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

Hello I saw your response on CFPB and you did not delete everything : Do NOT mark this case as duplicate as this is not! You failed to remove information and I need it removed per FCRA Section 611 you must permanently delete everything that is identity theft. 

I read your response and it is inaccurate. I still see XXXX XXXX / XXXX / XXXX credit cards ( XXXX listed as other ending in XXXX ) on my account and I still see XXXX XXXX XXXX  XXXX or XXXX credit card ( ending in XXXX ) reporting on my account and I still see XXXX XXXX / XXXX / XXXX hard inquiries reporting on my account and I still see XXXX wrong addresses ( XXXX Emergent and XXXX Gamma ) reporting on my account. These are all fraudulent due to identity theft and Must be deleted immediately! 

You also keep adding these items back and these are fraudulent identity theft and this needs to stop. 

Per FCRA Section 611 you must delete these items permanently immediately as they are identity theft fraud. 

I also can not access my credit report or score though I can log in. I get this error : Please give us a call and give this code to the XXXX : BLNK Your Equifax credit report and score are not available at this time due to a technical error. Please call XXXX XXXX at XXXX ( XXXX ). Our call center hours are : XXXX AM to XXXX PM ( ET ), Monday through Friday, and XXXX AM to XXXX PM ( ET ) Saturday and Sunday. 

None of your agents help me to access it and I called several times. You must fix this immediately and I am a paying customer. 

Again I will repeat : You are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. However the hear fraudulent inquiries and credit cards were added back to my credit reports fraudulently. These credit cards and hard inqiruies need to be removed immediately! Credit cards to be deleted : All of XXXX XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXXXXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. Inquiries to be deleted : All of XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Bank, Bank XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXXXXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end. Again this is identity theft and by law you are required to delete all of them and required to reach out to the banks and companies to delete them and required to reach out to all other primary and secondary credit bureaus to delete them. This must happen immediately. Please do not add these items back again!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX XXXX Credit Card Account and Card currently listed on my XXXX and Equifax credit report is lost/stolen : XXXX. My XXXX XXXX XXXX Credit Card is lost/stolen. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX
Product: Credit reporting or other personal consumer reports

I have identified several discrepancies in how the following accounts are being reported on my credit report across multiple credit bureaus. These discrepancies violate fair credit reporting practices as outlined by the Fair Credit Reporting Act ( FCRA ), and I request an immediate investigation and correction of these issues. 

For XXXX XXXX XXXX XXXX XXXX XXXX Credit Card ) : There was no notice of dispute, violating FCRA Section 623 ( a ) ( 3 ), which requires a notice of dispute to be communicated when an account is disputed by the consumer.

The payment history is inconsistent across the three credit bureaus, violating FCRA Section 607 ( b ), which mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information reported.

The account has been re-aged, with inconsistent late payment dates across Experian, XXXX, and XXXX, violating FCRA Section 605 ( c ), which sets limits on the re-aging of accounts and the time frame in which negative information can be reported. 
For XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ) : The account has been re-aged, violating FCRA Section 605 ( c ), which restricts the re-aging of accounts.

There are inconsistencies in the payment history across the credit bureaus, violating FCRA Section 607 ( b ).

The credit limit and high credit amounts reported vary across Experian, XXXX, and XXXX, also violating FCRA Section 607 ( b ) regarding accuracy of information. 
For XXXX XXXX XXXX XXXX XXXX XXXX : There was no notice of dispute for XXXX and Experian, in violation of FCRA Section 623 ( a ) ( 3 ). 
I request that the CFPB investigate these reporting discrepancies and work with the credit bureaus and furnishers to correct the inaccuracies. I also ask for re-investigation of the accounts, proper notification of disputes to all three credit bureaus, and an update of the payment history, credit limit, and high credit balance to accurately reflect my account history. 

Please find attached copies of my credit reports from Experian, XXXX, and XXXX highlighting the discrepancies, as well as any correspondence related to disputes Ive filed directly with the credit bureaus and creditors.
Product: Credit card or prepaid card

On XX/XX/XXXX I noticed a {$57.00} charge on my Amex Gold Card bill labeled as an interest charge for Pay Over Time Purchases. Since I have not created a Pay Over Time purchase plan since the year XXXX ( and that plan was long since paid in full ), I knew this was a mistake, so I called customer service to dispute the charge. 

It turns out that, in XX/XX/XXXX, Amex automatically enrolled all Gold ( and Green and Platinum ) cardholders in the POT  program. The customer service rep told me that they had activated our POT  and set it for " all eligible purchases over {$0.00}. '' She said Amex must have sent us an email notification of the change ; if they did, we did not receive it or see it. 

Digging deeper, I found that my account has actually been charged {$780.00} in POT interest charges since XX/XX/XXXX, for POT charges I was unaware of. 

We have always intended to pay our account balance in full each month, and thought we were. This is why we have Amex, to avoid the high interest rates of other credit cards. Yes, there is always a discrepancy in the current statement balance and the total statement balancewhat is owed on the current statement vs that balance + the most recent charges. I did not realize that POT charges were accruing in that total balance bucket. There is not one single tab or button or link anywhere on my account manager dashboard that points to Pay Over Time charges or settings. The words Pay Over Time exist nowhere in the dashboard, not even in the Payments section. 

Today ( XXXX XXXX, XXXX ) when I became aware of the issue, I entered Pay Over Time into the search bar on Amex 's site via my dashboard and finally got a link to Manage My POT Settings. I clicked this, and got an error screen : " Pay Over Time is currently not available. '' There is no option to see anything to do with POT charges on my account nor to deactivate it or to manage any settings whatsoever. 

I requested a full refund from Amex. The customer service agent refunded the last two charges over 60 days and deactivated POT on our account. She said they would open an investigation to review the account and see about refunding the charges, however i am skeptical I will hear anything. I want this to be on the record. I want Amex to be accountable for what is obviously an opaque and misleading billing practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 credit bureaus to remove erroneous 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 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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 n accordance with the Fair Credit Reporting act 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, credit repair services, or other personal consumer reports

I started a dispute with Experian stating that the contract was canceled with this company and there is no longer a contract due to the item being charged off and written off. The results were " item has been updated '' with no explanation to what was updated from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Company emailed me notice that they do not intend to investigate because they do not believe I authorized the inquiry 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. The information and Accounts listed below have violated my rights. 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. Consumer must get three disclosures before personal information is disclosed to a non affiliated third party 1. Names disputes- XXXX XXXX ( Name ID : XXXX XXXXXXXX ) - XXXX XXXX XXXX ( Name ID XXXX XXXX XXXXXXXX ) - XXXX XXXX ( Name ID : XXXX XXXXXXXX ) - XXXX XXXX XXXX ( Name ID : XXXX XXXXXXXX ) - XXXX XXXXXXXX ( Name ID : XXXX XXXXXXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) XXXX. Address Disputes- Address ID # XXXX - Address ID # XXXX Single family - Address ID # XXXX Single family - Address ID XXXX XXXX Multifamily - Address ID # XXXX Multifamily - Address ID XXXX XXXXXXXX Apartment complex - Address ID XXXX XXXX Multifamily - Address ID XXXX XXXXXXXX Apartment complex - Address ID XXXX XXXXXXXX Employer Dispute : XXXX. Current Employer - XXXX XXXX XXXX Account Dispute - Account XXXXXXXX XXXX XXXXXXXX : Incorrect Request immediate deletion - Account XXXX XXXX XXXX XXXX XXXX  15USC6801 request immediate deletion - Account : XXXX XXXX XXXX Request immediate deletion - Account XXXX XXXX XXXX XXXX XXXX :. Resolved account request immediate deletion - Account XXXXXXXX XXXX XXXX XXXX XXXX request immediate deletion - Account XXXX : XXXXXXXX XXXX  Request immediate deletion - Account XXXXXXXX XXXX XXXX XXXX request immediate deletion - Account XXXX XXXX XXXX  : request immediate deletion - Account : XXXXXXXX XXXX XXXX  NO CONTRACT request immediate deletion - Account XXXXXXXX XXXX incorrect balance and status : request immediate deletion - Account XXXXXXXX XXXX XXXX VIOLATION : request immediate deletion - Account XXXXXXXX XXXX XXXX  : request immediate deletion
Product: Debt collection

FRANKLIN COLLECTION never mail a collection letter. Also, the company place a collection trade mark to all my credit reports. Refuse to validate the trademark.

FRANKLIN COLLECTION SV Original creditor : XXXX XXXX Amount : {$180.00}
Product: Credit card or prepaid card

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX  XXXX balance {$340.00} account # XXXX 30 days in XX/XX/2021, and 60 days in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian reports a fios of XXXX XXXX reports XXXX XXXX reports XXXX All show 17 % credit use All show same balance used credit. 
I have written experian several times no reply.
Product: Credit reporting

I have been disputing specifics on my credit report for months now and they keeps sending the same generic letters back - As a consumer I am entitled to proof of how the specific account was verified and who was spoken to and the documents sent to me directly.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Under the Fair Credit Reporting Act, hard inquiries require consumer authorization, and since I did not consent or provide authorization to report it, these inquiries should be removed immediately. I request that you investigate and delete these inquiries from my report. Please provide written confirmation of the removal as soon as possible.
Product: Credit card or prepaid card

At the end of XXXX I received an upgraded credit card from Synchrony Bank Care Credit. They said they were upgrading me from the store card to the master card. The mailing did not clearly state that it would be a fully new account that would damage my credit score. 

I activated the card in the last couple of days of XXXX. Yet the account listing on my credit report says it was opened XX/XX/2019, this means that care credit and synchrony Bank fraudulently opened an account in my name. 

On XX/XX/XXXX I logged into my synchrony Bank Care credit account and was discovered that I had two open accounts listed with two different credit limits. The original synchrony bank care credit store card with a limit of {$12000.00} and the master card version with a {$7000.00} limit. 

On XX/XX/2019 I used the synchrony bank website customer service chat to ask about the accounts ( note I am still waiting for a transcript of this chat ). The agent told me that they could close the master card account, that I never agreed to opening, and my original store card would remain open and unchanged. I confirmed multiple times that my original account would remain open. 

On XX/XX/2019 I logged into my account and discovered that it had both accounts listed as closed. I again used the chat feature and the agents told me that my original account was automatically closed because I activated the master card. I explained that I spoke to an agent on XX/XX/2019 and they assured me the account would remain open. The new agent said that they couldn't have kept the account open. So I requested the original account be reopened in accordance to the assurance I was given by the agent on XX/XX/2019. The agent said it was not possible and transfered me to a supervisor who also refused to help me. They would not give me contact information for anyone higher than themself, simply gave a general mailing address and fax number for customer correspondence. 

I have tried to fax and email customer service multiple times and they keep saying they will not honor the assurance from the customer service agent on XX/XX/2019 that my account will remain open. They will not reopen my account. They will not let me contact anyone higher than a customer service representative.
Product: Credit card

In the past month, XXXX store credit cards I have that are with Synchrony Bank are now charging $ XXXX for paper statements and will continue to do so if I do not accept electronic statements. This is an incredibly unfair practice for those who do not have regular access or, in some cases, no access at all to electronic options. I have cancelled all store credit cards that are with Synchrony Bank, but I am especially concerned about the elderly and XXXX who often have no email address and have no idea how to use the internet. This practice by Synchrony preys on the most vulnerable who are the least able to afford any additional dollars. I also wonder about the parts of our country that have no internet access. Are they not also prey? 

Are the no laws in place to protect our most vulnerable citizens?
Product: Money transfer, virtual currency, or money service

XXXX $ is being frozen and kept from me in XXXX  They froze my account very unfairly and arent being responsive. That company has made thousands in fees from me yet still arent willing to help. I havent done any bad or illegal behavior on the account, Ive only sold and withdrawn crypto, paid friends, and paid their excessive fees. I really need help with this, I need to pay my credit card etc.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XX/XX/year> XXXX LVNV FUNDING LLC XXXX, SC XXXX Subject : Request for Immediate Removal of Unverified Account from My Credit Report Dear Sir/Madam, I am writing to demand the immediate removal of an unverified account from my credit report. According to my recent review of my credit file, there is a negative entry related to an account that I have no knowledge of, and I believe this is in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

This account, listed under [ Account Number ], is erroneous and should not appear on my credit report for the following reasons : Lack of Verification : I have not been provided any substantial evidence or documentation to verify this account or its accuracy. The creditor or entity that reported the account has failed to substantiate its legitimacy when requested.

No Knowledge of the Account : I have no knowledge of this account, nor have I ever authorized the creation or use of such an account. I dispute the existence of any contractual relationship associated with this entry. As such, the report of this account is false, misleading, and has caused undue harm to my financial standing.

Under the FCRA, you are required to investigate and correct or remove any unverifiable information on my credit report within 30 days of receiving my dispute. Since this account is unverified, I expect its immediate removal from my report, or I will be forced to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal recourse.

Please send me written confirmation within 15 business days that this account has been removed from my credit file. Failure to comply with this request will not be tolerated, and I will pursue all available legal avenues to address this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been sending letters to inmates for about 10 years, I also send some  XXXX   XXXX  Orders. I recently sent a money order to a inmate and was informed that she was not allowed to cash it. Supposedly all funds must go through a company called JPay, this company apparently has the authority to punish offenders and their families by charging very high fees for many things that used to be free, like sending money orders to inmates, it still is at some institutions. In this case I have no idea where my money order is. I have sent several emails to JPay requesting information about the money order, they just do n't reply, I have also emailed the Department of Corrections of that state with no results. To me this is the same as stealing, JPay, Department  of Corrections,  the prison itself has no hold on the money. So how do I find out where my money is and get it returned?    XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ordered a copy of my credit report and the bad score that I had thought was due to not having I established credit I found out was due to Numerous things on my credit report that was not me. There are six visits to the emergency room in Georgia on my report I have not been to the emergency room since I lived in Kentucky in 2009 I had a baby thats the last visit Ive ever had to the emergency room. Also there is something on there from XXXX cable I have never had cable from XXXX the last time I had cable television was in XXXX Ohio!!! Im in the midst of trying to make a police report and get this handled.
Product: Credit reporting or other personal consumer reports

I previously had an automobile loan with XXXX XXXX. Due to issues with the final payment of the vehicle, there wasnt an accurate late payment that was submitted to all three credit bureaus. previously had an automobile loan with XXXX XXXX due to issues with the final payment of the loan. As a result of the CFPB complaint XXXX agreed to remove any late payments from the credit bureaus. Upon reviewing my credit on XX/XX/year> with Transunion I noticed Transunion was the only creditor to not remove this late payment. I submitted another dispute through Transunion. On XX/XX/year> I received an email from Transunion stating the information was correct, Transunion not on ; y changed the payment status from being 30 days past due the status of the account was changed to 60 days past due. This was not apart of the agreement that was submitted to CFPB. I want my credit report to have the late payment status removed per my agreement with XXXX. This is a demand prior to seeking civil penalties as the late payment was due to be removed by XXXX and Transunion over a year ago and still has not been completed.
Product: Credit reporting or other personal consumer reports

I originally disputed this account XXXX XXXX XXXX XXXX back in XX/XX/2023 via FCRA for an inaccurate information And After my 1st dispute it was still active and never removed from my report up until my second time filing, a complaint, The 3 consumer agencies, did not do there job thoroughly AND that is a violation XXXX, XXXX Equifax, violated my federally protected consumer rights to privecy and confidentiality under 15 USC 1681 * 15 U.S.C 1681 section 602 A. States I have the right to privacy. * 15 U.S.C 1681 Section 604 A It also states a consumer reporting agency can not furnish a account without my written instructions Plus More violations listed below *15 U.S.C 1681 ( O ) *15 U.S.C 1681 ( i ) *15 U.S.C 1681 ( e ) ( b ) 15 U.S. Code 1692 ( f ) 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( e )
Product: Debt collection

I underwent a medical procedure and was told my responsibility was {$1800.00} unless there were complications. I paid {$1800.00} the morning of the procedure and there were no complications. Several weeks later I received an exorbitant bill for additional fees and I immediately sent an email disputing the bill. I never heard back from them via email. I also called and recorded the call, where someone assured me they would investigate and get back to me. They never did. Instead, I received a notice from this collection agency. This hospital is predatory in its pricing and collection practices and I do not owe them another penny.