23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I made a payment of {$120.00} on XX/XX/23 and sent CareCredit a message requesting that my payment be applied to my non-promotional ( standard purchase ) balance first. They responded on XX/XX/23 with a message saying " In accordance with your recent request, we've applied your payment to your requested balance, effective today. Please allow up to 72 hours for the update to appear on your online account, and the adjustment will appear in the Promotional Summary section of your next billing statement. '' When I looked at my account a couple of weeks later, it looks like my standard purchase balance ( {$100.00} ) was not fully paid off ( still owe {$39.00} on that purchase ) as I requested and one of my promotional balances had increased from the original purchase amount of {$300.00} to {$350.00}. I called CareCredit customer service on XX/XX/23 and they told me that instead of allocating my full payment fully to my standard purchase balance ( as I requested and they promised ), there was an accounting error and my promotional balance was increased instead. This means that not only are they not using my money I sent them to pay off my balance, they are charging me more fraudulently. They said they would correct this error and then they told me that I was not allowed to request payment allocation by message, I had to call customer service. If this was the case, why did they send me a message on XX/XX/23 saying they would allocate my payment as promised? 

If I did not go into my account, I would not have found this error. Even though I called them on XX/XX/23, my account is still reflecting a standard purchase balance as of XX/XX/23 that was supposed to be paid off as of XX/XX/23, which means they are also charging me additional interest on that balance that was supposed to be paid off. This is fraud. They said it could take 2-3 billing cycles to correct this. Why??? So they can charge me additional interest that entire time? Other banks are able to reflect payments and corrections within 24-48 hours. 

I have documentation to support all of this.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this formal complaint against TransUnion for egregiously misclassifying my employment status on my credit report as " Disability. '' This erroneous and discriminatory reporting has directly led to financial harm, loan denials, and reputational damage.

Background Upon reviewing my credit report, I was appalled to discover that TransUnion inaccurately lists my employment status as " Disability. '' This classification is not only false but also an unjustified disclosure that segregates me based on an unverified and inappropriate status. I am not currently on disability, nor do I receive any disability benefits, such as SSI.

This reporting has no basis in fact and raises serious concerns about violations of federal laws, including : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 : This act mandates that consumer reporting agencies ensure the accuracy and integrity of information reported. XXXX failure to verify or update my employment information violates this obligation. 


2. Equal Credit Opportunity Act ( ECOA ), 15 U.S. Code 1691 : The discriminatory nature of this classification has resulted in loan denials, creating barriers to credit access based on a false status, which is a form of prohibited discrimination. 


XXXX. Unfair and Deceptive Practices : The misclassification constitutes a deceptive practice that damages my credibility and unfairly subjects me to discrimination in financial decision-making.
Product: Mortgage

My monthly mortgage payment is {$1900.00} Plus dollars. A portion of which is the PMI payment. I do NOT want a refinance. I want the PMI removed because my house was purchased more than 2 years ago and the property has appreciated more than the required amount for the PMI to be removed.

I have submitted an application for this to be done. I have also obtained and paid for an appraisal and still the bank will not remove the PMI from my mortgage. I have been at this for more than 3 months now, and yet it is still not done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to provide me my free annual report. This has been a problem for the last 5 years. Transunion does not allow me to view my report online.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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> XX/XX/year>, and XXXX XXXX  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. 


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

ftc violation sent inaccurate accounts to the creditors 01 XXXX XXXX XXXX XXXX 01 XXXX XXXX XXXX XXXX XX/XX/XXXX {$2800.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX 08 XXXX XXXX 08 XXXX XXXX XX/XX/XXXX {$4000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX TX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XX/XX/XXXX {$59.00} - XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THE ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED.

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with EXPERIAN, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. Below is the inaccurate information on my report. PLEASE REMOVE THEM IMMEDIATELY.
Product: Checking or savings account

XXXX XXXX i received a letter from South Mississippi collection service inc for the amount of $ XXXX have no knowledge of this account.This debt collectiion was sent to the SOUTH MISSISSIPPI COLLECTION SERVICE on XXXX/XXXX/2021 for the amount of {$230.00}
Product: Money transfer, virtual currency, or money service

I was on XXXX  and my claim went through that was already processed with XXXX  relief through XXXX  but the wells Fargo bank closed my account due to car insurance fraud. When they closed my account and started up a new one XXXX from my claim including XXXX in XXXX  relief was withheld and I never received it. My old account was kept open and the fraud was manufactured through a closed account. I put through disputes to the bank but this portion of my dispute has not been paid back.XXXX is still owed to me. At the time I was emaciated and starving at XXXX for lack of food and work which caused health problems.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Fraudulent Collection Account that just appeared on my profile XX/XX/year> in Violation of the FCRA To Whom It May Concern, I am writing to formally dispute the collection account recently reported on my credit file, which is directly related to a fraudulent account previously removed from my credit report. The collection account list XXXX XXXX XXXX XXXX as the agency and XXXX  as the original creditor. This account is fraudulent, and its reappearance violates the Fair Credit Reporting Act ( FCRA ), particularly in regard to accurate reporting and reinsertion guidelines. 

Under the FCRA : 1. **15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ** - A deleted account may not be reinserted into a credit report unless the furnisher of the information certifies its accuracy. I was not notified of any reinsertion, nor was proper certification provided.

2. **15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ** - Information providers must not report information they know or have reasonable cause to believe is inaccurate.

3. **15 U.S. Code 1681c ( a ) ( 4 ) ** - Adverse information resulting from identity theft or fraud must not be included in a consumers report.

I previously disputed this fraudulent account with your bureau, the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ), providing supporting documentation that confirmed my identity theft case. The fraudulent account CONNS was subsequently removed. The fact that this collection account XXXX XXXX XXXX XXXX ( directly related to the fraudulent CONNS account ) now appears on my credit report is a clear violation of federal law. 

I am requesting : - The immediate deletion of this fraudulent collection account from my credit file. 
- A written confirmation of the removal of this item. 
- An investigation into the furnisher of this information for potential FCRA violations. 

Attached are copies of my previous dispute letters, my FTC Identity Theft Report, and the prior removal confirmation from your bureau. I expect a expedited response, as required by law, and failure to comply will leave me no choice but to file formal complaints with the CFPB and take legal action. 

Please confirm receipt of this dispute and notify me in writing once the fraudulent account has been removed. 

Sincerely, XXXX XXXX XXXX. 
Last XXXX : XXXX **Enclosures : ** - Copy of my FTC Identity Theft Report - Previous dispute correspondence and removal confirmation - Copy of my ID and proof of residence
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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 USC 1681 Section 602 States I have the right to privacy 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end customer credit plan as late for purpose.
Product: Credit card

XXXX XXXX opened a credit card account without my knowledge, by end of 2022 I received a statement from this institution. The statement indicated purchases and collection of respective payment. I contact them and filled a fraud claim since I do not have such card nor request it. The institution hasn't follow up instead they keep trying to collect the debt. On every Month statement that I keep receiving no additional purchases are included but interests keep getting accumulated. I just file another fraud claim and they mentioned it'll take them up to 10 business days to provide a resolution.
Product: Debt collection

Phone call made to brother with a message on ans machine including personal info ... complaint about to be filed, case #, just things I did n't think was appropriate or a answering machine.
Product: Credit reporting or other personal consumer reports

I received an email on XX/XX/XXXX from XXXX XXXX that any fraudulent trade lines related to my report have been removed. But as of today Experian still has NOT deleted this from my credit report. 

Please inform EXPERIAN to remove this since it has been more than 30 days Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter from XXXX stating they were decreasing my credit limit from {$10000.00} to & XXXX due to credit bureau Experian reporting. I had missed some payments but had not made active purchases since I knew I was struggling to make the payments every month. All payments I did make, however, were on time and for more than the required amount due. Once I received the letter on XX/XX/XXXX, I made a very serious attempt to get my account up to date, making good progress towards the balance and getting my credit score up to buy my first house. XX/XX/XXXX made a payment of {$1000.00}, XX/XX/XXXX made a payment of {$1000.00}, XX/XX/XXXX made a payment of {$1000.00} and XX/XX/XXXX I made a payment of {$2000.00}. Upon checking my credit score today as I am working with the bank on a mortgage loan, I find out only through the credit reporting agency that XXXX had again decreased my credit limit, this time from {$9400.00} to {$5300.00} taking my credit score way down. Now I will be over my credit limit. I spoke to Journey at XXXX XX/XX/XXXX and she could not help, they get notified from the credit agency, plug in the info, without taking anything into consideration, for example that I paid {$4000.00} in the month of XXXX trying to get this down, then asked and spoke to her supervisor XXXX who also said there was nothing she could do about it as she is not part of the " decrease '' department, whatever that means? This really hurt me in my attempt to purchase a home for my family and I can find any help to reverse what XXXX has done to my credit.
Product: Mortgage

XXXX XXXX out of XXXX was sued in XXXX in XXXX XXXX XXXX and the EX-CEO XXXX XXXX was asked to produce a Contract and Proof of any money lent to XXXX XXXX XXXX XXXX the law firm was suppose to respond.There was XXXX Response ' which is 'TOTAL FRAUD! 'Ocwen XXXX the XXXX Servicer of the XXXX have 'HARASSED ' XXXX since XXXX and bought XXXX XXXX in XXXX, XXXX has XXXX CONTRACT ' nor has any 'MONEY BEEN LENT ' to XXXX by them The XXXX Contract lapsed in XXXX! XXXX the XXXX of Limitations lapsed in XXXX! The XXXX has been 'BREACHED ' XXXX times! XXXX was SWINDLED by the Mortgage Broker XXXX XXXX in XXXX who FRAUDULENTLY wrote XXXX makes {$150000.00} a year when XXXX averages {$31000.00} a year! That '' XXXX a {$120000.00} difference! MAJOR PREDATORY LENDING! Then XXXX sent {$600000.00} of his XXXX stripped money to a 'PONZI SCHEME! 'Why hasn't the SEC XXXX XXXX XXXX Why hasn't the SEC investigated the Law Firm XXXX XXXX, XXXX, XXXX XXXX XXXX? The SEC sent me to them and they CHEATED me out of a Settlement with XXXX XXXX that was worth Millions! We the People PAY YOU TO DO YOUR JOBS AND NOTHING IS BEING DONE!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted to Experian all the information they requested ( experian I.D. #, Auto Insurance Bill, Gas Bill, Bank Statement, Copy of Drivers License, A letter with my name 2 previous addresses, and Social Security number ) in order to permanently remove a credit  freeze. As of XX/XX/XXXX, my credit is still frozen with them. I've called their phone number numerous times, only to go through a computerised menu of prompts and then when I reach the specific area to deal with my situation, they hang up. 
I do not know if they've recieved my information. I've also tried to remove the freeze online. But at the end they ask for the same information I've already sent. Is there any way to talk to a person at Experian to at least find out if they've recieved my information? I put a freeze onmy credit XX/XX/XXXX with all 3 credit agencies. With XXXX   and XXXX, it was easy to remove the freeze. Any help you could give me to get my credit unfrozen with Experian would be greatly appreciated.
Product: Credit card or prepaid card

Chase failed to credit my account for 5 transactions for which they already collected from the merchant via a chargeback. In response to me, Chase claimed to have been unable to pursue credits from the merchant due to the age of the transaction. However, after going back to the merchant to attempt further resolution, the merchant has informed me that in fact Chase did already collect 5 of the transaction credits. The merchant also provided me documents and details showing how chase had already issued these chargebacks. As it appears, Chase mistakenly grouped all items ( including the once they were unsuccessful without noticing that some were indeed successful ) and failed to apply these credits to my account. I still have an ongoing battle about the other transactions to which Chase has been unable to pursue thus far, however, the 5 which Chase did collect must be credit to my account without further delay. - See my letter for further details.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX Status Closed. {$770.00} written off. 

Account Name XXXX XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Status Account charged off. {$760.00} written off. {$530.00} past due as of XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Status Paid, Closed. {$660.00} written off. 

Account Name XXXX XXXX XXXX Account Number XXXX Status Account charged off. {$640.00} written off. 

Account Name XXXX  Account Number XXXX Status CLOSED 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 15 U.S C 1681C ( A ) ( 5 ) SECTION STATES No consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 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: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, still a few account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few item on my report. According to FCRA section 605b, the credit bureaus is obliged to remove or block any account that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX XXXX Balance Owed : {$4600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Failed to validate account number XXXX per my request mailed on XX/XX/2020. 
Due to XXXX XXXX  failure to validate account number XXXX, I mailed a follow up letter on XX/XX/2020. 
On XX/XX/2020 I mailed XXXX  XXXX XXXX a letter demanding deletion of account XXXX due to two failure attempts for validation via Certified Mail Tracking Number XXXX which was received on XX/XX/2020. Return Receipt Tracking number XXXX. 
Due to XXXX XXXX XXXX failure to validate account XXXX twice, I demand the tradeline be deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX XXXX XXXX  Delete this account. 


3. there is some inaccurate information reporting XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.