23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, I made a payment to Citbank for my CitiXXXX credit card. 
The payment was {$300.00}. The balance on my card was then {$920.00}. 
Two additional ( seemingly arbitrary ) payments then posted to my checking account. 
One transaction was in the amount of {$150.00}, the next was in the amount of {$760.00}. 
I did not authorize these transactions. I received a transaction verification for the {$300.00} payment, but not for the unauthorized transactions. The total of these two transactions was {$920.00}, so now I have a credit on my credit card= my balance is- {$300.00} There is no offer of resolution from Citi for this issue. Their solution is to reverse the transactions within 7-10 business days. 
The entirety of their resolution is unacceptable. They are not operating within the parameters of the financial agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already submitted a Complaint to Experian, XXXX, and XXXX Credit Bureaus last XX/XX/XXXX requesting the verification and deletion of information on my credit file which I consider as fraudulent. Upon reviewing a copy of my updated credit report, most of the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i 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 remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

About XXXX  yr ago I had XXXX XXXX take over and pay my bills. I have made every payment but one ( due to moving back to Ohio from Texas ). I was also on a reduced payment d/t Covid and a XXXX XXXX, but continued to make payments every month. 
I had both a Walmart accout ( they sold the account to XXXX XXXXXXXX, who sold the account to Synchrony Bank, ( account ending in. # XXXX, ) XXXX XXXX  has the account listed as Walmart/XXXX  XXXX, but all payments are made to Synchrony Bank and are up to regular agreed upon amount. 
Synchrony bank is also being paid for account ending XXXX listed as Synchrony bank/ Sams and every month the bill has been paid ( proof to follow. When I went with XXXX XXXX the Walmart and Sams account together equaled more than {$7500.00}. And Im down to about {$2000.00} for both accounts, proof to follow. So synchrony bank has listed both accounts as written off. I have contacted them several times and they have told me because I had to make reduced payments they can show it as written off I spoke with XXXX last week. I told him it was false reporting and he said I was wrong. Im a XXXX yo XXXX  and have no record of late payments, BUT WAS DENIED CREDIT D/T Synchrony refusal to show the account as being paid on. 
Now. I have contacted XXXX and they refuse to fix this error and now I cant contact them at all. ( when I call a phone message comes on and asked me for my information which I give and it tells me its incorrect and cuts the phone off. Im printing them. They sent me a copy of the credit report, but refused to upgrade my income, or return dress this problem with synchrony. Please help me fix this.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized information on my credit report, in accordance with 15 U.S.C. 1681b, and to request the immediate blocking and removal of this information.

The reporting of this information is not fair or equitable to me as a consumer. I was never provided with proper disclosures or the opportunity to opt out of sharing my personal information. If I did not authorize, share, or sign any disclosure or contract with any company, then making any transaction public is considered a violation under FCRA 1681b.

Legal Basis : Violation of FCRA 1681b Under 15 U.S. Code 1681b, the permissible purposes for accessing and reporting consumer information require written consent. I never provided any written or express consent for these accounts to be reported on my credit history. Without my explicit authorization, this reporting is invalid and must be removed immediately. 

Requested Actions Immediate blocking and removal of the following unauthorized accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Written confirmation of the removal of the unauthorized information. 

Assurance that the deleted information will not be reinserted into my credit report in the future.

I am enclosing a copy of my report filed with the Federal Trade Commission ( FTC ), which I have submitted to report this unauthorized use of my information ( FTC REPORT NUMBER : XXXX ). 

If I do not receive a timely response, I will proceed with filing a formal complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and will consider taking legal action to enforce my rights under the Fair Credit Reporting Act ( FCRA ). 

I appreciate your prompt response and resolution of this matter. I expect a response within the legally required timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 


Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I typically set up a payment weeks before it's due so that I have no problem paying my credit cards. I set this payment to be taken on Thursday, XX/XX/2023 from my checking account for {$220.00}. I'm not sure who's to blame but if I don't get the answers I need or if it's not properly handled, I will do whatever is necessary in my powers to make everyone pay for this. I feel as though someone is deliberately trying to ruin my credit. There was more than enough money to take care of this bill. Capital one even sent an email stating the payment posted. I receive a email on Thursday, XX/XX/XXXX stating he payment was returned. I'm beyond furious, trust me when I tell you this. My payments are being debited fast enough and posting as they should and it's not right.
Product: Credit reporting or other personal consumer reports

I was denied an extension of credit and was provided information that sagestream was the responsible party for the denial. I then proceeded to file a claim against them with the Consumer Financial Protection Bureau. I never gave them consent to contact me, I never gave them consent to use my information, and I never contracted with them. They, also being XXXX XXXX, stated in a letter they sent me just recently, without my consent to do so, that they could not verify my information because the context of what I was asking for was not in their database and that I did not give enough information for them to work with. They then proceeded to ask for all my information. I will not be providing them with anything seeing as how I never contracted with them, yet they sem to have enough information about me to be worthy to deny me an extension of credit. How can they contact me stating they don't have my information? ... .how did they get my address? How can they being a determining factor in an extension of credit if they admit they don't have my information?
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains an mortgage account from XXXX / XXXX XXXX which I have contacted XXXX and they confirmed is NOT mine. I have contacted the credit agencies multiple times on this and MENTIONED that XXXX has confirmed no account exists with them, and it continues to remain on my account, without explanation or evidence that the account belongs to me. This is extremely upsetting and frustrating. This is inhibiting my ability to purchase a home. Thank you for all your help.
Product: Credit card or prepaid card

I applied for a XXXX XXXX XXXX XXXX XXXX card through Chase bank on XXXX XXXX XXXX in order to earn the XXXX mile bonus they were offering if your spend {$3000.00} in the first 2 months possessing the card. I previously had this credit card, but was eligible for the bonus as I had not received the bonus in over 24 months. For the first time in my life I was denied credit with the the stated reason being " Too many credit cards opened in the last two years associated with you '' ( XXXX ). It is true that I go from card to card to earn these sign up offers, but my credit score is XXXX and they are just denying me because I do not carry a balance, nor do I keep the card beyond a years so I do not incur an annual fee. 

The firm did not provide me with a copy of my credit report. They did not provide a phone number or email to contact them. They simply made this decision not to honor their offer because it would cost them money that they would not get back in margin, interest, and fees. They should not be allowed to make such an offer, if they will not honor it for all potential customers whether they will be revenue generating or not to Chase. 

NB : I closed a different credit card the day prior so that I would have no net increase in credit line
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called Upgrade numerous times to request a statement that reflects my name, account number, and current balance. They either refuse to send this to me or state they have, though nothing has been received. I asked them to at least update the credit bureaus with the current balance since its been over 30 days but they insist they have already. Ive called XXXX and confirmed no update received for over 30 days. Upgrade continues to lie to me and refuses to provide documents to me or updates to credit bureaus.
Product: Credit reporting or other personal consumer reports

I want XXXX removed from Social Security number ( XXXX XXXX area/field of my consumer report. This information is in accurate and I would no version of my Social Security number to be reflected on my consumer report in any way. This is my right to privacy as a consumer pursuant the privacy act of XXXX. 


I would like the following hard inquiries removed from my credit report per XXXX XXXX XXXX permissible purposes without my permission. The following information legally can not be reported. Therefore, I want it removed immediately. 

XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX And XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX
Product: Consumer Loan

1. Merchant, XXXX XXXX XXXX XXXX, drew a final payment for a construction project from my credit account without my authorization and in violation of the terms of our contract. They bypassed me and had my wife sign an incomplete authorization form without my knowledge ; 2. Lending broker, Greensky XXXX, who insists they are not the actual lender, did not request or verify my authorization before disbursing funds to the merchant even though they specify that XXXX rules and terms apply ; 3. Third party lender, XXXX, has this loan listed on my credit bureau reports yet they do not acknowledge any existing account open in my name or any customer relationship between us ; I am working with an attorney to pursue the matter in civil court.
Product: Credit reporting, credit repair services, 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 : XXXX, Account : XXXX, Account : XXXX, Account : XXXX, Account : XXXX, Account : XXXX, Account : XXXX, Account : XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 ( 2 ) ( a ) ( i ) States exclusions on " consumer report '' does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.

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.

15 U.S.C. 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Form 1099-c must be filed regardless of whether the debtor is required to report the debt as income.

According to the IRS a charge off is considered income and not debt and a 1099-c must be filed along with taxes.

Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete.
Product: Credit reporting or other personal consumer reports

I recently checked my XXXX XXXX and saw accounts reporting that I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

On the morning of XX/XX/2022, I pulled my EQUIFAX credit report and noticed wrong names listed within the credit profile as well wrong address that where listed inaccurately. I gave Equifax XXXX XXXX XXXXXXXX XXXX XXXX was informed by representative XXXX, that the information would be removed within XXXX XXXX. As a courtesy I have mailed off documention showing my full SSN Number, a copy of Electricity XXXX & a copy of my XXXX issued ID.
Product: Credit reporting or other personal consumer reports

Subject : Request to Update Personal Information ASAP Dear Sir/Madam, I am writing to request an update to my personal information in your records. After reviewing my credit report, I found several inaccuracies that need correction. I kindly ask you to update the following information : Name : Current Legal Name : XXXX XXXX XXXX Also Known As ( if applicable ) : None Former Name ( XXXX ) : XXXX XXXX XXXX Date of Birth : Correct Date of Birth : XX/XX/year> Current Address ( es ) : Primary Address : XXXX XXXX XXXX, XXXX NY XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Current Employer : XXXX XXXX XXXX have enclosed the necessary documents to verify the correct information, including : A copy of my driver 's license ( or passport ) showing my legal name. 
A recent utility bill or bank statement showing my current address. 
A copy of my Social Security card. 

Thank you for your attention to this matter. Should you need further information, please contact me at ( XXXX ) XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I have attempted to get on the REPAYE plan since XXXX. I spoke to a representative today who said I should be on it after I pay an " opt out '' payment in XXXX. She also said she " didn't know why '' I was ever taken off of the REPAYE plan. One of my applications was denied because I was on a forbearance for more than 90 days, which the employee suggested I do and never told me it would affect my application for REPAYE. This is why XXXX XXXX is being sued by the Massachusetts Attorney General and why I am calling for Colorado 's AG to do the same. I could have made several years worth of eligible payments towards the PSLF program but XXXX XXXX had me on the wrong program when I started in XXXX and is delaying my ability to pay on it for 8 months ( XX/XX/XXXX to XX/XX/XXXX )!!!
Product: Mortgage

I have had a mortgage with Bank of America for several years, my payment never included an escrow. They paid my XXXX property tax without my knowledge. I received a refund from my county tax office. I in turn sent that money to Bank of America, ask them them to take the escrow off my account, they assured me that would, this  was XX/XX/XXXX. In XXXX they had added the escrow back on without my approval or letting me know that had done so. I called them back ask them again to take it off, once again they assured me that they would. They still did not do as they promised, and in XXXX this year they paid my taxes again, I attempted to pay the back once again, but they are attempting to make me pay {$260.00} more than my tax bill is. I have attempted to contact them on several occasions. I can not get thru the escrow Dept. nor will that call me upon my request. Today they sent me an email from collections. I called them at their request and offered to pay the amount of the tax bill {$360.00} and take the escrow so I can get this behind me. They will not accept my offer, nor can i get in touch with customer service
Product: Credit reporting, credit repair services, or other personal consumer reports

i obtained a current copy of my credit report and noticed unauthorized credit inquires which i did not do
Product: Credit reporting, credit repair services, or other personal consumer reports

This account IQ Data International is reporting inaccurate information on my credit report which is a violation of the FDCPA and also FCRA. Ive sent in validation letters on XX/XX/XXXX in which I receiver no response from them and also have documentation with the tracking number showing it was receive on XX/XX/XXXX. Theyre also reporting inaccurate DATE OF LAST ACTIVITY as XX/XX/XXXX in which it has been ILLEGALLY Re-aged and in violation. I have made no payments towards this account none this year and it should not reflect XX/XX/XXXX. Ive disputed this account twice with XXXX on XX/XX/XXXX & XX/XX/XXXX which it came back as verified but yet on my credit report it doesnt show that the account was even verified which is in violation with the FCRA of which I may collect up to {$1000.00} per violation which I intend on doing so unless settled. This account has shows that the account balance is higher than the actual HIGH BALANCE which is indeed inaccurate information. The debt company can not add any fees towards an account purchased from the original creditor, it may only collect what was originally owed which this is violation
Product: Credit card or prepaid card

I would like assistance with disputing a charge on my account for {$14000.00}. It was paid to Citi Mastercard on XX/XX/18. In total they charged me {$14000.00}. This company has not provided what I was sold, and this is because they misleadingly earned my business. I have attempted to " work '' this out with the merchant and they are non-responsive.