23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a card account by Synchrony at the Lowe 's store. It took a long time to get my card and apparently it was sent somewhere else before they sent a new one to me. At that point the person who recieved my card originally stole my identity and has started creating multiple credit cards with the synchrony company in my name. I have submitted a fraud alert on my name twice since then! I would like any applications to the this rediculous card company to be blocked because I will never personally apply for a card through them, and any other applications are fraudulent! Please stop letting people steal my name and credit, because you are too money hungry and ruin people 's lives by not doing the proper background checks to actually verify a person 's identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account that was not established by me was erroneously reported to the 3 major credit institutions. This complaint is regarding Equifax. I disputed the account with them, during which I provided a brief statement that the account was unknown to me. They closed the dispute simply stating that my credit report had been updated with that short comment when the appropriate response was to follow up on the incorrect entry and have it removed. Called and after spending 30 minutes on the phone I was able to verify that no action was actually taken to investigate/remove the incorrect account.
Product: Credit reporting, credit repair services, or other personal consumer reports

show tooltip button XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXX filed ftc 40 days ago
Product: Checking or savings account

On XX/XX/XXXX, around XXXX, we noticed unusual activities on our Chase checking account ending XXXX. We called to report the incident but the Fraud dept was closed for the day so we decided to go in person to Chase bank branch, XXXX XXXX XXXX XXXX, XXXX XXXX, but was advised to call their XXXX # that handles fraud claim. Once we settle the issue, the bank decided to temporary close checking acct XXXX and open a new one ending XXXX and refunded all the missing funds to this new account. On XXXX XXXX, we received a notification that we XXXX {$2000.00} from the new checking account to someone we don't know. We also noticed, there were about 6 names added to the list of my XXXX recipient that we dont recognize, and we are unable to delete these names from our end. We called the bank immediately to inform them that the {$2000.00} was unauthorized transaction and it must be cancelled ASAP while the transaction still pending but their Fraud Dept was already closed. We called the next day and was told it will be investigated. 2 days later, we received an email from Chase confirming the completion of their investigation and according to their investigation this is authorized. We disputed their decision and asked if they can show us proof of their investigation and decision. We waited more than 2 weeks before receiving the letter which states that our claim was denied based upon a review of account activities. We asked if they can provide us more information as to IP, geo-location, manner of authenticating login, etc. But, was told their decision is final and the case is closed. We can file a police report if we wish to reopen the case but there's not guarantees. 

I did not authorize this $ XXXX that was sent to a recipient we did not recognize.
Product: Credit card or prepaid card

In early XXXX, I opened a new Wells Fargo card to transfer over a balance from a XXXX XXXX where the rates had gotten too high. I filled out a balance transfer from XXXX card to the Wells card in an amount well over $ XXXX. Then I waited. The transfer charge hit the new account on XX/XX/15 but as of yet has not hit XXXX card. So I am now paying fees on both cards instead of the simple balance transfer to new card. XXXX can't seem to figure out where the $ XXXX went and why it did not hit the target XXXX account, however they have told me it may take 90 days to resolve. This is unacceptable practice. The funds should be credited immediately until they can locate them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished Lexis Nexis, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX My employer is : XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX The following addresses are not mine please delete : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

This is my 5th attempt to exercise my right under the Fair Credit Reporting Act, Section 609, to request information regarding items that are listed on my consumer credit report : XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account Number Not listed on the report Bankruptcy Public Record. U.S Bankruptcy court As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
Product: Debt collection

At this juncture i will like this report to be forwarded to the FTC against PORTFOLIO RECOVERY ASSOCIATES for abusive practices, and numerous violations of FDCPA rules. In a previous complaint number XXXX that has been closed, the company removed the false reporting from the credit bureaus but continued to send me notices and i responded to their notices the same way i have in the past, and again i check my credit reports today XX/XX/2020 and see they have AGAIN resisted andplaced this collection item back on my credit report after the removal It seems that PRA only removed the item to have the original complaint closed only to relist it again on my credit report. The LAST LETTER i received from PRA was DATED XX/XX/2020 and not even 3 weeks later they are again reporting this false item on my report without even waiting 30 days for a response yet again another violation from this agency. 


I have no debt with THIS collection agency. I have not agreed to the " assignment '' of the debt in writing or verbally. I have not received goods or services ( consideration ) from this collection agency. Your agency has sent a letter deeming this matter closed as your agency removed the account from my report and to date I find it relisted on XX/XX/2020, I will be taking more aggressive action against your agency, If your ( PRA ) agency fails to immediately remove fraudulent reporting on my credit reports which will result in a suit for monetary damages. 

I request that you and your agency provide me with the following good and valid evidence that is provable in a court of law : 1 ) a valid copy of the original SIGNED contract with the original creditor or an original written confirmation of evidencing the transaction resulting in the indebtness to the original creditor. Computer documents or a bill or electronic evidence created after default on the indebtedness shall not qualify as such documentation. 

2 ) a valid copy of the original statements from the original creditor showing the balance amount of the debt owing ; 3 ) A letter/contract of assignment attached with proof from the original creditor to PORTFOLIO RECOVERY ASSOCIATES, LLC that grants PORTFOLIO RECOVERY ASSOCIATES, LLC the authority to legally collect on the debt ; I have not agreed to the " assignment '' of the debt in writing or verbally. 

4 ) Proper and complete written notice concerning the debt ; 5 ) Valid proof from the original creditor of my clear consent to disclose my personal and business information to your agency a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2021
Product: Debt collection

I received a letter dated XXXX XXXX, 2014 from Kimball, Tirey, & St. John LLP to pay a judgement against me for unpaid rent owed to XXXX & XXXX XXXX. The letter said the debt will be assumed to be valid unless I notified them within 30 days that I dispute the amount owed. I responded within the thirty days informing them that I was never given an itemized statement at move out showing how much and where our security deposit was applied. 

I also went to see XXXX XXXX XXXX ( who sent the letter ) around this same time and I was informed to start making small payments but my request for Kimball, Tirey, & St John to obtain an itemized move out inspection showing where my security deposit was applied was never followed up on. Therefore I disputed all the debt as I was unable to calculate their interest charges without knowing my exact balance owed minus my deposit. 
I am still waiting for the itemized move out sheet required by law showing where my deposit was applied
Product: Debt collection

I received a debt collection notice from National Credit System ( NCS ) regarding my refusal to pay a debt owed to XXXX on the Lake for carpet replacement in the amount of {$1000.00}. This is a debt that I was totally unaware of and do not owe. I have contested this bill and requested proof of the allegations and NCS would not provide any additional information regarding my request. Instead they were threatening me to pay this bill without any explanation as to how XXXX came to the conclusion that I was responsible for total carpet replacement in my apartment without notifying me of the damages. I provided them with my copy of the final walk thru paperwork that the XXXX management team completed which made no mention of the carpet needing to be cleaned, repaired or replaced. I lived in the apartment for two years and three months prior to my departure I received my free carpet cleaning from the XXXX Maintenance Staff for renewing my lease. NCS has reported this erroneous information to the credit reporting agencies, and now my son and I have this negative information on our credit report without a thorough explanation or proof of damages.
Product: Credit card or prepaid card

I opened Amex Hilton card in XX/XX/2020 and upgraded it to Amex Hilton XXXX XXXX in XX/XX/2020, which includes a benefits of {$250.00} XXXX XXXX credits for each membership year. From my understanding, the membership year begins in XX/XX/2020 but Amex states that the start point is XX/XX/2020. The condition for the Hilton XXXX card states " Your first reward year begins on your account opening date. '' which doesn't clarify the meaning of the account. Since this is the terms and condition of the XXXX card, it's naturally to think the account stands for the Hilton XXXX credit card account but not the Hilton credit card account. American Express didn't provide any explanation or reminder of the expiration date of the credits and refused to recover the credits for the customs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a loan with XXXX about three years ago and forgot about it since then. They have closed it and charged the data off and reported it on my credit report every single month for the past three years. 29 derogatory marks. I called today and tried to speak with somebody about paying off the lien and getting a XXXX balance letter. I recorded the phone call and in the phone call the man said that he could not send a XXXX balance report. He said that he had to go through XXXX procedures. I explained to him that he can not do that because there are certain consumer financial protection laws that do not allow XXXX  to handle these things for them selves. He then admitted to breaking consumer financial protection laws on recording, then hung up on me. They will not answer my calls. They will not allow me to pay the balance. There are no loan documents either.
Product: Credit card or prepaid card

I have a charge for {$51.00} on my  AMEX  Serve Card that I attempted to dispute with card. I had previously attempted to reach merchant several times via email and phone. I was unsuccessful in reaching merchant. Due to extenuating medical circumstances and failed contact with merchant, on  X/XX/17    I reached out to  AMEX Serve Card  to dispute charges for items not received from the merchant. The Card company agent me informed that too much time had lapsed and that could not dispute my charges due to there system would not allow them. I requested the call to be escalated, nevertheless, the Card company agent continued to overlook my concerns. The agent  XXXX , identified herself as a Account Manager but could not provide me with a physical address to write my dispute regarding my claim. The agent told me there was nothing she could do because the computer system would not allow her. I again requested that my issue be escalated to a higher level. She claimed she was going to transfer me to another  manager  but then the call was disconnected in the so-called transfer process. This is not a line of credit, this my own money deposited on this card, and I 'm being denied opportunity to have issue addressed.
Product: Credit reporting or other personal consumer reports

Violation of 15 U.S. Code 1681s-2 : It has come to my attention that any payments during the COVID-19 pandemic are required to be deferred or forgiven. Despite this, my credit report reflects payments that were neither deferred nor forgiven, which is a clear violation of the law. 
2. Violation of 15 U.S. Code 1681 ( 4 ) : I have a right to privacy, and if I consider my payment information to be private, it must be deleted from my credit report. I hereby request the immediate deletion of all payment information from my credit report.

3. Violation of 15 U.S. Code 1681 ( a ) : Any transaction between myself and the creditors is required to be excluded from my credit report. I request the immediate exclusion of all such transactions from my credit report.
Product: Credit card or prepaid card

Kohls Dept store reported a late payment in XXXX XXXX XXXX  I explained to kohls via phone records and via certified Mail that my consumer rights were violated as per 15 US code 6802 B. 

Kohls violated my consumer rights and didnt conduct a proper investigation on their behalf to resolve the issue. I asked for additional information and proof of investigation, and no information was provided to me. I was never given the option to opt out of reporting.
Product: Credit reporting

Equifax dropped my credit score XXXX points for XXXX inquiry from credit plus for a mortgage inquiry. The credit score went from XXXX to XXXX WHY DID MY SCORE DROP XXXX PIONTS FOR XXXX INQUIRY??????? 
I am closing on a home and this has killed my credit!!!!!! 

RESTORE MY GOOD CREDIT!!!!!!! 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX SS # XXXX dob XXXX/XXXX/68
Product: Mortgage

I want to report the quicken loans / rocket mortgage company. I did a pretty approval XX/XX/XXXX and they did a credit check with my approval over the phone. Its almost 3 weeks I keep on calling and sending email for loan update. The mortgage Officer XXXX said its already in underwriting when I called 2 weeks ago. After a week I called and asked if they need any documents and she said all the paperwork I submitted is good. Since last week calling them no response. Yesterday XX/XX/XXXX I emailed their manager and file a complaint coz its been almost 3 weeks no update. The loan Officer XXXX called me and said I need to submit w2s and some paperworks again and when I submitted the docs requested I received a credit check alert. Its form the home mortgage company quickenloans. I called the loan Officer and asked why did you do a credit check again and now without my approval? XXXX the loan officer apologize and didnt explain. Today I received a call from the director of quicken loans and he apologized about their loan Officer XXXX and asked me they cant approve my loan because I dispute their credit check. I explained to the director that your agent didnt ask permission and she already checked my credit score 3 weeks ago and she already computed my monthly payment and said Im approved and it will be sent to underwriting. Director said my credit score fornVA loan is not good my score is XXXX. I told him I dont need an approval now I just dont want them to do a credit check and what they did yesterday checking my credit score without my knowledge and permission is bad! Thats my concern thats what I told him. He apologized. I told him I will report and dispute it to credit bureaus. 

This company should be asking permission coz I didnt authorize and allow to check my credit score because they already did 2 -3 weeks ago. They just apologize for their employees mistakes and didnt take any actions thats why I said I will find I different lender.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I never ever sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax XXXX XXXX due to their failure to accurately report my credit information, which has severely impacted my life for the past XXXX years. 

I am devastated by the ongoing struggle with both Equifax and XXXX  to correct inaccuracies on my credit report. This situation has profoundly harmed my life, preventing me from obtaining employment due to a lower credit score than I deserve. The inaccurate reporting is not only misleading but also fraudulent, misrepresenting my overall financial health. 

Despite numerous dispute letters and formal requests for correction, Equifax continues to report incorrect information. This has led to embarrassing situations, such as receiving debt collection letters that my mailman can see, all stemming from the mishandling of my information by credit reporting agencies. These agencies are not adhering to the standards required by law, and I feel helpless. 

Specific Issues : - Equifax XXXX XXXX continues to report inaccurate information despite my repeated disputes. 
- Equifax XXXX XXXX has not provided the names, dates, or contact details of individuals they spoke with during their investigations. 
- Outdated and incorrect personal information remains on my report. 
- Equifax and XXXX is violating my privacy by reporting this information without my written consent as per 15 U.S.C. 1681b. 

Supporting Documents : I have attached multiple dispute letters and affidavits sent to Equifax and XXXX, detailing my issues.
Product: Debt collection

XXXXXXXX XXXX XXXXXXXX a debt collection company by and through XXXX XXXX XXXX, who claims to be representing Discover Bank, and put a action in JUDICIAL DISTRICT OF XXXX, which is not the proper venue, and it appears that this " complaint '' was brought by a " third party " for a " alleged debt '' that was not validated or verified, by the alleged " creditor '' or a affidavit of debt, was submitted, after numerous notices of dispute was sent to the third party and DISCOVER, which was not validated in accord with 15 usc 1692g, or GAAP, as a consumer i never gave consent to contact " the consumer '' as i third party has no authority to do so 15 USC 1692C, XXXX XXXX is claiming to be a attorney without proper Power of Attorney form ( form 56 ) or a license for a debt collecting company in the STATE of Connecticut, and is using the JUDICIAL DISTRICT OF XXXX, to send abuse communicating in a attempt to get the consumer to default and for the consumer to file for bankruptcy, case number XXXX JUDICIAL DISTRICT OF XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file several dispute to the bureaus, and creditor in regards of the inaccurate, errors, name, addresses and derogatory items on my credit report.. It's well over 90 days and I haven't received any results nor correction or deletions off my credit report ... At this point the parties involved is in violation of the FCRA and compliance law.. 

pleas help me by assisting with making them comply and and remove the items off my credit report..
Product: Debt collection

On XX/XX/2019, I was notified by a credit monitoring service that a collection was added to my report by XXXX XXXX/ Capio Partners for a medical collection from XX/XX/2019. I called the number and asked what this was in reference to. The employee explained the debt and I told them I never received anything from their company regarding the debt so I could dispute. The employee stated that I was not notified because they did not have a valid address on file and was unable to reach me by phone. They asked could they confirm the address and phone. I gave her accurate information. I told them they could not add to my report without giving me a chance to review and file dispute. She stated they were sorry and I could pay the debt and have account deleted from report. I paid it so it could be deleted ; however, I never was able to dispute it. I have no idea what I paid and if it's mine. I do not recognize the original company ; however, I was desperate to have it removed so as not to interfere with my credit. I have paid debt, received no receipt or confirmation of deletion as promised via email. Company never gave proper notice nor chance to dispute and continue to report debt as owing and on my report when promised to delete trade.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items do not relate to any transactions I have made or have authorized. Please remove/correct this information at the earliest possible time. As required by section 611 of the fair credit reporting act, 15 USC 1681i, a copy of which is enclosed, i am requesting the items to be removed to correct the information. 

fraudluent inquiries XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy about 12 years ago on my credit cards not against my mortgage with Wells Fargo mortgage, they lied to the lawyer that I was behind and did not put my payments back on my credit report, I pay my mortgage on time, it is taken out of my account via from Wells Fargo to my bank account, that was the only credit I had, now it shows I have No credit. Thank you. Wells Fargo company is something. They lied and said that it was the lawyer, however, the lawyer and I contacted them and told them they lied. However, it did not change.