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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

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

Please find my correspondence dated XX/XX/2021 attached hereto responding to your correspondence dated XX/XX/2021. Also a billing statement I received from Merchants ' Credit Guide Company exposing private medical procedure information.
Product: Student loan

The Great Lakes Student Loan is making us repay thousands of dollars on the loan. The interest was tacked on to the back of the loan but no other option was given. We were forced to sign documents that had interest on added to the back side of loan with no mention of other repay could be under someone else.
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 ... 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: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$20000.00} XXXX XXXX  XXXX Balance : {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I noticed 30 days late on my XXXX  XXXX  report. This was from Merchants Preferred. This account was paid off. The 30 days late were reported from XX/XX/XXXX. This is inaccurate as I paid the loan off in XXXX. I had also made previous payments in XX/XX/XXXX, XX/XX/XXXX, etc. I disputed this though XXXX  twice and Merchants said their information was correct. This Blemish is now holding up mortgage approval for my new home. I've reached out to Merchants Prefered and asked for assistance reviewing the payment statements but they refused to help me. I was able to obtain their payment history which shows I did, in fact, make a payment in XXXX and paid off the account in XX/XX/XXXX. I was not 30 days late in XXXX of XXXX and they will not delete this from my credit report. 

Creditor : Merchants Preferred XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX GA XXXX XXXX
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Since there have been multiple violations of the necessary reporting requirements, my report 's data can not be reliable and full. Having stated that, I dispute your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You're violating on my rights! In this document, I've outlined my worries regarding your reporting. You must certify that all required XXXX XXXX XXXX is done honestly, correctly ( on time ), completely, and accurately as well, otherwise I will have to escalate these issues to the CFPB, FTC, and my Attorney General. It is not complete and does not meet my standards as required by law.
Product: Mortgage

I lost my job in XXXX due to XXXX. The agreement with my company was that they would not deny my unemployment claim. I applied for unemployment the following day. A strange glitch in their system would not recognize my social security number which took 4 months to fix. I still have not received a single check from them. In the meantime I paid my bills with my vacation payout the company gave me, this included my mortgage. When I realized the unemployment situation was going to take much longer than expected. And was waiting to go in for XXXX to have glass removed from my face ( which had happened at my previous job ) and had just about exhausted all other lending options such as friends and family. I went in to the bank branch ( XXXX originally held my loan, but was recently sold to WSFS ). I was informed via mail months prior that WSFS now held my mortgage. The branch instructed me to apply for covid relief to defer my payments. I followed the instructions as instructed in XXXX. After weeks of calling the customer service number with absolutely no results I went back to the branch. In the branch, I showed them my statement ( it is worth mentioning that the bill had the WSFS logo at the top ). After an hour of waiting for the branch manager to figure out what was going on. They informed me that even though I logged in to the WSFS website to pay my mortgage ( ... and all of the other aforementioned hints that would lead one to believe that WSFS held their mortgage ), they in fact did not hold my mortgage. They were unable to access my account and instead called the same customer service line I had been calling. I will spare you all of the repeat details but, in short I have been doing everything I am suppose to do upon request. Resubmit this document or that document, you don't have proof of no income then write it on a piece of paper sign it and scan it in. I have been told complete opposite information regarding extremely important details along the way, such as being told that my house would not go into foreclosure while the application is being processed then literally receiving foreclosure notices, then calling back and being told thats all in correct. Now I am almost 6 months in to this process and still being given the run around, so much so that the branch manager who gave up trying to help me, gave me the number to a lawyer to call but he didnt know how else to help. I just got off the phone with them after being told weeks ago that my application was finally complete ( the amount of times I had to resend them the same documents is absolutely stifling. I am really just trying not to lose my house and was simply requesting a deferment while I get back on my feet from a really traumatic year. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Consumer Fair Act 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 an account without my written instructions.
Product: Credit reporting

My fiancee and I are thinking about moving. Before we put in an application on an apartment, I wanted to check my credit score. I went to the FTC 's website and followed the directions to get my free credit report. Once I received my free credit report, I wanted to have the report translated into a credit score. I went to Transunion online. I believed I was signing up for a one-time fee of {$1.00} to receive my credit score. Transunion charged my credit card {$1.00}. One month later, on XXXX XXXX, I noticed a charge for {$19.00} on my card from Transunion. I disputed the charge with my credit card company and received a refund. I assumed it had been an error. On XXXX XXXX, I noticed a second charge, likewise for {$19.00}, from Transunion. I called Transunion. The first operator I spoke with demanded my SSN, full name, mother 's maiden name, and email. He asked if I wanted to " cancel '' my subscription. I explained that I wanted the charges to stop, but that it made no sense to " cancel '' the subscription because I had never enrolled. After talking to him for 8 minutes, he explained that he had canceled my subscription, but that the " system was down '' and that I should call back in an hour. I called back three hours later. This time, Transunion asked for my SSN, full name, mother 's maiden name, date of birth, email address, and security question. I then explained that I had noticed recurring charges on my card for services I had not enrolled in. I asked them to stop the charges. I also asked for a refund for the charges previously made. The operator stated that no refunds could be given for services that were provided. I then asked to speak to a manager. She said she would transfer me. The mechanical voice then stated " Please hold while we transfer your call. '' Twelve seconds later, the voice said, " We 're sorry, the transfer can not be completed. '' Then the line was cut. 
1. I did not knowingly or intentionally enroll in any program. I read the website carefully. 
2. I did not receive any services. 
3. I was charged three times for credit reporting services. 
4. When I tried to cancel, I was first told that the system was down. When I asked to speak to a manager, I was disconnected. 
5. I believe I have been defrauded by Transunion. I further believe that the amounts I have been charged are so small as to make the hassle of challenging the charge too great. I further believe Transunion imposes these charges on unwitting customers who need to use its services in order to receive their credit scores. 
6. I worry that Transunion was phishing for personal data and does not safeguard it as they should. I worry that they will sell it. 
7. I believe demanding so much personal data before discussing an account serves as a disincentive and discourages people from " canceling '' services they never applied for.
Product: Checking or savings account

On XX/XX/XXXX, I started a trial subscription with Tidal music streaming service that had a free month before the first charge of XXXX. I used XXXX to make this transaction. My funding source for XXXX is Wells Fargo. 

After a history of Wells Fargo charging me NSF fees of XXXX for debit card transactions that I would have preferred to have been declined but were not, I had already removed overdraft protection on XX/XX/XXXX. I was confident that it was safe to get the free month with Tidal because even if XXXX did attempt to charge XXXX on XX/XX/XXXX, my Wells Fargo account had less than XXXX, I did not have overdraft protection, the transaction would be declined, and no NSF fee would apply as per Federal Reserve 2010 policy and Wells Fargo policy which I have included. 

I think its fair to say Im a fairly well informed consumer but still I was shocked that Wells Fargo STILL approved the debit transaction despite me not having funds AND charged a {$35.00} fee. What is a careful consumer to do? 

I reread the policy again and I do see there is a loophole where XXXX can try to sneak in unwarranted NSF fees for *recurring* transactions. However, the transaction I made was not a recurring automatic paymentit was initiated by me by hand on XX/XX/XXXX and I have included a screenshot from XXXX to prove it was an instant transfer, not recurring. That is the very opposite of an automatic payment. 

Tidal did a poor job explaining why there was a charge on the supposed free month, but its not their fault a payment went through that should not have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated with TransUnion several time regarding XXXX XXXX XXXX account ( XXXX ). Below are the complaint numbers. 
XX/XX/22 - XXXX XX/XX/22 - XXXX XX/XX/22 - XXXX XX/XX/22 - XXXX TransUnion knowingly broke the law and is in violation of my consumer rights. TransUnion stated that they deleted this alleged account, but it is still showing on my consumer report. Also when ask for their method of verification, TransUnion stated that they mailed me their method of verification, but I only received a letter stating this alleged account was verified. After they had already claimed to be deleting this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both creditor XXXX XXXX XXXX and agency credit report XXXX are not willing to take out the bad report from The account that is not mine! i was just authorized user for sometime for work related and I understand account has been charge off cause the account owner has passed away
Product: Checking or savings account

Bank of America stole {$300.00} from my checking account on XX/XX/year> and then lied about it. A manager told me a transaction was paid for around {$160.00} worth, even though there was supposedly insufficient funds in our account. They've NEVER done this before. Furthermore, last night around XXXX I checked our account and it was in the black by XXXX XXXXXXXXThis was yesterday XX/XX/year>. Today, XX/XX/year> I've got an account so messed up. My XXXX had to take {$300.00} out of savings to cover this error. A {$50.00} transfer from one account to another, all of a sudden had to be verified. This has never happened before. So. basically, I check my account last night, everythings fine. This morning, I'm {$300.00} short because of their negligence. XXXX XXXX, president of private banking, I want my {$300.00} back!!
Product: Mortgage

We have 2 mortgages, 1 - our primary with Freedom Mortgage, the other is a real estate investment with XXXX XXXX. 

We never have made any of our payments late, yet both mortgages show that we are in forbearance status. We have tried repeatedly for lengths of time to have the banks change the status yet it remains. 

We are in the process of selling and would like to refinance the other loan. I am afraid it will be a huge problem for us to do either if the status shows that we are in forbearance. We also understand that the credit bureaus show both these loans in forbearance. 

When I emailed Freedom about this, they said it was because we made a late payment in XX/XX/2019, I have a confirmation email from them and the withdrawal from our account proving that is an inaccurate response. 

Please help us, we are not sure how to proceed. 
Thank you so much! 
XXXX XXXX
Product: Credit card or prepaid card

Citi offered a promotion that if you open a savings account ( 1.66 percent at time of offer, now 1.55 but that is as expected, rate can fluctuate ) then your double cashback card ( which I had for many years a pays 1 % at purchase and 1 % at payment ) would go from 2 % to 2.5 % I tried recently to try to get confirmation that I was indeed getting 2.5, and for first 3 attempts I could get no answer, just a run around sending me to different departments.

Today I finally got someone on chat that said " Yes you are eligible for the 2.5 %, call this number ( they gave me the wrong number it was the savings account support ), I am now on with an agent after a long hold and they are not helping, claiming I have to prove the offer ( there are many references to it with a simple XXXX search ). 

Here is a summary of my main complaint points. 
1/ if a bank or Credit card makes a promotional offer incentive like an increase in your credit card cashback rate it should be simple to validate. There should be a confirmation email saying you have the new cashback rate, and as well it should be easy for the consumer to see the information ( how much cashback am I getting if there are special deals ) on the website. 

2/ i feel very strongly this is a case of false advertising, everything implied there would be no action required by the consumer, and to make matters worse, there is NO WAY for the consumer to confirm he/she received the benefit after opening the savings account! No where in any of the transactions was there information that I must " apply '' and I only found this out by checking. Now that I have the information that I must " apply '', there is no simple process, no email that I can send, no ability in their chat support. In the time I have spent just to write this I am on my 4th person on the phone, in one case they just dropped me and transferred me to the debit card department. I am now with someone in the credit card department, and after explaining their first response was " so you want to open a savings account ''. After patiently restating the situation and asking them to listen clearly, I am now on hold for a " specialist ''. 

The close of the call wound up with this completely unacceptable situation A/ They did confirm that I should have the 2.5 % rate on my double cash card but do not B/ they gave me the account servicing number and the priority banking number which I have to call during the week, she could not get hold of anyone. She said that since there are two different departments involved credit card and banking, no one agent can handle the situation, and they have no support ticket that  can be opened, so bottom line instead of servicing me, I wasted hours with no solution other than putting the ball back in my court again I will be attempting to get them to active the rate and also retroactively honor it. 

here is one reference, its old and out of date, and the offer which was made via the website when I logged in is no longer there. 
https : //www.bankcheckingsavings.com/citi-account-bundle/
Product: Debt collection

I had a severe case of Identity Theft which is now in the hands of Congressman XXXX XXXX of MD and Senator XXXX XXXX XXXX. This began in XXXX-present. I was living with my boyfriend and I am convinced that he stole my cards from XXXX to XXXX and XXXX XXXX XXXX. In XX/XX/XXXX  after an XXXX XXXX XXXX that occurred on me, when I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Things progressively got worse because when I was not home, they went through my things and stole a bunch of my property, including a laptop which they were able to get online and get onto my XXXX  XXXX account my XXXX account, my XXXX, everything I had was gone in one day. 
The names of the perpetrators are : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I was also forced out and was homeless after that and my company was still struggling with COVID REGULATIONS. I dont think I worked for three years. I lost everything its in the hands of Congress because Im trying to change my Social Security number. Its that bad. And these credit companies, one by one are suing me. Having been released without prejudice and due to MD CODE 305. I was relieved from the fraud case by a judge in civil court. And now I expect to have to do this again and again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got the auto loan in XXXX and the car was repossessed in XXXX. It was sold at for a little over XXXX XXXX. It was updated on my credit report in XXXXEver since it continues to be updated and listed as a personal loan on my credit report and it appears to be renewed, every time the removal date comes up. There is no balance due, this is just malicious, I'm fairly certain this violates the fair credit act.
Product: Credit reporting or other personal consumer reports

I saw these unauthorized inquiries from my credit report and I don't know why they're showing up.
Product: Credit card or prepaid card

I received an email in XXXX that a credit card had been opened with this company. I did not open this card, I did more research to find out someone stole my identity. I called this card company to dispute these charges and let this know I was in the process of trying to fix this. But they have denied my claims. I need help in getting these charges off my record and completely closing this card down. I have filed a police report and an IC3 report, this was something the company asked me to do. They are no longer responding to me. I have frozen all accounts and filed complaints with the Federal trade commission and social security admin office. I believe the amount stands at somewhere around {$210.00}. 

Thank you
Product: Payday loan, title loan, or personal loan

Covington credit is harassments me at working and on my personal phone.. Its already on my credit report and they wont stop call everyday.. I told them i don't have the money to pay do to my wife being off of work doo to covid. my job is getting a call everyday. and i have written messages from a boos that the lady 's are being really vlogger a rude. as my boss cant give any information about me. this needs to stop>>
Product: Credit reporting or other personal consumer reports

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I requested XXXX XXXX  # XXXX be validated with no response. 
FCRA section 611 gives me the right to request and explanation of the verification method used