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

I have been attempting to pay off an old debt that is marked as charged off on my credit report. This is relating to an old department store credit card for Macys. It is my understanding that the credit is through CITI Bank and when calling general customer service I was directed to XXXX and XXXX. Any time calling these numbers and reach an agent I am told I am being transferred to the Macys recovery line. When transferred I have been on hold for over an hour and have not been able to reach an agent to discuss or pay off the debt owed. This has happened on multiple occasions most recently I attempted to reach by phone on XX/XX/2020. I attempted to escalate the situation and speak with a supervisor but all agents at these numbers insist that no one else can help me and that they do not have a direct number to call the Macys recovery area, they can only transfer my call to a queue. The last time I attempted to call on XX/XX/2020 I demanded to not be transferred to this Macys recovery black hole where no one answers as it is completely unreasonable to wait over an hour and still not have an agent to speak to. The agent transferred me anyways - did not care at all about my problems or concerns and disregarded my request to speak with his supervisor. Is this normal for CITI customer service to not have steps to escalate phone calls and do the complete opposite of the customers request? This is unacceptable to treat customers this way - just pass them into this black hole queue and to not transfer my call to a supervisor when requested. I have also sent an email to the citi executive email box, on XX/XX/2020, and have not received a reply or phone call regarding my issue. I do know the email was received as I did receive an auto response email I just want to try and pay you the money I owe you - can someone please call me to discuss this? Or can I please get a phone number that is not a black hole of holding?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had a couple lf ulitlies bills I was not aware of due to change of address. I paid off the bills in full around XX/XX/2020. There is still a serious delinquency on my credit report. Experian has not fixed this issue.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE. 


I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( XXXX ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT. 





THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX : Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX : Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  : Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX : Account number : XXXX Date opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805.

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN PRODUCING COMPLAINTS FILED AND POSSIBLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
Product: Debt collection

Today, some collection agency named Avante USA reported a {$1100.00} collection account on my XXXX XXXX credit report. I have never heard of this agency before, and they have never tried to contact me in any way. Fair collection law provides that a collection agency is required by law, to make an individual aware of a debt, and give them 30 days to contest it, or resolve it, before it just appears on one 's credit report. However, Avante USA never allowed me such a chance.
Product: Student loan

I co sign a private loan with Wells Fargo, I have paid over XXXX, XXXX towards the private student loan. Out of all the money i have paid I still owe more that what the initial loan was for. The loan was for XXXX and I owe XXXX. I have paid over XXXX. The loan was taking out XX/XX/XXXX. I started repayment XX/XX/XXXX. This is unfair to how much interest I 'm paying and nothing is being applied to the principle balance. They will not allow me to lower the interest rate after several attempts.
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, we must remove any incorrect accounts from my credit report. Could you please check the documents? Some listed accounts are inaccurately reported with incorrect amounts and dates.
Product: Debt collection

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to zero or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.
Product: Credit reporting or other personal consumer reports

I no longer live at the address listed on my credit report, and I no longer have the employer listed on my credit report.
Product: Credit reporting or other personal consumer reports

Hello! I tried calling Equifax earlier today but was unable to get reporting issue resolved I think I was misunderstood. My Equifax score 2 days ago days ago was XXXX and as of XXXX it changed to XXXX it decreased over XXXX points and I cant figure out why. I looked to review any changes via XXXX XXXX and it stated there were over XXXX remarks added! How is it that, that many remarks were added in such short period of time and non are collections or anything of that nature and my score dropped that much. I have been diligent with my credit and this is the second time this happened where some data is being pulled and my score drops over XXXX points. The first time was back in XXXX and it had since, been resolved but now it happened again. Please, review as my score prior to this data error was XXXX and now has dramatically impacted me. Please review my Equifax report from XXXX and XX/XX/30 and update my scores as they were prior to the data error as this is a misrepresentation of me. Please update immediately as this is an error and go back to my report prior to XXXX to update as it was. Thank you in advance for your help in this matter! 

Again, there are no reasons that I am aware of where my score would have dropped that way. Again, I appreciate your assistance in this matter, as this is negative way affecting me since its happened in the past I tend to keep monitoring my report for discrepancies and thankfully, I do as this is unacceptable.
Product: Credit reporting or other personal consumer reports

A charge off on XXXX is showing charged off on two different dates? How is this possible and there was never any 1099c sent to me? Also I believe this is a serious violation. Furthermore they reported id completely different on transunion credit reporting agency? This shows how XXXX XXXX XXXXs not following federal policy. Also how can it be reported as paid in full from one agency but charge off on another with a balance? I have disputed these inaccurate reports but nothing has been done other than updating new dates to keep this inaccurate information on my reports? I included both XXXX report so it can be compared to XXXX and also EQUIFAX due to inaccurate reporting. Due to multiple inaccuracies and multiple violations to my rights i demand immediate removal of this accout from all three reporting agencies.
Product: Credit card

XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have received a letter from Synchrony/Care Credit claiming poor credit/payment history/etc as an excuse for them to consitently lower my credit limit with them. They continuously do this even though I have a clear and consistent history of not only paying my bill on time, but have in fact overpaid on every monthly installment ( my previous payments this year alone have been $ 150 monthly -- this past month being the exception at {$100.00} -- with the minimum payment due being about $ 60 monthly ). I share this account as a joint account in name with my father, who I am not currently on speaking terms with. However, he does not use the account nor does he make payments. I called in XXXX this year to address the issue, to see if I could get my previous limit back or open another seperate account in my own name so this no longer occurs. They would not allow me to do either. As such, even though I have used this account and made proper, on time payments in good faith, Care Credit is not only damaging my credit with themselves by continuously and needlessly reducing my credit limit with them, they are artificially damaging my credit score by reducing what credit I have available to me, as well as damaging my credit utilization by reducing the limit down to dollars of what I currently owe ( In XXXX of XXXX, I had a credit limit of {$2000.00} and an available credit of {$570.00}. Now in XXXX of XXXX, I have a credit limit of {$1400.00} with an available credit of {$40.00}. In XXXX of XXXX, my credit limit was reduced to {$2200.00}. In a year 's time, my credit limit has been reduced {$880.00} even though I remain in good financial standing with Care Credit. I have not used my card at all in this time ; the lack of credit is soley from them reducing my available credit, not due to any purchases, fees, etc ) I do not have any other credit cards or services that treat me this way, and this is financially damaging to me as someone who is trying to build their credit. On my credit report, I have good payment history, a very low percentage of late payments, and very few derogatory marks. I do not have poor credit to where I should be constantly having this issue. And for this company to attack my credit even though I have had nothing but good payment history and high payment amounts demonstrates their lack of transparency and deceptive practices.
Product: Consumer Loan

I took a cruise on the XXXX XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX. While on the cruise, I purchased artwork from Park West gallery. I purchased artwork on XXXX XXXX totaling {$250.00}. I then purchase additional artwork on XXXX XXXX totaling {$420.00}, for a grand total of {$670.00}. 
I received a bill from GE Capital Retail bank ( the bank ) in XXXX XXXX for a total of {$480.00}. The total sum was covered by a promotional deferred interest on the balance if paid in full by XXXX XXXX, XXXX. The current amount due was a minimum payment of {$25.00} by XXXX XXXX, XXXX. 
A payment of {$30.00} was made on XXXX XXXX, XXXX and successive payments of {$30.00} were made no later than XX/XX/XXXX through XX/XX/XXXX. A payment of {$330.00} was made on XXXX XXXX, XXXX, representing the full balance due. I received a statement from the bank in XXXX, XXXX, indicating that the balance was now XXXX. 
Nearly a year later, I took cruise on the XXXX XXXX from XXXX XXXX to XXXX XXXX, XXXX. Upon checking my XXXX XXXX ( XXXX ) XXXX after the cruise, I noticed a charge of {$180.00} to XXXX dated XXXX XXXX, XXXX. As we did not purchase any artwork on this cruise, I immediately contacted XXXX and disputed the charge. XXXX removed the charge, however, I received a letter from XXXX XXXX XXXX/Synchrony Bank ( Synchrony ) dated XXXX XXXX, XXXX indicating that they were investigating the disputed transaction. 
I received a bill from XXXX in XXXX, XXXX, indicating that I had a {$180.00} balance due from a transaction dated XXXX XXXX, XXXX. As I did not make a purchase on that date, I did not make any payment. Apparently, it makes no difference to Synchrony, since I am still receiving bills from them with ever increasing interest amounts for a purchase I did not make. After checking my receipts, I now realize that the bank made a mistake on the amount owed in XXXX, however, I am appalled that Synchrony tried to charge my XXXX account over a year later without authorization or notification that there was any outstanding debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Notice of Dispute Regarding Inaccurate and Unverifiable Information on My Credit Report Dear Consumer Financial Protection Bureau, I am formally submitting this complaint against Equifax through the CFPB regarding their failure to conduct a proper and thorough investigation into inaccurate and unverifiable information on my credit report. This is my third dispute concerning this matter. Despite my previous two formal requests for an investigation, Equifax has continued to report erroneous information without properly verifying its accuracy. 

Specifically, I am disputing the following account : **Creditor Name : ** XXXX XXXX XXXX XXXX XXXX*Account Number : ** XXXX Equifax has failed to comply with its obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation into my disputes. The inaccurate and erroneous information contained within this account has negatively impacted my credit profile. As proof, I have attached screenshots of the incorrect data and details regarding the inaccuracies that Equifax has refused to correct. 

Additionally, Equifax is illegally re-aging this account by reporting a " charge off '' status every single month. A charged-off account should not continue to be reported with a " charge off '' status on a monthly basis. By doing so, Equifax is improperly extending the statute of limitations for when the account is scheduled to be removed from my credit report. This illegal practice makes the charged-off account appear newer each month, unfairly damaging my credit. Furthermore, Equifax is depriving me of the opportunity for the account to be removed as mandated by law when the time period expires. 

I demand that Equifax immediately delete this account from my credit report, as it contains unverifiable and erroneous information. Should Equifax fail to take corrective action and remove this account from my report, I will be left with no choice but to pursue legal action to enforce my rights under the FCRA. 

I trust that the CFPB will take my complaint seriously and ensure that Equifax complies with its legal obligations. Please provide written confirmation of the actions taken to resolve this matter at your earliest convenience. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2019 I became aware that a PayPal Credit Account was opened and used with my personal information at once I contacted the Bank `` Synchrony Bank '' to report the fraudulently opened account. A week later I received a fraud affidavit form and I then completed its entirety mailed it back to Synchrony On XX/XX/2019 I received a telephone call regarding the complaint the investigator mentioned various transaction which was fraudulent. 
On XX/XX/2019 I received a letter denying my fraud claim for, 1 ) Customer failed to cooperate with reasonable investigation 2 ) Customer released account information to a third party 3 ) Customer accepts responsibility for the charges All of which are not True I have made numerous efforts to get the fraud claim resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Experian LLC 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. 

XXXX XXXX XXXX  Original creditor : XXXX XXXX Account number : XXXX XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX Account number : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account numberXXXX XXXX XXXX XXXX Account number : XXXX XXXXXXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX - Inquiry date - XX/XX/2021 XXXX - Inquiry date - XX/XX/202XXXX XXXX
Product: Credit reporting or other personal consumer reports

To : Carrington Mortgage Dispute Department Date : XX/XX/2023 Fax : XXXX Subject : Written request to remove non-payment reporting to credit agencies From : XXXX XXXX XXXX XXXX XXXX XXXX Colorado XXXX, CO XXXX Loan Number : Removed Dear Carrington Mortgage Dispute Department : It recently came to my attention that my escrow account was continuing to be below funding as of XX/XX/2023. I was not aware of this, and I continued to make my {$3200.00} mortgage payment as I have over the years ( never late for 6 years ). I received notice that my payment was delinquent for the month of XX/XX/2023, which I paid on XX/XX/XXXX. I was then informed by my credit monitoring system that there was a delinquency reported. 

The reason this happened was that my mortgage payment had gone up by approximately {$44.00} per month which I just learned by calling your customer service. I have since paid any outstanding balance of approximately {$85.00} and would appreciate it if you would remove this notice of non-payment to the credit reporting agencies. This has significantly impacted my credit rating and was not intentional on my part. 
Please feel free to call me at XXXX or email me at XXXX. I am happy to discuss this in person. 

Thank you for your understanding and assistance. 

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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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
Product: Debt collection

This account is not mine nor does it belong to me. I need this account deleted immediately WELLS FARGO
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. 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 that Credit Bureaus are responsible for their 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit card or prepaid card

I had a Bank of America Credit Card, when i came here to the US 2013 for an Internship. After 3 months I went back to my home country XXXX and that address no longer mine and i never received any updated about the credit card. It appeared there was small amount left to be paid on the credit card, although there was more than 5000 in the checking account i could of easily paid but i was not aware that i had payment. It looks like 30, 60 90 days passed on that credit card and after finally learned about it when i visited back to the US i paid it completely. Now i moved to the US for a full time Job. And I'm having problems renting a home because they see this remark on my account. I apologies for this trouble, but as you can see in the past 3 years i never missed a payment, this was an honest mistake as i never knew about the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit file, there are 2 fraudulent credit cards and a utility account opened using my information that I did not authorize. Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I noticed four fraudulent hard inquiries. I contact Experian to let them know about this fraudulent activity and I also log in to my Experian account online to lock my credit report to prevent this from happening again in the future. Please remove these four fraudulent hard inquiries from my credit report XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/2019
Product: Mortgage

I have received multiple mailing from this bank, each time I submitted the requested information and then call to verify that everything is ok. They keep emailing me with different excuses and pushing to buy an insurance policy on my behalf which then gets clarified after I call them. 

Couple weeks ago I called them and after over 30 minutes reviewing my information the agent said that I was " good to go and that there was no need to be worried about them buying a policy because all my docs/ proof were fine ''. 

I was charged for an insurance policy still. When I called again ( XX/XX/XXXX ) they said that there was a lapse in coverage from XXXX XXXX XXXX  which doesn't even match their last communication. 

After asking the agent to check the notes from my previous call she said that " there still a period without coverage '' I mentioned that all docs shows that its not the case and when asked her to escalate this to a supervisor she hanged up. 

This is an illegal practice and this bank is taking advantage of the insurance excuse to make money out of consumers. I provided ALL PROOFS of coverage and they still bough a policy. 

PLEASE investigate this illegal practice, demand the FULL REFUND of the illegally purchased policy and have them fined for trying to take advantage from borrowers. 

Misleading Letter and easy to read/ find proof of insurance purchased attached ( page 5 on the second attachment and page 7 on the third )