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

I am receiving many phony calls daily from an unidentified company claiming that my credit card company ( and the recorded message doesn't say which credit card company ) is offering me a better deal on upgrading my credit line amount. No human is involved in the calls ; a recording comes on only which says to press a button to connect with someone to discuss your account information. My phone number was probably sold to the scammers who will try to profit from this fraud. I have not received any mailers, just these phony calls. This can only involve my Chase Visa card through XXXX XXXX and a joint Chase Bank account with my husband, so it is unclear which is involved and perhaps does not matter as this is trolling for any and all info, so I assume the scammers just throw out the name of the card company hoping to steal all of the account information and drain the account of funds and to use the account for fraudulent purchases. 

I hang up and then try to call the phone number that shows up in my caller ID. When I do so, any of the phone numbers I call back are not legitimate, as a recording comes on, " we are not able to complete this call, try calling again ''. No legitimate credit card company is associated with any of these many phone numbers. 

This is clearly a scam to obtain personal account information from those who can't figure out that real credit card companies render offers in the mail and never contact clients in this manner. I am appalled this is occurring. I don't know who is making these calls from varying phony numbers sometimes up to 10 times a day. I also don't know if I can stop the scammers, but at least I can try to report this illegitimate behavior. I will also report the phone numbers used to the FBI fraud unit for their records.
Product: Credit reporting or other personal consumer reports

I have disputed the following accounts with the credit bureaus, they are the product of identity theft, I have already provided an FTC report to the bureaus, I have called the creditors directly but they have not provided me any documents proving that I applied with them. The items in question, account number, balance and date they were open are as follows : XXXX XXXX {$3000.00} XX/XX/XXXX XXXX- XXXX {$980.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$580.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX- XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX- XXXX {$740.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX- XXXX {$2600.00} XX/XX/XXXX XXXX- XXXX {$580.00} XX/XX/XXXX XXXX- XXXX {$740.00} XX/XX/XXXX XXXX- XXXX {$7100.00} XX/XX/XXXX XXXX- XXXX {$2700.00} XX/XX/XXXX XXXX- XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$730.00} XX/XX/XXXX XXXX XXXX- XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I wrote and mailed certified letters to XXXX XXXX XXXX for Account XXXX amount {$710.00} and account number XXXX amount {$7900.00} requesting verification of debt. XXXX XXXX XXXX. never sent me debt verification within 30 days. Around XX/XX/2023, I disputed the above debts with Equifax, XXXX, and XXXX, giving them proof of my certified letters ( XXXX and XXXX ) and proof of receipt of the certified letter by XXXX XXXX, XXXX. After completion of the disputes, the above inaccurate debts still remain on my credit reports which is causing an interference in me obtaining a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I mailed dispute letters to Equifax, XXXX and XXXX to remove accounts listed below for inaccurate information its been more than 30 days and they still haven't replied to me that violates my fair credit rights. especially section 609. Under the law, if the credit reporting agency fails to respond in 30 days, they must remove the account from report. Again they are violating my rights under the Fair Credit Reporting Act. can you please make them delete these items from my report for violating my rights please. The accounts that i was disputing and would like removed from my report are. 
XXXX XXXX : Account Number : XXXX XXXX : Account Number : XXXX XXXX  : Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX
Product: Credit reporting or other personal consumer reports

YOU ARE IN VIOLATION, Per the FCRA AS A FEDERALLY PROTECTE DCONSUMER I AM NOT OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL, AND NON-VERBAL, KNOWN AND UNKNOWN 15 USC 6802.THE FOLLOWING COMPANIES HAVE ACCESSED MY CREDIT REPORT WITHOUT ANY PERMISSABLE PURPOSE AND XXXX HAS FAILED TO PROVIDE ME MY DISCLOSURE TO OPT OUT OF UNAUTHORIZED REPORTING. YOU DO NOT HAVE MY WRITTEN CONSENT TO REPORT THIS INFORMATION. PLEASE UPDATE MY CREDIT REPORT IMMEDIATELY, YOU CAN NOT VIOLATE ME FOR OPTING OUT AND I CAN SUE FOR {$1000.00} PER VIOLATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), XXXX OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt, Dated this XX/XX/2018.
Product: Bank account or service

Hello Dear, My name is XXXX, XXXX from XXXX, XXXX. 
last week, on XXXX XXXX & XXXX someone use my debit card multiple times in XXXX, XXXX. I was still in possession of my card at that moment. they withdraw {$1100.00} in cash at different ATMs and made purchases for {$1200.00} at XXXX in the same city. I received some messages from Bank of America telling to verify some recent transactions. I reported those transactions as fraudulent. i filled a claim for this fraud and I was waiting since yesterday. 
They denied my claim and told me there is no fraudulent pattern. 
When I asked them what that mean they told me I have been to the state of XXXX couple of time I used sometimes none Bank of America ATM 's I withdraw often a large amount of money. 
i asked the lady can a person be present at XXXX location a the same time? because i was in XXXX, XXXX at the moment. 
I called the police yesterday filed a police report so the bank will do further investigation. I 'm an international student the money is for my tuition I really need it. 
Best,
Product: Credit card or prepaid card

My account was delinquent through no fault of my own. My credit card account was setup for automatic/reoccurring payments but my final transaction was not processed as such. My account balance before, during and after the non payment provides more than enough evidence to support the fact that I had the wherewithal to make the payment. This issue has and continues affected my ability to purchase a home. 


Made full payment on XX/XX/2020 ( Same day, I received the notification on my credit reporting app )
Product: Credit card or prepaid card

I have been very disappointed with the AMEX Platinum Card experience. I have been trying to spend a little more than usual on the card and I have been placed on a financial review in the XXXX month. But after that everything went well and the financial review was completed. Fast forward 2 months I spent a little more again and I get placed under a financial review for spending more again for no reason. It is so disappointing when you can not really use your charge card up to the full potential. I even got a checking account in AMEX so they know I will pay my debt to the fullest each month but it is not any of their concern. I can not keep doing financial reviews every two months that is absolutely absurd. Please do something about this man it is draining my day out and I do not want to wake up and go to work just because I have a financial review that I have to stress about and two AMEX cards that I can not use for 2-3 weeks for absolute no reason.
Product: Credit reporting

XXXX, TX XXXX ( XXXX ) XXXX Use my credit XXXX time and I only ask for XXXX time, I would like it remove if possible. Thanks
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX U.S.C XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX U.S.C. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

I received a notice in my email yesterday about my credit score went down due to an application for a credit card that I never applied for it was on Saturday XX/XX/2022 I was at work at the time of this application
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX  XXXXXXXX XXXX # XXXX - has violated my rights. 

15 U.S.C 1581B Permissible purposes of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

DID I GIIVE YOU WRITTEN INSTRUCTION TO FURNISH THIS ACCOUNT ON MY CONSUMER REPORT? 

FUTHER MORE THE FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a - Definitions ; rules of construction- ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 I HAVE NOT GIVING XXXX, EXPERIAN, XXXX ANY WRITTIAN INSTRUCTION TO FURNISH THIS ACCOUNT ON MY CONSUMER REPORT. 

This Agency is in violation of 15 U.S.C 1681
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XXXX  XX/XX/2024 The following inquiry was not authorized and should not be reporting. 

XXXX - XXXX XXXX XX/XX/2024 The following inquiry was not authorized and should not be reporting. 

XXXX - XXXX  XX/XX/2024 The following inquiry was not authorized and should not be reporting. 

XXXX - XXXX XX/XX/2024 - The following inquiry was not authorized and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

A security freeze I put in place through Experian I thought was designed to prevent unauthorized inquiries. How I am unauthorized access or unable to grant access without " a written letter '' or alleged " upload '' of current ID, of which is improperly designed, not secure, unsafe with " XXXX '' extensions, and does not run, is clear and confusing to complainant and is in violation of my right to my privacy. And anyones ability to " access '' a " credit file '', from a browser without logging to site w cc a payment and " security '' responses -REALLY! ACCESS IS R/W? I AM STUNNED AT THE XXXX  OF ALL THIS.
Product: Credit reporting or other personal consumer reports

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt XXXX they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being XXXX XXXX accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Product: Credit reporting or other personal consumer reports

Wells Fargo began reporting itself as a creditor on my consumer report from a transaction on XX/XX/XXXX with me and XXXX XXXX XXXX XXXX XXXX XXXX. Customer disputed the information several times, with the last time being XX/XX/XXXX with the CRAs. There are several inaccuracies on the report including inaccurate listing of a charge off ( however Wells Fargo refused to give a 1099 for the discharge of the debt ), it also lists paid in full ( a complete contradiction ). The dates of the alleged delinquencies are not accurately being reported despite Wells Fargo confirming accuracy on XX/XX/XXXX, however this information is still reporting incomplete and inaccurate information. Wells Fargo has failed to maintain fair and accurate procedures in reporting information to CRAs. This failure has led increase credit cost, defamation of character, and denials of consumer credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX account was put into collections on XX/XX/2019. I have contacted XXXX and they have told me that i have never missed a  payment. It is impossible for me to make a late payment when my paychecks get garnished each pay period. XXXX have told me to do a dispute with Experian. I have done so four times and they refuse to fix my report saying the information is accurate. I have even sent Experian proof of payments along with a letter from XXXX stating i have never missed a payment. I have disputed this with Experian the following dates and each one has said the information is accurate.XX/XX/2019XX/XX/2019XX/XX/2019XX/XX/2019I contacted XXXX on XX/XX/XXXX and they told me they let Experian know multiple times that the information is incorrect. How does this go straight to collections without being notified of a 30/60/90 day late payment?
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent charge was made in XX/XX/2019. I didn't known until XX/XX/2019. By then the account was past due. I immediately notified the creditor. They agreed in writing the charge was fradulent.
Product: Credit card or prepaid card

My credit card company refused to assist me with my merchant billing dispute that I filed back in  XXXX    XXXX   for not as described services by  XXXX  in the amount of $  XXXX  .I 've been giving the run around for the last three m onths, every time I 've called in I was giving different information by each agent despite all the wrong information I still provided all the information/ documentation requested including valid second opinion letter that supports my claim.Now I received a letter on  XXXX   XXXX  stating they ca n't help me with my dispute without providing explanation as to why. When I first contacted them I advised them that the merchant refused to take parts back. I advised the merchant I did n't want the parts and there available and ready to take. I feel my dispute was mishandled and would like it reconsidered. The last supervisor I spoke with was very rude and short.
Product: Credit card

I have consistently made payments on time for this account, and it is causing me immense stress to see an incorrect late payment entry. I have never missed a payment and am deeply committed to maintaining a spotless payment record. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully request an immediate correction to my account and hope you understand the urgency of this situation. Thank you for your prompt attention to this matter. ''
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Recording Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX has Violated my rights XXXX XXXX XXXX XXXX. 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 an account without my written instructions.15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX Never informed me of my right to exercise my nondisclosure option. This account Shows on my credit report as a Charge off and Per the IRS Publication 4681 States, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return '' I have attempted to get this off of my credit report can you help me
Product: Mortgage

My Husband and I have been paying and trying to become current with the back Mortgage that we owe to try to become current and every time we start to get close to paying it down to pay it off, PLANET HOME LENDING refuses to except any more money.
Product: Debt collection

This debt collector is in violation of the FDCPA. It violated my privacy and parked several alleged debts on my credit report ( s ). Please see attachments.
Product: Credit card

Sychrony Bank put a 30 day mark on my credit even though I asked a rep if I made by payments on XX/XX/XXXX, I would be in good standing. I tried to make payments on XXXX/XXXX/15 and XXXX/XXXX/15 but the system claimed my bank rejected the payments which is not true. I did not have a returned payments with them. I want the negative credit mark removed because I paid XX/XX/XXXX 's payment on XXXX/XXXX/15 which a rep said I can do. Now I am getting inconsistent information. They claimed they ca n't remove the negative credit mark which the credit bureau advised me that is not true. He state if they want it removed, they can submit a correction with the credit bureaus. I have had several issues making payments with their reps because they clam my bank rejected the payment, this was not true per my bank. I do not think it is fair.
Product: Debt collection

I have been contacted incessantly and at all hours by various representatives of "  SW Credit Systems LP.   '' They claim I owe {$260.00} to  XXXX  from  XX/XX/XXXX  and on   XXXX   listed this is my  XXXX  credit file. I do NOT owe "  SW Credit Systems,  LP '' ANY balance whatsoever nor anyone they claim to represent, including  XXXX .
Product: Credit reporting or other personal consumer reports

XXXX 's response is essentially a deflection of responsibility. XXXX XXXX and XXXX XXXX. Customer Service XXXX while they provide some general information about credit scores and how student loans can impact them, they avoid addressing the specific inaccuracies I pointed out in the initial letter. 

Key Issues in XXXX 's Response : Avoidance of Specific Issues : XXXX doesn't address the incorrect consolidation status or the presence of closed accounts from previous lenders. 
XXXX on XXXX XXXX XXXX : The response provides generic information about credit scores and how student loan payments affect them, but it doesn't address the specific errors XXXX highlighted. 
Misdirection : XXXX implies that the issues might be with the credit bureaus, not with their reporting, which could be a tactic to shift blame. 

To Whom It May Concern, Your nine-digit SSN XXXX XXXX  First and Last Name. XXXX XXXX XXXX XXXX XXXX of Birth. XXXX  I am writing to dispute inaccuracies on my credit report regarding my XXXX loan accounts. 

Upon reviewing my credit report, I discovered that XXXX has incorrectly reported the approved consolidation of my XXXX loans. Additionally, closed accounts from previous XXXX loan companies are being reported, which is inaccurate. I am no longer with XXXX. Double reporting of as XXXX. Consolidation from XXXX is currently reported. 

I request that these errors be corrected promptly. 

I have attached supporting documentation for your review. 

Thank you for your immediate attention to this matter. 

Please find the addendum attached for further details. 



Sincerely, XXXX XXXX