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

I submitted a letter to XXXX, XXXX, and TransUnion Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 

XXXX XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Student loan

In 2013 I took a private student loan with Sallie Mae for my son who is still in school. I took a loan with a fixed interest percentage, and I 'm suppose to pay only interest while he is in school ; however, I always send an extra payment in order to decrease the loan. I have noticed that the monthly minimum amount changes, but I will not be able to tell you the exact amount because the do n't send statement and when I sign into the website they provide you a list of peymrnts received but they do n't provide how yo retrieve statements. The original loan was for XXXX and it is XXXX
Product: Mortgage

Back in may i received an offer in the mail to refinance my home. I called the company and spoke with a loan officer who went through pulling my credit and completing the paper work even after I said I did not think my house was worth the amount of money he was projecting to refinance and get cash out. The loan officer lend me to paying for an appraisal that they said would be reimbursed during closing with my credit card. After a week of consideration I decided to no proceed with the process because I felt the decision was rushed and did not make sense at the moment neither did the value of the home high enough as he was pushing. In XX/XX/XXXX I sent him an email asking if I could know what the rates were I could consider a refinance without the cash out. Before he responded to me he went ahead and pulled my credit again without my approval I received a real time alerts with XXXX. After I asked him he said he was checking where things stood and I never heard back from him again. A few months later I called I was told he left the company that is why he was not responding to emails. 
I asked to speak to a supervisor and make a complain while on phone with the person that said they were in charge the tried to explain my frustration and complain but the person was not interest in listening and when interrupted me to tell ask me " is your credit really low '' I responded and asked why because I have an accent I have to have a low credit? he hanged up his last words were you are very difficult. 
I called back and asked to speak to a manager, I was on hold 15 mins and when one was available he came on the phone and said he will listen to the call and get back with me it has been well over 3 weeks now and these racial comments are just not a rare thing for this company that just goes under wraps.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit profile includes many fraud and or non authorized inquires and files that I have no idea how. I am not familiar to a lot of things but all of these accounts I rarely use if any my profile so I can't understand how this happen. 

I attempted to call the bureaus XXXX and XXXX but never was able to speak with anyone and I had no knowledge of the steps to take. 

As I've researched and learned I am now here. 

The following account below are Fraud and need to be removed from my credit profile : XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/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 XXXX XXXX XXXXXXXX* DP OF EDUC : 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 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

Due to fraud on my Bank of America account, a substantial number of unauthorized/fraudulent charges were posted to my account. My account had been set up for an automated debit for payment toward the card. By way of those automated payments, all legitimate charges had been paid. Because of the unauthorized/fradulent charges on my account, my account was closed due to fraud on or about XX/XX/year>. In connection the closing of the account, I was informed that I was not personally responsible for the payment of those fraud charges. However, since closing the account, Bank of America has called me more than XXXX ( XXXX ) times saying that I still owed amounts on the closed account. I repeatedly explained the closure of the account due to fraud and that I did not owe the amounts for the fraudulent charges. Up until the time of the fraud, I had an impeccable payment history on the credit card. After the closing of the account, I did not make any further monthly payments, as I was told that I was not personally responsible for the payment of those charges. Nonetheless, Bank of America has reported my account as in default, with late payments, since the closure of the account. Bank of America 's incorrect reporting to the credit reporting bureaus has substantially damaged my credit score.
Product: Debt collection

Midland credit management sent me a threatening letter telling me I owed them. Said I'd be fired if they had to garnish. I sent a letter requesting more information because the treating letter was very vague. 
No response. No official court letters. But now they garnished XXXX from my employer. No. Notifications. At all. Clear fdcpa violation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

One day, surely over month into my 6 policy period with progressive which I pay upfront, i received a letter stating I owed {$100.00}. Numerous attempts on the phone and requesting supervisors to explain this charge, resulted in nil. They continued to constantly call, back to back, even on weekends without an explanation. Again, this was a 6 month policy that i had renewed and had no changes. They eventually sent to Caine and Weiner, who called and gave they impression they were law enforcement. When they would call, they would mumble who they were so you really couldn't determine who it was or what it was about. They then sent me a letter stating debt collection owed, but no explanation. I sent a cease and desist letter to them on XX/XX/23. They once again communicated via mail XX/XX/23, clearly in response and in violation of my cease and desist. Same letter, no explanation. Both parties have violated the CFPB regulatory rules.
Product: Credit reporting

My credit card from XXXX ( Account number XXXX XXXX XXXX XXXX ) was stolen in XXXX 2011 and reported to the police. I have the police report. I have contacted XXXX and submitted several documents, including the police report and statements from me and my wife, and they have refused to delete the negative information from their records and from Experian. XXXX XXXX and XXXX deleted the information, but Experian will not delete it without XXXX " signing off '' on it. Please help! I 've been trying to get this straightened out for over a year now.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Update of Personal Information and Deletion of Incorrect Data Dear Sir/Madam, I am writing to request an update to my personal information on my credit report and to ask that any information that no longer matches my updated details be deleted. The information currently reported may be outdated or incorrect, and I want to ensure that my credit report accurately reflects my current personal details. 

Current Information on File ( as per my credit report ) : Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX 
Date of Birth : XX/XX/XXXX Social Security Number ( last XXXX digits ) : XXXX Updated Information : Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Phone Number : ( XXXX ) XXXX Email Address : XXXX Please update my credit file to reflect the correct personal information. Additionally, I request that any outdated or incorrect information that does not match the updated details be removed from my credit report. If there are any discrepancies, I expect that they will be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

If you require any additional documentation or have questions, I am happy to provide further information. Please notify me of any actions taken and provide me with a copy of my updated credit report once the changes have been made. 

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

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I previously have filed a related complaint on " didn't receive advertised offer '' ; now I am filing for " misleading and confusing terms ''. 

I have applied for Chase freedom unlimited because of a promotion mail last week. I searched for the freedom unlimited card online ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which clearly states 5 % cash back on groceries store up to {$12000.00} within the first year. As of Tuesday ( XX/XX/2021, see screenshot attached below ), I searched Freedom unlimited, and the first link title advertised for the 5 % groceries store cash back. With these in mind, I applied through the link provided in the mail. Then I noticed that the 5 % groceries is missing, but it is still the exact same card, so I called the customer rep. The customer rep repeatedly confirmed that the 5 % cash back on groceries promotion ended as of XX/XX/2021, and I applied XX/XX/2021. However, all the official websites and links still have this promotion. I was very confused, and filed for the first CFPB complaint. 

Next, XXXX from executive office got back to me. I actually was not able to reach him for a couple of times, but then finally reached him through another exec. He did not mention what the customer rep have said, and simply said that my offer through the mail is different from what is widely advertised online. I then asked for a public offer match, he deferred me to the marketing team. One marketing team manager indicated they would look into why my mail offer was different ( she said they do not know why my offer was different and not sure what was missing ; if it is a mistake they would correct it ), and was not able to provide an answer immediately. She said they would get back to me in 3-7 business days. Next, XXXX from the executive office called me, saying the same thing XXXX told me initially. 

Since there is 1 ) no timing difference between my mail offer and public online offer, and 2 ) no source difference ( all from Chase official channel ), I do not understand this promotion difference. It seems freedom unlimited promotion team or marketing team or operations team was intentional in tricking the customer. It is common for customers to look up a card, the reviews, and related information online. The online official website did not clearly indicate that offers maybe different from mail, which may exclude any of the promotion offer.

Thank you for the help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXXXXXX was listed for an inquiry on my credit report.Other inquiries listed below : Account name : XXXX XXXX. 
Account name : XXXX XXXXXXXX XXXX 
Account XXXX XXXX XXXX 

All have violated my rights. 15 U.S.C 1681 section 602 A.States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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 of 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with Bank of America that has always been billed via paper statements. That said I have NEVER been late with them on any loan payment EVER. A few months ago they stopped sending paper statements which caused a 30 late on my credit report. I reported to them multiple times that I NEED to receive paper statement in order to pay bills on time ( this has never been an issue ever from them ). They agreed that the changes to the statements must have happened in error but can do NOTHING to aid me in fixing the issue with my credit report. The reps on the phone proceeded to berate me and say that it was my fault and that they are under NO OBLIGATION to ever send me a paper bill and that I must send payments on my own. They proceeded to hang up on me after telling me that I should take better care of my credit. I'd like to note that because of the error with statements I have made it a point to prepay 2 months in advance while this is being fixed and continue to stay ahead as the error with statements has not been rectified.
Product: Mortgage

I request funds from longbridge financial from my reverse mortgage .it has been over a month and I have not received the monies.the first request I waited 3 weeks no money.i called customer service and they resubmitted my request I called and they said the check was in the mail.that was 7 days ago. I feel like I am being scamed.I have bills coming due that I was going to use those funds for.now I will have to pay interest on my charge card.trying to reach someone by phone is really frustrating. It usually takes over an hour to connect with an agent.Do I have any recourse against this company?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

I was informed by XXXX XXXX on XX/XX/2023 that there was a hard inquiry on my credit report from XXXX XXXX Chase. I contacted Chase and they told me that a credit application for a XXXX XXXX XXXX was processed, approved and an account opened. I told them that this was not me and they informed me that identify theft has occured because whoever opened the account would have had to supply my social security number. They immediately closed the account and placed a fraud alert with XXXX which they said will also activate a fraud alert with XXXX and XXXX. At the same time I placed a freeze on my credit report for all XXXX  credit bureaus. I also signed up with XXXX ( XXXX XXXX XXXX ) so the fraud would not continue since now my social security number was out there. I then called back XXXX to dispute the hard inquiry since it was a result of identity theft.
Product: Credit reporting or other personal consumer reports

FOR SOME REASON MONEYLION KEEPS REPORTING THIS ACCOUT # XXXX AS A XXXX XXXX BANKRUPTCY ITS NOT AND THE INFORMATION NEEDS TO BE CORRECTED. FROM THIS POINT NOW AFTER DISPUTING FOR 2 YEARS THIS ACCOUNT TO BE DELETED OFF ENTIRELY. THE WHOLE HISTORY OF THIS ACCOUNT IS WRONG. 



REMOVE THIS ACCOUNT ENTIRELY.
Product: Credit reporting or other personal consumer reports

Upon checking my credit profile I noticed that the my credit has been compromised and the following accounts have been opened under my name XXXX XX/XX/year> {$340.00}, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX, 2023. I have filed a police report with my local police department as well as a report with the FTC. I've also reached out to the creditors and this issue has not been resolved. I've even disputed with Experian Equifax and Transunion and these items still remain. The results of their investigative results do not reflect record of me opening any account with any of these debt collectors who provided the alleged account information. This violates the FCRA Section 611a1A as I do not consent to e-oscar.
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 XXXX  : Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX : Account XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX : Account XXXX Account Name : XXXXXXXX XXXX XXXX XXXX : Account XXXX Account Name : UNKNOWN : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 of 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I would go to XXXX to put gas in my car and when i would pay extra and my car doesn't take the full amount i wouldn't get get my refund
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, This complaint is against Equifax on their incompetence with following updating accurate personal information. As of XX/XX/XXXX, I, XXXX XXXX XXXX, after months dealing with Equifax jumping through hoops I received a letter stating they had updated my date of birth to XXXX as for some fradulant info had my DOB as XXXX XXXX. That's odd because if I that was my DOB one of the fradulant accouts that were open I would have been 4 years old. 

Here it is XXXX and now my DOB is still incorrect in their system as they didn't update my DOB and they still have the fraudalent birthday on their file. They said they don't see a case # related to my name back in XX/XX/XXXX. That's strange I have a 18 page report here on my desk from Equifax stating they updated my DOB! ( Confirmation # XXXX ) I have attached that letter from their within this complaint. 

Abosolutely Insane as they are to protect us! Outdated questions on information about my past credit cards ext ext. This should be updated by Congress the amount of questions they can ask! 

I have sent emails, been on the phone with 3 supervisors, faxed them all information. In order to now track it again I went on line and upload information on their website which they sent me another case reference # ( XXXX ) with a different fax # on the cover letter which no suprise the fax # not operating!! ( Wonderful Customer Service ) I am trying to purchase a vehicle & they have placed an extended fraud alert on my account from XX/XX/XXXX and says on their file blocked for promotional purposes. Yet I have sent all my documentations and they continue to not have the info corrected in a timely manner. 

How is it that Equifax is still in business being at their mercy. I will want to be in a class action suit against them for all my troubles with this Burea. I have all my documents from XX/XX/XXXX with Equifax and the investigation stating my information had been updated. 

Now XXXX Still having the same problem with them! This particular dealership only pulls from Equifax causing me to possibly lose the rebate to buy this car. 

Your assistitance in this matter would be greatly appreciated. 
Thank you Kindly for your assistance and attention the urgency of this matter. 

XXXX XXXX