23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Most recent credit report that I reviewed revealed a derogatory account that was never previously reported. The disputed account is a Discover Account that was opened by my Ex-Wife after we were divorced. I also have a Discover Account with similar terms that is in my name only and opened about the same time frame about 10 years ago. For all of the time since these XXXX separate accounts were established, only my own individual account appeared on my credit report which I have paid on time, every time - only after her account went bad did they attach her account to my report. I was never listed as an authorized signer on her account. About a month ago, Discover sent me a new card and oddly enough they included a card in her name which should have alerted me to their under handed attempt to join both of our accounts retroactively. It was only after I saw my updated credit report, when I notices that they suddenly added her bad account to my credit, that it dawned on me that they were attempting to link XXXX of our accounts - purely as a punitive action against her for her apparent default on her own separate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SENT A LETTER REGARDING UNKNOWN ITEMS AND INACCURATE THINGS ON MY CREDIT REPORT TO THIS DAY XX/XX/2021, XXXX  DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET AND I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND IGNORED OF MY DISPUTES. MY INFORMATION WAS ALSO AFFECTED BY THE EQUIFAX DATA BREACH.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Mortgage

I would like to have case # XXXX reopened and addressed. The authorization was once again faxed ( I have a copy of both the authorization as well as the fax confirmation ) to PHH mortgage on XXXX/XXXX/16 at XXXX. I called again today and once again they have no receipt of the authorization. The number that I called was the number I was instructed to call from a voicemail that I received this afternoon. When I called, I was told that they once again could not help me because of no authorization and that they could not provide me with any information as the loan is in foreclosure and it is with the attorney. The attorney that they are referring to is XXXX XXXX XXXX XXXX XXXX, XXXX. I had previously received a letter from them dated XXXX XXXX, 2016 ( addressed to XXXX XXXX, the " unauthorized 3rd party '' ) mentioning foreclosure in a sentence. The letter also states that a dispute should be submitted in writing within 30 days ( I sent a letter via certified mail XXXX/XXXX/16 to dispute ) and a response will be sent back to me via mail. It is now XXXX/XXXX/16 and the only correspondence I have received is a voicemail from XXXX/XXXX/16 from XXXX at ext. XXXX stating that they had received my letter and I was to call them back. I returned the call that afternoon and left a message for XXXX. I have yet to receive a return call or paper correspondence via mail. 

Also on the XX/XX/XXXX mortgage statement it says that " The first notice or filing required by applicable law for the foreclosure process has not been made. '' My original complaint ... Case # XXXX. None of the issues in that complaint have been addressed nor has the dispute I submitted in response to PHH 's response to my original claim been addressed. 

I have since my original complaint filed for a refinance of the mortgage solely in my name. I have been denied on the basis of Garnishment, Attachment, Foreclosure, Reposession, Collection, Action or Judgement and Unacceptable Payment record on Previous Mortgage, however the mortgage with PHH is not on my credit report. The bank that I had applied for the the refinance through said that they had contacted PHH mortgage. They were given information regarding the loan. So how could that bank receive information but I can not? Since I am still according to PHH " an authorized 3rd party, '' how could they have been authorized to disclose anything based on my application which was solely in my name? 

I am not being helped by PHH mortgage and now they have stood in the way of me obtaining a loan in my name with another bank ( which was approved and I paid for the appraisal ) so that I can keep my house.
Product: Credit card or prepaid card

On XX/XX/XXXX, I fully paid my Lowes Advantage Card in the amount of {$200.00}, as posted on my XXXX XXXX XXXX. In mid XX/XX/XXXX, about 4 1/2 months after I fully paid my Lowes Advantage Card , Synchrony Bank started emailing me, calling my phones, sending paper bill statements, including downgrading my credit score to collect the amount stated above. 

I attempted to dispute this {$200.00} amount several times as Synchrony Bank advised through their customer service but they never stop trying to collect the bill which I dont owe as I have been fully paid. 

I have sent proof of payment to different addresses their Synchrony Bank customer service gave me after believing, understanding the confusion they have made. XXXX spoke with her on XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, all of them agreed with me and made a note or clearance for the disputed amount of {$200.00}. It was the XXXX XXXX discount that was not deducted from Synchronys posting. The XXXX XXXX is XXXX discount for cash purchases but I decided to close it because of its inconsistency of giving discount which I have been enjoying regularly. I have sent proof of payment to the addresses they told me to send. But with all those attempts Synchrony continues to send emails, phone calls, and bill statements and tainted my credit reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX
Product: Debt collection

I received several calls from Bushwood Capital Group at my place of employment. They first called the office that I worked at 8 years ago and as I still work for the same company, they were provided my most recent work phone number. They have called multiple times with the most recent being XX/XX/19 at XXXX CST. They are claiming that I owe {$100.00} to the Colorado Department of Transportation. They told me if I give them my card number, they will stop calling. They told me that they will continue to call every 48 hours until it is taken care of. I ran a credit report today and show no record of what they claim I owe nor does it show the creditor that they claim that I owe. When I have tried to call the number back, it goes to a voicemail that says a name of XXXX XXXX? which is different than the person that is identifying himself as supposedly XXXX XXXX. 

As my credit report is clean, I find it hard to believe that 8 years later, this is the first I am hearing about a so called debt. This is why I believe this to be a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was always on autopay. The sole purpose of establishing autopay is so that payments are always drafted on time. My account is being reported as late in XXXX of XXXX. I went on line to make that payment and the system prompted me that autopay was on and this would result in 2 payments. Therefore, I did not process a manual payment. The autopay did not go through, and I was reported as late. 

While it is my responsibility to make sure the payments are made, it is Lightsreams responsibility to have accurate information on the online portal. 

I want the payment to be reported as on time since it was 100 % not an error on my part.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for a Consumer Credit Card and a XXXX Credit Card. I was instantly approved on XX/XX/XXXX for the consumer card with a {$11000.00} limit. 7 days later i was denied for a XXXX XXXX. I spoked with XXXX on XX/XX/XXXX who advised me that the XXXX XXXX couldn't be approved. He also advised, he was going to submit my application for a personal card back up for review. I activated my card on XX/XX/XXXX and tried to use it on XX/XX/XXXX. Now i am unable to use my card, login online to see my account. I asked XXXX, since I am denied a business card, does this have any bearing on my personal card and he stated " no ". That was a lie. he straight up committed retaliation. How can you instantly approve me for a personal credit card and then play these childish games. I plan on taking taking court action against, XXXX, the underwriter who retaliated against me. I have contacted XXXX to file a complaint. I will also be filing a lawsuit against the bank, XXXX, for defamation of character, and making or assuming false assumptions. The underwriter, XXXX, I will file a lawsuit against him for defamation of character. There was absolute no reason whatsoever to display this kind of behavior or actions on my account. Every time I reach out to the fraud dept or the XXXX dept. I am always told that my account is in review and respond with " I dont know " They wont answer any of my questions and ignore what i say. They will repeat in circles and stay vague. I will also sue the bank, FNBO for tarnishing or damaging my credit report on all XXXX credit bureaus. This has been the worst overall experience i have ever encountered with a creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 my HR department reported to me a false unemployment claim has been filed using my credentials. I reported the fraud and was told to freeze all my credit reports. It worked find for XXXX  and XXXX. However, for 4 days now I have not been able to reach Equifax, despite repeated attempts to login, I kept being referred to their Customer Care phone number ( XXXX ) and others. During my last attempt, instead of waiting until they hung up, I opted to have them call me back. After several business hours I was never called back. Needless to say, I'm very concerned and find this unacceptable behavior and service from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, Here are the documents that proves XXXX XXXX XXXX was provided and was notified by Equifax that I disputed my prior payment history because it was incomplete and inaccurate. ( See Attachment below ). XXXX XXXX XXXX certified to Equifax that the prior payment history was correct and accurate. ( See Attachment below ) I pulled a new credit report from annual credit report. ( See Attachment below ) XXXX XXXX XXXX did not fix any of the prior inaccurate and incomplete payment history. ( See Attachment below ) XXXX XXXX XXXX knew that the payment history was being reported incorrectly. My payment history was blatantly obviously incorrect and incomplete. ( See Attachment below ) Violation after violation. 

Either correct the account or delete it immediately. This is your last chance to fix your companies inaccurate and incomplete reporting of my payment history. Do the right thing, thank you. 





XXXX XXXX XXXX XX/XX/2023, XXXX PM ( 1 day ago ) to XXXX XXXX. 

Ive disputed the accuracy and the incompleteness of my payment history with Equifax, regarding XXXX XXXX XXXX. I will attach documents so you can see for yourself. Equifax says that CAC has verified that the prior payment history is accurate and correct. Will you please explain to me how this payment history could be verified as accurate and correct? I will attach all the supporting documents and you can look at it yourself. Ive been extremely patient. Theres XXXX violations. This is my final attempt to have it corrected or deleted. I just want to move on with my life. 

Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX agreed to remove the account completely from my credit file if the agreed amount was paid. I did pay the settlement and yet the three bureaus did not investigate the account otherwise they would have removed it from my credit file and not just report it with a XXXX balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$21000.00}, XXXX  XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00}, XXXX XXXX XXXX  XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}
Product: Credit card or prepaid card

I had 2 credit cards from American Express : The first one was the blue, then American Express sent me the gold credit card. I paid off the blue to have just use the gold credit card. I don't use the gold since XXXX. That year, I had problems to pay the credit cards because I was without a job. I informed American Express and they continued sent me the invoices. The last time I called the customer service representative told me all the time : " you have to pay this amount or your credit will be affected ''. I asked for payment options and American Express never gave me an alternative. 

In XX/XX/XXXX, I received by mail a letter from American Express. This letter informed that they make a mistake with me because I was eligible for collection programs or settlement offer and they NEVER offered me that. With the letter, American Express includes a check for the quantity of " {$50.00} in recognition of any inconvenience that may have caused ''. 

I was so, sad and mad, because during XXXX - today period I have trouble to help my husband to buy a house, car and make some financial errands but always my credit was affected by the mistake American Express made. 

And then, I start to ask myself : Why they are sending me money? They KNOW that they make a HUGE mistake and AFFECT my financial life and now they want me happy sending {$50.00} for THAT? 

Last Tuesday, XX/XX/XXXX, I get my annual credit report and the report has 2 American Express accounts CANCELLED/NEVER LATE, both with different numbers, different amounts and different status updated. 

The account with the starting number XXXX is the blue and the report has a debt of {$1200.00} which I paid before start to use the gold credit card with the starting number XXXX. 

Immediately, I decided to call American Express offices and to my surprise, they told me that my gold credit card account was sent to a collector private company and the account was canceled in XXXX. I told them that I never received an email or a letter via mail from American Express or Collectors informing that. 

I informed that I was using the card until XXXX, I was paying the bills before that date, where the money went?. Also, they told me that my blue credit card account did not appear in the system. American Express told me that the ending account number I have in the letter XXXX is not the same account ending number they had in the system. I asked what are the credit card numbers they have in the system and American Express refused to tell me. I explained about the letter with the check and about how American Express mistake affect my financial life and American Express said : " We are sorry about the inconveniences '' and " please accept the check as a symbol of our apologies and damages we caused ''. 

Honestly, I feel that an insult for me as a consumer. 

I will appreciate all the help you can give me and my family.
Product: Credit reporting or other personal consumer reports

Recently review a copy of my credit report and I noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have sent disputes to all 3 credit bureaus and XXXX XXXX XXXX XXXX to remove the collections account for XXXX XXXX from my credit report. The reason given is the debt was settled for less than the original balance. However the debt has been paid settled and is no longer considered an outstanding debt in collections. I have a paid in full letter from the original creditor XXXX XXXX. 

I want to include XXXX as part of the Credit Bureaus listed separately below.
Product: Credit reporting

I had a number of identify theft issues in a 3 month span. Someone tried to file a tax return in my name, I received a credit card in the mail I did n't order and I received a letter saying my information may have been compromised. I was advised by the IRS to contact the XXXX credit reporting agencies and put alerts and holds on my accounts. I unwilling signed up for services with Transunion and was charged a monthly fee. The whole process was confusing and at no time was it apparent that I was signing up for paid services. I cancelled the subscription and was compt XXXX fee, but not all. To date the only money that I 've lost due to " identity theft '' has been to TransUnion for their dubious business practices and misleading information. 

Dealing with identity theft is confusing. TransUnion preys on that confusion to make money. I 'm sure their business practices are technically legal, but it 's an unethical and horrible model. I think that if people are being steered towards them for help they should not be able to set traps.
Product: Checking or savings account

OnXX/XX/XXXX, I logged in to my mobile banking app and saw that my savings account was negative {$10000.00}. I called customer service and my call was transferred until I got a person 's voicemail. The next day, I was called back and told that XXXX XXXX had filed a claim and therefore they debited my savings account for half of a settlement check that I had received and deposited in XX/XX/XXXX. So the bank debited my account without even speaking to me or notifying me. When I finally got a person at Bank of America, they said I needed to contact XXXX XXXX to find out what was going on. The next day, my checking account and savings account were closed without notifying me or warning me. I was also locked out of mobile banking and can not even access my past transactions. I have had this account for 22 years with no problems. When I went to the local branch, the manager there told me he could n't help me and neither could anyone at Bank of America.
Product: Money transfer, virtual currency, or money service

I was abruptly removed of my funds and account for no apparent reason even after providing valid proof of the source of my funds. I was simply transferring funds to my loved ones and friends of which were impacted by this focus-19 crisis and PayPal decided to take my {$1500.00} of hard earned money away from me and my loved ones
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed with Experian number XXXX These accounts arent mines they do not have my whole social security number and it is not on my other 2 credit reports it only is reporting on Experian account not mines
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024, I was asked to purchase services for a fitness program from XXXX XXXX XXXX through affirm pay, and was scammed. The affirm pay signed me up for a loan of {$3000.00} in 6 installments, and after signing up for the loan, I did not receive any fulfillment of services or any products that we promised to me. Affirm pay is now holding me personally liable for the loan for products/services not delivered nor provided.