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

I hold an Old Navy brand family credit card issued by Synchrony Financial Services. The issue occurring is reward certificates are being double issued. Duplicate copies of the same certificate would be sent to two different people. Some time in XXXX the customer service representative was able to tell me when and where the certificate was used. This helped to validate it was not me who used it. E.g. I live in NH and was told it was used in-store by someone in XXXX, FL. Then I was told this was not a on-time occurrence, but rather a known issue. The rep. explained they are having a problem of reward certs being double issued. Remedy was to re-issue the reward cert stating it would take 1-2 billing cycles for me to receive. 
The data I most recently captured was back in XX/XX/XXXX where I called into XXXX Synchrony Bank Customer Service to go through a series of having certificates re-issued, the rep stated they had been having the problem a couple years with no known fix. Fast forward to XX/XX/XXXX, another round of double issued certs and now I'm told by the rep. they knew of the issue since XX/XX/XXXX but are not aware of any known fix. I submitted a complaint to the escalated help desk where I was told no one would follow up with me, and my complaint would only be tracked in a log.

Tonight, while I just received a re-issued cert, the other two were used in the interim of me receiving the re-issued cert. 
Thus, the company is in breach of the credit card agreement by not addressing the known issue of double issuing reward certificates to two different people. Furthermore, they send marketing materials advertising of how to earn bonus points yet the reward system is flawed ( double issued cert ), leaving the consumer to call and request the cert be re-issued, then wait 1-2 billing cycles. Many aspects of this process are wrong and the consumers need help now to have this made public and remedied.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of the following account ( s ) on my credit report. By the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 and 15 U.S.C. 1681i ( 5 ), it has come to my attention that the account ( s ) listed below have violated my federally protected consumer rights regarding privacy and confidentiality.

Disputed Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681, it is my right to have my consumer credit report maintained with the utmost confidentiality and accuracy. The inclusion of the above account ( s ) violates this right, and the reporting of this information constitutes a breach of my privacy. Furthermore, I believe these items are inaccurately reported and are being maintained in my file without the proper verification or validation of the legitimacy of the account ( s ), as required under the law.

Per 15 U.S.C. 1681i ( 5 ), I demand that you conduct an immediate investigation of these account ( s ), and if found inaccurate, unverifiable, or incomplete, promptly delete the account ( s ) in question from my credit file.

Please provide me with : Written confirmation of the results of your investigation.

A statement detailing whether any items were deleted, corrected, or verified.

If the account ( s ) is verified, full documentation proving the validity of the account ( s ) and the process you followed to reach this conclusion. 
Failure to comply with my request within the legally required timeframe will result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or seeking legal recourse. 

Thank you for your immediate attention to this matter. I expect a prompt resolution of my rights under the Fair Credit Reporting Act.
Product: Debt collection

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against??? for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I discovered an unknown credit card account listed on my XXXX credit card report via my XXXX account. I checked it out via experian and noticed it was on there as well. It is a XXXX card. I have never used XXXX or have ever had any sort of account with them. I created two disputes through Experian on XX/XX/XXXX and XX/XX/XXXX. The dispute did not result in anything and the account is still on my report. It is now saying that I can no longer view dispute results online. I have tried calling multiple times and everytime I reach a person, the call is disconnected before I can share any information or make any progress. According to experian, the account showed up in XX/XX/XXXX. I made a personal statement on XX/XX/XXXX requesting a fraud alert. I also uploaded my legal name change documents on XX/XX/XXXX because I thought that may have something to do with the issue. Soft inquiries were conducted on the XXXX account on XX/XX/XXXX and XX/XX/XXXX according to Experian. The account is luckily in good standing but the card usage seems to constantly be close to the limit. It has a report of a high balance of {$1200.00}. The limit is {$1000.00}. The current balance on the card is {$940.00}. I have been working really hard lately to improve and take control of my score. I just want to figure out how to get rid of this unknown account and do not want it to continue to impact my score. I will provide any paperwork necessary. I know when there is a name change in the mix, things can be confusing, but I do not want to be responsible for an account that is not mine. 

Best, XXXX XXXX
Product: Debt collection

BEING SUED IN SMALL CLAIMS BY VELOCITY INVESTMENTS LLC, UPON CALLING THEM TO VERIFY THE XXXX, THEY SAID IT WAS WITH AN ATTORNEY AND THEY COULD NOT PROVIDE ANY INFO. HOWEVER THEY WERE ABLE TO VERIFY THAT THEY ARE A DEBT BUYER AND NOT THE ORIGINAL CREDITOR. THEY GAVE ME THE ATTORNEY 'S INFO. UPON CONTACTING THE ATTORNEY ON FILE THEY SAID THEY WERE REPRESENTING XXXX WHICH IS NOT THE FACT! AND IN FACT THEY ARE REPRESENTING VELOCITY INVESTMENTS ( WHICH IS ON THE XXXX COUNTY COURT WEB SITE NOT XXXX ) SINCE THEY BOUGHT THE DEBT AND ARE NOT ACTING AS AN ASSIGNEE OR EVEN SUBROGEE THEY JUST BOUGHT THE DEBT. THE ATTORNEY 'S REP IS SAYING THEY ARE REPRESENTING LENDING CLUB..AS I UNDER STAND " Holding unintentional misrepresentation of debt collector 's legal status violated FDCPA '' XXXX, XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

I have reached out to the following accounts below for several times and talked to them about the issues with my account as reported by the EXPERIAN. They have advised me that they will remove ALL the late payments and will correct the credit report accordingly and accurately, however, as I reviewed my recent report the accounts are still reporting inaccurately. I am not sure how the EXPERIAN came up with this remark. They have failed to reinvestigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have also attached in this complaint the response from the company to remove the late payments. Please see the attached FTC report with report number XXXX to support this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed on a student loan with Navient with my sister as primary, for the benefit of my niece. In XXXX 2017, I was notified that the account was past due ( my niece had recently graduated ). My niece and I contacted Navient and spent over 1 hour and 20 minutes speaking with a gentleman who made payment arrangements ( account was brought current ), also including auto-pays for a year ahead, and assured me the situation would not be reported to the credit bureau, but it was. It resulted in my excellent credit rating plummeting. I contacted Navient several times thereafter by phone, mail and fax, and they refused to remove the late on my credit report. They did remove a second late they had also erroneously posted. Navient 's website makes it very difficult to find notifications that they have sent you, and almost gives you the impression they do n't want you to find the notices they have sent. Since the account was barely past due and I had not seen the notice, in addition to the fact that I brought the account current immediately, and the assurances I received it would not be posted to my credit, I feel strongly this late should be removed from my credit report. During my odyssey of phone calls to Navient, at one time I was even told this loan no longer existed and was paid off! Thanks in advance for any assistance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Product: Debt collection

This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate.
Product: Credit reporting or other personal consumer reports

There are XXXX credit card accounts showing in my credit report. I do not recognize those accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete accounts the accounts that I have no info for because it was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax submitted an errored report to a mortgage lender. The submitted report does not reflect the correct credit score and noted several account delinquencies that are not reflected on the credit report. When Equifax was contacted, they advised that these items are not reflected on the credit report. Therefore, they do not have anything to dispute. I, the consumer, was only made aware of this inaccurate reporting of the credit score ( resulting in XXXX points lower than the actual score ) and derogatory remarks by the lender sending a document that summarizes what was reported to them. Equifax 's error in reporting the correct credit score resulted in an inferior loan rating and product offering.
Product: Debt collection

My Previous complaint XXXX AFNI XXXX has taken over collections for XXXX  XXXX this was the originally disputed back in XX/XX/XXXX, when I found the charge on my account. I had not received any correspondence from XXXX XXXX after CFPB response that XXXX XXXX was suppose to respond to me directly on verification of the debt. In review of my credit report. I see that AFNI has now become the new collection agency in pursuit of this debt. I did contact AFNI XX/XX/XXXX, and spoke with representatives XXXX and XXXX, initially they were pursuing the individual with a FL address. The person who opened account resided at XXXX XXXX XXXX, XXXX XXXX XXXX. I have never lived in GA or FL, nor have any relatives or known persons in that state. I was informed by AFNI to file an identify theft app directly with XXXX XXXX, I will do so. Also I informed XXXX and will be uploading the last report XXXX, and new report to XXXX directly upon completion, so they can be involved. I would like your assistance to put this matter to rest, as it is negatively impacting my credit report. I have not received any direct mail yet, since I gave my address to the representative XX/XX/XXXX, I am sure they will eventually send one.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act Pennymac Loan Services , LLC has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 15 USC1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B. 

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged {$26.00} for credit monitoring when I requested my credit report from Experian on XX/XX/2020, I was given the impression that my credit card would not be charged and that they only needed a credit card for verification of identity. I did this request from Experians website and only requested a credit report not monitoring. There was no confirmation email about being charged for a membership and I didn't notice the charged until I looked at my bank account on XX/XX/2020. I never checked any box for a Experian CreditWorks Premium membership. I called Experian and was told that they don't refund memberships. I understand that its only a {$26.00} charge but Experian needs to be clear as to what they are doing with the credit card info and not trying to charged consumers for services they did not request. Consumers need to be able to trust a credit bureau they are suppose to be neutral and honest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following fraudulent inquiries from my Equifax Credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX OPEN DATE XX/XX/2019 In accordance with the Fair Credit Reporting act 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

So, XXXX XXXX XXXX XXXX is shown on letter. I am not entirely convinced of this debt, some of the account information listed does seem to show some information related to one of my XXXX U.S.A.A credit cards. However ; with being a victim of identity theft, I must make sure with out a shadow of doubt this company and its ' affiliate ( s ) and personnel such as XXXX XXXX contacting a relatives phone and subsequently, trying to reach me through my relative which the relative, wants Ms. XXXX XXXX to Cease and Desist said phone interruptions.
Product: Debt collection

National credit adjusters llc sent me a copy of contract with first fin credit.i informed them that is not my signature on contract.why do they have this debt now? they refused to answer.reporting false info on my credit report.a violation of the fcra.i know my rights and if they can not 100 % validate this debt then they are in violation.i have no contract with national credit adjusters .when asked them to send me the contract i have oweing them they refused.therefore they are in violation.
Product: Credit card or prepaid card

I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Block and Delete Fraudulent Accounts - Pursuant to 15 USC 1681c-2 ( a ) Dear Equifax, I am writing to formally notify you that I am a victim of identity theft as a result of the recent data breach. Fraudulent accounts have been opened in my name without my consent. Pursuant to 15 USC 1681c-2 ( a ), I am requesting that you block and delete all information associated with these fraudulent accounts from my credit report. 
Please find enclosed copies of my identity theft report, along with other supporting documentation, to substantiate my claim. 

The following fraudulent accounts have been identified : XXXX XXXX # XXXX I would appreciate your confirmation that this account have been blocked and deleted from my credit report as per the Fair Credit Reporting Act. Additionally, I request written confirmation once the requested action has been completed. 
Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me using the details provided above. 
Sincerely, XXXX XXXX
Product: Debt collection

On  XXXX   XXXX ,    2017  I received an alert that a collection account was added to my credit file. I did not receive any prior notice that the account was going to collection. To my knowledge, I 'm suppose to receive written notice allowing me 30 days to dispute the validity. This is a direct violation of my rights. I need to see a copy if the documentation that was mailed to me at least 30 days prior, the address the notice was mailed to and any other supporting documentation.
Product: Debt collection

Harris and Harris calls a couple times a week and when I answer and say hello no one says anything back or the phone only rings once and hangs up. Today ( XXXX-20 ) somebody spoke back. I told the person I did not know what this was in regards to and she told me I could get ahold of the medical facility to find out and hung up on me. 

I called back and spoke with someone else and she said they could send an itemized bill and I said that would be great because I did not know what this was in reference to. And she proceeded to tell me this was going on my credit report and I told her that I knew that because I saw it, and she rudely said, " you go ahead and keep talking because I am not going to talk over you ''. I then asked to speak with her manager where I was kept on hold for roughly 8 mins. She then got back on the phone and asked if I wanted to continue to wait because there was not a manager available to talk to and then she said, oh Mr. XXXX is available you can speak to him. Put me back on hold where I waited for approximately 2 more minutes and the phone began to ring and then went back to hold music.. I waited for about 2 more minutes before hanging up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance the the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX  XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 602 A States I have the right to privacy.

15 USC 1681 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

On XXXX XXXX, 2017, while checking my banking activity, I noticed that there had been a double payment made to my credit card with Comenity Capital Bank for {$3000.00}. I immediately called the Banks customer service and spoke to a person named XXXX asking that the over payment be transferred back into my account. I furnished her all my routing and account information and she said that it would take 7-10 days to complete the transaction. 

On XXXX XXXX, I called to check on the progress and was told by XXXX that the transfer was in process and sho0uld be in my account either that day or the next. 

On XXXX XXXX, I spoke to XXXX at customer service an was told that the refund would be processed after any outstanding balance on the current months bill was subtracted but since the amount was over {$500.00} their policy was to take up to 21 days to be processed. I asked to be transferred to a Supervisor. I then spoke to XXXX XXXX Badge # XXXX XXXX, who told me that Their policy was to hold refunds over {$1000.00} for up to 21 days. She stated that the refund would be processed and a check sent after the wait period. 

On XXXX XXXX, I received a letter from Comenity that I would not receive any refund since my balance on XXXX XXXX exceeded the amount of payment as of XXXX XXXX. Payment to Comenity for the initial was posted as paid on XXXX XXXX and the second over payment on XXXX XXXX, so this statement does n't make sense. Even today, I show a credit of over {$1400.00} on my account. They had already deducted the outstanding balance from the over payment, even though the bill for XXXX has just been sent out. 

Not only is this policy unreasonable but I do n't see how it is legal. I was lied to multiple times by various people and still have no idea how much or when I will receive any part of my over payment. I understand that the original error was mine, but do n't feel it excuses their response or very unfair procedure for handling over payments. Since I received this card through my XXXX membership, I plan to cancel the card and revert to the membership without a credit card. These people could take a lesson from XXXX, who knows how to handle customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was incarcerated from XX/XX/XXXX until XXXX XXXX at XXXX XXXX XXXX during the time someone used my name and social to open accounts and seek care, There is no way I should have any medical exspenses or anything else because I was under the Department Of Corrections during the time
Product: Credit reporting

Equifax has reinserted accounts from XXXX XXXX back into my credit report at least three times now.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX - Balance : {$2700.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$7200.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$7100.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is saying I made an inquiry on XX/XX/XXXX reference # XXXX for a XXXX XXXX card. I never authorized any request for this card. I was not on any cruse ship for this company. This is fraud. I would kindly like this to be removed from all credit companies since I never made this request.
Product: Debt collection

I received a phone call from The CBE Group on XXXX/XXXX/2015 and this collection agency informed that they are collecting for a XXXX account in which I had removed off of all my credit reports to due ID Fraud. I told the collection agent that they are trying to collect on a debt that was created against me without my consent orknowlege. I told this young lady that I have a police report and FTC Affidavit that I have sent this to XXXX directly as well as the XXXX credit bureaus. She said that is impossible basically saying that people tell them all the time that the debt is n't there.s and basically we asked them to prove or pay. I hung up with her stating to check with XXXX because this account is no more and I am not liable for it. I have attached the same police report that was given to XXXX and he FTC Report.