23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I purchased two items through a website I did not know sold counterfeit items. One item arrived and was not as described. The picture showed a generic pair of sunglasses, when they arrived they had the XXXX XXXX  and were clearly fake ( I paid XXXX dollars for these ) I do not want fake goods and it was not as described and was counterfeit. This is against their policy and should be covered for protection, they continue to fail to protect me giving my money to the scammer. The second part of my order was also placed the same day of XX/XX/XXXX. After the purchase they stated their arrival date was for XX/XX/XXXX, XXXX months later. Well the two months passed and I still did not get the item. At that point their website stated if it did not arrive by the promised date I will get a refund. Well they removed this from my options, I informed them I have since moved and do not want the item since It was my right now to get my refund and also they sold counterfeit items so I do not want anything to do with this! I contacted my credit card on the very day that was past the delivery window. I waited two months which is plenty of time! My credit card company refuses to fix this and protect me, they keep declining my dispute and giving the scammer my money. I have sent a plethora of information. I want their company to be investigated, a customer should be protected. I have done more research and have found that this is not an isolated incident with this company and they were investigated and sued for doing this to other customers. I want them held accountable for this so other people do not have to deal with being scammed and unprotected by a company that does not follow their own rules/ policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported all of these inquiries to the following Credit Reporting Agencies, XXXX Experian and submitted info related to fraud on my account with the illegal use of my Social Security No., and asked that all of the hard inquiries be removed from my credit report, as these are impacting my credit score, and are being illegally reported on my credit report. 

However these Credit reporting bureaus have refused, and completely refused to remove these erroneous inquiries from my report. 

The following inquiries are on my report and these reporting agencies refuse to take them off. 

XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX / XXXX  - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit card or prepaid card

USAA closed my limitless credit card, a discontinued product, for unwilling to pay out rewards that I've earned on the account. There has been no activities on the account that warrants such closure other than the fact that I've accumulated rewards and they don't want to pay out. When contacted by phone and chat, USAA agents simply claimed they don't know why the account was closed it just was, perfect excuse to not pay out rewards due. If they want to discontinue an unprofitable product I am fine with USAA switching my credit card to another product, but not outright close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After noticing that my deferred payments, during the multiple times that I was diagnosed with XXXX, were being reported as past due, I contacted Ford Motor Credit Co in order to have the incorrect information corrected. I contacted their customer service in XXXX, 2022, XX/XX/2022 and XXXX 2022, and I explained that I was granted deferrals during the times listed as being late. They indicated that they are reporting everything properly on their end and that I would have to submit a dispute to the credit bureaus in order to update the reporting on all 3 credit bureaus. The customer service rep further explained that no matter what I do, she rarely sees any success when disputing credit reporting information but also confirmed that she saw my deferrals in the system. I submitted MULTIPLE disputes via XXXX, XXXX and XXXX without any success. It is imperative that this information is corrected due to the fact that I am applying for a commercial real estate loan and these payments will hinder my ability to qualify for the business loan.
Product: Debt collection

This is a complaint from XXXX XXXX against ERC for ERCs failure to provide requested information for the debt alleged. On XX/XX/2018, Consumer, XXXX, received a demand letter from creditor, ERC, to which consumer ( through legal counsel ) responded on XX/XX/2018 with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s )  of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/2018, ERC responded with only statements from the original account. Another letter was sent on XX/XX/18, again asking for proper documentation to show ownership of the account by ERC, a third party collector. It has now been over 3 months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt XXXX to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, I applied for Covid Forbearance- I'm XXXX, and a Landlord to Tenants That were oit able to pay rent- BUT I NEVER USED THE FORBEARANCE- all Payments On XXXX XXXX XXXX ADDED {$49.00}, XXXX to my Loan Balance MY CREDIT SCORE DROPPED XXXX POINTS!!! I BORROWD NO MORE MONEY On XX/XX/XXXX I was able to get through to XXXX XXXX XXXX XXXX and Report the error- The Clerk on the phone saw it, said " XXXX '' and Escalated the complaint For te Next Week XXXX XXXX denied the error was made On XX/XX/XXXX, I spoke to a Representative in the COVID Response Team that said " Oh Disd yiu not get the memo, a system error added balances to many COVID Relief Customer in error '' She directed me to the credit report where -- On XX/XX/XXXX XXXX off my loan balance... 

Two things ; If you Notice, there is a Difference of {$320.00} From what they added to my Loan Balance an whst was Credited Back AND MY DECIMATEDCREDIT SCORE, AFTER A MONTH is Unchanged!!! 

I've Sent Freedom Mortgage XXXX Email requests, through their Client Portal, ti correct their errors, no response! 

Please Help! 



PS. Oh and, todsy, I notice on the XXXX XXXX XXXX XXXX is reporting my Mortgage Balance has increased {$400.00} AND that my payment status has changed w a Derogatory for late payment history- I HAVE NEVER MISSED A MORTGAGE PAYMENT! ( XXXX, at one point there was an escrow discrepancy, that Freedom Mortgage recorded as a missed payment, I was Told that was corrected-, zt the time APPARENTLY NOT
Product: Checking or savings account

This is a reopening of the NBT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY Phone : XXXX. They did not answer the question, I believe they are scamming me. {$2100.00} ( XXXX XXXX XXXX XXXX and XXXXXXXX dollars ) is missing from my account. I felt harassed when I made transactions on XX/XX/2023 due to strange door noises, no pens at desk, felt they were going to scam me. After I made the transactions, I went XXXX minutes later to another NBT Branch to get a printout. The printout said I made a {$1800.00} ( XXXX XXXX XXXX XXXX dollars ) withdrawal and {$2100.00} ( XXXX XXXX XXXX XXXX and XXXX dollars ) deposit. On XX/XX/2023, It says that around {$2200.00} was on hold. NBT said on the phone the XX/XX/2023 on hold is impossible even though I have a NBT printout. The {$2100.00} ( XXXX XXXX XXXX XXXX XXXX dollars ) is missing from my bank statement. I believe NBT Bank XXXX XXXX is stealing from me using some sort of advanced scamming method. The deposit does not appear on my monthly NBT statement. They stated that the bank teller of XX/XX/2023 left my account open and deposited someone else 's check but I received no evidence. I believe this is their scamming technology. I am a pre-senior and do not recall that day much, but remember I felt uncomfortable enough at the NBT XXXX XXXX to go to another NBT Branch later that day to get a printout of transactions. I have never done that before. I am trying to find the deposit slip, but I may have discarded it. I am a mixed race female.
Product: Credit reporting or other personal consumer reports

Im so confused and desperate right now. Ive always checked my credit report regularly, but this morning, I saw inaccurate accounts appear out of nowhere, and I have no idea why. I thought maybe it was just a browser glitch, so I kept refreshing, hoping the issue would disappear. But the accounts are still there, and I feel powerless to fix this on my own. I dont understand what happened or why, but Im begging you to carefully review the documents Ive provided to make this right.
Product: Credit reporting

Hello, My compliant is with the TransUnion Credit Reporting Agency. I have disputed many times and IRS sent a IRS Tax Lien Withdrawal Notification to all XXXX credit reporting agency to remove a federal tax lien dated XXXX/XXXX/2010. Please I need your help to make TransUnion comply with federal regulations. Also, TransUnion should be investigated because they seem to understand that the 10 years a tax lien reporting requirement is from the date the tax lien is paid, which is incorrect. The 10 years a tax lien may report on a consumers credit bureau is 10 years from date filed. This is undoubtedly affecting millions of consumers who do n't understand the Fair Credit Reporting Act. Thank you, XXXX
Product: Debt collection

Ive written letters to inform this collection company that this debt does not belong to me
Product: Checking or savings account

I saw a debit transaction for a strange amount of {$110.00} at an ATM in a city I have not visited recently. I have not leant my card out or given my pin to anyone so Im not sure how it happened. Citibank has denied my claim saying they can not reimburse me since the card was not lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX : {$230000.00}
Product: Credit card or prepaid card

I opened a dispute for XXXX $ in XXXX. for two months the dispute team did nothing. finally they gave a temporary credit and contacted the merchant. today I received a letter stating merchant has responded and the charge is valid. XXXX provided no documentation to support their decision. There is no way to contact the dispute team or reopen the dispute. the letter do not say how I can re-open or challenge the dispute. 

I called customer service and they said they can not help me with the dispute, that I need to respond to them directly. how will I respond to them, if I can not contact the dispute team.
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. 
Account name # 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  15 USC 1681 states I have the rights to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than seven years.

15 USC. 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 incorrect.

Below I have attached the documents from my credit report circling inaccurate and incomplete information on my credit report for a long period of time. Moving forward I would like this Information to be deleted or removed from my credit report.
Product: Credit reporting or other personal consumer reports

Ive tried contacting this company several times through mail and CFPB and nothing gets rectified. They say theyve done a full investigation and just put updated Incorrect numbers On my credit report
Product: Credit card

I am filing this complaint regarding fraudulent activity, unauthorized account changes, and unfair account closure by Synchrony Bank. Despite repeated attempts to resolve this issue with Synchronys customer service, I have not received a satisfactory resolution. 
Background of the Issue : 1.Unauthorized Name Change : In XX/XX/XXXX, Synchrony Bank changed the last name on my PayPal Credit account without my knowledge or consent. I became aware of this only when I received an email on XX/XX/XXXX, addressed to a name I have never usedKimberly Cisdon. 
2.Lack of Proper Security Measures : When I contacted Synchrony, I was told the name change was made via a phone call. However, your representatives confirmed that a legal name change typically requires official documentation ( e.g., marriage certificate or court order ) which was never provided. 
3.Fraudulent Payment Attempt : In XX/XX/XXXX, an unauthorized payment was attempted from my bank account under the fraudulent name XXXX. Fortunately, my bank blocked the transaction due to a name mismatch. 
4.Repeated Customer Service Failures : In XX/XX/XXXX, I was assured the matter was under investigation and that : My payment methods would be removed. 
No new charges could be made. 
A new card number would be issued. 
However, none of these actions were taken despite my multiple follow-ups. 
In XX/XX/XXXX, I requested an update via email and never received a response. 
5. Unjust Account Closure : On XX/XX/XXXX, I received a letter stating that my account was closed due to too many dishonored payments. 
This is completely unfounded because : I made all my payments on time using a debit card. 
The only dishonored payments were : 1. The XX/XX/XXXX fraudulent attempt under the name XXXX, which my bank blocked. 
2. A XX/XX/XXXX transaction XXXX XXXX XXXX XXXX XXXX XXXX that attempted to pull funds from a removed bank account, which I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the persistent and unresolved issues I have encountered while attempting to remove fraudulent items from my credit report. Despite many multiple attempts to rectify this situation, the fraudulent information continues to negatively impact my creditworthiness. 

I have diligently followed the dispute resolution process outlined by your agency, submitting detailed explanations and supporting documentation regarding the fraudulent items in question. Unfortunately, these efforts have not yielded the desired results. The fraudulent information remains on my credit report, causing undue harm to my financial standing. 

I have attached copies of my previous dispute submissions, along with the supporting documentation, for your reference. It is disheartening to note that, despite my compliance with the established procedures, the fraudulent items persist. 

I kindly request an immediate and thorough investigation into this matter. I expect your agency to take prompt action to rectify the inaccuracies on my credit report and to provide me with a written explanation of the steps taken to resolve this issue. 

Furthermore, I urge your agency to implement measures to prevent the recurrence of such issues and to ensure a more efficient and effective dispute resolution process for consumers. 

If this matter is not addressed promptly and to my satisfaction, I am prepared to escalate my complaint to relevant regulatory authorities, including the Consumer Financial Protection Bureau. I believe in the importance of a fair and accurate credit reporting system, and I trust that your agency shares this commitment. I am asking for your assistance to remove the following fraud items in my credit file : 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 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: Credit reporting, credit repair services, or other personal consumer reports

I read the report u sent me in response to my last complaint. U stated there is no problem with my credit reports and it states I made my payments on time however I have not or at least I dont see that u corrected the issue of the payment history in XX/XX/2018 which has a red box indicating negative. There is nothing negative about my payment history as I made all payments monthly and never late. So, on the one credit report, ( I dont recall which one at this time, but I suspect it is on XXXX, however please double check all three credit agencies to verify which one still has the red box in my payment history. ) please correct to represent the facts!

Also, one of the credit reports I received states derogatory in payment history which is also false. Absolutely no where on any of my credit reports should show that I am derogatory or delinquent or negative! The only thing that showed be on my reports r the true facts which clearly if I make all payments my payment history should never show anything but paid as agreed! 

U must remove all negative, derogatory and or delinquent comments, statements and or marks from all three credit agencies on my reports to represent my history with XXXX XXXX mortgage company. My mortgage company should never report anything except bankruptcy since they insist on doing so despite the fact that I did and still do make the payments all on time since day 1 ( one )! There should be no representation of anything negative except the fact I filed bankruptcy. Bankruptcy does not mean I didnt pay my mortgage, it simply was the wrong action I was manipulated into filing for judgment liens not on any credit card or mortgage at the current time. 

Must remove everything negative from XXXX XXXX and my payment history as it was and still is on time every month! 

Just because it states payments were on time doesnt change the negative, derogatory and or delinquent statements or comments in my reports. Please correct to represent the facts that I did make all payments on time.
Product: Checking or savings account

My Citibank savings account package was changed without my consent, resulting in a monthly service fee which clued me to this incident. 

( 1 ) I have been a customer of Citibank for over a decade, and have always maintained a " Basic Banking '' account package, which charges no fees if the joint accounts have {$1500.00}. 

( 2 ) On XX/XX/2019, I was charged for the first time a {$25.00} monthly service fee to my savings account when my account balance was over {$1500.00}. 

( 3 ) On XX/XX/2019, I contacted two Citibank representatives through the Live Chat system to inquire about this fee. I was told by both of them that I was charged because I had a " Citibank Account '' package, which charges the monthly fee if there is < {$10000.00} in the joint accounts. Neither Citibank representative was able to tell me when the change was made to my account. However, they refunded the monthly service fee and changed my account back to its original, intended " Basic Banking '' package. 

( 4 ) In conclusion, this change in my account was done without my consent. I have always chosen the " Basic Banking '' package, and did not request for a different package. I was told that this could have been an automatic change accidentally by " the system. '' I am highly concerned that this is not an isolated accident, but rather, the tip of the iceberg of account fraud, similar to what was revealed at XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage payment is showing nearly {$4000.00} more than what I owe. I contacted the credit reporting agency and my mortgage company to ask what happen. My mortgage company stated the amount on their website is showing the correct amount and the Experian is in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 XXXX XXXX XXXX  via XXXX XXXX requested my information from all three credit bureaus. Once I disputed the inquiry only two credit bureaus deleted the inquiry from my credit except TransUnion Credit Bureau. I have submitted multiple letters along with my identification to verify my identity with no avail. Although I have a fraud alert on my credit file with all three bureaus, TransUnion will not comply with my right as a consumer according to the Fair Credit Reporting Act and fraud victim rights under the Fair and Accurate Credit Transactions. I have followed all of the steps outlined by FACT of watching for the signs and acting quickly by contacting the credit bureaus to dispute fraudulent information.
Product: Checking or savings account

The amount was {$870.00} and it was deposited amount was in there and then they tried to charge months later and set the account negative which put a hardship on me which made no sense we paid a negative amount that was not even supposed to be charged and we shouldnt have paid and tried contacting and doing a complaint and kept giving a run around saying we owed that when we clearly didnt we had money in there and never overdrafted that money. The Date was XX/XX/2022