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

an order was placed for a computer processor for {$500.00} on XX/XX/2019 with my Amazon Prime Store Card is issued by Synchrony Bank. i called amazon right away and stopped the order and amazon stopped delivery i also called synchrony bank and i was told by both companies to change my password and i did that! and the bank was sending me a new card they removed the charge from my account and i thought great glad i have instant notifications on my cell phone on any purchases made but for some reason i am still being charged for the item by the bank even after i called them and told them of the problem they sent me a new card i reset all my passwords and lost the dispute! they added the {$500.00} on my new card on XX/XX/2019 how can this happen now they want me to pay {$500.00} for an item i never ordered, never received, and no nothing about amazon even removed it from my order history and tracking # i spoke with amazon and they agree i never received the item and the bank was wrong but said nothing they can do its up to the bank to investigate i have proof! e-mails, my phone calls to both amazon and Synchrony Bank and name and address of the person and place they tried to have it shipped in new jersey this needs to be dealt with why should i pay for a the fraud? but if i don't pay my credit takes a big hit i have never missed or been late with a credit card or mortgage payment i am not happy with all parties involved this should have been an open and closed case! i provided them the name and address of the person trying to do it! Synchrony Bank is reopening the case but i still have to make minimum payments due on the card. i never carry a balance on any of my credit cards i pay in full before statement date every month!
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to submit a dispute online and was unable to be " verified '' to submit the dispute and attempted to call and was unable to reach a live person. The date is XX/XX/XXXX. Transunion credit report lists a delinquent debt with XXXX-XXXX XXXX. It states in Remarks " Full Termination/XXXX XXXX  ''. However, in pay status, it states : Current Account ''. Further, the lease terminated in XX/XX/XXXX ( and the summary states, " Last Payment Made : XX/XX/XXXX '' ) yet the summary of payments show green as if paid from XXXX. There are several issues. This account is listed as paid and terminated ( with no balance owed ) on my XXXX  Credit Report, which is accurate. I do not owe a balance on this account. In addition, there has been no activity on this account for over 13 years. Even if there was a balance ( which there is not ), this should not be listed as a negative on my credit report any longer.
Product: Credit reporting

XXXX XXXX XXXX XXXX is currently reporting a " charge-off '' on my credit report, and should be deleted from my credit report because it is now exceeded the 7 year statute of limitation.
Product: Money transfer, virtual currency, or money service

Mobile device was stolen while out of the country, digital wallet was hacked and {$19000.00} was stolen from my Bank of America account overnight all through the digital wallet. Bank of America did require any verification for the XXXX to be transferred from my account while I was out of the country. I called Bank of America immediately within 24 hours of the funds being stolen and reported the fraud. They are now claiming that I authorized all transactions while my device was stolen, and that the amount lost is not outside of my normal spending pattern. I made a large check deposit to Bank of America made to my bank prior to my trip and they held the funds for 2 weeks claiming that the deposit amount was flagged as being more than what the account normally holds. I filed a police report and filed fraud with the FTC and provided Bank of America all of the information. They are refusing the claim and saying that they are unable to pay.
Product: Credit card or prepaid card

Last month ( XX/XX/XXXX ) I wanted Citi to switch my AAdvantage Mastercard with a {$50.00} annual fee to a product/card with no annual fee since I hadn't used it in years ( I've been a customer since XXXX ), AA expired my miles and I had not carried a balance in quite some time. The agents transferred me over and over, they had no product knowledge and said I'd have to do this online. There is no way to do it online. No way to start a Secure Message Center inquiry online. And now they are charging me the annual fee and won't recscind/waive it, even though i'm not using the card or services. They said I must pay even if I switch products or cancel the card. Now they call me everyday by an automated robo-call, telling me to call a phone number and use a special code to talk to someone. They are forcing me to pay the fee or go to collections.
Product: Money transfer, virtual currency, or money service

Money was taken from checking account and added to Cash App for unauthorized transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

This company failed to provide me a copy of the credit application signed. A file showing the information is valid placing it on my credit. 

The company is called -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this letter of complaint to the credit bureau to let them know once more that I was a victim of identity theft. My desire to contest unlawful items that are appearing on my credit record appears to be completely unimportant to the credit bureau. I need the items removed from my file as soon as possible because this is a clear violation of FCRA laws. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXXBalance  : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXXBalance : {$5400.00} ; XXXX XXXX Balance : {$3400.00} ; XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( OriginalCreditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Bank XXXX Acct # XXXX and 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX a dispute was submitted for XXXX  and this account has exceeded the allowed time limit for credit reporting. What is so frustrating is Experian states on their credit report that it should be deleted on XX/XX/XXXX ; however, they refuse to delete this outdated account information. Outdated credit information is a violation of FCRA and I demand this account be deleted from my credit report.
Product: Credit card or prepaid card

I have an Amazon.com store card. Amazon, for no reason charged my account for multiple items I had previously returned which they had credited. I purchased an item for a set price on the website and was charged a greater amount than advertised. I purchased a shower door on Amazon and hired Amazon Home to intall it and it was not installed properly. I paid for Amazon Prime for a year in advance and Amazon refuses to accept a valid return or allow me use of my prime membership. My account was always current, close to being paid off before this problem. I have talked to Amazon customer service representatives and representatives from Synchrony Bank/Amazon for asssistance resolving this problem, without success.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding my BARCLAYS JET BLUE CREDIT CARD ENDING in XXXX. I requested closing this account on line and told them specifically not to charge me an annual fee. 
They recently sent me a letter stating that my account was delinquent for the sum of {$40.00} which was the annual fee. They then sent me a letter stating that my credit score was lowered to XXXX points for this delinquent amount. My credit score was previously in the upper XXXX. I contacted the credit card company and they said that I could only close the account by speaking to them and therefore the account was still open. Therefore I was delinquent by {$40.00}. 
This is unfair in that they never contacted my regarding this policy. I went on line and personally demanded that they close the account. Now they have tarnished my credit score and that I need to appeal.
Product: Debt collection

After the death of my son, CB1 collections contacted me, I offered to pay {$50.00} a month until I could pay it all off, they told me that was not good enough and they would not work with me. Months later they sued me, and are now threatening to garnish my wages, after talking with them in XXXX I told them I would pay them off completely in XXXX with my students disbursements, but I would also pay {$50.00} until I recieved the money to pay it off [ about 2 payments ] they again said no. 

CB1 and XXXX XXXX XXXX XXXX : {$150.00} XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX
Product: Debt collection

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/year> SENT DISPUTES NO RESPONSE FROM THE COMPANY
Product: Credit reporting or other personal consumer reports

I have settled my debt for a collection account. Per the terms of the settlement the collection account is to be removed from my credit profile. XXXX and XXXX has removed the account. I have disputed the collection account with Experian but they refuse to remove the account. I provided documentation that the account has been settled and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX | XX/XX/2022 XXXX Inquiry {$0.00} XXXX XXXX XXXX XX/XX/2022 XXXX
Product: Debt collection

On XX/XX/year> I was sent a summons to appear in court from a third party debt collection agency for a debt that is not mine, in the amount of {$5700.00}. On XX/XX/year> I sent a request to validate the debt by certified mail. The company failed to respond to my debt verification request. As stated in the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ), the debt collection agency is required to respond to, and answer completely, a debt verification request within 30 days of receiving the request.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you in good health. I am writing to formally register my complaint regarding the presence of fraudulent items on my credit report. Despite my multiple attempts to rectify this situation, these fraudulent entries remain, causing severe distress and harm to my financial well-being. 

The fraudulent items in question, associated with [ account/reference numbers ], were discovered on my credit report on [ mention the date you first noticed the fraudulent items ]. Since then, I have consistently reported these items to your agency through various channels. I have submitted detailed documentation, including police reports, affidavits, and supporting evidence, to substantiate the fraudulent nature of these entries. However, my efforts to remove these fraudulent items have been unsuccessful to date. 

I want to emphasize that I have acted responsibly and expeditiously throughout this ordeal. I have taken every possible measure to protect my financial integrity and have diligently followed your company 's prescribed procedures for disputing fraudulent items. 

I am formally requesting the following actions to be taken immediately : A thorough and diligent investigation into the fraudulent items on my credit report to confirm their fraudulent nature. 
The immediate removal of these fraudulent items from my credit report. 
A written confirmation of the resolution, including the date when the fraudulent items were removed. 
An apology for the considerable stress, financial harm, and inconvenience caused by the presence of these fraudulent entries on my credit report. 
I understand that maintaining the accuracy and integrity of credit reports is paramount for the financial industry and consumers alike. It is my belief that addressing and rectifying these fraudulent items is not only my right but also a crucial step in upholding the credibility of the credit reporting system. 

Failure to address this matter withinthe exact time frame from the date of this letter may compel me to pursue legal remedies or involve relevant regulatory authorities to resolve this issue. I am asking for your immediate assistance to remove the following fraudulent items : 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 XXXX XXXX XXXX XXXX  EQUIFAX/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 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 EQUIFAX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

on XXXX i settle an account with mariner finance the account was marked closed on XXXX. I received an email from XXXX XXXX XXXX Branch Manager stating that XXXX will report this account to the courts and the credit bureau as settle in full not account paid for less full balance i have attached the documents i received from XXXX and a copy of credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX - Account XXXXXXXX XXXX XXXX XXXX XXXX  - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX
Product: Mortgage

On XX/XX/XXXX, my husband and I re-financed our mortgage with Chase. We received a letter dated XX/XX/XXXX, indicating that errors were found on the Closing Disclosure. Originally disclosed amount was {$4600.00} and the correct information is {$4200.00}. There was a phone number to call with questions - XXXX. Upon calling this number, a voice message tells you to leave your return phone number and someone will call you with 24 hours. I called several times and finally received a return call one week later. I was told they would XXXX an explanation to me, which they did not do. I just wanted to know where the difference of {$460.00} was applied - as a mortgage reduction or a check to us. The mortgage banker who made the original loan said we would receive a check within 4 - 6 weeks, which has not happened. I called her again and she said she 'would look into it. ' That was over 2 weeks ago and I have not heard from her since.
Product: Credit reporting or other personal consumer reports

am writing to dispute the accuracy of the account information listed below : Collection Agency : XXXX XXXX Original Creditor Name : XXXX XXXX XXXXXXXX XXXX  Original Amount Owed : {$230.00} Balance as of XX/XX/year> : {$230.00} Account Number ( partial ) : XXXX XXXX XXXX XXXX XXXX XXXX  The information regarding this account is inaccurately reported. Specifically, the details reported on my credit file, such as the status, balance, or validity of the debt, are incorrect. 

Requested Action : Please investigate and verify all aspects of this account, including : Proof of the debts validity.

Documentation supporting the reported balance and delinquency details.

If you can not verify the accuracy of this account, I request that it be promptly removed from my credit report.

Thank you for addressing this matter promptly. Please contact me if further information is needed to resolve this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate removal of the remaining unauthorized inquiry from my credit report. Despite my previous disputes regarding this inquiry, it remains unresolved. This inquiry is clearly invalid, as I did not provide any consent or authorization for a creditor to perform a hard pull on my credit report.
Product: Debt collection

I have been texted previously and again today this message at XXXX XXXX  : " Law Offices of MBA, a Debt Collector : Please contact us if you have questions at XXXX or visit us at XXXX : XXXX To optout txt STOP '' My computer says Hmmm - can't reach this page. Check if there is a typo, etc. 
They are a scam. We do not owe any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. XXXX XXXX XXXX XXXX