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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an ongoing issue I have been experiencing with TransUnion regarding my credit profile and the inaccuracies associated with it. 

Each time I submit a dispute to TransUnion regarding my credit report, I receive stall letters indicating that they are unable to locate my credit profile. This information is inaccurate, as I have received numerous credit reports from TransUnion confirming that my profile exists. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to complete their investigations within XXXX calendar days, yet I continue to face this issue. 

Additionally, there is an account reported on my credit file that has been inaccurately listed for over a year. I have communication transcripts from XXXX XXXX XXXX, which confirm that they have never reported my account as a charge-off. 

I kindly request your assistance in having this inaccurate account removed from my credit file. I am prepared to upload all relevant documents to support my claim, including communication transcripts with XXXX XXXX XXXX. 

Thank you for your attention to this matter. I look forward to your prompt assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit freeze on my Experian account and have been trying to change my PIN due to their recent breach. I have tried calling Experian, and have entered much personal information on the phone, but all I get is a dead end with no option to change my PIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # 1195**** 15 U.S.C 1681 Section 602 ( A ) States, I have the right to privacy.

15 U.S.C. Section 604 ( A ) States, A consumer reporting agency can not furnish an account without my written consent or instructions.
Product: Student loan

My loans were rehabilitated into a XXXX XXXX XXXX Loan over 10 years ago. I was told at that time that my loans would be eligible for discharge and/or forgiveness. I was granted a Total and XXXX XXXX XXXX approximately XXXX  years ago, but my loans were never discharged from the Consolidation Loan. The other party on the loan has been working in a low-income, PSLFXXXX XXXX for over 10 years and should have had her portion forgiven under Public Service Loan Forgiveness XXXX but she has repeatedly been denied. Every time I have inquired about the XXXX XXXX and the PSLF rejections, no one seems able to explain why any of this is happening or how to fix the problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed XXXX and TransUnion Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the XXXX and TransUnion CREDIT BUREAU 's investigation was done improperly, XXXX and TransUnion Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXXXXXX Balance Owed : {$15000.00}.
Product: Credit card or prepaid card

I received a statement from Destiny FS Card Services for an annual fee and Credit Protection Fee in the sum of {$76.00}. I did not apply for this credit card. The company would not cancel the card and remove charges. Only information was that the account ended in # XXXX. When I called to inquire, they continually asked for my complete SSN. Payment due date was listed as XX/XX/XXXX.
Product: Bank account or service

I have XXXX certificates of deposit with State Farm Bank that I opened over two years ago. and each CD has a term of five years. When I opened them I elected to have interest automatically transferred to my checking account at another bank, since State Farm Bank has no branches and I already have bills paid out of another established checking account.. This was critical to me because I 'm a retired senior citizen and I depend on the interest from those certificates to pay my bills on a timely basis. I just received notice that State Farm will no longer credit the CD interest to my checking account, and they unilaterally decided to capitalize the interest on the CDs. When I called to complain, they stated that the only other option was for them to send me a check in the mail, or for me to open a State Farm Bank checking account. This is extremely inconvenient for me, as I would have to depend on the mail to receive the checks, can not depend on the date, and then I have to physically deposit the checks. All of this delays payment and I feel like they are trying to coerce me into opening another account at State Farm Bank. .If I had known this, I would not have opened the CDs there. They are changing the game in the middle and it is not right. I do n't know how they have the authority to do this during the term, as I have a contract with them to keep my money there and they should have to comply with my directions.
Product: Student loan

I completed the process to receive PSLF in XXXX 2021 and received a letter stating I would not receive credit for my previous loans payments if I consolidated. I qualify under the new waiver, but did not continue with the consolidation because of this letter. After researching, I know the letter had incorrect information that kept me from continuing my process to receive PSLF. I now have to start the process all over again and contact my service providrs to see if I can still consolidate because FedLoan sent me incorrect information.
Product: Mortgage

my name is XXXX XXXX XXXX : NOT XXXX RECEIVED LETTER FROM YOU XX/XX/XXXX WHATIS ITGOING TO TAKE YOU PEOPLE TO UNSTAND I DO NOT OWE XX/XX/XXXX PAYMENT IF SOME ONE WOULD LOOK AT THE NOTE THEIR IS ONE SAID I HAD PAYED A EXTRA PAYMENT NONE DUE IN XXXX. I SPOKE TO A LADY WHO CONFIRMED IT WAS NOT DUE, JUST GOT ANOTHER LETTER TODAY RE : HAMP-HOME INSURANCE I RECEIVED A LETTER FROM BAYVIEW SAYING INSURANCE GOING UP AND IF I WANT TO DISPUT IT SEND A LETTER I DID ON XX/XX/XXXX-HAS MY ACCOUNT # -STICKER WITH MY NAME ON IT-WHY CA N'T YOUR DPT DO YOUR JOB AND TAKE CARE OF THE PEOPLE WHO PAY THE PAYMENTS : ALSO THE BAYVIEW CALLS ME ON XX/XX/XXXX SAYING NEVER RECEIVED SEVERAL PAYMENT NOT TRUE I HAVE PROVIT MONEY ORDER THEY WERE CASHED ASK THEM TO CHECK IT OUT ALSO WHY WOULD I DAMAGE THE MODIFACTION THAT TOOK 2YRS TO GET EVERY SENCE XXXX TOOK OVER IT TAKE 4DYS TO GET TO THEIR BANK WHICH I HAVE PROVE ALSO BUT THEY SAY AFTER IT GET TO A BANK THEN THEY WAIT ON THEIR CHECK WHICH MAKES NO SENCE WHEN I SEND MONEY TO FLORIDA IT ONLY TOOK 3DYS NO PROLEMS DO YOU AND BAYVIEW LIKE SEEING PEOPLE LIKE ME WHO WORKS HARD TO KEEP BILLS ON TRACK AND NEVER LATE DONOT CARE WHAT THEY SAY DO YOUR JOB AND MAKE THEM FIX IT I HOPE SOME DAY THE GOVEMENT FINES YOUR COMPANY FOR NOT TAKEING CARE OF THE PEOPLE YOU COMPLAINTING ABOUT.BAYVIEW LOAN IS-XXXX-IF I DO NOT GET ANY WERE WITH YOUR COMPANY I WILL TRY HIGHER UP WITH XXXX XXXX OFFICE -OR ON TV/RADIO I AM NOT JOKING.PLEASE HELP ALL I AM ASKING THAT YOU DO YOUR JOB.
Product: Credit card or prepaid card

about 6 or 7 months ago we made a small contribution to act blue a political organization. since then we have been charged on a " recurring charge '' many times. we contacted capitalone and told them to delete all these charges. we have been told that our complaint is under investigation .but has never been corrected. the balance due as of now is more than {$600.00} and has been going on for months. i am XXXX and my wife is XXXX it is beginning to affect our health. your help to eliminate these charges is appreciated. please contact us to assist in resolving this matter. thank you.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following inquiries from my credit report, immediately : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items were not authorized by me.
Product: Prepaid card

I have 2 prepaid American Express Gift Cards in the amount of {$100.00} each. 
I checked the balances at amexgiftcard.com and they both show full balances of {$100.00}.

I have screenshots. See attached. 
I have tried to use these cards online at XXXX, starbucks.com, and verizonwireless.com. I am sure I tried them elsewhere, but those are the three that I recall. Local business will not even run them because they are " troublesome ''. I also tried to add them to my XXXX XXXX but they were declined. Most commonly the error I get is that there is an issue with the security code. 
I have spent hours and hours trying to get these to work but have had no success at all. 
" Customer service '' is useless. 
This complaint is for card XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the delinquency of payments on my account. I woke up this morning, XX/XX/2023 to a -77 hit to my credit score over a charge of {$120.00} that I am just now finding out has been assessed to me since XXXX. I spoke to a representative at XXXX that claimed they had sent me letters to indicate my balance that was due to two parking tickets that had been assessed directly to my car. I have never had a ticket assessed directly to my car in 10+ years of leasing, so this is new to me as well. 


XXXX also claimed they had called me twice since XXXX to let me know but could not leave a voicemail due to regulatory laws in my state. If they couldnt leave a voicemail and I have not actually been receiving collection notices, how am I to know that I owe money that would ultimately result in such a significant penalty? Also, the account shows my balance is only 18 days overdue, so if these charges have been assessed since XXXX, wouldnt it show a longer delinquency? 


Nevertheless I have since been paying my car balance down regularly with no actual communications to me that I had been delinquent. 


I have attached proof from my bank account and with Trans Union that I have been paying down the balance of my lease monthly at the beginning of every month and have been in good standing this entire time. I also am hoping that my overall good standing with my credit/finances can be taken into consideration at this time. I have never been late with a credit card payment, student loan payment in 10+ years, I have leased 4 different cars with XXXX and have never missed a payment there either. 


I believe this has been a miscommunication over a seemingly small amount of money that I would have paid had I been properly notified of the charges. I have attached payment of the outstanding bill as well. I have worked my entire adult life to maintain a good credit score in hopes to buy a house, and I am hoping this small issue does not set me back and this hit to my credit score can be removed and my original credit score can be restored. 


Thank you so much for hearing my dispute. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX. 
Consumer DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan from XXXX XXXX XXXXXXXX BALANCE : {$7300.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Debt collection

I signed up with XXXX in XX/XX/2022. When I tried to log into my account I realized I was being denied access to the account due to a typo in my email address. After repeated attempts to contact them via their website to rectify the error I kept getting the same standard reply asking me to log in with the address on file. I was never actually able to use the account and therefore declined payment towards it. If there is any evidence to the contrary I would be happy to make the payment. A complete lack of customer service makes matters even more difficult to resolve with XXXX. 
In XX/XX/2022 I got a letter from a collection XXXX XXXX. I emailed a detailed description of the matter and spoke with them over the phone as well. There were several email exchanges and I even mentioned that I would contact a consumer protection board if the harassment continued.
Product: Credit card or prepaid card

In order to purchase furniture from XXXX XXXX in XXXX XXXX, Texas in XXXX of XXXX they required me to apply for their XXXX XXXXSynchrony Bank Credit Card in which I did. I soon paid the entire amount off within a couple of months. I also purchased some lamps and end tables and immediately paid those off as well and have never used that credit card again. In XXXX of XXXX I received a bill in the mail from this credit card in the amount of around {$130.00} or so. I called Synchrony to inquire as to why I was receiving a bill since I hadn't used this credit card at all since I had purchased my furniture and paid it off. The synchrony representative told me that it was for a purchase that was made at a store called XXXX XXXX in California. I explained that I hadn't used this credit card anywhere but at the XXXX XXXX in XXXX XXXX and that I had paid the card off in full within a few months after purchasing. I live in the XXXX XXXX area so why would I go to California to purchase something. It didn't make sense. She told me that the items purchased in California where delivered to my address but she could not provide my address to me. I filed a fraud claim with synchrony 2 times and they denied it 2 times. The third time I filed another fraud claim in XX/XX/XXXX the representative assured me that she could see that it was fraudulent and she was going to get it removed from my account. She said she was going to send me a blue form that I needed to fill out and sent right back in. When I received the form in the mail the due date had already passed but I filled it out and sent it in anyway. Today, XX/XX/XXXX I received another bill in the mail from Synchrony. This time it was about {$9.00} less. None the less, they did not remove the fraudulent charge from my account and this is affecting my credit. I called them again today and no one at Synchrony can seem to help me. They just keep telling me that they will submit another fraud claim and they keep rejecting it. I can't get anywhere with anyone and I need help. I absolutely did not make this purchase and I will not pay for fruadulent purchases illegally made on my credit card in my name.
Product: Credit card or prepaid card

This UPGRADE INC XXXX account is reporting derogatory information as reported in my Credit Bureaus. The first being with the XXXX XXXX XXXX XXXX XXXX XXXX and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

UPGRADE INC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX for a free consultation on my teeth to possibly purchased some invisalign from this particular dentist located in New York who has also an office at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. During the consultation with a salesperson who took photos and information on my behalf I was told that I could get a loan for {$1800.00} from XXXX a company who gives loans to purchase their products. I was reassured that I was not under any obligation until I would get my teeth 's evaluation. A few weeks later I got their results and I was told that invisalign would not make a difference on my teeth. Obviously I decided NOT to purchase the product and in fact I never ordered it nor did I ever received it.

Nevertheless XXXX and XXXX fraudulently made a loan ( see the many bad reviews on XXXX ) which I did not authorized. I called them multiple times and tried to send emails but it could not reach them. I did not want their loan. I never authorized it. I did not want their product after the consultation nor did I received the product, regardless I have a loan with XXXX showing on my credit report as a thirty day late from that loan
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are currently appearing on my credit report. 

-- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- -- -Experian -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom It May Concern : I have recently been informed that you removed and then re-inserted negative information in the file you maintain under my Social Security number. It is a F.C.R.A. violation, and i was not informed by you.Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. 

XXXX XXXX  Reported : XX/XX/XXXX{$2200.00} XXXX XXXX Reported : XX/XX/XXXX{$1000.00} There are no contracts, no valid claim ... accounts were settled with original creditor, never late or went into collections Grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Checking or savings account

Marcus has frozen my account for the second time in 2 months for no apparent reason. They have told me that due to an " issue '' ( which they refuse to clarify ) they are unable to to call or text me on any of the phone numbers I have on file with the bank since the day the account was opened. I have wasted at least 3 hours on the phone and every time their response is the same, due to security measures they are unable to text or call me at the phone numbers I have had on file with the bank since account opening and the only alternative offered is a driver license verification, however apparently Marcus is not set up to be able to verify XXXX drivers licenses. No alternative was offered ( except possibly moving to a different state? ) and the call has been ended each time.