23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Please see all files and pictures attached. 
In my Target Mastercard fraud claim dated XX/XX/ ( See attachment " XXXX XXXX ), that includes a total of 24 transactions for a total amount of {$880.00} ( See attachment " Pic 3 ), Target has completely botched the dispute process and has completely screwed up my account to the point that I can't make sense of it. Furthermore, Target approved my fraud claim in my favor but then for some unknown reason reopened the fraud claim all the way on XXXX  ( See attachment document page 2 of 11 ). Furthermore, Target states that the fraud claim was reversed and in an amount that I never disputed, {$1000.00}. 

I've called Target at least on 30 occasions and sent 2 letter, one of which was an appeal. I have only been able to speak to the representative handling my case on 1 occasion, her name is XXXX. I have never once been able to speak to XXXXXXXX XXXX supervisor. I ask to speak to them every time I call customer service, to no avail. The representatives tell me that all they can do is send emails to XXXX and her supervisor. They never call or resolve my claim. 

Target claims that travel tickets were purchased and therefore that was a partial reason for denying my claim. I asked Target to provide evidence of this, they have not. The only travel related charges that I do see on my statement that were disputed appear to be from XXXX XXXX. I called XXXX XXXX myself and ask about the 2 charges that appear to be made at their business. They advised me that those 2 charges that I see on my statement were not used to purchase any travel tickets but were in fact charges for miscellaneous services/item not involving any travel. 

Target claims that my PIN was compromised. I did not have my PIN written down anywhere. Additionally, I spoke with a Target call center representative by the name of XXXX  on XXXX who advised me that my PIN number was not used in any of transactions in question. 

Even more concerning, I appear to actually have received more charge backs and duplicate charge backs than I ever disputed in the fraud claim in the first place, which I have been made financially responsible for. For example, please see pay 7 of 11 of the attached document in the statement dated XXXX It shows a duplicate charge back from merchant XXXX XXXX XXXX XXXX, two charges for {$11.00} each. There was only ever one charge from XXXX XXXX XXXX XXXX to begin with.
Product: Debt collection

Enhanced Recovery has reported that I owe XXXX and I called them and they put it on hold now they are reporting that I owe XXXX {$650.00} I called XXXX they have no records of me so I called Enhanced Recovery and they said they had no records of XXXX and hung up on me. So now what do I do
Product: Debt collection

I disputed these items back in XX/XX/XXXX. The CFPB sent me 2 emails apologizing for the XXXX XXXX XXXX not responding in an appropriate time. You ( CFPB ) threatened to take action, so instead, in XX/XX/XXXX XXXX XXXX XXXX said that my Dispute was frivolous and unfounded. It is not my debt and when I Disputed all 3 of these again in XX/XX/XXXX through Experian, they removed 2 of the 3 because they couldn't back up the information. I have Disputed now again after XXXX reports the inaccuracies yet again. This is getting ridiculously redundant and all parties involved now are purposely ruining my Credit and my Name! I want this matter resolved ASAP, the remaining account that is charged off is too be removed in XX/XX/XXXX/XX/XX/XXXX. Experian removed 2 of these items in XX/XX/XXXX and now has put them back. I see no other way of looking at this but that these companies are directly sabotaging my Credit Reports. These need to be removed immediately and my scores adjusted accordingly. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my XXXX credit report and noticed Inquiries which I did not give authorization. The inquiries in question are as follows : AMEX bank credit cards. Inquiry date XX/XX/XXXX XXXX bank credit card. Inquiry date XX/XX/XXXX XXXX  XXXX XXXX XXXX credit card Inquiry date XX/XX/XXXX XXXX XXXX XXXX bank credit card. Inquiry dare XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX bank credit card. XXXX date XX/XX/XXXX XXXX bank credit card. XXXX date XX/XX/XXXX XXXX XXXX XXXX reseller. XXXX date XX/XX/XXXX XXXX XXXX  reporters. Inquiry date XX/XX/XXXX I have reached out to the companies who pulled my credit report as well as XXXX to resolve this act of FRAUD, but to this date I have had no resolution from either party. I want these FRAUDULENT, unauthorized inquiries to be deleted from my XXXX credit report. They are damaging both my credit rating as well as my fear of being a victim of Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

My EX and I HAD a XXXX XXXX loan that initially was thru XXXX XXXX XXXX. Our loan got transferred to Specialized Loan Servicing ( SLS ) in XX/XX/XXXX. SLS did not have all of the documentation about our loan and past modification help, etc. 
We were in routine communications with them. They were aware tha we had an active contract for sale of the house. They kept sending the WRONG forms for us to fill out. 
We SOLD the house XX/XX/XXXX. The pay-off amount given to our mortgage company was dated for AFTER the sale date to ensure we would be paying the correct amount. 
SLS was paid in FULL for the loan, yet keeps sending bills for missed mortgage payments. 
I have emailed them, called them, sent them information. Each time there is communication, it is with a different representative, with differing information, and it seems like nobody has figured this out. 
I contacted our Title company and they said check was not returned and pay off amount WAS correct. They also said NOBODY from SLS contacted them regarding any possible discrepancy in pay-out. 
A SLS rep initially said the pay-out check was returned because it wasn't the correct amount, then later said it appears like it WAS the correct amount but unsure as to why it wasn't accepted! Not ONCE did I receive, nor my EX, any correspondence citing pay-out was in the wrong amount. 
My EX contacted XXXX XXXX, the originator of our loan, and they said the loan WAS paid off as well. They recommended filing a formal dispute. I emailed SLS 2-3 weeks ago. Nobody has resolved this issue. I was told a few weeks ago, after I kept calling them, that it looks like there's more money due because of the pending foreclosure process. 
I don't understand. We SOLD the house BEFORE it went into foreclosure. I communicated with SLS and their Foreclosure department in XXXX that house was being sold on XX/XX/XXXX. Neither my EX nor I have EVER received any bill reflecting this lack of payment. All we have received is the typical monthly statement/bill reflecting past monthly payments not sent in. 
This is still on my credit report as a balance of over {$300000.00}! That is NOT true. I can send a copy of the pay-out quote along with the CLEAR Title transfer if needed. Please help me get this rectified. 
During these ongoing economic conditions, the added stress of this is anxiety provoking and over-whelming. I don't know who else to contact. 
I called XXXX XXXX directly but got disconnected during the transfer. I then emailed XXXX XXXX but other than receiving an email citing someone would contact me, there has been no resolution or communication. I have NOT received anything still from SLS explaining why this is not resolved.
Product: Credit reporting or other personal consumer reports

RE : Error in some of my accounts XXXX, XXXX & Experian I have received a current credit report from your organization. Soon after investigating the various records, it is clear that the following accounts appear with no regard for accuracy as necessary by the Fair Credit Reporting Act. 

Creditor Information : XXXX  Account ID : XXXX Amount : {$9100.00} Description : As you learnt, by law, certain data in my report must be undistorted and verifiable. 

XXXX XXXX XXXX XXXX  Account ID : XXXX Amount : {$0.00} Description : As you notice, by regulation, some data in my history must be correct and verifiable. 

XXXXXXXX XXXX Account ID : XXXX Amount : {$0.00} Description : As you learnt, by legislation, some data in my archives must be factual and verifiable. I don't consider that the DATE OF LAST ACTIVITY information is correct so it should be right and established or destroy without hesitation from my track record. 

I'm actually worried about the consequences of this error given that I'm within the process of asking for a loan. 

I am asking to have these inaccuracies corrected as soon as possible, per my rights under the FCRA and Metro 2 guidelines.

According to the Fair Credit Reporting Act, you must conduct an adequate investigation when consumer disputes information on their credit report. Additionally, Metro 2 rules state that the data furnishers must provide accurate, complete, and up-to-date information to credit bureaus.

Moreover, should you be unable to verify the accuracy of these items, Metro 2 rules and FCRA require you to delete these from my credit record quickly.

I kindly request that you investigate the following discrepancies : 1. *Section 609 : * - I assert my right to obtain a copy of my credit report. Please provide a free copy at your earliest convenience.

2. *Section 611 : * - I am disputing inaccuracies in my credit report. Under Section 611, I request a thorough investigation into the disputed items to ensure the accuracy of the information.

3. *Section 605 : * - I want to highlight that negative information on my credit report should adhere to the permissible reporting duration outlined in Section 605. Please review and ensure compliance.

4. *Section 623 : * - According to Section 623, I expect furnishers of information to diligently investigate the disputed items. I urge you to work with them to resolve these discrepancies promptly.

I regardfully ask some instrument that carry my signature on this account, or the items must be deleted from your report within the next 30 days.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Also, be advised that the description of the procedure utilised to decide the accuracy and completeness of the info is hereby requested too, to be provided within fifteen ( 15 ) days of the completion of your investigation.
Product: Credit reporting or other personal consumer reports

CHARGE-OFF DEBT IS TAXABLE INCOME AND CAN NO LONGER REPORT TO A CONSUMERS PROFILE VIOLATING 15 USC 1681 XXXX XXXX XXXX made the account a charge off XX/XX/XXXX which is the tax year of XXXX XXXXXXXX XXXX  made the account status a charge off XX/XX/XXXX which is the tax year of XXXX
Product: Mortgage

I was in the process of refi, and my rep with cailber home loans and i filled all paperwork out and was approved. My rep informed me to not send my monthly payment in, as with the new closing we would have a few months till we needed to pay. We never missed a payment til this happened but my rep either quit or got fired, and a new rep texted me a few weeks later saying the refi was in default as my previous rep didnt complete his end. He said i need to pay that last month as again it didnt fully go through. This now made my payment seem late even though the rep informed me not to pay it. I was now expected to make two morgage payments on the same week, which i informed them i couldnt pay XXXX in one week as we also had a death in the family. I then recieve a letter that we were denied bc my credit was hit with a late payment and it knocked my credit by 52pts. I fully caught up and paid all to get current. But my credit was hit due to bad advise from a company/rep we trusted. Its our first house and we are unaware of how this all works its making us second guess our decision to buy the house and work with a company that hasnt even stated they were sorry for what happened. They said i can wait til my credit comes back up, which will take a long time ... .i would appreicate if i can get my credit back to what is was so we can just refi with another company. We have never felt so left, and no solution. Im hoping this site can help us with this odd situation.
Product: Credit reporting or other personal consumer reports

To my disbelief, I discovered inaccurate accounts on my credit report this morning, and I have no idea why theyre there. I review my credit report regularly, but this time, there were discrepancies that appeared out of the blue. I even refreshed my browser to see if it was a mistake, but the inaccuracies persisted. Because of this unexpected issue, Im asking that the documents Ive provided be thoroughly examined so that I can put this worry behind me for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint for EQUIFAX, XXXX AND XXXX since they have ignored my letters sent for the update, elimination and correction of some accounts that are negatively affecting my credit, I am very unhappy that they do this when I am entitled to a fair credit. 

It's been several months that I've been trying to fix my credit because I know that I have the right and that the law protects me as a consumer. 
Not even sending validations for my accounts has he wanted to answer me when they are supposed to have 30 days to do so.
Product: Credit reporting or other personal consumer reports

Transunion is erroneously showing the account I had with XXXX XXXX to be 60-day late in XX/XX/year>. This account has never been late and was showing on time in XX/XX/year> ( last accurate reporting prior to payoff ) and paid in full on XX/XX/year>, 5 days prior to the due date. Let alone that this account was not late in XXXX, how could it go 60-day late in one payment cycle with the due date on XX/XX/year>, and the payoff on XX/XX/year>. 
This incorrect information has damaged my ability to access credit with huge financial consequences for my family. Despite multiple attempts to have Transunion and the original creditor update this information, the credit bureau is still blatantly in violation of my right according to the law : - 15 U.S. code & 1681a - Definitions ; rules of construction I U.S. code I US Law I LII - 15 U. S. code & 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors.

- 15 USC & 1681a 2 ( A ) ( I ) -- Exclusions - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Debt collection

NCA WENT ON MY CREDIT REPORT WITHOUT VALIDATION IN VIOLATION OF FCRA. SOLD DEBT TO XXXX WITHOUT VALIDATION AND ENDED UP ON MY CREDIT REPORTS IN VIOLATION OF FDCPA, FCRA, AND TCPA. XXXX CALLS TO MY WORK ETC SEE ATTACHED PHONE AND OTHER RECORDS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Last XXXX of XXXX : - TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Regarding Inaccurate Reporting of Accounts Dear TransUnion, I am writing to formally dispute inaccuracies in the reporting of the following accounts on my credit report. Upon review, I identified multiple issues that violate the Fair Credit Reporting Act ( FCRA ). I request that you investigate these inaccuracies and correct them promptly. 

Account XXXX : XXXX XXXX Dispute Reason : This account was charged off in XX/XX/XXXX. However, the charge-off status is being updated monthly, which inaccurately impacts my credit report and score. A charge-off is a one-time event, and repeated updates are misleading. 
Additionally, the account reflects a balance of {$450.00} and a past-due amount of {$450.00}. If this account has been sold to a third party, the balance should reflect {$0.00} with the original creditor. 
Finally, the payment history is missing or incomplete, showing No payment history available to display. 

Account XXXX : XXXX XXXX XXXX XXXX : Th # is account is inaccurately updating the charge-off status monthly, despite being charged off on XX/XX/XXXX. This practice is misleading and unfair. 
The reported balance of {$240.00} and past-due amount of {$240.00}, including a high balance {$420.00} are inconsistent with the accounts status. If sold, the balance should reflect {$0.00}. 
The payment history is missing or incomplete, which raises concerns about the accuracy of this reporting. 

Account XXXX : XXXX XXXX XXXX : The charge-off for this account occurred on XX/XX/XXXX, but the charge-off status continued to update after initial charge-off. This is inaccurate and harmful to my credit. 
this account has been sold and paid, this account should be removed. 

Requested Actions For all three accounts, I respectfully request the following : XXXX. Remove improper monthly charge-off updates and ensure the charge-off is reported as a one-time event. 
XXXX. Correct the balance and past-due amount reporting to reflect the accounts accurate status ( e.g., {$0.00} balance if sold to a collection agency ). 
XXXX. Verify or update the payment history to ensure it is complete and accurate. 
XXXX. Remove from credit report. 

FCRA Compliance Under the FCRA, TransUnion is required to investigate disputes and ensure the accuracy and completeness of the information reported. I request that you complete your investigation within 30 days and notify me of the results in writing. 

If the information can not be verified, I request that it be corrected or removed from my credit report. 

Attachments : I have attached copies of my credit report with the disputed accounts highlighted, along with any supporting documentation. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. Due to my financial hardship crisis, I believe removal would be best course of action. I would greatly appreciate your understanding and assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This morning I was placing credit freezes on my credit reports at XXXX, Experian, & XXXX. I had no problem putting freezes on my report at XXXX and XXXX. Experian did not allow me to place a freeze on my report. Their webpage is confusing and attempt to direct you to a paid service to place a freeze on one 's report. They should be made to make it easy to locate the area for a free credit freeze per the law. 

After I located the correct area to place the freeze and completed the form it took me to another form which stated they were unable to place the freeze and gave me instructions to send them a certified letter to complete the freeze. This is unacceptable. They seem to be making it intentionally difficult to provide this mandated free service. 

When you attempt to call them their system takes you on a multi-minute phone tree which at the end disconnects the line. Unacceptable.
Product: Credit card or prepaid card

Complaint is against a Credit Card Company named XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX MO. ( XXXX XXXX ) I mistakenly made two payments on XX/XX/19 in amounts of {$750.00} and {$750.00} to payoff the card in whole. Credit card company accepted both payments and placed a lock on my card without notifying me and held the double payment without notifying me or placing a " credit '' of one of the payments on my account. I called their XXXX on XX/XX/19 that is when they told me they needed to validate the payments with my bank, thus we did a 3-way call with my bank. Afterwards I was told that my refund would be credited back to my bank within 7-10 business days and that the lock on my account would be lifted within a few hours of our call on XX/XX/19. 10-business days later I still have not received my refund for one of the payments and the lock on my account had not been lifted. I called their support again on XX/XX/19 ( 10-business days which included the XXXX Holiday, and they said they had a system error and the refund had not been submitted so they said they submitted it during our call and that it would be another 7-10 business days until I see the refund. I demanded this is unacceptable and that I wanted my refund immediately and if not received I will file a complaint with the CFPB and XXXX. They did lift the lock on my account on XX/XX/19 though.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a payment get returned to the company on XX/XX/XXXX and on XX/XX/XXXX I remade the payment online ( I paid the amount stated online {$100.00} ). The company has been calling me nonstop while at work, I call them back and had to leave a message. They emailed me saying I still owe them {$19.00} because there is a {$10.00} return fee for the first payment and they never explained what the other {$9.00} was for. They also said that since it is now XXXX I am now 30 days past due which is ridiculous my very first payment was due XX/XX/XXXX. I kept asking them how this could be and they ignored my question and said I must pay the {$19.00} which I already had as soon as I found out I owed it. This company is predatory and obviously will make false reports to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( not XXXX XXXX ) has been reporting a charged off account on my credit reports. Only part of the account number appears on my credit report. I have not had an account for wired service with them for many years, certainly not with an open balance. 

When contacting them, the show no record of any XXXX accounts in my name and are unable to give a account number the reports refers to. But they still are reporting to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. Im a victim of fraud. I realized this account been on my credit report after realizing Equifax had to credit file for me. I tried calling the company but I been on hold for an hour or two for months. So, I informed the credit bureaus with my police report that this account is not mine. It has been deleted and blocked from XXXX and XXXX ; however its still reporting to Equifax. The account number associated with the account is XXXX. This is the information off the credit report. I never open an account with this company. I spoke to someone with XXXX  finally on XXXX XX/XX/2019, and I couldnt get any resolution. This company is ridiculous. Also, XXXX have police report on this item and will not remove fraudulent item.
Product: Credit card

I applied for the Citi AAdvantage card, which requires spending {$3000.00} within the first three months. I met the required spending amount within the specified period. However, I was subsequently informed that my spending fell short by {$45.00}. Upon reviewing the detailed billing statement, I believe I have indeed met the requirement. The only conceivable discrepancy could be related to Citi deducting a conditional credit of {$50.00} due to a pending dispute. 

Throughout my time owning the card, I consistently checked with Citi representatives to ensure that I was meeting the spending requirement. During our last conversation on XX/XX/XXXX, I specifically asked a representative via online chat how much more I needed to spend to fulfill the requirement, and I then completed the specified spending before the expiration date. 

This has been a particularly frustrating experience, considering my nearly ten years of dealing with Citi Bank.