23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report, and I am finding debt that I have no knowledge of and I would like the creditor to remove from my credit report as it is making it hard for me to purchase a new home. The following are listed, and I am asking to be removed immediately : XXXX. XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXX XXXX. XXXX XXXX XXXX CO {$310.00} XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX {$470.00} XX/XX/XXXX XXXX. XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX -- -- -- -- -- -- +
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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
Product: Checking or savings account

I discovered two charges that I had not made nor authorized. When I called my card company they advised me to dispute the charges and file for a provisional credit which I did. I did exactly what they told me to do and then they close my account without any warning or explanation. I cant even access any of my statements including The one that has the charges in question. And then to add insult to injury, they blocked my access to the account altogether so I cant even get a print out of the charges in question nor can i get a print out of my last month or two statements so i can contact all my bills that normally come out of this account and try to switch them to another payment method. They told me that because my account was closed there was nothing I could do. I couldnt do anything on a closed account. ( But it wasn't a closed account until they closed it after ) It also doesn't help that you are reaching a call center in a different country and there is a very large language barrier and the people who answer the phone aren't really allowed to think. They are only allowed to follow a script. Not everything is black and white. Not everything fits nice and tidy into a shiny polished little box They even closed out another account that wasnt even mine but i was listed as an authorized user. That account had been opened for over 10 years and they closed it because someone stole money from me and when i called for help i did what i was told and got punished for it. This is terrible. 

The bank is XXXX ( Netspend card )
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX  ) XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm invoking my specified remedy as a Federal Corporation member as the original creditor/consumer. Under 1681i ( 2 ) Prompt Notice of Dispute to furnisher of information before the expiration of the 5-business-day period regarding CFPB # XXXX ; # XXXX and # XXXX.
Product: Credit card or prepaid card

I had a XXXX XXXX XXXX  credit card from American Express. Under the " Offers '' section of their website they offered me a bonus of {$250.00} to upgrade the card to a XXXX XXXX Preferred Card and spend {$2000.00} within 3 months. I received a bonus in XX/XX/XXXX and eventually downgraded the card back the XXXX XXXX XXXX after realizing that the annual fee would not be worth it to me. 

In XX/XX/XXXX I was again directly offered the same deal in my " Offers '' page. The terms did not say anything about only being able to do this upgrade bonus once, so I took advantage of the offer, upgraded the card to a XXXX XXXX Preferred using the bonus offer link, and met the spending requirement. Chat representatives from American Express have confirmed that I met the spending requirement and that the offer was attached to my account. I still have that XXXX XXXX Preferred Card but was never given the {$250.00} statement credit. Chat representatives have been blowing me off for 10 weeks saying that the investigation will take 6-8 weeks and the most recent one pulled up some offer language about them having the ability to deny the bonus due to " abuse, misuse, and gaming ''. I argued that me taking advantage of a marketing offer that they specifically sent me and that I met the terms of is definitely not any of those, but they will not honor their terms.
Product: Debt collection

Received automated voicemails from XXXX yesterday and XXXX today stating that they were attempting to collect a debt and threatened legal action. The automated voicemail from the XXXX number stated the company was XXXX XXXX. When I called the XXXX number back today, a man told me that my social security number was having some kind of problem in the state of California. He asked for the last 4 digits of my social security number. I did not give him this information. When I asked for his name and company, he hung up.
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. states a Consumer reporting agency can not furnish a account without my written instruction. BELOW is all the accounts I need removed please ALSO please remove ALL HARD inquires XXXX 1.XXXX XXXX  XXXX Finance ) XX/XX/XXXX 2XXXX XXXX ( Finance XXXX XX/XX/XXXX 3.XXXX XXXX ( Finance ) XX/XX/XXXX 4.XXXX XXXX ( Finance ) XX/XX/XXXX 5.XXXX XXXX ( Finance ) XX/XX/XXXX 6.XXXX XXXX XXXX ) XX/XX/XXXX 7.XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX 8.XXXX XXXX XXXX ) XX/XX/XXXX XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XXXX, XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX  XXXX XX/XX/XXXX 13. XXXX XXXX XXXX  XXXX XX/XX/XXXX COLLECTIONS TO BE REMOVED XXXX 1. XXXX XXXX Last reported XX/XX/XXXX {$4200.00} Open balance XXXX XXXXXXXX XXXX Opened XX/XX/XXXX ( 2 yrs, 11 mos ) 2. XXXX XXXX Last reported XX/XX/XXXX {$670.00} Open balance XXXX  XXXX XXXX Opened Account status XX/XX/XXXX ( 2 yrs, 11 mos ) 3XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$500.00} Open balance XXXX XXXX XXXX Opened Account status XX/XX/XXXX ( 7 mos )
Product: Debt collection

I was sent to collections for a XXXX XXXX XXXX XXXX bill. I received a letter from Credit Collection Services about it. The collections agency could not provide an account number or address for the debt so they could not tell me what it was for. After two weeks of calling XXXX I finally spoke to someone that could figure out what the debt was for. They provided me the account number so I was able to view the bill online. The account has an incorrect mailing address that I have never been associated with so I never received any communication about this bill prior to being sent to collections. I have at least 15 other accounts with XXXX all with my phone number and e-mail attached to them, all in good standing, that are under the same social security number and they still never made any attempt to contact me about the bill prior to sending me to collections. This has had a significant negative impact on my credit report so I would like it removed because this is a result of a mistake by XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid XX/XX/2022. Best Buy/Cbna XXXX Citibank ) reports negative payment history until XX/XX/2022. 

Account was paid XX/XX/2022. Best Buy/ CBNA ( Citibank ) reports it as a charge off in the payment status section. 

I disputed this with them 3 times and they said that they will not change the charge-off because its a charged off account but the correct place to indicate the account is a charged off account is in the ACCOUNT TYPE section which it currently does. But they want it also in the the PAYMENT STATUS section which is what Im disputing because since the account is paid it should show PAID. To have charge off in the payment status indicates that this account was never paid off and it is a violation of my FCRA rights to report it this way. BEST BUY/CBNA ( Citibank ) tried to get around this by putting paid in the notes section of the account but I lost 40+ points due to them updating the payment status and payment history with incorrect information. So just like they changed those sections to report NEGATIVELY, they should be able to go in and undo the inaccurate NEGATIVE information so it can have a positive effect on my score. PAYMENT STATUS SHOULD SHOW PAID! And PAYMENT HISTORY SHOULD NOT SHOW NEGATIVE HISTORY PAST XX/XX/2022 since I paid it XX/XX/2022. Best Buy/CBNA ( Citibank ) has to update the actual report not just add notes onto the account because i lose points based on whats in the payment history and payment status section NOT whats in the notes section on the account. They are being lazy and are not doing bc the due diligence to correct this. They have sent me correspondence that verifies everything Im saying but when they resolve the matter all they do is add a note to the account they do not change the inaccurate information. 

If they are reporting the right information then XXXX is not up updating it correctly but I dont think thats the case.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  Account Number- XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted two requests to Experian to verify and validate two charged off accounts appearing on my credit report. I have requested they provide me the copies of the original signed contract, all relevant account information, and the name of the person whom verified the information. The accounts are with XXXX XXXX and XXXX XXXX. My first request was submitted to Experian on XXXX XXXX, XXXX. Their response stated that the information reported was verified. I then submitted a second request on XXXX XXXX, XXXX and again the response only stated that the information provided was verified. These responses are inadequate under the FCRA as they failed to provide the requested documentation and method of verification. I request that Experian conduct a proper re-investigation and provide me with the information requested. I also request that Experian provide me with all relevant documentation they have in their possession and receive as a result of their re-investigation. I understand that Experian out sources all of their disputes to foreign contractors and they are given between 18 and 90 seconds to investigate disputes. This in and of itself is a violation of the FCRA in that a proper re-investigation is not conducted.
Product: Checking or savings account

I had a payment that I made to the CA XXXX returned/reversed - even though I had enough funds in the account to cover the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly ( 90 plus ) days late on the DPT ED/XXXX partial account number ****XXXX and on the XXXX partial account number - ***XXXX. ( Please see attached copy of my credit report. ) These accounts have been brought current and are no longer in past due status. This incorrect reporting of lates is harming my credit score and these line items need to be brought current to accurate report zero late payments. I have contacted the ( 3 ) bureaus to resolve this issue however, I have not been successful.
Product: Mortgage

My complaint is on Ditech,  XXXX   XXXX   XXXX , countrywide and Greentree. I have been battling this for over 6 years. My husband passed away and my income was cut in half I had to close my buisiness and my only child almost passed 6 months after his Dad. I got behind on my mortgage because of this. I tried to get  XXXX   XXXX   XXXX  to refinance my home which they said they would. I have every piece of paper work. Everytime they get all my information they switch me to another account representative and here I go again in circles. My account is so far behind and they are forclosing on me in a month. I need help. I know this was not handled in a proper manner. My   XXXX   is back and I need a refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making payments to XXXX XXXX XXXX for about 2 and half years now and the majority of them have been paid online. I paid my XXXX mortgage payment on XX/XX/19 which was a Sunday at XXXX. XXXX XXXX changed the way they process payments on the weekend, did not notify me of the change, and applied my payment as of XX/XX/19 and put a 30 day late on my credit report. I paid on XX/XX/XXXX not XX/XX/XXXX. I was not 30 days late. I provided proof showing the screen print of my payment along with their email confirmation of receipt of payment dated Sunday, XX/XX/2019 XXXX PM. XXXX XXXX refuses to take the 30 day late off my credit report. I've called them numerous times speaking to various people. More than one of their reps agreed that they recently changed the way they process payments. They now apply weekend payments the following business day and will put a 30 day late on your credit report even though you were not 30 days late. Again, they failed to notify me of this change in apply weekend payments the following business day and the fact still remains that I paid on XX/XX/XXXX not XX/XX/XXXX. My last call to XXXX XXXX XXXX was with their Customer Liaison on XX/XX/19 at XXXX. He stated they've done this to thousands of people and put the 30 days late on their credit reports too. I first notified XXXX Mortgage of their error on XX/XX/19 via email to XXXX. I received no response. I sent a second request for them to correct their error on XX/XX/19. No response to my either email. I was verbally told they would have a decision by XX/XX/19. It seriously does not take two weeks to look at this information. I called XX/XX/19 and was told they declined to remove the 30 day late and was advised to file a dispute with the 3 credit bureaus so that department can review the complaint and decide what to do. They are clearly violating the Fair Credit Reporting Act when I paid them on XX/XX/19 not XX/XX/19. Here are the dates & times of my calls to XXXX XXXX  XXXX trying to get them to review the proof of payment emailed to them and to remove the 30 day late from my credit report : XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXXXX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX
Product: Credit card

As per my prior complaints, my payments from XXXX to USAA are missing and/or have been returned by USAA with no explanation. 

My credit score continues to decline, as a result of the incorrect balance on my credit card statements. This appears to be extortion. 

Today, I received a call from USAA in the middle of my work day and the representative stated that he was " closing '' the case. 

My notes from his call are as follows : XXXX ( XXXX hours ago ) XXXX. A USAA representative named " XXXX  '' called and stated that an Investigation was done and based off of information they gave me, they are closing the CFPB case. 

XXXX. XXXX ( the USAA representative ) was addressing something from XX/XX/XXXX today. He mixed up payment data. 

XXXX. XXXX should have a `` trail of the transactions '', he stated. 

XXXX. USAA cant contact XXXX to resolve the issue. USAA can only contact me for information. 

5. " Theres a paper trail '', XXXX stated, " an electronic transmittal form ''. Usaa only talks to me and XXXX has to submit their electronic transmission form. 
I explained that I have spent XXXX hours during the workday at XXXX branches, so far, and that I have submitted all information that XXXX has on file. The information and records from XXXX have been submitted to the CFPB and to USAA. 

XXXX. Regarding interest charges, XXXX stated that I should " look at my bill '' and Interest calculations are based on a " purchase balance ''. The balance due makes no sense and does not factor in my multiple payments. 

USAA will not acknowledge my {$6000.00} payment from XXXX that disappeared, among other payments recorded by XXXX, as per my complaints to the CFPB. 

Mortgage fraud involving a USAA mortgage and refi is also impacting my credit score, as discussed. I was not on USAA 's note for XXXX XXXX XXXX, XXXXXXXX XXXX XXXX which appears to have been sold at auction without any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed Transunion on XX/XX/2019 to inquire them to do a debt validation but unfortunately never received any documentation back. I had pulled my report and tried calling the two cards " XXXX XXXX XXXX '' on XX/XX/2019 and customer service stated they had no recollection of my account and could not find any further info and unfortunately they could not delete something they could not find. It has been years I am trying to by a home and I want a resolution to this. Please assist thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card with XXXXXXXX XXXX XX/XX/XXXX. Payment history shows XX/XX/XXXX reported as 30 days late and XX/XX/XXXX reported as 60 days late. This was due to a medical emergency that I experienced that put me in the XXXX  for three and a half weeks. I was unable to make arrangements with XXXXXXXX XXXX  due to my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX received false information from XXXX pertaining to a bankruptcy associated with the social security number provided to me. They've since added the false information to the credit profiles for which they maintain under my social security number. I've connected with XXXX who has since removed the false information related to the bankruptcy from my XXXX report. Experian and XXXX have failed to provide me with documentation for which my signature is attached to showing how they were able to prove the validity of the bankruptcy. The courts have stated that they do not provide information to third parties and gathering information without verifying its validity is illegal. XXXX has sent documentation to both Experian and XXXX regarding the removal and they have not updated my credit profile.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Complaint Regarding Unauthorized Credit Inquiry by CAP ONE NA Dear Sir/Madam, I am writing to file a formal complaint concerning an unauthorized credit inquiry conducted by CAP ONE NA on XX/XX/XXXX, which I discovered on my credit report. This inquiry is listed with the following details : Company Name : CAP ONE NA Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone : XXXX Date of Request : XX/XX/XXXX Scheduled Removal Date : XX/XX/XXXX Address Identification Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, companies are prohibited from accessing a consumers credit report without a permissible purpose or explicit authorization. I did not initiate any credit application, nor did I authorize CAP ONE NA to conduct this inquiry. 
This unauthorized access constitutes a violation of my rights under the FCRA. Furthermore, such inquiries can negatively impact my credit score and cause unwarranted stress and confusion.

I respectfully request the CFPB to : 1. Investigate this unauthorized inquiry.

2. Obtain proof of my explicit consent from CAP ONE NA.

3. Instruct CAP ONE NA to remove this inquiry from my credit report if no proof of permissible purpose or authorization can be provided.

For your review and investigation, I have attached the following supporting documents : 1. A copy of my government-issued identification.

2. A copy of my recent credit report with the unauthorized inquiry highlighted. 
Should you need further information or documentation, feel free to contact me at XXXX or via email at XXXX. 
Thank you for your immediate attention to this matter and for protecting my consumer rights. 
Sincerely, XXXX XXXX