23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Experian states that the information remains. The account associated with XXXX XXXX XXXX, should have been removed for various reasons. Account was paid off in full back in 2013 so that I could establish new service with XXXX, which I still currently have, in addition to the fact that the account report is now at four years old being reported inaccurately. I have disputed this and at least one other thing with Experian previously and they never seem willing to correct anything on your report, and would rather leave the negative information. They even had the information shown as part of my recently discharged Bankruptcy which was also incorrect. Actually everything on my report is being shown as included in the bankruptcy, which is incorrect!! They did not even take the time or perform their due diligence to report each item correctly. Experian really needs to be sanctioned or reprimanded for reporting false information and not correcting errors as they are required for accurate reporting. This is crucial especially since they are trusted with providing your personal information to so many entities that determine or make credit and employment decisions based on what they report.
Product: Mortgage

Dear CFPB : Please look at the recently closed complaint XXXX. It was closed prematurely I checked with SPS today and now they are showing I have a negative escrow. 

This is not correct as they have never disbursed any escrow funds. They have collected from me {$1100.00}. They never sent me a refund. 

They were supposed to pay my taxes They did not I paid them along with the delinquent fee. There prior letter does not reflect their intention to reimburse me for the tax delinquent fee This has not been resolved and it is over 45 days
Product: Credit reporting or other personal consumer reports

I recently discovered that I had a few accounts under my name that I myself had not opened. I only found out about them because I was continuously receiving calls about different accounts being sent to collection ( which at first I thought was just a scam call ). It wasn't until I went to apply for something and got denied that I finally went to check my credit score and noticed a significant decrease. I seen that a couple loans had been opened and sent to collection, and also that a credit card had also been opened and is on its way to collection with a past due and over limit balance. I have filed with identitytheft.gov and have tried explaining to the companies the situation to no avail. I am not sure who or how my information was acquired, and have limited info on the dates accounts were opened. I do have the current amounts as listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year>, I sent you a formal request for debt validation via certified mail XXXX To date, I have not received sufficient verification of the alleged debt as required by 15 U.S. Code 1692g. Specifically, you have failed to provide : 1. The complete and original signed contract for the debt obligation which is the subject matter of this dispute ; 2. An itemized breakdown of what you claim the money is owed for ; 3. Explain and show me how you calculated the amount in dispute ; 4. Provide me with copies of any documents, ledgers, spreadsheets, etc., that show that I agreed to pay the amount you claim I owe ; 5. Identify the original creditor ; 6. Identify and accurately describe any third-party costs for which you are charging me and that you included in the disputed amount along a complete itemization of all such charges ; 7. Provide me with an affidavit that the Statute of Limitations has not expired on this account ; 8. Show me that you are licenses to collect on a debt in the State of Louisiana ; and 9. Provide me with you and your clients proof of Good Standing under the Laws of Louisiana and the Secretary of State along with information regarding your Registered Agent for Service of Process. 
Without proper validation, this debt is considered disputed and unverifiable. As you are likely aware, under the FDCPA, failure to validate a debt within 30 days of the request is a violation of federal law. Furthermore, as stipulated in my initial correspondence, I am entitled to {$1000.00} for each debt not validated within this timeframe.
Product: Checking or savings account

I withdrew XXXX in cash but the atm only had XXXX left. It dispensed XXXX and went offline ( physical BoA atm ) Called and opened claim because account showed XXXX withdrawn instead of the XXXX. 

Claim denied and the rep did not notate the account. Reopened claim and it was denied again with no evidence.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that a collection account was on there that doesnt not belong to me.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

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, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a CITI Double Cash Card. On XX/XX/2020, when checking my account online, I was shocked to find my Cash Rewards in excess of {$1400.00} was now {$1.00}. I later find out that they were converted to what CITI calls Thank You points and then were redeemed. The conversion to Thank You points and the redemptions were both without my or my wifes authorization as neither of us even knew what Thank You points were. No one else is authorized to use the card. I reported the incident to CITI on XX/XX/2020 and the representative told me they would have to investigate the incident and that it would take 7 to 10 days. This was the second time this has happened and the first time after many phone calls, CITI converted the rewards back to cash. I received a letter from CITI on XX/XX/2020, dated XX/XX/2020 stating that they can not convert the Thank You points back to cash. I called CITI that same day and spoke to several representatives, including supervisors, and they all told me there was nothing they could do. Thats when I decided to file a complaint with CFPB. After this is resolved, one way or another, I will be closing my account at CITI,
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. 

1

5 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 card

I have been battling JP Morgan Chase for nearly 1 year to fix a technical glitch which results in customers, such as myself, receiving up to 6 duplicate emails at the same time when statements are generated, payments are received, and similar. I have called more times than I can remember, have spoken with supervisors as well as regular customer service reps, and in total, have probably spent about 10 hours on this. I have also submitted through the " secure message center '' when logged in and I get an auto reply from a bot that they will not do anything account related and I must call customer service to do so ( which I have done at least 10 times ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have been getting phone calls from Portfolio Recovery since XX/XX/2018. They always call from a different state area code such as XXXX  for New York and XXXX in California. Every time I block a number, they call back within hours from a new area code and number. I have never received a letter or bill but it's on my credit so I have no way to dispute this. Plus it shows that they have re-aged the debt on my credit. I have seen the time started roll backwards by a year
Product: Credit reporting or other personal consumer reports

All transactions and charges on this account are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. This has been really stressful, it's negatively affecting my overall well being
Product: Credit reporting or other personal consumer reports

I write to XXXX, Equifax and XXXX to again DISPUTE my XXXX XXXX Bank ( Synchrony ) accounts AND request that you include the below CONSUMER STATEMENT for Each of the XXXX Synchrony accounts which means there must be XXXX account specific consumer statements for each of my XXXX XXXX accounts incorporated with data for each of the XXXX accounts. I have filed numerous disputes for over 9 months with every CRA and directly with XXXX disputing each of the XXXX accounts. However, every time the required DISPUTE status is entered in my credit reports, XXXX deleted them and every CRA willfully violated its Facially False Data prohibitions of the CFPB. Such violations are deemed willful by the CFPB and carry statutory damages of {$1000.00} per violation per account per event plus XXXX times punitive damages ( see XXXX, XXXX XXXX XXXX ) making damages of multi XXXX dollars per account. In XX/XX/2023, I filed multiple consumer demands with the American Arbitration Association ( AAA ) claiming entitlement to over {>= $1,000,000} in statutory and punitive damages per account pursuant to Synchronys arbitration agreement. I have attached multiple letters from AAA to evidence arbitration cases along with pages XXXX, XXXX and XXXX of each claim regarding federal jurisdiction about liability if matters were filed in a U.S. District Court. XXXX has retained counsel and the multiple AAA cases are awaiting fee payments to AAA by XXXX plus its Answers due shortly. I have not filed any federal court case against any CRA yet in hope of obtaining FCRA compliance, especially account deletions. I owe XXXX {$0.00} and it owes me millions but my credit reports are inaccurate. Liability continues to increase for XXXX and every CRA by failing to report accounts as disputed and failing to report the date of account closure by consumer. Please investigate and update your reports and delete accounts to mitigate damages. I will surely Subpoena CRA records so I expect that the investigation process will be thorough and complete. I ask that you include the following account specific consumer statement for each of the XXXX accounts. -CONSUMER STATEMENT For each of my XXXX XXXX  XXXX accounts, Synchrony is liable to me for statutory and punitive damages for every account for repeated WILLFUL FCRA violations exceeding {>= $1,000,000}. In XX/XX/2023, I filed multiple XXXX page Consumer Demands with the American Arbitration Association ( AAA ) detailing specific calculations of its multi-million dollar liability for each account. AAA cases are pending awaiting payment of billed AAA fees and Answers in each case by the AAAs deadlines. I insist on 100 % compliance with the FCRA, FDCPA and other statutes and I will continue to file Arbitration cases with the AAA or JAMS against violators pursuant to arbitration agreements or otherwise in Federal Court if no arbitration provisions exist.
Product: Debt collection

We had switched from XXXX to XXXX under the money back guarantee. The XXXX service was so bad I was not able to conduct calls from my home and I work from home. 

I returned all the phones when I switched back to XXXX under XXXX XXXX trade in program. 

XXXX kept saying that I owed the balance of the contract, which I believe I do not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX CXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

NOT A DUPLICATE I do not have a signed contract nor any contract with Portfolio Recovery Associates. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with Portfolio Recovery Associates.
Product: Credit reporting or other personal consumer reports

Account Information -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account # : XXXX Account Name/ Creditor : XXXX XXXX XXXX of 15 U.S. Code 1681s2 states : ( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect.

A late payment on my XXXX XXXX Account was reported on my credit report from XXXX, as stated above any late payment occurring as a result of hardship derived from the covid-19 pandemic shall be deferred. this error has caused my credit score to drastically decrease and my attempts to resolve this issue with creditor have gone un-answered. furthermore, it has come to my knowledge that Experian is incorrectly reporting my account opening date be may, XXXX but are reporting these late payments occurring in XXXX which is inaccurate. i request these late payments and inaccurate information be removed from my EXPERIAN, XXXX, & XXXX credit reports. I have supplied documentation of inaccuracies below.
Product: Prepaid card

I am fostering my grandso s. I have a way2go card. Someone transferred XXXX from my card to their account. I reported this and have since been unable to speak to a representative. I am very concerned
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX  XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Checking or savings account

On XX/XX/2021 I called Truist customer service to close a checking account that had a balance of {$0.00}. When I spoke to the customer service representative they said they were going to transfer my call to the charge off department. So they transferred me to the charge off department, who proceeded to ask me questions regarding my address and my phone number, and then said you don't have a charge off. Then they said, we don't close accounts here because we " are the charge off department. '' They said you have to go to a branch. Then I asked why can't I close the account with you on the phone, and they said it's our policy that you have to go to a branch. Their practices are deceptive as I called to close an account, they proceeded to answer personal questions and at the end they said you have to go to a branch. I want to close a checking account that has a {$0.00} balance on it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment that has been reported on my credit file. After reviewing my credit report, I noticed an inaccurate late payment listed on my account that I believe is incorrect. I have reviewed my payment records and I believe this reported late payment is an error. I request that you investigate this matter and, if found to be an error, promptly remove the late payment from my credit report. Please let me know if you need any additional documentation or information to support my claim. Thank you for your immediate attention to this matter, and I look forward to your timely response. 

Account name : CB/XXXX  Account number : XXXX Accounts was never late
Product: Credit reporting or other personal consumer reports

Credit Report has inquiries unauthorized dates : XX/XX/XXXX Credit Report code XXXX XXXXXX/XX/XXXX Credit Report code XXXX XXXX Please ask companies to remove both inquiries immediately as they are both unauthorized. I have place a fraud alert on my Trans Union Account and Credit report I did not authorize these inquiries. I would anticipate my score being placed back into tact.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and TransUnion are in violation of consumer law code 15 USC 1681 B Permissible Purpose. I did not authorize the inquiries below, nor did I give written consent for these inquiries to be reported. I demand these fraudulent inquiries be removed immediately. Additionally, I demand that XXXX, XXXX, and TransUnion provide proof of my written signature stating that I authorized these transactions. If such documentation isn't provided I demand that the inquiries be removed. 

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

Hello, I took the time out t call and reach out to XXXX, equifax, and XXXX requesting an investigation of the following inaccurate accounts reporting on my credit report 30+ days ago. The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 
Account name / numbers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX