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

Account status reporting as closed whith payment status of paid as agreed by XXXX XXXX, XXXX reports current while XXXX is reporting charge off the date last report it is in accurate XXXX XXXX and XXXX reporting as XX/XX/XXXX while XXXX reports XX/XX/XXXX. Date last active reports at XX/XX/XXXX by both XXXX  and XXXX XXXX while XXXX is reporting XX/XX/XXXX. 
payment history is reporting consecutive charge off by XXXX there is no way that all three accounts can be right if information is coming from the same furniture data for that reason I demand that you delete immediately as account on credit report is reporting incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX XXXX XXXX, XXXX, PA XXXX In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXXXXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX 2022
Product: Debt collection

CONVERGENT OUTSOURCING is falsely reporting on my credit with a Balance of XXXX and Account number XXXX. CONVERGENT OUTSOURCING is a debt collector. They committed identity theft on me. This account is falsely reporting and violating my rights and the fair credit reporting act. Pursuing to 15 U.S. Code 1681d- Disclosure of Investigative Consumer Violation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( XXXX ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in writing and mailed, or otherwise delivered, to the consumer, not later than XXXX days after the date on which the report was first requested. Pursuing to 15 U.S.C 1681 section 602 A. States I have the right to privacy. I request to be provided proof of this alleged debt, specifically the original contract and instrument bearing my signature with CONVERGENT OUTSOURCING. Failure to show results on this alleged debt should be deleted from my credit report as soon as possible. Under federal law, you have XXXX  days for a reinvestigation. I will also be seeking monetary relief per violation for : XXXX. Defamation of character XXXX. Negligent Enablement of Identity Fraud XXXX. Violations of 15 U.S.C 1692g. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX  1995 ), you may be liable for your XXXX non-compliance. I respectfully request that your office provides me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ), this action might constitute fraud under both federal and state laws.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED 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, 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

I was a cosigner on a Mattress Firm Credit Card via Synchrony Bank. My ex spouse did not pay the card. It was charged off. However, in XX/XX/year> the debt was cancelled and a XXXX was issued to my ex spouse. I have tried to contact synchrony bank and mattress firm to reflect this on my credit. They are still reporting I owe {$5000.00} and that its charged off. The account is no longer charged off and the debt is cancelled. They also are reporting inaccurate information in terms of payment. When covid occurred we were on a plan because we could not pay.
Product: Credit card or prepaid card

On XXXX, I was approved for an American Express Gold Card Membership with a promised : 1 )  XXXX Membership Rewards Points for {$2000.00} spend in the first three months 2 ) 20 % cashback as a statement credit on all restaurant purchases up to {$100.00} in the first three months. As of XXXX, I was notified by one customer service agent that I was not eligible for the sign up bonus. This information was never communicated to me either through email, the American Express portal, or though certified mail. This was escalated to a supervisor who indicated that the XXXX Membership Rewards points bonus would supposedly hit two to four weeks after XXXX ( when the spend threshold was hit ) and the {$100.00} statement credit would post in 8-12 weeks. Then they notified me that the bonus was rescinded because a late payment from XX/XX/XXXX. This issue was already previously rectified with another agent, where I had set up an Automatic Payment in the system, but failed to realize it wouldnt fire off until XXXX. Upon discovery of the issue on XX/XX/XXXX, I immediately made the payment in full to rectify the issue, so the issue was considered a misunderstanding/miscommunication and closed. I was told that there would be a follow up in 2-3 weeks. CASE # XXXX XXXX After not hearing back from 2-3 weeks, on XXXX conversation with American Express front end customer service. Verified that spend requirements were met and bonus should be on account. Back end needs to follow up and verify bonus to be applied to account XXXX XXXX # XXXX Called XXXX into the rewards and customer service department. At first, they claimed there was no record, then they claimed the closed the investigation. No resolution was communicated and nothing was added to my account.
Product: Checking or savings account

I attempted a transfer from my checking account, by scheduling it for XX/XX/2019 in advance. Over a week later, I noticed the transfer had not occurred and there was no record of my transfer when I logged into my account. I tried submitting a new transfer, but the system would not let me schedule any transfer that would cause my account to drop below a balance of {$5000.00}. Upon reaching out to the bank, I was told there was a hold on these funds, which I had deposited at account opening over TWO MONTHS earlier, and that there was no expiration date for the hold on the funds. The agent did not attempt to solve the problem. 

It is completely inappropriate, against policy, and possibly illegal for the bank to have an indefinite hold on over {$5000.00} of money in my checking account. According to the bank 's Regulatory CC Disclosure, these funds should be available for withdrawal/transfer by the second business day.
Product: Money transfer, virtual currency, or money service

On XX/XX/, I fell victim to an internet fraud scheme whereby I was duped into wiring a large sum of money ( {$54000.00} ) from my XXXX XXXX XXXX XXXX XXXX checking account to what turned out to be a fraudulent account at Bank of America ( see attached IC3 report ). Luckily, our local XXXX, CA BofA branch was able to intercept and freeze that account while my funds were still there. After filing police and IC3.gov reports, I was told that BofA should soon return the funds to my credit union. After waiting nearly two months, I was informed by my local BofA branch that a Hold Harmless agreement was being requested by BofA to my credit union but BofA never actually reached out to my credit union directly. After another two weeks, through the help of the XXXX XXXX XXXX XXXX XXXX XXXX, an FBI investigator got involved and was finally able to get the XXXX and BofA fraud depts to work together to get the Hold Harmless agreement from XXXX to BofA. However, it has been almost 3 weeks since the BofA investigator has returned the FBI investigators calls to verify that the Hold Harmless issue is unblocked and that the return of the funds is in progress. I was even given a case number by my local BofA branch but when I call the BofA Wire Dept, they admonish me for even having this case number and tell me that they will not give me any information. At this point ( soon to be 4 months since the ordeal started ), I have no idea when or if my money will be returned. I feel like I've been victimized twice : first by the original perpetrators and now by BofA. They have no right to hold onto my money. If I could just get some indication that the process for returning the money is unblock, and maybe an estimated timeline, I would could relax and wait. The stress of this ordeal is starting to effect my health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a security freeze with Experian some years ago. 

When I tried to remove the freeze I ran into brick walls online and on the phone. 

There appears to be no way for me to contact Experian and fix this issue.
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute an account that I believe is inaccurately reported in my name and should be removed from my credit file. The account in question is listed as [ IC SYSTEMS INC, in the amount of {$930.00}. And I have reason to believe it does not belong to me. 

I have reviewed my records thoroughly, and I do not recognize or have any association with the account. I have also taken steps to contact the creditor in question to dispute this, but the issue has not been resolved. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) assist in investigating this matter and ensure that this account is removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report under 'regular inquiries ' via ( Trans union, XXXX and XXXX ) there is an inquiry showing the company XXXX XXXX with the date : X/XX/2017. This inquiry is fraudulent and I would like this inquiry removed from all credit reporting agencies.
Product: Credit card

On XX/XX/year> a Kohl 's charge card was taken out in my name I had no knowledge of this at all, A credit limit of XXXX dollars was given to the person who opened the card up in my name. So because of this I have a past dew amount of XXXX dollars. I have been to dispute this account and I have had no luck with it. My credit report is extremely messed up because of this and I would like to have it removed from my credit report as soon as possible
Product: Debt collection

I have disputed this collection account for over a year via email, telephone, mail, credit karma and credit breaus. I have no knowledge of this account/debt, this debt is not mine. This is fraudulent.
Product: Credit card

I received a credit card from XXXX XXXX. They sent the card and after I used it, they said they have to close the account because I made a large purchase. The card does NOT have a credit limit so its not like I went over my credit limit. Also, I paid the full balance in full. They are saying that since I ca n't produce tax returns and I made such a large purchase, I have to close the account. However, when I applied for the card, I told them that I just started working in XXXX XXXX. This means that my first tax return would not be produced until XXXX of this year ( XXXX ). I do not think it is fair for me to have a recently opened account being closed on my credit and causing my score to go down. I am prepared to take this complaint as far a I have to in order for justice to be served.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert notice from XXXX XXXX XXXX, an XXXX company. They had received a report from XXXX regarding negative activity on my credit report ( attached ). It states that XXXX XXXX had reported my account with the as " Bad Debt '' and " Placed it for collection. '' On XX/XX/XXXX I received an alert email from XXXX ( attached ) that my FICO rating had changed. My XXXX account details ( attached ) show that my credit score dropped 60 point on the XXXX of XXXX and recommended I contact TransUnion. 

I have contacted all three credit bureaus and filed disputed with XXXX and TransUnion. XXXX referred me to XXXX as the reporting bureau. I will, however, re-attempt to file a dispute / notification with that agency. 

I dispute the negative impact of the " Bad Debt '' classification and the referral to a collection agency, XXXX XXXX, XXXX. I was never informed that such a step was being considered or given an opportunity to payoff my balance with XXXX XXXX, which I would have done. My credit reports ( XXXX XXXX is attached ) document an unblemished 81-month payment history. I also have routinely paid twice the minimum required monthly payment amount. My latest statement is attached, and I can provide two years of statements if needed.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  XXXX || Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX || Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

on XX/XX/2023, I submitted a claim to Bank of America concerning fruad on my debit card. my debit card was used without my authorization or knowledge on several occasions and I proceeded to submit a claim on the phone with Bank of America. I provided all information asked of me and all information that I knew. I recently had to contact the consumer finance protection agency due to Bank of America, disregarding a claim, and in turn ruling against me. After getting representation from the CFPB, Bank of America immediately realized it's fault, and I was provided the money from that claim. This is typical of Bank of America, not doing the research it entails in order to provide their customers with the best service. This is an exact situation like the last, and now I just found out that the dispute was closed and the money withdrawn from my account. I am now in the negative with my rent due, and absolutely no answers to what or why they close the claim. They never reached out to me to provide any other information and just went ahead and closed the claim like they did the last. THIS IS COMPLETELY UNACCEPTABLE. AND NOW I AM HAVING MY LIVELIHOOD PUT OUT ON THE LINE DUE TO BANK OF AMERICA REVERSING THIS CLAIM. I HAVE PROVIDED SCREENSHOTS OF THE DEBITS AND THE CLAIM NUMBER. Please I need someone from Bank of America to re-open this claim and re-search it again as I do not have the means to pay my rent now. I need this credit immediately and I need an actual investigation on the claim and not just somebody passing it by like they did before. Attached are screenshots of the reversed debits on my account in the claim ID number. Please re-open this claim immediately and provide provisional credit as this investigation and ensues!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to answer my letter requesting an investigation into two separate accounts by XXXX XXXX that were opened by some other person. Possibly a relative, but I am not sure. I have asked they produce the original documents containing my signature from XXXX. They have ignored all my requests. I have filed an ID theft report and they ignored that as well. They are willfully violating Federal Law. They must provide the original documentation or remove this. Neither are mine. 
These accounts are : XXXX XXXX XXXX - Closed Account Info XXXX  over labels for more details Account number XXXX AND : XXXX XXXX XXXX - Closed Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2013 Account type Auto Lease
Product: Credit reporting or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) 3 Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I paid my first required payment of {$200.00} for the total ending payment of {$340.00} upfront credit repair services to Asap Credit Repair Services on XX/XX/2023. The company representative XXXX, at that time stated to me that if they could not guarantee complete credit repair services and and an increase in my credit scores, which are now lower than they were before I began paid services to this company that I was reluctant to begin with, that if they could not deliver guaranteed results then I would be eligible for a full refund of all of my monies paid out to them. The company reached out to me after the 90-day time frame that was given to me only to confirm they were not able to deliver the guaranteed results they initially stated and then tried to offer me another round of credit repair instead of my full refund only to stall in paying me back my money. I have submitted several emails to them requesting a full refund of my money. They have not remitted my money back to me!! They have been giving me the runaround and stalling in paying me back for over a week now. I want my money paid back to me immediately!!!
Product: Debt collection

I received a bill from XXXX XXXX a while back in XXXX. I requested an itemized bill because the original bill had no details about what the bill was for. I received no response. Then I got a notice in XX/XX/XXXX stating that they tried multiple times to contact me, which is a lie, and they sent my bill to collections. I just want them to send me an itemized bill with details about what I was being charged for. Medical bills are required to do this, and they are not compliant with basic consumer law. They also lied on the letter about trying to contact me. Now it is in collections. I requested the debt collector to send me the details on the medical bill and they are unable to produce details on what service I received at XXXX XXXX, but still insist on paying them. I just want a bill that has details of what service I received and was being charged for since XXXX and nobody has been able to produce that for me. I am unable to pay the bill with my XXXX XXXX Account with the information that was sent to me, so this is important.
Product: Vehicle loan or lease

Multiple accounts on my credit report contain inaccurate or inconsistent information, violating the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX  XXXX : Inconsistent balances reported ( {$15000.00}, {$14000.00}, {$14000.00} ) across bureaus. 
CAPITAL ONE : Payment status discrepancies ( " Charge-off '' vs. " Paid in full '' ). 
XXXX XXXX : Missing data on XXXX and XXXX while XXXX provides complete data. 
XXXX  : Significant inconsistencies in account type, status, and dates reported across bureaus. 
These inaccuracies have harmed my credit profile. I request immediate deletion of these accounts and resolution within 30 days. All supporting documents are attached for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX  XXXX XXXX Bankruptcy XXXX XXXXXXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX  XXXX XXXX Bankruptcy XXXX XXXX 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

This is shocking and distressing, my credit report has been accessed and improperly used as applications were done in my name and these companies pulled up my credit report without my consent nor authorization. I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.
Product: Debt collection

I have multiple duplicate charges on my credit report as a result Of identity theft from ARS account resolutions. None of these services were rendered. I have never used this company before.
Product: Credit card or prepaid card

According to card member agreement, Amex Business Card suppose to have 4x points on all shipping. However they are in default of this agreement as they continue to not post points for shipping we are making
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered fraudulent accounts that have been incorrectly attributed to my name. These inaccuracies are negatively impacting my credit history and my ability to obtain credit. 

I would greatly appreciate your assistance in removing these fraudulent accounts, and I trust that you will take the necessary steps to resolve this matter as soon as possible. 

Thank you in advance for your prompt attention and resolution.