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

I'm writing to file a complaint for the second time regarding inaccurate information on my credit report with TransUnion. The report incorrectly lists my name as " XXXXXXXX XXXX XXXXXXXX, '' which is incomplete, and it also includes incorrect variations such as " XXXX, XXXX, XXXX '' and " XXXX, XXXX, '' when my correct name is " XXXX XXXX XXXX XXXX. '' Also, my address is listed as " XXXX XXXX XXXX XXXX XXXX, NJ XXXX, '' where the number " XXXX '' should be removed, and it also incorrectly lists " XXXX XXXX XXXX XXXX, NJ XXXX '' and " XXXX XXXX XXXX XXXX XXXX, NJ XXXX. '' The correct address should be " XXXX XXXX XXXX XXXX, NJ XXXX. '' These errors violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that credit reports must be accurate and up-to-date. These inaccuracies could negatively impact my credit, and I request that TransUnion correct these details immediately. Additionally, I ask that you investigate the source of these discrepancies to ensure they are not the result of fraud or identity theft. Please ensure that all future information remains accurate moving forward.
Product: Credit card or prepaid card

I called 15+ times, spent hours just asking them to give me my XXXX XXXX XXXX flyer account number that Chase assigned to me and where they transferred miles. They have no record, and no one was able to provide me the number. 

XXXX XXXX says they have no account with my name or no record of Chase sending my miles. 

For recent enquiries, they say now since they closed the account, they can not look up the account. My initial calls were while the account is still active. 

It is ridiculous for a financial company simply saying they transferred miles but can't tell which account they transferred or no trail. Do they accept if the customer says I made a payment, but I can not show trail or proof. 

I am attaching the scanned communication and relevant documentation and their latest unrelated response to my question here.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to each reporting agency for a resolution but was not able to achieve one. 

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. 

Account name and number XXXX XXXX Bank ( XXXX ), XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX ) 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 repot containing any of the following items of information Any other adverse item of information, other than records of conviction 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 or other personal consumer reports

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED MANDATED UNDER THE FCRA IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE IMMEDIATELY SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the payment history I have asked to have them updated to paid as agreed, paid on time, never late. This did not happen. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL UPDATE EACH ACCOUNT LISTED TO PAID ON TIME, PAID AS AGREED, NEVER LATE. YOU HAVE 15 DAYS TO UPDATE THE PAYMENT HISTORY OR I WILL BE IMMEDIATELY SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. UPDATE : ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  )
Product: Checking or savings account

My phone number on my checking account has been changed and was not aware of this, I did change it to the correct number ; also there was fraud to my account last year, and they let it go without putting a hold on the funds ; and they should know my pattern for shopping.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with XXXX XXXX Credit reporting that information on their credit report was incorrect. They failed to correct the incorrect information. 

I have recently filed a CFPB complaint against XXXX XXXX asking that they correct information reported to credit companies. Concerning my XXXX XXXX loan account ending in # XXXX, and pursuant to my prior CFPB complaint No. XXXX, XXXX XXXX admitted that they incorrectly charged off my account and failed to honor my hardship agreement. They stated in thier XX/XX/XXXX response to me : " Due to an oversight on the part of our customer service, the hardship plan for loan # XXXX was broken on XX/XX/XXXX. Because of this error, the entire past due balance became due and your loan was charged off due to non-payment on XX/XX/XXXX. We sincerely apologize for this error. Please note you did not incur late fees or other charges due to this error and as such no refund will be provided. On XX/XX/XXXX we corrected how your loan was being reported to credit bureaus. " However, the result from my XXXX XXXX Complaint, dated XX/XX/XXXX clearly states that my loan is clearly " charged off '' and not current. That must be changed due to their error.Additionally, since my loan is now charged off, I can not make any payments on my loan, because I receive no statements from XXXX XXXX and no information about my loan is reported on XXXX XXXX 's website for customers. 


Additionally, when I call, XXXX XXXX says they will take my payment on the phone, and they confirm it in writing, but the payments since XX/XX/XXXX have not posted on my bank account, i.e., they fail to accept my payments.
Product: Money transfer, virtual currency, or money service

I bought XXXX and attempted to withdraw. The company allowed me to buy XXXX and then froze the bitcoins when I attempted to withdraw. They requested documents and I sent them every document they requested. After I sent the documents, they have refused to respond. My XXXX has been frozen for almost 2 months now.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

I am a XXXX XXXX XXXXXXXX Veteran asking for assistance to clear my name and credit report. Two ( 2 ) fraudulent charges were attempted on my Apple Card. One charge went through for {$1900.00} for a XXXX '' XXXX XXXX XXXX XXXX XXXX purchase at the XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX, XXXX, PA XXXX ), ( XXXX ). 

I contacted Apple on XX/XX/XXXX, and filed Dispute XXXX on a fraudulent charge of {$1900.00}, for a XXXX '' XXXX XXXX - XXXX XXXX. I have never been to XXXX, PA nor have I ever purchased a XXXX XXXX. 

I disputed this with Apple, Dispute Case # XXXX and they have continue to rebill the {$1900.00}. I decided to close the Account from which I had a {$27000.00} credit limit with Apple Goldman & Sachs. They currently have reported my account as two months late, and in-spite of attempts to have them correct this, they refuse to clear this matter. 

I filed a Dispute with XXXX and they have the Account as Closed with {$160.00} past due. 

Card Number Used : XXXX XXXX XXXX XXXX XX/XX/XXXX ( Which is now Closed ).
Product: Consumer Loan

I had requested a 2 month extension on XX/XX/2017. I did n't receive the extension agreement until XX/XX/XXXX. Submitted the paperwork and payment XX/XX/2017 which met the 10 day deadline as stated in the letter. XX/XX/XXXX rolls around and the staff are calling me telling me my loan is past due and requesting payment. I explain whats going on with the extension and such. The agent says he looked into the account and seen that the extension is noted but hasnt been granted. Therefore he would email the extension department to get the situation resolved. XX/XX/XXXX rolls in and I begin getting calls again. I explain the same situation. The agent starts telling me that the extension expired because I didnt make the minimum payment by the deadline. I explain I did make the payment on the night of XX/XX/XXXX. She stated she would look into the situation again and contact the extension department to see whats going on with my account. XXXX, same thing happens, but this time I requested to speak to a supervisor. The agent put me on hold for 3 to 5 minutes, and then came back on the line stating that the supervisor was busy and unable to assist me. XX/XX/XXXX, I get yet another call and explain the situation. The agent says the same thing, that I 'll contact the extension department. I then requested to speak to a supervisor as well, as I 've been getting a run around. I requested to speak to a supervisor. The agent put me on hold for 3 to 5 minutes, and then came back on the line stating that the supervisor was busy and unable to assist me, but assured me that she contacted the extension department and they will be looking into the situation. XX/XX/XXXX, I was on the phone for 22 minutes still dealing with the situation. finally getting transferred to a supervisor. I explained to the supervisor whats going on, and she explained that she would be looking into the situation directly and will contact me back. I received a voicemail message on XX/XX/XXXX from her to call back. I called back, got another agent, and was not allowed to speak with the supervisor and was told the extension was never granted because the extension agreement was supposedly not signed by me. I spent 35 minutes on the phone explaining to the agent what happened, she finally offered me another one month extension. Same thing is happening with this extension as Im getting calls about every 3 days and I explain that I requested an extension and all that jazz. Everyone tells me that they will get it taken care of, but I keep getting calls.
Product: Checking or savings account

On XXXX I went into my Wells Fargo Bank and upgraded my account to a premier checking account. As long as I deposited XXXX into my account in the next 45 days and keep it in their bank for a certain period I was to receive a XXXX dollar bonus. I fulfilled all of their requirements and never received my bonus. I have contacted Wells Fargo multiple times on this and each time I receive a letter in the mail stating Insufficient Information was provided for research. Although they will not tell me what information they need. Each time I call they seem to have no record of me calling. It's been a complete run around.
Product: Credit card

I would like to report fraud. Mysteriously on XX/XX/23, I started receiving emails about my Chime account. I did not open a Chime account. I received a few more emails-telling me my card is on the way. I did not request this. I had never heard of Chime. I have never even downloaded the app. Today, I received a card in the mail that I do not want.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, someone applied for a credit card in my name. After I cancelled the fraudulent application, I placed a credit lock/freeze and credit alert at all three credit bureaus : Transunion, XXXX, and XXXX. On XX/XX/year>, I was notified by a previous bank, my XXXX credit monitoring, and XXXX XXXX that there was another hard inquiry on my credit report due to someone applying for another credit card in my name. I did not receive any notifications from Transunion, XXXX, or XXXX. I contacted Transunion about the issue and they confirmed that my credit was frozen and they admitted to never experiencing a case where someone was able to bypass the credit lock. They were not able to tell me how the credit lock was bypassed. I later learned that there is 4th credit union called XXXX, but that is not ever mentioned. I have now locked my credit there as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account report it as chapter XXXX an it should chapter XXXX I called To het deleted it they say they cant deleted that u have to call the company for deleted it they just can updated it for chapter XXXX an by law wrong information reporting should de deleted it
Product: Credit reporting, credit repair services, or other personal consumer reports

I was Victim of Identity theft as a result several account appear in my report that are fraudulent and not mine i have send these company all document of the illegality of these account XXXX refused to removed these account from my report and continuo to report then AMERICAN HONDA FINANCE # XXXX. 
XXXX XXXX XXXX # XXXX 
XXXX XXXX XXXX # XXXX 
XXXX XXXX # XXXX 
These account are fraudulent and not mine
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. - XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I went on line to ask for a Bank of America account, I have had two before and I am a victim of Identity Theft. I have faxed in both police reports to the three credit bureaus and to as many of my accounts including school loans. I went in to XXXX XXXX XXXX to discuss the accounts and about reopening up one. When I saw him on Saturday the XXXX of XXXX and I also took in one of my police reports that was from 2013 with the IRS. I showed him the report or at least placed it on the table. XXXX XXXX XXXX was very polite and professional. Asked for me to come back in the week so he could call in and get authorization and to override my previous accounts. I called XXXX XXXX on Monday and I left several messages. XXXXXXXX, XXXX, XXXX, we basically were playing phone tag with each other. The number I called was XXXX, when finally speaking with XXXX XXXX, he mentioned he was waiting for a call/authorization and he would let me know, to wait for a call from Bank of America by XXXX. Around XXXX I received a call from XXXX XXXX and stressing that I owed money did I want him to tell me the amounts owed to Bank of America XXXX I can fax you the police reports and can someone let me know what my rights are as a Victim of Identity Theft and thank you.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a XXXX treadmill from the online XXXX and XXXX XXXX Exchange store and it was shipped off and delivered broken XX/XX/XXXX. Icon customer service sold me an assembly in my room of choice with XXXX XXXX in XXXX XXXX XXXX, Arkansas to come out to my duplex in XXXX, Arkansas XX/XX/XXXX. XXXX could not complete the job or come back because the treadmill was broken. Icon in Utah kept sending me the treadmill piece by piece. Finally, XXXX refunded me the treadmill, the treadmill mat, and the treadmill maintenance kit a week after XXXX  and XXXX XXXX in XXXX XXXX came back out to my duplex at no cost to me to pick up the broken XXXX after I used my own boxes and blankets to attempt to pack up the pieces. I attached a file of all the dockets. I spoke to a XXXX XX/XX/XXXX and XX/XX/XXXX to close the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put on credit freeze on my Transunion account in XX/XX/XXXX. 
They have removed the freeze without my consent on XX/XX/XXXX and have allowed mutiple credit inquires initiated by an identity thief since, which affected my credit score. 
I have put back the freeze on my account again on XX/XX/XXXX. However Transunion allowed furthur credit inquiries from a leasing office in LA initiated by an identity thief on XX/XX/XXXX. I called Transunion but a Transunion person says any leasing office can retrieve my credit score even though I put freeze on my Transunion account. That is their  exception policy. 
In short, my issues are 1. Transunion allowed someone to remove the freeze on my account without my consent.

2. Transunion allows any leasing office to retrieve my credit score even though my Transunion credit account is frozen.
Product: Checking or savings account

On or about XX/XX/2023, my wife and I opened up a new savings account and a CD with our existing bank ( Capital One ). For reasons that are unclear to us, Capital One froze our existing accounts but we were not made aware of that immediately. The information we did receive indicated that the accounts were frozen because of suspicious activity, but that activity was simply the opening up of our accounts through their process on their own website. 

Because the accounts were frozen without our approval or knowledge, some of our bills that were set up through autopay out of our checking account were denied. After about 3 days, we discovered the issue and resolved the bank 's mistake on XX/XX/2023. However, in the intervening time there were two bills on which we received late fees ( {$45.00} from our water utility ; {$10.00} from a child care provider - documentation available ). 

I raised the issue of the late fees with Capital One. Their customer service said the only thing they could do is provide a letters saying that they suspended the account in error that I could use to try to get the late fees waived. A letter dated XX/XX/2023 from Capital One says that they placed a restriction on a savings account, but a ) does not mention the checking account from which the auto pay was affected ; and b ) does not acknowledge that I was not responsible for the error. 

In any case, this was solely the bank 's error which resulted in additional costs to me. I believe the appropriate remedy is not that I should have to seek out a waiver of the late fees, which I already had to pay, but that the bank should reimburse me for its mistake.
Product: Credit reporting or other personal consumer reports

Today at or around XXXX XXXX  ( XX/XX/year> ) I tried to log on to my Experian credit report after an email was sent by Experian indicating that I DID NOT have a credit freeze on my account with them. Which I had placed on the day before with all three of the agencies. I tried to sign on to place a freeze again even though I knew that I had done so the day before. But I was unable to because they said it was the wrong password, I had the same password with all three bureaus and the prior day all had worked fine. Needless to say I called to see if my credit freeze was on and it was verified by the automatic system as being on. But I had other questions relating to my credit file ( password, freeze etc. ) and I was unable to reach anyone to help me. 

This CAN NOT AND WILLNOT be the way the United States does business as long as I'm alive. If there is a problem with them not answering their phones, then hire new people
Product: Student loan

I contacted Navient about my co-signed private student loan and asked for a 90 day disaster deferment which is listed on their website as available, due to coronavirus. My store XXXX where I work has reduced hours, Im at XXXX hrs now and could drop again in time. Additionally I am already at or below the income poverty line in the State of California struggling to get by as it is before the pandemic. I rent a room in my parents house, I must pay for food and gas still and I am taking a huge risk working at my store where I could contract the virus. I have no health insurance and I have XXXX  XXXX for years now so if I got sick I would not have enough money to pay for treatment. I expect a stimulus check for maybe $ 1000- {$1200.00} but that would not be enough if I was hospitalized. All I asked for was 90 days deferment and they refuse just because Im still employed and because my father is working from home. He has huge medical bills paying for my mom and she just had XXXX, plus debt of his own and hes been on 25 % reduced paycheck for over a year. He can not afford to pay it. Navient only offered to lower the payment from {$250.00} to {$120.00} per month for just a few months which I said I can not afford. 

Additionally, an XXXX XXXX I was applying for got put on hold so I cant even start that to gain experience to get a better paying job so that I can actually afford my bills and get out of debt. This pandemic just deleted my ability to save for an emergency and my future and heres Navient doing nothing to help me. 

Its unjustified and I humane to refuse 90 days deferment during a global pandemic and forcing people to choose from a bill or to taking care of oneself.