23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received a flyer from American Express asking me to sign up for a business credit card and spend {$10000.00} w/in 3 months to receive XXXX points. When I tried to use the code and sign up online, their website kept telling me it was having problems and to call and sign up. When I did so, I made sure the representative was signing me up under the XXXX reward points code. After fulfilling the {$10000.00} spend requirement, I noticed I was only given XXXX points. I contacted AmEx numerous times, being told that although they confirmed I was offered the XXXX point offer, that I was signed up under XXXX point offer. This is fraud, they intentionally enticed me with the XXXX point offer, then ensured I had to call instead of signing up online where I could have verification of the correct offer ( the rep told me that they make everyone call ), then switched offers after verbally telling me I was getting the XXXX points. Classic bait and switch.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX, I discovered that multiple fraudulent accounts were reported on my credit file without my authorization. These accounts have negatively impacted my credit standing, and I am requesting their immediate removal under the Fair Credit Reporting Act ( FCRA ). 

Accounts in Dispute : XXXX. XXXX ( Line of Credit ) Date Opened : XX/XX/XXXX Balance : {$510.00} Status : Charged off as bad debt Actions Taken : This account was not opened by me and appears to be a result of identity theft. The credit grantor has since canceled the account and reported a charge-off. 

XXXX. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$280.00} Status : Collection/Chargeoff Actions Taken : This account is not mine, and I have never done business with this creditor. Despite disputing the account, it remains on my credit file. 

Actions Taken by Me : XXXX. Filed an Identity Theft Affidavit I have submitted an official identity theft report to the Federal Trade Commission ( FTC ). 
XXXX. Filed a Police Report XXXX police report is being filed to document the fraudulent activity. 
XXXX. Disputed with Credit Bureaus I have formally disputed these accounts with XXXX, XXXX, and XXXX and requested their removal. 
4. Requested Verification Under FCRA Under 15 U.S. Code 1681i, I have asked for documentation proving that I personally opened these accounts.

5. Requested Account Blocking Under FCRA Under 15 U.S. Code 1681c-2, I am requesting that these fraudulent accounts be permanently blocked from my credit file.

Requested Resolution : Immediate removal of the fraudulent accounts from my credit report.

Written confirmation that the accounts have been deleted.

No further collection attempts related to these fraudulent debts.

Copies of any applications, signatures, or documentation used to open these accounts. 

I expect the credit bureaus and the furnishers of this inaccurate information to comply with FCRA regulations and take corrective action within the legally mandated 30-day period. Failure to do so will result in further legal action.
Product: Credit reporting or other personal consumer reports

Any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA since they are inaccurate. 


INCORRECT ADDRESS, PLEASE DELETE THIS FROM MY CREDIT REPORT! 

XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2007
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EWS has failed to provide under the FCRA time limit a response on their method of verification. I requested that they NOT use a XXXX method of verification and provide me the physical documentation of their methods of verification due to the nature to the dispute was due to identity theft and need the documentation for my records. They have failed to respond thus under the FCRA time frame limits the items disputed must be removed under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting 6 " untitled '' creditors to my credit report. I have sent them a validation letter asking them to verify the account and they have come back as verified. I am confused as to how this information was verified and to what company it was verified with. I am unable to send validation due to me not being aware of who it is.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX, NMLS ID XXXX ) of Apex Mortgage LLC ( NMLS XXXX ) was the lender handling the loan process in selling my parents family home to the buyer. The original offer from the buyer was accepted on XX/XX/XXXX. The contract entered the lenders office for underwriting and approval the last week of XXXX. On XX/XX/XXXX, XXXX  told my realtor, XXXX XXXX of XXXX XXXX, the buyer had the clear to close. However, nothing came of it. After several attempts to contact XXXX who was no longer responding or would tell us he would call us back and not, we had not successfully closed. XXXX, when he decided to respond to XXXX, the buyers realtor, or myself, would provide vague reasons and excuses. This went on for weeks. Some of the information we were given was incorrect and almost a blatant lie. Between XX/XX/XXXX, and XX/XX/XXXX ( when we decided to void the contract legally ), we were told we had the Closing Disclosure and Clear to Close 2 separate times. In-between, it was excuses, lack of communication, and inaccurate information. After doing some research, we, the sellers team, discovered that XXXX is not licensed in Maryland, only Washington D.C. We were not sure how he was originating the loan if he is not licensed. He told my realtor, XXXX, and myself he has completed over 30 transactions in Maryland. 
XXXX  not only cost us time in the housing market but also cost my family close to {$10000.00} dollars due to extra mortgage payments ( XXXX, XXXX, and XXXX ), interest on bills the proceeds the sale of the house was going to cover, and rent for my fathers assisted living ( XXXX ). XXXX consistently sympathized with my family and I and assured us the deal would close tomorrow or On Monday. This man and his company ( he is VP ) are predators and need to be addressed.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$520.00} INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

capital one closed my account with no phone call, no letter, and no email notice. I go to make my online payments and it says restricted. I call in and its states closed. The rep said due to an NSF history on 1 card they closed all 3 accounts. I have had these cards for years and was not aware of this policy. And they didnt attempt to call to advise me. I got no warning in the mail. I didnt even know they were closed until I call on XX/XX/18, The day before XXXX. I dont think its right that they dont give you a warning or notice that this could occur. This has messed up my credit attempting to get a house and I was getting a bonus check to pay all XXXX cards off on XX/XX/2018. We were just advised that on XXXX XXXX. I believe these practices are unfair as you get a notice about everything else, but this. This is something crucial and affects peoples credit and life. Now my credit is ruin.
Product: Credit card or prepaid card

I received my XXXX 2017 monthly bill from a Bank of America credit card. The account balance was {$120.00}. The credit card has a cash reward program that I had a large enough balance to pay the bill in full. So, I applied {$120.00} from the cash reward balance to the account to pay off the full balance. When I checked my credit card balance this morning, I noticed a {$25.00} fee for not making a payment. I checked the transactions on the credit card and the {$120.00} credit was present, as expected, on XX/XX/XXXX, well in advance of the XXXX XXXX due date. 

I called the company and they refused to reverse the {$25.00} fee for a late payment. They claimed that applying the cash reward as a credit did not qualify as making the minimum {$25.00} payment. They pointed out this bullet that pops up when the cash reward is applied to the account as a credit : " You are still responsible for paying the Total Minimum Payment shown on your credit card statement. '' To me, that statement did not apply since I was paying the bill in full with the cash rewards. By the time the cash reward was applied, there were a couple more charges on the account for the next billing cycle. But those should not be applicable for the previous month 's bill. 

For reference, this is how the transactions appear online : XX/XX/XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX Type Bank XXXX - {$120.00} XX/XX/XXXX date : XX/XX/XXXX LATE FEE FOR PAYMENT DUE Type Fees {$25.00} I consider this to be a very deceptive practice by the credit card company. Therefore I am lodging this complaint.
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to urgently follow up on our ongoing efforts to address the fraudulent items that have been detected on my account. 

Despite our previous discussions and your assurances of resolving this matter, I regret to inform you that the fraudulent items have not yet been removed from my account. This situation is deeply concerning and requires immediate attention to prevent any further financial harm or compromise to my account security. 

Therefore, I urgently request that you prioritize the removal of the fraudulent items from my account and provide me with a detailed update on the progress of your investigation into this matter. Additionally, I expect transparency regarding the steps being taken to enhance security measures and prevent similar incidents from occurring in the future. With this, I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My student loans used to be serviced by Nelnet. In XXXX of XXXX, I was informed the loans would be transferred to XXXX. And indeed they were transferred and my Nelnet account shows a balance of {$0.00} and a payment in full on XX/XX/2023. Since this time, XXXX has been servicing my loans with no issue. 

However, Nelnet continues to report all of loans to XXXX credit report. I have disputed the issue twice with Nelnet and twice to XXXX. As a result, my credit report shows a nearly double student loan balance ( because XXXX rightfully reports their balance but Nelnet continues to report a balance owed on all of the loans despite the transfer, full payment, XXXX balance ).
Product: Credit reporting or other personal consumer reports

My credit is in a mixed file and or social is close to mine and their credit is being added on my credit report.
Product: Checking or savings account

I called saying that I owned an XXXX XXXX which has two debit cards attached to it. XXXX charged both of those cards for one account. I tried calling Chime and disputing any charges that were doubled from my XXXX XXXX. On the phone the lady and I could only find two charges and then the call dropped. When I woke up my account was closed. I checked my email and the lady disputed every single XXXX charge Ive made in the last 3-5 months. I never authorized these payments but chime closed my account. I have XXXX XXXXXXXX in that account and have bills to pay, otherwise I will be charged with late fees and possibly a lawsuit from my landlord. They say they will send me the money in a month and a half but I have done no wrong. They can check the recorded call of me and the lady or see that the time of the call was only 4 minutes and 27 seconds. I have done nothing to deserve this or my account being closed. I have been a loyal member who has followed all of the rules, I have only disputed payments that were either legitimate fraud payments or errors from any companies that have given me the okay to contact my bank for a refund. I have not broken any rules at all. I personally believe I have been targeted by the company or an employee at the company by being hit with a bunch of unauthorized disputes so that they could close my account or for other reasons unbeknownst to me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear XXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with XXXX and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transfer Error : The account was transferred and any late payments recorded after this date should not have been reported. The transition period led to miscommunication between the loan servicers, which resulted in an erroneous XXXX late mark. 
Payment Processing Delays : During the transition, my payments were processed and made on time, but due to internal delays between the servicer and XXXX, the payment was not recorded promptly, resulting in the false reporting of a delinquency. 
Systematic Error in XXXX : Despite the account being closed and transferred, the late payment was still reported for several months. This reporting error persisted even though no payments were missed, and all balances were settled before the transfer. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Product: Credit card

I opened a Sephora/Comenity Bank Card in late XXXX. Made two small purchases for less than XXXX and paid the bill for both of them. I was in XXXX directly after making the purchases as in one day later and remained there for almost two months. While in XXXX I attempted to pay the balance on the card but was unable to do so. When I returned from XXXX I promptly paid the entire balance and noticed the late fees were more than what I actually owed. Called the company and they agreed to remove them if I kept the card open, when I refused and wanted it closed they left them on. 

I called last month and demanded that they remove these charges from the account and while they removed some of the late fees, they refused to remove the initial late fee even though I said I was in XXXX and the card itself wouldn't let me make a payment on the balance. 

I want the late fees removed as they are affecting my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a XXXX account in full in XX/XX/XXXX. It is now XX/XX/XXXX and the 3 credit reporting agencies, XXXX, Transunion and XXXX are reporting this account as delinquent/Chargoff when it sbould reflect as settled in full or not reflect at all, or completely deleted from my credit file.
Product: Debt collection

CALIFORNIA BUSINESS BUREAU ia attempting to collect a debt that I do not owe. The name on the bill is NOT ME I have repeatedly spoken to them concerning this fraudulent debt. CBB has also violated HIPPA laws in their feeble attempt to verify/validate a debt that is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and filed a report with the FTC. 
I have been disputing these fraudulent accounts on my credit report now for a long time. 
These companies have been unable to provide any written contact with my signature and have been unable to validate the debt. 

XXXX XXXXXXXX XXXX / XXXX XXXX CAM {$1000.00} Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX APTS {$180.00} Account number XXXX I have attached a copy of my identify theft report
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX DE XXXX. I do not have a contract with this agency. They did not provide me with the original contract request.
Product: Vehicle loan or lease

Dear Sir/Madam, I am writing to formally file a complaint regarding the egregiously inadequate service I have experienced with Pentagon Federal Credit Union in regard to my car loan account. I am a 100 % XXXX XXXX XXXX veteran living with a XXXX XXXX XXXX, which notably includes memory issues. 

Despite my condition, I have diligently maintained my loan repayments, relying heavily on the regular statements sent by the credit union to remind me of my due payment dates. Unfortunately, I stopped receiving these crucial reminders in XX/XX/XXXX  and, due to my memory issues, this led to a lapse in my payments that persisted until XX/XX/. 

On XX/XX/, I received a distressing communication from the credit union threatening to repossess my car if the overdue amount was not settled in full by XX/XX/. Immediately upon receipt of this letter, I reached out to the credit union and spoke with a representative named XXXX XXXX. During this conversation, it became apparent that there was a serious failure in the credit unions system in maintaining consistent communication with me. XXXX XXXX initially claimed that statements had been sent via email, but could not substantiate this with dates and I found no such communications in my email history. Moreover, he stated that there had been attempts to reach me by phone, only to then find that no calls were logged until XX/XX/XXXX, and even then, it was unclear if any actual calls were made as I was only placed on an auto-dial list. 

I find myself in an extremely precarious and unfair situation where I am being held accountable for missed payments that I was not duly notified of. My reliance on these notifications is heightened given my medical condition, and I am now facing an unjust punishment due to a failure on the part of the credit union. 

I am reaching out to seek your urgent intervention to facilitate a resolution that recognizes the credit unions lapse in communication and affords me a fair opportunity to resume my regular payments without the undue burden of having to settle the full overdue amount within an unreasonably short timeframe. 

Thank you for your attention to this grave matter. I trust that with your assistance, a just and reasonable solution can be reached. I am willing to cooperate fully and provide any necessary documentation to support my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you in regards to my credit report and the negative items that have been listed on it. After reviewing my report, I have discovered two negative items that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). 

The first negative item is an inquiry made by XXXX XXXX on XX/XX/XXXX, which has reached the statute of limitation. According to the FCRA, outdated and irrelevant information should be removed from my credit report, and I request that you remove this inquiry from my credit report accordingly. 

The second negative item pertains to an account associated with XXXX XXXX  XXXX, under account number XXXX. I have no recollection of ever belonging to this account, and it is impossible for me to update it. As per FCRA, I have the right to dispute any inaccurate or incomplete information on my credit report, and I request that you remove this frivolous account immediately from my credit report. 

I would like to remind you that the FCRA provides consumers with certain rights, including the right to dispute inaccurate information, the right to be notified when negative information is added to their report, and the right to have outdated and irrelevant information removed from their report. I respectfully request that you honor these rights and remove the negative items mentioned above from my credit report. 

Thank you for your attention to this matter, and I look forward to receiving confirmation of the removal of these items from my credit report. 

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

XXXX XXXX XXXX said they had no knowledge of an account in my name that was delinquent. I asked him to please let the Credit bills know and they said that thats not their responsibility to do that. I spoke to the credit card companies and they still havent rectified the situation the address of the company XXXX XXXX XXXX, XXXX XXXX XXXX, UT, ZIP Code is XXXX. Please remove the following account from all credit barrels. Thank you.