23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In  XXXX  I received an offer to upgrade  my Walmart Card to a Walmart Master Card from Sychrony bank. I called and spoke with them about the offer. They initially   told me that it would replace my current card and nothing except the account number and ability to use it would change. Upon further investigation I discovered that this was not true, that instead it would be a brand new account with a new starting date. I called the automated system and opted out of getting the card and I called them directly and told them I did not want the card. They did not opt me out and instead sent me the card. I have also since then asked them to stop sending me emails to activate the card. I have also spoken with an individual at their corporate headquarters at the phone number given of  XXXX  ext.  XXXX .  XXXX   XXXX  assisted me and said she would get back with me and that I would stop receiving emails. I am still receiving emails and when I attempted to contact her today the phone number no longer works.     I think the practice they are doing is misleading. They call it an upgrade when it actually replaces the account with brand new information reporting to the credit bureau. This is not clearly stated in their communication and thus does not allow a consumer to make a qualified judgement on accepting the offer. An upgrade to this product should have no negative affects for choosing it and if there are then it should be clearly written in the offer itself. If it is hidden in the fine print I have yet to be able to find it. In a matter such as this consumers need protection from the company if they are not making this information clearly identifiable and easy to find. A new account will affect an individuals average age of account and consumers do not need to be tricked into taking something that will have an adverse affect on their credit bureau report. There is nothing preventing Synchrony from simply doing the right thing and making it clear or simply actually upgrading the account and allowing the consumer to retain the history with the credit bureau they have already established.     In speaking with Synchrony about this at their normal customer service phone number for the account I have been given wrong, contradictory information, misleading information and information meant to deceive people from making a qualified decision. They have told me that if it reports wrong then I need to contact the credit bureau to take care of the issue, which can not be done since the information is not technically wrong at the credit bureau and the credit issuer themselves would actually need to do such a thing. They have told me that it would replace the information at the credit bureau, when indeed it does not, it creates a new account and closes the old account. The information reported is current as of the day of being offered the account or acceptance of the new account. They have told me that only the account number would change with the credit bureau, which is not true since a new account opening date would be reported and the other account reported as closed.
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. I told Experian, XXXX, and XXXX to reinvestigate these account XXXX XXXX  ( Finance ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.
Product: Credit card or prepaid card

I just tried to dispute a charge on my card " XXXX XXXX  # XXXX XXXX XXXX '' I did not get the 2 chocolate dipped cones, and brownies were not put into my ice cream which I paid {$3.00} for on 3 separate items. 

it was for a delivery of ice cream, they denied to launch the charge because I didn't " try to return it '' # 1 I didn't have that option after I was already told they refused to refund me # 2 they refused to refund me for items I paid for that I did not recieve. 

They are legally obligated to refund me It is Citi 's fiduciary duty to launch a dispute LAUNCH MY DISPUTE FOR {$14.00} STOP BEING SILLY AND DO YOUR JOB
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I called XXXX XXXX to have my monthly car payments withdrawn on the XXXX of every month starting XXXX-19 until further notice. I went away for my birthday week and expected my bills and car to be automatically withdrawn as I was assured and told by XXXX at XXXX that I was all set up and my automatic payments would start XXXX-19. I received my XXXX XXXXXX/XX/XXXX bank statement from my personal bank and saw my car payment did not come out. I immediately called XXXX and was told they have been having computer issues and will fix my account. I paid them XXXX XXXX as they said I was 33 days behind. I paid up in advance. The next 3 days o received a notice from XXXX   that o was two payments late. I called XXXX to fix this and another women told me I had to dispute this issue. Well I did to all 3 credit bureaus, the following day. I had update to my payment and Iam current but the late charge for XX/XX/2019 was not my mistake. I have been paying two years and excellent payments. This has hurt my further as my credit score dropped and I have had my credit scores in the 700s for my hard work, me being responsible and me paying my bills on or before my due date.
Product: Debt collection

did not receive 1099 c form from navy federal credi union when they wrote the alleged debt off on there tax filings.
Product: Checking or savings account

On XX/XX/2020 I attempted to withdrawal {$600.00} from an ATM machine at Commerce Bank on XXXX XXXX XXXX XXXX XXXX XXXX. I misread the screen and drove off thinking the withdrawal was not being processed. Upon getting home, my wife told me the request was being processed. I drove back and there was not any money or receipt in the machine or around the parking lot. 

I called the number on my debit card, XXXX and filed a dispute along with sending my bank a message online. 

I received a letter from Commerce dated XX/XX/2020, attached, which gave me what I thought to be a " boiler plate '' response. 

On XX/XX/2020 I called the debit card number and was told the investigator was on vacation and would contact me the following week. I explained that I was out {$600.00} and wished to know exactly where it went. Was the bank actually short that day? If so, does the ATM not have a camera to show that the cash, and receipt, were taken? 

On XX/XX/2020, I again called the debit card number and was told the investigator had not been able to review the case and contact me but it was in progress. 

As of this date, XX/XX/2020, I have not heard from the debt card company. I feel I deserve a more definitive answer since the {$600.00} was withdrawn from my account. 

Thanks
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney XXXX 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX reported that I owed money and sold the alleged debt to XXXX XXXX XXXX XXXX. I have been disputing XXXX XXXX XXXX XXXX since XXXX with Experian. So, The XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are negatively impacting my Experian credit report. 

I do not owe either company. The XXXX XXXX XXXX XXXX admitted to mistakes made on my account and did not correct the mistakes, collected insurance on the account and also collected more money when the account was sold. Basically, The XXXX XXXX XXXX XXXX engineered a debt and recouped losses more than once for the same debt and is still reporting negatively in one section of my Experian Credit Report. 

XXXX XXXX XXXX XXXX is trying to collect on the engineered debt that was purchased from The XXXX XXXX XXXX XXXX. 

I have requested from Experian the source of the investigations. How has Experian been conducting the investigations? I have requested copies of the investigations and requested the source of the investigations. I have not received. 

I have written in to add my personal statement- on several occasions. My personal statement has never been added to the Experian Credit Report. 

I have written in to Experian and XXXX XXXX XXXX XXXX and informed both companies this is not my debt and most importantly I am not affected by any natural disaster or the current pandemic. I simply do not owe this engineered debt. 

I last wrote both companies in XX/XX/XXXX. NO RESPONSE from the XXXX XXXX XXXX I received an email from Experian to check my credit report. There was no reference to my request for investigation results, investigation sources, copy of investigation report and no addition of my personal statement. 

What had changed in my credit report was You Have 1 New Late Payment : This item was updated from our processing of your dispute in XX/XX/XXXX. There was no reference to my request for investigation results, investigation sources, copy of investigation report and no addition of my personal statement - I do not believe my requests were for a new investigation. I was requesting information on what was already done and how the investigation was done, I also wanted my personal statement added. However it seems -Anything sent in to Experian is processed as a new dispute.
Product: Mortgage

Caliber had me work with them doing a loan modification. I submitted my documentation multiple times over and over again and I documented every call and every submission I sent. They continued the foreclosure process ( dual tracking ) as they were working on my loan modification. I have a foreclosure date of XXXX XXXX and very little time to do anything other file for bankruptcy.
Product: Student loan

Loans were taken out in my name fraudulently by XXXX between XX/XX/XXXX - XX/XX/XXXX. I have tried to combat that, and the issue is n't moving. My loans were listed in the XX/XX/XXXX and ALL subsequent law suits against the school. Navient was to place them all in deferment/forbearance and never did. They sent confirmations that it had been done, but took my tax refunds and continued collections. I did get the USDOE email confirmation that the loans would be discharged, and it has n't been done. Because the school took XXXX loans in my name, Many with no signature, I ca n't get approved for anything.
Product: Credit reporting or other personal consumer reports

A creditor called " LVNV FUNDING LLC '' contacted members of my family and me. Their calls were disturbing and vague. They refused to prove they own the debt, and that I owe a debt. My family and I want to be left alone and I want this debt stricken from my credit report. I don't recognize this debt. I have never heard of it before and it is mistakenly on my credit report. 

XXXX Bless
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Inaccurate Reporting and Failure to Properly Investigate Dear XXXX, Transunion I am writing to formally dispute the reporting of an account under XXXXXXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX XXXX # XXXX on my credit report. This account is removed from XXXX but still reporting on my XXXX and Transunion credit report, your prior failure to properly investigate this matter is a direct violation of 15 U.S.C. 1681i, which requires credit reporting agencies to conduct reasonable reinvestigations when a dispute is raised. Issue : The account is reporting fraudulently on my credit report, and despite notifying XXXX and TransUnion about this false information continues to appear on my credit report. XXXX and Transunion lack of a reasonable investigation into the accuracy of this accounts information has harmed my credit and violated my rights under the Fair Credit Reporting Act ( FCRA ). Required Actions : Immediate removal of the fraudulent account from my credit report. Ensure compliance with 15 U.S.C. 1681s-2 ( b ), which mandates that data furnishers also investigate and correct any inaccurate information. If this account is not removed from my credit file within the timeframes required by the FCRA, or if XXXX and Transunion fails to adequately explain the verification process, I will escalate this matter by : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Consulting legal counsel to pursue damages for violations of 15 U.S.C. 1681i, 1681s-2, and other applicable laws. Please confirm in writing that this account has been removed and provide a detailed explanation of the steps taken in your investigation. You may contact me. Thank you for your prompt attention to this matter. Sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

5 Clients with possible information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  ( 16 hours ago ) to bcc : me Dear XXXX  family, We are writing to you because of an incident involving access to your physical folder here at XXXX XXXX XXXX. Although we are unaware of any actual misuse of your information, we are providing notice to you and 4 additional clients may have been affected by the incident, and about tools you can use to protect yourself against possible identity theft or fraud.

What Happened? 

We were informed on XX/XX/2022, about the most recent breach incident. Law enforcement is investigating and asked that notification to customers be delayed allowing the investigation to move forward. 

What Are We Doing? 

Our team is working with all three credit bureaus and can assist you with issuing a fraud alert for you and each potentially affected client. Contact numbers : XXXX XXXX Experian XXXX XXXX XXXX. You only need to place one fraud alert with 1 of the 3 Bureaus and it transfers over. 

What Can You Do? 


If you have additional concerns and/or questions please reach to our CEO XXXX XXXX XXXX directly at this contact number XXXX For more information on identity theft, we suggest that you visit the website of the Pennsylvania Office of Privacy Protection at XXXX : XXXX -- Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX / 60 Days late in XX/XX/2020. 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting or other personal consumer reports

I have hard inquiries that I did not do. XXXX from capital one on dates XX/XX/XXXXXXXX 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

am writing to bring to your attention a serious matter concerning the reporting of inaccurate information on my consumer credit report by XXXX. It is of utmost importance that financial institutions report 100 % accurate and true information on consumer credit reports. However, it has come to my attention that the account in question is inaccurately reported as " paid and closed. '' I am formally requesting the immediate removal of this inaccurate account from my consumer report, as its presence is damaging my reputation and causing harm to my financial well-being. 
The reporting of this account as " paid and closed '' is not only misleading but also damaging to my creditworthiness and overall financial standing. This inaccurate reporting is tarnishing my reputation and causing me significant difficulties in obtaining credit on fair and accurate terms. It is imperative that XXXX takes responsibility for the accuracy of its reporting and rectifies this situation promptly by removing the account from my consumer report. 
In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I demand the immediate removal of this inaccurate account from my consumer report. The presence of this erroneous information is causing harm to my reputation and financial well-being, and it is your responsibility to rectify this situation without any delay.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and request your assistance regarding a debt that has been inaccurately reported by XXXX XXXX XXXX XXXX, account number XXXX, across all three major credit bureaus : XXXX, Experian, and XXXX. 

On a prior occasion, I requested a contract assignment and validation of this debt from the credit collection agency ; however, despite more than XXXX  days having passed, I have not received any of the requested documentation. The failure to provide this information within the legally required timeframe is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, I have identified significant discrepancies in the way this repossession is being reported by the credit bureaus : XXXX. XXXX credit bureau is displaying no payment history for this account. 
XXXX. The other XXXX credit bureaus are inaccurately reporting multiple months of repossessions, when in reality, a repossession only takes place once. 

This misrepresentation is not only damaging but also extends the statute of limitations, which is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The FCRA mandates that credit reporting agencies ensure the accuracy of the information they report. 

Due to these inaccuracies and the failure to validate the debt, I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in having the incorrect repossession entries removed entirely from my credit reports. 

I respectfully ask for your prompt attention to this matter. I am requesting that you ensure that the credit bureaus correct this misrepresentation and provide an updated and accurate copy of my credit report. 

Thank you for your assistance. 

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

Between the dates of XX/XX/2022 and XX/XX/2022, I sent dispute notices to the following Credit Bureau 's ( Trans Union, XXXX, and XXXX ). After 30 days, no response. 

According to your policy ( FCRA & FDCPA ), if no action is made within that period, all disputed item ( s ) must be removed
Product: Mortgage

I requested information from my prior loan servicer -- Shellpoint. They were the loan servicer until it was transferred to XXXX XXXX in XXXX of 2022. I have been requesting a resinstatement quote from Shellpoint for over a year. 

The prior request they sent, including a response to a QWR, makes absolutely no sense to me and looks to be in error by $ XXXX {$90000.00}! This was even made mopre evident when I received a notice of trustee sale that states the figure is {$430000.00}. The notice of default sent less than a year prior would have made the total amount closer to {$370000.00} ( assuming no payments were made ). 

In reply to their response to the QWR ( a copy of the latest version of that letter is attached ) points out some of these issues. They have stated they have already answered my questions and to take it up with the new loan servicer, XXXX XXXX. XXXX does not have all of the same information that Shellpoint has, so I am stuck and my sale date is quickly approaching.
Product: Debt collection

My identity was stolen and someone was trying to open some account and thats why there was a lot of credit inquiries and they even opened some account as well.And one account also went for collections.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a ( 2 ) exclusions.

According to this provision, certain information is not to be included in consumer reports.

15 USC 1681a is a law that defines the term " consumer report '' and its exclusions. The term " consumer report '' does not include : Reports containing information solely as to transactions or experiences between the consumer and the person making the report. 

I have recently reviewed my credit report provided by your agency and have found that there are inaccuracies and violations of these exclusions. You are reporting XXXX late payments which are experiences between the consumer and the person making the report. 

I am formally requesting that you take immediate action to correct these violations and remove the information from my credit report. I also request that you provide me with a revised copy of my credit report once these corrections have been made. 

Failure to comply with this request may result in further legal action being taken against your agency for non-compliance with federal law. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX