23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX items were erroneously entered on all there credit reporting agencies. All XXXX issues were disputed at the same time with each reporting agency. Upon investigations by XXXX and XXXX all XXXX entries were removed in their entirety. XXXX has failed and refused to correct the same issues. Moreover, they have failed to respond in any way regarding these disputes.
Product: Credit reporting or other personal consumer reports

I am writing this correspondence to request the removal of outdated or inaccurate personal information from my credit report. I have reviewed my credit report and identified the following outdated information that needs to be corrected or removed : Incorrected Names :XX/XX/XXXX Outdated Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Outdated Employment Information : No longer at these employers. 

XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605, information that is outdated or unverifiable must be removed from my credit report. This includes addresses, employment details, and phone numbers that are no longer relevant or accurate.

I request that you investigate and correct these inaccuracies promptly. If you are unable to verify any of this information within the required 30-day investigation period, please ensure that it is removed from my credit report, in accordance with the law. 
Please provide me with a written confirmation of the changes made to my credit file or a statement indicating why certain items may not have been removed. I attached a copy of current lease with my correct address, and it also has the correct spelling of my name. 

Thank you for your attention to this matter. If you need any additional information from me to process this request, please feel free to contact me via email at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX  XXXX {$730.00} XXXX XXXX XXXX XXXX {$60000.00} US DPT ED XXXX {$2600.00} US DPT ED XXXX {$3700.00} DPT EDXXXX XXXX {$3700.00} XXXX  XXXX XXXX {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXXXXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section:2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX tx XXXX Subject : Formal Dispute Regarding Inaccurate Information On My Credit Report Dear [ Experian ] I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being.I am aware of my rights under the fair credit reporting act and request a thorough investigation into the inaccuracies, as required by federal law. Rencently, the consumer financial protection bureau filed a lawsuit against experian for its failure to properly invesigate consumer disputes, citing " sham investigations ' and other unlawful practices.These practices, as outlined by the CFPB, include conducting inadequate investigations that fail to address consumer disputes properly reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigations results effectively .These allegations highlight systemic ifssues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports.I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently pulled my credit report after purchasing new cars and came across a collections account from Consumer Credit Services on behalf of XXXX XXXX, of which I have never had any business with. I have filed a dispute with all 3 credit reporting agencies and they advise I file one with the FTC as well. There is also an address now showing on my account that the agencies confirmed are tied to this account which is XXXX XXXX XXXX XXXX XXXX, TX XXXX. I have never lived at this address or anywhere in the greater XXXX area. 

The CCS account is showing opened on XXXX, which is around the same time we purchased the cars and is now in collection for {$2400.00}. 

I have called CCS to notify them this is not my account as well and that I am filing a dispute on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

XXXX XXXX XXXX and eqifax are validated my disputes with out investing
Product: Credit card or prepaid card

TO : Synchrony Bank XXXX XXXX XXXX  CC : Comptroller of the Currency, Customer Assistance Group Consumer Federal Protection Board RE : Cash Back Program and lost check in the amount of {$250.00} Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX On XX/XX/XXXX, I inquired at my local XXXX XXXX XXXX in XXXX, GA, XXXX to my XXXX XXXX XXXX Cash Back check for XXXX. I was informed that the Cash Back checks were likely mailed in XX/XX/XXXX, and I was instructed to contact Synchrony Bank ( the Master Card and Cash Back Servicer ) as I had not received said check in the mail. I called Synchrony Bank and was initially advised that the check was mailed and cashed. I indicated that I had not received nor cashed the check and asked they confirm that the check was cashed. After a long wait on hold, the bank person said that the check was not cashed after all. However, it would not be re-issued since the expiration date of the check had passed. If I owed Synchrony {$250.00} and I mailed a check payment that got lost in the mail, they would demand that I send them another check. 
I explained to the Synchrony representative that I was away from my residence and out of state during the whole month of XXXX and the first half of XXXX, having stayed in Colorado with mail on hold at the Post Office. When I returned home I was not aware that the Cash Back check had been mailed. It was not in our Hold Mail. Then in XXXX, my wife 's brother died in XXXX, IN, and we were required to attend to his estate matters and remained in XXXX. Consequently, we were gone from our Georgia residence and out of state for nearly five months. During that time, my monthly payments were made to Synchrony Bank automatically and without my review of the monthly statements since we did not have our mail forwarded to us and did not have Internet access at his address. Our Georgia neighbors collected our mail during our absence. Since our return in XXXX, I have been catching up on all my financial affairs. 
I believe the response by both Synchrony Bank and XXXX XXXX XXXX is without goodwill and without effort to understand the issue that I have presented in this letter. As noted, the Cash Back check was never cashed, so I can only assume it was lost somewhere along the way during my absences from home. I have a spotless long-term history with XXXX XXXX XXXX and Synchrony Bank. This may end as I see no reason to continue a relationship that is not mutually beneficial. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Product: Checking or savings account

My son plays Hockey for the town of XXXX XXXX CT where I am a coach as well as on the Board for the XXXX XXXX XXXX XXXX XXXX. We are a travel hockey team. We traveled to The XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX on Sunday XX/XX/year> to play XXXX games. First game was at XXXX against XXXX XXXX XXXX XXXX XXXX The second game was against their team The XXXX XXXX at XXXX. In between games we went to the snack bar to buys something for my son to eat. The charge was for {$39.00} and is a legitimate charge showing " food '' that posted to my bank on XX/XX/XXXX. There is a second charge on the same day that was not made at the snack bar for {$36.00}. Then another charge for {$110.00} was posted to my bank account on XX/XX/year>. As a XXXX XXXX XXXX we would have never visited that rink again outside of our schedule games. In addition, we would never have rented skates ( they do not rent hockey equipment ) as we have always had our own equipment as would any person playing in the league. I have requested Citizen 's bank for a refund due to fraud which was denied the first time due to what they claim as a " relationship ''. Which makes no sense. We have asked for a second review, and it has been sitting now with XXXX action taken. I have called multiple times ; they have said to give them X days and call back and still no resolution. The dispute is for {$150.00} which is the total for all non-food charges.
Product: Checking or savings account

I can not open new account due to fraud problem and the bank considered as a risk then they permanently end relationship with me for no time and they said once this final decision has made it will be irreversible.please help me.
Product: Credit reporting

I have no idea, nor could XXXX tell me why or how this account was opened. I never agreed to pay for money I never borrowed!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorneys at Law representing Suntrust bank Got a default judgement against me in court without serving me properly.The process server did not comply with Georgia Rules of Civil Procedure. concerning the summons A forbearance was offerd by the bank however the above law firm charged me approximately {$9000.00} plus another approximately {$400.00} in court costs. My interest rate went from 4 % to 8 % .Furthermore my principle was {$82000.00} @ 4 % interest is {$3300.00} not {$4900.00}. as the forbearance agreement states. I went from owing approximately {$83000.00} to XXXX for my home under this agreement. Under this agreement an additonal XXXX was tacked onto my principle which fits the definition of usary in Georgia.Section 7-4-18 of the Georgia Code contains a criminal usury statute which provides that no loan shall charge any rate of interest greater than five percent per month either directly or indirectly, by way of commission for advances, discount, exchange or by any contract, contrivance or devise whatsoever. In the event any loan violates this criminal usury statute, the lender forfeits all interest due on the loan but will still be able to collect the principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing information being listed on my credit report. I spoke with XXXX at XXXX XXXX XXXX XXXX about an account being listed as my insurance company collected the money from my XXXX account and paid the hospital directly. I spoke to someone about the account with XXXX XXXX and informed them that my Insurance company has been contacted and will pay the facility directly. They listed it on my credit report stating I owed them for the medial bill in which I did not OWE them I had my insurance company create and pay the bill through their medical system. 

I then seen the information listed on my credit as " Unpaid " and now " Paid " 1. I did not pay XXXX XXXX XXXX .My insurance handled the billing.

2. I informed them that I did not owe them and they need to stop reporting as it is illegal to report false information on my credit report. 
3. They should NOT own this debt as when I emailed XXXX at XXXX XXXX XXXX XXXX she indicated that she will be having someone reach out to the collector and tell them they can't collect or own the debt any longer. 

I sent several emails to the collections agency in which they responded to none of my emails or letters sent. I also copied them in on the letters I sent to XXXX XXXX indicated the account will be recalled from their agency. I again di not pay them so I want this collection off my record. My insurance took care of the money in which I communicated with them and XXXX from the beginning. That XXXX must have miss communications and when they finally settled it they should not be reporting. If you say I owed you money send me a signed contract I have with this collection firm if not REMOVE THE CREDIT LINE FROM MY ACCOUNT. send me a SIGNED contract with my name on it. I am also sending a verification letter to the CB as well for documentation on this account and to see what all is being listed. I will not let people damage my credit reputation due to miscommunication from companies in which I clearly indicated I did not owe any thing to and a contract can not be provided according to the FCRA 611
Product: Debt collection

XX/XX/2020 A employee called today, without self-identifying on the first call with Portfolio Recovery, which itself is a FDCPA violation. No proof of ownership has been provided. They mentioned legal action as if they were considering it, which at this point I consider a threat. This is regarding an old account.
Product: Credit reporting or other personal consumer reports

I reached out to Experian by phone on behalf of my credit file and informed them that I have observed inquiries on my credit report that I did not authorize or had no knowledge of. Experian informed me to contact each company and inform them of the matters. I contacted the companies and was told that I needed to reach out to Experian to get them removed. I contacted Experian once again and was informed that the credit inquiries on my credit file will remain and not be removed. It is my understanding that by federal law if a consumer contacts the said creditor and crediting reporting agencies that the said inaccurate items must be removed and updated to report and reflect accurately.15 U.S.C . 1681e ( b ) Accuracy of Information.

The inquries that must be deleted and blocked from my credit report are as follows : XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX.
Product: Credit card

Dear Chase Bank Customer Service Department, I am writing to express my serious concern and disappointment regarding the denial of my fraud claim despite providing all necessary documents, including a police report, to support my case. The unauthorized transactions, totaling {$2900.00} and made to XXXX on XX/XX/2023, have caused significant distress. 

On XX/XX/2023, I engaged in a conversation with a representative named " XXXX. '' During this interaction, XXXX displayed a lack of professionalism by being rude and unhelpful. She not only threatened to close the claim but also treated me as if I were responsible for the charges. XXXX informed me that Chase Bank 's official policy requires a police report for transactions above a certain amount. In compliance with her instructions, I promptly submitted a police report via fax on XX/XX/2023, to the number provided by XXXX. 

Regrettably, I have not received any updates from Chase Bank since then, indicating a lack of willingness to resolve this matter. This continued negligence and disregard for the rights of a customer are deeply concerning. 

I find the lack of transparency in Chase Bank 's response to be unacceptable. I have not received any reasonable explanation for the denial of my fraud claim, and this has left me with no choice but to consider escalating this matter to legal action. However, my primary goal is to seek a resolution without resorting to such measures.
Product: Credit card

Citibank Master Card offered a promotion of XXXX XXXX XXXX XXXX if certain spending occured in a certain periosd of time. This was achieved. When I did not recieve the miles for the promotion, they are now saying that I dont qualify due to having the card in the previous 48 mos. At that point, asked them to refund my annual fee ( {$590.00} ) and they are refusing. They are telling me I should have read the fine print on the offer, however this was nnever explained to me and I have no value from this card now, however they have my annual fee payment and refuse to reimburse me.This money is a lot to lose for my family and I Also, this is deceptive and I would like to recieve immediate assistance. 

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

XX/XX/XXXX- until XX/XX/XXXX I HAVE SOMEONE opening or requesting to open new lines of credit card I have not done this nor given my information there so i know my personal information has been issued
Product: Credit card or prepaid card

on XX/XX/2023 we received mail addressed to a XXXX XXXX at our address. We have no association with this person or even know who he/she is. The letter is from XXXX XXXX XXXX XXXX XXXX XXXX, FL. The back of the letter indicates this is from US Bank. The letter states : Thanks for contacting us about your recent change of address. This letter confirms that your address change request has been processed. 

This XXXX XXXX does NOT live at our address. We contacted US bank at XXXX and initially spoke to XXXX who stated anyone can use any address they want. I then spoke to her supervisor XXXX who stated that US Bank does not have a fraud department to review this, when I told her that was a lie she stated yes they did have a fraud department but she didn't have the phone number for them. She repeatedly wanted my information which I was at this point hesitant to share but finally did in hopes of resolving this issue. We have not received resolution.
Product: Money transfer, virtual currency, or money service

Contacted Comenity Capital Bank toll-free number and was told we could pay an account balance with a debit card. On XX/XX/2020, when we arrived at XXXX XXXX in the XXXX XXXX XXXX in XXXX XXXX, Texas, we were told we had to pay account balance with a check. DO NOT ATTEMPT TO CONTACT ME AT THE TELEPHONE NUMBER LISTED WITH THE XXXX. THAT TELEPHONE NUMBER IS A NON-WORKING TELEPHONE NUMBER. I PREFER TO BE CONTACTED BY EMAIL AT XXXX. DO NOT CONTACT ME BY TELEPHONE.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several credit cards who have run my credit several years after I either closed the or quit using there card. Also some credit card I possess periodically look at my credit which is not needed beause I am current on all my accounts. I feel that this is totally inappropriate. Some creditors are on my report who I have no business with at all. 

Closed/paid off Still active Never had/Old XXXX & XXXX XXXX XXXX XXXX BANK XXXX BANK XXXX XXXX XXXX XXXX XXXX AMEX XXXX 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
Product: Debt collection

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX XXXXreaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

-I have a line of credit with Goldman Sachs Bank USA . 
-I initiated a draw but it was denied.

-It was rejected and I was told the reason is " Level of delinquency on accounts for one or more guarantors '' -I requested on where to get a credit report to show what is delinquent, as I have checked my credit and do not show any negative marks. 
-Goldman Sachs then said to reach out to XXXX XXXX XXXX 
-I requested the business credit report from XXXX XXXX XXXX However it was not sent and I was told " Currently a business credit report is sent only to companies whose files have been accessed by XXXX XXXX XXXX XXXX members. However, we are unable to determine that a report for the company noted in your request has recently been generated for review. '' -I was denied a draw on my line of credit but they have not provided me a specific reason ( s ) for denying your credit application.

-Goldman Sachs has not given me my credit score and the credit reporting agencies that provided the information.

-Goldman Sachs has not provided me free copy of your credit report from each of the credit reporting agencies.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX : # XXXX {$850.00}, XXXX XXXX XXXX : # XXXX {$800.00}, 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 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.