23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1100.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$1100.00} Highest Balance {$1100.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mo ) Account status Open Type XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1000.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$1000.00} Highest Balance {$1000.00} Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX  Closed XXXX Reported : XXXX XXXX, XXXX - {$6200.00} Closed Overview You're currently using 118 % of your account 's limit. 

XXXX {$6200.00} Credit limit XXXX XXXX Monthly payment XXXX XXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX - {$4400.00} Closed Overview You're currently using 117 % of your account 's limit. 

XXXX {$4400.00} Credit limit XXXX XXXX Monthly payment XXXX XXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$1600.00} Closed Overview You're currently using 126 % of your account 's limit. 

Balance {$1600.00} Credit limit XXXX XXXX Monthly payment No Info Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$1300.00} Closed Overview You're currently using 133 % of your account 's limit. 

Balance {$1300.00} Credit limit XXXX XXXX Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX Reported : XXXX XXXX, XXXX - {$2400.00} Closed Overview You're currently using 124 % of your account 's limit. 

XXXX {$2400.00} Credit limit XXXX XXXX  Monthly payment XXXX XXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) These are not my accounts and I want them removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Agency Act U.S.C. 1681 & fair Debt Practices Act 15 U.S.C. XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ! 5 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692 Section 805 A states : A debt collector may not communicate with a consumer in connection with the collection at any unusual time or place, or a time or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 Section 806 Section 5 Causing a telephone to ring or engaging in person in a telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon Checking XXXX  I found that Santander reported payment of {$0.00} on months that a payment was indeed made. The month shows as paid but reflects a payment of {$0.00} which doesnt reflect the amount paid that month. The payment amount reflects later on the balance. The company santander forced me to sign an agreement in order to gain a lower finance interest rate on my vehicle. In this agreement there is a legal terminology of which I did not understand when I signed it. The agreement states I can not sure them for anything. I now am no longer able to speak to anyone as they state I can not due to a legal issue. I am exhausted from this deal. Please advise
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have had the same business PayPal account for 3 years. I have over the years used it for minimal transactions such as XXXX sales or sending money to and from friends and family. In XXXX of 2023 I started to use it as a means to send invoices for money due to me for providing XXXX XXXX XXXX  As I explained to PayPal I am an XXXX XXXX and considered a XXXX XXXX  of the business services provided. On XX/XX/2023 I sent an invoice to a client for services rendered. Shortly after that I received a message from PayPal asking me the nature of my account, for a business license and why I have the account to begin with and my account funds were unable to be withdrawn. I provided all of this information and then the next day I got another message asking for a list of the same type of information and I have already provided the information to PayPal. They have since froze my account with a balance of {$180.00}. I have tried to resolve this issue with them and it seems they are just trying to make it more difficult for me to get my money. I told them I wanted a resolution and my money released immediately and have not received a reason other than demands for more of the same information ALREADY PROVIDED.
Product: Debt collection

On XXXX XXXX at XXXX XXXX I made a call to the Tj Max credit card Hotline to elaborate my concern of why I owe $ XXXX.I was told the call will be recorded and the representative told me that my last name does not match with what she has in her files and that If I don't give the correct last name that she can not assist me further. I tried to explain that if my first and last name does not show in her account after giving my social security then that charged should be dropped or removed immediately from my record. I mention that I don't have my TJ Max card because its been so many years and I made a small purchased that was later paid in full therefore that's when the representative asked for my Social Security.She said sorry there is nothing I can do. I find this very unusual and looks like possible identity thief or scam as I do my best to pay off all my credit card bills and have good credit. 

this is what shows in my record : SYNCB/TJX COS DC {$210.00}
Product: Credit card or prepaid card

Opened and utilized an American Express Blue Cash Preferred credit card ( account ending : XXXX ). Earned a promotional account opening bonus of {$350.00} after meeting a minimum spending requirement within a specified time period. After almost one full year, I decided to close the account. At the time of account closure, the chat representative stated : " Cancelling your account will result in your forfeiting any earned cash reward. Would you like to proceed with the card cancellation? '' I understood this to mean that any accumulated reward dollars earned from purchases but not yet claimed would be forfeited. Since I had no outstanding reward activity to claim, I proceeded with the credit card closure. Nothing was stated indicating that the initial {$350.00} account opening bonus would be reversed if the credit card was closed within the span of XXXX year. To my astonishment, several weeks following official account closure, I received an email stating that a {$350.00} statement credit reversal had posted to my closed account ( on XXXX ) and that I was liable to make the payment within 30-days otherwise interest charges and associated late fees would accrue. I contacted the company to resolve this issue and the chat representative/supervisor informed me that the possibility of account promo reversal was detailed in the fine print of terms and conditions. I conveyed to the representatives that I was never informed of any minimum time limit requirement, either during account opening or account closing. Nevertheless, I agreed to re-open the account to meet the one-year time frame. The supervisor agreed to submit the request for promo reinstatement to the company 's back office. Upon account re-opening, the company changed the credit card account number ( new card ending : XXXX ) and subsequently charged an annual {$95.00} maintenance fee. The account remains open and active but the promo credit has not been reinstated.
Product: Credit reporting or other personal consumer reports

Equifax is reporting a fraudulent account on my credit report! I've sent in all the supporting documents and this account was removed but Equifax has re-reported it. I've reached. Out to the creditor that is reporting it, and they only have my SSN number matching No other info matches. This is a 100 % fraud account that needs to be blocked ASAP. I will once more reach out to XXXX  XXXX XXXX  to try to resolve this matter. I ask that EQUIFAX look at the info. that ive sent in showing this account is fraud. 

MY CORRECT ADDRESS IS XXXXXXXX XXXX XXXXXXXX XXXX XXXX LA XXXX WHICH IS SHOWN ON MY ID IN THE ATTACHED DOCUMENTS
Product: Credit card

I forwarded a payment to pay off my Discover credit card. It was received by the due date. When I received my credit card bill, instead of it being paid off, they listed an additional interest charge. I called them and they said that was interest from the previous billing cycle. I believe this is a purposely fraudulent practice by Discover. I should not have to call them to get a pay off. Their statement should tell me the date interest is charged and what it was calculated on. It should be listed on the statement for the period on which it is calculated. 

In the end, they are refunding the interest, but I would like for them to be investigated. All other credit cards I use do not use their practice. If interest is charged, it appears on the current statement for the period they are charging for. No one should have to call a credit card company to find out their payoff. 

How many other innocent consumers are paying additional interest that they should not be paying?
Product: Credit reporting or other personal consumer reports

In accordance with 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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Mortgage

For several weeks from early XXXX until XXXX XXXX I worked with XXXX XXXX with XXXX XXXX to secure an FHA loan. I was given a pre approval letter, made an offer on a home and was lead all the way to a closing which turned in to that being pushed of twice and costing me money. 

I have contacted XXXX and have gotten no reasponce.
Product: Prepaid card

on XX/XX/year> My card was working fine, I used it for a taxi to XXXX once at XXXX I took {$500.00} in cash to the customer service desk and loaded my XXXX XXXX card so i could pay my rent XXXX mins later i tried to use card to get back home and it would not work, I tried to login to my account and access denied. I called the card, XXXX  and it told me my balance but it wont let me use my card my card has been blocked as well as my account. Theyhave not once called emailed or mailed me any information on why or anythig.they took my XXXX cash to load my card then blocked me from accessing my own money. They tell me nothing.they have my rent money now i cant pay my rent. this is fraud and theft and wrong they should not be allowed to do this to XXXX. I want my money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca, XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute for Immediate Removal of Fraudulent Information Under Section 605B Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report that has resulted from a data breach in which my personal information was exposed. This information must be removed in compliance with Section 605B of the Fair Credit Reporting Act ( FCRA ), which requires the removal of fraudulent information within four business days.

The fraudulent items that need to be removed from my credit report are as follows : XXXX XXXX Account Number : XXXX, Fraudulent account opened in my name after the data breach. 
XXXX. XXXX XXXX XXXX, Account Number : XXXX, Fraudulent account opened in my name after the data breach.

To support my claim, I have enclosed the following documentation : A completed Identity Theft Report, as required under Section 605B.

A copy of my government-issued ID for identity verification purposes.

Police reports, FTC Identity Theft Report I emphasize that this dispute is not to be treated as a standard 30-day reinvestigation process. Under Section 605B, Experian is required to block and remove any fraudulent information resulting from identity theft within four business days upon receipt of this dispute and supporting documentation.

Please confirm receipt of this letter and respond with a written confirmation of the blocked information. Failure to comply with this request will leave me no choice but to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau and pursuing further legal remedies as necessary. 
Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 
Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue began about 1 year ago from today where I was scammed on XXXX while purchasing gym equipment and flooring for my new gym. I opened a dispute with Citi bank following the scam. 

The dispute has been ongoing for the past year, opening and closing randomly forcing me to spend about 60-70 hours total on the phone/on hold with Citi. They constantly told me it'll be resolved soon and when I discussed the case with dispute department managers they said it should be a simple case and resolve within 7-14 days. That happened about a dozen times. 

Fast forward to XX/XX/22 - Citi decided to place the {$12000.00} balance on my credit report and state that I am past due on my card, tanking my credit score and causing the rest of my credit cards to reduce my limits significantly. Now the currently amount being disputed is about {$18000.00}, well over the current balance. It makes no sense that I am " past due '' or owe them anything at all. Especially since 1 out of the 4 transactions for this $ XXXX was already sent back as resolved in my favor! They're all from the same scam. It doesn't add up. 

Furthermore, the Fair Credit Reporting Act makes it unallowable for a credit card company to negatively impact your score during an ongoing dispute. 

I am getting married in May and was attempting to purchase a house. The mortgage company says I am now under the qualifiable credit score due to Citi 's illegal use of credit reporting.
Product: Credit reporting or other personal consumer reports

Trans Union, XXXX XXXX XXXX is knowingly reporting unfair and inaccurate account information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to the Principal 's credit report. This is my official complaint about the unfair practices and trespass. Please see the attached notice.
Product: Credit card

I cancelled my XXXX XXXX XXXX card in XXXX of 2016 because I did not want an account with Citi. In early XXXX, I received a card from Citi anyway. I called Citi about this, and they said that they could not verify whether or not the account was transferred until XXXX XXXX. I confirmed on my XXXX account that the card was already cancelled. Now Citi is saying I have an account with them. How is this possible if I cancelled the card and have never applied for an account with Citi?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TRANSUNION WAS XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries and accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

You have been reporting these accounts wrong for months now!!! To ensure your vigilance of compliance, the following accounts are reporting wrong even to the comments. I do not have these account numbers in my file. They are erroneous. How are you reporting this information wrong??? According to Compliance protocol you MUST delete immediately : NOTE : This is not for you to correct and not remove. Ive disputed this numerous times. You are mandated to remove these erroneous accounts!
Product: Checking or savings account

I have a XXXX XXXX account, and they have been the worse bank/financial service I have ever I had XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX doesn't help their customer, they actually take money over and over! and I had paid over XXXX on fees, they gave misleading information that cost me XXXX on a security, I reported a complain of a scam, they blocked my account and made lose a lot of money! all my savings are gone! I'm depressed I work and work and it is impossible to recuperate my money! I need help!
Product: Money transfer, virtual currency, or money service

I wanted to send {$300.00} to a person that needed the funds for food via Cash.app. I was having trouble linking my account to the transfer of those funds. I tried multiple times without success. When putting in the " hash tag '' for the person to receive the funds there was an automatic dropdown menu of that persons name and all seemed fine. Finally found a credit card and the money was to be transferred. I put in the correct name but when the money was sent it went to a different party with a similar hashtag. I later realized that they money was sent to the wrong person and contacted Cash.app as well as the party that got the money incorrectly. Cash.app said they can not do anything, though it was their fault with a faulty drop down name and the person has not sent me back those funds.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX. GA XXXX Lexis Nexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Statement of Facts Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
Bankruptcy Records Date- XX/XX/year> XXXX XXXX XXXX XXXX XXXX Bankruptcy Filing Number XXXX Please delete, remove and block this information from my Lexis Nexis consumer report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Lexis Nexis consumer report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Drivers License Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection account that is kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

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

Reported disputes was not investigated properly and remained on my credit report.