23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I opened a credit card account with Milestone Mastercard issued by XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021. The initial annual fee in the agreement is {$75.00} and then {$99.00} thereafter. When I received the card it already had a balance of {$170.00} for the annual fee. This is not what I agreed to and is fraudulent. I called immediately and asked to cancel the card. They told me to register and to do it online. When going online I am unable to cancel the card. I spoke to a friend in finance who advised not to activate the card or use it. I never activated the card nor used it as it is NOT what was agreed to and I have the agreement from the company showing they fraudulently charged a higher fee. I called today to cancel yet again and she said I will get a letter in the mail but there is no other confirmation number or email that can be provided. She then said she had another offer for me and could give me a {$25.00} credit. I told her it is ridiculous to offer me {$25.00} when they charged an additional {$100.00} without my authorization. I want this credit card off of my credit as it is not what I authorized nor agreed to. Banks should not be able to legally charge consumers fees not in the agreement and contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will like to first inform you I am the properly authorized consumer and I am submitting this dispute on my own without any third parties, with the intent to not be discriminated against for exercising rights and applying the federal laws put in place to protect me the consumer. This is a response to the claim # XXXX Equifax has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPB that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. The following Tradeline in the resolution section have committed XXXX XXXX on my consumer report, which violates the FCRA & FDCPA. Online Information Services is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C.1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required : * Purchase Agreement * Evidence that you are a licensed debt collector *Chain of Title *Proof that you are license debt collector to collect in my state. * A requested copy of your State Department of Commerce and Insurance Certificate. THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Equifax response they stated Information has modified which mean the failed to comply with the FCRA under 15 USC 1681e ( b ) ensuring maximum possible accuracy when preparing my consumer report causing damage to my financial reputation. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have these trade lines deleted from my consumer report. XXXX never provided any contract to prove this information is 100 % accurate or verifiable therefore must be deleted from my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mohella student loan is reporting that they could not locate me. On XX/XX/30 they asked me to update my information. I promptly logged into the website and updated my information. last week, I received an email from credit journey and I called XXXX and they indicated that Mohella has flagged my account and stated I am unable to locate. This is all untrue, my score has dropped from a XXXX to a XXXX. I have never missed a payment and this is a student loan and all loans are currently on forbearance. Furthermore, regardless of if you can locate me or not, the only thing that should be reported is missed payments. I have contacted Mohella several times to get he run around, long hold times and as of yet it is still not corrected. They have confirmed that they have all the payments, yet they have done nothing further
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled up my credit report and I saw all of these inquiries on my credit. from companies I never did business with. the following inquires are, premium credit bureau, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX auto, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX company, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Dealer,
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? 

there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit XXXX XXXX Experian Account Number XXXX XXXX XXXX Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Share Agency Name XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX, 2022 XXXX XXXX, 2022 XXXX XXXX, 2022 Original Balance {$360.00} {$360.00} {$360.00} Current Balance {$360.00} {$360.00} {$360.00} Responsibility Individual Individual Individual Status Unpaid Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX. ( Please see pages 20 and 21 attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.  Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

Dear CFPB, This is a request as authorized by the FCRA. 611. 

Under 15 USC 1681 I, I would like you to re-investigate the item below on my credit report that is misleading & not 100 % accurate. 

If the item in dispute is NOT 100 % accurate, I demand for the item below to be removed / permanently deleted by Transunion, LLC from my credit report. 

This information reporting by TransUnion, LLC has adversely affected my credit worthiness and hampered my chances of acquiring new credit. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the following item on my credit report be verified and removed : Under Accounts with Adverse Information Section of my Credit Report : XXXX XXXXXXXX XXXX Acct # XXXX Balance : {$1500.00} Monthly Payment : {$110.00} Reporting Correctly : Current & Pays as Agreed ( Attachment # 3 ) Reporting 30 days late on XX/XX/2022 ( Attachment # 5 ) In short, TransUnion refuse to furnish me with the following results; ( 1 ) A description of the procedure used to determine the accuracy and completeness of the information furnished by TransUnion , LLC . 

( 2 ) The business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with such information ; Please Note : FAIR CREDIT REPORTING ACT / REGULATION V Section 623 of the FCRA and Regulation V generally provides that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnisher must investigate a consumers dispute that the furnished information is inaccurate or incomplete. 
Furnishers Obligations for Consumer Credit Information Under the CARES Act, FCRA, and ECOA ( XXXX XXXX XXXX ) Duty to Provide CRAs with Accurate Information Prohibition on Reporting Inaccurate Information. Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, it may not furnish information relating to a consumer to any CRA, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is, in fact, inaccurate.18 Credit Reporting Agency are now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act ) Sincerely Submitted, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , MO XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX XXXX , MO XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX , MO XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX XXXX , MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$27000.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Not Reported XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Mortgage

We have requested that Ocwen Loan Servicing correspond with our Attorney to agree upon a loan payoff offer. They continue to delay stating that they do not have permission to speak with a third party. I gave permission by phone and by email.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation personal information not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX FCRA Violation XXXX XXXX payments never late XXXX XXXX  FCRA Violation credit cards not mine XXXX XXXX  ACCT XXXX XXXX FCRA Violation credit card payments never late XXXX XXXX FCRA Violation other loans not mine XXXX XXXX - XXXX FCRA Violation hard inquiries not mine 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
Product: Debt collection

I had paid them over a year ago for this and it somehow comes back they want more why when I paid them in full
Product: Credit reporting or other personal consumer reports

Per XXXX XXXX XXXX XXXX XXXX 1 challeneges 30day response time, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 challenges investigation protocol, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX challenges re-insertion protocol. Hence experian is falsely reinstating debt. This is why there is a major lawsuit against experian of which i believe i am also a victim of, and will seek legal council beyond this final request to have the debt validated or removed. I have asked several times for proof of this debt yet when i dispute experian has only reinstated the debt. You can not commit me of a debt which i do not own nor can you provide me proof within legal reason. I have disputed multiple times only for the results to return with NO requested proof of debt and in less than XXXX? I do not believe a sufficient investigation was ever done.
Product: Bank account or service

In XXXX 2015, SunTrust Bank notified us that they had returned a deposit we made to our checking account. The check for the deposit was not returned to the payor, but was actually paid when initially presented to the bank on which it was drawn. SunTrust 's return notice resulted in a negative balance in our checking account along with the pursuant penalties and fees. SunTrust has tacitly admitted culpability by voluntarily crediting all return and overdraft penalties and fees associated with this transaction. SunTrust has not replied to our XXXX written requests to remove the negative balance from our checking account. SunTrust will not explain how this paid deposit became a " returned '' item. Please help us get a response from SunTrust.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XX/XX/XXXXI filed chapter XXXX b.k. with my spouse. My primary home loan and house was with XXXX XXXX XXXX. From XX/XX/XXXXforward XXXX did not report any activity on my account. In XX/XX/XXXX XXXX sold my mortgage to another lender. When that happened I was getting flashes from XXXX XXXX, XXXX XXXX, and other credit agencies that I had a fresh new bankruptcy. The only b.k. I had was inXX/XX/XXXX. I went into the branch of XXXX here in XXXX. The manager had me talk with the mortgage department via telephone. The person on the other end stated they marked my account twice. Once as closing it. Once as stating it was part of a bankruptcy. XXXX refused to change their two remarks regarding the sale of the mortgage. I complained to Trans Union via a letter and never heard back from them. It has been close to 60 days since that written complaint. It seems as though assets and accounts in bk are to be reported once. As part of the bk. Not as a fresh bk which drove my credit score down by over 30 points on Trans Union. It is false information which no one will take responsibility for. I would appreciate any help you can provide. 
Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I checked my personal credit report, which I acquired from your company in XX/XX/2018 and I noticed that there was a Fraud/Security Alert placed without my authorization. Regardless of the reason for the alert, please immediately remove the fraud/security alert from my credit report/profile. In addition to this, I am giving you advance notice to NEVER place such alert ( s ) on my credit report/profile without my EXPRESS CONSENT. I have attached a copy of my Social Security Card and a copy of my current California Drivers License for verification.

Please Note : I have 2 home ( mailing ) addresses. One address is reflected on the top left corner of this letter. My other address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. My drivers license has my XXXX XXXX address on it. My credit report reflects both my addresses. 
Thank you in advance. 
Very Respectfully, XXXX XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email offer for 4 % cash back on all non-Amazon purchases with my card. I forwarded the offer to my husband and suggested we begin using the Chase card to take advantage of this offer through the holidays. We discussed it and agreed to do just that. I immediately sat back down at my computer and followed the ACTIVATE NOW button in the email. 

While I can not say exactly what happened when I did that, I am certain that I was confident that the offer was activated. If I had been prompted to wait until receiving an activation confirmation or anything of the sort, I would have waited before using the card. 

My statements clearly reflect that prior to XX/XX/XXXX all of the purchases on this card were from Amazon ONLY. Beginning on XX/XX/XXXX - the day after I activated this offer - I began using this card for all household shopping, believing we were accumulating 4 % as promised in the email solicitation. In fact, we made several large purchases with this card for this very reason. 

In late XXXX, my husband asked when we would be awarded the extra points. Since its not unheard of for credit card companies to award the bonus points on a scheduled basis ( quarterly, end of promotional period, etc. ), we thought we would be awarded a lump sum. When I went investigating on the Chase site, I discovered that the 4 % was not being applied. 

I called on XXXX and spoke with someone, clearly explaining the situation. We would not have given up the rewards on our typically-used XXXX  XXXX XXXX card to earn LESS with Chase and we would NOT have paid a 3 % surcharge on auto repairs. I can also show that we stopped using the Chase card on XXXX, when it was confirmed that we were not receiving the promised bonus rewards. 

Despite a promise to review the case, we were denied a correction of this error by Chase. I simply do not understand how it can be the customers responsibility to be sure there wasnt a problem on THEIR end. One customer service representative actually told me that we shouldnt have used the card if we didnt receive a confirmation email and how would I know that there would be a confirmation email sent? I would think the last thing they would want would be for customers having to second-guess their dependability. 

I wrote to Chase on XX/XX/XXXX and was denied a correction of this error. They responded saying that they were denying my request because I didn't activate the offer using the " ONE-CLICK '' opt-in. I did, but if their website wasn't working properly, why should I be penalized??? 

I wrote a second time to Chase on XX/XX/XXXX, again asking for a review of the account and was again denied in a letter dated XX/XX/XXXX. 

As a consumer, this feels - at the very least like horrible customer service and perhaps as bad as a bait-and-switch. Not only did we lose the bonus point values by not receiving the 4 % from Chase, we actually got LESS back from Chase than we would have if we'd just used the card we always used.
Product: Credit reporting, credit repair services, or other personal consumer reports

Firstly, I was traumatically affected by the declared disaster XXXX. I was let go from work to lessen the in office capacity. This pandemic and the mandates were out of the peoples control. This account is negatively affecting my ability to get a home to house my XXXX  Ive called and spoke with the creditor several times. I am XXXX  because of this hit, I received an emergency housing voucher but am unable to use it because renters automatically see this negative hit and deny me instantly. Please help, there should be some kind of forgiveness due to an uncontrollable disaster occurring. My previous disputes meet FCRA requirements but no action has been taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some unauthorized unverified inquiries on my Transunion report and want them deleted. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions ( 4 to 6 times ), both my wife and I have been unable to get copies of our credit reports from Equifax through the website XXXX. After entering our information and answering the security questions, the process always fails with a generic error message " unable to give a credit report at this time. '' We have then restarted the process and then have successfully received credit reports ( through XXXX ) from XXXX  and XXXX. 

But on multiple times and with 2 different individuals ( for my wife, and separately for me ), we have been unable to receive a credit report from Equifax through XXXX, and then have been able to successfully receive credit reports through either XXXX  or XXXX. 

The most recent occasion that this failed was on XX/XX/2020 ( for both me and my wife ), I commented on this problem via feedback at XXXX. They sent me letter indicating I should contact the credit reporting company directly with any difficulties securing a credit report. 

I contacted Equifax by phone and they agreed to send me a copy of my credit report by mail and they would investigate the problem I had. The agent I spoke with had a noticeable accent and there was significant office noise in the background, and the agent had difficulty hearing/understanding me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps reporting Bad info. I fix then they added again and this has going on for three years I can not get my credit up unless I let them have Acces to my accounts. So invasive They fixed. XXXX Not mine name or address and still say the verified and that is XXXX its not correct and it not valid They would not delete XXXX XXXXXXXX XXXX XXXX Fraud wrong address wrong name wrong signature And they both say its valid How is this Not my signature fraud by them Now they saying they will do foreclosure on something is not mine but keep reporting Im homeless because of this I have complained so many times and now XXXX a fraud company and criminal are asking to me to pay {$1000.00}. So they would take out of my credit! 

Or the foreclose will go thru and they will put in my credit report That its fraud Its not me its y signature its not my address I even send them a copy of the police report that someone stole my cash box with my identity