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

I've sent dispute letters from XX/XX/2021 up until XX/XX/2021 stating that the account is inaccurate and needs to be deleted for XXXX XXXXXXXX XXXX. 
None of the information has been verified and I have not been sent proof of what they did to verify the account. 

This account is reflecting as a charge off and should not be showing active payment history.
Product: Credit card or prepaid card

I made a payment to my XXXX Credit Card managed by Comenity Bank. I paid the account balance in full on XX/XX/22 for {$760.00} in advance of my due date. I was later billed interest and fees that I was not anticipating. Since I had paid my balance in full I was not expecting additional statements and I did not see any statements come through with a balance due until I received a late notice in XXXX. When I received the late notice, I paid a balance of {$28.00} which solely consisted of bank fees and interest billed after I had paid my account off. This resulted in negative reporting to the credit bureaus and dropped my score over XXXX points over {$28.00}! This is the only derogatory remark on my credit report and should be removed as I paid my balance in full and the late reporting only consisted of miniscule banking fees!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT # XXXX has violated my rights The credit bureaus received letters asking them to verify the debt on my report. They answered back stating that everything is verified correctly. My credit report is still showing inaccuracies 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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: Mortgage

When I originally purchased my home the bank representative advised because of ltv issue would have to pay pmi and taking this balloon would get me around having to do that almost 12 yrs later my balance is close to what I took it for and in XX/XX/XXXX I will have a balloon payment or refinance. I tried to get help from the company who made this loan back in XX/XX/XXXX but to no avail they had sent me information to lower rate and convert it they said I didnt qualify due to the fact I had enough income to handle? If that was the case the cost of pmi at the time probably would of been the same amount that the 2nd mtg I've been paying for the last 12 yrs would of likely been done and over and no responsibility to this nutty makes no sense 2nd mtg. What are my options out side of refi to pay off which is not the point I should have never been taken advantage of for this product that really could of been avoided due to the greedy sales person who got a bonus by making another loan?????!!!!
Product: Credit reporting or other personal consumer reports

XXXX requested to have false eviction removed my account came back verified
Product: Debt collection

Debt collector is in violation of the FDCPA. It violated my privacy and parked debt on my credit report ( s ) without my knowledge. In addition, there appears to be a misrepresentation as this debt is parked twice under two different business names under the same business address. Please see attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a two open fraudulent accounts XXXX XXXX XXXX, XXXX as past due and XXXX XXXX XXXX collection account on my credit report. I disputed this fraudulent account XXXX, 2019 and XX/XX/2019. At this time it was with a different collector called XXXX XXXX XXXX. After disputing this fraudulent account with the XXXX XXXX XXXX, and them conducting their investigation the result was a deletion of the fraudulent account from my credit report. It appears they have however sold this fraudulent account to XXXX XXXX XXXX a new collection agency. Even with a different account number it seems Transunion and/or system should recognize that the account has the same account details ( date opened, balance, credit limit etc ) as the fraud account that was previously deleted/blocked and should be rejected for re-insertion. 

Lastly, there is a fraudulent XXXX XXXX XXXX and XXXX credit card that is also reporting on my credit report. I disputed these fraudulent accounts and the XXXX XXXX XXXX and XXXX credit card remained on my report however the XXXX inquiries disputed as fraud were removed. How can Transunion agree that a Inquiry is fraud but the account it is associated with is not??? That makes absolutely no sense. This is another case of Transunion being negligent and This is a blatant violation of my consumer rights pursuant to the FCRA section 623. Reporting this fraudulent account has dropped my credit score and has caused much undue emotional distress. If this fraudulent collection account is not removed promptly, I will be exercising my rights to file a civil lawsuit pursuant to the FCRA for willful noncompliance and negligence!
Product: Mortgage

I was in a covid forbearance program and have resumed payments. This company has locked me out of my web account and will not answer their phones. I've tried over XXXX times to call XXXX different phone numbers and can not get help. I finally received a loan modification packet and returned it. I started and completed XXXX trial payments and was awaiting final loan mod paperwork when I received XXXX separate letters of " Intent to foreclose '' THIS LOAN IS NOT IN DEFAULT.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX inquired on XX/XX/2022 ; XXXX inquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022 ; XXXX inquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my car so I never gave my info to have them to check for financing from various banks. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Product: Credit card or prepaid card

My wife had planned a trip and used XXXX for travel arrangements. She used my credit card issued to me to pay for the trip. The trip was booked months in advance and my balance was paid off in full. Months later the pandemic struck our state of NY and the world. All trips were cancelled and a vacation was the last thing on all of our minds, nevertheless we contacted the credit card customer service and explained the situation. We were told no refund would be given, and that the policy is that no dispute of charge after 60 days. This was a {$1800.00} charge and I have tried on multiple occasions to resolve this. I have full documentation and proof substaniating my claim and the department refuses to reopen this matter. I still have the account ipen in hopes they will issue me credit. Attached are documents faxed multiple times to Barclays of Delaware. Please feel free to contact me for more info.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XX/XX/XXXXXXXX and all payments were placed on Autopay. 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 to be removed/updated.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report TransUnions failure to comply with the Fair Credit Reporting Act ( FCRA ) in handling my recent credit dispute. I submitted a dispute on XX/XX/2024, regarding several inaccuracies on my credit report, specifically requesting verification of the following accounts : 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 XXXX XXXX XXXX As per Section XXXX of the FCRA, I requested a detailed explanation of the verification methods used and contact information of the sources that provided the verification. Instead, I received a generic response from TransUnion, which did not address my specific requests and provided no evidence of a proper investigation, as required by law. 

The response I received from TransUnion was automatic and failed to provide the necessary information to verify the accuracy of the disputed accounts. It did not reflect the level of investigation that the FCRA mandates, such as proper verification of the data with the relevant sources and sharing of this information with me. 

I believe TransUnion violated my rights under the FCRA by not conducting a thorough investigation or providing the necessary details of the verification process. I am therefore requesting the CFPB to take appropriate action to ensure that TransUnion complies with the law and fully investigates the disputed accounts on my credit report. 

Please find attached my original dispute letter and XXXX response for your reference. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.
Product: Debt collection

I keep disputing through my credit reporting agencies, and the Company itself that this is not my debt. I do not even know what this debt is for. I have been disputing this since it's been reported back in XXXX, but my requests go unheard and unaddressed. I believe this company is falsely using my identity to collect on someone else 's debt and has provided zero proof on this debt and to prove that this debt actually belongs to me. I also receive no notification of this debt, to allow me to dispute within the 30 day period. How is that even legal? 

Under Section 609 of the Fair Credit Reporting Act- '' if the disputed information can not be verified or confirmed, then it must be removed ''. 

I have requested several times to have this debt removed, and no communication back, other than their request to keep open and that this debt is valid, without any proof supplied. The are falsely using my identity, and therefor, need to remove this information and close this debt from the three credit reporting agencies. I believe XXXX  has already removed, due to lack of proof of financial responsibility. 

They then sold my information to another third party company to now collect, and they won't stop with the harassing emails. The company who they sold my information to is XXXX XXXX in XXXX, KS on behalf of XXXX XXXX XXXX , XXXX. Crazy too, because the address in the email they sent, I have not lived there since XXXX and the debt was from XXXX. Makes no sense at all. THIS IS NOT MY DEBT!! 

Date reported to Collection Agencies : XX/XX/XXXX Collection : Trident Asset Management Amount : {$77.00}
Product: Credit card or prepaid card

Citi Bank fraudulently induced me into entering into a credit card with them when a customer service representative lied to me about an 18 month 0 % APR on all purchases. Then, when I brought this to Citi Bank 's attention, they closed my credit card account without my authorization. Both of these actions have caused me harm in the form of interest charges and hits to my credit score, when I could have gone with alternative products from alternative financial institutions. 

In XXXX of XXXX, I contacted Citi Bank via phone to close my AAdvatage  Citi Card due to horrendous customer service. Instead of closing the account, I was fraudulently induced into downgrading that card to a Citi Double Cash Card because I was promised a promotional APR of 0 % interest for 18 months on all purchases. I chose this card, over many others, exclusively because of this promotional 18 month APR. When I received my XX/XX/XXXX statement with an interest charge, I immediately contacted Citi Card. When I spoke with a Citi Card customer service representative, I was told that there was no 18 month promotional 0 % APR on all purchases, despite earlier promises to the contrary. I explained the fact that I had been promised one, they refused to honor the promise, and I then asked the customer service representative to explain options for closing the account. We ended the call without taking any further action. On XX/XX/XXXX, I logged into my account online and discovered that my credit card account had been closed. I, however, never authorized the closure of this account. That same day I contacted Citi Bank, where I was informed again that there was no promotional APR and that they would have to run a hard credit report in order to process a request to re-open the account. Because of my large outstanding balance resulting from large purchases I made because of the promise of a promotional APR, I had no choice but to acquiesce. 

Citi Card 's actions have caused me financial harm in the form of interest charges and credit score hits caused by the unnecessary pulling of a credit report for the reopening of an account that should have NEVER been closed. Citi Banks actions shock the conscience, from fraudulently inducing a customer to maintain an account with them to repeatedly lying so as not to honor promises they explicitly made.
Product: Credit card or prepaid card

It takes multiple complaints against American Express to gradually, step by step, begin to resolve a long standing issue with the company. One of the reasons is that American Express is extremely secretive about its practices.

For over two years American Express was claiming that it was mailing some materials to me and they were returned to American Express as not deliverable. It took me a 6 hour chat with American Express representative earlier this year to trace down one source of the problem : American Express was not using United States Postal Service 's first class mail to send the materials to me, so even when it started to use my correct mailing address, the mall was not delivered to me. It appeared that American Express utilized some private package carrier and that private package carrier was not servicing my address. American Express should have realized the first time a parcel was returned back to it that the reason for return was that the mail carrier of American Express choice was not servicing my address. 

Prior to XX/XX/XXXX I mailed a letter to American Express that specified my full correct mailing address and the fact that the mail sent to that mailing address must be sent via United States Postal Service. Shortly after I sent my letter to American Express, I received my American Express credit card in the mailer a copy of which is attached. That mailer was the only correspondence related to my American Express credit card account ( other than the American Express responses to my CFPB complaints ) that I ever received from American Express by mail.

It appears that American Express has not corrected my mailing address on my account in XX/XX/XXXX after it had received my written instructions to do that and it continued to utilize services of a private mail carrier that was not servicing my address. 

As of today I have not received the {$50.00} refund of my credit balance I had on my American Express credit card account at the time I closed my account despite the fact that I requested again to correct my mailing address during a chat session I had with an American Express representative on XX/XX/XXXX.
Product: Credit card or prepaid card

This is about Fraudulent purchases on my Bank of America VISA Card ending XXXX on XX/XX/2021 that was changed to a new card after the discrepancy was disclosed to me when I called Bank of America to make a payment on my account on XX/XX/2021. I have tried to get this problem solved over the last three ( 3 ) months by calling on many dates at various times, spending countless hours waiting on HOLD and speaking to a different representative each time always in another state ( they are scattered around the country ). As of this date, I have not been able to hear from Bank of America about this problem and when I can expect my account cleared. I have been a longtime customer of Bank of America for over 55 years and never did I have an experience such as this. This is extremely annoying that Bank of America seems to be ignoring my repeated request to correct this unwanted, annoying attempt by someone to drain what little money I have being I am over the age of XXXX. I ask for your help in reaching a resolution to this problem please.
Product: Credit card

I did a bank transfer online from my checking account to my credit card account with PNC bank on XX/XX/2023 for {$200.00}. Upon completion my online transaction was complete and had posted. I checked my account a few days later the payment was not there as if it were never made. I contacted PNC by phone. I was told that on their end no payment was posted. I told them repeatedly that it was there. I did not write the transaction number down nor did I make a copy. I should have since I have had numerous issues with this institution. I was told it would be sent to the resolution department that handles online transactions only. Finally I heard from XXXX after several missed attempts to reach back her number XXXX. I explained what happened again. I was told that I was assigned a case XXXX XXXX her number XXXX. I never did speak with her. She never returned any of my calls. I left numerous messages. Finally after several days I spoke with XXXX XXXX XXXX. Explained my issue again. I was told that there was no transaction made and that no payment had been made since XXXX of 2023. I said that is not true. I made a {$200.00} payment XX/XX/2023. I did contact the BBB. No resolution there because the bank refused to come to an agreement. The BBB did give me the contact information for XXXX of the Comptroller of the Currency. Put my complaint in with them. I received notice from them stating that my complaint could not be handled by them. I was given your contact information to put in my complaint. I have been trying to resolve this since XXXX of 2023. I want PNC to waive this {$200.00} minus late fees that are piling up. At this point my account is almost {$3000.00} in the negative. I have not made a payment toward this account until it is resolved. I want PNC to close my credit card account with them. I will agree to pay {$1000.00}. in installments. I pray you can be of some assistance. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have gotten my free credit report and for the last many years I have an address that does not belong to me and it is :XXXX XXXX XXXX XXXX XXXX FL XXXX .... I have never lived there and I requested this removed from my credit report twice before to no avail and I need it off my records. 

My current employer is not on my records which is : XXXX XXXX XXXX XXXX XXXX XXXX and began employment XXXX XXXX and currently employed. 

I currently have a {$5000.00} personal loan with XXXX XXXX XXXX XXXX XXXX and paying it timely but the one that I had for {$2000.00} before this one was paid in full and satisfied and it does n't reflect that. 

I also had a satisfied closed account with XXXX back in XXXX I also have never in my life had any mortgage anywhere in the united states and I have only financed one car in my life and only in Florida I have seen multiple car loans and mortgages in different states. I have never lived in any other state.
Product: Credit reporting or other personal consumer reports

I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED XXXX XXXX XXXX {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX {$660.00} XXXX XXXXXXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$2800.00} XXXX XX/XX/XXXX {$2400.00} 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 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 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 Please remove these inaccurate information from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't believe that I continue to deal with these issues from the credit bureaus. How is this legal? XXXX, XXXX and LVNV, all say that they have reviewed my reports, and everything is reporting as it should. Everything is accurate, no mistakes and its XXXX XXXX XXXX who owns these accounts. None of the accounts I question have any errors and it's been 100 percent verified. Well i have again more proof that I continue to collect and use for a later date if these items are not removed immediately. Account # XXXX is not only on my report 4 times from the list above. The part that stands out the most is how they all have different last active dates! How do you all have the same account that was supposed to be verified as 100 percent accurate report 4 different last active dates! Are you purposely trying to get sued for breaking the law?? 
Remove these accounts immediately from my credit profile for reporting inaccurately, failing to investigate, and falling to verify these accounts.