23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I received an Amex XXXX XXXX for {$2000.00}. I visited the Amex gift card website I clicked the link to validate the card, which loads on XXXX XXXX XXXXamexgiftcard.comXXXX XXXX XXXX  and shows the correct balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX  VICTIMS LETTER TO CONSUMER REPORTING AGENCIES XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX Block Request Dear Sir or Madam : I am a victim of XXXX The information listed below which appears on my credit report is the result of XXXX XXXX XXXX XXXX XXXX - score impact : low Summary Details Transactions Source : Credit Report As of XX/XX/XXXX Account # XXXX Account Status Open Payment Status Past Due - {$30.00} Balance Owed {$620.00} Payment Amount {$43.00} Credit Limit {$500.00} Recent Payment History XX/XX/XXXX XX/XX/XXXX - - - - - - - - - - Days Late - 7 Year History : 30 : 0 60 : 0 90 : 0 View Complete History Take Action Action History XX/XX/XXXX Update My Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CT XXXX Phone : ( XXXX ) XXXX And all 23 InInquiries Source : Credit Report As of XX/XX/XXXX Text field Business Name Business Type Inquiry For Date XXXX XXXX XXXX  Automobile Financing Company XXXX XX/XX/XXXX XXXX XXXX XXXX Automobile Financing Company Individual XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Auto Dealers , New Individual XX/XX/XXXX XXXX XXXX XXXX XXXX  Automobile Financing Company Individual XX/XX/XXXX XXXX XXXX XXXX Auto Dealers , New Individual XX/XX/XXXX XXXX XXXX XXXX Automobile Financing Company Individual XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  - score impact : medium Summary Details Transactions Source : Credit Report As of XX/XX/XXXX Account # XXXX Account Status Closed Payment Status Current Balance Owed {$0.00} Payment Amount {$0.00} Credit Limit -- Recent Payment History XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - Days Late - 7 Year History : XXXX : XXXX XXXX : XXXX XXXX : XXXX View Complete History Take Action Action History XX/XX/XXXX Update My Account XX/XX/XXXX Correct a credit reporting inaccuracy XX/XX/XXXX Correct a credit reporting inaccuracy XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX Phone : ( XXXX ) XXXX And all 23 Inquiries and Negative, Student Loans Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have autopay that pulls monthly on the XXXX. I pay extra each month to the highest interest rate loan. I have it in my settings to not advance the due date. Navient 's autopay pulls the same amount each month, even if the statement shows I owe less. The autopayment and statement difference is sprinkled across all my loans, putting as little as less than {$2.00} on the highest interest rate loan, because Navient advances my due date on whatever loan I pay extra on, even when I direct it not to. This has been happening since XX/XX/2018. I called the first time XX/XX/XXXX, and they backed my due date up so my autopay would be applied appropriately. I called again on XX/XX/XXXX, and the agent was not helpful, and told me I'm not making my payments correctly, and switched my settings to pay on the highest balance, which is not what I want. While currently that would apply the extra on my loan to the highest interest rate, it won't be correct for long as I pay extra each month.
Product: Checking or savings account

XXXX a return deposit of {$5300.00} was withdraw from my account. The money was never deposited. A check with false information was made out to me, and someone forged my signature. The check they wrote was all fraudulent, from the company name, address, bank etc. I went to Truist on the XXXX of XXXX and started a claim with the fraud department I received a letter in the mail on XX/XX/XXXX dated the XXXX stating that Truist denies my claim. Back to the bank XX/XX/XXXX to discuss this matter with the relationship Banker, she called the fraud department and reopened the claim. I am to meet with the Banker on XXXX XXXX XXXX XXXX
Product: Credit reporting

I contact Experian previously by phone to have personal info such as old/inaccurate addresses, inaccurate addresses, old phone numbers, and inaccurate aliases removed from credit report. The agent I originally spoke with refused to correct the information and was rude and unprofessional. By FCRA laws, any and all inaccurate information is to be removed and updated. Since I was told I needed to file a dispute of old/inaccurate information. I disputed the information online but they still have refused to remove the incorrect information. I am very upset that they will not remove inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECIEVED MY CONSUMER REPORT AND IT IS FULL OF INACCURACIES AND LISYED BELOW ARE THE INACCURACIES DELETE IMMEDIATELY. 

XXXX XXXX BALANCE XXXX $ XXXX CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ). ( TRANSUNION ). 


XXXX XXXX BALANCE XXXX $ XXXX CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( INACCURATE ) ( XX/XX/XXXX ) LAST REORTED IS ( INACCURATE ALSO ) ( XX/XX/XXXX ). ( XXXX ). 


XXXX XXXX BALANCE XXXX $ XXXX OPEN ( INACCURATE TRANSUNION AND XXXX HAS STAUS CLOSED.ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) IS A ( INACCURATE DATE ) OPEN DATE ( XX/XX/XXXX ) ( INACCURATE ) DATE WITH TRANSUNION.LAST REPORTED DATE ( XX/XX/XXXX IS INACCURATE DATE ALSO, ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing as a closed account with XXXX balance on the system. However, this account keeps being run through all three credit bureaus as an active account. As a result my credit score is Lowering not only for this but multiple collections on the same account but for different amounts. This account has aged out and shouldnt even be on my credit report. This is an extremely old account. This company is saying they just found me. Ive lived at the same location since 2010. This account is marked as a charge off and I shouldnt still be penalized for it as an active account. Im being severely hurt by multiple reporting for the same account
Product: Credit reporting, credit repair services, or other personal consumer reports

On " XX/XX/2020 '' my credit score went down 18 points because of supposedly my credit card was " 30 days late for the month of XX/XX/2020 ''. First of all, we're only 9 days into the month of XXXX of 2020 ... so how can I be 30 days late??? Second of all, I called the credit union and they said they NEVER reported this to the credit bureaus. Experian stated the credit union reported this late and that my dispute will take up to 30 days to get fixed. WHY DID THIS ERROR OCCUR? AND WHY DO I HAVE TO WAIT FOR SOMETHING TO BE CORRECT THAT'S CLEARY AN ERROR ON THEIR PART? My account is not late! My account even has a zero balance! And .... now I have to fight with 3 credit bureaus to fix this error. This is horrible!!!! No one is acknowledging their error, the credit union said they NEVER reported this, and the credit agency said the same thing but I have to wait. The credit bureaus are all lying, not reporting accurate information, and also sell our information. I'm a Veteran dealing with this XXXX!
Product: Credit card or prepaid card

Hello, our Citi credit card was used for the following fraudulent XXXX transactions. Citi contacted us via text and we responded that these are not our transactions. We have not used XXXX for months. Citi closed the card. However, we can not get our credit for these fraudulent transactions, even though they opened a case ( no. XXXX ) and we called twice : 1 ) spoke with XXXX ( Citi Fraud dept ) at XXXX and she told me she will reverse all XXXX charges 2 ) spoke with XXXX ( manager of fraud dept at Citi ) XXXX and he said that all these XXXX charges will be reversed. 

we just received our credit card statement and Citi added all these charges to our statement and didn't reverse any of them. 

XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$29.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$11.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$47.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$21.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$31.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$35.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$81.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$22.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$25.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$38.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$47.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$51.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$16.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$27.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$45.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$64.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$17.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$27.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$120.00} Total {$760.00}
Product: Credit reporting or other personal consumer reports

Dear LexisNexis, I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the XXXX major bureaus : XXXX, XXXX, and XXXX. 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included? 

Thank you for your time and clarification on this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I purchased an item from this company in mid XXXX XXXX XXXX and immediately returned it ( my house could not accommodate the restrictions of this item ). I was informed that they received the item and that they would refund my account. When I received the subsequent bill for my account, the refund was missing. So I called customer service ( mid XXXXXXXX XXXX XXXX ) and explained that my account was not credited. Thats when I learned that they had established a new credit account and that was where the refund was sitting. I explained that I had no understanding that my refund would be held by the company. No where was that explained to me. So I corrected that the amount should have been put in the account of purchase. It was explained that subsequent purchases are being paid with this new account, and then I requested the remaining finds either be returned to me or the account of purchase. I was told this is not possible. Why is this allowed to be called a refund when I can not access it? And why are they allowed to hold money that belongs to me? The amount of money is several hundred dollars and this is close to if not actual theft of my property. I would like something to be done about this practice, which at the very least is abuse of customer funds.
Product: Credit reporting or other personal consumer reports

Im writing to exercise my rights under section 609 of the Fair Credit Reporting Act. Im requesting information regarding the following accounts listed on my credit report : Account Name : XXXX XXXX XXXX XXXX Account name : Capital one Account Name : XXXX XXXX XXXX  According to section 609, Im entitled to all pertinent information regarding these accounts, including the original contract with my signature. If youre unable to find this information within the 30-day time limit, I request that you immediately remove the information from my credit report.

As proof of my identity, please confirm copy of my Social Security card, birth certificate, passport, W-2, electric bill, and rental agreement. Also included is a copy of my recent credit report, with the accounts in question highlighted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

Account blocked without reason or previous notice Date : XXXX Account : XXXX Card Number : XXXX Case Number : XXXX After making 5 XXXX transfers from my own accounts : # XXXX # XXXX # XXXX  # XXXX # XXXX My Citibank account was closed without any reason and I can not access my account anymore it says that my account is inactive now. 
They have not responded to any of my calls or other communication other than the email attached with my case number. 
I need my money now, and I would like to regain access to my account.
Product: Mortgage

Hello CFPB, We just read about the multistate action involving  Ocwen Loan Servicing.  Is there a plan to provide consumers victimize d by Ocwen with a s hare of the fines levied  against Ocean?  In   XXXX   after Ocwen claimed we were behind in our escrow balance we initiated our own research and found our escrow account had been mishandled  by Ocwen. After m onths of effort on our part to get our escrow funds back and eventually refinancing our home, we got out from und er Ocwen and their thr eats to dramatically increase our mortgage payments.   We spoke with several attorneys in     XXXX   and they felt there must be many others affected by similar   Ocwen stunts but believed it was cheaper for us to refinance and move on.
Are previous customers of Ocwen going to receive any money for damages ( stress, lost time, lost money, etc. ) from this action? We are Maryland residents and would like to know how to file a claim.   Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$250.00} XXXX XXXX {$460.00} XXXX XXXX XXXX {$740.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$170.00} USDOE/XXXX XXXX {$420.00} XXXX  XXXX {$740.00}
Product: Credit card

I had XXXX credit card accounts with Capital One with {$300.00} credit limit or so on each XXXX of them. I set up auto pay through my bank account to pay off the balance at {$50.00} dollars a week until they were paid off. I received a bill in XXXX 2014 saying I owed a little over {$90.00} or so on each XXXX but I did n't worry about it because I had it on auto pay. A couple of months later I get a letter in the mail from a collection agency saying the cards were charged off. I contacted Capital One to let them know that there was a problem with the bill pay system that I was n't aware of at the time and they decided to remove the negative accounts from my credit files even though it 's still reporting on XXXX. I wanted Capital One to remove the late payments and charge off status from the accounts because I never paid late on those cards for almost two years until this incident. I would like for Capital One to place the cards on my credit file with all late payments removed and a paid as agreed status and give me the opportunity to pay the {$180.00} to {$210.00} I owe on both of the cards collectively. I got those cards to boost my credit score and kept up the payments. Removing the cards from my credit file did n't help me at all and it feels like I put in two years of hard work for nothing.
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE! Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received and updated credit report from XXXX and transunion. I am submitting this complaint because XXXX is still reporting XXXX XXXX/XXXX on my credit report. I received a confirmation letter from XXXX that this account was fraudulent and they are advising all 3 credit reporting agencys to remove this account off my reports. It is still reporting I am also complaining about teachers federal credit union that was deleted off my transunion credit report but is still reporting on XXXX. I have been dealing with this issue for months now as this negative information that dont belong on there is affecting my credit score. XXXX I feel does not do complete investigations because if they did they would have received the same response as transunion did to delete off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted complaint ID XXXX because my mortgage was not being reflected on my credit report. The mortgagor stated that they submitted the correct information to the three credit bureaus. To date, the three credit bureaus are not reflecting my mortgage account. The mortgage account with the previous bank, XXXX XXXX XXXX is not reflected on my credit report, neither is any information from the new mortgage company. 

Additionally, when the account was transferred in XX/XX/XXXX, the credit bureaus closed the mortgage account and dropped my credit score 114 points. The old account does not show as a closed account. They are not reflecting the new mortgage. Also, my XXXX XXXX credit card was upgraded to an XXXX XXXX card in XX/XX/XXXX. Instead of transferring the balance, the credit bureaus closed the XXXX XXXX account, dropped my score 41 points and then added the XXXX account. 

In my opinion, the credit bureaus are inaccurately reporting data and manipulating credit scores to sell credit cards, loans, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card that was sent to a collection agency by the card issuer. The collection agency that they chose to collect this debt sent me a letter offering a settle for less than full balance. 
I paid this amount and requested the amount be corrected to a XXXX  balance on my credit report through XXXX credit reporting agency. They responded with a statement showing that the original creditor states that the balance is correct.
Product: Credit reporting or other personal consumer reports

This account [ XXXX XXXX XXXX ] was charged off on the date : ( XX/XX/XXXX ) Ever since then the date of last activity has been improperly and inconsistently updated. On XXXX it shows last activity was ( XX/XX/XXXX ), On XXXX it shows that the last activity was ( XX/XX/XXXX ) & On Experian it shows ( XX/XX/XXXX )! 

To my knowledge, the law says ALL credit reporting agencies must work together and be joined to report the same information accurately. This account isn't reporting the same across all so that must not be the case and this account needs to be removed immediately. 

According to 15 USC 1681b ( XXXX ) ( XXXX ) - Notification system by agencies that operate nationwide : Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( XXXX ) jointly with other such consumer reporting agencies. 

Due to the fact that things are being reported differently between XXXX, XXXX XXXX Experian, it's clear that you all aren't in compliance with the law and my rights are being violated. A notification system is not being maintained and therefore this account is INACCURATE! No inaccuracies may be reported. On several occasions, you failed to investigate this account properly and therefore I DEMAND YOU TO DELETE THIS ACCOUNT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX - XXXX - XXXX - 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX