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

XX/XX/XXXX a payment of {$190.00} was made to BJs Comenity account # XXXX from my XXXX bill pay/checking account. 

XX/XX/XXXX my BJs card was declined I called Comenity ( XXXX ) and was told they didnt receive the XXXX payment. I immediately authorized a payment of {$260.00} from my XXXX account. 

I checked my account with BJs and realized the XXXX payments were not credited to my account. I closed the account and filed a fraud complaint. 

XX/XX/XXXX a payment of {$250.00} was made from my XXXX account to BJs Comenity XX/XX/XXXX the XX/XX/XXXX payment was not credited to my Comenity account this error was added to my complaint. 

I received three letters stating that they were investigating my complaint. 

XX/XX/XXXX I met with the vice president of my local XXXX and asked for help. She called Comenity and they hung up on her. She wrote a letter to Comenity stating that the three amounts I was disputing were paid. 

XX/XX/XXXX Comenity wrote requesting a copy of my banking details from 30 days after the payments processed and a letter from my bank XX/XX/XXXX XXXX XXXX wrote another letter with my banking details. 

XX/XX/XXXX Comenity sent a letter that stating : On XX/XX/XXXX you filed a fraud dispute on the above BJS WHOLESALE MASTERCARD credit account with us. After our thorough investigation of the claim we have concluded that you are not responsible for the disputed balance amount on the BJS WHOLESALE MASTERCARD credit card account. In addition, we have submitted a request to the three national credit reporting agencies to remove this account from your credit bureau report if applicable. Please allow 30 to 45 days for the update to occur. 

XXXX XXXX I received correspondence from Comenity stating : On XXXX XXXX you filed a fraud dispute on the above BJS WHOLESALE MASTERCARD credit card account with us. After our thorough investigation of the claim we have concluded that you are not responsible for the disputed balance amount on the BJS WHOLESALE MASTERCARD credit card account. In addition, we have submitted a request to the three national credit reporting agencies to remove this account from your credit bureau report if applicable. Please allow 30 to 45 days for the update to occur. 

XX/XX/XXXX I received this correspondence from Comenity stating : Thank you for contacting Comenity Capital Bank. As the bank that issues your BJS WHOLESALE MASTERCARD credit card account. After reviewing our records, we can confirm receipt of the following payment {$240.00} on XX/XX/XXXX. We credited this payment to your account. Your current balance is {$0.00}. 

XX/XX/XXXX I called Comenity and was told BJs accounts were now handled by XXXX XXXX. I called XXXX XXXX and was told this dispute was the responsibility of Comenity.
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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

" XXXX XXXX '' XXXX XXXX XXXX XXXX, 2017 XXXX XXXX XXXX CHN TERMINAL ID : XXXX XXXXXXXXXXXX CNY Amount charged in USD : {$570.00} I visited this location and purchased a minor item for XXXX as shown on the menu. I was over charged XXXX and was unable to dispute the transaction with the vendor, as they were unable to speak english.

I followed up with a call to my Credit Card, Discover IT, who placed the dispute.

The charge was then reversed when the vendor claimed I recieved and signed a reciept with an invoice of items purchased. A receipt copy was faxed to Discover and provided to me on the Discover website.

I tried then again, to dispute, as the amount was wrong from what I ordered and what I was billed. And the receipt given has a poorly forged signature imitating my name.

Upon contacting Discover repeatedly, and filing in house complaints. I 've received no further information on how to continue this dispute, and any discussion with the representatives at their line of business, state a complaint is filed and end the call prematurely, providing no resolution, or proof of resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

did not remove these fraudulent inquiries : XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX I Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXXXXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank
Product: Mortgage

In XXXX I contacted my mortgage company they over paid my property taxes. Final the city of XXXX sent the overpayment back. I contacted my Mortgage company my proper taxes are frozen and what the proper amount should be. They discovered their was an error and requested the over payment back. In XXXX they have made the same mistake after me calling and sending them information that my property taxes are frozen. This year once again the over paid my property taxes {$3900.00} but according to The city of XXXX my property taxes are {$1700.00}. My Mortgage company is New Rez LLC loan number XXXX. Telephone number XXXX My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

The entire history of my reports show one account reporting adverse information to all three Credit Agencies of a 30-day late payment in XXXX of XXXX to XXXX XXXX XXXX I have sent letters from XXXX XXXX to all three agencies and phoned XXXX XXXX about this matter and despite being continuously told that it is resolved, the late payment still tends to reappear and reflect on my report, now on all three bureaus. In the fall of XXXX, a medical day spa merchant had a system error wherein they somehow accidentally recharged their consumers for the tip portion of their service payments - months after the service had occurred. I was unaware of the charge believing myself to have a XXXX balance on a card I rarely used. XXXX XXXX  XXXX emailed apologies to their customers and refunded the charges to their customers. XXXX XXXX agreed to remove the 30-day late as it was a result of the vendor error and mailed me a letter agreeing to such. I in turn mailed copies of this letter to each agency, but it continues to resurface on my credit reporting, now 5 years later.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with Experian Credit Reporting agency and company is stating that the balance remaining of {$290.00} is correct which it is not correct. 

Account referred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX for collections which I have been making payments to and I paid the debt " in full '' on XX/XX/2023. I've attached the " paid-in-full '' letter provided to me from XXXX XXXX XXXX
Product: Mortgage

I have submitted a request for release of a XXXX mortgage with PNC Bank overv ( XXXX ) XXXX months ago. There are serious ownership issues I raised plus I submitted a letter of financial hardship. I realize that PNC may have more than its fair share of non-producing mortgages, but in my case the loan was a wrap around note with my business that eventually dissolved through a Chapter XXXX bankruptcy petition. My responsibility to the note has been discharged, however I believe that PNC has no other recourse but to forgive the debt completely. The Mortgage Forgiveness Act of 2014 will protect me of any IRS issues for forgiven debt. I demand that this matter be resolved immediately.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX  - XXXX - XX/XX/XXXX - {$300.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$10000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I have not opened any student loan account in XXXX. My student loan accounts were paid in full on XX/XX/year>. I have not authorized any student loan disbursements with my name. If otherwise, please send me the lender 's contract with my signature.
Product: Checking or savings account

Evolve Bank and Trust via third party Banking App called XXXX. Paychecks are frozen and in limbo with no clear date as to when I can access funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM RESPONDING TO THE COMPLAIN NUMBER CFPB # XXXX THAT YOU CLOSED ON XX/XX/XXXX WITHOUT ANY INVESTIGATIONS. THIS IS NOT A DUPLICATE COMPLAINT AND ITS SEND BY ME XXXX XXXX XXXX AND AUTHORIZED BY ME XXXX XXXX XXXX XXXXDONT IGNORE THIS COMPLAIN, BUT INVESTIGATE, AND TAKE ACTIONS***** I HAVE ATTACHED THE FOLLOWING INFORMATION AND DOCUMENTS YOU REQUESTED. I ATTACHED THE DRIVING LICENSE AND ONE COPY OF THE UTILITY BILLS, ALONG WITH OTHER DOCUMENTS. 

NAME : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX I notice inaccurate information reported by Experian regarding a Charge Off account XXXX # XXXX. This account was charged off in XXXX. Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. These are the Violations of the Fair Credit Reporting Act. 1. Delete this account, because it shows Balance {$2500.00}. A Charge Off/Close Account must show {$0.00} balance. 2. Delete this account, because it shows a Past Due  Amount {$2500.00} and a Charge Off/Close Account must show {$0.00} Past Due. 3. Delete this account, because it shows Payment History reported  consecutively as NEGATIVE in XXXX, XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. Please delete this account, and send me a new report. I need to apply for a mortgage in 2 months and this is an urgent matter. I have attached my Experian Credit Report and circled the violations, Experian violated in red color. Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

Dispute was entered with TransUnion in XXXX over XXXXXXXX XXXX taking 2 payments from my bank account. I refused to pay what I believe was a double payment & paid the proper single payment. XXXX later sold the loan to XXXX, XXXX and eventually XXXXXXXX XXXX XXXX. After it went to XXXX XXXX services I made regular payments outside of negotiated payments during COVID & paid loan in full 2 years ago. Even after loan was fully paid my credit report still shows numerous late payments because XXXXXXXX XXXX XXXX refused to take late payments off & kept applying late payment from XXXX dating back 10+ years to the front of the loan. I need these old late payments gone
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the student loan agency about me being in deferment and I was still reported late. They said it will be updated but nothing happened. The credit bureau didn't follow guidelines and still reported me late.. I came to this country with a vision to succeed. I would never be late on my bills. I work hard to survive and make it.Please help with justice to get these 13 lates removed from my report. Its actually one loan but its reported different on my report. I contacted the student loan to verify. Im beibg reported late 13 times. Please help to update my report
Product: Checking or savings account

On XXXX XXXX XXXX, I opened a checking account with XXXX and made a single transaction of {$27.00} by transferring funds into it. However, to my surprise, on XX/XX/, I received an email informing me that my account had been reviewed and that there was activity that your platform was unable to accept. Consequently, they mentioned that my funds would be held for a period of 90 days. 

Naturally, concerned about this unexpected development, I immediately contacted the customer service department seeking clarification on the nature of this activity. Unfortunately, I encountered a disappointing experience. The representatives I spoke to were unable to provide me with any meaningful information or assistance. They could not tell me what activity was made. They also would not let me speak to anyone in the security department. No one I spoke to could give me a valid reason or explanation.I found this lack of transparency and support disheartening, especially considering that the only transaction made on my account was the initial deposit I made.
Product: Debt collection

Per the Fair.debt collection practices act and the fair credit.reporting act All debt have to be validated and the consumer have the right to dispute the debt before a debt collection agency report it. I did not receive this from the company as the company reported this information before I was given the right to dispute and the information was validated. Therefore they violated the law. I want this information deleted off my credit report. I 'm sure that other consumers was treated this way, I have consulted an attorney for a possible class action suit
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$2400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$780.00} XXXX C SYSTEM ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$610.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX  XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2024, I received an email ( see attached ) from US Bank promising a {$300.00} bonus if I deposited {$15000.00} into my savings account specified and maintain the balance for 2 months from XX/XX/2024 to XX/XX/2024. I transfered {$15000.00} from an external account and met the terms. The email states that I would receive the bonus within 30 days of XX/XX/2024. It has been 34 days since XX/XX/2024, and I still have not received the bonus. I contacted US Bank Customer Service on XX/XX/2024. The representative kept denying that I received a promotional offer.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously submitted a complaint against this company, expecting the company and financial institution to take action protecting their customers. To date, I have not responded one response from Monmt. When I call, the representatives were rude and rush me off of the phone. The company claims to have started an investigation, and openly admitted to attempting to retrieve money from the contracting company in question. I contacted the company via tele-phone and email requesting my credit report reflect accurate information Monmt has yet to respond to this request as well. Despite endorsing that the contractor took money for services not provided, the company will not respond if I do not involve a government entity exercising my rights and attempting to advocate for myself. Again, I am requesting my credit report reflect the correct information. Further, in good faith and integrity, the company Monmt and the financial institution should not make false promises while later completely ignoring your customers. 

*If an investigation took place, please provide me with the report and findings. Based on your endorsement of XXXX XXXX XXXX XXXX refusal to refund money for services not provided my credit report will need to be updated within the next 30 days. 

For reference Key laws include : The FCRA ( 15 U.S.C. 1681 ) is the primary federal law governing credit reporting.

TILA ( 15 U.S.C. 1601 ) requires creditors to provide clear and accurate terms and conditions for loans and credit The FDCPA ( 15 U.S.C. 1692 ) protects consumers from abusive, deceptive, and unfair practices by debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reports a hard inquiry dated back XX/XX/2017 again once you disputed before. Some company called XXXX XXXX XXXX-no address or phone number listed. Strange! They have placed it back on my credit reportt this year. I have a credit report monitoring system that alert me when a credit report agency invalid report false inquiry like Equifax has systematically with my credit report status dropping my points to XXXX purposely sabotaging my credit profiles. I don't like it!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries on my credit report, all of which are the result of identity theft. I have enclosed a copy of the Federal Trade Commission ( FTC ) Identity Theft Report documenting this fraudulent activity. I am a recent survivor of XXXX  XXXX XXXX  and, under the Fair Credit Reporting Act ( FCRA ) Sections 605B and 605C, I am requesting the immediate deletion of these inquiries from my credit report. 

The fraudulent inquiries, dated between XXXX and XX/XX/XXXX, include : XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX Pursuant to FCRA Section 605B, consumers who have been the victim of identity theft are entitled to have fraudulent information, including inquiries, blocked or removed from their credit report upon providing evidence of the theft, such as an identity theft report. My enclosed FTC Identity Theft Report serves as this evidence.

Further, FCRA Section 605C provides additional protections for victims of human trafficking, ensuring that adverse information resulting from trafficking is removed or blocked from their credit files. Given my status as a survivor of human trafficking, I am invoking these rights under FCRA.

Case law, such as Thompson v. TransUnion LLC, 383 F. Supp. 2d 1024 ( N.D. Cal. 2005 ), supports the obligation of credit reporting agencies to promptly remove fraudulent inquiries and other negative items that result from identity theft once proper documentation is provided. As this case emphasizes, compliance with FCRA mandates immediate action to avoid further harm to victims of identity theft.

I kindly request that TransUnion act in accordance with these legal provisions by immediately removing the above-listed inquiries from my credit report. Failure to do so within the legally required timeframe may result in further legal action to protect my rights under FCRA.

Please confirm in writing once these inquiries have been removed, or if you require additional documentation.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX said I had a XXXX credit score. I have a credit monitor account and it had my numbers much higher plus XXXX say I owe on an insurance account which I changed. Please advise because this is causing me much trouble.