23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I saw a promotion that Discover Card had announced where they were offering 10 % cashback on all purchases made in-store with XXXX Pay up to {$10000.00} and there were no exclusions noted. I chose to open a Discover credit card at the time due to this great deal being advertised. I confirmed with others that the 10 % cashback did not exclude gift cards. Fast forward three months, I 've started to receive emails from Discover stating that gift card purchases are excluded from the promotion. It turns out, that two days after the promotion went live, Discover decided to change the terms of the promotion to exclude gift cards. Discover did not inform card holders of this change in their terms. It 's absolutely unacceptable for a company to bait and switch consumers like this without any notice. I have contacted Discover via chat, who told me to email the email that contacted me about gift cards being excluded and I have not received a response.
Product: Credit reporting or other personal consumer reports

I recently changed my phone numbers. I have made several attempts calling Experian and tried updating phone number on the profile page of their website. It just says something went wrong. Call end up getting lost on XXXX that never directs to proper resolution. I am unable to manage freeze on my account because experian does not offer me any way to update my information.
Product: Debt collection

XXXXXXXX XXXX  has been reporting on my XXXX and XXXX account after they had agreed to delete the account as it was paid in full almost 5 years ago the statute of limitation in the state of Florida is five years we moved out and paid our last month 's bill. They have never updated us or given us proof we owed this account and continue to report this even though we dont owe it and it has reached its limitation they also agreed to delete this over 4 years ago when i spoke with customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DEPT OF EDUCATIONXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

I am in desperate need with help from the CFPB Ive been suffering with XXXX and mild XXXX for the last nine months going back and forth with Experian trying to resolve these issues in many different ways with my credit for over nine months only to receive evasive and computer generated templated results. I have requested my transaction history to be deleted Under F R C A 15 U S C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states ( 2 ) Exclusions -Except as provided in paragraph ( 3 ) The term Consumer Report does not include- ( a ) Subject to section 1681-3 of this title any- ( i ) Report containing information solely as to TRANSACTIONS or EXPERIENCES between the Consumer and the person making the report. 
Back on XX/XX/XXXX I mailed a certified letter to Experian stating that in accordance with the FCRA they have violated my rights to privacy 15 U S C 1681 section 602 which states I have the right to privacy And Under 15 U S C 1681 section 604 A also states a Consumer Reporting Agency can not furnish my account without my written instructions. These accounts were indicated in this letter XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX In XXXX XXXX an electronic letter was issued in response of my request from Experian only to say Disputed information updated and other information updated, very much on the Contrary of my request. I started checking my credit monitoring reports to see if any changes for over 90 days and nothing but inaccuracies and incomplete information. 
On XX/XX/XXXX a second letter was sent out notarized and certified in regards to XXXX XXXX XXXX XXXXXXXX XXXX my request was to delete the account lateness I requested that this account be investigated pursuant 15 U S C 1681 ( i ) - PROCEDURE IN CASE OF DISPUTED ACCURACY ( 6 ) Notice of results of reinvestigation ( B ) CONTENTS ( iii ) a notice that, if requested by the consumer a description of the procedure used to determine the accuracy and completeness of the information shall provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 
In XXXXXXXX XXXX XXXXXXXX an electronic letter was written to me from Experian only to state that the investigation results stated DISPUTE INFORMATION UPDATED once again with evasive tactics violating every law I stated in my letter which will be included with my documentation of evidence. 

On XX/XX/XXXX Another letter was sent notarized and certified requesting to delete non-verifiable late payments and inaccuracies in violation per 15 U S C 1681 e ( b ) Whenever a Consumer Reporting Agency prepares a consumer report it shall follow reasonable procedures to assure maxim possible accuracy of the information concerning the individual about the report relates All accounts in this letter was listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

once again with evasive and stall tactics I have received in XXXXXXXX XXXX XXXXXXXX an electronic response to the investigation procedure as it stands now today as updated
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX XXXX, XXXX ( Home Mortgage ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX As of XX/XX/XXXX, XXXX XXXX, is the legal owner of the property, XXXX XXXX, XXXX, TN. I have enclosed the Quit Deed for your review. This case has been in legal litigation here in XXXX, TN. I am requesting you to immediately stop reporting this Home Mortgage to the credit Bureaus and Remove this tradeline from my credit profile. In addition, you have falsified my credit profile since XX/XX/XXXX. I have not paid you any money since XX/XX/XXXX. However, you continue to falsify my credit report as if I have been paying you. On my credit report it shows 120 days late since XXXX. However, you have erroneously and willingly reporting current late payments monthly from XXXX until present. This address should have been in foreclosed years ago. I have telephoned you and written you on this matter and you have ignored my requests. To date, you have not corrected this issue. I do have a record of my certified mailings with my letters. 

In addition, I am requesting my mortgage documents as I have enclosed within this letter. This is my second attempt. This is my right under the Real Estate Settlement Procedures Act of 1974 in which you have already violated. If I do not hear from you within 15 days, I will seek legal counsel. I am a current widow, and this has caused me great mental anguish since the passing of my husband in XXXX. I pray you have compassion and humanity in your heart to do whats right especially during a Pandemic. I should be enjoying retirement, However, at my elderly age I have to worry will I be able to purchase items needed for daily living.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request to TransUnion as well as XXXX and XXXX to remove the included in chapter XXXX bankruptcy statement from my report since it was NOT LISTED in my schedules. I provided proof of my schedules they never contacted the courts to verify the matter. Also TransUnion totally misinterpreted or blaintly disregarded the letter I sent because they updated information that I DID NOT DISPUTE. TransUnion updated my student loans that were PAID for by XXXX XXXX because they were consolidated and put that my loans were included in my bankruptcy which is incorrect. That wasnt even what I was disputing they changed /updated information that I did not dispute nor request to be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

They do not want to remove and address that i dont live at.
Product: Checking or savings account

I have called and visited XXXX JPM Chase banks that I had lost my wallet on XX/XX/XXXX. I kept my account information in my wallet. There have been XXXX transactions that were unauthorized. A XXXX XXXX that went through on XX/XX/XXXX in the amount of XXXX dollars and an atm transaction of over XXXX dollars on XX/XX/XXXX. Chase has refused to credit my account.
Product: Credit card

On XX/XX/XXXX I received a {$30.00} late fee because I was past the XXXX payment cut off time the day before when I made the payment on XX/XX/XXXX. 
I requested a reversal of the fee and was told it was late because it was past XXXX and they could not reverse the fee because I had received a reversal in XXXX. 
This seems unfair and unjust - its been 2 years and they cant help the customer resolve an issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently pulled my credit report and noticed a collection that was placed on my credit report from a company that was opened by someone else. I was a victim of identity theft. This account was not opened by me. I am in desperate need for this to be removed and blocked. This has made my life very hard as i am in the process of trying to purchase a home for my son and I. Please remove as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the continued presence of fraudulent items on my credit report despite numerous previous attempts to have them removed. These fraudulent entries are severely impacting my creditworthiness, and I urgently request your intervention to address this persistent issue. 

This account was opened fraudulently and is not connected to me in any way. I have reported the identity theft and fraudulent activity related to this account multiple times. The debt is not mine, and I have provided supporting documentation, such as police reports, to substantiate these claims. 


I have reported this fraudulent activity to law enforcement, and it is not my debt. I have provided evidence to support these claims in previous disputes. 

This collection account is a result of fraudulent charges and has no connection to my financial history. I have diligently reported this to the proper authorities and the creditor. Supporting documentation, including police reports and incident reports, has been provided. 

It is disheartening to note that despite my previous disputes and the evidence provided, these fraudulent entries remain on my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies take immediate action to investigate and remove inaccuracies in credit reports. 

I respectfully request that you re-evaluate my past disputes and expedite the process to remove these fraudulent items from my credit file. I expect that you will keep me informed of the progress and provide me with a copy of my updated credit report once these inaccuracies are rectified. I am asking for your immediate assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023 XXXX XXXXXXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I complained to transunion that my credit report was showing a 90 days late payment, when I made the payment On-Time, after going through their investigation process, they determined that the 90 Days late payment was correct, even though my documention showed that I made a payment before the due date.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
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 report containing any of the following items of information Any other adverse item of information, other than records of convictions 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I filed an FTC report on XXXX They didn't take the debt off and just verified the account and it still sits on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX,, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 Listed below are the Personal Information that are being challenged Incorrect DOB : - 1985 Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was referred to a XXXX XXXX by my doctor and they faxed over a referral with my medical insurance info on it and i got billed because they said that they could n't verify the medicaid part because i didnt give them a copy of the card i tried many times to get a card and to this day since ive tried the first time in XX/XX/XXXX i still have not gotten a card this doctor visit happened in XX/XX/XXXX ive disputed it its come of my credit report and immediately put back on the report it is ruining my credit
Product: Credit card

Six times since XXXX XXXX, 2016, I have received reports from XXXX that there have been Hard credit inquiries on my credit report that were made without my knowledge or authorization. Each time, I have spent many hours on the telephone with XXXX, Capitol One, XXXX, XXXX, and XXXX. I do not have the energy to fight this any longer. Inquiries that are still on my credit are as follows. 
1. XXXX XXXX, Capitol One Bank USA NA. 
2. XXXX XXXX, Capitol One NA. 
3. XXXX XXXX, Capitol One. 
4. XXXX XXXX, Capitol One. 
5. XXXX XXXX, CBNA. 
6. XXXX XXXX, CBNA. 
There has also been an attempt to open a checking account in my name and with my SSN at XXXX XXXX XXXX a few months back. 
Please help me remove these inquiries from my report with the XXXX credit reporting agencies. None of the XXXX agencies seem to care that these bogus inquiries remain on my report.
Product: Debt collection

Someone name XXXX called from an no caller Id number saying I would be receiving a summon for court at XXXX on XXXX .Told me I needed to call XXXX. I called that office at XXXX. He didnt give his name but said Santander was taking me to court and the court date was XX/XX/XXXX. When I asked where he said somewhere in my area. No summon ever came. Today XXXX XXXX I got a taped call asking me to press on .Another firm named XXXX called again representing Santander Saying I owe XXXX but we could settle it today for XXXX. I said this is a scam .He said if you dont your court date is next week. I said someone called me yesterday said it was next week. This is a scam. I do not owe Santander any money This is harassment or a scam
Product: Credit card

In XXXX of XXXX I had a perfect credit score of XXXX. I had been with Citi since XXXX. I had never missed a payment or been late. Suddenly, they dropped my limits which caused an extreme hardship and still does today. The reason I was given is that they checked my XXXX scores but I had a near perfect score. I contacted them and asked why they didn't discuss this with me prior to destroying my credit. They said they did but would never provide documentation of it. In XXXX of XXXX and another limit drop I closed the accounts. Not one person told me of the consequences of doing this. Most recently I filed a complaint asking for them to be restored. They provided 3 letters reflecting that they had informed me via email. However, a letter does not prove notification. I requested proof of notification such as a snapshot ot the outbox sending it. I NEVER received the XX/XX/XXXX letter. I don't care if they show me a letter, I want proof. Some snarky executive from Citi called and asked me what I wanted and was touting she had a copy of the letter. Not good enough. I want proof they sent it and I want accounts restored due to the damage this has caused. Teetering on the brink of destruction I reached out to them and worked out a payment plan. Today I formally requested that they be restored with one of their outsourcing centers. It would be nice if when dealing with such stressful situations that we can understand the people we are communicating with. Their broken English makes it intensely difficult. In my original complaint I asked for restoration and this was ignored. How is it that these credit card companies can hide behind boiler print, as the female executive pointed out to me, and have NO accountability. I want proof I was notified and I want my cards restored.
Product: Credit card

On XX/XX/XXXX I intended to purchase appliances at Best Buy after all appliance 's were purchased they could not be delivered until XX/XX/XXXX we could not so Best Buy Associate in store assured me all transactions were deleted. In XX/XX/XXXX I received a bill stating payment was past due I to dispute charges I didnt make and copy of charge and didnt receive any copies was told they would investigate I did not have to pay until completion. I didnt receive answer and continued being billed and reported to Credit Bureau XXXX On XX/XX/XXXX finally was told Best Buy Associate didnt remove and I am responsible to pay for their mistake. Best Buy allegedly is charging for what they are calling a Membership and a Gift Card I didnt purchase.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XXXX refuses to provide a close date on four on my accounts : XXXX XXXX ( XXXX ), XXXX XXXX, XXXX. They report the accounts as closed but with no close date. This is dirty tactics as it looks like my account is closed that current month with a charge off. If they can't provide the date the account was closed then delete the account. 

I have a dispute with Equifax currently for this issue XXXX. I'm sure by Monday I will get a response that everything is reporting correctly. 

XXXX, I don't have a dispute that was opened on XX/XX/year>. 

XXXX has been more helpful but 3 accounts still don't show a date : XXXX XXXX XXXX, XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/XXXX ) by means of a Credit Repair Organization, Transunion has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX {$160.00} not mine XXXX XXXX XXXX XXXX XXXX {$3500.00} not mine XXXX XXXX XXXX XXXX XXXX {$1300.00} not mine XXXX XXXX XXXX XXXX {$2500.00} not mine INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXXS XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXXI XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized PUBLIC FILING   BANKRUPTCY : CH-XXXX XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Product: Debt collection

Credit Collection Service # XXXX These companies keep showing up on my credit report and I don't know them with being XXXX had a big breach I would like for these items to be removed. No Actions was done because I didn't know how to locate these companies.