS TO BE OPEN IN MY SON NAME WE SHARE THE SAME NAME HE IS A XXXX AND I AM A XXXX  I WISH TO HAVE THESE ACCOUNT REMOVE ASAP BECAUSE IT IS NOT ME.
Product: Mortgage

Hi, I made a mortgage payment twice accidently in the month of XX/XX/XXXX. I brought this issue to the mortgage company and they issued me cashiers check in the month of XX/XX/XXXX. Unfortunately, I didn't deposit the cashier check and it got void by the time of deposit in the month of XX/XX/XXXX. 

I called the mortgage company to reissue a check because I can't deposit the void check. The cashier 's check was with me and it is not deposited for sure in my bank account. The mortgage company was told that the check was cashed. I called so many times and they are not responding properly, I feel that it is a kind of harassment because I am a XXXX.
Product: Credit card or prepaid card

Original issue gave response date of XX/XX/21, but was closed 2 months before that date causing refiling. 

In XX/XX/21 response American Express falsely indicated that the XXXX offer had not been loaded or subscribed on my card. The attached image I captured just after doing so proves otherwise. 

Main complaint : Initiated Offers list for my American Express card and saw an offer for a XXXX music subscription deal where you would get a {$9.00} account credit for a {$9.00} XXXX purchase. I activated and loaded the offer and clicked the link. I made the {$9.00} XXXX purchase. On XX/XX/XXXX my AmEx card was charged {$10.00}, which is the {$9.00} plus tax. I called them on XX/XX/XXXX because the credit had not been made to my account. I disputed the charge because I had not received the account credit as clearly promised in the offer specifications. They denied the dispute. I contacted their customer support service via chat on XX/XX/XXXX and XXXX complaining about the false advertising nature of this offer. They offered to investigate and said that I should check back with them or look for an account credit. It never came. This charge is being disputed be cause it is the sole reason why I signed up for XXXX and I clicked their link and followed the instructions.
Product: Credit reporting or other personal consumer reports

I have filed numerous complaints against the creditor on my credit report for not providing proper or accurate information of my debt. Which to date has not been provided to me, but XXXX keep coming to the conclusion that the report is accurate and meets the guidelines. I would like to know how they come to that conclusion.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The List of Accounts Below has violated my federally protected consumer rights to privacy and Confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX XXXXXXXX Account # : XXXX Amount : {$170.00} I looked at my Equifax credit Report on XX/XX/year> and Noticed some things are incomplete and not accurate. And according to the fair credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( A ) ( B ). 
And According to 15 USC 1681 I, II, ( A ) ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency Shall. 
( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) Promptly notify the furnisher of that item of information that the Information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681 ( 5 ) - ( 2 ) they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 




Delete account XXXX XXXX XXXX from my credit report. Delete account XXXX XXXX XXXX from my credit report, because of multiple violations of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX business credit report for my small business states I have a delinquent account for {$2500.00} in which the business or I have never taken out a loan or even owe anything as far as credit, loads or anything. I believe this to be fraudulent and improper. There are trade lines on my credit that also arise from this.
Product: Checking or savings account

I went to the bank ( Truist ) on XX/XX/2023 to withdraw some money from my checking account and was told the account balance was insufficient for my request. I spoke to the branch manager and she explained that a withdrawal of {$840.00} was made on XX/XX/2023 at another bank location outside of my district. She proceeded to file a claim for reimbursement for fraudulent/unauthorized activity. I called the fraud department on XX/XX/2023 to check the status of the claim and was told my claim was denied because I did not report the fraud within 30 days of the transaction. I explained that I could not report the fraud within that time frame because I did not know the transaction had taken place until XX/XX/2023, and I filed a claim that very day. I filed an appeal and was told the appeal was denied as well. I called the fraud office again on XX/XX/2023, explained the situation and how I could not file a claim before XX/XX/2023 because I had no idea of the fraud before that date. I also requested what process was used in their investigation and was NOT provided with any futher information. I explained that if they would review the surveillance during that transaction and the forged withdrawal ticket, they would be able to see that I was not the one responsible for the transaction. I put my money in the bank for protection and for the bank to allow someone to STEAL it is just wrong.
Product: Credit reporting or other personal consumer reports

ACCT # : XXXX SSN : XXXX XXXX : XXXX/XXXX/2994 ID : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Dear XXXX XXXX XXXX : I recently received a debt collection notice from your office with an account number # XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX  I advised the 3 credit reporting agencies EXPERIAN XXXX AND XXXX that this is my THIRD WRITTEN REQUEST asking them to remove or correct unverified, inaccurate reporting accounts listed on my credit report which is negatively remain on my credit report in violation of 15 U.S.C. 1681. warning them that they are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of their first and second re-investigation, they stated in writing that they verified that these items are being reported correctly. I provided proof of inaccuracy. yet still nothing got removed or updated.
Product: Credit card or prepaid card

I have been charged a late fee in XX/XX/2019 by Wells Fargo because my payment was cleared before their billing cycle ended. As a result, they took the payment and applied it to the balance and did not count it towards my payment that was due on the XXXX of XXXX. Their representative stated this is clearly outlined on my statement when in fact there is nothing. According to her, my payment needs to be made after the close of the billing cycle in order for it to be applied to the current statement balance. 
In other words, if I make a payment on the first of the month, and before the XXXX of the month, Wells Fargo applies this as an additional principle payment and ignores the current amount due. They then charge me a late fee of {$38.00} and add {$1.00} of interest to the next payment. 
I received no notification that I had a late payment or an explanation as to why my payment was not applied to my account other than it was outside their billing cycles.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
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Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the treatment of charge-off accounts by credit reporting agencies XXXX, XXXX, and Equifax, in violation of 15 USC 1681 ( 2 ) ( a ) ( i ). This issue pertains to the improper categorization of charge-off accounts as income by the Internal Revenue Service ( IRS ) XXXX as well as the inclusion of these accounts on my credit report despite legal prohibitions. The IRS considers charge-off accounts as income, which is a policy that is fundamentally flawed and unfair to consumers. Charge-offs represent debts that have been deemed uncollectible by creditors and are typically written off as losses. However, the IRS treats these write-offs as income to the consumer, resulting in tax liabilities for individuals who are already facing financial hardship due to the inability to pay off these debts. Furthermore, according to 15 USC 1681 ( 2 ) ( a ) ( i ), credit reporting agencies such as XXXX, XXXX, and Equifax are prohibited from reporting information that is inaccurate or can not be verified. Charge-off accounts, by their nature, are debts that have been discharged or written off by creditors and should not be included in credit reports as they no longer represent active obligations. Despite these legal mandates, I have observed that XXXX, XXXX, and Equifax continue to report charge-off accounts on my credit report, which is not only inaccurate but also damaging to my creditworthiness and financial standing. This practice creates unnecessary obstacles for me in obtaining credit, securing housing, and accessing other financial opportunities. Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure that XXXX, XXXX, and Equifax comply with the provisions of 15 USC 1681 ( 2 ) ( a ) ( i ) by ceasing the reporting of charge-off accounts on consumers ' credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake Financial is showing on my consumer report as a chargeoff. A chargeoff is a worthless debt, a non collectible debt, I've not received a 1099-C for income being reported on my consumer report. This is a violation of my consumer rights. 5usc552a privacy law broken and should be

removed in 4 days. 15usc1681a-4 privacy obligation not kept. 15usc1681b no permission to place on my consumer report. They didn't have my written consent to place a item on my consumer report. They have never produced a wet ink signature within 15 days of the dispute as proof of ownership of the account. 
Each violation is {$1000.00} and or prison for 2 years for placing these on my consumer report.
Product: Student loan

Previous complaint XXXX did not fully resolve issue before being closed. 

Previous servicer ( MOHELA ) raised XXXX after income recertification. Income recertification date extended after XXXX raised and XXXX was not reverted back to previous amount. Since this complaint issued, servicer was changed to XXXX. XXXX is now in forbearance due to SAVE injunction. 

Complaint is that MOHELA collected higher XXXX and did not reduce XXXX back nor did they refund money after income recertification date extended.
Product: Credit card

I have a credit card with Bank of America. 
I was late paying my account in XXXX because I was out of town. They stopped sending me statements saying I requested that. They kept sending me requests for payment which I continued to send to them. 
I contacted them on XX/XX/year>. They told me I was still overdue. On XX/XX/XXXX I contacted them and requested my refund since it was now an overpayment as well as paper statements from now on. They said the refund would be paid within 10 days. It never came. I contacted them again asking about my refund and requesting my account to be closed. I requested to talk to a supervisor who told me they would send me a refund, which now because I made another request would take another 10 days. The clock had to start all over again. That last request was on XX/XX/XXXX. Still no money. I called today with the same results. 
I have depleted my savings account and cant pay my bills since they have all my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently reviewed my Credit ProfilXXXX and see numerous accounts of alleged debts that I am not aware of. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both myself and my husband are victims of IRS FRAUD, MORTGAGE FRAUD, PRONZY SCAMS FROM HARD MONEY LOANS, MORTGAGE FRAUD and CREDIT FRAUD. We were unaware of any of this taking place which apparently stated in 1998. Our attorney and tax consultant instructed us to ensure we have secured property deeds, We revealed an embezzlement ring which, appear to include high ranking individuals. Due to security issues I will not release this information. We have attorney 's involved. As we continued to reviewed are credit bureau we later discovered fraud charges on our credit cards and bank accounts.It appears particular individuals directed the heads of particular companies to ensure we loose everything we have worked for. I testified for a XXXX XXXX XXXX client who was severely XXXX both on a local and national level and the state of Georgia Retaliated against my agency. The vandalism to my home, thefts to include death threats still continue. The attorney hired by the agency sold me out to cover others. My XXXX number was taken and THEY HAD THE AUDACITY TO RELATE IT TO FRAUD BECAUSE I would n't agree to the COUNTER SETTLEMENT. I WILL FIGHT UNTIL EVERY PERSON INVOLVED IS CONVICTED!