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

I recently received a copy of my ( Experian, XXXX or XXXX ) consumer report, and I noticed that it is reporting my experience with XXXX XXXX. 

I Sent letter informing them the line of credit I have with there company, which is characterized as utilization on my consumer reports IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

XXXX XXXX is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) XXXX XXXX that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
XXXX XXXX HAS VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
I advised XXXX XXXX they have 10 calendar days to update my utilization to 5 % or below and or delete all utilization from the consumer reports concerning my account. 
Failure to respond satisfactorily with deletion or update of Utilization to 5 %, will result in legal actions being taken against there company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character 2.Negligent Non Compliance 3.Civil Liability XXXX Anguish 5.Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit on account I did not give authorization to access information and individuals who are using this account are scamming and committed fraud against my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent in a request for verification on the account : XXXX  On Credit Account Number : XXXX No verification documents were sent. 
On XX/XX/2021 I disputed the date of last active on Experian, XXXX, and XXXX. Again, no documentation was provided nor was a comment added on to my report stating this account was disputed. 
On XX/XX/2021, i sent another dispute letter stating i still had not recieved verification also they have not updated the comments stating i have been disputing this account.
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX XXXX I REQUEST YOU PROVIDE ME WITH PROOF OF THIS ACCOUNT BEING LATE. IF UNABLE TO PROVIDE OR LACKING PROOF OF THIS PAYMENT BEING LATE, PLEASE UPDATE PAYMENT HISTORY TO PAID AS AGREED NEVER LATE. PLEASE PROVIDE DETTAILED DESCIPTION OF ALL PROCEDURES USED IN YOUR PROCESS TO DETERMINE COMPLETE ACCURACY OF INFORMATION REPORTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : XXXX XXXX XXXX DOB : XXXX XXXX XXXX Re : Disputing Inaccuracies on My Credit Report XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX for five years and I have never lived in these addresses reported on my FICO report. Please consider this a formal request to investigate and correct the following ( 6 ) inaccurate addresses on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses listed below : XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 They are stating the amount owe {$2900.00} now the amount has increased to {$4400.00} I write have Grant Mercantile Agency requesting them in writing to send me a letter method of verification used in original contracts. As of today they have not sent me original contact signed. I sent round of letters the account still remain and have nor been fully validated. 
I am asking for help with your department to look into this. They have increased the amount monthly. This is hurting my credit a lot. 

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

This problem has been going on for years. I currently am trying to re-enroll in school and I continuously get messages saying that I have loans from XXXX that are in default but when I go to the website the loans say XXXX balance. I have recently looked into my credit and my account says that I made 3 late payments on 2 different student loans. My problem is that I was reports " Current ''XX/XX/XXXX but " 90-119 days late ' XX/XX/XXXX as well as " 120-149 days late '' XXXX andXX/XX/XXXX. Then, my record shows " No info '' XX/XX/XXXX- XX/XX/XXXX, 1 " current '' payment in XX/XX/XXXXand then back to " no info ''. I do not understand how I went from current to 90- 119 days late in a matter of 30 days, and how reporting just stopped. My student loan payments have never been late.
Product: Mortgage

On Wednesday, XX/XX/2021, I applied for a mortgage using with Guraranteed Rate. Currently they are having a technical difficulty where I can not link my accounts to their system allowing them to see my current account balances. Instead of addressing this issue, my mortgage application was denied today, XX/XX/2021, on the basis of having insufficient assets although I have more than enough assets to qualify for the mortgage I applied for. It is illegal for them to exclude my assets on this basis.
Product: Credit card or prepaid card

XXXX received letter from Chase regarding the need for an XXXX form to be returned to them XXXX signed and mailed XXXX form XXXX one of two Chase credit cards were declined Checked email and web and app and no indication of any issue. Multiple offers for opening new accounts and upgrading my card. 100 % on time payment history with no balance carry over for many years. Excellent credit rating XXXX Contacted customer service and advised both credit card accounts were closed and I would be notified by mail in 7 business days as to the reason why. No letter received. 

XXXX Transferred multiple times to finally reach someone who stated that Chase required an SSA-89 for my daughter who is an authorized user. I received no notification that this was needed and certainly no notification that my accounts would be closed. 

XXXX Went to Chase Bank Branch in XXXX XXXX, FL and provided my forms. Photocopies of my credit cards were also taken and faxed in on my behalf. 

XXXX Experian Credit report shows CHASE reported a debt settlement was filed against my account which is not true. It also shows that my credit line was closed by the credit grantor. This negatively affects my credit. 

Was informed on Thursday by phone that my accounts CAN be reinstated as soon as the SSA-89 is received. Contacted Chase Compliance Dept at XXXX and they confirmed the forms had been received but the accounts were closed due to bank policy but no additional details provided. 

XXXX 2 hrs on phone with compliance, credit customer service, lending, credit bureau depts. Accounts have been closed for the reason of bank policy and can not be reopened. 

XXXX called XXXX XXXX, FL Chase Bank Branch and spoke with XXXX XXXX who will file a complaint on my behalf XXXX received a call from Chase Complaints to discuss the case. No additional information offered as to the reason for account closures. Representative confirms forms are in receipt by Chase. Representative confirms 100 % payment history throughout entire life of both credit cards. Representative confirms mortgage with Chase is still in good standing and has no issues. Unable to provide any other information and acknowledges that closing the accounts without any notice or reason seems unusual but there is no recourse My credit is negatively affected and Chase is offering no assistance. Of note, Chase continues to offer me multiple credit card offers by email.
Product: Checking or savings account

Bank of America charged me an {$8.00} fee for approximately 10 months for being under a balance threshold. 

They sent me a communication which likely explained this, but the communication was too complicated for me to understand. A simple communication along the lines of " you will be charged {$8.00} per month '' would have sufficed. 

There is a free account that I could have used, so I have received no benefit from this approximately {$80.00} charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I did not authorize these fraudulent accounts. I sent my FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, THIS COMPANY CREDIT ACCEPTANCE IS REPORTING AN ACCOUNT WITH MY NAME AND PERSONAL INFORMATION ASSOICATED. THIS ACCOUNT IS NON-COMPLAINT WITH METRO-2 THIS COMPANY REFUSES TO REMOVE THE ACCOUNT, IN IT HAS ALREADY BEEN REMOVED BY XXXX, XXXX, BUT CREDIT ACCEPTANCE REFUSES TO UPDATE THE CORRECT INFORMATION WITH EQUIFAX INFORMATION SERVICES LLC 1. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please DELETE from Credit Report
Product: Checking or savings account

Hello, I opened my checking account in XX/XX/XXXX with an opening bonus of XXXX dollars after a XXXX direct deposit. I think I have fulfilled all the requirements but I was denied a bonus. When I applied, the term says explicitly " Checking offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. '' I have been a customer in XXXX and closed my account in XXXX which is more than 12 months. But TD Bank still refused to pay out the bonus. I am very unsatisfied with their resolution.
Product: Credit reporting

This XXXX and XXXX account is not mines and has been deleted by XXXX. The XXXX account appear to be the same debt, so how can it be posted two times? XXXX not mines. 

1. XXXX XX/XX/XXXX Open {$5900.00} 2. XXXX Other XX/XX/XXXX Closed XXXX Missed Payment {$1400.00} 3.XXXX Other XX/XX/XXXX Closed {$0.00} 4.XXXX XX/XX/XXXX Closed {$1000.00} This account is paid in full. 
XXXX XX/XX/XXXX Open - Current {$45000.00} These XXXX accounts are not mines.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$4300.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$1200.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not allow me to freeze my credit report online or by phone. They want me to mail my request, including my name, address, social security number, copy of driver 's license, and copy of utility bill ( everything someone would require to steal my identity ). Interestingly, they will allow me to " lock '' my credit report online if I PAY them and subscribe to their Identity Theft Protection for {$19.00} per month. I was able to freeze my credit report with both XX/XX/XXXXand XX/XX/XXXXonline with no problems. Also, I have frozen and unfrozen my credit report at Experian in the past online. I have been living at my address for 7 years. I regularly check my credit reports, including Experian, and I entered the information online the same as it appears on my credit report. There have been no changes to my credit report, such as address, for several years which would require me to verify my identity for Experian. The law requires credit bureaus to freeze credit files within one hour if requested online or by phone. I believe Experian is knowingly violating this law to make it harder for consumers to place a FREE credit freeze, trying to get them to PAY THEM to " lock '' their credit report.. I do not feel comfortable mailing my personal information and should not have to do this to freeze my credit report.
Product: Student loan

I am just trying to get my financial situation in order and was looking at taking care of my student loans and was dumbstruck at the interest charges on my loans. I started with an initial XXXX loan and now I am owing over XXXX! This is outrageous and no wonder people are in debt until they did for trying to pay these off!
Product: Mortgage

I recently participated in the loss mitigation process with my loan servicer after completing the trial mod payment process. However a copy of the permanent loan modification was never sent to me in the mail and also a copy was never sent to by email. I contacted my mortgage servicer about the discrepancy in a qualified written request which was received by my lien servicer on XX/XX/2019. My mortgage servicer has not answered my request as required by law or provided me a copy of the permanent loan modification as promised by email and or by phone when I spoke to the mortgage servicer about the process.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXXXXXX 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. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

My loans were transferred to XXXX on XX/XX/2023. However, my credit report on Experian is displaying I have open accounts with both XXXX and XXXX, doubling my debt to {$140000.00}. I've contacted XXXX on numerous occasions and requested to speak with a supervisor with no resolution to the matter. They state since my loans transferred it is not on them. In this case, my credit report should show no open accounts with XXXX whatsoever! All credit reports Experian, XXXX, and XXXX should not reflect any XXXX accounts and be removed expeditiously for that matter. Thank you.
Product: Checking or savings account

On XX/XX/2019 I filed a dispute with Moneylion bank about unauthorized transactions Ive sent them police reports & etc. I reported my card stolen & just received it XX/XX/2019. Now that Im calling checking on the update of my dispute theyve locked my account. I have funds in my account that I cant use that they are holding hostage! They keep telling me that I cant close my account or they cant send me my money because they are protecting it which is ridiculous! Ive been trying to close this account for 2 days now & theyre still telling me no they cant close it. What type of company holds your money hostage because they are incompetent!
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was closed XX/XX/XXXX with FedLoan, is supposed to be {$0.00}. Balance they are no longer my servicer. I have a new servicer XXXX. The transfer was completed in XX/XX/XXXX all loans are with XXXX. As of today FedLoan will not report my balance as {$0.00}, they are still reporting my balance on my XXXX and XXXX as open as if Im my account is still with their company. I have done several disputes and they are being updated as balance remains and Im no longer with them. I have spoken with the credit bureau and they state they only update what the company is putting out. FedLoan servicing is reporting to them that the balance is still open when clearly on my credit report I see when it was closed and transferred to another lender. One supervisor said the loans werent converted yet thats why Fedloans are still reporting a balance. False I have documentation from my new servicer showing all loans were transferred in XX/XX/XXXX to XXXX. I just need my account updated accurately Im no longer with FebLoan anymore
Product: Money transfer, virtual currency, or money service

I am reaching out to you out of pure frustration. 

About a month ago, I received what I thought was a text from my bank Chase regarding fraudulent charges on my account. I received a call from what I thought was Chase, XXXX was his name This man provided account information to make his story believable. I have no idea where he obtained all of these details!! He asked to verify if this was my home address and read me my address and if these were the last 4 of my social security number and read me those numbers. 

XXXX XXXX now I know he is a scam artist! Suggested the bank could reverse the fraudulent charges using my mobile banking app through Chase called XXXX. 

This app I have found out through my research is owned by several banks, including Chase!! 

XXXX helped me set up so I could transfer the money back to myself, thinking it was a refund. Instead the scammer diverted the funds elsewhere. 

The amount is {$2000.00}. It may seem like a small amount to others but to me it is not. I am a mother of XXXX while taking care of my XXXX nieces/nephews as their sole guardian. 

Chase is telling me this is my fault??!! I am just in disbelief. This is a scam and Chase bank will not help me! 

I have been researching that this has happened to so many Chase customers. Theres no warning in your mobile banking app, no messages of this scam. Where is my protection??
Product: Debt collection

I have contacted this agency more than once and unfortunately they are very rude and have even hung up on me as I tried to communicate that this debt is not mine. They DID admit that my EX-spouse listed me as a " responsible party ''. She has, nor had No Right or Permission to contract any debt on my behalf. This collection, I recently learned about was part of the reason I can not purchase a home for my family.
Product: Checking or savings account

BBVA Compass advertised a {$200.00} offer for opening a consumer checking account. The offer said to " apply online before XX/XX/XXXX '' and receive a qualifying direct deposit to qualify for the offer. I applied for the account on XX/XX/XXXX but was not approved by the bank until XX/XX/XXXX, and now they refuse to honor the offer because my account was not opened until after XX/XX/XXXX. I do not know why the bank took over two weeks to process my application but it was through no fault of my own, and I do not think it is right that the bank is reneging on their offer.
Product: Debt collection

ON XX/XX/2019 I FIRST REACHED VIA TRACKING SIGNATURE MAIL IN WHICH THIS COMPANY SIGNED FOR THIS REQUEST ON XX/XX/2019 AT XXXX XXXX   ACCORDING TO MAIL GREEN CARD USPS TRACKING THIS COLLECTION AGENCY NCB MANAGEMENT SERVICES NEVER REPLIED BACK WITHING 30 DAYS OF MY REQUEST FOR VALIDATION OF DEBT AMOUNT XXXX ACCOUNT NUMBER XXXX IN WHICH I DISCOVERED REPORTING ON MY CREDIT FILES WITH XXXX, XXXX, XXXX ON XX/XX/2019, I EVEN DISPUTED THIS ACCOUNT WITH LISTED CRA AND THIS COMPANY NCB MANAGEMENT SERVICES VIA TRACKING SIGNATURE MAIL NEVER REACHED BACK TO ME SO I THAN REQUESTED AGAIN ON XX/XX/2019 VIOLATION OF DEBT VIA TRACKING GREEN CARD SIGNATURE MAIL BY THE USPS IN EACH LETTER I ADVISED THIS COMPANY TO cease and desist ALL COLLECTION ACTIVITY AND TO STOP REPORTING UNVERIFIED DEBT TO CRA IMMEDIATELY ON XXXX I RECEIVED A COPY OF A BILL SUMMARY LISTING A INACCURATE NAME LISTED FOR DEBT, DEBT AMOUNT OF {$7700.00} IN WHICH NCB MANAGEMENT SERVICES IS REPORTING FALSE TO LISTED CRA AGENCIES I DISCOVERED THE ACCOUNT NUMBER REPORTING ON NCB MANAGEMENT SERVICES BILL SUMMARY IS REPORTING A DIFFERENT FALSE ACCOUNT NUMBER XXXX COMPARED TO ACCOUNT NUMBER { XXXX } LISTED WITH CRA AGENICES XXXX, XXXX, XXXX I THAN ADVISED EACH CRA TO INVESTIGATE FCRA VIOLATION AND FDCPA VIOLATION AND EACH CRA REPLYED THAT THIS COLLECTION AGENCY IS ADVISING THERE AGENCIES THAT ITS COMPANY IS REPORTING REPORTING ACCURATE ACCOUNT INFORMATION UNDER THE FCRA AND FDPCA HOWEVER I HAVE MAILED NCB MANAGEMENT SERVICES VIA TRACKING MAIL A COPY OF ITS BILL SUMMARY THAT WAS MAILED TO ME ON XX/XX/2019 I HAVE ASKED THIS COMPANY TO IMMEDIATELY STOP REPORTING ITS FALSE AND UNLAWFULLY REPORTING AND TO DATE XX/XX/2019 THIS COMPANY HAS STILL REPORTED FALSE AND INACCURATE ACCOUNT INFORMATION TO EACH CRA REPORTING AGENCIES CLEARLY IN VIOLATION FCRA SECTION, { 15 U.S.C. 1681-1681 } { SECTION 15 USC 1692 ( g ) Section 809 ( b ) } Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ), which prohibits unfair or deceptive acts or practices in or affecting commerce ; SECTION USC 1692 ( g ) Section 806 ( 5 ) AND MANY MORE VIOLATIONS