23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have been charged on my debit card for a monthly subscription with XXXX. 

XXXX charged another credit card as well. Subscription was never subscribed. My other credit card was refunded. 

My debit card charged and caused overdraft fees. I contacted Bank of America ; I spoke with XXXX from the dispute department. The person was rude and refused to dispute this transaction and to place a stop payment. 

My checking is overdrawn due to this transaction, and Bank of America has charged me overdraft fees. Unlike credit cards, this is my checking account and impacts my bill payments and everyday life. This situation is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion repeatedly that I do not recognize inquiries and that I did not authorize them. I have sent in police report and several letters that I have written to the companies. All to no avail. This is the type of predatory consumer bahvior designed to keep us in debt.
Product: Credit reporting or other personal consumer reports

This serves as my final notice before I pursue legal action. I have made multiple requests, and Im done asking politely. Despite my numerous notifications regarding inaccurate, erroneous, and unverifiable information on my credit report, no corrective action has been taken.

Under the FCRA, you are required to retain original documentation from creditors to confirm that the reported information is accurate and verifiable. In response to your investigations and subsequent reinvestigations, you stated in writing that this information is reported correctly. I have repeatedly asked for clarification on who verified these accounts, yet you have failed to provide any original documentation as required by Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Additionally, you have not provided the method of verification as required under Section 611 ( a ) ( 7 ). Per Section 611 ( a ) ( 5 ) ( A ) of the FCRA, you are obligated to promptly delete any unverifiable information.

Sections 616 and 617 offer legal recourse if a credit reporting agency is noncompliant, which applies here. Since you have claimed verification of these accounts without providing any supporting information, I am giving you a final opportunity to DELETE the accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit through XXXX XXXX website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.
Product: Debt collection

During the COVID 19 Emergency, 1. ) XXXX XXXX XXXX XXXX XXXX XXXX  ( AND XXXX XXXX XXXX Trustee ) has refused our request for Forbearance during the COVID 19 Emergency Period on ; XX/XX/2020, XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 and XX/XX/2020. 
2. ) The foreclosing attorney for the Plaintiff, XXXX XXXX, XXXX ( Trustee ) XXXX XXXX XXXX on XX/XX/2020, XX/XX/2020 and XX/XX/2020 contacted us via email through our attorney offering us money to vacate our sole/primary residence. We did not ask for a relocation settlement/assistance as this a contested foreclosure. The repeated solicitations for us to vacate our residence using financial enticement of {$10000.00} during the COVID19 Emergency Period is abusive, cruel, reckless and has caused our family severe emotional distress. 
Servicer : : XXXX XXXX XXXX ( Loan # XXXX ) Trustee : : XXXX XXXX, XXXX ( XXXX XXXX XXXX Trust Services ) Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

What is this so much inaccuracy on my credit report? 120 days late for each month? what is that? 30 days each month and its 120 days late? Ridiculous. This status is false and incorrect! CFPB step up and remove the 120 days late on XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX and the mortgage company Selene Finance altar the loan modification that me and my parents signed back in XX/XX/2020. I signed as a borrower along with my father XXXX I'm power of attorney for my father he has memory loss. And I'm power of attorney of my mother XXXX, as of XX/XX/XXXX, of this year. And I'm also a borrower too. But I'm not listed as a borrower on the new loan modification. It has been reordered on XX/XX/2020, at XXXX XXXX., in XXXX XXXX county California. My father and I are joint owners of the deed and I sent a copy of the deed to Selene Finance along with a letter asking them to put my name on the modification loan and they didn't add me on the front page of the loan. They added my brother XXXX, and he isn't on the dead he is just a renter and he didn't sign the loan modification. They also left out an important page that I gave my bank XXXX account number and routing number so they can automatically withdraw monthly mortgage payments. And they even left out the power of attorney papers too. I didn't see any of the pages on this loan modification that is reordered back in XX/XX/2020. And I was told once the loan modification when recorded that all three credit scores would show that I own house and that I am making the Mortgage payments to Selene Finance. As of today, XXXX doesn't have me paying mortgage payments to Selene Finance. This has been a big hardship on me I have to call and make monthly payments over the phone and I had to wait sometimes over an hour to speak to an agent and a lot of times I would get cut off. And I can not refinance because my credit score is low because of Selene Finance not reporting my information to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX, has 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I am creating a complaint against TransUnion, for ignoring my disputes resulting in inaccurate items on my credit report. I have looked up online how to dispute and what items I can have removed from my credit report. So I have created letters and sent them to Transunion with no result. I feel like my right as a consumer has been violated by Transunion because they aren't doing their job and investigating my letters. I know they make money from the number of items that are kept on a person 's credit report but not if it's false and harms my future to get approvals for more credit and lower interest rates that are not right at all. Instead, Transunion sent me this generic stalling letter which makes no sense when my letters are made by me. I don't know what else they want me to do come down there and have them watch me create the letter and hand deliver it to them. the dates that I have sent Transunions letter with no response or change to my credit score : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX over a year and nothing has changed this is completely unacceptable that they are treating me like this.
Product: Credit card

My Best Buy card was used on a purchase and I chose XXXX  months no interest. I was told after the XXXX  months the interest would start. Due to a Citi Bank policy change, Best Buy never knew about, after the time expired they charged me accrued interest and a fee totaling nearly {$700.00}. They also changed my monthly payment from {$110.00} to {$590.00}. 
I told them I was mislead on this and they said, " I should have read the terms. That's not their fault. '' So I cancelled that card and went to make my standard monthly payment. They have since called me XXXX times in the last XXXX days.
Product: Debt collection

They continue to call me on my cell phone and at work. Yesterday they called my work 20 times and keep harassing the receptionist and refuse to talk to HR when she tries to forward them there. The man 's name is XXXX and I told him to only call me on my cell phone as I can not receive calls at work and have already been talked to by my employer about the phone harassment they have been receiving. He yells at me with vulgar language and threatens that he will have the judge garnish my entire paycheck.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated protected consumer rights to privacy and confidentiality under 15 U.S.C 1691. 

XXXX XXXX Account # : XXXX, XXXX Account # : XXXX, US DEPT ED Account # : XXXX, XXXX Account # : XXXX, These accounts has violated my rights. 
15 U.S.C 1681 section 602 A states that 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 an account without my written instructions.

15 U.S.C 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items 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 or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep having someone applying for credit in my name without my consent. I've had to file another FTC report to try and get these inquires removed from my credit report.
Product: Credit card

I paid off the ballance of {$1100.00} which was the full ballance of what was owed. Now Bank of American is charging an interest charge of {$8.00} on the the next bill. I called them and they said it's a residual interest charge. As I do have other credit cards none have ever done this.
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. This account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent collection on my credit report that does not belong to me for a XXXX  bill I have no idea where it came from or who it is for. The account is involved in litigation where the account # is XXXX that is located on my XXXX XXXXXXXX and transunion report. The data gets removed and comes back every 30 days and I don't understand why this account that has nothing to do with me and does not belong to me keeps on reappearing on my account where I am going to sue all 3 bureaus where I am looking for a rental property and this is severely hurting my credit and getting me really upset. The next step for me is contacting my lawyer and suing filing an arbitration.
Product: Mortgage

I, XXXX XXXX, am writing this to whom it may concern, that I was diligently contacting my loan officer once a week letting her know what was going on with the Texas Homeowners Assistance Association and she never once said anything to me about making payments arrangements to pay my property back taxes or informed me of the incoming foreclosure I have coming up this Monday, XX/XX/. My loan officer works for Ovation Services and I have tried to contact her multiple times to inform her that I need more time so the company Texas Homeowners Assistance can help lend and assist in paying half of the owed property taxes so my home can not be foreclosed. I am fighting against the back taxes that I owe to this property tax lending company and have been cooperating with Texas Homeowners Assistance so they can help pay some of the back taxes off so my home will not be foreclosed. The issue is Ovation Services is not accepting an extended amount of time for the federal grant to be approved for the full amount of my owed back taxes in the amount of {$47000.00}. Federal grants typically take a process to be approved and fully paid out and all I am asking is for extended time so I can pay off my foreclosure debt. I am in true need of extended time so that my property tax assistance company can pay off my back taxes and my house will not be foreclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a inaccurate Bankruptcy reporting on my credit file that doesn't suppose to be there. This was dismissed later and shouldn't be on my credit file with XXXX, XXXX or Equifax.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against XXXX and TransUnion for Inaccurate Reporting on XXXX  Account To Whom It May Concern, I am writing to formally file a complaint against XXXX and TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX  account ending in XXXX. Despite multiple attempts to address these inaccuracies, including disputes filed on XX/XX/XXXX and prior dates, the issue remains unresolved. 
Account Details : Account Number : XXXX High Balance : {$XXXX} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Balance Owed : {$XXXX} Closed Date : XX/XX/XXXX Account Rating : Closed ( TransUnion ), Paid ( XXXX ) Account Description : Joint Dispute Status : Account not disputed Creditor Type : Auto Financing Account Status : Closed Payment Status : Late 30 Days Errors and Discrepancies : Late Payments : TransUnion and XXXX XXXX reported XXXX late payments for XXXX, XXXX, and XX/XX/XXXX, despite the account showing a {$XXXX} balance and being closed as of XX/XX/XXXX. 
Inconsistent Account Status : The account is reported as " Closed '' in TransUnion but " Paid '' in XXXX, leading to confusion and inaccuracy. 
Lack of Verification : Despite disputes filed on XX/XX/XXXX, no corrections have been made, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
Violations of XXXX XXXX : 15 USC 1681i : Credit reporting agencies are required to investigate and correct inaccurate information in consumer files. Both TransUnion and XXXX failed to fulfill this obligation. 
15 USC 1681b : This section prohibits furnishing inaccurate information, which both bureaus are guilty of by reporting late payments that did not occur.

15 USC 1681s-2 : The data furnisher ( XXXX  ) failed to provide accurate and updated information to the credit bureaus, violating their responsibilities under the FCRA.

Impact on My Creditworthiness : The incorrect late payment notations have caused undue harm to my credit score, negatively impacting my ability to secure credit and financial opportunities. 
Desired Resolution : Immediate removal of the late payment notations for XXXX, XXXX, and XX/XX/XXXX from both TransUnion and XXXX reports. 
Correction of all discrepancies to ensure the account reflects accurate and consistent data. 
Written confirmation from both bureaus that these corrections have been made. 
If this issue is not resolved promptly, I will escalate my complaint further by filing additional complaints with relevant regulatory agencies and exploring legal action. 
I request a formal acknowledgment of this complaint and a resolution within 30 days. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove account that is UNKNOWN to me. I came across this law today and according to the XXXXer FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to block any account or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again. 
XXXX XXXX XXXX XXXX : {$930.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 XXXXXXXX Account name : # XXXX XXXXXXXX XXXX XXXXXXXX Account name : # XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX {$1300.00} Account name XXXX XXXX XXXX XXXXXXXX {$900.00} Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : # XXXX XXXX XXXX  {$420.00} Account name : XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} has 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 card

American Express induced me to open a credit card account and to spend {$3000.00} on the account with the promise of a {$500.00} statement credit which they are now refusing to honor. I opened the account online in XXXX 2016 and spoke with an American Express agent over the phone to verify the application details. During that conversation I inquired about the promotion that guaranteed a XXXX membership rewards points credit ( worth {$500.00} in statement credit ) whenever a customer spends {$3000.00} or more in the first three months of opening the account. The agent assured me that I qualify for it and that I would automatically be credited the balance. After spending about {$3500.00} on the account, I made more than XXXX separate inquiries over the course of three months with American Express via their customer service hotline over the phone and through their website to have the points credited to my account. American Express refused and continues to refuse to credit me with the reward balance, referring to its general terms that makes prior American Express customers ineligible for the promotion, a direct contradiction to the explicit assurances its agent made to me at account opening. American Express has now closed the account and transferred the claim administration to XXXX of its internal collection agencies as they continue to refuse to honor the promotion promise and have charged more than {$350.00} of late fees on the account. Throughout this entire process, I repeatedly assured American Express that I am willing to pay the entire legitimate balance ( after the {$500.00} statement credit and removal of all late fees ) at once, an offer American Express continues to refuse.
Product: Payday loan, title loan, personal loan, or advance loan

I recently reviewed a copy of my credit report and was shocked to discover that I am a victim of identity theft. I found multiple accounts that were not opened by me, which have been damaging my credit as i'm in the process of purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX/XXXX XXXX Balance Owed : {$630.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX -open XXXX  XXXX XXXX Balance Owed : {$1100.00} Date Opened:XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE all of the following UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX
Product: Debt collection

Upon looking at my credit report I see something that I am unaware is on my credit report. XXXX which states retail is an account purchased by First Point Collection Resources on XXXX XXXXXXXX XXXX I was unaware of anything concerning this account have no knowledge what this account is, it says retail. I do not know who this furnisher is. I have made several calls to this company asking them to send me anything that verified I owned this debt and while doing so to stop reporting it to the bureau and they still will not. I am a victim of identity theft and clearly do not know who this company is, or what I owe them {$320.00} for. 
Collection Agency : First Point Collection Resources Account number : XXXX Creditor : XXXX Date opened XXXX Date purchased XXXX Amount of debt : {$320.00}