23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

When Costco transitioned their relationship from XXXX XXXX to CitiBank Visa they automatically took out credit in my name. I had a Visa account elsewhere and did not want the CitiBank card. So before the transition, I informed Costco, but I still got a card in the mail, so I never activated the account and cut up the card. I do not, and have not ever had any relationship or contract with CitiBank. However, many months later, I got an email about a late balance from them. So, I called and found out that Costco had charged my annual member to the the CitiBank Visa card ( which was NEVER activated ), and for some reason that charge was able to post!?!? 

I called immediately XXXX XXXX ) and CitiBank apologized and forgave the bogus late fees closed the account I never signed up for in the first place... except 2 months later I got another email that I owed them and calling again, they had continued to bill this non-existent account fees despite confirmation of closure. Again, they did forgive the bogus charges. 

I think this is exactly like XXXX XXXX in that my credit was borrowed against without my knowledge or permission based on a previous relationship with an unrelated financial institution. Furthermore, if I take a not-activated credit card and go to the store and swipe it -- obviously it wo n't be charged to the person and wo n't work ... How can a card be charged behind the scenes that is not and was never activated? Then, I only received notice many months after the institutional fraud based on accumulating fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Nordstrom Card Services and Target Card Services, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It 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 a147.2K open end consumer credit plan as late for any purpose.

527 1
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several fraudulent inquiries and inaccuracies on my credit report : Experian FRAUD INQUIRIES : - XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX EXPERIAN INNACCURACIES : - Accounts Ever Late : 2 - Time Since Negative : 1 year 3 month Experian FRAUD ACCOUNTS : - XXXX - XXXX - XXXX XXXX  - XXXX - XXXX XXXX XXXX - XXXX - XXXX/XXXX - XXXX XXXX Fraudulent Accounts : - XXXX - XXXX - XXXX  XXXX - XXXX - XXXX/ XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX/XXXX - XXXX XXXX FRAUD INQUIRIES XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX Fraudulent Accounts : - 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 or other personal consumer reports

I am writing to dispute the inclusion of this bankruptcy on my credit report, as I have a letter from the court confirming it should not be reported. Additionally, an unauthorized third party is involved, which only adds to the seriousness of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Used country gables account information twice. I only have XXXX XXXX XXXX account. Only XXXX is listed on XXXX and XXXX. Previously only XXXX was on the Trans Union account. Then they added XXXX of the same account one a few dollars more but all the information is the same. I started to file bankruptcy and at that time only XXXX XXXX XXXX account was listed when we pulled the Trains Union report. I have never made another bill with this company and only have XXXX account I.owe. I put in a dispute and have called Trans Union personally without any thing done.
Product: Mortgage

We filed chapter XXXX bankruptcy in XXXX XXXX. It was discharged on XXXX XXXX, XXXX. HSBC should have started reporting our payments to the XXXX credit agencies., I found out that they have n't reported any of them when we tried to refinance the mortgage with another lender.. I sent them a fax asking them to 'reaffirm ' our mortgage on XX/XX/XXXX. When I called the next day and talked to a customer service agent about getting something in writing about the affirmation, I was told they were never going to re-affirm our mortgage. They do n't 'do that ' anymore. They are basically holding us hostage to their horrible company and practices as I was told by XXXX XXXX XXXX that without that written affirmation, they would n't re-finance us. Even though I have every monthly statement that shows the payments were make on time. Our mortgage with HSBC is an adjustable rate loan which adjusts every 6 months. It 's starting to adjust upwards. We also found out a few years ago that they did n't participate in the federal re-finance option offered for underwater mortgages. I want them to re-affirm the mortgage and submit all back payment information to the credit bureaus.
Product: Credit card

I had not yet received a statement from Best Buy ( Citi bank ), when my wife called a number in response to a recorded message. A rep from Best Buy ( Citi bank ) asked her to pay the balance on the account, she explained that we had not received a statement yet, but would be happy to go to Best Buy and pay the balance with interest, which she did the following day. Citi bank contacted us demanding we pay a late charge, I explained that we had not received a statement for that month ( we have not received the statement yet 4 months later ) and that I would like them to waive any charges do to the circumstances, the rep refused. I canceled the credit card. Citi calls several times a week asking for us to contact them. I have to no avail, they keep sending us bills for ever increasing amounts.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( block , inc ) due to inadequate customer service and unfair practices with violate the consumer financial protection act cash app failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected these actions has caused significant inconvenience and financial loss and I seek appropriate compensation for these violations
Product: Credit card

I was told to Contact XXXX because they base their information form there. After contacting XXXX, they assured me my credit was in Good standings and I had NO Serious delinquency like what Jet blue credit card/Barclays US stated in a statement to lower my credit limit. So i contacted the credit card company back. They stated of its you over all amount of debt you have. but could not provide me with documentation that was different from XXXX. Please note I just made {$550.00} payment in the last XXXX days. never be delinquent with the card. and this is what they give me. I never had this issue ever with any credit card.
Product: Credit reporting or other personal consumer reports

Request for Blocking of Information Under FCRA Section 605C** Dear [ Credit Reporting Agency ], I am writing to formally request that specific information be blocked from my credit report, in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ), due to my situation as a victim of debt bondage related to XXXX XXXX.

In support of this request, I have provided the required documentation as outlined in the Trafficking-Debt Final Rule 1022.142 ( b ) and as specified by the Consumer Financial Protection Bureau ( CFPB ). The enclosed documents include : - A government-issued photo ID. 
- A current utility bill in my name. 
- A letter from an advocacy organization that verifies my status as a victim of XXXX XXXX debt bondage under Rules 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ).

Please take action to block this information within the four business days required by law. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

American Express failed to properly handle a billing dispute regarding an unrecognized charge in accord with the cardmember agreement and federal law. In sum, my credit card was charged {$3.00} on XX/XX/2023 by a merchant called " XXXX  XXXX '' in " Malvern, XXXX '' But I was not in Pennsylvania and have absolutely no idea what " XXXX XXXX  '' even is. I disputed the charge with American Express and today received a notification from American Express that states the dispute is closed because : " We gathered the attached documentation we needed to explain this charge, and we've determined that you're responsible for the amount in question. '' But the so-called documentation is a computer generated " receipt '' that provides the same information as is on the credit card statement. It doesn't say what was bought, certainly doesn't say that I bought whatever it was, and again states nothing more than something from " XXXX  XXXX '' in " Malvern, XXXX '' I am not responsible for unauthorized charges under either the cardmember agreement or federal law, and American Express ' abject failure to make any reasonable attempt to resolve this issue is unacceptable and unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned 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
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX I applied for a mortgage forbearance. The application process was supposed to take less than 30 days but Nations Direct said that they had a backlog and it would take longer. It took several months during which time they assured me that it was ok for me to not make payments. The forbearance was eventually approved but only after they reported several months of late payments. These negative reports have ruined my credit and I can not refinance my home because of it. I spoke with someone at Nations Direct with the initials XXXX who informed me on XXXX the credit bureaus had all been notified to remove the late payments but that did not happen. Now, Nations Direct is telling me that Ill have to contact their research department, but no one knows how long it will take to resolve this. Ive been denied refinance loans because of this. The matter is time sensitive and Nations Direct is not doing very much to correct it.
Product: Debt collection

National Recovery Agency has placed 4 accounts on my credit report for collections from XXXX XXXX XXXX XXXX. Each with dates and amounts that I have spoken to the hospital regarding and have confirmed with them they have no record of myself or my children XXXX of which is XXXX the other XXXX are XXXX being seen on the dates reported or any history of me owing the amounts listed. I have disputed the collections with the credit agencies and requested validation letters for the debits but have not received them and they wont remove them from my credit report and continue to report on them monthly. The most recent account was placed on my report today saying I owe {$580.00} dollars for an original service date of XX/XX/XXXX. This hospital is located in Texas and I have not been in the state of Texas since XXXX of XXXX as I have been working out of state. The other 3 accounts that they have failed to validate are 2 for the date of XXXX, XXXX on in the amount of {$1500.00} and the other for {$1000.00}. The final is dated for XXXX XXXX, XXXX in the amount of {$510.00}. As I said previously I spoke to the billing department who has confirmed several time that they have no record of these debts I allegedly owe to them for these dates or amounts. Since National Recovery Agency has failed to send the requested information to validate the debts I suspect they do not have it and they know the information they have entered is false and they are attempting to collect on a debt greater than 4 years old which is the statue of limitations for medical debt in Texas and are attempting to collect on debts much older than that by lying about the original date of the debt and illegally re-aging the debt to make it appear more recent. I want them removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the failure of TransUnion and XXXX to provide me with notice of a dispute as required by the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I submitted a dispute to TransUnion and XXXX regarding inaccurate information on my credit report. Despite my submission of this dispute, I did not receive any notice from TransUnion and XXXX confirming receipt of the dispute or informing me that an investigation would be conducted, as required by the FCRA. 
This failure to provide notice of the dispute has significantly impacted me, as I have been unable to address the inaccurate information on my credit report and mitigate potential harm to my credit standing. I am concerned that TransUnion and XXXX 's failure to comply with its obligations under the FCRA may have violated my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Social security number is XXXX on my equifax Credit report theirs is one negative item that's 90 days late its a fraud account I have a federal trade commission identity theft report on file please have equifax removed the one negative item that's fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Have a XXXX XXXX XXXX credit card.They tell me I missed two payments and they are wrong .I paid off the balance. They closed my account it is showing up as a negative.I tried to talk to them and I got satisfaction.
Product: Credit reporting or other personal consumer reports

Recently, I completed an investigation on my credit report and found an item to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1981i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any r
einvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall__ ( i ) promptly delete that item of information from the file of the consumer, or modify that items of information, as appropriate, based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please removed the following items from my credit report, immediately : XXXX XXXX XXXX
Product: Vehicle loan or lease

I was approved and financed a lemon vehicle with XXXX XXXX XXXX and Westlake Finanical. On XX/XX/23 I purchased the vehicle and shortly after leaving the lot the check engine light appeared. Once I finally got it home oil had leaked on to my driveway. i made several attempt to reach out to my salesperson and the manager with no success. I made a visit today to cancel the purchase and get my deposit and they told me neither option was avalable. They promised to fix the vehicle but I would rather get my refund and return the car and be released from the contract
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all invalid data that is reporting to my credit report with Equifax. please delete an remove all information listed to correct my file.
Product: Credit card

On XX/XX/XXXX I received text messages regarding fraud alert from the company stating unusual activity for XXXX XXXX  ( XXXX ) and XXXX ( XXXX ). I responded immediately and the card was blocked. I called and the client services was to open a fraud case, assign an analyst and remove the charges. XXXX XXXX XXXX ( XXXX ) was removed. The XXXX ( XXXX ) was not. A new card was issued. On XX/XX/2024 I activated the newly issued card and found out they transferred the fraudulent charges of XXXX to the new card. I made XXXX calls trying to get help. I was told a fraud case would be started, transferred to lost/stolen who closed the brand new card and said I had to call back to find out how to get the charges reversed. I was hung up on, transferred back to lost/stolen who hung up on me, placed on hold for XXXX minutes and transferred to client services for a fraud analyst who promptly hung up on me. I attempted to contact them via chat 3 times and was disconnected. The charges have not been removed. 
XX/XX/2024 - XXXX XXXX  XXXX - through XXXX XXXX  XXXX talked to XXXX, XXXX, XXXX, XXXX and XXXX others I could not understand their names. Still no resolution. 

I have attached my phone log and the text messages from the credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Clerk of the XXXX XXXX XXXX Filed a notice of withdrawal of Bankruptcy, I contacted the 3 major credit reporting bureaus so they could do there Research and remove this XXXX XXXX XXXX from my credit file XXXX XXXX XXXX 
Ive spent countless dollars and so much of time trying to dispute this unlawful Public record on my Personal Credit file it remains. according to FCRA XXXX and Transunion have 30 calendar days to investigate errors and unlawful reporting.
Product: Credit reporting or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$14000.00} XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I sent XXXX a dispute letter demanding to remove 3 accounts thats not mines. XXXXXXXX XXXX {$120.00}, XXXX XXXX {$3000.00} and XXXX XXXX {$0.00}. They are not following you guys rules, they have yet to provide me with investigation results. I also sent a 30 day to comply and haven't seen any changes or removals. Same with Experian and XXXX and same accounts, except Experian has a account XXXX XXXX {$840.00} that I also demanded to be removed.
Product: Debt collection

I would like these inquiries to be deleted from my credit because I did not authorize these companies to run my credit.
Product: Student loan

I have several dept of ed nelnet charges on my credit report that have been approved for 'forgiveness ' about a year ago by now but all the charges still reflect on my credit report. I need this to be taken off as it does not reflect a proper XXXX XXXX.
Product: Vehicle loan or lease

I entered into a lease on XX/XX/2016 with Toyota Motor Credit. A year later I purchased a home and was informed by my lender that the interest rate for my loan was high. I reached out to Toyota and discovered a Class Action Lawsuit charging that XXXX and XXXX  where targeted with higher interest rates, after filing an eligibility form with Toyota I was excluded from the class action. I met all required criteria : 1. I am XXXX. 
2. I was charged a high rate of interest when my credit score was excellent. 
3. I purchased the vehicle on XX/XX/2016. 

I should not be excluded and I wish to pursue a complaint against Toyota Motor Credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a multitude of errors on my report ranging from items reporting that appear to be someone else 's information, i.e bankruptcies, to items I believe are outright fraud. I have attempted to fix these errors in XX/XX/2016 but did not follow up as diligently as I should. Therefore, there are several items that still remain and some new items that have have appeared. I receive mail at my current resident often with names that are similar to mine but misspelled. I am not sure how this is related except for the fact that my credit report is entirely inaccurate. Please help!!!
Product: Credit reporting or other personal consumer reports

Summary** : Capital One reported a 30-day late payment on account [ Account Number : XXXX ] after the account was closed. A formal dispute was submitted on XX/XX/year>, but no validation or explanation has been provided. 

Attached is a copy of the debt validation letter, copy of my DL, Credit Report, SS Card, Insurance Card for address verification.
Product: Debt collection

I already check my XXXX account and saw a debt that's no mine because I don't have any relation with AR RESOURCES Inc by {$1100.00} amount ; recently I suffered a identity Theft and I sent all information to FTC on date XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Acct reference # 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