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

On XX/XX/21 an ordr from XXXX for {$59.00} was cancelled but the charges went thru to my chase card ending in XXXX. I called chase 2x- first time spoke to XXXX who said she would cancel my card and issue a new one- ut would not reverse charges. I then called again and asked for a supervisor- waited 27 minutes- no supervisor responded. I have attached the email from XXXX indicating i would not be billed for the $ XXXX and proof chase billed me for such.I have made a complaint to the Washington XXXX XXXX XXXX XXXX
Product: Credit card

As a member of Amazon Prime I applied to a store card due to the perks provided. I was approved and account opened. The creditor Synchrony Bank involuntarily enrolled me in paperless statements. I was not aware of this enrollment and thus did not receive a paper statement to make a payment. I found out about the issue when my transactions were being declined and I contacted Synchrony Bank to understand why. I was informed my account was past due. I informed them I never received a statement to submit payment. I was informed I was enrolled in paperless statements which is why I was n't receiving a statement. Once that information was provided, I switched back to paper statements and made the necessary payments to bring my account to current. I later found Synchrony Bank provided negative information to the credit bureaus for late payments/delinquency. I had asked that be corrected since it 's their fault payment was n't make due to involuntarily enrolling me in paperless statements. As of today, those negative marks are still on my credit bureau reports ... ..I want them removed. Synchrony Bank should not be able to just enroll people in paperless statements. None of my accounts are paperless as I do not manage my accounts in that fashion. I use paper statements ... .thus the reason account was n't paid as required during initial months after opening. Once the issue was identified, the account was immediately brought current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX/ citi bank, Thank you for your request of my drivers license, however, it contradicts to the information you send over through CPFB. When I asked your firm to send over any supporting document to prove the loan belongs to me, you sent over a foreirgn passport indicating the loan belongs to a foreign student. I don't think a foreigner will have a US drivers license. I already told you that I'm a US citizen and I never lived in Texas, where according to your document, is the place the loan originated. Thus I have to believe that you don't have a drivers license on file for this alleged loan, and you have no proof that it belongs to me. Unless you can send over the alleged drivers license on file to connect this loan to me, I demand that your firm remove this fraudenlent information from my credit file within 5 business days you receive this. Otherwise I will sue you for punitive damages.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report, and I noticed the following inquiries dont have permissible purpose XXXX XXXX this account does not have permissible purpose according to 15USC 1681B XXXX XXXX this account does not have permissible purpose according to 15USC 1681B XXXX XXXXXXXXthis account does not have permissible purpose according to 15USC 1681B
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres 3 fraudulent credit inquiries on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX  and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to Experian. Here is the tracking number XXXX. However the credit bureau said they completed the investigation and everything was 100 % accurate. 

According to the la

w 15 U.S. Code 1681a- Definitions ; rules of construction. The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XX/XX/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

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft WFDS Account Number : XXXX This is not mine. 

2. Identity Theft CHILD SUPPORT ENFORCEM Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine
Product: Credit reporting or other personal consumer reports

* Account Name : XXXXXXXX XXXX Account # : XXXX Complaint Details : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 I am filing this complaint because there is a charge-off on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). 

Specifically, the charge-off listed under XXXXXXXX XXXX is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : 1. Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth. 
2. Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification. 
3. Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within 30 days of my dispute. 


I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor can not substantiate its accuracy, that it be removed from my credit report. 

Action Requested : * Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611. 
* Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. 

Thank you for your attention to this matter. 
Sincerely, [ XXXX XXXX ]
Product: Credit card or prepaid card

XX/XX/2021 American Express had welcome bonus of XXXX XXXX XXXX Bonus Points for getting a new card. Required to spend {$1000.00} in XXXX months. I applied online. 

I charged over {$1000.00} in the first XXXX months. 
XX/XX/2021 Called American Express. They said that I did not qualify and that when asking for card there was a " pop-up '' saying that I did not qualify. 

Never. Why would I ask for the card if I was not going to get the bonus offer. 

The supervisor, XXXX said that I did not qualify, but she did not know why. She opened a " case '', but I never heard any more. 

I
Product: Mortgage

Many issues with Flagstar Bank : 1. We purchased a home with the builder of our home and closed on XXXX XXXX. 
2. The loan service was XXXX XXXX. 
3. We paid our mortgage ON TIME. First loan payment was XX/XX/XXXX. Second payment was onXX/XX/XXXX. 
4. WITHOUT BEING TOLD ( we did not receive a letter from XXXX XXXX ), they " sold '' our loan to Flagstar. First time we were notified wasXX/XX/XXXX by Flagstar Bank that they had our loan. The letter stated we owed them for XXXX AND XX/XX/XXXX payment. 
5. I immediately called XXXX XXXX and Flagstar Bank. Both had a descrepancy on the " loan sell '' date. XXXX stated XX/XX/XXXX, therefore they keep my XX/XX/XXXXpayment, and Flagstar stated it was XX/XX/XXXX, therefore they keep my XX/XX/XXXX payment. 
6. Flagstar then proceeded to tell me to " double pay '' my mortgage. And that way they will " reimburse me '' when it gets settled. I told them I am NOT interested in paying a double mortgage, when the FAULT IS THE INSTITUTIONS. Not mine. 
7. I have several documents showing the exchange, my payments, etc. 
8. I then receive a confirmation email by XXXX XXXX by Flagstar Bank on XX/XX/XXXX stating that she received an email from XXXX stating that they will receive the payment and she was " sorry it took so long to resolve the issue ''. 
9. They still have not fixed the account. I have been paying the mortgage every month and writing them a confirmation # that the mortgage I am paying is for the on-time month payment, since they have NOT fixed my account. 
10. This has affected my credit.

11. Additionally, they are saying that I owe them money now for home owners insurance and property taxes WHICH HAVE BEEN PAID and I have sent them documentation of proof. Additionally, I have a PMI wrapped into my mortgage payment and they are saying I never paid that and that they were taking it out of my escrow. Which is FALSE. My mortgage payment is with the PMI of {$320.00} built in for a total of $ XXXX/month that I pay. Now they want me to pay them an additional {$3100.00} because they said I never paid them. 
12. I am on the phone with them at the moment, and they said that their internal departments DON'T SPEAK TO EACH OTHER and therefore they have no proof of payment nor email exchanges, nor that there was a previous lender. 
13. THIS FEELS VERY PREDATORY.

14. I pay all my bills on time. I am very responsible. I work very hard to provide for my family and my community as a XXXX. I have now spent over 80 hours of my time in the last 3 months to resolve their institutional problems that is AFFECTING MY CREDIT AND MY BANK ACCOUNT.

15. Please help. This is just unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on loans with XXXX - partial account numbers XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Debt collection

I have been trying for weeks to contact Erin Capital Management LLC, to try to resolve the issues of an alleged debt that I have never incurred, I have never XXXX credit cards in this country, I do not even have credit, I have never applied for anything that has to do with credit and this company sent me a document that I have an alleged debt of which I asked them if at least they had a signature and they have nothing, they did a procedure that I never knew had happened, I found out all this because I said Debt collector contacted my employer and started me taking {$60.00} a week out of my check for an alleged debt that I never had. I don't even have credit. I need this company to stop charging me, and pay me all the money they have taken from my checks. 

DOCKET NUMBER : XXXX Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 10 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

Please review this complaint carefully, as it was submitted with full intent. My credit report contains incorrect personal information, which has led to accounts, transactions, and other items appearing that do not belong to me. This is extremely concerning and has caused me significant stress and anxiety. It is unacceptable that my report includes inaccurate data, and I should not have to deal with the consequences of errors that are beyond my control.
Product: Credit card

I have a XXXX store card held by Comenity Bank. 

I made a purchase online on XX/XX/2023 and used {$45.00} of credit card rewards to pay for my purchase. I then returned the item in store on XX/XX/XXXX ( receipt attached ) and the cashier processed the return and rang up the items I was buying in store. You can see on the receipt that the item cost {$60.00} and I was getting refunded {$15.00} with a line under that I used {$45.00} credit card rewards. The {$45.00} rewards was not processed on that receipt and nor was it returned to my credit card. 

I reached out to the company on XX/XX/XXXX stating that my {$45.00} in rewards was not credited back and was told it would be forwarded to the correct department. I did not hear back after XXXX weeks and reached out again on XX/XX/XXXX. They responded with something that had nothing to do with my question and then after another message exchange, I was told that a dispute was being opened for the missing {$45.00} ( message attached ). I never gave the okay or permission to open a dispute- which created a note on my credit reports. I believe this is illegal for them to act on my behalf for my credit. 

After many back and forth messages ( with some of my messages being completely ignored ), I was told on XX/XX/XXXX that {$45.00} in credit card rewards was added to my account on XX/XX/XXXX. I then went to my rewards section and did not see anything that supports this. Instead, I saw {$0.00} added on that date ( proof attached ). XXXX cents and XXXX dollars are XXXX very different things. I went back and forth again and they insisted the {$45.00} was credited back to me. They told me that they can open another dispute. 

In the middle of this, I have had XXXX {$10.00} rewards expire. Mainly because I have spent XXXX months trying to get my money back that they owe me! I went to use XXXX of the rewards on the day it was supposed to expire and it was not in my account to be used. I am not sure how something can expire on a day and not be available for use. This is false advertisement!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have invalid accounts reporting to my credit report I have tried to solve this many times with the company both bureaus and the creditor. Despite two-three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing ; Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX  XXXX Account XXXX XXXX This charged offs account are reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXXXXXX OPENED : XXXX BALANCE {$830.00} Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX XXXX : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to LEXISNEXIS I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Debt collection

Numerous Contacts including re-uploading receipt of payment. This company refuses to remove it from my credit report and reflect it as paid. It is a continual effort on my part to show the account was satisfied.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldnt include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX CO XXXX Account Number XXXX XXXX XXXX CO XXXX Account Number XXXX XXXX  XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX   Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, IN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, IN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX  XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, IN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I updated my credit profile and seen an unrecognized account on my file. Im a victim of identity theft and have no knowledge of the accounts being reported.