23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX of 2022 XXXX XXXX XXXX. closed and charged off a XXXX credit card account ending in XXXX in my Name. XXXX XXXX XXXX XXXX they now own the account and the account agreement, but they do not own my information in said account. XXXX XXXX XXXX. proceeded to sell my information to XXXX XXXX XXXX  without my written permission ; constituting identity theft as well as well as violating the Gramm-Leach-Bliley Act as XXXX  XXXX N.A. is a financial institution who is to remain compliant with the FTCs XXXX XXXX. XXXX XXXX XXXX now has all my Nonpublic information. And per contract law, XXXX  has no enforceable contract with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I have attempted to remove duplicate accounts from my credit file several times, however, the credit bureaus are refusing to move these accounts. I have letters from both XXXX XXXX XXXX and XXXX XXXX which shows that the XXXX XXXX XXXX ending in XXXX is being collected by XXXX XXXX XXXX and the XXXX XXXX account ending in XXXX is also being collected by XXXX XXXX XXXX. 

I advised the credit bureaus that it is unlawful to report duplicate accounts on my file, however, they refuse to remove these files from my credit report. 

As well, I submitted my divorce court orders advising that my last name is no longer XXXX and should be updated on my credit file to reflect my maiden name. All three credits bureaus have this information but refuse to update my name. I also sent copies of my SC Drivers License.
Product: Credit card or prepaid card

This account with CB/WAYFAIR  XXXX has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX  credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I was shocked when I reviewed my credit report and found late payments on the dates below : 30 days past due as of XX/XX/2014, XX/XX/2014, XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of ongoing ID THEFT and have a few fraud accounts as well as other info reporting on my TRANSUNION credit report. I have sent in supporting documents as well as other info in support of this. I am aware my file is begin handled by the specialized fraud team within TRANSUNION. the following is fraud and please needs to be blocked or removed. Thank You. 
1.XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX 2.XXXX XXXX XXXX Inquiry : XX/XX/XXXX 3.XXXX Inquiry : XX/XX/XXXX
Product: Debt collection

I received a call from a number that is unknown to me. I called the collection agency and was told that an account was opened with them and i borrowed money from them which i know nothing about. I want the XXXX agencies to remove that report on my record and also for the collection agency to not contact me for a debt i know nothing about. 

Thanks
Product: Debt collection

On XX/XX/XXXX I submitted a payment to Calvary Portfolio Services for less than was owed in a Pay for Delete agreement. I asked before submitting any payment that this will mean the tradeline is deleted and I never have to hear about it again. This was verbally confirmed by Calvary 's law firm via phone call on XX/XX/XXXX. Calvary is now claiming that there was no Pay for Delete agreement, but this is what was agreed to with their attorneys and I quote " when I pay this it will go away and I will never have to hear about it again '' - I was assured the answer was yes and that I could submit my payment online. Calvary is unreasonably refusing to delete the tradeline, per the agreement made verbally with their lawyers, because I did not get it in writing. I do, however, have a phone call recorded and I will be looking into securing a lawyer if this tradeline does not get DELETED.
Product: Credit card or prepaid card

I have a State of Michigan unemployment debit card issued through Bank of America. I was placed on partial layoff because of the pandemic in XX/XX/XXXX and my unemployment benefits were deposited into this account. On XXXX I discovered that my account was depleted of over {$13000.00} with all the fraudulent purchases being made on XXXX XXXX. These purchases were not made using my XXXX account XXXX ), which has no previous history on XXXX XXXX. My card was never lost during this period and was always within my possession. 

I notified Bank of America immediately upon discovering this on XXXX. A claim was filed and I was informed that an investigation would be conducted. I sent a follow-up letter mailed to Bank of America Claims Division on XXXX. I also immediately filed a fraud report with XXXX Police Department on XXXX. 

On XX/XX/XXXX I received in the mail a response from Bank of America dated XXXX, which indicates that they permanently credited my account with {$490.00} for fraudulent usage and have closed my case. I have never used my card online, have never used it at an ATM and have never given it to anyone else to use. The total amount charged through fraudulent purchases on XXXX XXXX was {$13000.00}. 

I regularly checked my banking statements at the end of each month to see where my balance was using their website ( XXXX ). At the end of XX/XX/XXXX, I had at least {$13.00}, XXXX in my account. There was no fraudulent usage at that time. On XXXX, while attempting to a make a purchase of approximately {$68.00} at XXXX XXXX XXXX, my card was not completing the transaction. Upon arriving home and checking my account, I discovered the expansive list of fraudulent purchases using my card information to make hundreds of purchases on XXXX XXXX. The fraud purchases with XXXX XXXX begin on XXXX. 

I do not understand how Bank of America determined that fraud was committed on my account, but only credited me with less than 5 % of what I lost. My case with Bank of America has been marked as resolved with this permanent resolution of {$490.00}. I do not believe that a full investigation was completed fairly and I am requesting assistance in this matter. Using the Consumer Financial Protection Bureaus consumer education page, it says you must notify your bank within 60 days after your bank or credit union sends your statement showing the unauthorized transaction. I notified the bank within 10 days, well within the required time period. 

This money was given to me because of the layoffs occurring during the pandemic. I was holding on to it to pay off bills at the end of the year. Currently, I am unable to make these payments. Therefore, I am hoping that the Consumer Financial Protection Bureau can reopen my claim with Bank of America and give me a fair resolution.
Product: Checking or savings account

My mom had a checking account t with first interstate bank in XXXX Montana. She added me to her bank account. It was never my account. She passed away I. XX/XX/XXXX. Her bank account with negative and the back turned her over drafted account into a unpaid loan and put it on my credit report. I paid the amount on XX/XX/XXXX but they will not remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

BBVA credit card account was charged off and sold to collection agency " XXXX  XXXX XXXX ''. Account was settled and paid in full. XXXX XXXX provided letter of satisfaction. My original dispute was to update the credit bureaus to update as Payment after charge off/Collection settled - less than full balance. It currently shows Charged Off As Bad Debt. I have sent the letter with my disputes but BBVA will not update. 

I am currently involved in a new mortgage loan. The score is affecting my interest rate and down payment percent.
Product: Credit card

This is regarding the Amazon Store Credit Card from Synchrony Bank. 

This card offers 5 % credit for all purchases from Amazon.com. However sometimes on check out you will see under 'Payment Method ' in small green writing the phrase : " 6 equal monthly payments '' This happens randomly and there is no way set Amazon defaults so the '6 equal monthly payments ' are not offered. If you continue with the purchase using the Synchrony card - ( and this is nowhere documented by Amazon or Synchrony ) -- you will not get the promised 5 % credit. 

Synchrony considers the '6 equal monthly payments ' a 'promotion ' and it doesn't apply the 5 % credit to such promotions. However I had no desire for ( nor did I ask for ) such promotions. I only discovered this when see the discrepancy between actual and expected 5 % credits. It was hard to track down -- as the promotion is not uniform. 

Synchrony offered no satisfaction or compensation when contacted via on-line chat. It was only during the chat that I discovered the reason for the missing 5 % cash back. 

Looking over my transactions with Synchrony -- I estimate that I've lost between {$50.00} and {$100.00} in 5 % credits due to Synchrony applying this unwanted 'promotion ' to Amazon.com purchases.
Product: Mortgage

I did recieve notice that my loan had been sold nor that servicers had been changed until months after my servicer had changed. After learning of the change I was 3 months behind on my mortgage which I was told if i set up automatic payments to be withdrawn by the servicer each month the late missed payments would be deferred and i would be made current on my loan payments. I set up automatic payment withdrawl but was notified in XXXX that no payments had been withdrawn and my mortgage was now 9 months behind and my home was being set for forclosure sale and would be auctioned on XX/XX/2020. The servicer, Fay Servicing told me to send in an application for Loan Assistance Modification. The servicer spoke with me on the phone and told me they would email me the information needed for the loan assistance application. I recieved an email that stated that the loan application was attached and to return it. The application Fay Servicing had provided was completed and returned. After multiple attempts to contact my loan speacialist and after waiting 10 days I contacted Fay Servicing and spoke to a customer service representative who verified my application had been recieved and was in his words " complete except for the insurance declaration ''. It was during this call that i was told I was supposed to include a declaration of homeowners insurance with my application. I sent this in that day but recieved a letter from Fay Servicing days later stating my application for loan assistance had been denied due to an incomplete application. I explained that i had not been told in my email from my loan servicer that the dexlaration was needed with my application and that the the lender had obtained insurance on my home. I was told there was nothing they could do now brcause the 37 day prior to foreclosure date had past so a new application would not be accepted despite them providing incomplete information. I spoke to my loan servicer specialist who sent me the email lacking the complete application requirements and she said there was nothing she could do and my only option was to pay the costume mortgage payments an additional fees prior to foreclosure date. I then received another letter stating that Fay servicing have canceled the lender obtained insurance the day after recieving my insurance declaration. Now my home is going to be auctioned and i was not offered any services to avoid foreclosure because what i was offered was not offered correctly and this has resukted in my home possibly being lost due to this new servicer. Prior to the switching of loan servicers i was up to date on my payments and had no issues with my loan. Now im going to lose my home due to the new servicers errors.
Product: Prepaid card

i received a {$75.00} and a {$25.00} amex XXXX gift card from work. on XX/XX/XXXX i tried XXXX online it declined. on XX/XX/XXXX i attended to use the card at XXXX and it declined. i called customer service and they said those companies do not take amex. they both do because i have a separate amex card that i personally use. I tried XXXX again because she said XXXX should work, but it doesnt. i tried postmates, but that didnt work either!!! I read that XXXX can add an amex card to the account but that did not work either because it requires a zip code??? i gave multiple! called service they said there is no zipcode for the card. XXXX. no place takes this card!! i called customer service back and they were incredibly useless. they can not send a physical card or give me a visa. but for some reason, XXXX and XXXX can take XXXX cents off of my card multiple times, but decline my transactions!!! this gift card fiasco has been frustrating over the holidays. i couldnt buy a single gift with it. At this point i would like a check with the money. XX/XX/XXXX customer service and card!!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I marked as inaccurate XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Due to the increasing issues with this Credit Agency in addition to a majority of others, I 'm including the recent Statement Details as of the most recent Statement with this Card issuer : XX/XX/XXXX-XXXX 2017 Statement : Annual Percentage Rate : 26.74 % ( variable ) Balance subject to interest rate : {$780.00} Interest Charge : {$17.00} I have some concerns about what this company refers to as Promotional Purchases. The statement reflects a vague account of this type of Purchase yet includes a balance which has a separate Interest Charge. The Average Daily Balance that I 'm getting also raises some serious concerns. I have done some additional research and have found other clients of this company having the same issue where it appears either Interest and/or calculations relating to balances are being miscalculated in favor of the Credit Agency. <P/>I 'm showing some conflicts with regards to the Average Daily Balance calculation, perhaps as a result of certain transactions not being listed and/or credits not being fairly adjusted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXXXXXX Balance Owed : {$160.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance XXXX XXXX {$24000.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX {$2800.00} ; XXXX XXXX XXXX Balance Owed : {$5000.00} ; XXXX  XXXX Balance Owed : {$8400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX Owed : {$160.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have spoke with this company and advised that this is paid in full and also called the regular creditor first energy on XXXX way with a rep to confirm and this was deleted off my report XXXX weeks ago and now brought back on my report XX/XX/XXXX. This is paid in full and i need this company investigated as soon as possible. I monitor my report and have been through many collection agencies with medical bills that has been scammers and every rep i 've spoke with have gave me different response. i have already spoken to someone weeks ago that already took care of this a deleted it
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these inquires over 1 month ago. I did not authorize the following transactions *XXXX  inquiry date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XXXX XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX *FACTUAL DATA Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX *FACTUAL DATA Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX *FACTUAL DATA Inquiry date : XX/XX/XXXX *FACTUAL DATA Inquiry date : XX/XX/XXXX *FACTUAL DATA Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX *FACTUAL DATA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX Inquiry date : XX/XX/XXXX XXXX XXXX inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX I noticed that they remained on my report after the issue was disputed. 
the credit reporting agencies are in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
I advised them in my certified letter that I didn't initiate these transactions and want these inquires removed from my credit report. I don't recall and as per FCRA the consumer reporting agencies are in violation of ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer. 
I am seeking a home loan and this is ruining my credit reputation and causing higher interest rates. 

ALSO, THEY HAVE A Account number XXXX WITH NO ORIGINAL CREDITOR NAME, NUMBER OR ADDRESS LISTED. THIS WAS PREVIOUSLY REMOVED FROM MY XXXX ACCOUNT AND I WANT THIS ERRONEOUS UNVERIFIED ACCOUNT REMOVED FROM MY CONSUMER REPORT.