23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received an offer from Marriott for a Marriott Rewards Visa card from Chase ( see Postcard attached ). I applied, as directed, on website MarriottRewards.com/XXXXPoints. I printed the offer details from the website ( see XXXX XXXX Visa Offer description attached ). I was approved and received a Welcome to My Card email from Marriott ( attached ). As you will see from the attached documents, the offer included XXXX Marriott points after {$3000.00} in purchases during the first 3 months, as well as XXXX points for adding another authorized user. I fulfilled the {$3000.00} requirement, and expected to see XXXX bonus points added to my account. Instead, only XXXX points were awarded ( see attached My Marriott Account document ). I telephoned Marriott on XXXX XXXX and XXXX, 2016 and was told that Chase generates all reward points - Marriott itself does not generate these points - however, the correct number of points is definitely XXXX ; a XXXX point offer from Marriott does not exist. I telephoned Chase on the same dates, and was informed that, yes, I did meet the {$3000.00} purchase requirement, but that I was " put into '' a XXXX bonus point offer, with XXXX points for adding another authorized user. When I explained that this was NOT the offer for which I applied, I was told that that was the offer they decided to give me. Chase apparently took it upon themselves to give me a credit card offer FOR WHICH I DID NOT APPLY. When I questioned this " bait and switch '' tactic, I was told to contact Marriott. I called Marriott a second time on XXXX XXXX, and it was confirmed that the offer was, indeed, for XXXX bonus points ; that no XXXX point offer exists ; that adding an authorized user awarded XXXX points, not XXXX ; that Chase would need to rectify the situation by awarding me the additional XXXX points due to me ; and that the details of this issue were being notated by Marriott, should they need to be verified at a later date. I am reporting this issue to you, since it does appear to be a bait and switch tactic. I applied for the Visa card that was presented to me in Marriott literature, and this was not honored by Chase.
Product: Credit reporting or other personal consumer reports

am a victim of identity theft, and fraudulent accounts have been reported on my credit file without my knowledge or consent. Under 15 U.S.C. 1681c-2, I formally requested Experian to block and remove these unauthorized accounts from my credit report. The fraudulent account includes : XXXX Account Number : XXXX Despite my request and my legal right to have this account removed, Experian has failed to take proper action. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), credit bureaus are required to block fraudulent information upon receiving an identity theft report. Additionally : 15 U.S.C. 1681i mandates a reinvestigation and removal of unverifiable information.

15 U.S.C. 1681e ( b ) requires credit bureaus to ensure maximum accuracy in reporting.

15 U.S.C. 1681s-2 ( a ) prohibits data furnishers from reporting inaccurate or fraudulent information.

15 U.S.C. 1681i ( a ) ( 5 ) ( D ) requires credit bureaus to notify other agencies of removed fraudulent accounts.

I have provided all necessary supporting documents, yet Experian has failed to comply with its obligations under federal law, allowing fraudulent accounts to remain on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to XXXX  and Equifax about several inquiries that were not initiated by me. I ask for verification and validation of the information. I had an existing fraud alert on my credit report but still ended up with inquiries.
Product: Debt collection

Today, I received an email from a TrueAccord debt collector trying to collect a debt to XXXX XXXX ( debt id : XXXX ). XXXX XXXX charged me for a service they had never provided for about a year since I switched from XXXX to XXXX. I didn't demand the payback, but I should if you could help me. When I found out about the situation, I requested a credit card provider to block this payee after my call to XXXX, and they refused to stop the charges. Not only did they fail to provide a payback for services they never provided, but they sent me to a debt collector for the money I authorized the credit company to cancel transactions after they received my proof that the XXXX they claimed to provide service for was in-service with a different provider, XXXX. Please find the proof of service by XXXX for the disputed timeframe attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this letter to all 3 Major Credit Bureaus on XX/XX/XXXX requesting an investigation for several inaccurate reporting on the Date of last activity date, High credit amount, date of last payment, last reported date are all inaccurate from one Bureau to another. This is affecting my credit score and my ability to make major purchases. 


To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. XXXX is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and Equifax is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. Below you will find a screenshot of the account. 
XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Unsecured loan Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$21000.00} {$21000.00} {$21000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$25000.00} {$25000.00} {$21000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$21000.00} {$21000.00} {$21000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Unpaid balance reported Charged off account Profit and loss write-off as a loss by the credit Unsecured grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Bank account or service

I had about {$5.00} remaining in an old bank account I was not using. Another company extracted an {$8.00} payment from that account because they had the account information from 2 years ago and I did not realized that the credit card I had been using for auto pay for an $ 8 monthly payment had just expired. Low and behold, my + {$5.00} turned into {$160.00} of Citizen 's Bank charges. They charged me XXXX {$35.00} charges in overdraft fees and another XXXX {$7.00} charges over the course of the next 20 days. When I finally received my hard copy of the charges in the mail, I contacted XXXX and they said they 'd refund me {$35.00} but thats all they could do. Crooks!!! Stole {$120.00} from me because their policy allowed and INSTRUCTS them to do it! Never again!
Product: Credit card

I received a call from this number today- ( XXXX ) XXXX and they had my email, home address, and stated an Apple Credit Card was opened in my name. I suspected this was a scam when the person did not introduce themselves or say who they were representing. The person on the phone then said that someone had been making charges with the card and he would close it for me. He then asked me to complete my Apple Card application on my IPhone so he could then close my credit card through Apple and Goldman Sachs. To which I refused and actually canceled my credit card application on my XXXX and asked to speak with his XXXX. I then hung up, and called Apple Card Credit/Goldman Sachs to see if they had knowledge of a credit card being opened in my name which they had not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Acoount # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX These items are in violation of 5 USC 1681 Section 602 A right to privacy 15 USC 1681 Section 604 sec. 2 written consent
Product: Credit reporting or other personal consumer reports

the information on the credit report was not authorized and needs to be removed. I have spoken with XXXX, Equifax and XXXX however they are not complying with this request and failing to provide information about the information on the report. I have told them that that information was not valid on my credit report however they states that its going to stay on them. 
the following inquires needs to be removed from my report due to it being un unauthorized. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXXXXXX. Please correct and update.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent
Product: Debt collection

I have tried on several occasions to get this company to validate this debt meaning get copies of the entire account including payments so I can determine what was actually mine and what was fraudulent because my accounts were compromised. Resurgent Capital Services is working on the behalf of LVNV Funding LLC which purchased the debt from XXXX XXXX/XXXX Account. The only item I received was a closeout statement from XXXX with no detail attached. Please see the attachment. 

LVNV is also using deceptive practices in an attempt to cause additional harm to my FICO or XXXX score by listing itself as a Retail Company instead of a collections company. It has listed this loan type as a factory company. Additionally, it is stating my first delinquency was XX/XX/2019 to impact my score even further to trick the scoring system into believing that this is a recent late payment. Please see the document that Resurgent provided stating the charge-off date of XX/XX/2019. Even if this company purchased the debt on XX/XX/2019 legally they must report the actual charge off date. Lastly, if the charge off date was XX/XX/2019 how could LVNV report as the " Date Major Deliquencey First Reported '' of XX/XX/2019? 

In a further effort to drive my score down this company is listing a past due balance when, in fact, they are a collection agency and if the company, i.e. XXXX XXXX has already written this off on its profit and loss. I understand that a collection agency can report an outstanding balance but not list it as a past due balance. 

I believe this company has engaged in deceptive practices to harass me into paying a debt that they have been unwilling to validate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Years ago I had a XXXX credit card.XXXX went out of buisness and I assumed the account was closed.The XXXX credit card was through XXXX XXXX XXXX.Then, for some reason, I ended up with a shop your way card from XXXX that showed up on my credit reports.I never signed up for a shop your way card through XXXX nor did i ask for my XXXX card to transfer over to shop your way card.I never asked for a increase for credit for shop your way card or ask XXXX to reopen the shop your way card when they said it was denied.XXXX needs to provide proof that i signed up for a shop your way card or asked to reopen or increase in credit.Never had a option to opt out as well.On XX/XX/XXXX at XXXX I called customer service and spoke to " XXXX '' ( # XXXX ) and she stated she doesnt have any paper work and cant provide any paper work to me. 

card number ... XXXX member since..XX/XX/XXXX valid thru ... XXXX account closed on ... XXXX or XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Experian and Equifax for failing to properly investigate and remove inaccurate and unlawfully reported charge-offs from my credit report, despite multiple disputes filed over the last two years via written correspondence and phone calls. Experian and Equifax has consistently violated my rights under the Fair Credit Reporting Act ( FCRA ) and ignored my disputes without conducting a proper reinvestigation as required by law. Violations of the Fair Credit Reporting Act ( FCRA ) : Failure to Conduct a Proper Reinvestigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Under the FCRA, Experian is required to conduct a reasonable reinvestigation when a consumer disputes an item. Despite my previous disputes, Experian and Equifax has continuously failed to verify the accuracy of these charge-offs and remove them when the creditors failed to provide proper documentation. Unlawful Reporting of Charge-Offs Without Issuing a 1099-C ( 26 U.S.C. 6050P ) Creditors are legally required to issue a 1099-C Cancellation of Debt when a debt is charged off, written off or canceled. If no 1099-C has been issued, the debt has not been officially canceled, making it unlawful for Experian and Equifax to report it as a charge-off. By reporting charge-offs without proof of a 1099-C, Experian and Equifaxis willfully misrepresenting my credit obligations, which is a violation of 15 U.S.C. 1681e ( b ) ( duty to maintain maximum possible accuracy ). Failure to Verify or Validate Debt ( 15 U.S.C. 1681s-2 ) : The furnisher failed to provide verifiable proof that the charge-offs were valid, yet Experian and Equifax continued to report them. The failure to properly investigate and validate these accounts violates federal law. Recent Lawsuit Against Experian and Equifax & Precedent for Permanent Removal : A recent lawsuit against Experian and Equifax highlights their pattern of failing to conduct proper reinvestigations and verify data, leading to numerous wrongful credit report entries. noncompliance with the FCRA. 
In addition to this I was sent a letter from both Experian Equifax stating no charge off accounts are listed on my account which I received XXXXXXXX XXXX when that is untrue as they provided a report listing the very accounts in question.
Product: Debt or credit management

I write to you for having been deceived and scammed by the company Freedom Debt Relief when I talk with them, I let them know that my interests were to improve my credit with the objective of buying another property and they recommended debt consolidation making payments every month to eliminate the existing debt that was generated by economic problems that were happening at that time. What they didn't tell me was that it would take more than 6 months, that by not paying my credit cards on time they would seriously damage my credit score and that in the end they would not help me resolve the damage to my credit and meet my goal of buying another property. I am still interested in my goal and in being able to invest, although with this credit that I have now it is more complicated to request loans from institutions. I turn to you to look for a solution to my problem and to address my case, understanding how there are companies that do not provide you with real information and that later are not responsible for fixing the damage caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on a deferment plan because if covid 19- i was reported as being on the plan on credit report with all payments on time. All of the sudden now they reported late payments 2 times this year. I have tried my best to call them and explain and ask for help.i also made all if my payments as they asked me to eventhough i was unemployed, just to keep my credit clean. I need someone to help remove the lates because i feel i have been wronged. I have called them consistently to make sure whatever they tell me to do will keep my credit clean - whatever they tell me i would do as far as minimum payments to keep report clean until i regain employment. Please help.
Product: Credit card

Subject : Incorrect Returned Payment Charges on capital one Credit Card Statement I have 2 accounts with capital one. I am writing to bring to your attention an issue with my recent credit card statements. It appears that several payments I made to my Capital One account have been incorrectly recorded as returned payments. Consequently, these payments are being reflected as charges on my account instead of credits. 

For example, I made a payment of {$200.00}. However, my statement indicates that this payment was returned. I have verified with my bank that this payment was successfully processed. 

Despite my attempts to resolve this issue through phone conversations with customer service representatives, the error remains unresolved. I am requesting a thorough review of my account to correct these inaccuracies. The payments in question were successfully processed and should be accurately reflected as credits on my account but then on their statement it says they received it and then it says returned so then its like if I never made that payment and this is on multiple payments. Since then they have closed my accounts I was making multiple payments monthly. XXXX I will gladly forward all statements to support my complaint. 

Thank you for your attention to this matter. I appreciate your prompt resolution of this issue and look forward to your response. 

Sincerely, XXXX XXXX -- - Attachments : XXXX. Bank Statements Confirming Payments ---
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Account Number : XXXX To Whom It May Concern at SANTANDER, I believe there has been a mistake involving my account that suggests I owe a debt under false pretenses. This error has led to negative information about me being shared without my permission, harming my financial reputation. 

I understand that financial institutions are not required by the Fair Credit Reporting Act to report negative information to credit agencies. I have never given consent for my private information to be shared with third parties without my agreement. 

It appears that my personal information was used without my permission, negatively affecting my credit. This action seems to violate my rights and I suspect it could be considered a serious legal matter. 

I request SANTANDER to show evidence that I agreed to have my private information shared. If there is no such evidence, it suggests that my information was used wrongly to damage my reputation. 

Additionally, if my account was reported as a charge-off or in collections, I ask for : Proof of the debt, Audits and certifications related to the debt in line with legal and financial standards, Any errors in billing or documentation related to my account.

If you can not provide this information, I believe there has been a violation of my rights. I formally withdraw any previous permissions that may have allowed my information to be used without my direct consent. 

This letter is to ask you to correct the misinformation by removing the negative information from my credit report, setting the account balance to zero, and updating my account status to " Paid as Agreed. '' This is my final effort to resolve this issue before considering legal action to ensure all involved are held accountable for this misuse of my information. 

Sincerely, XXXX XXXX All Rights Reserved without Prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the three major credit bureaus of XXXX, Transunion, and XXXX, along with XXXX XXXX, an automobile leasing company, has violated my rights. According to 15 U.S.C. 1681 Section 602A states that I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish an account without consent, and I did not give any of these entities ( XXXX, Transunion, XXXX, or XXXX XXXX XXXX permission to publicize my personal information. Therefore, I am requesting that this account be deleted/removed from my credit reports.
Product: Checking or savings account

My Business XXXX XXXX XXXX account mailed a check for {$5500.00} to U.S. Treasury. The check was deposited into a Bank of America account. 
I filled a claim with XXXX on XX/XX/2023, XXXX submitted claim for fund reimbursement. To date Bank of America has not responded to XXXX request of claim.I have sent 4 emails directly to Bank of America fraud claims with no response. 

The check for {$5500.00} was made out to US Treasury, The check was deposited into a Bank of America account, which is clearly not the US Treasury. It has been over 90 days now. XXXX claims that BOA is responsible for the funds. 

My claim number is XXXX
Product: Debt collection

XX/XX/2015 a account was open fraudulently the amount owed is {$2400.00} action that was taken was them adding this to my report i wish to have this blocked and remove.
Product: Credit card

In XX/XX/2021 I purchased an air conditioner from Home Depot under the condition that it will be interest-free if paid in full within two year. 

I paid the full amount in full and within the 24 months yet I being charged {$1600.00}. Home Depot acknowledged receipt of the full amount and within the 24 months of the agreement but says that because their system only allows them information for few months only, they wont reimburse the interest. 
At one point I got a call from the H D and told me that they will return the charges but that I had to talk to Citibank. When eventually talk to the bank, they didnt know anything about the credit and the person who called me was no longer on the line, I have call H D over 10 times, sent many letters, including a certificate return receipt letter, but all to no avail. 
Please HELP me, I am a retired XXXX XXXX XXXX to whom this amount represents a fortune. 
XXXX XXXX