23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I made a {$160.00} payment at Macy 's store for a credit card bill that was erroneously applied to my in store account.I called customer service and the amount was transferred to my credit card balance. I received a check dated XXXX/XXXX/XXXX for the amount of {$160.00}. I knew it was another error on their part so that check was never deposited on my part. On XXXX 2016, I found out I was billed {$160.00} for in store balance, so I called customer service and I was assured their error would be corrected, and my in store balance would be {$0.00} as it should have been in the first place. On XXXX XXXX, I checked if they kept their word, now my balance is {$180.00}, which was {$160.00} plus interest for " late payment. '' I have to call again, and a male customer service without saying anything just put me on hold. I have been on hold for the past XXXX minutes now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continues to report inaccurate information on my credit report and I have contacted them several times to remove the inconsistencies. Please review uploaded documentation a response from the creditor and remove ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on 3.11.19. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts.

For yet another time, my personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts.

Below are the fraudulent charged accounts that I need to be removed Asap : XXXX XXXX Opened Date XX/XX/XXXX, Balance {$6700.00} XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$65.00} I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC report
Product: Debt collection

We tried for years to get the medical  debt straightened out with XXXX XXXX. We never owed this as it was a clerical error from the doctors office. Our insurance covered the procedure per our policy. Charge was from 8 years ago. They would tell us it was all set as it was 100 % covered by insurance, then contact us a year later to collect again. This went back and forth for a few years with my husband making several phone calls. We then no longer heard anything for years. We assumed they finally got it coded correctly until we found it on our credit. We contacted the collection company who said we had to pay it or face bad credit. We asked to talk to the doctors office but they stated they wouldnt talk to us since it was in collections. We paid it in full just to get rid of it. Our credit was affected anyway.
Product: Checking or savings account

I filed a fraud claim back in XXXX of last year and I still have not received {$2700.00} dollars of my fraud claim of almost XXXX XXXX dollars. I filed these fraud charges together at one time, when I discovered it, to Bank of America, here in XXXX. XXXX Mo. I was refunded all the funds except {$2700.00}. It was all fraud, the entire claim. But I was told the reason why I did not receive the {$2700.00} dollars, was because some one working at the bank withdrew my claim, so I would not receive all my refund from my fraud case. I did not withdrew any part of this claim, but the employee working at the bank did it without my knowledge or consent. I would like to have all my fraud claim refunded. I sent in the police report regarding the matter. I want them to honor the whole fraud claim because I did not make these charges.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had three late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX XXXX  Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.a derogatory mark on my credit report per XXXX  XXXX, Experian Upon further research, this account was transferred/ sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written form of communication, contract for this accused debt at all or signature for this does not validate the debt and anybody can be sent a bill and say its mine. According to the FCRA, XXXX. XXXX  has violated my rights as a consumer and I'm requisitioning legal action to remove this account immediately. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information in my credit report, as provided under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). The information pertains to the account with XXXX XXXX and includes several inaccuracies that need correction. 

The account information in dispute is as follows : **Account Information : ** - **Account Number : ** XXXX - **High Balance : ** {$25000.00} - **Last Verified : ** XX/XX/XXXX - **Date of Last Activity : ** XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) - **Date Reported : XXXX XX/XX/XXXX ( XXXX and XXXX ), XX/XX/XXXX ( Equifax ) - **Date Opened : ** XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX and Equifax ) - **Balance Owed : ** {$21000.00} - **Closed Date : ** XX/XX/XXXX ( XXXX ), not provided by XXXX and Equifax - **Account Rating : ** Derogatory - **Account Description : ** Joint - **Dispute Status : ** Account not disputed - **Creditor Type : ** Credit Unions - **Account Status : ** Closed - **Payment Status : ** Collection/Chargeoff - **Creditor Remarks : ** Charged off as bad debt ( XXXX ), Unpaid balance reported as a loss by the credit grantor ( XXXX ), Charged off account ( Equifax ) - **Payment Amount : ** {$0.00} - **Last Payment : ** XX/XX/XXXX ( XXXX and XXXX XXXX, XX/XX/XXXX ( Equifax ) - **Term Length : ** 60 Month ( s ) - **Past Due Amount : ** {$21000.00} - **Account Type : ** Unsecured loan - **Payment Frequency : ** Monthly ( XXXX ) - **Credit Limit : ** {$0.00} - **Two-Year Payment History : ** Inconsistent reporting across the bureaus This information is inaccurate for the following reasons : 1. **Date of Last Activity : ** Conflicting dates across XXXX XXXX XXXX, and Equifax XXXX 
XXXX. **Date Reported : ** Different reporting dates across the credit bureaus. 
XXXX. **Date Opened : ** Discrepancies between XXXX and the other bureaus. 
XXXX. **High Balance and Balance Owed : ** Discrepancy in high balance reported by Equifax . 
XXXX. **Creditor Remarks : ** Differing comments about charge-off status and loss reporting. 
XXXX. **Last Payment Date : ** Different last payment dates between the credit bureaus. 

Attached are copies of my credit reports from XXXX, XXXX, and Equifax, highlighting the discrepancies in the information reported by each bureau. Additionally, I have included any supporting documentation that can help verify the inaccuracies mentioned above. 

I request that you investigate these matters and remove or correct the inaccurate information from my credit report. According to the Fair Credit Reporting Act, you are required to verify the disputed items within 30 days. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit card XXXX XXXX XX/XX/XXXX FRCA Violation real estate loan late payment XXXX CARES ACT Violation personal loan late paymentsXX/XX/XXXX FRCA Violation other loans XX/XX/XXXXXXXX FRCA Violation hard inquiries XX/XX/XXXX XXXX FRCA Violation collections NCB MANAGMENT SERVICES
Product: Credit reporting or other personal consumer reports

I got a credit card, {$10000.00}, opened in my name. I filed a dispute with Experian and they came back and said the account with the credit card company, XXXX XXXX was verified. I contacted Experian by phone and let them know the card was opened due to fraud. They said I would need to contact the credit card company and let them know. Also, I should submit a police report and ID to Experian. 
I contacted XXXX XXXX and they agreed with me that the card was fraud and the address used in New Jersey was not mine. I then submitted a police report and ID to Experian as requested. 
The card and address used was due to identity theft. I have done everything Experian has asked, but they still refuse to remove the card from my credit.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX, is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX, never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX ( XXXX ), Account number : XXXX XXXX ( XXXX ), Account name : XXXX XXXX ( XXXX ), Account Name : XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Has violated my rights. 15 U.S.C1681 section 602 A. states I have the right to privacy. 15 U.S.C1681 section 604 A. section 2. it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C1681c. ( ax5 ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information in inaccurate. Due to these issues on my report, I am having a hard time to provide for my child! I'm unable to get an apartment. I'm unable to secure a loan for school to better my career due to these discrepancies.
Product: Credit reporting or other personal consumer reports

This is a letter of mayor importance, I recently send a letter due to fraudulent activity on my consumer report. No changes have been made with the investigation. I have never applied for capital one and there are several Capital one accounts in my name. This were open fraudulent and I asked they are removed as soon as possible. Thank you for your time on this matter. 

XXXX XXXX opened XX/XX/scrub> 2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.
Product: Checking or savings account

Hi, on XX/XX/XXXX, I tried using my credit card but it got declined. I tried using my debit card but it was declined as well. Later in the evening, I called my credit card company and they informed me that my account has been closed and that I should've received a letter about it. Upon checking my mailbox, I discovered a letter from my bank explaining the changes to the account terms. In particular, it shared the changes to the new minimum payment calculation, and the fee changes to. my cardmember agreement. I proceeded to call them again and they stated that they're not privy to any of the information regarding the closure of the account and all that they can see on the file is that it was due to unexpected activity. 

The following day, I called the number on the back of my debit card, and after 3 transfers they shared the same information : they don't know why the account has been closed but that I should be receiving a letter explaining why. 

The day after that, on XX/XX/XXXX, I visited a branch of Chase bank on XXXX XXXX in XXXX, XXXX. The staff there too couldn't offer any explanations. However, they were able to help me withdraw my funds from my checking accounts. 

Later in the evening, I finally came across the letter from Chase regarding the closure of my accounts. All it stated was that my accounts were being closed due to unexpected activity on one of my Chase accounts. I went on to call the number listed in the letter and the representative too was unable to offer any further information. After some further prodding, the representative did finally divulge that it was the bank 's global security and investigation that made the ultimate decision. 

I have sifted through my account activity for the past few months and have failed to see or detect any kind of unusual activity. This entire ordeal has been painful and difficult. I've been a client of Chase bank since XXXX and now I need to open a new bank account and apply for new credit cards. I'm not even sure how this might impact my credit score or if there might be other repercussions. I'd just like to know what happened and what I did wrong.
Product: Debt collection

The calls start at XXXX most times I am called 2-4 times a day every day yes I do owe them money but calling me back to back wo n't get it.
Product: Credit reporting or other personal consumer reports

Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # [ Enter Complaint # from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I disputed before and these collections have once been removed and have now since been added back. I requested validation of debt and I have not receive anything. I also sent the letter certified to make sure it was received. I would like all the Medical Collections from XXXX removed from all my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. is an account reported on my TransUnion credit report on XX/XX/2018. I have absolutely no previous business with this company. I dont know who this company is. This is Fraud! I need this to be deleted and removed from my credit report immediately please.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED Please take urgent action to remove the fraudulent ACCOUNTS from my credit report, as they were not authorized by me and are causing me significant distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was falsely reported to IQ Data Inc by XXXX XXXX 's manager XXXX in XX/XX/2022 because they claimed I failed to provide 60 days notice of move out. A debt was placed in my name and sent to IQ Data Inc, who contacted me by mail on XX/XX/2022. After several conversations with Property Manager XXXX XXXX and XXXX XXXX  Manager XXXX XXXX, I was told to resolve the issue on my own. 

I contacted IQ Data Inc and provided proof of my 60 day notice via email on XX/XX/XXXX and XX/XX/XXXX. They confirmed receipt both times, and sent the document to processing. On XX/XX/XXXX I contacted IQ Data again, who claimed that there was no documentation attached to my file. I resubmitted my evidence, and received verbal confirmation that they received my email. I contacted them again on XX/XX/XXXX, when I was told that the department that handles disputes had sent out two dispute emails to XXXX XXXX but had not received any response. I was told all I could do was wait. 

I contacted IQ Data Inc again on XX/XX/XXXX and was told that the dispute department had no made any progress on my case, nor had they made any additional attempts to contact XXXX XXXX. I was once again told to wait it out. I contacted them again, today on XX/XX/XXXX and was told that the dispute department had not made any additional contact attempts since XXXX of XXXX and that all I could do was 'try and send them an email and see if they will do anything for you. '
Product: Checking or savings account

" On the XXXX of XXXX, XXXX, I was offered a {$100.00} bonus by Citibank while I was online on my XXXX account. The offer required me to make two consecutive direct deposits of {$250.00} each into my checking account, which had a XXXX balance at the time. The terms stated that upon completion of these deposits, the {$100.00} bonus would be credited to my account within a span of 30 days. 

However, even after meeting the stipulated requirements, Citibank is now refuting the existence of such an offer. 

This is not the first instance of such an occurrence. This is the second time that Citibank has reneged on their bonus offers extended to me. 

Previously, I had to resort to filing a complaint against Citibank to rectify their refusal. Now, I find myself in a position where I am compelled to file another complaint for this offer. 

This seems to be a recurring issue with Citibank and calls for a more thorough investigation into such practices. ''
Product: Debt collection

I have XXXX collection debts due to Identity theft. I've never open any of these accounts.
Product: Credit card or prepaid card

I recently opened Bank of America Unlimited Cash Rewards Visa signature card and, within few weeks of use, started seeing unexpected " foreign transaction '' fees popping up, few dollars here and there. 

At first I thought that my account was compromised : I never made a purchase in a foreign currency, with foreign merchant, or traveled outside US since opening this card. 

But then I realized the fees must have been " related '' to an art fair happening in XXXX ( ticket price : {$98.00} ) and a concert happening in New York ( ticket price : {$55.00} ). I made a purchase from a US merchant based in California ( XXXX ), and in US dollars. What makes these purchases " foreign '' is completely beyond me. 

This is a direct violation of cardholder agreement with Bank of America that states only purchases made in foreign currency or with a foreign merchant while traveling abroad are subject to this fee. 

This is also a serious breach of trust. It is impossible to know in advance which purchase will be classified as " foreign '' by bank of America. You will only find out after making a purchase. The practice is not disclosed during advertisement of application process. 

Buying a new watch on XXXX XXXX in New York? Better not be Swiss a watch, don't shop at XXXX or pay a foreign transaction fee. 
Hungry and want a sandwich from XXXX XXXX  XXXX? It is a British fast food chain, you will pay foreign transaction fee. 
Shopping at immigrant-owned business or dining at a Mexican restaurant? There is clearly a foreign connection here. 

My salary is deposited to a Bank of America checking account, and I am now worried that Bank of America is going to invent a " salary deposit fee, '' better check my statement carefully. Or even better, find a new bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY ID ALONG WITH MY SOCIAL AND OTHER PERSONAL INFORMATION TO OPEN FRAUDULENT ACCOUNTS IN MY NAME. I HAVE INCLUDED MY POLICE REPORT AND ID THEFT REPORT.