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

I am writing to formally file a complaint regarding the failure of the XXXX major credit bureaus ( XXXX, TransUnion, and XXXX ) to update and correct my personal information on my credit report, despite my numerous requests. 
Recently, I reviewed my credit report and discovered several discrepancies, including incorrect spellings of my name and multiple addresses listed, while I only have XXXX current address. In order to ensure the accuracy of my credit profile, I submitted formal requests for correction and updates to all three credit bureaus, in accordance with the Fair Credit Reporting Act ( 15 USC 1681 ). 
Specifically, I requested the following updates to my credit profile : * Correct spelling of my name * Correct address * Removal of any other addresses listed on my credit report, as they are inaccurate, misleading & non-mailable address. 
To verify my identity and address, I included copies of my driver 's license to verify my address. 
Despite my thorough and compliant submissions, none of the credit bureaus have updated my information as requested. The discrepancies remain on my credit reports, which continue to reflect multiple incorrect addresses and the incorrect spelling of my name. This negligence on the part of the credit bureaus is not only a violation of my rights under 15 USC 1681, FCRA, GLBA, ECOA, PRIVACY ACT OF 1974 but it also jeopardizes the accuracy of my credit profile and impacts my creditworthiness. 
I am seeking your assistance to ensure that the credit bureaus take immediate action to rectify these inaccuracies. It is imperative that my credit reports reflect accurate and up-to-date information to maintain the integrity of my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are over 31 hard inquiries on my report I do not reconie. credit one resent, XXXX dealership, capitol one recent for car there is 3, loan inquiries did not do, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. all but 3 are in correct
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inactions violates federal law and my rights as a consumer.
Product: Debt collection

I moved out XXXX, located at XXXX on XX/XX/XXXX. I was subsequently notified of resulting move out charges in the amount of {$1000.00} via mail on or about XX/XX/XXXX at my new address in XXXX ( See annex A ). I was not notified of these charges at anytime prior to this date either orally or in writing. The notice stated I had 30 days from the move out date to remit payment which I did on XX/XX/XXXX ( see Annex B ) However, XXXX XXXX had already referred my account to a debt collection agency, Hunter Warfield prior to the XX/XX/XXXX deadline ( see Annex C ). The amount paid was in the value of {$1000.00} as a {$64.00} is currently in dispute with XXXX XXXX XXXX.
Product: Debt collection

I am filing this complaint cause there is a loan in my credit that is fraudulent. I have tried to get this matter resolved by filing a police report and a identity theft report with law enforcement and have not bee able to get anyone to help me get this removed
Product: Credit card

On XX/XX/XXXX and XXXX synchrony bank debt my checking account for the entire balance of my XXXX XXXX credit card. This resulted in a positive balance on this credit account. 
Around XX/XX/XXXX I requested a balance refund and was told it will take up to 15 working days to receive the refund check. 
15 days passed and I received a letter from synchrony Bank stating I was not eligible for refund. 
Around XX/XX/XXXX I called synchrony Bank to again request the balance refund and was told it will be mailed and to expect 15 working days to receive this refund check. 
On XX/XX/XXXX called to inquire about the status of the refund check and was told they will reissue it.
Product: Credit card or prepaid card

XXXX XXXX card administered by XXXX XXXX. 
I rarely use this card, so I do not get monthly statements. I receive numerous emails from XXXX XXXX on a daily basis. Evidently, I received my bill electronically, but was unaware of this. I did not differentiate it from the numerous other emails, and the bill went unpaid. They said Insigned up for the electronic billing, but Inwas not aware Inhad done so.
Product: Debt collection

Repeatedly calling after requesting they do not call. I did not give this company my phone number and they said they received it from elsewhere. When I asked again they do not call me, they continued to try to confirm personal information and argued with me
Product: Money transfer, virtual currency, or money service

I bought a money order for {$660.00} over XXXX months ago I deposited in my bank PLS stop the payment on the money order I went back to the store where I bought the money order the lady put a stop payment on it tell me I will get my money back give it XXXX week that was since XXXX I call they are so rude they hang up the phone they say I will get my money in XXXX week its more then XXXX months and nothing and I cant get them to give me back my money
Product: Checking or savings account

this is in responce to XXXX i have to do it this way because usaa will not respond to me. if i call XXXX XXXX i will get an answering machine and she will not call back. i did not do what they are accusing me of. i did not give out the imformation they are accusing me of. i did access my account to get my account number and routing number. i never spoke to the person receiving the wire transfer. i was aware of the name because that is when i called usaa to secure my accounts. XXXX done nothing to secure my accounts. she interfered in secureing my accounts. i was made aware she did not follow proper protacall. i never got to finish setting up my saving account. i dont remember a DAD. every time i file a complaint usaa puts something different in responding to the complaint. i am short XXXX in my savings account. this bank was corriusponding with someone from XXXX on this matter. they did freez my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. Please remove these accounts immediately.
Product: Prepaid card

I have been requesting to have all funds that was deposited to Direct Express prepaid debit card be transferred to my bank XXXX XXXX XXXX. These funds were loaded onthis card XXXX XXXX from the XXXX XXXX for my XXXX.My request has been denied XXXX times with the id verification department without valid reasons why. They would not let me speak to anyone in that department or provide documentation explaining denial reason. I requested a check for all funds and to close this account. I was advised by representative that the only time check is issued if I was deceased. And also was told to call VA and request them to pull funds back and reissue to my bank. I have spoke to numerous rep for over 30 days with no help and they also have been blocking me from having access to my own funds numerous times of times advising me it is because of fraud alert. This is one of the worst company ever with very rude customer service. I have also been hung up on numerous of times. My experience with Direct Express has been a total nightmare. I advised them I was going to get a lawyer and also file a complaint with CFPB and their response was like they didnt care.Thanks in advance for assisting me with my complaint with this company.
Product: Credit card or prepaid card

I purchased XXXX XXXX tickets, three of them, in the summer of XXXX for a show in the summer of XXXX. The concert was canceled because of COVID and rescheduled for a later date, at XXXX XXXX XXXX XXXX. On XX/XX/XXXX, the rescheduled event was also canceled because of severe weather and lightning storms. XXXX did not reschedule a third time and said payments would be refunded. During this period I was in the process of switching banks because XXXX was going out of business. My credit card was a XXXX Comenity Card which I closed in XXXX of XXXX. They are saying they sent me a check for {$470.00} in late XXXX. They did not have any reference/proof that they did. I asked them to send a copy of the canceled check and we would pay them back, knowing I never received the check, that I had moved, and that I had closed the XXXX Comenity Card. A year later in the summer of XXXX, after many phone conversations with Comenity, they did indeed send us a check to refund the 3 tickets and I cashed it and thought the whole issue was resolved. One month later I received a new bill stating that I owed the {$470.00} again. I spoke with customer service and they said they would look into it. I received a letter on XX/XX/XXXX saying that we still owe the money with no proof that a check was originally sent to me and cashed.
Product: Credit reporting or other personal consumer reports

Description of the Issue : I am filing a formal complaint regarding an incorrect debt entry on my credit report with TransUnion. The debt in question is listed under the name " XXXX XXXX, '' but my legal name is " XXXX XXXX. '' Due to this discrepancy, the debt does not belong to me and should be removed from my credit report immediately.

The account was reported by XXXX XXXX XXXX, with the original creditor listed as XXXX XXXX XXXX. This inaccurate information i

s negatively affecting my credit and is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain accurate and reliable information. Incorrect names, even with slight misspellings, result in an inaccurate credit report and must be corrected. Details of the Erroneous Account : Debt Holder : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX Balance : {$2200.00} Date Opened : XX/XX/2024 Address of XXXX XXXX XXXX : XXXX, CA XXXX I have disputed this matter with TransUnion but have not yet received a satisfactory resolution. The incorrect name makes it clear that the debt is not mine and should not be associated with my credit report.
Product: Mortgage

In XXXX of 2018 my husband got sick and was unable to work. We immediately applied for a mortgage modification with our mortgage company, XXXX at the time. After several months of delays and requests to submit the same documents over and over I contacted the ombudsman. A short time later we were approved for a trial modification to begin in XXXX and continue for three months. I made each of those payments early. I hadnt received any other information so in mid XXXX I made a payment for XXXX. Shortly after I received an email that we had been approved for a permanent modification. I waited a couple weeks but never received the paperwork. I emailed XXXX to let them know I didnt receive it. During this time my account was being transferred to PHH Mortgage. My husband also passed away in mid XXXX. Finally at the end of XXXX I received an email containing the modification agreement. I immediately signed as successor in front of a notary and mailed the documents to the address provided. One of my coworkers is a notary so I signed in my office and walked the documents to the post office next door that same day. During the time between XXXX and XXXX while I was trying to get the modification paperwork I spoke with someone at PHH. I was asked to send in my husbands death certificate and I was assured that this would allow me to assume the mortgage. I faxed a copy to the number provided. Shortly after I sent in the modification agreement ( early XXXX ) I received a letter asking for additional documentation showing my right as successor. I emailed a copy of my drivers license, the original warranty deed showing my husband and I as joint tenants, and information from my county assessor showing me as the sole owner of the property. Colorado law states that property automatically transfers to the survivors on a deed when one dies. I didnt hear anything back and I was still unable to make any payments. In the beginning of XXXX I started contacting both customer service at PHH and the assumption department I sent my information to. After several emails I finally received a response just last week from customer service informing me that the modification was canceled because they didnt receive the paperwork. Supposedly a letter was sent informing me of this, but I never received it. I suspect it was addressed to my late husband whose mail is returned to sender by the post office as he is deceased, if this letter was actually sent at all. 
I sent that paperwork as soon as I received it at the end of XXXX. This is far too important for me to delay or put my home at risk. I just lost my husband and now I risk losing my home because my mortgage company is either incompetent or a scam, and trying to force me into foreclosure. 
I have done everything that has been asked of me and I would still be making my payments if my account information and payment access was correct and available. I would like this resolved and the modification I signed to be honored.
Product: Debt collection

I was XXXX multiple times at XXXX XXXX XXXX in XXXX florida. I do not have insurance. I was told by multiple workers in the hospital that I wouldnt receive any bills. Well I received bills, I wrote back saying I do not have insurance and that I was told there would be no bills. I am still doing this to this day. Some of these accounts I disputed and won. But some went to collections. I have been paying off these collections accounts for 2-3 years, even though I was told by the hospital staff I would not see a bill. XXXX XXXX and amerifinancial solutions and XXXX XXXXXXXX  are the companies who I am paying. I pay what I can. Sometimes {$100.00} a month, sometimes {$17.00} a month. These companies have hurt my credit score severely. I am trying to do the right thing by paying these bills but I was told by XXXX XXXX XXXX staff in XXXX florida that I would not see a bill. I am not rich. I do not make a lot of money. I can not afford health insurance. Please help me
Product: Debt collection

In XX/XX/2017, I switched phone companies from XXXX to XXXX. XXXX has a switcher or buyback program where they will buy you out the phone up to a certain amount. I spoke with a representative from XXXX at XXXX XXXX as to how long it will take to pay the whole bill off before it reflects on my credit and she told me 6 months. When I was doing the switch for my wife & I, we have to give XXXX both phones, which we did, in order for the switcher program to proceed. They sent one box to my house and as instructed by XXXX ( a worker at the XXXX store ), I put both phones in the box then a week later a second box was received. Up to this day, I've been still trying to resolve receiving credit for the second phone that was traded in and because of that, XXXX has still not paid for the second phone from XXXX. XXXX, in 2 months, sent the bill to a debt collector where I tried to dispute it and they were rude and told me it would affect my credit badly if i didn't pay it and when I do pay it, it would come off my credit ( which i found not to be true anyways ).
Product: Debt collection

Write a letter to Equifax back in XX/XX/XXXX and never received any correspondence, sent a fax on XX/XX/XXXX and never received any correspondence. Sent another fax on XX/XX/XXXX and never received any correspondence. They failed to notify me in writing within the 30-45 day  timeframe and never once opened an investigation.
Product: Debt collection

Portfolio Recovery has placed a collection on my credit file. However, they have yet to provide any validation for the debt. Nor have they provided a signed agreement between their company and myself stating I owe their company. The amount for the debt is {$430.00}. The debt is stated to be opened on XX/XX/XXXX, 2016. I  have no recollection nor an agreement with my signature stating I owe debt to Potfolio Recovery.
Product: Debt collection

Consumer Collections sent me notification of medical debt from XXXX XXXX  for {$1000.00}. I started to pay the amount on monthly basis. After four months of payments, they sent another debt collection notice with a different account number for a very substantial amount midway between the next due payment date. The following week or so, they sent a reminder where they had combined the new amount under the original agreement and did away with the new account number. I emailed them to question the validity of their being able to do this. They would not discuss it over email. 

I will be XXXX years old, and while I was paying something on the bill to XXXX directly, it did not meet their required amount of $ 700-1000 per month, which I could do not. They charged off the debt and Consumer Collections picked it up. 

Are they able to change amount once you start paying on the original notice
Product: Debt collection

I noticed in my XXXX XXXX that my XXXX XXXX dropped significantly. I found out that there was a collection on my report over $ XXXX from XXXX XXXX XXXX Louisiana, a XXXX XXXX office that I visited about a year ago. I never received a bill from the XXXX XXXX office and I never received a collection letter. From my XXXX account I learnt, that the collection agency in question is : DELINQUENT RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX LA XXXX ( XXXX ) XXXX I spoke to XXXX XXXX XXXX XXXX XXXX XXXXf Louisiana, a woman named XXXX XXXX, who admitted that they sent my medical bill 4 times to an old address from about XXXX  years ago and the letters never came back, so they were under the impression that I received the letters and did not respond. Then they sent the bill to collections. The XXXX office had my correct current address but medical billing did not update it. 
I filed a dispute with XXXX and the dispute returned the result that the collection was justified, which is clearly not the case. 
Could you please investigate, because I have the confession of a XXXX XXXX person that the mistake was on their end and the collection was not justified. 
Thank you very much. 
Best regards, XXXX
Product: Checking or savings account

Iv written several complaints in regards to how my account is being manged. I recently deposited a check into my business account from a home owner. That check was flagged and returned. Iv included proof that my bank knew this check was flagged for a potential return and did nothing to stop it form happening. My bank knowing there was a problem never contacted me or reached out to me to notify me prior to the check being returned. They had ample time to do so. Instead I got a letter in the mail weeks after the incident. That alone proves that they could have reached out to me via phone call or email so that I could of called the home owner so he could call his bank. Simple fix. Instead my bank, in there negligence, did no such thing and allowed my account to ne red flagged, overdrawn and charged outrageous overdraft fees. 100 % purposely done to charge me nsf fees.

Iv spoken with XXXX at the fruad department. He acknowledged that was a mistake and said he would speak with his boss XXXX XXXX. I haven't heard anything since. Iv tried on several occasions to bring this to the banks attention and offered to pay the negative balance with a fair resolution. They refuse to investigate this properly. They are dragging out the process in hopes that I won't pursue any further. 
LET ME MAKE THIS CLEAR : I want to pay my negative balance! I have offered on several occasions to pay my balance and they flat out refuse to take my payment with a reasonable resolution. Instead they are going to let it hit my credit and further destroy me financially for me bringing there error to light. These banks have the power to destroy you financially. I'm struggling everyday to keep my business ahead of this insane economy and now I have to worry about my bank and there inability to handle fruad so they take it out on there customers with ridiculous non objective " systems '' that handle sensitive incidents like this. It's how they save money. They need a well funded department with hundreds of real people handling situations like this but instead they choose cost effective measures, like a computer system, instead real people. This is because there share holders need to be stuffed with enough money to keep them investing. Never mind the small business man who is the very reason they exist in the first place. This is a flawed and sick system that need sweeping change.
Product: Vehicle loan or lease

I have purchased vehicles from carvana in which I was deceived that vehicle was under warranty. Vehicle was under mileage and transmission problems occurred and I was out of vehicle because the warranty was expired on vehicle. I personally feel that carvana breaches of warranties also sold me vehicles with out of state tags violating IL laws. 15 usc 1605 as a consumer I feel like I been taking advantage of