23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Although I paid a correct amount offered in writing by the Collections Co. named AFJ Systems to settle or resolve a dispute on behalf of its Client, AFJ Systems wrongly provided false info to potential creditors that the correct amount wasn't paid
Product: Checking or savings account

Citibank says they are considering closing my 2 accounts. After screwing up my money Citibank, that is your best freaking bet. Do not reopen accounts for any reason and assure that no transactions are permitted ( incoming/outgoing ) moving forward. I requested that there be no transactions on my account last week and the bank continued letting transactions take place with the closed account. No type of transactions should occur, everything should be rejected henceforth. This is my second time requesting this.
Product: Credit card

I am writing to express my dissatisfaction and file a formal complaint regarding unauthorized charges on my Macy 's credit card, which is serviced by Citibank. Despite reporting the fraudulent purchase to their fraud investigation department over six months ago. Macys fraud department decided that I am still responsible for this unauthorized purchase. 

An unauthorized purchase appeared on my credit card statement, and upon noticing it, I immediately reported it to your fraud investigation department. Despite my efforts and persistence, Citibank has failed to provide transparency regarding the nature of this purchase. Additionally, instead of resolving the matter, I have been directed to debt collection. 

It is frustrating that Citibank has concluded that I am responsible for the unauthorized purchase, despite my clear assertion otherwise. I urge Citibank to provide detailed information regarding the disputed transaction and to rectify the situation.
Product: Credit reporting or other personal consumer reports

This morning, I discovered inaccurate accounts on my credit report, and I'm clueless about their origin. When I checked my report as usual, I found unexpected discrepancies. I attempted to refresh my browser, thinking it might be a glitch, but the inaccuracies remained. Therefore, I'm requesting a thorough review of the documents I've provided to ensure this problem is permanently resolved.
Product: Credit reporting or other personal consumer reports

I have submitted a dispute letter to the Credit Bureaus on these following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These items on my report have been over looked on many occasions. XXXX, Equifax, XXXX have all ignored my complaints. Im sending another round of letters as of today XX/XX/XXXX regarding the items on my report Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX Account : XXXX Creditor : XXXX XXXX XXXX, Account : XXXX
Product: Checking or savings account

A caregiver to my father  had her name added to his accounts and now his bank will not allow us to access them. He passed away on XX/XX/XXXX and the caregiver was supposed to pay off the bills he owed and then disperse the rest of the accounts to the XXXX children. She did not report his death to his pension plan and as of XX/XX/year> was still receiving payments to the said accounts. I officially reported and they have now ended the pension but money will need to be paid back from that account in which we, the children, do not have access. His phone has also not been paid off or cancelled.
Product: Credit reporting or other personal consumer reports

I have asked Equifax multiple times to update my credit report to reflect accurate information and they have failed to do so. According to Fair Credit Reporting Act, 611-15 U.S.C. 1681i, page 60, section 5, after any reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete, or can not be verified. The consumer reporting agency shall 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 promptly notify the furniture of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

Reached out to XX/XX/XXXX to try to settle on debts that are listed on credit report, but hey claim they have NO RECORDS of any file with my name on it. They said the same thing when i called them back in XXXX of XXXX. I have tried disputing it but have been unsuccessful. 

All i am asking is for this to be removed from my credit report as soon as possible, especially since they aren't supposed to be placing negative items on consumer reports during covid. 

Thank you.
Product: Debt collection

On XX/XX/18, I went to a XXXX store at XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX, FL. I was there to change my phone plan as they had advertised for months prior they would be covering any carryover costs from another service below {$650.00}. I was transferring from XXXX and realized XXXX would be more cost-effective and wouldn't have service issues in the city. 

After switching from the same number and using my phone for a few months, on XX/XX/18 a notice came in the mail from a XXXX XXXX XXXX inquiring about a debt in the amount of {$280.00}. I saw that this was due to a late XXXX bill so I just left it be. Referring to settlements, I was semi-concerned this could be fraud. I've never possessed any debt. I also knew that I was well within the coverage provided by XXXX 's promotion that they had ongoing when I acquired my new phone. I was not at all concerned nor considering the letter legitimate. 

Two months ago, I was looking over my credit score and was shown I held a derogatory mark on my credit from XXXX. This is now being referred to collections and there's no trail in which I am the at fault party. I attained audio from a XXXX service representative in which she has claimed that XXXX covered this negligent balance. Obviously she is mistaken ( at my expense ) and rightfully, they are the accountable party if they claim it was covered and it was not.
Product: Prepaid card

I was taken to XXXX  and my book bag contained my phone and personal belongings. Unfortunately the cop left it behind the day I was released I called to check my account and all of my funds had been depleted. I called the company who issued the card and reported it stolen. I then went and made a police report, I retrieved from the XXXX office a copy of my proof of XXXX  and a notarized letter from the XXXX XXXX  who came and got me out. By the time I sent my proofs in along with a copy of my ID and ssc. The company had already denied my claim. According to XXXX  act a reasonable investigation shall take place. Yet instead I appealed the decision with all the proofs proving with out a doubt that It was no way I couldve made the purchases. And again I was denied due to like charges at a XXXX XXXX Disregarding the XXXX XXXX purchases totaling {$1000.00} that I have never made before. I sent a demand for payment letter with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting that I owe {$230.00} but that is incorrect. I've received an email from a collection company stating that I allegedly owe {$230.00} Why are the balances different? Who validated this charge? 

According to15 U.S. Code 1681s2 You have a responsibility to furnish complete and accurate information. 

Delete the inaccurate account from my report immediately.
Product: Credit card or prepaid card

The Apple Card managed by Goldman Sachs continues to have issues with the payments process. They charged my account twice without my permission and drafted my checking account for two payments in one day. They refused to reverse the payment after escalating to a manager. They said that sometimes it double charges and it is not their fault.

This is after they did not keep their commitments of zero interest on the headphones I bought. After hours on the phone, no luck. I finally gave up and just paid for it.
Product: Debt collection

I am writing to dispute the following information. Please reinvestigate this matter and contact the nationwide credit bureaus to have it deleted for as soon as possible.
Product: Credit reporting or other personal consumer reports

I AM A LIVING PERSON PLEASE DONT CLOSE OUT MY COMPAINT WITHOUT FULLY INVESTIGATING. I NEED PROOF AND DETAIL INFOMATION OF INVESTIGATION.
Product: Credit card

On XXXX/XXXX/15 I authorized a charge of {$3300.00} to my American Express card to be paid to the merchant XXXX for the cross-country transportation and delivery of a container of household goods. On the contracted delivery date of XXXX/XXXX/15 the merchant failed to deliver the goods due to an error made by one of their employees ; the container was delivered to the wrong location. I contacted AMEX, told them the goods were not delivered, and that I wanted to dispute the charge. AMEX then issued a credit to my account. AMEX apparently also reversed their original payment to XXXX at this time. 
On XXXX/XXXX/15 XXXX delivered the shipment to the correct location. I then contacted AMEX, told them the goods were delivered, and to remove the dispute from my account. However, I noticed in the following days that the charge did not reappear on my AMEX statement. I contacted AMEX multiple times over the following weeks regarding the original dispute. Each time I was assured by a representative that the merchant XXXX had been paid, that the dispute was marked as resolved and closed, and that the charge would appear on my next statement. 
On XXXX/XXXX/15 I received a notice from a collection agency stating that I am responsible for paying their agency {$3300.00} for an unpaid debt to XXXX. I contacted AMEX XXXX/XXXX/15 and spoke to a supervisor. This AMEX employee stated that AMEX never paid XXXX after I removed the dispute -- their error. 
The problem remains : Who should AMEX pay -- PODS or the collection agency, and who will pay the ever-increasing penalties?
Product: Credit reporting or other personal consumer reports

I disputed the dismissed involuntary filed bankruptcy with Experian stating the proper statues. Instead of properly investigating it violated the law and went verifying and not validating the inaccurate information with a third party and not myself or the court clerk.

According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Please note, a third-party furnisher of information, such as XXXX XXXX XXXX, or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third-party source. According to the bankruptcy court ( letter attached ), they do not verify bankruptcies with the credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or deleted the bankruptcy from my record according to FCRA, Section 609 a ( 2 ).

Please provide me with : The courthouse name ; the name of the person who verified the bankruptcy ; the court address ; the court telephone number ; and the documentation used to verify the dispute.
Product: Mortgage

my key bank statement inXX/XX/XXXX, i was billed a past due amount of XXXX. i called the bank asked what it was.They stated after searching for a long period of time it must be a legal fee from years past. they were unsure what it was.I paid the XXXX the bank received the money on XX/XX/XXXX.the bank stated they would take it off and mark as paid. 
i received my may statement the same past due amount of XXXX was on my statement.i called spoke to a manager they stated it would be taken care of. 
I received my XXXX statement the same XXXX was still showing as a past due amount.i called and was promised it was taken care of. 
i received my XXXX statement the same past due amount of XXXX was there this time there was a XXXX for fees and charges. i called bank yet again could not really explain the XXXX dollars some type of monitoring charge i should not have been charged promised yet again that the XXXX and the XXXX would be taken care of. 
i received my XXXX statement it showed that i have a past unpaid amount of XXXX this time when i called i asked for for an audit of my account dating back to XXXX XXXX   of XX/XX/XXXX.i did not see the unpaid amounts on the audit they sent me this has gone on for five months with me calling every month.i have have numerous of other issues with key bank on this mortgage this is just the latest. 
this past XX/XX/XXXX i sent in payment from a different account the bank stated they could not read the account number so did not apply it to my mortgage making that month payment over due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged onto my credit monitoring site and there are a few fraudulent accounts that's on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute is against XXXX and Equifax. 

On, XX/XX/XXXX I took out 2 student loans with XXXX. 
According to Federal code 10 years is how long good credit should be reported on, as long as there are no derogatories or late payments. 

During my loan repayment period, with XXXX, I was never late and certainly no derogatories. 
XXXX reported " Excellent payment History '' on all 3 reporting credit agencies reports of mine. 
XXXX and Equifax both are improperly reporting XXXX. I have even won this dispute with both of them as I did with XXXX and they reported on it properly and have since my first dispute. 

I have contacted both creditors and disputed this repeatedly since XX/XX/XXXX, in preparation for my home loan. 
The reporting agencies have stopped reporting on my " good credit '' the bureau 's even though it is on my credit report and required by federal law to be reported on if it is listed until it is removed, are not utilizing the fact that I have paid on these loans for 240 months. My credit is suffering because they are failing to report properly. On my credit report Equifax and XXXX state : " there are few accounts paid on time '' and " no former loan activity. '' My XXXX student installment loan, under the title, " status '', my student loans are labeled " CLOSED. '' Proper labeling under Federal code says revolving credit should be labelled " CLOSED '' on credit cards or other types of revolving credit but not on installment loans. Proper verbage for installment loans under " status '' when paid in full and closed, ( like my loans ) should read, " paid in full '' or simply " paid ''. 
The improper reporting is causing conflicts with my loan since they have the wrong label it looks as if I can still use the account but it's closed and/or the loan is not paid in full. 

I have begged, cried and pleaded, sent proper information, spoke to managers and supervisors, called the XXXX XXXX XXXX to no avail. 
As per the bureaus inaccurate reporting, " few accounts paid on time, " no loan activity '' and, " high credit usage '' my credit and myself are greatly suffering. 

I'm terrified, I'm not going to get a home. The bureaus lack of action has cost me tons of money a higher interest rate a lot of stress no sleep and I suffer from XXXX XXXX so I'm very sick from this whole situation I'm on XXXX and I don't have a lot of money I don't know what to do anymore I've worked so hard to make sure my credit is in good standing and for something as small as verbage to be ruining it is very disheartening. 
The " open account '' as the bureaus are listing my accounts are effect my DTI. 

I am in the mist of a student loan I've already had to do this once because of this wrongful reporting and now, at a lower credit score and in result of that a lower interest rate ... the lender are going to run my credit again. 

Anything you can do to help me would greatly appreciated. 
Time is of the utmost importance. 

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

In XX/XX/XXXX, XXXX  accepted an unvalidated debt from a company called New Rez-Shellpoint Mtg. The debt was discharged in my chapter XXXX bankruptcy in XX/XX/XXXX. After a dispute I filed in XX/XX/XXXX, XXXX  removed it from my credit report. 60 days later in XX/XX/XXXX, New Rez-Shellpoint reported it to all three credit agencies again. XXXX  and XXXX  removed it immediately due to past investigation. For a second time, XXXX allowed it. I disputed it again. XXXX  just concluded that investigation. They did not remove it this time and did not provide me with a reason. This has caused me severe problems with my credit. I have a nearly perfect score with 2/3 of the credit agencies. I can't understand why XXXX  has reinserted a unvalidated deb that was removed 60 days before. I work for a XXXX, and this issue may effect my continued employment. The mortgage company will not answer my inquiries. Both companies have my discharge on record with specifics on debts that were included. The debt in question is highlighted in the judgement over 10 years ago I will add. Can you please help me
Product: Credit reporting 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 : DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

This is an ongoing problem with Equifax for the past 30 days. Equifax has MIXED UP my brother 's information with mine. I have already contacted Equifax multiple times and they insisted the problem was fixed. They have mailed me a copy of my credit report 3 weeks ago. Although the information on that report was correct, I still see my brother 's information on my Equifax online account. 

I used my login credential to place a security freeze on my Equifax credit report online today. However, the confirmation letter has my brother 's name/address on it instead of mine. This means that Equifax still hasn't fixed all the errors completely. Please refer to the attachment.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have noticed some fraudulent accounts and unauthorized inquires on my credit report. 

Accounts XXXX. XXXX XXXX {$150.00} XXXX. XXXX XXXX {$520.00} Inquiries XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I sent my initial request to investigate accounts and personal information reported on my credit. I also have sent a follow up letter on XX/XX/2021 and again yesterday. I still have no response and or updates on any of the accounts being disputed. Please help me get these companies to report ONLY accurate and verified information on my credit report.
Product: Checking or savings account

my name is XXXX XXXX and i was scammed by a fake loan website. This person called me and acted like he was from lending tree and he had all my information. he even called my bank and acted like me and filed many claims to my account he also had my bank reverse multiple car payments back onto my bank account. he told me the money that was in my bank account was sent from the loan company and in order to be accepted for the loan i have to send them back gift cards for XXXX  dollars so they can prove that i was who i said i was. They said the money they sent to my account was from them and they needed me to send it back to them. My bank is not doing anything to help. I need my money back i need to pay my car payments back and i am really stressed about this. I have emails and text messages from the person who scammed me. I can send you whatever you need. Please help me get my money back and find out who did this to me.
Product: Credit card or prepaid card

I had a recurring subscription for XXXX that was scheduled to renew on XX/XX/XXXX at the price of {$17.00} but the subscription was cancelled on XX/XX/XXXX and the credit card should not have been charged. However, XXXX charged my card anyway one day before it was set to renew automatically. XXXX was contacted and said they would refund the payment but the refund was not issued. I filed a dispute with Capitalone but have not received a response. 

I expect to see a refund of the {$17.00} that was charged to my Capitalone Mastercard ending in XXXX on XX/XX/2021. I am attaching the cancellation confirmation received from the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported me as being late for account number XXXX**** for several months when I was advised that I would not be reported late. I had a death in the family and keep XXXX XXXX  up to date with everything. They told me that they would remove these late payments but they haven't.
Product: Mortgage

I have been working with the NewRez LLC for over 4 months now. I paid for an appraisal and it was accepted. Its been a few months since completion of appraisal. The company had given me conditional approval of the loan before they claimed to have experienced glitches in their software before asking me to resend most of my information to them again. I am not in a stage where no one is answering my emails or call, and no clear estimate of completion has been communicated to me.
Product: Credit reporting

Credit score for Transunion has changed by almost XXXX pointsd and I have paid all accounts on time with no closing of any accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 15 hard inquires on my TransUnion that I didn't apply for.I need these removed A.S.A.P
Product: Credit card or prepaid card

I'm a loyalty Chase and XXXX XXXX customers. But these two banks close all my credit cards accounts recently. 

Chase : They close all my credit card account and claim I have too many additional card holders for my XXXX credit cards. After they told me, I have close all my additional card accounts. But they still decide to close all my Chase credit card account ... It's not fair. 

XXXX XXXX : Last month, they start a Financial Review on my account and I have follow the step to file my tax return to them, but they still close all my accounts. I have no idea why they decide to do so. 

P.s : All my Chase and XXXX credit cards have no balance due and I always pay the bill on time.