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

I am writing this letter to express my extreme frustration and disappointment with the slow response to my identity theft dispute that I initially submitted to your bureau. I understand the importance of your role in safeguarding the accuracy of credit reports, but the lack of timely action on my case has caused me considerable stress and concern. On XX/XX/2023, I first contacted your bureau to report suspected identity theft and requested an investigation into the unauthorized accounts and transactions appearing on my credit report. I provided all the necessary documentation, including the FTC report, to support my claim and establish my innocence in this matter. I had hoped that your bureau would act swiftly to rectify this situation, as I am currently facing severe financial and emotional consequences due to this fraudulent activity. To my dismay, it has been XXXX ( XXXX ) months since I initially filed my dispute, and I have yet to receive any resolution or updates regarding the progress of the investigation. During this time, I have had to endure numerous challenges, including denials of credit applications, increased interest rates, and damage to my credit score, all of which are directly linked to the false information on my credit report. This delay has had a significant impact on my financial well-being and overall quality of life. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPlease delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

Remove all fraudulent and inaccurate accounts from my credit report. 
XXXX any information resulting from identity theft, as required by FCRA. I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

TRANSUNION IN ITS CAPACITY IS ACTING AS A DEBT COLLECTOR FOR THE FURNISHERS OF THE INFORMATION PRESENTED IN MY CREDIT REPORT.FCRA relief i am afforded under FCRA 605B ( 15 U.S.C. 1681c-2 ) to block the information and its my assertion that TransUnion is the furnisher of the credit report, and is willful non compliance of rule FCRA 605B ( 15 U.S.C. 1681c-2 ). and under rule Sec. 616. Civil liability for willful noncompliance, I never misrepresented my information, My mom passed away and i learned of accounts being on my report that didn't belong to me by trying to secure financing for funeral services, and to settle different aspects of her estate.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX 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 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 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

This letter is a formal complaint that you are reporting inaccurate credit information. 

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a mortgage, which was highly embarrassing and has negatively impacted my lifestyle. 

With the proof I 'm attaching to this letter, I 'm sure you 'll agree it needs to be removed as soon as possible. 

The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX - Account # XXXXPlease delete the above information as quickly as possible. 
With Attached proof you can see that XXXX XXXX has:1. Changed the account number from the number that is listed on my credit report2. XXXX XXXX is trying to verify an address I never lived XXXX. XXXX XXXX has failed to verify that the account was mine as stated in letter4. XXXX XXXX has no record of application5. XXXX XXXX has failed to remove account after reported identity fraud with fraud reort attached as evidence
Product: Vehicle loan or lease

I sold my vehicle as part of a trade in 5 months ago ( XX/XX/XXXX ), the dealership sent Chase bank, the payoff for the vehicle sold. All was fine and well. I noticed 3 months after selling the car my account had a credit of $ XXXX. I inquired about it with a Chase rep online and they said there was an overpayment on the account and they had sent me a check for the credit. I never received the check because it was sent to my old address so they sent a new one. By the time I received the check, it was over 3 months that I sold the vehicle, and the letter attached said thank you for paying off your vehicle, weve released our lien, etc etc. So I cashed the check. 

Now, in XXXX, 5 months after selling the vehicle, Chase bank calls me to tell me I have 30 days to pay back the credit issued or they would be sending me to collections for unpaid debt from the last 5 months. I was confused because it was the first time I was hearing about this and everytime I had looked at my account it was at {$0.00}, I never had a balance. 

They said it was a bank error that caused the credit and that it was never meant to be issued to the customer ( me ), and instead it should have been applied to the payoff. When they realized their mistake they reopened the account and reverted it back to XXXX. 

After making peace with the fact that I had no other choice but to pay it back despite only being given 30 days even though it was their fault. I called them to pay back the check which totaled {$3000.00}, and they said no thats not your balance because of the late fees and interest that have been applied from the last 5 months. 

I refuse to pay anything additional than the check I was issued because that is all I owe them not a XXXX more. And its unfair and ridiculous that they are making me pay late fees and whatever else when it was their mistake. 

I have spoken to several reps including 3 supervisors, all of which have told me different stories relating to the account. I asked to speak to a manager on XXXX and I still havent received a call back ( today is XX/XX/XXXX ). The last supervisor I talked to said she would recommend I pay the full balance which was like {$3300.00} or something around that number and they will most likely refund me after they revert the account back to XXXX and they couldnt remove the late fees because of the delinquency on the account. Again, the delinquency is not my fault and if we look at my payment history before the vehicle was sold, I never missed 1 payment and was on time every time. 

I am willing and ready to send them the money that they mistakenly credited to me, but it is unfair for them to expect me to pay anything more.
Product: Checking or savings account

On XX/XX/XXXX I was charge XXXX NSF by Chase to my checking account, for XXXX purchases that were pending for a few days but posted that day. 

I dont have overdraft protection on my checking account. The XXXX transactions associated with the NSF was a POS transaction, recurring payment, and an online e-check payment, and all were made when the account had a positive balance. 

One online payment, which should have been denied due to not having overdraft protection, was requested on XX/XX/XXXX and posted on XX/XX/XXXX to the account which caused the account to go negative. Coincidentally, all XXXX transactions that were pending decided to post that day too. All XXXX transaction then resulted in a NSF. 

Why is it setup this way? Why didnt chase have that transactions in limbo for a few days, like it did the others? Why did it backcharge me, but for NSF when at the time of the purchase the account balance was sufficient? 

The method in which system employs to post transactions favors fees and overrides not having overdraft protection, as the online payment should have been denied or posted last, since it was the last transaction made. However, it was posted first causing me to owe {$100.00} in NSF under false conditions set up to defraud me. 

Im making this complaint in efforts to regain my money and for it to be the record the method chase uses to take money from their customers. 

Timeline of transactions : XX/XX/XXXX : - {$75.00}. e-check payment XX/XX/XXXX : - {$10.00} recurring gym payment XX/XX/XXXX : - {$13.00} POS debit XX/XX/XXXX : - {$82.00} online payment Chase then decides to go back to the future and charge me fees for transactions that were made when the account had a positive balance.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX and XXXX regarding three separate debts that are reporting on my credit report. They are not correct and causing me financial problems. 
I have asked that they investigate these debt to prove the validity of these debts and they have not done their jobs. In fact, they have allowed these companies to continuously report on my credit report illegally without validating them. 
XXXX XXXX XXXX  XXXX account information incorrect and must be deleted -Receivable management systems XXXX XXXXXXXX Account information, incorrect, and do not belong to me must be deleted. this account was deleted previously and reinserted without my knowledge or me being informed within the five days I am permitted to dispute. This account must be deleted. I also have contacted the creditor, and they have not provided me any documentation, nor any itemize list in the amount of time. Violated FCRA Part ( A ) ( 5 ) B ) ii ) XXXX XXXX XXXX XXXXXXXX Account balance incorrect account history incorrect account status is incorrect. I have contacted the original creditor, and they have sold it to another creditor, but are not reporting it to the credit bureaus this must be deleted.Violated FCRA Section 605 ( c ) Running of the reporting period
Product: Credit reporting or other personal consumer reports

I'm filling a claim as a victim of TransUnion. I have been denied housing on multiple occasions due to TransUnion 's negligence. I also know my information has been compromised by TransUnion due to TransUnion 's sharing of ( what they believed to be ) my personal information, which caused much harassment from multiple third party companies, which I still receive, to this day. Also, currently hacked and started hacked this whole time, due to this company 's negligence. I was also homeless for a good part of 18 years. XXXX XXXX as well. This kept me from a lot as I am smart enough to be a XXXX graduate ; also took a vile toll on my health and mental state. I'm the poster child for what these credit companies do to consumers. I'm no longer frightened ; just seeking immediate justice.
Product: Debt collection

My personal belongings were stolen including my Social security card in XXXX around XXXX, I didnt notice the UPSTART account on my credit until XX/XX/XXXX when i tried to apply for a credit card and they told me reason for denial is because of UPSTART loan account was in collections. I am providing documentation of a Police report regarding the incident and i asked the Three credit bureaus to put a lock on my credit profile for protection. This account unauthorized and wrongfully opened with my personal information and would like for this to be removed from my credit profile as it is affecting my personal life.
Product: Credit card

I went to check my payment for next month XX/XX/XXXX via the SYNCHRONY app and it had said go online or call SYNCHRONY. I checked the online this morning to find out that the account is closed with no reason as to why it was closed I called XX/XX/XXXX to SYNCHRONY they said due to to many revolving credits I told the rep. they had no right to look at my other accounts or check my credit score with out my authorization bad enough they had already lowered my account last month from XXXX $ to XXXX XXXX I also asked why they closed the account all they could say was revolving credit and couldn't answer who I could talk to about it being resolved.
Product: Credit card or prepaid card

I attempted a balance transfer offered by CitiCards. On XX/XX/2022, CitiCard processed a request for balance transfer from my XXXX XXXX XXXX XXXX card account in the sum of {$830.00}. Upon receipt of my statement from CitiCard indicating this transferred had been processed, I checked my balance with XXXX XXXX and discovered no transfer had occurred. I contact customer service for CitiCard who informed me the transfer was processed and it took possibly up to a month for the payment to post to my other card. I waited another week and still no posted payment to Citicard. In the meantime, the {$830.00} is charged to my CitiCard account. I contacted customer service for XXXX XXXX who stated there was no record of a transfer. I then called CitiCard customer service again and told them my situation and asked if there was a way to track where the money had gone. The woman curtly advised me that the transfer had been processed and there was nothing more she could tell me. I can not believe there isn't some sort of safeguard in place for tracking disbursement of funds. I just want the money sent to the correct account. To date, the {$830.00} remains on my CitiCard and no monies have been sent to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is EXPERIAN 's duty to report correct and accurate information on my credit report and file, however they are NOT. 

EXPERIAN is reporting 1 inaccurate late payments for the XXXX XXXX XXXX account beginning in XXXX. This includes a 30 day late payment posted in XX/XX/XXXX for this account. 

In addition, EXPERIAN is reporting 3 late payments for the XXXX XXXX XXXX XXXX account. This includes 30 day late payments posted in XXXX, XXXX and XX/XX/XXXX for this account. 

In addition, EXPERIAN is reporting 3 late payments for the XXXXXXXX XXXX XXXXXXXX account. This includes 30 day late payments posted in XXXX, XXXX and XX/XX/XXXX for this account. 

In addition, EXPERIAN is reporting 1 late payment for the XXXX XXXX account. This includes a 60 day late payment posted in XX/XX/XXXX for this account. 

These are incorrect and need to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Mortgage

My husband and I received a letter from Loancare XX/XX/XXXX stating that our escrow balance was XXXX dollars short. I called and after a XXXX minute wait, an agent came on the phone. I explained to her, ( agent XXXX ) that I did not understand how there could be such a drastic increase. Our property taxes went down XXXX dollars and her response was that our homeowners insurance increased by XXXX dollars. She emailed me a payment history that could not be read. So I called our homeowners with XXXX and they adamantly told me that they have not processed our XX/XX/XXXX-XX/XX/XXXX premiums and that no one has spoken to a Loancare rep. I asked for that in writing and she sent me an email through our account. Loancare will not respond to my emails or calls. I continue to have XXXX min+ wait times. 
I would like to know where and how they are coming up with an XXXX dollar shortage. This seems unethical and fraudulent. I trust that XXXX is acting with integrity and telling us the truth, Loancare is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint numbers : XXXX ; XXXX ; and XXXX am including them again. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$950.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00}.
Product: Debt collection

Velocity, CKS Prime stated while attempting to collect a debt, that it is not legal for them to remove a collection item from my credit report for 7 years, as it is proven differently on this very site. I request CKS Prime/Velocity, to provide me with all the assignment paperwork showing they held legal rights to any funds from me, and they failed to do that, and the case was closed. I still request in writing, good will deletion, or 30 days from the previous request for documentation that was not provided before the case was closed. I really don't want both myself, and CKS Prime to waste our resources over a couple of accounts already marked closed, but if that is the route CKS Prime/Velocity wishes to take, they may hear from me often.
Product: Student loan

I agreed to co-sign my grand-daughter 's college loan, Sallie Mae, 2 years ago. They now have us paying for a loan that was to be deferred and I owe more than she does. We are XXXX and worried about this situation. Can you help us?
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper Investigation according to the FCRA, from my Certified Letter Request in XXXX and XXXX, XXXX. ( 1 ) They ignored my request for a Re-Investigation, ( 2 ) they failed to provide their Method of Verification ( including the real name, address and phone number of the furnisher ) after I requested it, ( 3 ) they are willfully and recklessly reporting false, inaccurate information after being notified of the reporting error and failing to investigate or correct the error ( 15 USC 1681 s-2, Responsibilities as a Furnisher of Information ), and ( 4 ) they have failed to notate my account or furnish the Required Disclosure, within the period of time required by law, that an item on my credit report is under dispute, i.e. Notice of Dispute after a creditor or debt collector has reported the dispute ( FCRA Section 623 ( a ) ( 3 ). 

Also, they have violated my rights as a consumer even more. In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my Consumer ( credit ) Report. 

The Credit Bureaus stated that my accounts were property Investigated, but how is this possible when the information ( including account data ) contained in each of the three major Credit Bureaus is not the same ; the date opened is Inaccurate, the date of last activity is inaccurate, the account status is inaccurate, the date last reported is not accurate, the balances and credit limits are inaccurate. This is a violation and is grounds for immediate removal. 

They also violated the Law because according to 15 U.S.Code 1681 section 602 ( A ), it states that I have the Right to Privacy. And 15 U.S.C. 1681 Section 604 ( A ) Section 2 : It also stated that a Consumer Reporting Agency can not furnish an account without my written instructions. I did not give anyone written instructions. 

These Accounts are Inaccurate, Incomplete, Unverifiable, Unfair, Erroneous Creditor Account Name * Account Number * Error / Inaccuracy or Violation XXXX  XXXX XXXX Notice of Dispute Violation XXXX XXXX Notice of dispute Violation XXXX XXXX  XXXX XXXX Notice of Dispute Violation XXXX  XXXX  XXXX Inaccurate Open Date XXXX  XXXX  XXXX Inaccurate Date of Last Activity XXXX XXXX XXXX XXXX Date of Last Activity XXXX XXXX XXXX Credit Card XXXX Notice of Dispute Violation XXXX XXXX XXXX XXXX. XXXX Notice of Dispute Violation XXXX XXXX XXXX High Balance is Inaccurate XXXX XXXX XXXX XXXX XXXXXXXX High Balance is Inaccurate XXXX XXXX  XXXX XXXX XXXX Notice of XXXX XXXX XXXX XXXX XXXX Notice of Dispute Violation XXXX XXXX XXXX XXXX Inaccurate Date of Last Activity XXXX XXXX XXXX XXXX Inaccurate Date of Last Activity XXXX XXXX XXXX  XXXX Notice of Dispute Violation XXXXXXXX XXXX XXXX  XXXX Notice of Dispute Violation
Product: Credit reporting or other personal consumer reports

Back in XX/XX/2023, I started the XXXX XXXX program which transfers your loans into a XXXX XXXX status. As part of the initiative you get a fresh start and ALL LATE/PREVIOUS/PAST payments are to be REMOVED to have a " Fresh start '' after 90 DAYS of signing up. I spoke with NELNET and they stated that XXXX XXXX were responsible for updating my credit report to reflect NO late payments. After 7 months of trying to get it resolved XXXX XXXX, they stated that they were informed by the dept of Education and student aid.gov that NELNET are the ones that suppose to update my credit report since they were my original loan servicer and they still have loans that belong to me and loans were sent to XXXX XXXX. I spoke with the dept of Education and student aid.gov as well and they've stared to reach out to NELNET to RESOLVE.
Product: Mortgage

I got a reverse mortgage in approximately XX/XX/2006. I can't state that I was informed about the taxes I am not sure. Champion Mortgage now has the loan and I would pay the taxes then I would make payments to repay the amount. They are charging me for homeowners when I have been paying homeowners since I bought the home. I have informed Champion and I am sure that a lot of what they are trying to foreclose on is the insurance. No one there took any interest in what I had to say. I am XXXX and need help. 

Thank you.
Product: Student loan

I have two loans that have been transferred to Aidvantage. One is due to start repayments in XXXX. It is for {$12000.00} at XXXX XXXX interest for XXXX years. Aidvantage has this calculated as $ XXXX. It should be ~ $ XXXX. 

I called on XX/XX/23 and the service representive agreed with my calculations. She said the loan would be redisclosed and corrected. 

On XX/XX/23, the monthly bill was still incorrect. I submitted an email through the company 's website. 

Today, XX/XX/23, I checked and the bill amount is still incorrect/unchanged. The company is planning to withdraw money from my account on XXXX. I have been on hold today for XXXX minutes with no answer. I tried the chat function and it stated " We are currently having heavy volume. Sorry for the inconvenience. Please try back later. ''