23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Called representative. Representative said she couldn't understand why I'm being charged {$120.00}, especially after being charged an additional {$12.00} on XX/XX/XXXX. She said it appeared {$120.00} was a mistake & should have been corrected by XXXX on Thursday XX/XX/XXXX, but it wasn't. I've paid almost {$25000.00} to eliminate balances on three different Discover Cards since XX/XX/XXXX! 

Now they're trying to charge me another {$120.00}! 

I've had accounts with Discover for close to 30 years, I've carried balances for most of those years, and I've paid tens of thousands of dollars to these usuries over the years, and now that I can afford to pay these cards off, these crooks are trying to XXXX me!!!
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Dear Sir/Madam, I am writing to express my concerns regarding my experience with Synchrony Bank and Care Credit. Recently, I required a root canal that was not covered by my insurance and I had insufficient funds to pay for it myself. A Care Credit representative assisted me with online signup and I proceeded with the root canal. 

During the sign-up process, the representative informed me that the first 18-24 months would be interest-free, with interest applied afterward. However, I was not informed that accumulated back interest would be applied if the amount was not settled within the interest-free period. When the interest-free period ended, I was left with a balance of approximately {$530.00} on my card. To my surprise, when I checked my balance for the next payment, it had increased to over {$1600.00}. This put me under financial stress and significantly lowered my credit score from the XXXX to the low XXXX. 

I have made several attempts to contact Synchrony Bank to discuss this issue, but I have been met with unhelpful and uncooperative attitudes from both customer care representatives and supervisors. Despite requesting the account 's closure, I continue to receive robocalls and daily emails from Synchrony Bank. 

Had I known about the back interest during the interest-free period, I would not have agreed to the card. I feel that this is a deceptive marketing tactic and poor business handling. I would appreciate any assistance you can provide in resolving this matter. I am willing to continue paying down the balance of the card before they apply all of the back credit. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

All my historical data was deleted from Equifax on XXXX XXXX this elimination reduces my score significantly and Equifax is unable to restore my data.... As of today, Equifax is reporting only 9 open accounts and they still missing 13 historical closed accounts ( including mortgage, auto, and personal loans ). The effect on " Vintage 3 '' ( the process to evaluate score ) reflects that due to a lack of history my score dropped over 23 points. affecting my opportunity to receive better rates and offers. 

XXXX Still reporting all my accounts ( open and closed ) with correct historical data. 

Every time that I call Equifax I receive the same answer that is " if they don't have data on the system they cant help .... 

Today 's customer service refers to an error of 14 different banks at the same time eliminating the data at once .... that does not make any sense at all. 

In addition, I notice Equifax is not following the document information retention policy, due to the elimination of loans with less than ten years of cancellation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a police report in XXXX stating that my wallet turned up missing and that I was being bombarded with inquiries and accounts from Georgia. The 3 accounts that should not be on my account are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. These accounts were opened in varying parts of XXXX and all were reported repossessed. I have called. I have written letters. I have submitted police reports. Years later these 3 accounts still plague my credit report. XXXX still came back claiming they had a contract signed by me for Dealer Funding LLC. This was not me. This credit reporting agency has not been helpful at all in the clearing of these 3 accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in XXXX of federal law. The XXXX and Equifax Credit Bureaus failed to comply with the XXXX Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX {$2600.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX XXXX Balance : {$610.00}
Product: Credit reporting or other personal consumer reports

My information was leak on XX/XX/2023 after I lost my phone. I thought the identity theft only apply XXXX XXXX and XXXX XXXX XXXXXXXX only but now I realized they apply for XXXX credit card also on XX/XX/2023 which I already have in the passed well before XX/XX/2023!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Balance : {$7100.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an eviction record that has been incorrectly associated with my TransUnion SmartMove report. This record is entirely inaccurate, as I have never been evicted from any property, nor have I been sent to collections for any rental-related matter. Additionally, the leasing company assured me that this matter would never result in an eviction filing and that any record would be dismissed. 

Unfortunately, this erroneous record is now having a devastating impact on my ability to obtain housing, causing unnecessary stress and hardship for me and my family. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), I respectfully request that this matter be investigated thoroughly, and that this record be removed from my TransUnion SmartMove report immediately. 

To provide additional context : I maintained communication with the leasing company and resolved any outstanding concerns to their satisfaction. 

This eviction record was filed in error and should have been dismissed, as the leasing company promised. 

The apartment number is listed incorrectly on the eviction record. This error alone necessitates the removal of the record. 

Per my credit report records, no judgment was filed for any amount since the terms of my move-out agreement were satisfied. 

To assist in your investigation, I have enclosed the following documentation : A copy of my move-out document, which includes the correct apartment number ( XXXX ) as provided to the apartment management office. 

An email record from the leasing company confirming that any eviction proceeding would be dismissed upon satisfying the conditions of vacating the apartment and returning the keys. 

This incorrect record is causing unwarranted damage to my reputation and financial standing and may require legal action if not resolved promptly. I kindly ask for your immediate attention to this matter and for written confirmation once the record has been removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion today is XX/XX/XXXX, I disputed by certified mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX the public records bankruptcy with the case number XXXX, date filed XX/XX/XXXX, because you are reporting false information on my credit report because this bankruptcy does not belong to me, and it belongs to someone else so please delete or remove this bankruptcy. 

Also, when you responded to me with no explanation about the investigation results on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with the results : ( UPDATED NOT SPECIFIED ) so how did you verify this bankruptcy so please delete this false information on my credit report because you did not investigate or verified any of my disputes and you did not send me any proofs, so please delete or remove this bankruptcy immediately. 
The rule of XXXX says you don't have any of the Information so how can you say this bankruptcy is mine according to the rule XXXX must remove or delete this bankruptcy immediately. The law 15 U.S. Code 1681c Identity theft prevention ; fraud and section 611 ( 1681i ) requires you to do an investigation.

You are reporting false information on me because this bankruptcy is not mine. After all, you can not have my name, my full social security number, or my full date of birth to verify public records, therefore I will be attaching my Social Security Card to verify my first and last name.

I attached 6 supporting documents including my identification and the US postal service tracking numbers certified mail numbers please check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to access my 3 credit reports since last XX/XX/2021. I tried several times since that date but was only abler to retrieve Experian. I have made sure all of my address are correct with each credit agency. I have a case number from Experian but no one has fix the issue ( XXXX )
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered the presence of fraudulent accounts. As a victim of the XXXX Equifax data breach, my personal information was utilized to create these unauthorized accounts. Kindly remove them as they are adversely affecting my creditworthiness.
Product: Debt collection

I Looked up my credit report and found an account that i did not know about or received letters to my address From Portfolio Recovery. The account dates back from XX/XX/2014 As i did not have any credit card open. This is an identity theft under my Social Security Number. I was not contacted by Portfolio Recovery and i was not mailed about this debt.
Product: Credit reporting

I 'm pretty sure these XXXX accounts are n't mine but it wo n't let me redispute because it says it 's been verified already.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted company directly, and they provided documents that had information which doesn't belong to me, nor did it have my signature. I also pointed out that I had cross-checked the docs with what is being reported to my credit report, and the information was vastly different from one CRA to the next, however, nothing was done about the account being falsely reported. This account is being falsely reported, as it doesn't belong to me, and is also being falsely reported across all XXXX credit bureaus with different information as you can see in the attachments. That is a violation of the FCRA and grounds for deletion. Not to mention that I disputed this in XXXX and XXXX, but there was never a notation that this account was disputed placed on my credit file within 30 days of my initial dispute, that is another FCRA violation. Lastly, as you can see from my attached reports showing how this account is reported you can see that the date of last activity is changed from month to month as well as the payment status is reported inconsistently and incorrectly, which is a re-aging of the debt and another violation of the FCRA. Please delete this account and cease reporting to my credit report immediately. Thank you. -Violations of FCRA 623 a and b for failure to place a notice/disclosure that the account was disputed within 30 days, failure to report accurate information, and failure to update/delete inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing because I've requested verification on inaccurate information that's on my credit report. Which relates to late payments Its been well past 30 days and I have not received any update or response. 

Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXXMonthly Payment 4 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 6 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 7 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 8 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment XXXX XXXX XXXX XXXX I NEVER HAD THIS ACCOUNT
Product: Debt collection

this is a fraudulent account that I did not open and is still being reported and collected on .... that needs to be removed ... this was from my identity being stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, 15 USC 1681I ( a ) ( i ) ( A ), Can you please reinvestigate the completeness and accuracy of the list of accounts below : 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 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: Mortgage

Wells Fargo was offering a promotional award for refinancing your existing mortgage. The stated award was a {$500.00} visa gift card. I have never received the award and was told by Wells Fargo that I would not be receiving it. I have emails stating that I was eligible for the award prior to closing on the mortgage. I have attempted to contact the mortgage broker and my local branch regarding the situation, but there has been no resolution. I completed my closing documents on the refinance nearly 90 days ago.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$4600.00} XX/XX/XXXX XXXX XXXX XXXX {$700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$320.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items on my credit report. 

Equifax : XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/year> XXXX Date of inquiry : XX/XX/year> XXXX XXXX  Date of inquiry : XX/XX/year> XXXX : XXXX XXXX  Date of inquiry : XX/XX/year> XXXX : XXXX XXXX Date of inquiry : XX/XX/year>
Product: Debt collection

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

PROG MGT SYS XXXX PROGRESSIVE MGMT SYS XXXX PROG MGT SYS XXXX
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. 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 XXXXXX/XX/XXXX Listed on XXXX, XXXX, and Experian 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency maya make any consumer report containing any if 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.