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

Notified via credit monitoring of a credit inquiry  XXXX . Immediately reported to credit bureaus that I did not authorize the inquiry or request for credit. I was told nothing can be done call the company. I called  XXXX  and was told to call the bank. I called the bank they said someone ordered something to my address and I informed them I did not place an order to cancel and close. Bank said they would close the account. I asked them to remove the inquiry as well. Few days later a credit card and statement came in the mail. I called  XXXX  back again to explain. I was told to return the item that came with return authorization which they emailed me. I was told to call the bank. I called again and explained. I followed up with the credit bureau today because this unauthorized inquiry and transaction continues to appear on  XXXX  of the  XXXX  credit reports. Credit bureau keeps telling me there is nothing they can do.
Product: Credit reporting or other personal consumer reports

I am asking for your help with the incorrect account reflected on my credit report. This issue has harmed my standing as a customer, and I need your intervention. These accounts must be removed as they are reported incorrectly and are damaging.
Product: Checking or savings account

On XX/XX/XXXX I received a test message along case # with Bank of America XXXXBank of America XXXX and phone number about unauthorized charges on my debit account. This was soon followed up my a phone call ( BOA ) phone. When talking to fraud specialist who identified from BOA, I was scammed into transferring money into XXXX which was suppose to go into a new account for safety purposes. However the alternative acct didnt exist and the money was sent to a third ( scammers ) partys acct. They didnt get the full amount because of the limit of transfer in a 24 hour period. They said they will call back at XXXX am on XX/XX/11 which they never did. I felt something was wrong but they provided personal information and the BOA insignia and phone number. Also the new acct never appeared. I called the fraud dept at BOA and they verified they were not involved in the transaction and it was fraud. They said they would attempt to get the money back but it would be 30 days or longer but since XXXX was used, BOA has no recourse. I got the impression they are just going to go through the motions. They have the Banking information to where the XXXX was transferred but told me it was up to the bank. BOA told me that XXXX has a little warning that says Be sure this is the person you want to send money to before pressing send to Based on the dialogue, BOA contact numbers and text message, I was led to believe I was working with BOA by the scam.The account was opened a month ago. Knowing that people have been swindled and XXXX has been used as a conduit for criminal activity, why didn't BOA warn its customers via a letter or any other form of communication.The real BOA fraud dept knew right away that I was a victim of fraud because they were familiar with the method. Why didn't they share this information with its customers? 

This vicious act has financially decimated me and I have no recourse. Im hoping the you can assist me with recovering the XXXX that was taken from me based on false information or steer me in the right direction. Very grateful for your time and consideration.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> and XX/XX/year> I requested to Experian correct my address. Experian has refused to do so ; I provided all the documents requested and they still failed to correct my address. My Correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Please have them correct this immediately and resubmit the corrections to whoever they shared this information with although I have opted out of them doing so, they still to honor my request. The address in this complaint should be the only address on my credit file. I have provided my identity theft report to Experian of being a true victim of identity theft, regarding this XXXX XXXX XXXX that is reporting on my credit file, I'm unaware of who they are, and Experian response has been crickets in this matter. I have also reached out to company and have yet to get any response. My next step in this matter is to seek litigation moving forward. This deceptive reporting is defying my character and ruining my creditability. I also requested an investigation on an unauthorized inquiry on my credit file but it has been ignored. I'm a consumer that has the right to request an investigation on my credit file for deceptive and false reporting. According to the FTC and the FCRA, I as a consumer have rights.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed I had fraudulent accounts on my report. I want the fraudulent accounts to be removed from my credit report immediately because they hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company falsely reported in defamation of my character. Further you created a deceptive form that made lenders and creditors, believe that i was not an idle Canidate to extend lines of credit too. Further pursuant to 15 usc 1681 ( a ) ( 4 ) A consumer reporting agency must exercise their grave responsibility to reporting 100 percent Accuracy and credit reporting. Due to your inaccuracies and non-verifiable information 0ver a 30 hard inquires. other people 's information blocking me out of monitoring services, Wich i have been trying to have you guys fix for over 4 months now not able to place credit freeze on my report. denied personal loans, extension of lines of credit as well. and multiple other violations under the FCRPA. That my lawyer has been documenting. It's on file with Equifax that i was a victim of your data breach as well. This is a formal notice to let you know my attorney that will be representing me on these multiple violations Equifax is responsible for. and will be held accountable in state and federal court. thank you for your prompt and immediate response to attending to this matter
Product: Credit card

I have had an account with PAYPAL MC since XXXX XXXX, 2014. However, I my balance and history got transferred to Synchrony Paypal MC which is the same thing and history but in my CREDIT REPORT its showing as a new account in which it effects my credit. It now showing as a NEW ACCOUNT but its not a new account because my history and balance is the same. 

I AM REQUESTING THAT THE CREDIT CARD REPORTS TO XXXX AND XXXX THAT THE ACCOUNT WAS OPENED ON XXXX XXXX, 2014.
Product: Credit card

My issue is that I continue to get billed for interest charges on an account that has been closed since XXXX 2016. This account was opened for an order that was cancelled. Upon cancelling the order, I 'm not sure why the charge for the XXXX membership remained but once I became aware of it, I paid it including the late fee it assessed for a total of {$21.00}. 

I spoke with your customer service team in XXXX and was told that upon paying the {$21.00}, my bill would be settled but it 's not as the interest charges continue to accrue. When I call XXXX, they tell me I need to deal with Comenity Bank and when I 've called your customer service, they can not understand why the charges have accrued and tell me to call XXXX. 
I 've sent certified letters to Comenity and also contacted XXXX via email but have not received a response and the interest keeps accruing on my account without being able to speak with someone that can resolve it.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX XXXX and XXXX has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed since XX/XX/2017. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed for 2017. The account status is wrong and should be closed. Now, I want you to remove this misinformation on my file. 


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

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage company ( mr cooper ) served me with foreclosure papers after i filed for a modification through XXXX XXXX. They also sent the XXXX papers to my stepson mother and my other stepson. This has my personal & financial info and they arent listed on my mortgage so is it legal for Mr Cooper to send my info to other parties and how can they foreclose in the middle if a modification that hasn't been settled yet? Please advise if both matters are legal.
Product: Credit reporting

I contacted XXXX XXXX to request proof of validation regarding account # XXXX. The furnisher was unable to locate anything related to the account due to the fact that it was never late. According to them, XXXX XXXX could not find any validations or information on their files pertaining to this account. I do n't quite understand why the bureaus continue to verify these late payments, when in fact they were never validated by the original creditor. According to section 623 of the FCRA, the CRA 's are required to remove this account from my credit report due to the fact that it 's not accurately reported. In addition, pursuant to regulation Z, TILA, and the Credit Billing Act, set forth CRA is required to cease and decease all negative reporting including the late payments. In accordance with section 611 of the FCRA, all of the parties involved are required to comply accordingly.
Product: Debt collection

I recieved letter in the mail alleging I owe a debt that I have no recollection of. I inquired of the debt thru tittle 15 use 1681 reading trying to learn. I learned to request validation thru certified mail. I did that. I sent certified mail request in specific the original contract with my signature. validation of the debt. proof that said company could legally collect in my state and the law behind the way they can try to collect from me... what I got in return was a copy of a copy no proof that I have to pay any debt, in fact the letter stated that it was beyond the statute of limitation and to not pay or it can be further damaging. that why I am writing this.. I have never heard of the company trying to collect a large sum of money from me ; this case has crippled my chances of trying to acquire funds to get my business off the ground. I have put fraud alert on my accounts because someone trying to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, I am trying to make an honest living but this case is one of many problems preventing me from getting ahead. I am just trying to clear my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My credit score has been dropping over the few months ; when researching the cause, it seems that there is an " outstanding balance '' on on my XXXX XXXX credit cards. However, I had already paid this credit card off in full and therefore, did not believe that I had any balance left to pay.
When my credit score dropped by another XXXX points this past round and the outstanding balance was cited again, I saw that there was an outstanding charge of {$1.00}.
When reviewing my statements, it looks like even after I 've paid my last amount in full, there was a retroactive interest charge / fee that was applied without my knowledge, resulting in the {$1.00} balance that was applied in XXXX  and carried over into XXXX. When I called XXXX XXXX Credit Card services, they removed the {$1.00} balance as a " courtesy '' ; however, they cited this charge as an interest charge.
Despite the generous removal of this {$1.00} balance, my credit score has taken quite a hit. Therefore, I was wondering if there is any way that I can rectify this situation and / or if there are other factors that are contributing to my low score. Please let me know if there is anything that I can do / if you need additional information from me.
Warmest regards, XXXX
Product: Credit card or prepaid card

I called capital one credit multiple times with regards to inaccuracies in their running balance on my card. I paid something like XXXX for about XXXX in purchases, one of my payments didnt even appear in their system but the balance changed. This has happened to me prior back in 2009, same issue same company. They have a bad system somewhere and are pretty much just stealing from people. Ive called 3 times since XXXX and the issue still persists.
Product: Credit card or prepaid card

On XX/XX/2020, my mileage for XXXX  ( XXXX XXXX ) was shutdown from XXXX. Citibank is the administrator of these XXXX  credit cards I signed up for. 

I followed Citibank 's sign up bonus terms and conditions, including spend requirements, to achieve miles by the sign up bonus and spend for my XXXX   mileage account ( XXXX ). However, XXXX XXXX claimed my points being obtained were exploitativly obtained. Citibank Credit Cards therefore are responsible to the damage that XXXX XXXX has caused me because the points were considered exploitativly obtained. Citibank should have provided these miles to customers in a nonexploitive manner, and provided promise and security to its clients that they would not be taken away from customers who fulfilled Citibank terms. Now I have signed up for many credit cards, spent many tens of thousands of dollars, and become the victim of Citibank 's devious practice and lost all of my rewards because of them! This is totally unfair that I am screwed for something Citibank did.
Product: Debt collection

I have reached out to the company to remove the item off my account but they have failed to honor the fair credit Act and also failed the burden of proof process please remove this account or show ink signatures and or other burden of proof.
Product: Credit reporting or other personal consumer reports

XXXX had a data breach between XXXX and XXXXXXXX XXXX XXXX. Per XXXX 's records my personal information was impacted.
Product: Debt collection

I am writing this due to Illegal Activity done by American Credit Resolution , Inc. This activity started on Thursday XXXX XXXX 2017. My husband and I have XXXX recordings of threats that I will be served and arrested along with several other FDCPA violations. This also includes speaking and providing and disclosing personal information which include my personal email address, my SSN and DOB, with people without verifying whom they are speaking with. They have also called my in laws and disclosed personal information to them. They have also sent out this information to the email address XXXXXXXXXXXX without verifying that it belongs to me or my husband. I have detailed 4 of the calls that have been recorded with the violations that my husband has found since he was the corporate trainer for XXXX. The reason I am reporting this because I would like to give the company to correct their actions and give them a chance before I hand these recordings to a consumer law attorney for review. I will like to settle this account out for {$300.00} with the debt being taken off of my credit report. I would also like an apology from the company apologizing for their wrong doing. At no time did they state they were debt collectors and that any and all information would be used for that purpose. I will pay the {$300.00} with a debit card to settle the account out and I will like to have a PIF letter within 24hours emailed to me and a hard copy sent in the mail. We have requested several times for a Full detailed validation of debt by mail including the invoices of the transactions. ACR Inc has failed to provide this each time. There are so many violations of the FDCPA in each call. We have received several calls a day form ACR in the hours that we stated we could not receive calls. Also we have been texted several times from ACR stated our payment was declined and did n't go through when no payment was ever set up. I want to make sure that the collection agency is aware of this and hopefully they can provide better training in the FDCPA. These agents in the phone calls are why they collection industry have a bad rapport.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding unauthorized hard inquiries on my credit report. Despite my initial complaint, I have not received any correspondence or notification confirming the removal of these inquiries from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company makes it too difficult to update my credit report. This is cousing me stress. I haven't even began to dispute All the inaccurate information they are reporting. I was just trying to get my personal information corrected and updated. This all started On XX/XX/XXXX, I pulled my report and noticed my personal information was outdated. On XX/XX/XXXX I drafted a letter to Transunion asking for my personal information to be updated. My job information, current address, and name. I told them in this letter to Remove All other addresses, names, jobs, phone numbers because this is leaving me venerable to identity theft. Also those addresses were not deliverable by the XXXX. This is basic information that By Law should be fixed. I enclosed a copy of my ss, ID and a utility bill. All with my name and address consistent with what should should be reported on my report. On XX/XX/XXXX, I received a letter saying " This is not you, you need to send us proof, a copy of ss card, utility bill and ID ''. On XX/XX/XXXX, I sent them the same information, ID, utility bill, and ss card, as they requested. The same information I Already sent. I should not have to repeat this same situation waisting money and my time. Yet again, On XX/XX/XXXX, they sent me another letter, this time with the report and no updated information. I am overwhelmed with this company. If it's this hard and difficult to just clean up my personal information, I can't imagine what it is like for other issues. This company acts as if they don't have to follow the laws that govern them. I demand, if they are reporting information that could harm people 's lives at least report properly.
Product: Credit reporting or other personal consumer reports

I had an account with Capital One Auto that resulted in an insurance loss. Once the primary insurance carrier paid off there was a remaining balance to be covered by the Gap policy that I had purchased at the time of the initial purchase. while this GAP policy was processing their claim CAP ONE charged the account off knowing what the situation was and what was happening. This was not due to my actions and were out of my control so it should not be reported as a charge off to my credit. I have made multiple requests for the deletion of negative information and they have failed to do so.