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

I have  had an American Express cr edit card for a while ( sin ce  XX/XX/XXXX  ). I  have  XXXX  types of accounts with AmEX.  XXXX  that is paid in full at the end of the cycle and  XXXX  that is a revolving account that they call, " Pay  Over Time. ''  On occasion, AmEX will ask for a payment prior to the due date because they feel you may be exceeding an algorithm limit. In the past, I have paid this amount and payment has been credited to the amount paid-in-full ( not the revolving account ).     On   XX/XX/XXXX , A  mEX requested I pay {$2600.00} as I had reached some limit. I paid the requ ested amount. At the end of the month when my pay-in-full was due, the amount AmEX said I owed them differed from the tallied amount. I call many time  (   > 4  times  )  to try to find out what the problem was, and, each time I was passed to a minimum o f four ( yes, 4 ) ag ents who could not help me. I called the last week in   XX/XX/XXXX  to find see if I c ould get to the bottom of the problem and found out AmEX credited the {$2600.00} payment to the " Pa y Over Time ''  account. This had never happened before. They refused to move the payment over to the pay-in-full account and expect me to fork over this amount.
Product: Credit reporting or other personal consumer reports

15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.
Product: Money transfer, virtual currency, or money service

I found three credit cards in my name but never saw before a couple weeks ago, one was trying up for XXXX dollars!! I never saw the card it charged v anything in my life on this card I was XXXX in the hole now I am all the sudden XXXX I need help someone b is also b on my phone no matter what u do in can't get b him n of v my phone he switches all my settings turns on g pay in my name and also XXXX in my name I really need help n getting to the bottom of this thank you XXXX XXXX also been through 23 phone in ,2 years cuz he just b purse spam all over them
Product: Mortgage

In XX/XX/XXXX PHH mortgage in formed that I was already 3 payments behind {$4100.00} and that foreclosure measures would start on XX/XX/XXXX if the account wasn't brought to good standing. As I informed them due to being XXXX XXXX XXXX being hit by financial hardship by covid and the up raise in my mortgage payment it has become affordable to continue paying on the mortgage. No assistance to date has been offered and a foreclosure in in process. This is the only home I have known since my husband and I purchased the home in XXXX. There is a {$70000.00} loan taken back in XXXX and the principal remains at {$70000.00}. They continue to increase my monthly payment. I see back in XXXX the action suit brought against them for insurance kick backs and I never received any sort of refund for that. The amount due now to bring the account to good standing is {$8700.00} I do not know what to do.
Product: Debt collection

We represent a XXXX of limited financial means. On his behalf, we sent a letter to this creditor requesting no further contact of any kind. Although the creditor received this letter requesting no further communication ( as evidenced by the creditor now sending communications to our client at our address ), the creditor continues to send our client monthly statements. By continuing to communicate with our client after receiving his request for no further communication, the creditor is violating Section 805 ( c ) of the Fair Debt Collection Practices Act.
Product: Debt collection

Capital One sent the standard payment information to pay down outstanding debt. 
The statement showed the amount of {$580.00} due on XX/XX/2023, I sent the payment of {$40.00} through my banking institution on the XXXX first, but the amount would not be forwarded until the XXXX of the same month. 
I received from the county clerk/recorder that a lien was placed on my residence on the XXXX of the month, which was prior to the due date of payment. 
I contacted the debt collection lawyer either the XXXX or XXXX of XXXX to find out more information, which I was disconnected after XXXX. 
On XX/XX/XXXX I contacted Capital One to find out more information, after XXXX minutes I was again disconnected from the call.
Product: Bank account or service

In XXXX, I responded to a Citibank Gold promotional offer to open a Citigold checking account and receive XXXX XXXX XXXX XXXX provided I met certain requirements. 
I later met the requirements, and confirmed with Citibank via their online secure messenger on XXXX XXXX, 2016 that I qualified for the promotion for which I have a copy of communication. 
However, on XXXX XXXX, 2016 I received a communication telling me that I no longer qualified and would not be receiving the promotion. This was after charging me XXXX dollars in fees to keep the account open while I awaited the promotion. 
I spoke with them on XXXX XXXX and they credited my account for XXXX dollars in fees, however they could not guarantee that I would receive the XXXX promotional miles.
Product: Debt collection

I have reviewed the response made by the business in reference to complaint ID XXXX, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. 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 an account without my written instructions. 15 U.S.C 1692C Without the prior consent if the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b ( 2 ) not state that such consumer owes any debt ; 15 U.S. Code 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt! You never sent me any proof of verification either you ignored my letter, I sent it on XX/XX/2022, you received it on XX/XX/XXXX, that was my second letter you ignored, this qualifies for an automatic deletion! XXXX, that's the tracking number! Regards, XXXX XXXX I UNDERSTAND THE CO
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent in a letter to all 3 major credit bureaus ; Equifax, XXXX, and XXXX. I sent the letters XXXX Mail with tracking # XXXX XXXX, XXXX, and XXXX to dispute a bankruptcy being reported on my credit report as Bankruptcy, XXXX XXXX - XXXX, with filing # XXXX filed on XX/XX/XXXX. All 3 bureaus returned letters stating that they did an investigation and verified the bankruptcy as accurate and complete. They cited XXXX and XXXX XXXX XXXX as the companies that verified the information. 

On XX/XX/XXXX I also sent a letter to the US Bankruptcy Court Oklahoma XXXX XXXX. I sent this letter Certified Mail with tracking # XXXX. I asked the clerk of court if they report bankruptcy information to the credit bureaus. They sent me a letter stating that they do not report or verify any information to the credit bureaus or any 3rd party reporting agencies. 

On XX/XX/XXXX I sent letters to XXXX and XXXX XXXX XXXX via Certified Mail with tracking numbers XXXX and XXXX. I sent these letters to dispute the same bankruptcXXXX XXXX XXXX and request an investigation. Both companies sent letters to me stating that they conducted an investigation and verified the bankruptcy as complete and accurate. They both cited XXXX as the company who verified the information for them. 

On XX/XX/XXXX I also sent an email to XXXX XXXXo find out if they report information to the credit bureaus or 3rd party reporting agencies. They replied with an email stating that they do not report or verify any information to any of the credit bureaus or 3rd party reporting agencies. They also state on their website that they do not guarantee the accuracy of the information on their website and any inaccurate information should be handled with the US Courts. But as I stated earlier, the US Courts do not verify information. 

On XX/XX/XXXX I sent letters again to XXXX and XXXX XXXX XXXX via Certified Mail with tracking numbers XXXX and XXXX. I informed them both that the US Bankruptcy Court and XXXX both stated that they do not report or verify information. I provided copies of the letter and the email as well. They both replied again with the information being verified as complete and accurate and refused to remove this from my file. 

If this is the case, how did the credit bureaus verify this information and bankruptcy to be 100 % accurate? They could not have possibly completed a fair investigation according to 15 USC 1681.

The Credit Bureaus violated my rights several times under 15 USC 1681 : 15 USC 1681 Section 602 A states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Money transfer, virtual currency, or money service

PayPal receives funds to my account from my ebay sales. XXXX has cleared and rated my account as an above standard seller.No complaints from any buyers. However paypal gets my funds and holds on to them. They take my funds and not allow me to have access to these funds. Until 21 days.
Product: Credit card

I opened up a Citi Sears card to make a purchase of a refrigerator in a Sears store on XX/XX/2017. In XX/XX/XXXX and on XX/XX/2017 I received calls from Citi regarding my account being unpaid. In XX/XX/XXXX and yesterday ( XX/XX/2017 ), I called Citi and advised that I had not received statements in XX/XX/XXXX or in XX/XX/XXXX nor had I received my card from Citi. During my XX/XX/XXXX call to Citi, I paid my balance due and asked that the late fee be removed from my account. I also asked if the six month, no interest promotion was still available because technically, through no fault of my own, I had not made my payment timely. The representative assured me that the six month, no interest promotion was still available to me. I was also transferred to a different department and I was told that my address was incorrect and that it would be corrected. After speaking to the both departments at Citi, I was told that my statement would be sent to me and that I would also receive my new card. None of those things happened. On XX/XX/2017, I received a call from Citi advising that I needed to call them regarding my account. I called back and explained that I had not received my statement nor had I received my card for this account. The representative in this case, kept saying that my statement had not been returned to them. He wanted to know if I wanted to make XX/XX/XXXX 's and XX/XX/XXXX 's payment, which I did for approximately {$63.00}. He also indicated he would remove the late fee from my account. He then transferred me to the department where I could request that my credit card be resent to me. I spoke to a representative who wanted me to verify that I was who I said I was by providing my cell phone number. I did not want to use my cell phone number because I prefer to use my home number for credit cards. For some reason my refusal triggered some kind of Fraud Alert and I was transferred to that department, where I had to call back three times and speak to a different person each time and explain what had transpired and I was given the full run around. In addition, that department 's telephone prompts required that I provide them with my credit card number that I did n't have because I never received the credit card in the first place. The last person I spoke to was able to help me and advised that she would cancel the old credit card and send out a new credit card and I also confirmed my address with her and everyone else I spoke to at Citi. She also called my home phone twice. I picked up both times and spoke to her on the second call. I do n't know if this is situation of not sending statements to customers is some type of scam that Citi is running to get late fees and interest from unsuspecting consumers, but I am very concerned about what is going on with this particular card. I used to bank at Citi for several years and they still have a mortgage on my co-op apartment so I am somewhat familiar with this bank. However, I do n't recall that I every had a credit card with them so maybe this is how they do business. I just do n't want to be taken advantage of like those XXXX XXXX costumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will be filing a civil lawsuit for violations of my federally constituted rights under 15 USC 1681 I will be seeking {$1000.00} dollars per violation. As noted there are at least 4 violations committed by XXXX Credit Bureau, and Equifax Credit bureau It is my request to the delete the accounts or pay me {$1000.00} dollars per violation ) 15 USC 1681section 602 ( A ), 15 USC 1681 section 604 ( A ) 2, 15 USC 1681c ( a ) ( 5 ) 15 usc 1681s-2 ( A ) ( 1 ) in accordance with The Fair Credit Reporting Act. CFPD Submitted in complaint # XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

XXXX, XXXX, XXXX & XXXX XXXX fraudulently reported an inquiry on my credit report in violation of 15 USC 1681 ( a ) ( 4 ) and 1681b ( a ) ( 2 ). I have never given XXXX XXXX, XXXX, XXXX nor XXXX written permission to disclose any information contained in my consumer credit file. They have all blatantly violated the law and thereby have violated my rights as a consumer to be free from this type of financial, economic and mental abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$0.00}, anXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2013 Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and to request the immediate blocking and deletion of the fraudulent accounts listed below. These accounts were created without my authorization, and I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have them removed from my credit report. 
Accounts to be blocked and deleted : XXXX. XXXX XXXX XX/XX/XXXX {$00.00} XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX {$00.00}
Product: Credit reporting or other personal consumer reports

Upon submitting a dispute with XXXX to throughly investigate some incorrect or fraudulent accounts reported on my consumers report and provide validation of debt to companies as well nothing was resolved or handle properly. Instaed of blocking information on my credit report due to fraud they insisted that my request was either made in error or stated I knowingly knew the fraud had taken place therefore they denied my request. In term resulted in my personal credit file was not blocked as previously asked nor resolved and ignored the certified letters sent into them regarding my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion failed to remove all hard inquires that were inaccurate/do not belong to me due to fraudulence ; violating FCRA Sec. 1681q. Obtaining information under false pretenses - Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined not more than XXXX XXXX United States Dollars ( {$5000.00} USD ) or imprisoned not more than one year, or both. Also claiming that all inquires are accurate and will remain on my account for no more than 2 years and stated that its required to have a police report and refused to investigate the matter ; For Transunion 's claims on inquiries being accurate without evidence they are in violation of Title 18 U.S Code Section 287. Also, the Affidavits of deletion and removal, that I had notarized and are in their database on file, inquiries that I demand to be deleted/removed are listed below as well as listed in the affidavit. 

Transunion Hard Inquires : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive checked my credit report on the app XXXX XXXX for CapitalOne and it reported my XXXX of my credits cards and a extra capitalone card that isnt mine. The credit limit was for XXXX but its maxed and Im not sure when it got added to my account but it says its been active for 7+ years.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported on my XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Product: Credit card or prepaid card

I had a Chase Freedom credit card and have accumulated close to {$2000.00} in rewards. Chase recently closed my credit card due to inactivity and removed all my rewards without attempting to let me know. This is devastating as I just lost all my money that I worked to get over the past decade. Can you please assist?
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2024 {$2500.00} {$2200.00} asked for removal
Product: Mortgage

The lender has failed to provide a response to our QWR request ( Qualified Written Request ) or NOR- ( Notice of Error ) - this is a violation of  Reg X and RESPA guidelines - The lender has also initiated foreclosure within the early intervention period in violation of Regulation X, 12 C.F.R. 1024.41 ( f ) .
Product: Debt collection

Contacted the company on XXXX/XXXX/XXXX to dispute no contract signed with company, this company is not licensed to collect debt in Michigan. I need this removed from my credit report.
Product: Credit reporting or other personal consumer reports

Please review the attached docs. 

Please remove fraudulent items on my credit report.