23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX, 2015 I applied for an American Express credit card. The offer included a {$300.00} statement credit if I charged {$1000.00} on the card within the first three months. I charged over {$1000.00} and am still waiting for my credit. I call every month and get " We 're looking into it ''. " We 've open an investigation ''. " Please give us six more weeks to look into this matter. '' I called today and was told that no investigation was started but they would be happy to start one. They refuse to issue the credit card credit as indicated in the letter attached to my application. RSVP Code for the credit : XXXX. I tried to close this card today but was told that no credit would be applied if I did.
Product: Credit reporting or other personal consumer reports

I sent Transunion asking them for the description and procedure that was used in the verification of these accounts pursuant 15usc and how they updated these accounts. Transunion said on XX/XX/2024 replied that I should expect to receive those results in approximately 7 business days. It is now past 7 business days and they have failed to do so. " See attachments below '' Also my address of my Abode attachment below These accounts are not complete and accurate on my consumer report : XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX See attachment below. 

Transunion I would like to know what procedure was used in the verification of these accounts, not to mention the accuracy certificate pursuant 15USC 1681i ( 5 ) ( B ) ( 1 ) and the metro 2 compliance standard that used in the reporting of the verification of accuracy of the information.

15USC 1681i ( 6 ) ( B ) ( iii ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the contacted in connection with such information and the telephone number of such furnisher if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information; and ( v ) a notice that the consumer has the right under subsection ( d ) the the consumer reporting agency furnish notifications under that subsection.

15USC 1681i ( 7 ) ( 7 ) Description of the reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15USC 1681i ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Product: Debt collection

This alleged debt was already removed from my credit report. I request documents from this company that I never received. What I did receive was a letter stating that the debt was mine and they have updated their internal records.I explained to Ditech that I am aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, until Ditech provides me with proper validation of this debt, they are not allowed to pursue any collection activities, including reporting this information on my credit report.
Product: Credit reporting or other personal consumer reports

did not authorize these inquiries and strongly suspect foul play. I implore you to conduct a detailed investigation and promptly remove them from my credit report
Product: Checking or savings account

On XX/XX/2018 my employer paid me through direct deposit. TD Bank has an issue with their system that kept my paycheck from being deposited in my account. I was unable to pay bills because of this. They acknowledge they had a system failure that effected thousands of customers however they refused to rectify the fees and damage caused by THEIR technical failure
Product: Mortgage

was a money order for {$800.00}. I had to send another payment ... So I paid {$1600.00} instead of {$800.00}. 

Green tree often takes XXXX months to apply payments to account and lies about balances due. I currently am current, all payments made and they claim I owe {$2600.00}. 

The commit fraud on a daily basis. They misapply payments, fraudulently state that payments are paid later than they are. They try to charge late fees that are not due or are far higher than the agree late fee amount. 

GT has caused my homeowners insurance and tax payments to lapse. 

They do not obey the CEASE and DESIST order that was sent to them multiple times. Each offense carries a {$1000.00} penalty. 

They falsify statement and loan balance. 
This company GT has contacted my neighbors illegally when they know my location and even if my account is not past 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice of consumer findings regarding unfair and inaccurate practices. via XXXX XXXX privacy policy and section 1692e ( 16 ) of the FDCPA. XXXXXXXX XXXX XXXX privacy policy implicates and gives false representation as a means in connection with the collection of debt by operating falsely a consumer reporting agency by using nonpublic information and abusive debt collection practices to put my creditworthiness at a competitive disadvantage. it is a violation via 15 USC 1692e ( 16 ) for a debt collector to operate by a consumer reporting agency and give false representation or implications that they are doing so as proof see the privacy policy attached. The consumer reporting agency is in violation of marketing information, unfair and inaccurately backed on the exchange of information that should otherwise be excluded from a consumer report via 15 USC 1681a ( d ) ( 2 ). A consumer report should not include information solely as to transactions, communication of that information, also information that's used as an authorization of an extension of credit by the issuer ( me ) of a credit card. I wish to have this account removed from my consumer report.
Product: Debt collection

I have a new collection on my report. I have never heard of this collection agency trying to contact me about this issue. All medical bills were paid with XXXX. I have asked them to remove this and validate this. I have heard nothing from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for the opportunity to express my situation... ..pI have this one XXXX XXXX by the name of XXXX that is reporting to all the three major agency 's ... ..im a senior that has retired and who living on a set budget... .This is very disheartening that someone would take advantage of me...... I have never authorized this company for credit......... please can someone Thank You
Product: Debt collection

Re : Complaint Against Capital Recovery Systems Inc. 

Dear CFPB, I am writing to file a complaint against Capital Recovery Systems Inc. regarding their continued attempts to collect on a tax debt that was discharged in a XXXX XXXX bankruptcy proceeding on XX/XX/XXXX Background : I filed for XXXX XXXX bankruptcy on XX/XX/XXXX. 
A discharge order was issued on XXXX which legally released me from the obligation to repay the tax debt in question. 
Despite the discharge order, Capital Recovery Systems Inc. has continued to contact me and demand payment on this discharged debt. 
Specific Violations : Harassment and Abuse : Capital Recovery Systems Inc. has repeatedly contacted me, including specific instances, such as phone calls, letters, or emails. These contacts have caused me significant stress and anxiety. 
False or Misleading Representations : The company has falsely represented that I am still obligated to pay the discharged debt. The debt is inflated and from a Business that is closed and dissolved. They are attempting to assign debt in successor interest to an individual that was owed by a closed Business. 
Violation of the Fair Debt Collection Practices Act ( FDCPA ) : By continuing to collect on a discharged debt, Capital Recovery Systems Inc. is violating the FDCPA, which prohibits debt collectors from collecting on debts that have been discharged in bankruptcy. 
Requested Relief : I request that the CFPB investigate this matter and take appropriate action against Capital Recovery Systems Inc. I seek the following relief : Cease and desist orders to prevent further harassment and abusive collection practices.

Monetary damages for the harm caused by the company 's actions.

A public censure or other appropriate disciplinary action against Capital Recovery Systems Inc.

I have attached copies of the following documents to support my complaint : Bankruptcy discharge order Copies of any communication from Capital Recovery Systems Inc. 
Thank you for your attention to this matter. I look forward to a prompt and thorough investigation. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information on my credit report with XXXX, Equifax, and XXXX several times, but the errors still remain unresolved. Despite multiple attempts, the credit bureaus have not corrected the discrepancies. 

15 USC 1681i ( a ) ( 1 ) ( A ) : This challenges the failure to complete a reasonable investigation within 30 days, which has led to inaccurate information staying on my credit report.

15 USC 1681i ( a ) ( 3 ) ( A ) : This challenges the lack of providing a complete investigation report, including supporting evidence for the disputed items.

15 USC 1681i ( a ) ( 6 ) ( A ) : This challenges the failure to notify me of the results of the investigation or provide information on actions taken regarding my dispute.
Product: Credit reporting or other personal consumer reports

I have requested Experian for XXXX XXXX XXXX card account to be deleted as it is a charge off on their part. They also have not provided a 1099C and they keep reporting to it in my Credit as a charge off that is Fraud against the IRS. I am requesting it to be deleted completely of report immediately. Since they have the ability to report on my credit report, I have the right and ability to report them to the IRS as fraud.
Product: Credit card

Acct # XXXX Wells Fargo Bank credit card has placed a lien on my home which is illegal to begin with. 

It's a credit card and transfers can not be made to a home. They can use a collection agency. 
Also Wells Fargo is bankrupt and has no standing. and the person signing the XXXX is XXXX and makes it a foreign entity trying to interfere. The document doesn't appear to show an amount, but the clerk of XXXX XXXX does not have the authority to just slap a XXXX on anyone 's property. 

Remove
Product: Bank account or service

On XXXX/XXXX/2015, I was purchasing a {$3.00} item on eBay. I logged into my existing PayPal account, changed my payment method from " bank account '' to " credit card '', and clicked a green [ Apply ] button. After scrolling through some disclosures, which I assumed were updates to PayPal 's terms, I realized I had just opened a new credit account with a {$1000.00} limit! I do not want the credit account or even a credit pull on my credit history. Also, I received an email from " PayPal Credit '' saying " Thanks for making a purchase with PayPal Credit. '' That is not the payment method I used for the purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion and XXXX  are reporting inaccurate and false information on my credit report. 

XXXX is reporting XXXX XXXX XXXX XXXX XXXX, MD XXXX that address would removed and put back on. I have also never lived at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. 

TransUnion has reported that an account for XXXX XXXX with last date reported XX/XX/XXXX, XXXX and XXXX doesnt show enough information for the XXXX XXXX account. Theres no balance, no high credit limit, the date of last activity for XXXX is XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX is showing the dates of last active as XX/XX/XXXX on TransUnion, how can that be if I filed bankruptcy years ago with this account?? XXXX and XXXX  doesnt have enough information about the count. Hey he dates of last activity are all mixed up, theres no information about the credit limit or anything. 

XXXX XXXX is showing that the account with TransUnion was last active on XX/XX/XXXX. This is incorrect. XXXX is showing last active of XX/XX/XXXX and doesnt show balance for $ XXXX doesnt show any information on payment status or credit limit. There nothing showing what type of account it is. All this information doesnt seem like it has been verified because theres so much missing information. XXXX. Shows that the account wasnt opened on XX/XX/XXXX and TransUnion and XXXX show Date opened on XX/XX/XXXX. What information is accurate?? 

TransUnion is postponing XXXX as open account type but the account status says closed. The accounts also show that theres no high credit limit but theres a balance due of {$84.00}! How can that be. Date last active is incorrect as well. 

XXXX XXXX is showing for XXXX incorrect and missing information. Theres no balance for no high credit limit, no credit limit. TransUnion shows account status as other but XXXX shows as closed. XXXX also has the account as last reported on XX/XX/XXXX and a TransUnion shows XX/XX/XXXX. What is correct? Why is all the information reporting differently? 

XXXX XXXX is showing for XXXX  that the account is indeterminate? Who is verifying this information? The account type is left blank, high credit limit is left blank. There is too much information left blank. 

XXXX  is posting that I have 2 dismissed chapter XXXX and one dismissed Chapter XXXX. They are all missing information Reference numbers are wrong for The chapter XXXX. They also are saying I filed at US DISTRICT COURT that is incorrect. The status is missing, the date settled is missing, the liability amounts are missing. 

For TransUnion its showing that I filed a chapter XXXX at BK ... who is Bk? This information is inaccurate. The date settled for the Bks are incorrect. 

XXXX  shows all inaccurate account reference numbers. Dates settles are incorrect. 

All these accounts are in violation of the FCRA. They have you provide me with how they verified any of this information which leaves me to believe that they are not conduction reasonable investigations or following then procedures or obeying laws. 

Please have them remove all the accounts listed below from each credits report. 

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

In accordance with the Fair Credit Reporting act XXXX  Account 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

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

I keep receiving calls from debt collector company called RMC of America. They would call from XXXX now its from XXXX XXXX ID. Ive asked them to quit calling but they continue to harass me regarding some debt.
Product: Debt collection

My mom passed away XX/XX/2016. XXXX turned her over for collection. The first collection agency closed their file. She died with no funds. The second agency XXXX turned over the account to let a certified letter sit for XXXX week at the post office, therefore, allowing the XXXX day dispute time to elapse. I sent this company the death certificate in the letter. The day they finally claimed the letter, they sent another general collection notice out. The usps tracking number is XXXX
Product: Money transfer, virtual currency, or money service

The day XXXX, XXXX, 2021 ; at XXXX, I got a notification from Cash App stating an XXXX  Bill Payment was spent for {$860.00}. As soon as I seen this I reported this fraudulent transaction and later following with deactivating my debit card my card was then charged three more times moments after of disabling my debit card. Since then Ive been trying to sort this out with Cash App and XXXX. Cash App itself has failed to help or even update me on the situation! And XXXX  has turnt me away!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to Experian and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX 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
Product: Credit reporting

There is incomplete, outdated, and incorrect information reported on accounts that are reporting on my credit report. The accounts are : XXXX. I have requested these accounts to be deleted due to the violation of FCRA. I submitted this request XXXX2016.
Product: Credit card

I have received XXXX denial letters for store credit cards that I did not apply for. The XXXX letter was for a Best Buy credit card and the XXXX Sears.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TRANSUNION regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe constitute clear violations of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX. My date of birth is XX/XX/year>, and my Social Security XXXX is XXXX. Upon reviewing my TRANSUNION credit report, I discovered several accounts that are not only inaccurate but also fraudulent in nature. These accounts were included in my credit file without my knowledge or consent, which directly violates the FCRAs requirement that credit reporting agencies ensure the accuracy and integrity of the information they report.

Specifically, under Section 1681e ( b ) of the FCRA, TRANSUNION has failed to follow reasonable procedures to ensure that the information it reports is accurate.

Furthermore, under Section 1681c-2 of the FCRA, which mandates the removal of outdated or inaccurate accounts, these fraudulent entries should have been investigated and removed immediately. In addition, the inclusion of these fraudulent accounts also appears to be a violation of FACTA regulations, which safeguard consumers by requiring creditors and credit reporting agencies to adopt accurate and effective identity theft protection procedures. I did not open any of these accounts, nor was I notified about them, indicating a severe lapse in compliance with FACTAs requirements for consumer notification and security. I have already taken steps to address these issues by contacting TRANSUNION directly, submitting a formal dispute, and providing supporting documentation, including my drivers license, Social Security card, proof of address, and FTC report number XXXX. Despite these efforts, TRANSUNION has failed to rectify the inaccuracies or remove the fraudulent accounts from my credit report, which is a clear violation of its obligations under both the FCRA and FACTA. This failure has had a significant negative impact on my creditworthiness and financial stability. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that TRANSUNION promptly removes the fraudulent and inaccurate accounts from my credit report. Furthermore, I request that TRANSUNION provide written confirmation once these corrections have been made. I also ask the CFPB to thoroughly investigate TRANSUNION 's handling of my dispute and ensure its full compliance with FCRA and FACTA regulations.
Product: Mortgage

This is the Fourth time I am re opening the Complaint. The company keeps responding and closing the ticket. The response is not per my expectation. I want the company to look for the evidence where the customer service rep had taken notes about forgiving the late fee. My Home Mortgage was initially with MB financial Bank. Last year in XXXX MB Financial was acquired by Fifth Third Bank. Back in Summer XXXX, due to a payroll system upgrade in my company i got paid on the last day of the month. Since i was getting paid on the last day of the month, i called MB financial to explain my situation and request that since this not a permanent situation they should not charge me late fee since i will be making payments on the last day or the XXXX of each month. The customer service representative at MB financial agreed to my request and mentioned that they have made a note in the system with my request and the reason for the request. Now when i get my statements it shows that i have past due late fee balance of {$1000.00} which is not correct. I called Fifth Third a couple of times in the past for this issue. The customer service representative always said that they dont see anything at their end in the system. I was under the impression that the matter has been taken care of and i would start receiving updated statements with no balance due. I am still receiving the statements that show i have {$1000.00} past due amount. On XX/XX/XXXX, i spoke to the supervisor at Fifth Third Bank and upon further investigation she found the note that explained my situation back in XXXX but she mentioned she was not able to find the note that said they would waive my late fee. The note she had in the system was incomplete. She also mentioned that {$500.00} late fee was carried over by MB financial to Fifth Third Bank. I am having issues with Fifth Third Bank customer service. Just last month they had but my mortgage in forbearance plan whereas i had called to request them not to put my mortgage in forbearance plan. The customer service is not making notes correctly and for my late fee up until Friday XX/XX/XXXX they kept saying they dont see any late fee in the system but on escalating the issue to the supervisor she found the late fee and the incomplete note. In this pandemic, i am trying to save on my money and paying {$1000.00} as late fee for no fault of mine is unfair. The customer service representative have failed to provide the service i have requested.
Product: Credit reporting or other personal consumer reports

To whom it may concern at credit card disputes department, My name is XXXX XXXX My social security number is XXXX On XX/XX/XXXX I applied for a XXXX XXXX XXXX XXXX ONCE. 
On my Equifax Credit report it shows TWO hard inquiries on the same date of XX/XX/XXXX please have XXXX removed because is a duplicate mistake! 
My number is XXXX if you have any further questions. 
With gratitude, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was shocked this morning to see inaccurate accounts on my credit report, and I have no clue why. I check my report regularly, and this time, there were random discrepancies. I even refreshed my browser, thinking it might be a glitch, but it wasnt. These wrong accounts stayed there, so I need the documents I submitted to be fully reviewed to put my mind at ease.