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

TransUnion is reporting a XXXX XXXX account opened XX/XX/2016 that should be removed from my credit report but they refuse. Their website has not been working so and Ive waiting on hold for several days and each day it has been over 3 hours due to Covid-19. The information that XXXX XXXX reported was incorrect. XXXX and XXXX agreed that the account needed to be removed. Transunion is still reporting this inaccurate account on my credit report thus damaging my score. The account has been deleted with all other bureaus except this one. They are violating my consumer rights.
Product: Credit card

I've tried to pay off this Ulta Beauty credit card account with Comenity Bank in-full multiple times, and each time I am charged an additional late fee and interest fee after paying off the balance. This pattern continued over a year, and I have paid about {$300.00} in late fees and interest fees due to an inability to become current on the account. I tried paying the full balance of {$260.00} over the phone on XX/XX/2024, and shortly after I spoke with a service agent she informed me that the actual balance was {$260.00} due to a {$2.00} interest fee. She informed me that an additional {$2.00} was not paid for on my payment made that day, and I am unable to pay off the {$2.00} fee on XX/XX/2024. I was instructed to call back " later that month '' to pay off the {$2.00}. I told her I wanted to pay off the account so I can close it, and she said I could close the account today but I can't pay off the {$2.00} until next month. She then put me in touch with another customer service agent who was supposed to help me close the account. I asked if she could close my account and if there was someone I could talk to in order to file a complaint because of the inability to become current on my account. The customer service agent said she would connect me to a " supervisor '' and then ended the phone call. Neither customer service agents closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my file credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these accounts. 
XXXX BANK XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I went into a credit union and applied for a membership. I was told that I had a freeze on my Chexsystem report. I reached out and the told me they was able to removed the freeze. The credit union says that the freeze still remains. I reached out to chexsystems again and the said they could not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was breached, and now sensitive information such as SSN, credit card numbers, driver 's license numbers, etc., of over 143 million Americans are out for criminals to use exploit. Equifax did not notified affected customers in a timely manner, and instead took over a month before it officially dropped the ball that over half of the US 's population and some in XXXX and the XXXX was breached. The website that Equifax set up to let customers check if they were affect does not clearly state if one is affected or not.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> the loan with XXXX XXXX was paid off, It show accurate on XXXX but incorrectly on Equifax and XXXX. I have been requesting it to be updated numerous times and still has not. I want it now deleted from all credit bureaus.
Product: Debt collection

This was already settled and made payments towards it. Thai shouldnt be on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed items on my credit report that do not belong to me. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX X 2
Product: Checking or savings account

I attempted to withdraw my money from the savings account and the checking accounts on XX/XX/XXXX XXXX but my request was denied even though the account has sufficient funds at the time until they date and there was no explanation provided for the refusal.I reached out to the bank customer service but they couldnt not a satisfactory reason and referred me to the branch and there is satisfactory response from the branch as well. This has caused me significant inconvenience. As I need my funds in full from my savings and checking accounts to pay my rent my bills. I am seeking an immediately resolution to regain access to my funds and an explanation for the refusal I expect the bank to lift the restriction on my accounts and provide compensation of what caused to me for about a month for my damages incurred due to this issue I would like an immediately access to my funds to withdraw my funds I was also a compensation to the damages and I have experienced emotional distress because I was unable to access my funds because of the bank refusing to let me withdraw my money and I am seeking compensation for these financial damages and distress as well as for the inconvenience this situation has caused to me because I am unable to access my funds needed for essential expenses like my bills groceries and rent for about XXXX $ compensation from the Bank of America
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX, upon reviewing my credit report I noticed incorrect information. I am writing to delete the following items from my credit report as they are fraudulent and a result of identity theft. The items listed below were not initiated by me at any given point and are NOT MINE so please delete the following items off of my credit report, as I am providing you with my identity theft report which is an official statement of the crime. I am also providing you with my social security card and proof of address for your verification purposes. I AM AWARE OF MY RIGHTS UNDER section 605b of the fair credit reporting act that this fraudulent information must be removed from my credit report after providing the necessary information that is required along with this letter. THIS REQUEST IS TIME SENSITIVE, TIME CRUCIAL AND TIME CRITICAL THAT these items be removed off my credit report effective immediately as the items listed below are inaccurate and it is illegal to report inaccuracies to a consumer credit report. I would also like to remind you of the XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collector 's word. Please be sure to send me the results of this request. 
Thank you. 

Account Name : XXXX XXXX XXXX Account Balance XXXX $ Date Opened XXXX XXXX Account Name XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX $ Date Opened XXXX XXXX Account Name XXXX XXXX XXXX Account Balance XXXX $ Account Opened XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Balance XXXX $ Account Opened XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Balance XXXX Account Opened XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit card

I have contacted Resurgent Capital Services, L.P. to address a debt that was incorrectly attributed to me. Despite my efforts to resolve this issue, the debt remains on my credit report, and it is impacting my financial standing. I have provided the necessary documentation to prove that the debt does not belong to me and have requested that the company promptly correct this error. After many attempts, I see the company is not removing this inaccurate information from my credit report.
Product: Debt collection

XXXX is the employee ID number for CITIBANK - XXXX was the employee, however I have received numerous calls from them. That is harassment. If you think I owe any debt to your company send proof in writing only VIA MAIL. 
According to 15 USC 1692 may not harass or annoy.

I revoke all calls, texts, emails.

Please provide me 1099B form that I have continuously asked for, or I will take legal action. 
I demand all of these requirements.
Product: Debt collection

I hope this message finds you well. 

I am writing to formally request verification of an alleged debt associated with my account. Under the doctrine of estoppel by silence, as referenced in XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe it is essential to clarify the status of this debt. 

To the best of my knowledge, there is no proof of the existence of the alleged debt in question. Therefore, I kindly ask that you investigate this matter and provide me with any documentation or evidence that substantiates the claim. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( Account Name XXXX XXXX Account Number XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that XXXX XXXX XXXX have placed an inquiry on my EQUIFAX credit file dated XX/XX/2020. On multiple occasions I requested XXXX XXXX XXXX and EQUIFAX to verify these inquiries. They have yet to do so.
Product: Credit card

On XX/XX/XXXX I received a solicitation from American Express to add an Authorized user to my existing Platinum account and upon spending {$2000.00} on the Authorized users account, I would receive XXXX bonus points. I followed the instructions and added my son. We subsequently made the required purchases on his card and waited for the bonus. On XXXX I reached out to American Express via chat and they noted the information, stating they would research it and inform of a resolution. I provided the the solicitation email information ( I still have the solicitation ) and was told it could take up to 90 days to resolve. I reached out in late XXXX and was told they were still researching it. Since it wasn't beyond the 90 days, I accepted this and decided to follow up post 90 days. On XX/XX/XXXX ( well beyond the 90 days ) I again chatted with AMEX to follow up on my request. I was told the information I provided from the email did not allow for the bonus. The rep advised they would reopen the request and that it would take an additional 10 - 14 days.

Amex was deceptive in with this solicitation as I followed all requirements outlined in the solicitation, which I still have. I'm extremely disappointed in this discriminatory bait and switch tactic that AMEX used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureau about this problem several times please help me resolve this issue. I did not authorize these ( 3 ) listed inquiries on this date. 


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

On XXXX XXXX I contacted Discover customer service through their website chat application. I had received a 30 Day late report and I wanted to avoid further delinquency on the account. I told the agent who I chatted with that I was unable to pay the full balance on the account due to continued hardships due to Covid 19. I then told the agent I was unable to pay more than {$120.00} of the balance due. The agent stated they would accept the amount and then offered me a payment reduction plan that would lower my interest rate and my monthly payment and if I would be interested. I inquired if this would result in my account being closed and was told it would only be a suspension. I agreed to the disclosed terms of the agreement and authorized a {$120.00} payment. I then asked the agent if that payment would apply to the XXXX payment or if I would need to make an additional payment. He responded correct and that my plan would update to reflect the agreed up on {$100.00} payment for XXXX. On XX/XX/XXXX I received an email notification that there was a change to my credit file. When I reviewed my credit file Discover reported a 60 day past due on my account. I again contacted Discover through the Chat feature on their website and was informed that the arrangement I made did not stop the delinquency and it would continue to report. When asked why this wasnt explained in the XX/XX/XXXX Chat the agent apologized and stated there was nothing that could be done. I further asked why wasnt I afforded deferment or some other relief as that was the reason I contacted Discover to prevent further delinquency I have yet to get a reasonable explanation. I was informed by the agent that when asked if I could make a payment and I stated not more than {$120.00} that was an offer of deferment.
Product: Mortgage

Concerning the appraisal, we instructed XXXX ( Who works for AAG Case number : XXXX. ) to put in an appeal with houses that is more similar to my own a week ago. The appraiser used houses that look nor are in any why close to mine. I found houses that sold in within three months that looks and more similar to my own. As you can see the first set is the appraisers comparison, and the second is the homes I found in the same area of mine. The FHA appraiser should be investigated.
Product: Credit card

On XXXX XXXX I received text msg from Bank of America credit card charges from XXXX for XXXX transaction with the amount of {$890.00}, {$460.00}, {$540.00} & XXXX transsction from XXXX {$470.00} I called BOA right away and reported about the charges that is not mine. They gave temporary credit and this morning to my surprise they put back the XXXX charges from XXXX. I called them as soon as I saw the charges again and they said XXXX  denied the claim. My question was it is not my usual activity to buy that kind of transaction all at the same time in just 1 day. BOA didn't even verified to me if it was actually me. When I talked to the costumer service representative they just keep telling me to try and ask open the claim again hoping that the result will be in my favor. How is that fair to the consumer they should be able to see where was the purchase from and where was my card present at that time. I didn't buy any of those ticket not even in my history of purchase from those merchants. Itshould flag them that it wasn't me. I have all the tickets in my email because it was sent to me directly but I didn't purchase it. That would be unfair for me to pay for something I didn't purchase. XXXX refunded my money back but not XXXX. The XXXX  costumer representative said that the account was created on the same day as the purchase this is not the first time the I had fraud activity in my BOA credit card I don't feel secure using this bank anymore it scares me that the BOA doesn't help their loyal consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX XXXX - XXXX - is reporting inaccurately on my credit report with XXXX  & Transunion. This account is showing as a profit/loss Charge off  and it is NOT as such! I was only late on the account a couple times & when they repossessed it I got it back 2 days later and have been current ever since. I was only late a couple of times. It is not a charge off and I still have the car. It is reporting wrong and that is a violation under the law.
Product: Debt collection

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt 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. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
. 

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but
rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Product: Credit card or prepaid card

In XX/XX/2019, I hired a gentleman whom was advertised on XXXX and XXXX as XXXX XXXX as a Debt Allocation Specialist. He had degrees from XXXX and XXXX  XXXX and specialized in debt payments. 

Unbeknownst to myself and both my Navy Federal and XXXX checking and savings accounts, XXXX gained access to my home network server and gained an entrance to every single bank account and credit card that I possessed. XXXX, single handedly went into my Navy Federal Account and made cash advances on each of my credit card and maxed them out. I am currently liable form almost {$80000.00} in fraudulent and reversed charges because of them person. 

My complaint comes at Navy Federal Credit Unions lack of investigation. According to the NCUA guidelines, it is my understanding that the credit union would have performed a thorough investigation. However, this did not happen. Despite the fact that I called NFCU at least a dozen times to inform them of XXXX  fraudulent an illegal scam, I was never allowed access to any security or investigator at all. This continued for almost three weeks. 

In the meantime, XXXX again gains access to my same Navy Federal account and makes fraudulent payments from an illegal XXXX XXXX XXXX checking account. An account that I had no idea even existed. 
Again, Navy Federal did nothing. The Union seemingly sat back and watch as XXXX conned and stole my money. So much so, that even a fellow Navy Federal member who received some of the stolen monies was never even questioned. I know this because I was told so by several of the employees of the union. 

I have very serious issues with not only the person of XXXX XXXX whos ads are still prominently displayed on several Social Media sites, but I have extreme issues with Navy Federal Credit Unions lack of response. To day, the union has not conducted one bit of investigations into my claims. However, according to their records, Im still liable for all of the almost {$80000.00} that was stolen. This is against all rules and regulations as set forth by your Association. 

Police reports and statements are included. 

Thanks for your time. 

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

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from Equifax and XXXX throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Product: Debt collection

I'm submitting this complaint in reference to TD BANK knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof " TO SEE '' Valid Authorization/ proof of alleged debt. Report without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by the FTC u.s c41, et esq
Product: Credit reporting, credit repair services, or other personal consumer reports

They took more than 30 days to investigate my case they must remove any items in questions according to the FCRA. YOU MUST DELETE THE XXXX {$21.00} ACCOUNT IMMEDIATELY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries that I did not give consent to run my credit. Please remove this from my Credit Report. I have no knowledge of these inquiries, these are inquiries I have no account of. I did not give any permission to run my Credit. Transunion is stating that " inquires are factual record of file '' without properly investigating. How are these FACTUAL RECORD OF FILE when I have contacted most of the creditors listed and they have explained that they have no account nor knowledge of me doing business with them.