23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX, 2014 and XXXX XXXX, 2014 I submitted a dispute to XXXX XXXX at Synchrony Bank for current charges with Care Credit, the Provider is Animal Hospital of XXXX XXXX. I signed a contract with the Animal Hospital on XX/XX/2014 for XXXX for my XXXX dog. XXXX developed an XXXX which was diagnosed as XXXX. An X-ray was taken and confirmed that the XXXX that XXXX XXXX placed in her XXXX during surgery failed and because of the XXXX XXXX which she contacted during the surgery, needed to immediately be removed from her XXXX. He never offered to redo the surgery free of charge. I still have an open Care Credit with a balance of {$1500.00}. XXXX XXXX refuses to re-emburse me for the original charge of {$2800.00}. or remaining balance of {$1500.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ XXXX XXXX XXXX XXXXXXXX BANKRUPTCIES/ XXXX XXXX XXXX ] Please block this information from my credit report, pursuant to secti

on 605B of the Fair Credit Reporting Act. This is a clear violation per 15 U.S.C. 1681 et seq. 

I've also included responses from XXXX XXXX and the Bankruptcy Court.
Product: Credit reporting or other personal consumer reports

XX/XX/year> emailed XXXX Opt-out third party XXXXeporting & Credit Reporting Updates Transunion and XXXX refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates. 

Please immediately correct/remove incorrect name ( no middle initial ) Correct name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - remove all Non-Mailable addresses incorrect previous addresses- remove all Non-Mailable addresses remove all Nonpublic Previous employers incorrect non-matching date opened incorrect non-matching high credit incorrect non-matching last active incorrect non-matching date of last payment
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX / XXXXXXXX XXXX XXXXXXXX, XXXX, has violated my rights. 

I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/XXXX I informed XXXX XXXX that I will not be renewing the lease because at that time my ex made some threats to my life as well as being the beginning of the covid out break. I spoke to the XXXX XXXX XXXX who stated " thank you for paying your rent during the pandemic you can use your security deposit for your last month rent since many of our tenants aren't able to cover the rent due to covid. I moved completely out of the rental on XX/XX/XXXX. The lease was termed on XX/XX/XXXX. The home was completely spotless, I have images. I haven't received any information from Invitation Homes as to why I owe them this outstanding balance of {$1500.00} that was put on my credit report as a collection on XX/XX/XXXX from a debt collection agency named Fair Collections and Out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified the following negative information that needs to be corrected : The personal information associated with account number XXXX, XXXX, XXXX is incorrect. This violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to provide accurate and complete information about me. Therefore, I demand that it be removed from my credit report immediately. 

The personal information associated with account number XXXX, XXXX, XXXX is also incorrect, which violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ). This is not my name, and I demand that it be removed from my credit report immediately. 

The personal information associated with account number XXXX XXXX is also incorrect, which violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ). This is not my name, and I demand that it be removed from my credit report immediately. 

There is an inquiry on my credit report from XXXX with a date of XX/XX/XXXX. I have no recollection of authorizing this credit pull, and it violates my rights under FCRA Section 604 ( a ) ( 3 ) ( B ), which requires that a credit reporting agency may only furnish a consumer report for a permissible purpose. Therefore, I demand that it be removed from my credit report. 

Additionally, there is another inquiry on my credit report from XXXX with a date of XX/XX/XXXX. Again, I have no recollection of authorizing this credit pull, which violates my rights under FCRA Section 604 ( a ) ( 3 ) ( B ). Therefore, I demand that it be removed from my credit report.

I kindly request that you investigate these issues and take appropriate action to remove these incorrect items from my credit report. As required by FCRA Section 611 ( a ) ( 1 ) ( A ), I have attached a copy of my credit report, highlighting the above-mentioned items, for your reference.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

The summary of the story here is that I got scammed, but the real issue is the lack of basic informative language that was provided by Bank of America to me which would have saved me from being scammed. 

I was attempting to sell a mattress on a secondary market and a potential buyer contacted me about wanting to purchase. He put up faade about being an older man and having a hard time getting around. He then indicated that he will be using movers to come pick up the mattress and a few other items from around the city that he had purchased. The scam was he sent me a check greater than the purchase price of the mattress and asked me to send the difference to a separate zelle account " owned '' by his movers. Once I received the check, I deposited on my mobile and the next business day, the balance amount had increased by {$1400.00}. As an average consumer, I took that to mean the check had been cleared and the money was in my account, so therefore, I Zelled the money out as he was asking for. 2 days later, the check bounced, and the {$1400.00} that I thought was in my account had been deducted. 

Only after all of this had happened, I called BofA and I learned that the increased balance does not actually mean that your account has the money, and in fact it takes 7 business days to clear the check. BofA had zero language whatsoever to indicate that the increased balance in your account does not actually mean the money is in your account. That is an incredibly deceiving practice and had there been any sort of communication about this, I would not have been scammed at all. 

To any average consumer, how are you supposed to know that seeing an increased overall balance does not mean the money is yours? Secondarily, this may lead consumers to overspend on their existing balance while the check is still being processed and therefore lead to a fee for the bank when the check bounces? This is truly despicable behavior from Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

SAC Finance or superior auto is breaking the laws. First of all the same loan is listed XXXX. XXXX they repossessed the car I gave it back voluntarily. They came to the XXXX I was at asked me where it was. I told them. They then sold it and never notified me about it which they are supposed to by law. Then took the money and sued me for it. This is illegal in so many ways I was in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX est I'm trying to refi my mortgage. I am filling out the online app for RUOFF mortgage company. Their site uses a third party software called " XXXX XXXX '' that walks me through certain steps. ( sort of like a tax program ). I am nearly finished with the application and notice that my credit report has already been added and is viewable at the bottom of my form. I open the file and see a couple of things on my credit report that I have questions about. Just above my excellent credit score is a phone number to XXXX. I call that number. XXXX. An XXXX woman answers and asks me for my name, phone, address, city, state and zip. She asked me to say AND SPELL all of my information for her recording so she can be sure to keep my information " safe, '' and to send me to the next person to answer my questions. She then thanks me and says that the next person is the manager. She transfers me. He is also XXXX and very hard to understand. He confirms my information and says he's going to read the legal information to me so I know I'm protected and to please NOT interrupt him. He starts talking sooooo fast that I can not understand a word he is saying. He says, it's ok, he's going to send a followup email with this information. I ask when I can ask my questions -he says " in a moment, that because of safety, I need to give you a verification number right after I'm finished and when you say, verify, I'll answer. '' I started getting upset with him and asked him who he was. He did not answer. He said, verify -I wouldn't, so he did and immediately an ad is played where I am asked to purchase vitamins. He comes back on and I say, why would you play me an ad about vitamins when I have questions about my credit. He says because you might like them. I say NO, and ask him who he is working for. He hangs up with a chuckle at the end and says, call this number for your credit questions : XXXX. I did not call that number, I called my credit card company immediately and they had already flagged a charge. I'm very concerned that they have other information about me and not sure where to go next with this important information. My credit card company is going to send an ID theft kit. Also, just a reminder -This number is off of my refinance loan application credit report on Ruoff Mortgage 's application site. XXXX. People need to know this. Ive attached a screenshot. Thank you for any help you might offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this account that does not belong to me and i want it t obe remove from my credit report asap. 

1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report. Upon reviewing my report on XX/XX/XXXX, I noticed that certain accounts contain incomplete and incorrect information. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports. However, the following accounts are reporting incorrect information : Account Name : XXXXXXXX XXXX Closed on XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX Closed on XX/XX/XXXX Account Name : XXXX XXXX Closed on XX/XX/XXXX Account Name : XXXX Closed on XX/XX/XXXX Account Name : XXXX XXXX XXXX Closed on XX/XX/XXXX The specific inaccuracies include : Incorrect open date Incorrect date of last activity Incorrect date of last payment Enclosed are copies of relevant documents supporting my dispute. I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit reporting or other personal consumer reports

Been a customer of Pentagon Federal Credit Union for nearly 10 years, never had a late payment and normally dont carry a balance XXXX any of the XXXX credit cards I have with them. However in XXXX their system processed an ACH payment. The payment was in a pending status when I closed the associated account it was coming from. I was assured all pending payments would be completed first then remaining balance would be transferred out. 

Called in to PenFed on XXXX different occasions and spoke to XXXX different representatives including XXXX supervisors. No one could explain why the payment that reflected as processed showed a {$5.00} underpayment. So I made not XXXX, but XXXX good faith payments prior to any late fees being added. XXXX payments made same day to cover the underpayment they stated ( and amply noted ) was the issue, as well as an additional payment to cover the following months payment to prevent any further issues. 

Yet this organization reported a late payment to the credit bureaus, causing an unwarranted XXXX point loss to my credit scores! This needs to be investigated and removed immediately! 

I do not have access to their system and as a member I responded responsibly and in a timely manner to the issues customer service reps AND supervisors presented to me. If they had no idea what was going on, how in the world could I know? Its ridiculous! They need to remove this late payment from all XXXX credit bureaus immediately as its already adversely affected by business and financial transactions. 

I called and requested removal, and even with ample notation on the account speaking to the issues being internal, not my doing, they still refused. 

As a financial institution they need to be held accountable for - their misinformation, - lack of ability to navigate their own systems- failing properly communicate account activity - failing to properly manage my account info - refusing to provide copies of account notes- failing to remove inaccurately reported info
Product: Credit reporting or other personal consumer reports

I just recently look at my report XX/XX/XXXX. I see some hard inquiries that did not have permissible purpose. 

XXXX. [ XXXX XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681b. 

XXXX. [ XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681b. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681b. 

XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681b.
Product: Mortgage

We signed a contract on a home in XX/XX/XXXX and the seller has two liens on the home XXXX XXXX and suntrust is the second lien. XXXX XXXX has already agreed to the short sell and has approve the extension twice but we have been waiting on suntrust mortgage for one approval 6 months. Suntrust is holding up the mortgage on purpose. We have already received final closing documents and have extended our rate lock 4 time which is costing us lots of money. The seller, lawyers on both sides and our mortgage company XXXX has contacted Suntrust several times to obtain closing approval but they have no explanation or responded. The cost to the consumer ( buyer ) with no explanation as to why the delay is unacceptable and with no excuse as to why. We will obtain another cost to increase on our rate lock again on XX/XX/XXXX which will go up for the 5th time. This is our forever home we have been looking for at least 3 years and we finally go it. Please help expedite this matter. Thank you
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$840.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
XXXX XXXX XXXX XXXX
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 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 XXXXXXXX, US DEPT OF EDUCATION/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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Since the start of my US Bank mortgage in XXXX, it has not been serviced correctly. Each month there have been mistakes in the statements and these continue to be ongoing. I call US Bank on a weekly or monthly basis to remind them of the issues on my account and to open new " tickets. '' There has been no manager accountability or adequate follow up to correct these issues going on for years, despite me speaking to managers in customer service, the escrow department and the tax department. 

-USB incorrectly read county tax information and recorded my XXXX taxes as late, opened an escrow and paid my XXXX taxes in advance. US Bank has recognized they made a mistake in opening the escrow, have received the full refund, but is now charging me fees to close it. 

-there have been several months that the principle is applied incorrectly, causing a late status on my account for the interest portion. I have to frequently request this is updated, and my credit report adjusted. 

These two issues remain unresolved as of XX/XX/XXXX, despite me being told they were being resolved ( multiple times including in XXXX ). I have paid two different escrow amounts in full to close the escrow account, I am now being told a third and different amount needed to close the escrow. US Bank has 1. signed me up for products that I do not need or agreed to 2. charging me for products that I do not need or signed up for. 

US Bank needs to take responsibility for the issues on my account that THEY caused. I have paid my mortgage on time every month since my mortgage started.
Product: Credit reporting

I contacted Transunion directly after sending a mailed request and was told that the information that I have from a Tennessee Circuit Court dismissing this was Not sufficient to remove this from my credit bureau.
Product: Credit reporting or other personal consumer reports

Someone used my social security number to open a Bank of America credit card under my name WITHOUT my permission. I believe this to be identity theft. Also used an address that I have never lived at before. I do not associate with address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX fl XXXX. This is not my address and has never been my address
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 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 15 U.S.C. 1681c-2 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 : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, 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 TransUnion Consumer Solutions 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: Checking or savings account

Filed my 2023 federal and state taxes on XX/XX/XXXX via XXXX. Provided routing/account detail to XXXX for a {$2300.00} refund from the state of Oregon. Unfortunately, XXXX imported my checking account details for the direct deposit refund from the prior year. I changed banks from Chase to XXXX XXXX during 2023 and explained my mistake with Chase personal banking customer service and asked what next steps are to have funds reversed and returned to the State of Oregon. I confirmed with the State of Oregon on XX/XX/XXXX that my the refund for {$2300.00} was sent electronically to Chase on XX/XX/XXXX ( State of Oregon transaction # : XXXX ) and that the funds had not been returned by Chase, per State of Oregon customer support. State of Oregon customer service personnel indicate the refund has not been returned by Chase and online tracking of my refund with the state indicates the following : " Your refund has been deposited in your bank account or your refund check has been cashed. Please verify with your bank that the funds are available for your use. '' Upon contacting Chase customer service multiple times since XX/XX/XXXX, Chase support indicates that no direct deposit has been attempted to be delivered to my closed checking account with Chase for the amount of {$2300.00}. They have directed me back to the State of Oregon to reconcile this issue. 

At this juncture, the matter seems to be an issue of each provider claiming the other is at fault and I would appreciate CFPB 's assistance in reconciliation.