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

I have sent multiple letters to TransUnion for the past year citing fraudulent information being present on my consumer credit report. For over a year I constantly get stall letters from TransUnion stating that the complaint did not come from me despite confirming to them on numerous occasions that I am the one submitting these disputes and providing identifying documentation.
Product: Debt collection

On XXXX XXXX 2021 XXXX XXXX sent a debt collections letter claiming there is a balance of {$620.00} cents from a loan they purchased from XXXX XXXX. On XX/XX/XXXX CAPIO PARTNERS reported to the XXXX Credit a bad debt of {$2200.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for the American Express, Delta sky, Miles flex perks account. 


The Delta sky club advisor told me I would get an incident response once I applied. I informed the sky club representative that I had a freeze on my credit report, and they advised to submit the application I didnt receive instant approval and the advisor told me to then remove my freeze and apply again. After reading the fine print of the card, it clearly stated do not apply. Multiple times Because I was ill advised I think American Express gave me the lowest limit based on my credit account being locked and froze This card is the only card that allows access to Delta sky club and has the additional promotional offers when you spend a certain amount within your first few months of having the card. It was also a referral from another American Express flex, perks card member.

I didnt receive any approval letter electronically. I didnt know I was approved until the card came in the mail with an extremely low credit limit.

My credit score is in the XXXX my income is very substantial without giving personal information. My credit limit is not in line with what American Express has given other consumers that have much lower credit, scores, and income levels. 

When I tried to call and speak to someone in the fair lending department, the American Express customer service rep could not get me over to anyone, and said my only option to increase my limit is to put in a request that was instantly denied. She then went on to explain her computer system did not allow her any options to get me to anyone physical to talk to. 

I asked her to file a complaint and the rep filed the complaint without understanding the full story or articulating my concern, so I was not listen to nor understood, nor was my problem solved.

My complaint to this bureau is to point out unfair lending practices, bait and switch tactics, and any consumer should be able to speak with someone in the finance department or fair, lending department, when being excepted to have an American Express card.

I also want to point out that I should be getting additional benefits because this was a referral from another card member but not only is my account not set up properly neither is the other cardmember Thirdly, with a low credit limit. Its impossible for me to get the promotional offers. If you have to spend {$6000.00} in a certain amount of time, but your credit limit will not allow you to meet those requirements that is also unfair and predatory in my opinion. It will also negatively impact my credit score by having such a low limit
Product: Debt collection

XXXX XXXX XXXX is acting in bad faith by attempting to collect on a debt that does not belong to me. The original creditor, HSBC Bank USA, has already acknowledged that the debt no longer belongs to me and is a result of credit card fraud and Identity theft and closed the accounts. However, XXXX completely ignored HSBC and is incorrectly and maliciously reporting my accounts to the credit reporting agencies despite my numerous follow up letters. I am requesting that XXXX cease from reporting my closed HSBC accounts to the credit reporting agencies. 

I have attached a court order from the judge issuing me a restitution of {$49000.00} as I was a victim of a burglary and subsequent credit card fraud and ID theft that resulted in the criminal XXXX XXXX illegally using my credit card. XXXX XXXX XXXX is currently serving time in prison for his crimes against me.
Product: Money transfer, virtual currency, or money service

I am in the process of selling a foreign owned condo property. A foreign bank wire transferred the amount of {$9500.00} USD from my realtor 's account into my personal savings account with American Express online personal savings bank. The transfer was made on XX/XX/XXXX and I have an electronic copy of the transaction. The money never showed up in my account. I received a voice mail from American Express on Thursday, XX/XX/XXXX to contact them about my account. I called back and was told that they do not accept wire transfers from third party accounts and they gave me a transaction number to confirm the return. The number is XXXX. They refused to provide me with an electronic copy. 

American Express left any email to contact them on XX/XX/XXXX. I received it after business hours, but I called and spoke to a customer care agent. They said they don't know why the banking operations area called me and I needed to call back during regular banking hours. On Tuesday, XX/XX/XXXX I called the banking ops center and was told that they received a wire transfer on my account and they tried to call me to verify account holder, but my phone didn't ring ( XXXX had a nationwide outage when they attempted the call ) so they returned the transfer on XX/XX/XXXX. They gave me a different number, which is : XXXX, a different transaction number. I asked why they told me the sent the money back on XX/XX/XXXX for a different reason -- the customer care agent I spoke to said that they don't accept transfers from 3rd party accounts. Furthermore, if they needed verification, then why didn't they ask for it when I called them back the prior week. And why did the agent give me a different transaction number. If the money was returned on XX/XX/XXXX, then where had it been since XX/XX/XXXX? I haven't been paid interest on this money. 

American Express has no explanation for the discrepancy and different stories of when the transfer was made and is again refusing to provide proof. They said proof is against their policy. They have also refused to set up a call with the bank to help find the missing funds and are now claiming they have no further responsibility. 

As of this morning, the transfer has not shown up in my realtor 's bank account. Given the discrepancies in the American Express reporting and refusal to provide proof of the return of the funds, I don't believe the funds were transferred. Is there a legal recourse? I seems American Express bank is incompetent at best and fraudulent at worst.
Product: Debt collection

Although this matter has been handled on my part, because the account is still reporting, I am within my consumer rights to ask for the contract and all details in the reporting of the VIN # /Account number. And this information, by law is to be submitted to me not later than 15 days. Do not hesitate to include a full accrual account as well.
Product: Debt collection

I am interested in deleting all inaccuracies on my credit report with Experian.
Product: Checking or savings account

Chime reached out via email asking for proof of identity, or they were going to lock my account. I was surprised because Ive been a customer for four years, but knew I needed to send my license ASAP. However, I have XXXX kids, including a XXXX  and XXXX  so I forgot. When they closed my account, I immediately remembered and sent them the document they asked for with an apologetic email. They replied asking for more documents ( utility bill, social security card, etc ) so I sent those as well. Ive received virtually no correspondence since. My emails go unanswered besides generic replies asking me to submit the documents ( that Ive already submitted a week ago now ) all of my phone calls go to representatives who give the same generic response- We will urgently send this to the appropriate specialists and theyll reach out within 24 hours yet still no word from said specialists. They wont unlock my account or even keep me updated, and like I said, I have XXXX children to care for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have reached out to Equifax several times in regards to the  13  inquires I have on my account which does not belong to me I have no knowledge of these inquires and would like them to be removed immediately. I 've sent on several occasions to Equifax the below mind you I have no inquiries on my   XXXX   report at all as far as these inquiries Equifax has.   I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : Firm offer of Credit, Insurance, Employment, or Court Order
Product: Debt collection

The original debt was with XXXX they quoted me one price and continued to debit another amount from my checking account. This was a bait and switch. I voiced my concerns with the agent and nothing changed. 
AWA collection also changed the year to reflect a more current date in order for this debt to remain on my credit report for a longer period of time which goes against the Fair Credit Reporting Act. This is fraud.
Product: Debt collection

USAA Collects on Idenitity Theft I am a victim of Ideninity Theft I have contacted USAA to let them know I HAVE NEVER HAD A CARD ENDING IN XXXX  DEMANDING {$290.00} FROM ME today ( 5Xs ) * to No Avail THEY DID NOT ONLY THREATEN. TO RUIEN MY CREDIT THEY SUCCEEDED IN LOWERING MY SCORE BY 93 POINTS
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payments and Privacy Violations I am writing to formally dispute inaccuracies on my credit report as provided by XXXX, Experian, and XXXX. Specifically, I have identified incorrect late payment entries that are both inaccurate and unjustified. 

Incorrect Late Payments : The reported late payments are inaccurate. I have consistently fulfilled my financial obligations, and these entries are damaging to my credit profile. 

XXXX XXXX XXXX - XX/XX/year> - PAID IN FULL - XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XX/XX/year>, XXXX XXXX CLOSED Furthermore, I am deeply concerned about the recent XXXX data breach XXXX in which my private and sensitive information was exposed without my consent. This constitutes a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ). I expect XXXX to take full accountability for safeguarding my personal information and to rectify any misuse that has resulted from this exposure.
Product: Debt collection

Saw a hit on my credit bureau from a collection company. I called the number and was told they were collecting for XXXX XXXX. I advised that the debt was not mine and I had never received notice of debt before going on my bureau. They told me they had the wrong address which is why they did not notice me. I told them to remove debt and they refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account citi bank/ brand source has been settled and payed off with XXXX XXXX XXXX. They are still are reporting a balanced owed
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Information : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX, ( XXXX ) XXXX To whom it may concern, I just received my report and I think its wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be investigated. Please make sure everything pertaining to my credit report is correct. 
I have XXXX accounts open and have only XXXX account number, XXXX amount of {$4900.00}/ account XXXX shows {$15000.00}. 
I have already paid off my student loan debt though my over XXXX years of service in the XXXX XXXX. The XXXX XXXX by contract with me under the Student Loan Repayment Program, I signed XXXX XX/XX/XXXX. The debt ( approx. {$60000.00} ) was paid by the XXXX on or about XXXX. I paid taxes in XXXX for earned income credit when XXXX XXXX paid off student loan debt. I didnt receive any correspondence about my student loans until on or about XXXX. 
I have asked XXXX and the others before it was bought ( several times ) out to clarify and validate the following on all open/closed accounts. I have never received any specific correspondence in any regards to the accounts reporting to the credit bureaus. 
I have asked repeatedly for XXXX to provide the following information : *Loan origination documents *Pay off disclosure *Interest rate disclosure *Balance history ( with all companies that must be assumed to hold this debt since origination ) *Complete payment history *Credit insurance I, validate account Creditor Information XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX XXXX XXXX XXXX : XXXX Account XXXX : Unknown This account should be closed, and so old that is should be removed from my history as an aged account. 
I respectfully ask for you to provide some kind of proof on these alleged items, specifically the contract, note, or other instrument bearing my signature. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
I also understand that under federal law, you have thirty ( 30 ) days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided in fifteen ( 15 ) days of the completion of the re-investigation. 


CFPB please look into this matter, so that I can get the corrections on my credit report to reflect more appropriately in accordance with the law, so that I will be able to purchase a home for my daughter and I.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX XXXX 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019, someone obtained my personal information and fraudulently opened a Kohl 's credit card in my name, as well as applied for 2 other store credit cards with out my knowledge. The Card was sent to my address, as well as a letter in a separate envelope from Kohl 's stating they couldn't verify my information, and suspected fraud, yet they continued to open the credit card anyways. I was completely unaware of any of this. I check my credit on a weekly basis, and nothing showed up on my credit until a week after the events occurred. I contacted all three credit bureaus to place a fraud alert for one year on my credit file. I called Kohl 's to let them know of the fraudulent activity. They said they would close the account, and make the inquiry a soft inquiry instead of a hard inquiry. Then a few days later the Kohls credit card showed up on another credit bureau, which I will now have to contact them again and have that removed as well.
Product: Student loan

I made two payments earlier this year to start paying off my student loans through EdFinancial. First, I made a {$2000.00} payment on XX/XX/year> ( Taken out of my bank account on XX/XX/year> ). Second, I made a {$1000.00} payment on XX/XX/year> ( Taken out of my bank account on XX/XX/year> ). Both payments seemed to go through fine but when I went to make another payment about a month later I realized these payments had not shown up in the payment history. I contacted EdFinancial and they told me that since the loan was recently taken out it can take up to 90 days for payment to show up correctly. So I waited the 90 days and nothing has shown up. I started to research if this had happened to anyone else and found that I lot of people had similar issues and the only way they got their payment to show up was by sending in a complaint through here.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent disputes to the three bureaus about unauthorized use of my credit report. I have yet to hear back from them 30 plus days later.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent out letters on XX/XX/2022 and XX/XX/2022, to the three bureaus XXXX XXXX, XXXX, and equifax and still no response. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 




1. Validate Account XXXX XXXX XXXX XXXX XXXX  Account Number : Please remove it from my credit report.

2. Validate Account XXXX XXXX XXXX  Account Number : Please remove it from my credit report.

3. Validate Account XXXX XXXX Account Number : Please remove it from my credit report.

4. Validate Account XXXX Account Number : Please remove it from my credit report.

5. Validate Account XXXX XXXX  Account Number : Please remove it from my credit report.
Product: Credit reporting

I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2015
Product: Debt collection

I submitted an application for a loan discharge and was denied. I Received documents stating that I withdrew from XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, NY XXXX on XX/XX/1989. As I stated I never lived in NY or attended a school by the name of XXXX  XXXX XXXX in NY. The school I did attend was a free program and closed while I was attending. I requested for any and all documents pertaining to this loan under the FOIA and received 110 pages including a borrower 's rights letter and 1 page from a promissory note. Copies of this voided promissory note were sent to CFPB account numbers XXXX-XXXX, XXXX- XXXX and XXXX-XXXX. Also, Ms. XXXX XXXX from the State of IL. Attorney General Office file number XXXX and the credit bureaus. By law, a promissory note is voided if it has been altered or incorrectly written. This Promissory note does not contains all the legal detail which must include interest rate, the full amount of the loan, and payment frequency. In this Promissory note, theres only section E and F and state about a page 4, the other pages that state paragraph 1 through 17 have been added also, the pages are not number. I disputed with the credit bureau and it has been removed
Product: Mortgage

XXXX I applied to Citibank for a loan repayment plan because I had fallen one month behind on my mortgage. They granted me one and I made the first payment. Then Citibank contacted me and said I did not have a repayment plan because the person that set it up did not have the authority to do so. So I applied for a loan modification. After months of submitting documents ( 2 and 3 times ) Citibank offered to extend my mortgage over 40 years saving me {$65.00} per month. No principal or interest rate reduction. I declined because I have been paying on this mortgage for 16 years and the change would have shifted most of my payment back to interest, reducing how much went towards principal. In XXXX XXXX I received a call from Citibank asking me if I still wanted the loan modification. I told them no and that it would benefit them much more than it would help me. Then in XXXX XXXX I received a letter from Citibank saying they had set up a escrow account for my homeowners insurance and my payment would increase by {$520.00} per month. My homeowners insurance is only {$210.00} per month. After 90 minutes on the phone and having been transferred 4 times, I was told the escrow was required because I had accepted a loan modification. This was not true. They had also paid off my homeowners insurance through XXXX XXXX, XXXX. So I had to straighten this mess out with my insurance company. But my biggest complaint is that they were trying to get me to accept a loan modification that would only reduce my base mortgage payment by {$65.00} per month, while adding an additional {$310.00} per month to me insurance expense and shifting most of the payment from principal to interest. They never told me this part or that I would be required to escrow my homeowners insurance. Fortunately I never accepted this horrible modification. But how many others fell for this trick and ended up paying more each month while having less go towards their principal? I believe this is a predatory loan practice on the part of Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX