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

Hello. 
I have sent numerous disputes to Transunion, XXXX and XXXX in reference to several of my accounts not being reported correct. 
XXXX XXXX  : is a closed account. However, it's still showing a balance. The last activity dates are different, remarks and times late are different on each of the 3 credit reports, months reviewed are different, high balance is only displayed on Transunion, payment history is different on each report. It's also reporting I'm using 165 % of my accounts limit on all three reports. It should be reporting XXXX. 
XXXX XXXX : is closed. However, it's still showing a balance. The last activity dates are reporting on each report, Term source type is different, Status is also reporting different, rating differ on each report, comments and history is different on each report. 
Resurge receivable is closed. However, it's showing a balance. The last activity dates are different on each report. The rating and status categories are different. Last. The account details are displayed different from each of the bureaus. 
XXXX XXXX is reporting different last activity dates varying in years on Transunion and XXXX, status is showing open when the account is closed, credit ratings are different on Transunion and XXXX. 
XXXX : Last activity dates are different on each report, remarks and times reported late are different, months reviewed, and high balances are different, payment history is showing different information on each report. 
XXXX XXXX : This account is only showing on XXXX it's reporting incorrect information, it's closed and showing I'm using 275 % of the account limit. It shows last activity was XXXX of XXXX. This card has been closed over a year. They refuse to properly investigate and remove this incorrect information. Please help me.
Product: Checking or savings account

On XX/XX/XXXX I contacted Citi 's XXXX office and spoke to XXXX about another complaint with the CFBP. Citibank lied on their response to that complaint, and stated my account was locked due to them needing personal information. It was not locked due to that, it was locked due to a mutual fund with a conservator that needed to be closed. XXXX first started to say that they would not tell the CFBP every reason my account was locked. I pointed out she didnt give any reason it was locked, she lied about it needing personal information when it was not locked for that. She demanded it was, and I asked what specific personal information it was missing the day it was locked that was then provided the day it was unlocked. She wasnt able to answer, and I pointed out that that was because there was none. They had gotten all of my personal information they needed at least a month before my account was locked, and when I called to unlock it they said it was locked due to that mutual fund issue. She then got irate and demanded to know if what I wanted was for citibank to admit they lied, and stated they would not provide that. I pointed out that lying to the CFPB is illegal, and the way they did so if fraudulent. XXXX then hung up on me. I called back and requested to talk to her supervisor. Citi said they would call me back, but never did.
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. 

( acct ) XXXX Account number # XXXX ( inq XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Loan company deferred my payments till 6 months after I graduated. Then lost my loan, I never got a bill. They used a wrong social security number. Then they came after me 20 yrs later for the full balance plus interest and penalties. and have been taking my income tax returns. My loan was only for about XXXX dollars. However they have taken over XXXX now. I need help to make them stop! theyve got there money back. I would like my money back!
Product: Debt collection

Received debit collection statement from Transworld Systems Inc. ( TSI ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX claims I owe them {$60.00} ; however, this debit has been paid. Furthermore, XXXX XXXX billed my insurance incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was on Autopay with XXXX XXXX XXXX XXXX  for a phone which I bought. I bought a new phone with XXXX and I was informed that the Autopay on my account was kicked out due to a new purchase on my account authorized by XXXX. I was never intimated on this decision, either offline or online. The credit bureaus informed me on Saturday ( XX/XX/2020 ) that this account is 'past due, ' which is due to no fault of mine. I have never missed a payment with any of my lenders including XXXX XXXX so far ( check my credit history for details ). As soon as I learned about the situation, I paid the amount due immediately ( including the late fees, which are again no fault of mine ). I was instructed by the customer service that I will receive a call from the supervisor within 24 to 48 hours, which was not fruitful. When I observed the autopayment screen on my account, it constantly showed 'Enabled. '
Product: Debt collection

I had severe and pervasive Identity Theft in XXXX-XXXX and it took a valiant multiple year effort to resolve it. Finally in XXXX it was all cleared up. 

Someone got all of my information through a burglery, and rented an apartment in my name, opened utility accounts, tons of payday loans, opened lines of credit, and ultimately got evicted which all landed on my credit, which was not apparent to me to me until approx XXXX when I applied for a morgtage and discovered the extent of the damage. 

XXXX of the items was Sequioa Financial regarding XXXX XXXX XXXX  XXXX. This was resolved by sending notarized FTC affadavits, police reports, many letters, info from the City Attorneys office. This item was removed in XXXX from my credit reports as a result of proving the ID Theft to the creditors and credit reporting agencies. 

Fast forward to XX/XX/XXXX - I am ready to close escrow on Friday, XX/XX/XXXX on a 3 month long eescrow to refinance my home due to difficulty through covid and a death in the family - and Sequoia Financial put this debt back on my credit out of the blue, with no warning whatsoever no contact, no nothing. 

Tomorrow, the XXXX, I am supposed to go in the bank and sign documents, but before that they will run my credit again- which was spotless and impeccible until this fraudulent account reappeared. This is unfair and this was fraud and it might make me lose the loan that my family is counting on. Please ask them to look in their records and remove it. I sent the FTC Affadavit to Sequoia Financial yesterday and called them today, and they said they cant do anything til tomorrow which will be too late. 

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

I have been victimized by identity theft.I reviewed a copy of my credit report and XXXX XXXX XXXX  ran an unauthorized credit inquiry on me on, XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX  and investigate such occurrence I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. I sent them a copy of the Police report from the XXXX Sheriffs Office in conjunction with my CFPB Report my dispute letter and lastly my Identity theft report with the Federal Trade Commission Certified mail on XXXX TRACKING # XXXX Due to the incompetence of EQUIFAX the unauthorized inquiry is still reporting. XXXX and XXXX have both deleted the unauthorized inquiry but for some reason EQUIFAX refuses to adhere to the Fair Credit Reporting Act.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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : 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 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, credit repair services, or other personal consumer reports

XXXX XXXX  reported a credit card belonging to my ex wife was discharged in XXXX of XXXX. 
It was not. It was discharged in XXXX. 

I have a divorce decree that shows I am not responsible for any accounts that belong to my ex wife and that I was to be removed. 
XXXX XXXX  did not remove me. 

XXXX XXXX  still reports it incorrectly on my credit bureaus and in my name. As well as false information. 

XXXX XXXX  has duplicated the discharge 2 times which is not legal in the first place and incorrect. 
And can not be in in my name per legal documents which they did. 

The XX/XX/XXXX reporting needs to be removed and the card and information needs to be removed off my name. 

Please have them follow all legal avenues and remove the duplicate information as well as off my name.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not remove the inaccurate information from my credit profile. they claim a proper investigation was was completed but how is that possible if the date of last active is inaccurate, date last reported, payment history and other inaccurate information is in correct. This is ground for removal. Accounts : XXXX # XXXX XXXX # XXXX XXXX # XXXX 15 U.S. Code 1681 section 604 A section 2 The law Cleary states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681 section 611 ( 2 ) ( a ) The law Cleary states the credit bureaus have 5 days to notify me from when they receives my disputes 15 US Code 1681 section 611 ( 5 ) ( I ) ( ii ) The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Product: Credit card

I applied for a credit card with Synchrony bank to finance a new HVAC system. Terms were 0 % interest for 18 months. I set it up on auto pay with my bank. 18 months later, I of course forgot about the 18 month period. They charged my {$2800.00} in interest. No warning, not email. Nothing. This is predatory lending. I can't believe there aren't any requirements to at least give fair warning to customers that the promotional period is expiring. I would have simply paid it off. I am so angry. Of course I have spoken with a rep and their supervisory to no avail. tis is how banks get a bad name. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Today, I received a Civil Court Summons from the law firm XXXX XXXX XXXX XXXX XXXX for PLTF Taped in the hallway of where I live. They use harsh tactics and verbal abuse when trying to collect debt. Also they use fraudulent templates of government documents to collect debt. Using fake index numbers and wording. This summons was for the amount of {$3600.00} in which XXXX XXXX XXXX posted in the hallway of my building. This all happen today at XXXX XXXX  on Wednesday XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous medical bills on my credit report which goes against the laws. Wakefield associates have to open accounts on my credit report, account resolution services, XXXX XXXX and account resolution corpo
Product: Credit reporting, credit repair services, or other personal consumer reports

HI CRA ; HI cpfp ; Look at the attachments and screenshots of those unverifiable accounts. I been trying to resolve this for months now but i continue to receive genetic responses from the credit bureaus saying that it was verified. Impossible that i can be verifiable as being accurate. 
It continues to report incomplete, misleading, erroneous and multiple inaccuracies. How is it even possible that it can be verified as accurate ... no way. so many inaccuracies on these accounts the way it's reported. i need your help in removing these all. again, Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws.
Product: Credit card

Letter written to XXXX & Barclays : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX I cancelled my subscription to XXXX XXXXXXXX XXXX on XX/XX/year>. The print out of the on line cancellation confirmation is enclosed. I subsequently called the XXXX support line and received assurances that the subscription had been cancelled and was given a case # XXXX as confirmation. 

Then I noticed my Barclays Master card had a charge of {$140.00}. I disputed this with Barclays but Barclays reversed and closed the dispute when XXXX indicated the charge was valid. Barclays never notified me of this reversal via text or email. Barclays indicated a letter confirming this reversal was sent on XX/XX/year> but as of XX/XX/year> no letter has appeared. 

Cc Barclays Bank Delaware XXXX XXXX XXXX XXXX DE XXXX Card ending in XXXX
Product: Debt collection

On XX/XX/XXXX I had a XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX. Following XXXX I spent 4 days in the hospital due to the fact that my XXXX XXXX XXXX XXXX I have an XXXX XXXX that I wear. This has caused more complications as attempting to walk was extremely difficult. So much so, that the hospital recommended that I be transported to a XXXX XXXX in XXXX XXXX to XXXX for about 2 weeks before coming home. This was approved by XXXX. We were concerned about infections and catching other things, and decided I would be better off at home ( this was the doctors preference ). Unfortunately, due to my XXXX XXXX  situation and the recently XXXX XXXX XXXX, I could not get into my home as I have steps just to get into the home and I could not go up the steps. Therefore, the hospital said they could take me there by ambulance and then lift me into the house on a stretcher. This was the only way I could get into the house. Since the hospital had already checked and had the XXXX pre-approved, the ambulance I thought was covered as well. It was just simply ordered from the hospital, so I assumed all covered. When I got into the ambulance the Tech told me not to worry as I would never see a bill on this. Now they are billing me for over XXXX XXXX dollars ( original bill {$3600.00} ). I see that XXXX has now covered {$610.00} of this, leaving {$3000.00} for me to pay. I can not afford this, and this is a total shock to me as no one told me at all that this was not covered. Had I known I would have gone to XXXX for the 2 weeks which, I believe, this would have cost more to XXXX. So, I am appealing this on the basis of " medical necessity, '' there was no way to get me home or even in my house, for that matter without it. Again, if I went the XXXX route, I would have had to be transported to XXXX XXXX as well, an even longer distance. Again, I appeal to you for further coverage of this. This was a total of XXXX miles home, and the mileage alone they are charging is {$1000.00}. This would cost me in my car about {$6.00}. Please consider this appeal request for the circumstances indicated, given I had no choice. If you need a doctor 's note or proof of my XXXX XXXX, I can certainly provide this. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I hope you can see the challenge this has created. I appreciate your consideration. Please contact me at my cell for any questions, and or email at XXXX or XXXX. Noone will listen to this and I have appealed with the insurance companuy, XXXX, and the XXXXXXXX XXXXXXXX XXXX. They keep telling me to contact one another. Which I have done and they keep saying they are checking. Then out of the blue I received an letter from a collection agency, Grant Mercantile Agency in California. They are not acrruing interest on the amount daily, at a 10 % APR. They said they will not settle on the principal at all. My insuyrance company said they would re-appeal this, as of yesterday XX/XX/XXXX and they were supposed to notify the collection agency to put a hold on this. Can you help
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email from PayPal credit letting me know that the dispute filed mid-JXXXX XXXX was resolved on XX/XX/XXXX. And they asked me to take a satisfaction survey. 

In a letter from Synchrony Bank on XX/XX/XXXX the disputed amount of {$8700.00} will post a provision credit on my credit card and interest charges were going to be adjusted. 

On XX/XX/XXXX I received a letter from Synchrony Bank XXXX Customer Service XXXX ) regarding the dispute with XXXX. I answered their questions and provided documentation to support my claim. They informed me that they will investigate billing dispute and respond promptly. 

On XX/XX/XXXX I received another letter from Synchrony Bank saying they want to help me resolve the opened dispute claim. I received instructions to open a claim for the disputed amount. 

On XX/XX/XXXX I received a letter from Synchrony Bank saying they have concluded the research on my account and found it in my favor. The disputed amount of {$8700.00} will be show a credit on my account. 

It is now XX/XX/XXXX and NO CREDIT or REFUND was ever posted to my PayPal MasteXXXX Card with Synchrony Bank. When I call asking about it, I get transferred from Customer Service to Disputes to Fraud to Recovery and then back to Customer Service. I wasted over 25 hours on this issue. The consolation is that it's resolved in my favor. I just haven't seen the credit against my account. I would also accept a refund check if they choose this method. 

Synchrony Bank has all the documents necessary. 

I would prefer to see the refund applied to my current balance in PayPal Master Card. 
I can't wait any longer.
Product: Credit card or prepaid card

I used my citi credit card to purchase an XXXX XXXX egift card from XXXX, but they emailed me an obvious invalid gift card. 

I tried to contact XXXX but got nothing fixed. Then I disputed the charge with Citi bank, but I got the answer from citi bank very disappointed. They only collect the proof from the merchant which I did make the purchase myself, but didn't investigate if the gift card they emailed me valid or not. They finally charged me for this transaction. I got charged {$610.00} for an invalid, fraudulent gift card, not even one penny in it! This really drove me crazy!!!