23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Purchase item on XX/XX/XXXX from XXXX they send me low quality product request a exchange they exchange the item but the one they send were also of low quality. I request to return but they wanted me to pay for shipping which was costly since it was furniture also in their return policy it said that if not happy which the item free return. Open an dispute with citi on XX/XX/XXXX they resolved it in favor of seller on XX/XX/XXXX. I try to reopen the case again but couldn't. Citi didn't even let me provide proof of my side when I open the dispute either.
Product: Credit reporting or other personal consumer reports

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Companies - Credit Union XXXX XXXX XXXX XXXX Mortgage Companies - Credit Union XXXX XXXX XXXX XXXX XXXX Mortgage Companies - Credit Union XXXX XXXX CONTOUR MORT Mortgage Companies - Credit Union XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Loans XXXX XXXX XXXX XXXX XXXX Credit Cards XXXX XXXX XXXX Mortgage Reporters XXXX XXXX XXXXCONTOUR MORT Mortgage Companies - Finance XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Dear XXXX, Experian, and XXXX I am writing to dispute certain inaccuracies in my credit reports regarding my XXXX XXXX auto loan account. The details are as follows : Account Name : XXXX XXXX Reported Balance : {$4400.00} Date Opened : XX/XX/XXXX Account Status : XXXX and Experian report the account as " Charged off '' with a balance of {$4400.00}, while XXXX indicates that I have 100 % left to pay on this loan. This discrepancy suggests that XXXX is not updating the account status accurately. 
Consumer Law : Under 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information identified as resulting from alleged identity theft, not later than 4 business days after receipt. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, this account is in violation for not reporting 100 % accurately. 
Payment History : XXXX indicates that I have made no late payments ( XXXX ), while XXXX shows that I have only made 18 % of payments on time and lists XXXX missed payments. This significant difference needs to be corrected. 
Consumer Law : The FCRA mandates that credit reporting agencies ensure the accuracy of the information they report, as stated in 15 U.S.C. 1681i. 
Last Payment Date : There is a discrepancy in the reported last payment date : XXXX lists it as XX/XX/XXXX, while XXXX states it as XX/XX/XXXX. While minor, accuracy is essential. 
Consumer Law : Under 15 U.S.C. 1681e ( b ), the FCRA requires that all reported information be accurate and verifiable. 
In accordance with the Fair Credit Reporting Act, the accounts listed have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Pursuant to 15 U.S.C. 1681, I have the right to privacy, and under 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting the original copy of the agreement and the terms and conditions associated with these accounts. Failure to comply will forfeit your claims and require you to delete all the items listed above. You are required to block these transactions from being reported to my credit report within 4 days from the date of receipt of this notice. 
Delete these accounts unless you wish to be held accountable for {$1000.00} per account. 
Please confirm receipt of this letter and inform me of the outcome of your investigation. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX
Product: Debt collection

My son is XXXX and they constantly call him. I tried to call to tell them to stop and I got a rude lady say " rpm, due to high call volume a representative will call you back '' she then hung up before I could say anything.
Product: Credit reporting or other personal consumer reports

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against XXXX can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Product: Debt collection

I just received an email saying that I owe {$3000.00}. The account says XXXX XXXX which I have never heard of and that the account was opened in 2019 in XXXX. 1 ) I have not been to XXXX in 2019nor did I open any account in 2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters asking for these egregious accounts from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX   to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX, XXXX, and XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX CT XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance XXXX {$940.00}, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX  XXXX Balance : {$3000.00}, XXXX XXXX  XXXX Balance : {$2900.00}, XXXX XXXX XXXX Balance : {$2900.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00}, XXXX XXXX XXXX XXXX Balance : {$2300.00}, U S DEPT OF EDXXXX Original creditor XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX. XXXX Balance : {$0.00}, XXXX XXXX Balance : {$1800.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$860.00}, XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

Someone got my information and try to send me someone else medical bill, which I have my own insurance thru my own employer
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Synchrony Bank Lowes located in XXXX, FL. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Synchrony Bank Lowes has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting or other personal consumer reports

A vehicle was leased through CIG Financial through XXXX XXXX with my identity. 
The vehicle was an XXXX XXXX XXXX Leased in XXXX XXXX The car was repossessed in XXXX Other names on the account were XXXX XXXX, and XXXX XXXX XXXX as my father ) I have no knowledge of any of these individuals. I was told by a representative at CIG financial to fill out this form. This information was provided through CIG Financial
Product: Checking or savings account

c.k. withdrawal got access to my checking account,, ive never heard of this company or done any business with them, they took XXXX dollars from my account.,,,,, My bank name is XXXX XXXX in XXXX mississippi
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 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 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 XXXXXX/XX/XXXX
Product: Student loan

I am not going to pay back a for-profit school that was found guilty of fraud, when I can't even find employment in my field for my degree.  I have paid back over 5,000 on XXXX and I still owe over 30,000 due to interest. Navient, the beast, has taken my tax return and ruined my credit. This system is a trap. I'd have been better off not going to the XXXX XXXX XXXX XXXX in the first place, but my mom pretty much forced me and signed all the papers herself when I was XXXX. I didn't have a choice in the matter then, so I'm pretty much screwed for life.
Product: Debt collection

I rent an apartment at XXXXXXXX XXXX XXXXXXXX apto XXXX During the Covid-19 crisis I was not able to continue at the place. We decided to move. I explained to the property manager that we cant no afford rent. We move out and a balance of {$2700.00} was due at the time. We tried to apply for rent assistance and at that time wasnt available. 
I cant not make this payment. I called several times to ask for amended because of the Covid-19 hardship. 
We appreciate your understanding XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax does not have any permissible purpose to furnish my personal information to any third party. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion of the following inquiries 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: Checking or savings account

On XX/XX/2021, I received a text from Wells Fargo that there was " unusual activity '' on my account with a corresponding link. I clicked the link, but was asked for my credit or debit card info. I assumed this was a scam and exited out. Person B also received a similar text on XX/XX/2021. Person B also clicked the link but assumed it was a scam and did not enter any information. My Wells Fargo bank account did not demonstrate any unusual activity, so I did not pursue the issue further at this time. 

Later on XX/XX/2021, I had received an email that I had sent {$3400.00} via XXXX from my Wells Fargo bank account to a XXXX account belonging to Person B. Person B claims to not have a XXXX account and did not receive the funds. I filed an official Fraud Claim with Wells Fargo to refund my stolen funds. However, on XX/XX/2021, I received a letter from Wells Fargo denying my fraud claim and stating that the {$3400.00} transaction was made by me or someone with my authorization. This is false, and I did not make this transaction nor did I authorize anyone to make this transaction. 

On XX/XX/2021, I called the Wells Fargo fraud department to request copies of documents that Wells Fargo relied upon in making their decision and also to escalate this claim to a supervisor, as Wells Fargo 's conclusion is false. I have this conversation recorded as well. The Wells Fargo employee refused to give us a complaint number and simply told us that we should wait for a return phone call in 10 business days. The Wells Fargo employee also hung up on us prematurely without giving us an opportunity to clarify other information. We have the name of this employee, but have withheld it as no personal information should be entered in this box. We have no official documentation to verify that we have escalated our claim or that we have requested the aforementioned documents. 

Our bank account log in information and account numbers have been changed to prevent further fraudulent activity.
Product: Credit reporting or other personal consumer reports

REMOVE THESE INQUIRIES Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX THSEE ACCONTS IS NOT MINE XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I NEVER HAD LATE PAYMENTS ) XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit card or prepaid card

I attempted to return an item purchased in accordance with the return policy as it was the wrong size. The merchant " XXXX XXXX '' agreed to the return ; has not responded nor issued the refund. I disputed the charge with Chase and included all the documentation and correspondence and they denied the dispute.
Product: Credit card or prepaid card

I have been reaching out and requesting my {$500.00} deposit back since XXXX of this year. I first made this {$500.00} deposit on XX/XX/XXXX and never received my card, after calling repeatedly, and confirming my address every time and having the representative read it back. I waited the 3 business cycles after giving up and requesting my account to be closed due to completely loosing my trust company. It is now XX/XX/XXXX and still no deposit back. I called today and spoke with a XXXX who informed me that the check was mailed on XX/XX/XXXX, a month ago and still nothing has received. XXXX informed me he would file a complaint on my behalf and told me to reach out in 5-7 BD to check on the status. I just do not understand why this is not being sent with a tracking number that can be provided to me so I may track it myself.
Product: Mortgage

On XX/XX/XXXX I learned that my ex-husband XXXX XXXX XXXX was applying for a loan modification with Citizens Mortgage, loan number XXXX. I immediately called CCO and explained the many reasons I did not authorize this modification. I talked to someone who instructed me to send a fax to the CCO Mortgage Loss and Mitigation Department describing the problem. I did as instructed and in XX/XX/XXXX I send a letter via fax to the Loss and Mitigation Department ( attached ) including all the supporting documents that explained I did NOT authorize the modification of the loan # XXXX for the following reasons : On XX/XX/XXXX XXXX XXXX XXXX and I were legally divorced and according to the ANCILLARY STIPULATION dated XX/XX/XXXX Husband and wife covenant and agree that they will NOT contract or modify any debt or liability of any kind or nature I also mentioned and included the Discharge of the Debtor from Bankruptcy Court dated XX/XX/XXXX discharging me XXXX XXXX of the loan. 
Included also the Notice of ABANDONMENT of the property XXXX XXXX XXXX and I lived located on XXXX XXXX XXXX XXXX, XXXX DE XXXX. 
I pleaded CCO Mortgage to take into consideration all these facts and to keep confidentiality because I feared retaliation from my ex-husband who had notarized my signature without me being present. 
I was told that the modification of the loan was denied, on XX/XX/XXXX. 

On XX/XX/XXXX almost 10 years exactly I noticed that this loan was still on my credit report. I called CCO again and confirmed that the modification was approved on XX/XX/XXXX regardless of my letter and without my authorization. I was told that they could not explained what happen and a supervisor was going to call me back. I wanted for the call and NO ONE ever called me back. 
On XX/XX/XXXX, I called again but this time I was asked to leave my name and number by a machine so I can receive a call at a later time. The call never came. 
On Thursday XX/XX/XXXX, I called again just like the last time I was not able to talk to a person but a machine, I was told a call was scheduled 7 days later. 
On Wednesday XX/XX/XXXX I finally got a call I explain again the problem and got transferred 4 times. My request to talk to a supervisor was denied time and time again. I was on the phone with 2 reps who were clueless about what to do for 1hour and 10 minutes. The answer of the second representative was that I should write a new letter with the same explanation and the same supporting documents, however : - CCO Mortgage can not guarantee a satisfactory answer since it is so long ago, - She is unable to give me her name or ID for follow up purposes, - She is not able to locate a supervisor, - She is not able to tell me what happens after I send the letter, I explained that I don't feel confident about someone reading the letter or doing anything about it since my first letter from 10 years ago was dismissed and ignored. No answer. 

Given the circumstances of this very unprofessional and illegal behavior I am submitting this complaint.
Product: Credit card or prepaid card

I have applied for Chase Saphire twice and got denied, they give me a list of reasons but are not very specific. I finally called for a reconsideration and I was told that the reason I got denied is because I have a bankruptcy and a charge off with them from 2007. I have never filed for a BK and I was not aware of this charge-off account with Chase, I do not see it on my credit report so I'm assuming it must be a mixed file or opened without my consent. I asked how I could resolve this and was not offered any solutions. 

I am currently looking at my credit report I do not have anything public records. I have credit cards with XXXX, they recently gave me an automatic increase for having an excellent payment history and I also have had a XXXX XXXX XXXXXXXX XXXX for 11 years with an excellent payment history. Why not consider those? I have been maintaining good credit and plan to keep it that way. There is one Fraudulent account with XXXXXXXX XXXX only reporting on XXXX that I have been working on resolving but everything else is current and balances are always kept under 30 % I don't feel they gave me a proper reconsideration. Seems they also missed the fact that I am an authorized user on a Chase Credit card with a credit limit of {$24000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is illegally reporting a closed account in revolving OPEN balances and is costing points in my credit score i have tried to address the issue and i am being ignored .. i am receiving responses to questions i did not ask. -- YOU ARE REPORTING A CLOSED ACCOUNT AS A OPEN REVOLVING BALANCE.. and per your own data it is hurting my score -- -- it is a violation of fcra and needs to be corrected immediately my revolving OPEN Balances as of today are XXXX -- one part of your site is correct the other is wrong and needs to be corrected