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

I am writing to request assistance in updating my personal information with Transunion, one of the three major credit reporting agencies. I have recently noticed discrepancies in my records and would like to ensure that my information is accurate and up-to-date. 
Below is my correct personal information : Name : XXXX XXXX Birthday : XX/XX/year> Phone Number : ( XXXX ) XXXX Current Employer : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, Ohio XXXX I have already attempted to update this information directly with Transunion but have faced difficulties in doing so. Therefore, I am seeking your help in addressing this matter and ensuring the corrections are made promptly.
Product: Debt collection

WHEN INITIALLY I DISPUTED DEBT I WAS CREDITED FOR THAT AMOUNT..AND ALL PENALTIES REMOVED .SUBSEQUENTALLY I WAS RECHARGED FOR DOUBLE THAT AMOUNT ... IHAVE CONSTANTLY ASKED FOR PROOF TO NO AVAIL ... NOW I AM BEING BADGERED BY A " XXXX ... FOR THE sum of {$2400.00} ... .re. " XXXX account ... .. ( XXXX XXXX XXXX ) ... ... .dealing with there reps. is like dealing with XXXX ... ... no one seem to be able to prove my alleged debt ... I am XXXX years old ... and can afford to pay ...., but I refuse to be bullied and badgered
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reports. Unfair credit reporting can also shake people 's trust in the system. 
So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX- XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent.

These accounts are not related to any transactions made by me, the consumer.
Product: Checking or savings account

Back in XXXX of 2022 i had identity theft issues & there was fraud on my XXXX checking account as well as my bank of America accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2016 XXXX placed a hard inquiry on my XXXX  Credit Report. I contacted the company previously and requested for them to removed the inquiry as I never gave them authorization to place a hard inquiry on my credit report. I also do not have any open accounts. On XXXX XXXX, 2016 XXXX placed a hard inquiry on my XXXX Credit Report. I contacted the company previously and requested for them to removed the inquiry as I never gave them authorization to place a hard inquiry on my credit report. I also do not have any open accounts.
Product: Credit card or prepaid card

Chase offered me a Chase XXXX XXXX card two weeks ago. I immediately signed up for it and instantly got approved a week ago. When I checked my online account today, I found out that they suddenly closed the account! They also did it with another credit card that I applied for which is the Chase Slate. These two cards were opened about a week ago. did n't even get the chance to get those cards in the mail yet -- they already closed it without prior notice.
Product: Credit card

Dear CFPB, I am submitting this request in hopes that you will review the security and compliance issues surrounding FSA charge cards. I never received my card, nor did I receive any correspondence, welcome email, or letter regarding its issuance. 

As you may know, the full available balance for the calendar year is accessible upfront, even before the funds have been contributed. Unfortunately, in my case, someone intercepted my card via USPS. When I requested proof of registered delivery, the issuing entity was unable to provide any verification. 

Additionally, a dental office allowed an individual to use the card despite the name not matching the patients records. This is an unacceptable practice, and companies handling charge card accounts should be held to the highest security and compliance standards to prevent such fraudulent activity. 

I urge the CFPB to investigate these lapses and ensure proper safeguards are in place to protect consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters to XXXX, XXXX, XXXX  on the following dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX concerning XXXX XXXX account & XXXX XXXX XXXX on my report that needed to be validated. I asked on all instances to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they had on file for the accounts listed. 



They did not remove the account after the 30 days however they removed XXXX from 1 bureau but then reinserted the account without providing any documentation validating the debt or any notification prior to reinsertion The XXXXXXXX XXXX XXXXXXXX account was updated to non charge off however no information was ever provided to validate. 

I have been incarcerated for 10 of the past 15 years of my life and have had my identity used while being XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report recently and noticed that there are negative marks on my report such as late payments, which I really don't recognize because I have always been up to date with all my payments and in my history there have always been on time payments, all payments have been made on time, so it seems unfair to me that these marks are affecting my credit in a negative way The negative marks are these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I filed a complaint against Upstart with the XXXX- in regards to interest, NSF fees for charges that they had on auto-payment when that's not how it would've been set up since I'm paid bi-weekly and dates change and it's too difficult to keep on going in changing dates. They removed interest fees but refused on the NSF fees. On XXXX XXXX, 2022 they attempted to take {$100.00} out of my account. They did not have permission for this charge. They had permission for a {$50.00}. The {$100.00} didn't go through because it was attempted yesterday and I don't get paid on Thursdays, so I wouldn't have done it for that reason, Also I had cleaned out most of my account due to fraudulent charges and my bank is in NY, I'm in XXXX So I also needed to be able to have access to my money. I've been waiting on my new debit card for just over a week. And if I scheduled {$100.00} why would I go back in and do a second charge for {$50.00}? So now on XX/XX/XXXX they are going to try and take {$110.00} out of my account that they don't have permission to take. They are constantly emailing with threats of interest charges, NSF fees, and a late fees. I regret ever getting a loan with them. I spoke with a supervisor who stated that the payment for the {$100.00} came from their side, not mine, but she had to dig into my file to find out how this happened. Really? Someone goes into my account and sets up a fraudulent charge? No. Not happening. I will change all my banking info.
Product: Checking or savings account

Citi Reference Number / Case Number XXXX On XX/XX/scrub>XXXX  XXXX, 2024, I made a check deposit of {$370000.00}, which was payment by XXXX XXXX. Shortly after making this deposit, and partial funds being made available, my card was declined while trying to make a purchase. After calling a representative, I was told I needed to go to my local branch and speak with someone. My local branch XXXX called someone in another department- which I assume was fraud- at which time I was told that my account would be closed due to it being compromised. At no point was my account compromised, and there was no act of fraud committed. 

Despite being informed that my account would be closed, my account is now frozen, and I have no access to any funds. This situation is causing significant inconvenience and financial strain, as I have no money to pay rent and bills. 

I contacted the XXXX  XXXX XXXX XXXX on XX/XX/XXXX, and given a case # ( above ), and on XX/XX/XXXX, the XXXX XXXX ( XXXX XXXX said he would contact me once he hears from their fraud department.
Product: Debt collection

This predatory Personal loan has already reached the statute of limitations. I last spoke to the original creditor in 2015. This was wrongfully just added to my credit report. This is affecting my chance for a house and for job employment. I asked oliphant to verify debt on their chat and they never did. Instead after treating me poorly and unfairly they decided to send me a new letter under OLIPHANT XXXX LLC. 
They then sent me another letter for XXXX XXXX. Then a few months later they sent me another letter for XXXX XXXX XXXX. 

They routinely change company name. This tactic is confusing and wrong. They routinely call from different phone numbers and say they are all different companies. I want them to stop and to remove this collection from my credit report. It is affecting my chances at a house and its wrong. I do not owe this loan. It was forgiven during XXXX XXXX and hasnt been paid and well past limitations timeline for my state. I asked them to stop and remove credit reporting collections but this company is deceiving and hard to handle myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were shut down due to covid, we are a XXXX. 
Capital One offered us a deferred payment option. 
We accepted it and let them know we were shut down due to covid and we are unable to make payments until it's over. 
They accepted it, and said we were in the program. 
2 months later, we got late payment notices, and they said that we owe them the minimum payment despite saying we didn't have to pay it. 
I told them we couldn't as we're shut down, the said they would defer the others, but we can't use the card and we are still getting charged fees and if we wanted it removed, then we need to pay. 
So we sought to find money to pay it, meanwhile Capital One reported us to the credit reporting agencies even though they knew we're shut down to covid. So we contacted them, and they said we can only get it off our record if we pay the past due fees despite the Covid issues. We were forced to find outside money and pay, and they said they'd remove it from the credit reports. Then, after we paid the fees they are now refusing to remove from the bad reporting. 
It has now been 6 months and 45 phone calls to them. Each time a representative acknowledges and apologizes and says they'll fix it. Then some mean person calls and says they won't fix it. It's a simple error rfor them to fix.
Product: Credit card or prepaid card

This involves a credit card that was issued to my father, XXXX XXXX. He XXXX XXXX in XXXX XXXX and I notified US Bank that he XXXX XXXX and closed the account ( all charges to the time of his XXXX were paid in full ). Several months later, I received a credit card in the mail in my mother 's name, XXXX XXXX. My mother XXXX XXXX in XXXX XXXX, so I called and spoke with a representative who apologized and advised me that he had taken care of the matter and closed the account ( again ). 

Today, ( XXXX/XXXX/XXXX ) When reviewing my father 's checking account ( this was a joint account, so I have access and have been paying the last few medical and other bills ) I saw a charge from " XXXX XXXX '' for {$74.00} on XXXX XXXX, XXXX that was an ACH payment. I contacted my bank, XXXX, who advised that US Bank charged the account in payment of an account issued to XXXX XXXX. XXXX is contesting the charge on my behalf and had me contact US Bank. While waiting for US Bank to stop transferring me from one unhelpful contact to another, I am utilizing my time filing this complaint. 

It is absolutely beyond the pale for a bank to issue credit cards in the name of someone who has been XXXX for more than 20 years in response to the cancellation of an account on behalf of her now-XXXX spouse. Once this was supposedly cleared up, the bank now has the audacity to charge a bank account for unauthorized charges? This is unacceptable and US Bank must be held accountable for this conduct. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to  request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

According to the IRS, an unpaid charge-off is income and according to the FCRA income can not be reported on a credit report. a reported 1099-C ( Cancellation of Debt ) for the following charged-off account XXXX. After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge-off on my credit report. Please cease the reporting and delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today makes Day 61 under FCRA LAW EXPERIAN is required to remove accounts being Reported inaccurately immediately its been over 30 Days its been 2 and half months Experian is reporting inaccurate information on my credit Report i notified Experian over 6 months ago multiple times and Experian is still reporting the 2 inaccurate accounts on my credit report : Name : XXXX XXXX  XXXX  Account number : XXXX Name : XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 

XXXX and XXXX has both done an investigation and Deleted the two inaccurate accounts above off of my credit report but Experian is still the only Credit Bureau that is reporting the accounts inaccurate. Its is an violations under the FCRA to report inaccurate information on an person credit report and I demand that Experian Delete the Two accounts immediately off of my credit report ( Name : XXXX XXXX XXXX Account number : XXXX Name : XXXX XXXX XXXX Account XXXX XXXX XXXX, has violated my rights. 

Im fed up and Im on my last leg i will sue Experian if they dont removed the two inaccurate accounts off of my account immediately.

Thanks
Product: Credit card

In XXXX and XXXX of XXXX we had several charges post to our account from XXXX who is a processing service for vendors in XXXX. At the time we were just starting our business and had lots of charges posting to several accounts in order to get our store up and running. Amongst the Chaos we must have approved in error a text asking for authorization on our Discover card from XXXX we thought it was for something else we were ordering for the store. Upon receiving our paper statements and reviewing them we realized we were charged over XXXX Dollars for several unauthorized charges to our account. We immediately disputed all the charges in question with Discover. The reacted quickly and issued a new card number for us and labeled all the charges in question as fraud and they were removed from our account in XXXX and XXXX of XXXX. Then in XXXX of XXXX Discover received evidence from the vendor that they shipped us XXXX  packages trying to validate the charges in question. We explained to discover that yes this merchant did do that but these were non items of value, 100 % not ordered by us or authorized and we rejected the shipments by XXXX and disputed the Import and Duty taxes by XXXX from this vendor as well. Discover in shock to us re instated the charges and re billed our account. We contacted the executive team at Discover in XXXX of XXXX assuring them we had give zero approval for these charges, that our card was in our possession 100 % of the time when this took place and this was a scheme and 100 % fraud. We explained to them about the rejected shipments to our billing address and how we were also disputing the duty and import charges with XXXX. The asked us to mail in and email all documents we had in regards to this case. We did that XX/XX/XXXX and faxed all information to XXXX at XXXX Ref # XXXX. We told the rep over the phone that in good faith we will continue to make the min payment due on the account so our credit rating was in good standing until the issue was resolved. She confirmed that was a good idea. Fast forward to XX/XX/XXXX we have received zero response to this matter by Discover. Our account has not been corrected for the fraudulent charges and we continue to make payments and are getting charge monthly interest for unauthorized fraudulent charges.
Product: Debt collection

This Company was asked to show proof of this debt. The company responded with an attachment with my name but the address listed has never been a resident of mines. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Credit collection services To Whom It May Concern : This is concerning Account Number : XXXX. I previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was a copy of alleged account information. This does not begin to fulfill my information request and your requirement to provide the requested documentation. Your effort is inadequate and does not meet Federal Trade Commission debt validation guidelines. The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. Mere itemization of what you already have does not accomplish my requested debt validation. This is my second request. Please provide me with ALL of the following points of information : 1. Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations in ( Your State ) has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent or Agent of Service. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by bringing this issue before a judge. I intend to take all legal steps available to me if I do not hear back from you. Sincerely, XXXX XXXX XXXX
Product: Payday loan

On Monday XXXX XXXX, 2016, I received an alert from my credit monitoring company XXXX XXXX, informing me that XXXX credit reports were taken out on me today : XXXX from XXXX XXXX and XXXX from Clarity Services Inc. I set up a Credit Fraud Alert with XXXX on Monday, XXXX XXXX, 2016 immediately.I filed a complaint with CFPB about the XXXX XXXX incident ( Case number : XXXX ) and i got that one stopped. I learned from my XXXX Fraud agent on Wed, XXXX XXXX, that Clarity Services is a third party that pulled my credit report in response to an online loan application filed in my name with a company called XXXX XXXX. I have never heard of XXXX XXXX and did not make this application. I called XXXX XXXX directly ( XXXX ) and informed them that this was fraudulent. They told me that they would stop the loan process and send the application to their fraud department. Then, on XXXX XXXX I got another email alert from my credit reporting company telling me that Clarity Services had again pulled a second credit report on me. I do not know if Clarity Services once again did this for XXXX Loans or for a different entity. However, I have not applied for any loan or credit anywhere in XXXX or XXXX 2016 so any application now is fraudulent.