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

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL ANGECIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card or prepaid card

I have had XXXX Capital One credit cards for over XXXX decades. They periodically change the name of the cards and replace them with new ones. They are charging me $ XXXX annual fee even though if I applied as a brand new customer today that fee would be $ XXXX for this particular card. I requested a no-fee card but they refuse to consider an upgrade or even a downgrade. They are trying to say since the fee was $ XXXX way back in 2002 when I got the original card that this is the fee forever - even though this is NOT the same card that I was originally issued. They are doing this because they can get away with it. Please hold them accountable.
Product: Debt collection

Medical debt incurredXX/XX/XXXX had been long paid off shortly after receiving the initial bill, and I received a surprise collection letter from BC Services ( original bill was with XXXX XXXX  Hospital in XXXX XXXX ) dated XX/XX/XXXX, 5 years later, for the amount of {$540.00} with {$3.00} of interest. I had initially verified with XXXX Hospital that the full bill was paid and no further balance is due. I have not heard from them via phone or mail since ( during the past 5 years ). I did move recently, but my address had been the same for another almost two years and I remained in the same city for another 3 years after the initial bill. My phone number has been the same ever since, so I would n't have been difficult to reach. When speaking with BC services they said they would send the initial statement ( which I have not received either ) but would not explain what happened or how this is valid and were extremely short and unhelpful. I have written them as well as the original company a certified letter, again requesting a final statement but am awaiting a response. Nothing has shown on my credit report so far but I am looking every day. THANK YOU FOR BEING THERE!
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX RE : Request for Removal of Inaccurate Derogatory Information from Consumer Credit Report To Whom It May Concern : I am writing to bring to your attention a matter of significant concern regarding the accuracy of information contained within my consumer credit report. It has come to my attention that certain derogatory information, specifically pertaining to XXXX XXXX account XXXX, continues to be reported inaccurately on my credit file. 
I must emphasize the gravity of this situation, as it is not only a breach of federal laws and statutes but also a violation of my rights as a consumer. Upon disputing the aforementioned account with XXXX and XXXX, it was promptly removed from my credit files due to an inability to verify or validate its accuracy. 
In accordance with the procedures outlined in 15 U.S.C. 1681XXXX and its subsections, I have diligently pursued the removal of this disputed account from all relevant consumer reporting agencies. Despite my repeated efforts and requests, TransUnion has thus far failed to acknowledge or act upon my legitimate concerns. 
Furthermore, it has come to my attention that the reporting of this account may also be in violation of IRS debt cancellation regulations. According to IRS guidelines, cancelled debt income, such as that resulting from a charge-off or collection, should not be reported on a consumer 's credit report. Given that XXXX and XXXX have already acknowledged and corrected this error, I expect TransUnion to do the same without further delay. 
I urge you to take immediate action to rectify this situation by removing the inaccurate and misleading information from my credit file. Failure to do so may result in further escalation of this matter, including potential consumer or legal complaints. 
Enclosed with this letter, you will find a copy of my credit report highlighting the violations, as well as documentation confirming the removal of this account by other consumer reporting agencies. As well as the XXXX XXXX XXXX from the IRS. 
Thank you for your prompt attention to this matter. I trust that you will address this issue with the seriousness and urgency it deserves. 
Sincerely, XXXX XXXX [ Enclosures : Copy of credit report, documentation of removal by other consumer reporting agencies ] Please note that a copy of this letter has been sent via certified mail to ensure its receipt and has also been forwarded to the U.S. Bankruptcy Court of California for their records.
Product: Mortgage

Chase Mortgage switched me from paper to electronic statements without my knowledge, consent or advising me of the change. I pay all of my bills off of paper statements. As I never received the bill, the payment was delayed. As soon as I noticed the issue, I paid the mortgage immediately, however at that point it was a few days over 30 late. I called Chase to get switched back to paper statements and they removed the late fee, however Chase reported a 30 day late on my and my wife 's credit reports. This late payment was caused through no fault of my own as I never got a statement and they never sent me anything saying they switched me from paper to electronic. I called them, I wrote a letter, I spoke with various people and escalated all that I could and Chase refused to correct my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 2 accounts on my credit report that show as open bu are more than 7 years old. When I requested Transunion to remove the accounts per the fair credit reporting act, they did not do so.
Product: Checking or savings account

On XX/XX/XXXX, I opened an account with Citizens Bank with a promotional offer that stated that I would get a {$300.00} bonus deposit for having a single direct deposit of {$500.00} into the account within the first sixty days of account opening, along with up to {$100.00} extra bonus for up to XXXX debit card transactions done within the first sixty days ( {$2.00} per debit card transaction ). I completed the bonus offer requirements and waited the stated amount of time until I was to receive my bonus deposit into my account of {$400.00} total. The last week of XX/XX/XXXX I reached out to Citizens Bank via Text Chat on their website and inquired as to when exactly I would receive my bonus offer funds deposited into my account. I was told by a representative that I would receive the funds on XX/XX/XXXX due to the date I opened my account and the fact that I completed all requirements to receive the bonus offer funds. On XX/XX/XXXX I had not seen the funds deposited into my account so I once again reached out to Citizens Bank via Text Chat. I was told by a representative that I should have received the funds the previous night during overnight processing but had not done so, and that I should wait until Monday, XX/XX/XXXX to reach back out to Citizens if I had not received my funds by then. I decided to call Citizens on XX/XX/XXXX and was connected with a supervisor who provided me with a case number and stated that I would have a response by the marketing team within two business days detailing when I would receive my bonus offer funds into my account. No email has arrived as of this date. I then also reached out to Citizens via their XXXX account and after two calendar days finally received a response with a case number stating that my info was forwarded to the Chairman 's Office. To this date I have no bonus offer in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Discrepancy in Account Information on my credit report Dear Sir/Madam, I am writing to dispute an error in my credit report under my account, according to the purchase agreement I signed with XXXX XXXX XXXX XXXX XXXX INACCURATE INFORMATION, the date listed on the agreement is XX/XX/XXXX. However, my credit report inaccurately shows XX/XX/XXXX as the date of the agreement. This discrepancy is a CLEAR violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on credit reports must be ACURRATE, COMPLETE, and VERIFIABLE. As per the FCRA, when an item on a credit report is found to be inaccuracte, it must be corrected or removed. In this case, since the correct date is XX/XX/XXXX as shown in the attached purchase agreement, I request that the XX/XX/XXXX date be immediately removed from my credit file. 

I have attached a valid picture of the signed purchase agreement that clearly shows the correct date of XX/XX/XXXX. I kindly request that you thoroughy investigate this matter and make the necessary corrections. If the information is not corrected, I expect the inaccurate entry to be removed my credit report entirerly, as per my rights under the FCRA. 

Please inform me of the outcome of your investigation and provide me with a corrected version of my credit report once the error has been addressed. 
Thank you for your prompt attention to this matter Look forward to hearing from you.
Product: Credit card or prepaid card

On XX/XX/2021 PayPal synchrony bank issued new cards for this PayPal account due to, there discovery of fraud charges and they alerted cardholders, XXXX XXXX XXXX an co card Holder XXXX XXXX XXXX. 

They agreed in writing sent via email and via usps that new cards were being issued. 

On XX/XX/2021, PayPal synchrony bank sent a letter to XXXX and XXXX, confirming that the charges were removed. 

As of today XXXX and XXXX have not received any new replacement cards. This is still an active account thats paid as agreed. 

Give us our cards. 

Attached are both letters from XX/XX/XXXX and XX/XX/2021 from PayPal synchrony bank This does not require any phone calls. As the fraud charges for the reason of issuing new cards was approved and resolved last month, multiple weeks ago.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX original creditor XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX I noticed there was a charge on my debit card for XXXX and XXXX that I did not authorize or reconize. I called directexpress dispute center on the XXXX of XXXX and talked to a employee that brout to my attention it looked fraudulant and sugested I cancell my card and file a report and dispute the charges to start a investigation., so I did. He said I would receive papper work in the mail to fill it out right away and mail back. I had moved during this time and there was a delay in getting those papers turned in. I notified Directexpress by the XXXX XXXX or sooner. I called them several times to make sure I had done everything I was supose to.. On XXXX I received the report saying no error accurred so I called them to discuss the disision with the investigation department and she said was I took to long to reoprt it. since then I found the company XXXX XXXX XXXX and the XXXX XXXX  that have been reported as fraud company with lots of victums like me. XXXX and XXXX
Product: Mortgage

On XX/XX/XXXX I received notice that I had made a partial payment due to changes from homeowners insurance which increased. There was a difference of {$380.00}. I received an email and a text informing me to make the correction. While communicating with XXXX  rep.XXXX, explained the reason for the change and I immediately corrected the default prior to the end of month XXXX XXXX with XXXX on XX/XX/XXXX. Due to the discrepancy and next auto draft had already been sent and I immediately contacted XXXX. I was told by XXXX  XXXX that the check {$3200.00} would be returned. So we initiated online draft for the full amount of {$3600.00}. After that transaction posted I saw on my XXXX Checking that XXXX  did not return the partial payment. They deposited it and overdrafted my XXXX checking account. I spoke with XXXX on XX/XX/XXXX she initiated the draft of {$380.00} since the partial payment was cashed. And was suppose to cancel the new payment. Spoke with XXXX about the email stating this problem would be corrected nothing for me to do, their error. On XX/XX/XXXX XXXX  XXXX along with XXXX customer service and I had a conference call and we were told that all funds would be returned in XXXX business days which would have been Wednesday before XXXX. No return on overnight from XXXX. XXXX  lied and then stole my money for the entire month of XXXX to include XXXX XXXX, XXXX and my mothers birthday XX/XX/XXXX. They have continued to lie when on XX/XX/XXXX XXXX informed/assured me I would get my money in XXXX business days again. Sent me an email again saying check had been sent. Then went in and drafted another {$3600.00} and then reversed it + {$3600.00} and then drafted {$3600.00} from my XXXX Checking. All total they drafted my account XXXX  times for XXXX payments of XXXX. They have lied to me for over 30 days saying they would return my money. They have caused financial hardship, misrepresented their position and ruined my credit standing with my bank. And still I have not received my money. {$3600.00} + XXXX overdraft fees. They do not have the right or the authorization to take my money and apply it to any future payments. it's my money and I want it back. They should waive all late fees, restore my accounts to good standing. Audit my mortgage account and adjust it for present homeowners policy. Today XX/XX/XXXX still no check, no refund and no contact from XXXX.
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did.

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

XXXX5 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within XXXX  days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within XXXX  days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXXXXXX XXXX XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in a federally declared disaster zone from Hurricane Irma. ( XX/XX/2017 ) My mortgage company offered me a 90 day forbearance on my loan, which I accepted. However, after day 34, they reported to all credit bureaus as a missed payment. I called and complained, and they told me that they were fixing it. To ensure no more issues, I told them I will be making all payments as usual and I did. They still reported to all three bureaus the following : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX reported as NO INFO, XX/XX/XXXX was reported as 30 -- 59 days late. Obviously this affected my credit score.

I called again to complain and was told it would be fixed by XX/XX/XXXX reporting. It didn't. get fixed. I would like to have full reporting as payment made on time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and to remove that 30-59 day mark asap.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX is violating my rights they are adding false balance on my credit of an acct that is charged off! They are reporting false and inaccurate payment history. And balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX bank several years in an attempt to resolve a past due balance on my XXXX XXXX XXXX. I asked for a supervisor several times because I wanted to have late fees removed in order to pay my balance in full. I eventually got to a supervisor and told him I just wanted to get the matter of the fees to be dealt with and I would be able to pay my balance in full. 

He lead me to believe that I was going to have my fees waived and would be able to pay my balance, however what he actually did was he entered the payment I made as a " settlement '' and closed my account. And now I have this account flagged as a settlement on my credit report, which was not what I agreed to, this has caused me measurable financial harm and this complaint is my last resort before filing suit in small claims court. 

Attempting to resolve this with XXXX, I was told by a representative that I did agree to a settlement for less than the full balance, which is blatantly dishonest, I paid the full amount of all funds received and asked that the late fees be removed, to call this a settlement for less than the full balance is something I consider to be almost defamatory as the account was " settled '' and closed without my informed consent.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My credit report is being compromised with fraudulent account information as a result of the identity theft. This information is being furnished to and reported by XXXX XXXX, Experian, and XXXX. It is not fair nor equitable that I am suffering from information that does not belong to me. I am entitled to a credit report that is fair and equitable to me at all times. Unfortunately, this matter has compromised my faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

How was this verified when even the collection agency couldn't find an account belonging to me? YES, I provided my full name, address, and account number ( s ) as listed on the credit report. Yet, Transunion is the ONLY bureau still reporting something that is UNVERIFIED!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXXXXXX XXXX VIOLATED THE AUTO MATIC STAY XXXX XXXX. ALSO, XXXX IS FAILING TO VACATE DEFAULT JUDGEMEMNTS ON FILE, THIS DEFAULT WAS ILLEGALLY GOTTEN BY ATTORNEY CHANGING ADDRESS IN THE MIDDLE OF LAWSUIT AND WAS NOT FURNIAHED FINAL COURT DATE. ALSO, REPORTING JUDGEMEMNTS ON XXXX, THAT IS SUPRESSED BECAUSE OF YOU.