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

Case Number XXXX RE : PAYPAL XXXX Transaction Date : XX/XX/2017 Disputed Amount : {$460.00} XXXX XXXX has closed my dispute case and refused to credit my account for a purchase that was knowingly fraudulent/dishonest by the seller. As evidenced in the attachments submitted, the merchant agreed that the seller was to issue a refund - however, the seller refused and I was never even given an opportunity to return the item ( see XXXX Item/Sale pages ). In the end, the item also turned out to be defective ( see XXXX letter of second opinion ). The evidence was submitted during the initial dispute entry ; XXXX XXXX dragged their feet on the matter and stated not enough evidence was provided in a timely manner, which is false and completely unacceptable. Please review as this is my final attempt to make things right. If a resolution ( in the form of a refund ) is made, my wife and I will be eliminating use of all of our XXXX XXXX cards, closing our Money Market account and transferring our funds to our credit union account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$120.00} XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I need a background check to be ran by a prospective employer. I've created an account. I'm trying to download my information on the site. It's not accepting my dispute or any of my information. They are asking me to fax my info but now I'm very particular about doing so because I don't trust them especially after hearing about a security breech. All I can say it's costing me a job and now I'm at risk of being unemployed all because I can't update my address to my current one on their website!!!
Product: Debt collection

On XX/XX/2020 LVNV FUNDING LLC had someone pounding on my door like the cops when i answered the door the guy handed me papers saying I was being sued for a debt in the amount of {$5000.00} for an old XXXX account that I had. I asked him how they had a right to sue over an old debt that has been cleared off my credit report to which I was told XXXX  like you deserve what you get. This company has put the debt back onto my credit report claiming it is brand new debt to which it is not. I didn't sign for the paperwork he just forced me to take it. The original date of the filing was XXXX, we are in XXXX, I don't see how they have the right to do this.
Product: Credit reporting or other personal consumer reports

{$5500.00} Open balance XXXXXXXX XXXX Original creditor XXXX Opened XXXX XXXX, 2022 ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S Code 1681c-2 a consumer reporting agency that block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the the date of receipt it has been 30 days and you are in violation of this law because i am a victim of identity theft please delete these items immediately These Accounts should not be furnished on my consumer report as they in violation under 15 U.S Code 1681b Permissible purposes of consumer reports in General Subject to subsection [ c ] any consumer reporting agency may furnish a consumer report under the following circumstances and no other [ 2 ] in accordance with written instruction of the consumer to whom it relates i never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as federal protection consumer no consent is identity theft as a consumer i am demanding the deletion of the accounts listed immediately 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

I recently went over my credit report, and I noticed that there are payments that are being reported as late on two accounts XXXX and XXXX. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there 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 procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) : In general if, after any reinvestigation 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 item 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 remove the following items from my credit report, immediately : Personal Information 1. INCORRECT ADDRESS - XXXX XXXX XXXX XXXX XXXX XXXX - The personal information is incorrect- please remove this from my credit report immediately. 
2. INCORRECT ADDRESS - XXXX XXXX XXXX XXXX XXXX XXXX - The personal information is incorrect - please remove this from my credit report immediately. 
Accounts XXXX. XXXX XXXX. This account is being reported inaccurately, please remove this from my credit report immediately. 
XXXX. XXXX - XXXX. This account is being reported inaccurately, please remove this from my credit report immediately. 
XXXX. XXXX XXXX - XXXX. This account is being reported inaccurately, please remove this from my credit report immediately. 
XXXX. XXXX XXXX - XXXX. This account is being reported inaccurately, please remove this from my credit report immediately. 
Inquiries XXXX. XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 120 days past due on XXXX XXXX CU partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score was XXXX on XX/XX/2023, now it is XXXX. I am disputing this decrease. Once again my credit score was decreased XXXX by experian on XX/XX/2023. XXXX XXXX increased my credit limit because I pay my balance to zero every month. So, XXXX XXXX rewards me by increasing my credit limit and experian decreases my credit score by XXXX. So, paying all my bills on time is a punishment? How does that make sense experian? This company is discriminatory. Like I mention every time I file a complaint about experian. Horrible and very annoying. I have to constantly monitor my experian account/credit score because of some bs idiotocracy from experian.
Product: Mortgage

I applied for a loan and provided the location of my job and location of the property. At the end of the process I was asked to pay {$550.00} for an appraisal then I was told I was denied because my job was too far from the location of the property. My question is why was I asked to pay for an appraisal when the they had all the information from weeks before? Then I was sent the denial letter stating there was problems with my credit as if they were trying to cover their tracks. They had run my credit weeks before I paid for the appraisal so the question again is why was I asked to pay for an appraisal when they should have known they were going to deny the loan?
Product: Credit reporting or other personal consumer reports

I took out XXXX XXXX XXXX XXXX auto loan but somehow a credit card account was opened too. I never did this. The XXXX XXXX fraud team sent me an e-mail validating this is not my account. Please remove the reporting for the XXXX XXXX XXXX XXXX closed credit card account. It is a balance for about {$3000.00}.
Product: Checking or savings account

I did not receive my payroll direct deposit on XX/XX/year> and still have not received it on XX/XX/year> in the amount of {$500.00} from capital one. I have called twice with no indication of when my funds will be in my account. 
Further, I oversee the entire XXXX department that I am employed at and the funds were transferred out of our company bank account and sent to capital one on XX/XX/year>. Capital one has broken XXXX XXXX XXXX by not making earned payroll paid via direct deposit available to withdrawal to employees ( myself ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # 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
Product: Credit reporting

Under one of the " negatives '' attached to my report they have an entry which says, " oldest account opened too recently ''. 

My oldest account is with XXXX and is XXXX XXXX XXXX. 

Please correct.
Product: Credit card or prepaid card

TJMaxx Credit Card, I made a payment in full for {$82.00} on XX/XX/2019 it did not show as paid on my online account. It appears it posted later XX/XX/2019, however I paid again as it didn't show as paid. Once it did  appear I reversed the overpayment by stopping my bank from paying a second time. I also called TJMAxx CC to inform them to not process this second payment of {$82.00}. As a result I now have a credit of $ -XXXX. It would have been $ -XXXX. However by stopping overpayment only was a credit $ -XXXX. 
Today XX/XX/2019, I received a disturbing letter dated XX/XX/2019 from Synchrony Bank stating they decided to close my account : Reason for decision : the number of dishonor payments on this account. 
( 1 ) my bank reversed overpayment the TJMaxx agent I spoke to indicated there was no record of me speaking with a TJMaxx agent upon realizing I overpaid. I did speak with their agent. However appears nothing was noted. 

I called today spoke with XXXX and escalated to XXXX. They continued to tell me due to the " dishonored payments '' they could not reverse. Even though they agreed it would be an overpayment. As my account now indicates a credit of $ -XXXX. 

Originally this CC was unsolicited and sent to me while they took it upon themselves to close my original TJMaxx Rewards card and replace with the current credit card. Not my choice. My TJmaxx cards have always been paid in full every month. Never carried a balance. In addition I had earned numerous reward certificates for purchases that are now invalidated due to their decision to close this account on the basis of me stopping an overpayment to this credit card. 

Complaint : 1. Closing my account based on overpayment 2. Invalidating reward certificates earned due to closing my account Please advise. As I like many work very hard to make my payments and pay most cards in full to avoid the unreasonable APR fees. I am upset as this affects my credit rating and I loose rewards earned. 

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

Good Morning, I take pride in my credit and I value it very much. I have been trying to contact Experian and XXXX  with regards to reporting a late payment from XX/XX/XXXX on this account XXXX/XXXX and XXXX XXXX XXXX the big issue is that they are lying about verifying the late payment when the company is out of business and has been for quite some time. These credit bureaus need to do their jobs and actually contact the company and verify what complaint/dispute is being made. This account has been closed out since XX/XX/XXXX and I have been trying to get this falsely 30 day late payment removed from this account and it still has a negative reporting on my credit profile. All I want is for them to do their job and get these 30 day late payments removed from my credit report as soon as possible. They are always saying that it was verified when they are not even contacting the company. 

Kind Regard, XXXX XXXX
Product: Debt collection

On XX/XX/2019 a legal and lawful cease and desist order was transmitted via fax to Immediate Credit Recovery, Inc. Confirmation of said transmittal was obtained. ICR, Inc. violated said cease and desist order on XX/XX/2019 by sending yet another attempt to collect via postal mail. Another notice was transmitted to them via fax informing them of their violation and of there consequent inclusion in any litigation to follow.

ICR is now in direct violation of a legal and lawful cease and desist order.
Product: Credit reporting or other personal consumer reports

I have filled a dispute with documentation to Equifax for two creditor still reporting balance on my credit report XXXX XXXX and XXXX XXXX XXXX. With documents that was provided credit report should be updated immediately not in 30 to 45 which I was told. This is unacceptable!!
Product: Checking or savings account

On XX/XX/2018 I went to Wells Fargo at XXXX XXXX XXXX   and the Banker informed that I need Photo ID and debt card or another verification and make a deposit of {$25.00} said that with the United States that all Banks check credit to open account is that legal because many individual with the United States try to establish credit and open a bank account could be one form of establishing yourself what give any Bank or Financial Agency credit my credit or any one to open account if that was the case then they should not as for a deposit I use be former employee of XXXX XXXX  and the account that I have with them was not treated as employee account they charge me fees please investigate this Bank ensure that they operating according to United States Federal Regulation with opening accounts process all banking products with the United States and no discrimination against me and anyone else and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulations
Product: Debt collection

Caine & Weinber put this collection on my account and I had no knowledge that there was a balance. This Should not be on my credit report.
Product: Credit card or prepaid card

On XXXX  XXXX, I contacted the American Express ( Amex ) Customer service at XXXX CST regarding the product. During this 50 min 8 sec call, a customer representative confirmed that I will be receiving a welcome bonus of 150,000 Hilton Honors Bonus Points ( Reward points ) after appy this credit card product ( Hilton Honor American Express Surpass Credit Card  ) and spend {$3000.00} in purchases on the Card within first 6 months of Card Membership. 

While confirming with her ( Amex Customer Service ) about any restriction from receiving the welcome bonus, she confirmed 'as long as you never applied or received a welcome bonus from this product ( Hilton Honor American Express Surpass Credit Card ), then you will be eligble for the welcome bonus ( of XXXX Hilton Honors Bonus Points ( Reward points ) ) '. I again confirm with her regarding any restriction from receiving the bonus, there is no mention of term 'Based on your history with credit Card balance transfers, American Express welcome offers, introductory APR offers, or the number of Cards you have opened and closed, you are not eligible to receive the welcome offer. ' from this Amex Customer service.

Since the call was recorded and the details of offer were mutually confirmed ( that I will be receiving the welcome bonus after the qulified spending of {$3000.00} ), I agree this agent ( Amex Customer service ) to proceed the application of Hilton Honor American Express Surpass Credit Card. 

On XXXX XXXX, I received an update by Hilton Honor ( XXXX ) regarding the new card benefits. 

On XXXX XXXX, after receiving the product. I contacted the Amex customer service at XXXX CST regarding the card details and benefits. Amex customer supervisor- XXXX was confirmed 'As per the bonus offer terms, your welcome bonus offer was declined. ' A misrepresentation of a credit card product provided by an American Express agent could be against the law in the state of Nevada. Specifically, it could be considered a violation of Nevada 's deceptive trade practices laws ( NRS Chatper 597 ), which prohibit businesses from engaging in false or misleading advertising, marketing, or sales practices. Under Nevada law, a business can be held liable for making false or misleading statements about its products or services, regardless of whether the statements were made intentionally or negligently.
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted Experian,  XXXX  and   XXXX   from  XXXX  concerning inquires that were removed from credit report that still appears on there. they advised that they were removed. keep calling back now they tell me that I need to contact the companies that requested my report. I contact those companies and they refer me back to the Agencies. this is an on going issue that I want to have removed. I have also had addresses on the account that did not belong to me. My father was put as my husband.  XXXX  list other people names and ssn on my credit report. The last updated report received from  XXXX  had full ssn of other people that is a violation. They mixed up files. only  XXXX  address and employer should be listed on my file. Every time you call now everyone is a supervisor at Experian and  XXXX  and cant help you. The purpose of putting a fraud alert and security freeze is to be protected from theft. These companies are allowing others records to be mixed with different people and if you call to validate and have the information removed its always an excuse. When I call to check on status of disputes I will get a letter in the mail stating that it has been extended due to recent inquires. This is not acceptable.
Product: Debt collection

I was called at XXXX XXXX Eastern time and that is a clear violation. 
They were told to no longer contact me on XX/XX/XXXX and they tried calling me again. this is a CLEAR VIOLATION OF THE FDCPA They violated 1. Continuous communication - after I requested on XX/XX/XXXX for them to no longer contact me on the phone. 
2. Not identifying themselves - as they have this whole time, spoofing numbers and not identifying where they are calling from or who they are. 
3. Ignoring a request to cease communication as i requested XX/XX/XXXX 4. calling after XXXX XXXX. i received a call at XXXX XXXX eastern time they are the only creditor in a different time zone and who had used tactics that violate FDCPA
Product: Money transfer, virtual currency, or money service

I have a cash app. I have had a cash app account for many years I have my paychecks deposited on there I use it for everything. One day I went to go load cash at a local retailer and that feature was gone I called and asked why. They couldn't give me answer said they have no information to give me. The app is called cash app. I need to be able to add cash to my account. I don't understand why they would just randomly delet it from my account with no notice or explanation why
Product: Checking or savings account

On XX/XX/year>. I received my tax refund of {$35000.00} from XXXX. I withdrew {$400.00} XXXX XXXX from the ATM and I also tried to use my debit via the XXXX XXXX but unfortunately, they restricted my account I called to find out what was wrong but they couldn't give me a reason and no definite time they will resolve my account. 

Kindly help me.