23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Regarding Inaccuracies in Credit Reports Dear Sir/Madam, I am writing to dispute and bring to your attention significant inconsistencies and inaccuracies in my credit reports from the three major credit bureaus : XXXX, XXXX, and TransUnion. The discrepancies pertain to the XXXX XXXX  XXXX account, and I request a thorough investigation to rectify these issues. 

Upon reviewing the credit reports, I have identified several discrepancies that require immediate attention. Firstly, in XX/XX/XXXX, when the XXXX XXXX  XXXX account was opened, XXXX reports a payment made on that specific month, while XXXX and TransUnion do not reflect any payment activity. This discrepancy in payment reporting during the account 's inception raises concerns about the accuracy and consistency of the information provided. 

Furthermore, all three credit bureaus report three late payments on the XXXX XXXX  XXXX account in the months of XXXX, XXXX, and XXXX. However, there is a discrepancy in reporting regarding the subsequent months. XXXX and TransUnion indicate a closed status on the account in XX/XX/XXXX, denoted by " XXXX, '' while XXXX shows payments made on the account until XX/XX/XXXX, suggesting an open status. These conflicting statuses require investigation and clarification to ensure accurate reporting. 

Additionally, I noticed variations in the balance update dates. XXXX reports a balance update on XX/XX/XXXX, while XXXX and TransUnion report balance updates on XX/XX/XXXX, and XX/XX/XXXX, respectively. This inconsistency in balance reporting further adds to the confusion surrounding the account 's status and payment history. 

Considering the discrepancies outlined above, I kindly request a comprehensive investigation into the XXXX XXXX XXXXXXXX account across all three credit bureaus. Please review and reconcile the reported late payments, the missing payment in XX/XX/XXXX on XXXX and TransUnion, and the conflicting payment history between the bureaus. Additionally, ensure consistent reporting of the account status, including the closure date, to provide accurate and reliable information to potential creditors. 

Once the investigation is complete, I request a detailed explanation of the findings and the corrective measures taken to address the inaccuracies. As a consumer, I have the right to accurate credit reporting under the Fair Credit Reporting Act ( FCRA ), and I trust that you will handle this matter promptly and in accordance with the FCRA 's guidelines. 

Please acknowledge receipt of this dispute letter and provide written confirmation. I appreciate your immediate attention to this matter and your efforts to rectify these inconsistencies. I look forward to a prompt resolution and the issuance of updated and accurate credit reports. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I recently attempted to add a checking account to pay my bill on my credit card ( 2 separate cards ). *Platinum MasterCard ( XXXX ) *Quicksilver MasterCard ( XXXX ) Capital One stated the account was not valid so I asked to speak to a supervisor. The leader advised that my account was not active and I need to contact my bank about the matter. I stated I just used my account and its over 20 years old. The supervisor was helpful so we conferenced the call with my credit union, XXXX XXXX XXXX XXXX ( XXXX, Michigan ). They confirmed the information and even sent a letter to Capital One. I also sent the same letter twice and they have yet to add or respond to me. My payment is due tomorrow ( X/XX/17 ). This is unbelievable, I just want to pay these cards and close if they did n't hurt my credit. I 've never had to beg a company especially a bank to take my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a statement of account for XX/XX/2022 from XXXXSynchrony Bank XXXX 
I dispute this debt and all claims contract according to 15 USC1692g. Also the account has been closed. I rebuttal Synchrony Bank account because I do not owe this credit card statement and this is not true bill of commerce. Also XXXXSynchrony Bank has double dipped for least 3 years. Therefore I am requesting a Rescission under 15 USC 1635b : Return of money or property following rescission. Under the Truth of Lending Act, it is against the law to denial me of my own credit, charge interest on my credit and close my account. Thank You
Product: Checking or savings account

My name : XXXX XXXX Ph # XXXX email : XXXX Name on Account : XXXX XXXX XXXX  : Citibank XXXX NY Branch Date promotional deposit of {$50000.00} made : XX/XX/XXXX I made a deposit of XXXX into my above Citibank on XX/XX/XXXX under the Citibank promotional deposit scheme that {$500.00} will be credited into my account after XXXX months and if money remains in the account for 6 months. 
The money has remained in the account for over 1 year ( actually money balance is still {$50000.00} in the account as of date XX/XX/XXXX ), but Citibank refuses to honor their commitment to credit me with the promotional amount of {$500.00} into my account. 

I have contacted XXXX XXXX XXXX, Manager Citibank XXXX, NY Branch repeatedly for over 9 months now, but she refuses to credit the {$500.00} promotional fee amount. She keeps saying " matter is escalated '' for last 6 months ( after initial complaint ) now, and I feel that this is going beyond normal and routine delay. 

She also refuses to make contact with me over the phone despite repeated calls to the branch ( Citibank XXXX NY ) Please help me get the promotional fee of {$500.00} that they advertised they will pay, and ask them to honor their commitment, after keeping my {$50000.00} for over one year now. 
Thank you.
Product: Money transfer, virtual currency, or money service

DATE : XX/XX/XXXX COMPANY : MONEYGRAM AMOUNT : XXXX DLLS.
REFERENCE NUMBER : XXXX ORDER NUMBER : XXXX I DECLARE THAT THIS SEND IS CANCELED SINCE XX/XX/XXXX AND I HAVE BEEN PERSONALLY PRESENTED TO REQUEST THE RETURN OF MY MONEY IN 5 OCCASIONS IN THE OFFICE WHERE I DID MY TRANSACTION.
I HAVE ALSO SPOKEN MULTIPLE OCCASIONS AT XXXX, THE ONLY TELEPHONE WHICH HAVE WHERE THEY SHOULD RESOLVE MY SITUATION WITH RESPECT FOR THE RETURN OF MY MONEY AND ONLY PROMISE ME SAYING THAT IN THE FOLLOWING 24 OR 48 HOURS I WILL OBTAIN IT.
HOWEVER, THE SAME ANSWER HAS ALREADY TOLD ME SOMETIMES AND THEY HAVE NOT RESOLVED ME WITH RESPECT TO THE RETURN OF MY MONEY
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear WAYPOINT, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft and fraud laws in XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that WAYPOINT has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law also emphasizes the necessity of consumer consent for credit reporting. Missouri 's identity theft and fraud statutes underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for WAYPOINT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that WAYPOINT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that WAYPOINT will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkr has performed a background check for XXXX they report inaccurate information about ticket that was settled by a judge in court. Ticket was paid and carry no points, as a result of miss information report my XXXX account is suspended and I can no longer work.
Product: Credit reporting

I am a recipient of XXXX XXXX. My coverage renewal was mailed to me in XX/XX/XXXX. I had to fill out my XXXX renewal forms and mail it to : Mail Renewal Program, XXXX, XXXX XXXX XXXX, XXXX NY XXXX. I mailed my forms in on XX/XX/XXXX. XXXX XXXX received it on XX/XX/XXXX. This form was sent to renew with my managed care program ; XXXX XXXX XXXX. I never received any updates via regular mail as I had requested when I signed up with my public assistance service. It was n't until I was inquiring on my coverage in XX/XX/XXXX that I found out that I no longer had XXXX Coverage. So, my coverage was canceled from XXXX XXXX to XX/XX/XXXX. I called my local social service office at XXXX XXXX and received the following status of my account:1. My mailed in application did not get processed after it was received on XX/XX/XXXX because it got transferred to the bottom of the list. 
2. On XX/XX/XXXX my account was noted under another persons name. 
I was then instructed that a new renewal form will be mailed out. I need to fill out and then return it. Weeks passed and I never received the duplicate renewal form. So I went into the XXXX XXXX office at XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX on XX/XX/XXXX to submit a renewal form in person, which I did. After I submitted this form, to my surprise, I received a renewal form again in the mail on XX/XX/XXXX. The reason why this is important is because during the time when my XXXX care coverage had been canceled from XXXX to XX/XX/XXXX I made an appointment to see a Doctor who accepted my manage care coverage for payment. However, since I did n't have coverage during that point in time, now the doctor is billing me for the lapse in coverage of {$36.00} for patients with no health insurance coverage and {$320.00} for patients with healthcare coverage as what I have. XXXX XXXX is also billing me for {$77.00} for service rendered on the same date. Now XXXX XXXX and the Doctor is threatening to send my account to collections because of the payments not being paid. The account number for XXXX XXXX is XXXX XXXX XXXX invoice # XXXX. The date of service was XX/XX/XXXX. 
XXXX collection number is XXXX at XXXX XXXX XXXX ext XXXX Claim # XXXX service date XX/XX/XXXX. My XXXX Account # is XXXX My XXXX card # is XXXX. I am requesting that XXXX or XXXX be responsible for this bill since neither of them notified me that I no longer had this medical coverage. Had I know this, I would have went to a straight XXXX provider for medical assistance. Please send me a response back in the mail at my address : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX My phone number is XXXX XXXX XXXX Thank you.
Product: Credit card or prepaid card

On XX/XX/2023, I received a phone call from someone claiming to be a XXXX representative offering to save me money on my bill. The individual gave me a number to call which had prompts to follow. I did so and was connected with another individual who sounded like a legitimate XXXX representative because he had information about my account. He indicated that in order reduce my bill, I would need to purchase XXXX gift cards and pre-pay 2 months in advance. I did as he instructed and was unfortunately scammed out of {$400.00} in XXXX gift cards. I paid for same with my Capital One XXXX credit card. 
I contacted both XXXX and XXXX immediately thereafter. The funds had already been disbursed from the gift cards. XXXX refused to refund the money. XXXX has also refused to reimburse the funds claiming that since I was an authorized user, they are not responsible for this type of fraud protection. 
On XX/XX/2023, I filed an incident report with XXXX XXXX Police Department.
Product: Credit reporting or other personal consumer reports

My data was breach in XX/XX/XXXX until today XXXX by equifax and other multiple companies and I have dealt with fraud.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681E8 You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act Delete account immediately for violating 15 USC 1681EB.
Product: Credit reporting or other personal consumer reports

was going over my credit report and noticed this account : Account Name AFFIRM INC Account Number XXXX reporting an account sent to collection in the amount of {$210.00}. This account does not belong to me nor am I familiar with the company AFFIRM. I believe this account is falsely reported due to the following facts : The account shows it was opened XX/XX/XXXX for the amount of {$840.00}. However, the account is only reporting since XX/XX/XXXX an amount due of {$210.00}. The data also shows a payment of {$110.00} was made in XX/XX/XXXX, but the balance did not go down in XX/XX/XXXX. The data then again states that a payment of {$0.00} was made XX/XX/XXXX. Was a payment for {$110.00} made on this account or not? The original balance for the account is misleading. Because it clearly shows two completely different amounts in the original balance, discrepancies in the payment amount made and when, and because i know that this it is incorrectly and falsely reported to my credit because of the fact that it is not my account, this must be removed from my report immediately. I am requesting that this account be removed from my report immediately as it violates my rights as a consumer. This negative reporting is hindering my abilities to qualify for loans.
Product: Debt collection

I was living with my parents at one point in life. When I was staying with them I was on paperwork as a permitted occupant. I was never an official tenant or signed a lease or had any agreement with the landlord. There is no lease that exists out there with my name on it or signature. This company is trying to say I have an individual responsibility to pay rent owed to these apartments. The only document they have is a statement with my name on it. This is only because I was a permitted occupant. Ive called the apartments and theyve provided me copies of the lease with signatures proving I was never a tenant or had an obligation to pay them rent. This rent recovery company refuses to remove this from my report
Product: Debt collection

Care Credit has  two accounts on my credit report listed as closed one showing sold for profit loss and one showing {$370.00} past due and {$710.0 0} is the current balance due. My credit report was pulled and it shows  XXXX  accounts open months within each other with a {$800.00} credit limit. I called care credit and asked for a layout and what all services was these accounts used for. They stated they was both sold to a third party so they can no longer communicate on that account. I sent a letter asking for validation for both accounts. Never received an answer. I then did a dispute with  XXXX   XXXX  on  XXXX   XXXX ,2017. On    XXXX   XXXX  2017      XXXX   XXXX  says my dispute is closed and the account is accurate and I am responsible. Now my credit report has been updated and now showing as a open account on my credit report with a past due balance and 87 % credit utilization and the last  three m onths with missed payments. I have created a second dispute which is now pending for another 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$5500.00}
Product: Debt collection

Contacting me at my place of work on company phone line. After I had told them this is my work place phone. Stating that they will report it to the credit bureau. For a debt that I feel is not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax furnished unknown inquiries on my consumer report without permissible purpose. In accordance with the Fair Credit Reporting Act XXXX XXXX ( XXXX XXXX XXXX ). I am exercising my right to challenge questionable information that I do not recognize the information listed in attachments.
Product: Debt collection

On XX/XX/2021 XXXX XXXX XXXX came to my abode location and attempted to seize my property without my permission and without court order or judgement in which is theft. This is a violation of my federally protected consumer rights. It is unlawful and theft for my property to be seized by someone without my permission. XXXX XXXX XXXX did not have my permission to contact me. ALLY FINANCIAL sent them to seize my property over an alleged debt that was already paid for. My car was already paid for through a consumer credit transaction. I put a downpayment of {$4000.00} which is illegal in a credit transaction under the provisions of 15 USC 1605 ( a ). Also a finance charge was in connection with the consumer credit transaction in which is the SUM of all charges in which I do not owe any monetary amount every month. ALLY FINANCIAL has committed fraud in this alleged contract without disclosing my right to rescission and the provisions under Truth in Lending Act. ALLY FINANCIAL and XXXX XXXX XXXX  has violated my federally protected consumer rights through abuse and oppression. This is prohibited by federal law.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was called by a person that was using the Bank of America. Customer service number and they informed me my account was being hacked, and the only way I was able to stop it was to send {$1100.00} of money to myself through XXXX. The people on the phone were able to tell me how much I had in my bank account, they informed me what the last 4 of my debit card was, so at the time, I had no reason to believe they were not employed by Bank of America. Bank of America told me they were unable to return my funds to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair Credit Reporting Act XXXX  these accounts listed above 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 statees a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Tuesday XX/XX/2022 I called into Experian regarding a bankruptcy listed on my credit profile. I inquired about any background information surrounding the account in question. The person I spoke with asked if I wanted to submit a dispute over the phone. I replied no and that I would call the court listed and try to gather more information. Not too long after we got off the phone, I received an alert from Experian stating that a dispute had been opened. I did not authorize this dispute via phone call. I immediately called back and explained the situation. The guy I spoke with said he would cancel the dispute, instead I received another alert stating that the dispute investigation was complete and the account had been verified as accurate. How was this account verified as accurate in a matter of an hour? I have been going through this with Experian for a long time now, and at this point I'm afraid that any further disputes will be labeled as " frivolous ''. Not only is Experian violating my consumer rights to proper reporting, they are also refusing to provide proof and in this case, conduct a proper dispute investigation. I did not authorize a dispute over the phone, nor did Experian conduct a proper investigation. According to the FCRA, proper dispute investigations are done within 30-45 days. This " investigation '' took one hour.
Product: Checking or savings account

A fraudulent checking account was opened online in Arizona on my name next to my business account in TD bank on XX/XX/XXXX. The bank tried to verify this account with a fake phone number provided. When they couldn't verify it, they froze my XXXX account and when my XXXX  complained about bouncing checks I found out that ther e was a problem in mid XXXX. Initially there was {$480.00} deposited on XX/XX/XXXX and then a check was written for {$430.00} on XX/XX/XXXX. then {$10.00} was paid on XX/XX/XXXX and the ending balance on XX/XX/XXXX was {$34.00}. 
The bank completed the investigation and closed the fraudulent and my XXXX  accounts. Gave me a case # and recommended to contact police for a report and websites dealing with identity theft.
Product: Student loan

I was told in XX/XX/XXXX that i was eligible for an " auto pay '' program and as a result my next payment would n't be due until XX/XX/XXXX, so I made plans with the extra money in XX/XX/XXXX. I spent some and put some into savings. XX/XX/XXXX I got a call from Navient in which they informed me that they made a mistake and that I was n't eligible for the " auto pay '' and, as a result my payment is now past due and I owe for XX/XX/XXXX. I now have to take money out of savings to cover the mistake. 
I do not trust these people to be handling my debt responsibly.
Product: Debt collection

I lived there for 3 yrs and we like the apt but the change owner and we had XXXX there made us take it down i then i write them a letter say i am move to XXXX due to i had XXXX and i need my mom to take for me through the time i was go through treatment and while my husband worked. So see what i have to do to take this off my creditor
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$7500.00} XXXX XXXX  XXXX XXXX XXXX XXXX - {$3300.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.