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

DISCOVER CARD ISSUED ME A SECURE CARD, I DISPUTED A CHARGED OF XXXX from a unauthorized merchant, I also had a bunch of other unauthorized charges, but I also have some authorize charges, so instead of issuing me a new card, and stopping all unauthorized charges, Discover has allowed the merchants to continue to charge me so every month my balance due is overstated by the unauthorized charges, then if I make a payment to Discover on. Friday afternoon, the money disappears instantly from my checking acct, but it never shows up on Discover up until on next week on Wednesday, which is atrocious, yet I am trying to build my credit and have to accept this predatory lending, in addition, I used to have a Discover Card with my Domestic XXXX XXXX and apparently he also had a second card with his father since they co-mingle ss # and someway somehow is affecting me in getting credit, yet I am been penalized for inaccurate info everywhere
Product: Debt collection

This is a State of XXXX TAX debit which was paid last year and the company calling XXXX XXXX Law Firm ( read XXXX-XXXX  XXXX ) verified I was paid yet they continue to call trying to collect a debit not owed, this was paid direct to the state of XXXX from other tax refunds, the " law '' firm is not actuate and has poor record keeping. 
I am tired of the repeated phone call about a paid debit
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021. Saturday afternoon. XXXX XXXX. This is the second time I have reached out to Experian and a detail fashion explaining that these information should be deleted off my credit report and the only thing you correct it was my name. I am resubmitting my request to have this information delete it permanently off my credit report. Please see attached
Product: Debt collection

In XX/XX/XXXX, I gave XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. There were some issues surrounding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe that this issue was due to provider neglect. Further, none of the providers had followed up with me to check on my well being or explain why the traumatic experience had happen. 

After I was recovered from the XXXX I began receiving medical bills. I was in communication with the clinic on negotiating a payment, as my deliver seemed to not be properly billed to insurance. Additionally, I have communicating to the clinic about how I shouldn't be responsible to pay for a delivery that resulted in a very negative experience. 

Not shortly after the delivery, my medical bills were sent to collections. Within the short period of time that they were in collections at CBB, inc XXXX XXXX XXXX, I was in communication with the debt collector. I had notified them the issues surrounding insurance and that fact that I was working with insurance and the clinic to resolve my debt issues. 

On XX/XX/XXXX, I received a notice that legal action is being taken against me. I do not believe that CBB Collections has sufficiently put forth an effort in contacting me before taking legal action. Additionally, I had been the one to make the initial phone call to arrange a payment plan in XXXX of XXXX, which I had done. When I spoke with the debt collector on XX/XX/XXXX, he had mentioned that the payment plan wasn't complete and I had failed to sign a contract implementing the payment plan.
Product: Vehicle loan or lease

XXXX XXXX is reporting under the business name of BMW Financial to all three credit bureaus. This is causing a lot of confusion. Additionally, XXXX/BMW is reporting inaccurate information to all three credit bureaus regarding my account. I disputed this information and the inaccurate information continues to be reported. This serious issue has now caused me to lose a job opportunity and a chance to submit an offer on a home that was accepting highest and best offers by XXXX on Sunday, XX/XX/XXXX. I have an attorney that is willing to take this case on a contingency basis and will sue for punitive damages on my behalf since I have documentation of the loss and the accurate information. Negative marks were placed on my account only after I called in XX/XX/XXXX and spoke with XXXX XXXX in Collections to voice my displeasure in that XXXX/BMW would not extend deferments on payments to me for a hardship that I endured after my position was eliminated and subsequent job loss. I sent a fax with a letter of explanation and documentation following my initial dispute. I sent the fax on XX/XX/XXXX to XXXX XXXX, Special Accounts Support Specialist. I received a voicemail from XXXX, Customer Support Specialist on XX/XX/XXXX confirming that my faxed complaint had been received by XXXX and that she would reach out to me with further questions if needed. One of the incorrect items is a 30-day late negative mark for XX/XX/XXXX when my payments were deferred only after I was impacted by a natural disaster. I am hereby requesting that ANY and ALL negative marks pertaining to my lease with XXXX XXXX/BMW Financial to my credit report be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2023 Dear Sir/Ma'am, I am writing you this letter regarding payments that were marked late by your company for the following accounts : XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX TransUnion or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX I disputed this account with confirmation number XXXX with Equifax information XXXX this account from XXXX XXXX XXXX XXXX Account # XXXX It was deleted from my file, for some error in Equifax XXXX system its still reporting to the other platforms, but Equfax system is not reporting. I request for a refresh of my data and also, Im requesting an investigation to remove this fraudulent account immediately and also the inquiry from XXXX XXXX from XX/XX/XXXX. 
According to ( FCRA ) 611 ( a ) this section requires a credit reporting agency to reinvestigate any dispute information and record the current status of the dispute information. Equifax is in violation and Im requesting for immediately removal of these accounts. within XXXX business days upon receipt RE : Dispute of Fraudulent Account and Unauthorized Re-insertion Unauthorized inquiry The presence of a fraudulent XXXX XXXX XXXX account on my Equifax credit report. This account was previously removed from my report, but it has been re-inserted without my knowledge or consent. The account is also reporting as deleted on Equifax while still appearing on other credit reporting platforms. 

Furthermore, I have received an inquiry from XXXX XXXX XXXXXXXX regarding this fraudulent account, which is causing me significant distress and potentially damaging my credit worthiness. 

The details of the disputed account are as follows : XXXX XXXX XXXX XXXX ACCT # XXXX I have never authorized the re-insertion of this account on my credit report, and I demand that it be immediately removed. The re-appearance of this fraudulent account is a clear violation of my rights as a consumer and a breach of Equifax 's responsibility to maintain accurate credit reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that Equifax : XXXX. Conduct a thorough investigation into this matter ; XXXX. Remove the fraudulent account from my credit report permanently ; XXXX. Provide me with a corrected copy of my credit report ; and XXXX. Notify me in writing of the actions taken to resolve this issue. 

I am prepared to provide any additional information or documentation necessary to support my dispute. Please promptly address this matter and keep me informed of the progress of your investigation. 

Thank you for your attention to this critical issue. 

Sincerely,
Product: Mortgage

I am XXXX representing some client 's of mine and they are going through a short sale. The bank who holds the loan is Flagstar based out in Michigan. I met the owners in XXXX and have had all necessary paperwork prepared and submitted since XXXX and have heard nothing from the bank. I call in to a service rep about once a week and they give me same update. They say the processor who 's name is XXXX XXXX has n't gotten to it and there is no update. Everytime I speak with the short sale rep they say she will call me to provide an update but never has once. I have emailed her about 3 times as well. I put my complaint into the bank and of course received nothing back from them. My client 's fear is that the bank is just skipping the short sale step and going straight to a foreclosure. She does n't want them to show up one day and have all of her stuff be thrown out on the lawn. I have all the necessary documentation about my client 's situation and why she ca n't pay mortgage anymore. Please advise what we can do about this situation as we have had paperwork prepared for four months now and have n't heard one thing from the bank.
Product: Credit card

Someone applied for a XXXX XXXX credit card a XXXX  card and a XXXX card service without my consent on XX/XX/XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21, XXXX emailed me about a new card which I did not request. 
XXXX closed the card and told me to call Equifax to request a fraud alert. 
I talked to Equifax and XXXX and I asked both to REMOVE THE HARD INQUIRY from XXXX on XX/XX/21. 

As of XX/XX/21, Equifax did not remove it and XXXX is refusing to give me a credit report.
Product: Credit card or prepaid card

XX/XX/2014 XXXX or more tried to resolve but no actions was given
Product: Checking or savings account

On XX/XX/XXXX i tried to link an external bank account and was informed that i needed to send secure documents to prove ownership of my acct i did several times they blocked my account and everyday i was sending support messages through the app i called on several occasions and was informed no manager on duty they blocked my account and i had no access to my funds XXXX helped me and my account was unblocked after 2 wks of my funds being held from me that was on Thursday XX/XX/XXXX i was able to pay some bills and transfer money from simple to simple but then on Friday XX/XX/XXXX my account was blocked again and i haven't had access to my funds since i have spoken to several people from the date of XX/XX/XXXX and i have not gotten anywhere i spoke to manager XXXX on SaturdayXX/XX/XXXX and was informed a check was going to be mailed to me expedited and today is XX/XX/XXXX and they r still holding my funds i have a medical condition and i need to see my XXXX and take medications on a daily basis and they r holding my funds and i haven't been able to pay anything and my rent is due on the XXXX this is all my funds i have available to me and i am not getting anywhere with customer service because supposedly they do no have a manager on duty what type of company is this they should be ashamed and the representative XXXX XXXX was the one that closed my account without my authorization he is rude and unprofessional he should not be working in a customer service dept
Product: Credit card

Paid {$1000.00} on XX/XX/XXXX ( one week ago ) and {$300.00} ( XX/XX/XXXX ) on XX/XX/XXXX to lower my balance on the Mercury Credit Card. Funds have been withdrawn from my bank account buy have not been credited towards my balance ( not paid down ) a week later. Today is XX/XX/XXXX. 

I called customer service about this. Rep said he had to do research. I was on the call for 25 min and then Mercury Card hung up on me. 

Issue not resolved.
Product: Credit reporting or other personal consumer reports

My account with ( XX/XX/XXXX ) was never late! I have had exceptional payment history witH XX/XX/XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

(XX/XX/XXXX) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I want XXXX XXXX and Equifax to fix this problem and restore this good standing credit line to my XXXX Equifax only XXXX credit file. I have made all my payments on time and all they would need to do is CALL EQUIFAX and figure out the problem. I have since been denied a credit limit increase on this XXXX  XXXX account and feel that the denial was a direct result of the account missing from my Equifax credit file, XXXX Attachment 1, XXXX XXXX letter, XX/XX/XXXX XXXX. 

On XX/XX/XXXX while monitoring my Equifax credit report, it was reported that Equifax added a remark to the XXXX XXXX tradeline. The remark said, " Consumer disputes, reinvestigation in progress, '' ( Attachment 2, Equifax Credit report, XX/XX/XXXX ). This account was opened on XX/XX/XXXX and I have never disputed the account, ( Attachment XXXX, XXXX XXXX credit card statement, XX/XX/XXXX ). 

On XX/XX/XXXX, while monitoring my Equifax credit report, the XXXX XXXX tradeline was completely removed from my Equifax credit report. I contacted XXXX XXXX and they had no knowledge of the account being removed and they were still reporting it to all three credit reporting companies. I told them that it was only Equifax that removed the tradeline. They told me to contact Equifax. 

On XX/XX/XXXX I sent a letter to Equifax asking them to investigate the account and explain the reason they had for removing the account from my Equifax credit file. In my letter I also told them I had never disputed this account. The only response I received from Equifax was Dispute Results. The results state that XXXX  XXXX is NOT being reported to my Equifax credit file, XXXX Attachment 4, Equifax Results for Dispute # XXXX, XX/XX/XXXX XXXX. 

In XXXX, XXXX, I forwarded the Equifax dispute results to XXXX XXXX along with a letter asking them to fix this problem and restore the tradeline to my Equifax credit report. They replied with a letter that confirmed the account is being reported to my Equifax credit file, ( Attachment 5, XXXX XXXX letter, XX/XX/XXXX ). 

XXXX XXXX and Equifax are giving me the run around. Please fix this problem and restore this tradeline to my XXXX Equifax only XXXX credit file. I have made all my payments on time. XXXX XXXX PLEASE CALL EQUIFAX and fix this problem.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$310.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$750.00} XXXX XXXX Balance Owed : {$700.00} XXXX XXXX Balance Owed : {$840.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$340.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/2019 XXXX XXXX Balance Owed : {$330.00}
Product: Credit card or prepaid card

Applied and approved for AAdvantage card from Citi in XX/XX/XXXX. We can see all of our miles on our statement as we earn them. However, when we logged in to use them in XX/XX/XXXX, our miles reflected XXXX. We contacted XXXX XXXX XXXX XXXX, who informed us the miles were posted to the incorrect account, and used. Only approx XXXX miles of the 45+k miles were unused ( which were transferred to our account in about a week ). The remaining miles we were informed that once they are used, even if we did not authorize them to be used by someone else, that we could NOT have them back. There were XXXX miles used on a booked, yet untraveled flight, which XXXX informed us they could give back to us if the flight was canceled and penalty fee paid. We were able to find out who used the miles. They did cancel the flight mid XX/XX/XXXX, and paid the penalty fee. The miles still have not been put in our account, and the other approx XXXX miles they say they can NOT give us. We contacted Citi bank, whom states they can not give them to us, as it is American whom issues the rewards. XXXX has given us XXXX as a courtesy, but we are still out several thousand miles, equating to several hundred dollars in flights. We also asked Citi if they would be willing to waive the annual fee due to the mistake, they refused. We have been working with both Citi and AA over multiple phone calls and complaints over about 2 months with no resolution in sight. It is not our fault that the miles were awarded to the incorrect account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I received a statement from XXXX and paid off the balance, as far as I was aware the account was paid off at that time. For whatever reason ( which I now believe to be fraud ) XXXX continued to take {$100.00} per month for 4 years from a banking debit card. At some point my debit card was compromised at another store and I was later called by XXXX asking why a bill was n't being paid. At that time I was shocked to hear that I owed XXXX anything and requested more information and an investigation about why or how I owed any bill. After being told by a XXXX representative that there were no purchases made on the account I requested that the monies be returned to me which XXXX initially agreed to do but then did n't. Later I found that the bank reported the derogatory information to my credit bureaus. I then spoke with several people at the bank for several hours and ultimately got nowhere. I ask XXXX to show what was bought within the last 5 years and the bank confirmed that no purchases were made during that time. I never found out where the {$100.00} monthly payments were going 4 years after I made my payment in late XXXX early XXXX. Now I am left with a derogatory mark on my credit for a debt I do not owe and actually should be receiving a refund for. I requested XXXX to delete the derogatory account from any and all credit bureaus and to refund me the {$4800.00} that I overpaid them ( {$100.00} per month for 4 years. ) If this issue is not fixed I will be forced to hire an attorney and sue XXXX for the egregious error they have made on my credit record. I had no derogatory information listed from XXXX on this account ( no late payments, no charge off listing, no settled account ) before this issue arose. This is the last time I will make this request before I pursue a legal remedy.
Product: Mortgage

I wanted to remove PMI and requested to mortgage lender what was process. XX/XX/XXXX sent documents. XX/XX/XXXX requested an update. No response. XX/XX/XXXX sent another request for update. No resonse.
Product: Credit reporting or other personal consumer reports

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.