23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX-Balance : {$500.00} ( Original Creditor : Medical ) XXXX-Balance : {$170.00} ( Original Creditor : Medical ) XXXX-Balance : {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and I noticed mutiple inaccurate items.
Product: Mortgage

I applied for assistance to bring account current we were approved paid XXXX they are asking for higher payments to start XXXX I can't afford more than {$1000.00}. I've asked why? When escrows are evaluated payments began in XXXX XXXX  XXXX XXXX 2024 I requested changes in writing none provided only phone calls attempting to intimidate scare me I am XXXX XXXX XXXX not well nervous after a DISASTER HURRICANE AFFECTED us Carrington damaged our credit making refinancing with other impossible
Product: Credit card or prepaid card

On XX/XX/2018 I purchased a mattress from the local JC Penney store. Along with the mattress I purchased a foundation ( which the sales person said I needed ) and paid the {$25.00} fee for the delivery person to haul off our old mattress. I paid for everything with my JC Penney card. 

After going home & looking at our bed I realized we did not need the foundation. When the delivery company, XXXX XXXX XXXX, called to schedule the delivery I asked if we could refuse delivery on the foundation & the company representative assured me that would be fine. 

XXXX, XXXX brought the mattress the morning of XX/XX/2018. A man named XXXX XXXX signed the delivery receipt. On it, he made note that we accepted the mattress but did not make a note about us refusing the foundation. He did circle the ID # for the mattress and wrote Accepted Mattress. The handwriting is difficult to read but the word accepted is readable. My husband signed the receipt accepting the mattress. We were assured by Mr. XXXX that refusing the foundation was fine, and that our money would be refunded. 

In XX/XX/XXXX I received a statement from Penneys, which included the cost of the foundation, {$130.00}. I paid the cost of the mattress, {$1400.00}, in full. However, I filled a dispute with the company re : the cost of the foundation, which we did not accept. I called Penneys customer service line to do this and was assured it would not be a problem. I was told this happens all the time because the delivery person fails to notify anyone of the refusal. He said the foundation was probably sitting in a warehouse somewhere & just needs to be tracked down. 

In the last correspondence I received dated XX/XX/18, I was told my complaint had been denied and was informed that this incident would be reported to the credit bureau 's listed in the letter if I did not pay the bill. 

I will attach all correspondence between Synchrony Bank & me  regarding this matter. Synchrony Bank handles all the credit card accounts for JC Penney. 

XXXX, XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to access my membership in their site, unable to get my free credit report and unable to process disputes and accounts that are wrong conveniently. Never had a breach so no reason for this. I cant sit on a phone hours and hours to access my information.
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. 


Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Student loan

I have been enrolled back at XXXX XXXX University in the XX/XX/XXXX. Recently, i have been harassed by Mohela for the last month. I have faxed in paperwork providing them with everything they needed. And yet I am still getting phone calls for payments. Furthermore, Mohela is now reporting to the credit bureaus that I am late. At this point, XXXX needs to get their act together to avoid me taking further action. I have been enrolled the entire time and my deferment should be valid with my planned graduation date being the XX/XX/XXXX.
Product: Credit card or prepaid card

I have complaint against citibank credit card.I have been levied annual fees in my statement. On approaching them, they said that my usage was less in the year so they have charged. I informed them that I am not interested in the card and would not be paying such annual fees. They blocked my card and now they are sending me bill with annual fees and interest thereon. I have not even used any credit points nor I have delayed any of their payment since the year I opted for the card. 
Name : XXXX XXXX. 
Mobile No. : XXXX. 
Email Id : XXXX.
Product: Credit reporting or other personal consumer reports

The credit bureaus has not deleted the fraud off my credit report Ive sent them. I need help with resolving this fraud with XXXX, Equifax and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

this is the follow up of my complaint... I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 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 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 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 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 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 XXXX XXXX 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: Debt collection

once i called and the woman on the phone threatened me and asked very personal and invasive questions. 
then i received a letter with threatening language saying : it is our intention to settle this debt amicably, the choice is yours.
Product: Debt collection

I was summoned for a debt. but, no communication or debt validation letter was sent by zwicker & associates pc
Product: Credit card

I applied for a credit card and was accepted from usaa. they sent me a welcomepack and I recived a bill shortly after. I do all my banking online so I tried to pay the bill right away. they told me I could not hat they needed more information so I sent them morewas told that was good and I should get a reply within 2 to 3 business days never did get a reply so I contacted them again. they told me they needed more info so I sent them more and they told me that they would get back to me in 2 to 3 business days they never did. I got another bill in the mail plus emails on my computer called them up and they told me the last info I sent them was n't right so I explained what I sent them and was told that it would work and they would get back a hold of me in 2 to 3 business days and that I would be able to pay the bill at that time i waited to here back from them never did and contacted them again. they told me the info was not good enough and I had to send more information. I at this point told them to forget it and take me out of there system.they toldme okay and I would recive conformation in two to 3 buissness day in I never did after numorous calls and complaints I am still in there system they turned this into the credit agency during this whole process and it shows as a unpaid bill it has lowerd my credit score enough that ino longer qualify for the home loan i was getting I had a XXXX before all this its now down to a XXXX I needed a XXXX and every thing was fine. so I am stuck staying at a friends house because of a card that I never seen had or used and being forced into getting checks to pay them for something I do n't have they said the only way I can pay for this bill for a card I do n't have and never had is to get checks and mail it to them I am totally frustaited with this hole thing
Product: Credit card or prepaid card

i was at homedepot in XXXX ca trying to use my commercial account with homedepot for a purchase of giftcards for a project my company was handling the head cashier called fraud departrment alerted them i was purchasing giftcards and the fraud department called every person listed on the corperation hey did u know that XXXX XXXX is purchasing giftcards every member of our company verified it so then fraud department told head cashier we couldny purchase giftcards with commercial acct no problem i will do purchase order over phone fraud department got mad and put block on account after i made purchases ... .. a week later then they are saying purchases need to be verified no problem lets verify them well we left a reference code on a phone number ok well we no longer have those numbers ok well the only way this can be verified is threw a number thats listed to company thats what i was told from fraud department consumer protection so then i said well when we opened acct those are numbers that where provided and they werent associated with company only members of company well sir we left messages with a reference number for this matter well what number did u do that with cause u said my company phone number are not verifiable to company so u can leave a message with reference number to this matter on those phones but u cant verify phone numbers that were givin when acct was opened i said im not understanding was also told that a letter was sent out which was all lies what going on here is that we have a closed account with citi bank XXXX XXXX and it has a balance and they are punishing us for non payment of said account it has nothing to do with purchases on homedepot account we have had this account for going on 2 years plus if there was fraud it would came up a long time ago and also i feel that there is discrimination going on here because im XXXX XXXX and that was a high fraud area from XXXX XXXX is what i was told but they wont unblock account no matter what we do ... ... ... ... ... this has been going on for 3 months also i have made several payments on acct
Product: Credit card or prepaid card

I have an account at Citizens bank. My XXXX  XXXX  daughter was having marital problems. She had worked for many years and all money was joint with her husband. She wanted some financial independence. I added her to my account with a checking account in her name. Like all checking accounts I have, I told the bank that I did not want overdraft protection, meaning if the money is not in the account, don't pay out any debts. She was fine up to last week. She became involves with someone on line, there was some type of fraud and mine and her accounts were closed and about XXXX XXXX XXXX dollars was taken from my account. I found out about this last Friday XXXX XXXX at XXXX and that I had an appointment at the bank at XXXX. I withdrew any remaining money in my account. I have trouble communicating with my XXXX XXXX daughter. Monday XX/XX/XXXX, I went to make a police report and she refused to come saying I was jumping to conclusions. She did give me information about her friend which I gave to the police. 
I looked at her checking statement and was overwelhed with numerous transactions I do not understand. I asked the bank rep how can a person who has a daily average balance of XXXX XXXX and XXXX dollar lose XXXX XXXX. What if it was XXXX or a XXXX
Product: Debt collection

Hunter Warfield, a collection agency out of XXXX has been trying to collect a debt and been threatening my credit rating. I just learned today that they have reported me as deceased to XXXX even though they called me again today. I have started the dispute process with XXXX and also contacted Hunter Warfield and spoke with XXXX XXXX who assured me that they did not report me deceased. I have paperwork coming from XXXX to confirm the report. What can be done about this?
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/2024.
Product: Payday loan, title loan, or personal loan

We have been banking with Bank of America for 20+ years. Originally the business was a sole proprietorship. In XXXX the company changed status to LLC. Apparently at that time, the tax number on the account should have been changed from a SSC # to a TIN/EIN #. This was never brought to the owners attention. Over the course of the next ten years the owner opened several lines of credit with Bank of America attached to this account. Still no request was made to change the numbers associated with the account for tax purposes. When the pandemic struck the company applied for the PPP loan through Bank of America. Both the Bank of America and the Small Business Association allowed the business to apply with this social security number. Now that we are attempting to apply for the second round of PPP funding the SBA refuses to except our application because the Bank of America refuses to permit us to apply with our TIN/EIN, the number the SBA now requires to apply with because we have more than one employee. It took Bank of America almost a whole month to even bring this to our attention. We immediately began to attempt to fix this. We were subjected to extremely long hold times, literally hours on hold. When we finally reached someone ( usually we would just be transferred ) we would find ourselves speaking to someone who didnt know what was going on. Finally we reached someone in their PPP department who suggested we re-apply, using the same numbers as before, with a note attached to our supporting documents with instructions to swap the SSC for the TIN/EIN. We did as instructed. We also applied with another lender at that time for the PPP loan. The other lender found the same issue, that since the BoA had used the SSC # the first time, the second draw could only use the SSC #, according to the SBA. We were informed that we could have Bank of America contact XXXX and then the loan would go through successfully. We requested the bank do this last week ( XX/XX/XXXX ) in person at the branch in addition to opening a new account with which they could use to apply through them to the SBA for the PPP. The bank did not adjust the XXXX number as they said they would. After this ( XX/XX/XXXX ) the BoA declined the loan because the SBA instructed them to because the application used a social security number, not a TIN. Even though we had followed the instructions the loan was not corrected. Now, since the loan has been declined by the SBA BOA says they can not apply for another loan for us. We could use the other lender, but only bank of America can adjust the XXXX, and since, for whatever reason, they cant get this done, we cant apply with this other bank. Our hands are tied by BoAs inability to follow proper procedures and their incompetence. We are hoping to receive some assistance with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against EXPERIAN. This is regarding the XXXX ACCOUNT ref # XXXX. This account was disputed to Experian on two occasions. This items has been been disputed to other bureaus and was already removed by Experian. It was re-inserted on my credit report without notifying me. I did not receive any notification in any form. Aside from that, this account is being reported with incorrect balance, status and inaccurate payment history which violated FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the Fair Credit Reporting Act ( FCRA ), codified under U.S. Code 1681 et seq., I have identified an inaccurate medical account that has been reported by transunion The inaccurate information includes incorrect dates, amounts, and other details that are not reflective of my actual medical history. This inaccurate reporting has had severe repercussions on my credit score and has hindered my ability to obtain financing and pursue my entrepreneurial aspirations.

Under the FCRA, creditors and credit reporting agencies are required to report accurate and verifiable information. The inaccurate medical account has violated my rights under the FCRA, causing significant harm to my creditworthiness and financial prospects.

Additionally, as per the Fair Debt Collection Practices Act ( FDCPA ), codified under U.S. Code 1692 et seq., I am entitled to protection against unfair and abusive debt collection practices. The inaccurate medical account has been reported by [ Name of Collection Agency ], and their actions have resulted in the violation of my rights under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
I have no knowledge of these inquires/Collections of my credit report. Please DELETE ASAP!!! 

***HARD INQUIRIES*** 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: Debt collection

In XX/XX/XXXX I pulled my credit file and found that LVNV Funding was reporting I had a collection account with them from XXXX  XXXX XXXX. They reported the account was opened in XXXX and the amount due was over XXXX. I sent LVNV a dispute letter on XX/XX/XXXX asking them to validate this debt, I also requested contact only via mail and to not contact my home or place of employment by phone. 
I receive the attached response from Resurgent/LVNV stating that they went to court and receive a judgment against me. I dispute the validity of the document for multiple reasons I never received any type of notice/ documentation that I was being taken to court When I went to XXXX county records department and searched for the cause number no records were found and the cause number was invalid I requested a national court document search to locate the official paperwork and again the cause number was invalid and nothing was located via the Pacer data base. 
The document sent to me by Resurgent looks to be possibly made in house, It has no identification markers that are typically found on official court documents issued by the courts. 

I have attached all documents for your review
Product: Credit card or prepaid card

XXXX claims that they have refunded me and Bank of America claims they do not see the refund. Both companies blame the other and I as a consumer am left with nothing. 

On XXXX XXXX I paid {$570.00} to XXXX for XXXX XXXX Lover Fest tickets for an XX/XX/XXXX concert. 

Due to the Covid-19 Pandemic the concert was postponed. 

My order # was XXXX XXXX XX/XX/XXXX the concert was canceled by XXXX XXXX and XXXX emailed to say that they were processing refunds to all ticket purchasers. 

On XX/XX/XXXX I received an email from XXXX notifying me that on XX/XX/XXXX my Bank of America Visa card had been refunded {$570.00}. 

On XX/XX/XXXX I contacted XXXX again and was again told in an email that a refund was send on XX/XX/XXXX. 

As of today, XX/XX/XXXX there is NO refund. My bank refuses to dispute this transaction because the purchase date was in XX/XX/XXXX and shows NO record of a refund being sent EVER from XXXX and XXXX says they refunded it and it's not their issue. 

I have had {$570.00} stolen from me because XXXX DID NOT refund this. 

My bank advised for me to contact you.
Product: Checking or savings account

My Optum HSA accountXXXX has closed since XXXX, XXXX. I made several attempts for Optum bank to issue me {$500.00} refund check for the credit balance. The bank refuse to give me any tracking number or expedite my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started an investigation or complaint with the bureaus. XXXX  XXXX is reporting errors on my credit. They filed my complaint. XXXX  XXXX responded with further inaccurate information. They have increased my balance changed although I do not have any way of adding debt because I do not have an account. Increased my payment history. They changed my account opening date and account status to open. I do not have an account open with this creditor. I have no history of transactions to report. My initial request was to verify the information because it is not consistent with XXXX, XXXX or Experian. My job and credit are related. I could face termination for this company reporting inaccurate information. Please resolve by deleting all XXXX XXXX accounts from my credit. They are fraudulent and harmful to me as a consumer.