23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. ailure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assisstance to remove othese fraud items in my credit file : 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
Product: Credit reporting or other personal consumer reports

I have accounts passed on that should be taken out or blocked. I've proactively remembered this report from a past letter and am including it again. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX  XXXX Balance Owed : {$790.00} XXXX XXXX  XXXX Balance Owed : {$870.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account numbers, has violated my rights. 
XXXX Account XXXX XXXX XXXX. XXXX Account # XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX  Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX ACCOUNT # XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX 15 U.S.C. 1681 Section 604 A States that I have right to privacy. 
15 U.S.C. 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish a account without without my written instructions.
Product: Credit card or prepaid card

To who it may concern, Im addressing this complaint to Total Visa on XX/XX/XXXX my car was broken into my purse was stolen, including my phone my wallet, oh my credit cards, password book everything my entire life on the same day I placed another report with the police besides the fact, but stepped on my identity I tried to let Total Visa know that my card my account is compromised due to the fact that my password book was gone and the credit card was also gone and my phone. Well they decided to close my account after I even reported it to the FTC their report number is, XXXX. I dont feel like I should be punished because Im a victim, identity fact, and that my account got closed. With no warning
Product: Credit reporting or other personal consumer reports

My account with this XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Debt collection

This is on my credit report. This is how I initially found out about this fraudulent debt they claim belongs to me. This is not my debt and they can not prove it is mine. I have asked for proof and they have sold it so many times they do not have the appropriate paperwork to prove this is mine. I want this removed from my credit report. It is on XXXX XXXX XXXX XXXX XXXX XXXXXXXX. How can this be legal to do this. I have requested multiple times proof of ownership and they fail to send me the correct documentation. I demand this be removed from all three credit reporting agencies This debt apparently originated in XXXX  and that is how long this foolishness has been going on. Every time I submit a dispute or complaint they start the clock over again, meaning the date of debt starts fresh with each complaint, I want this removed immediately or I will hire an attorney
Product: Debt collection

On XXXX, I received notice of a default judgement that had been ordered against me to pay a debt owed to XXXX XXXX XXXX. In the judgement, it was detailed that I had been served with a citation and petition on XXXX at an address I had moved from on XXXX. The move was significant and long distance. I had not received any notice of pending action, nor was I living in the jurisdiction of XXXX XXXX- where the default judgement was brought. This is a clear violation of the FDCPA section 811 ( b ) which requires collection attempts to be made only in the jurisdiction in which the consumer resides at the commencement of the action. 

On XXXX, I contacted the firm that led the debt collection case in an attempt to resolve this matter. They stated that " The best address we had for service of the suit was [ in ] XXXX, Texas XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Vitim of the consent order that was filed against Santander Consumer USA Inc. ( Santander ) that addressed the Bureaus finding that it violated the Fair Credit Reporting Act ( FCRA ). Santander has continued to furnish inaccurate information regarding to credit bureaus with account information that is completely inaccurate and does not belong to me. I have contacted Santander Consumer USA IncXXXX multiple times and the company has failed to provide information regarding this debt and has not removed this debt from my credit report which has impacted my credit score and access to credit. Additionally Santander has reported varying information regarding the CRA 's and has failed to verify the accuracy of the information reported. Santander Consumer USA Inc. has a known history of predatory auto lending and request the details of this complaint are investigated promptly. 

I have contacted the XXXX XXXX, and XXXX  who have also failed to accurately investigate these concerns in a timely manner and resolve this complaints noted. Additionally, the bureaus have failed to provide details regarding the investigation.
Product: Credit reporting or other personal consumer reports

I have contacted wells fargo regarding my credit card not being reported on XX/XX/XXXX. No response, no help, just asked to fax my info to their department. 

I have contacted XXXX, XXXX  and XXXX end of XXXX, then in beginning of XXXX, and none of them were able to resolve this.
Product: Debt collection

I was contacted by a collector about a debit for a apartment whom I was not informed about after moving with my 60 day notice
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint to practice my right to challenge questionable information that I have found on my Experian credit report. I do not recognize the information listed below and request that you investigate these accounts and ascertain that these accounts are listed accurately on my file. These accounts have impacted my ability to receive credit and have provided unnecessary inconvenience. As you know it is my right to request a proper investigation. According to the Federal Credit Report Act, you are required to respond to my dispute within 30 days of receipt of this letter. If Experian fails to offer a response to my dispute, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue. The following items I do not recognize.XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX/XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 a account without my written instructions
Product: Checking or savings account

Tried to connect my Barclays Bank US account with XXXX app and was repeatedly denied access to my account even after successfully logging in.
Product: Debt collection

The company Security Credit Services began on XX/XX/year> charging a debt of {$120.00} that I did not incur.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX Store Card on XX/XX/18 which is offered through XXXX XXXX out of XXXX FL. On XX/XX/18, I received an electronic letter informing me that my application was denied because of some key factors that adversely affected my credit score.

My complaint is the credit score XXXX XXXX pulled on me is inaccurate. My credit score with the 3 credit bureau 's are higher than what XXXX XXXX has reported. Another key factor that adversely affected my score with XXXX is " Too few open end accounts ''. This is inaccurate based on my credit scores listed with the credit bureaus. The bureau 's report the following open accounts which are in good standing and current ( i.e. Student loans, XXXX XXXX Credit Card and XXXX Credit Card ). 

When I search the address for XXXX XXXX online, it doesn't give an address in Florida and I'm concerned that the address given for XXXX XXXX on the letter that is listed in XXXX Florida is incorrect. 

XXXX XXXX states that my credit is XXXX. The 3 credit bureau 's report my credit score 's over 600. Your assistance on resolving the big gap in scores is greatly appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed errors and inaccuracies on my credit report via Equifax 's online disputing service on several occasions over the past few months and they have yet to be removed. I decided to actually call today, XX/XX/22 at XXXX and spoke with a representative by the name of XXXX XXXX # XXXX from Equifax XXXX XXXX refused to further investigate the inaccuracies I reported that I have already previously disputed. She also refused to transfer the call to a higher representative such as a manager or supervisor or a colleague to better assist me. She told me she could not transfer the call, but I could hang up and call back. XXXX was unfortunately rude and did not perform her duty in a respectful manner, after so long she hung up. I called back at XXXX and spoke with a male representative whose name and associate number I did not get. I told him my issue and before I could finish he immediately began giving me a similar script XXXX did and the phone went silent. I am assuming XXXX was in the background coaching him, he then came back on the line and proceeded to transfer the call as I had asked to be transferred to someone higher than him. I waited on hold for about 30 minutes and the call proceeded to be disconnected on their end. I am not getting any help from the company and it is hindering my credit acquisition.
Product: Credit card

An unknown individual attempted to open a chase credit card in my name. I received a notice through chase journey and credit karma in regards to a hard inquiry on my credit, which wasn't me. I contacted chase to deny the application and they did.
Product: Debt collection

Receivable Management Partners, LLC, attempted an unsolicited telephone call to my mother to collect a debt that they reported I owe, which does not exist. They said the debt was from an insurance company and medical company that we do not have affiliation with. I could not obtain solid information on what companies those were. The debt collector was purposefully mumbling their company title, so I XXXX  the phone number and many reports came up that their company commits this type of fraud repeatedly.
Product: Student loan

I submitted paperwork to recalculate my student loans for repayment on XXXX XXXX, 2016. This is also part of the annual re-certification process to justify being on an income-driven repayment plan and to determine how much is owed for that year. It 's about to be XX/XX/XXXX and I still have not switched to a new repayment plan. Instead, I 've been arguing with Fedloan Servicing on a monthly basis, sometimes twice a month, to try to figure out why I have n't switched to a new repayment plan or been placed on the lowest repayment option. Each time I call, they will say something like, " You need to be in forbearance for a month and pay the minimum of {$5.00} until we recalculate the new repayment plan. '' I agreed to only pay {$5.00} ; however, the online portal will send me a reminder to pay the interest and it will show that I am going to have a direct debit withdrawal for over {$400.00} despite saying that only the ~ {$30.00} interest is owed. Instead, I just paid the interest figuring it would cover the {$5.00} and told them to suspend the direct debit. I also requested to move my direct debit to the XXXX of each month to split up my other student loan repayments. Each time I have called, they tell me that I am still in forbearance and that I need to pay {$5.00}. Months later, it says I owe over {$700.00} and I am now delinquent in payment - this XXXX because my credit score is high ( ~XXXX ) and I want to buy a car this year. They still have not switched me to my new income-driven repayment plan even though I started the process 4 months ago. When I called them the other day, they told me it 's because I paid more than the agreed upon {$5.00} and the system switched me to a standard repayment plan. This was not told to me and makes no sense as to why it would operate in this manner. Their process is shrouded in mystery and is meant to confuse and have individuals pay interest and stall the r-ecertification/new repayment plan process. They are stating that I owe ~ {$30.00} for interest and I have an upcoming direct debit in the amount of {$400.00} with a total of {$770.00} due. This means they have also re-activated the direct debit withdrawal feature WITHOUT my permission. I can not budget each month because I 'm uncertain what I owe. I am on the student loan forgiveness, too, so this is impacting that program. At this point, I just want to go back to what I was paying because I 'm so sick of dealing with them. But what I really want to do is sue them for how they 've handled my loans and capitalized off of interest payments by confusing me and, more than likely, several other borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, XXXX refuse to remove an address that does not belong to me. its removed and then reappears
Product: Debt collection

Portfolio Recovery is calling relatives and spouses phone and claiming a credit card debt from 2010 long after statue of limitations. I find this debt invalid as original creditor is now my Car Loan and credit card company with valid updated accounts. Have informed Portfolio Recovery to stop communications via phone and email to no avail.
Product: Mortgage

The company is not transferring the mortgage via survivor in interest. I have submitted all the documentation. I/we call XXXXx per week. The company tells us to wait for a final decision until a specific date ( XXXX XXXX ). After XX/XX/XXXX, they say they don't have the information or it isn't a clear document and that it needs to be resubmitted. This process has been in the works for over 4 months with no decision and no contact person to help. They are delaying the transfer of survivor in interest to try and force this mortgage into foreclosure.
Product: Debt collection

Chase began reporting 2 accounts to my consumer reports with XXXX XXXX and XXXX in XX/XX/XXXX and the second in XX/XX/XXXX in regards to credit cards that they claim I owe. I do not owe any debt to Chase. I sent Chase a debt validation letter on XX/XX/XXXX and they sent me statements in the mail showing transactions with these accounts which is not validation. In the process Chase has violated multiple laws including XXXX XXXX XXXX XXXX a ). They also have not responded to my Affidavit Of Truth that I sent to them on XX/XX/XXXX. They sent me a letter on XX/XX/XXXX stating that they are required by law to report these accounts on my report which is false and misleading 15 USC 1692e. Chase ignored my cease and desist letter that I sent them on XX/XX/XXXX which is a violation of 15 USC 1692c ( c ).
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX, XXXX, XXXX has violated my rights. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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 repeatedly disputed erroneous information on my XXXX   credit report that has adversely affected me and my credit worthiness. XXXX XXXX XXXX has re-inserted an account that was previously deleted by XXXX due to a prior investigation. This re-insertion was not only done without notification to me, but also is riddled with errors and inaccurate information. I have disputed previously with XXXX   and the CFPB directly, which has still not resulted in acceptable resolution. XXXX is in clear violation of the FCRA and the CFPB has not been effective in resolving this ongoing issue. 

The entry on my report for XXXX XXXX XXXX ( XXXX ) has the following issues with their reporting : 1. Clear violation of re-insertion guidelines after deletion from a previous dispute and no written notification to the consumer 2. Creditor classification is listed as Banking - XXXX is not a bank and this is inaccurate - should be removed immediately 3. No original creditor listed on this account - how is it even possible that XXXX is verifying this information and it's accuracy with the original creditor then? 
4. Type of Account - Open - this is completely inaccurate and should be deleted. I don't have an open account with XXXX 5. Date Major Delinquency First reported is listed as XX/XX/2018, yet last payment is listed as XX/XX/2018 ( with a {$0.00} balance ). How is this possible and why is PRA verifying this inaccurate information? 
6. Why is this account reporting a High Credit amount of {$690.00}? I don't have a credit account that would justify reporting this information from XXXX! 
7. Account status is listed as Collection account but is not listed on my credit report in the collection account section. This erroneous information should be deleted. 
8. Additional information entry also lists this account as a Paid Collection but it does not appear as a collection account per XXXX 's own reporting. This should be deleted.
Product: Credit reporting or other personal consumer reports

I see this account has charge-off status and yet there is a past-due balance on your report. This account also is being reported with different payment history days between Experian, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made a free account with TransUnion and was charged {$24.00} for no reason. Tried to remove my debit card information and received another {$24.00} for no reason! No good provided and no warning they would charge my account.