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

I noticed on my statement charges from a store called XXXX XXXX. I did not make these charges and disputed them with Discover whom I have been a great customer with them. Discover denied my claim because The card was not stolen for good. However the card was stolen to be used by someone and then placed back in my belongings. I can not tell you who stole my card and used it because I work for XXXX XXXX  and work with XXXX XXXX XXXX and XXXX. I am a XXXX and XXXX XXXX XXXX as well as in XXXX XXXX XXXX XXXX and then XXXX XXXX. It is a really high pace agency and Many people going in and out. We also do not have cameras set up in every room. I honestly do not know who my card was taken and used but I know that I did not make these charges. I do very well to keep my credit in good standing and make my payments. I pay for what I use. Discover said I was lying and denied any help. I can not release my Clients name nor can I accuse any of them. I have to learn not to be so trusting but we are trying to help rebuild these children. I have now since changed my way of bringing my personal property into agency but I would like to think they company I trust to have credit with would back up what they say they stand for before you sign the credit agreement. I would hope they would trust me and have my back especially since I feel I am a good customer. I would like for these charges for XXXX XXXX to be removed so I Can pay off the balance. My home was destroyed in Hurricane Florence and I have a lot of rebuilding to do and financially I am hurting and do not have money to just throw away. I can not stay with a company that will not have my back and I can not sit back and keep quiet about the lack of compassion or help. I do not want to have to close my card but I will and take my money somewhere else.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX , XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX XXXX XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX XXXX, XXXX TX XXXX Address - Apartment complex This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX XXXX, XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score see attachments of the fcra violations
Product: Prepaid card

I contacted american express at XXXX regarding XXXX gift cards that I received. I have tried to use them at XXXX XXXX to pay a bill and I tried to use it at XXXX which is the service my XXXX XXXX XXXX uses to manage XXXX lunch accounts. The card was declined at both merchants. When I called I was told it was declined because the expiration date was incorrect and I pushed back explaining that I had in fact put in the expiration date correctly. Then the supervisor said maybe the merchant doesn't accept the card and then the supervisor asked if I could use it at a different merchant and I explained that I could not, that I needed to use it a this merchant. 

There is nothing on amex gift card website that informs consumers about not being able to use the card at different merchants. There is nothing that the customer service department does that helps rectify the problem. The consumer is only left to use it at select merchants where the transaction attempted may or may not work.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unresolved accounts on my credit report with XXXX, TransUnion, and XXXX. Despite my efforts to resolve these issues, the accounts remain inaccurately reported, and investigations have not been properly conducted. 

On multiple occasions, I contacted the companies associated with these accounts to verify their status. Each company confirmed that the accounts were paid in full and, in some cases, agreed to remove the accounts from my credit report as per their policies. However, despite submitting proof of payment and corresponding directly with these companies, the accounts remain on my credit report, and the bureaus have failed to update or remove them. 

# # # Specific Concerns : XXXX. **XXXX Investigation Issue : ** XXXX completed its investigation in less than 24 hours, claiming the accounts were verified, despite the fact that I contacted each creditor directly, and none reported receiving verification requests from XXXX. 
- I request that these accounts be reviewed again and removed as they were not properly verified. 

XXXX. XXXX XXXX XXXX XXXX : ** - I contacted XXXX XXXX on XX/XX/XXXX, regarding an account falsely reported as having a co-signer and an outstanding balance. 
- XXXX XXXX confirmed the account was fully paid off in XXXX or XXXX. Despite assurances from a supervisor that the account would be removed, the letter I received only stated the account was paid off, with no indication of removal. 
- This account is negatively impacting my ability to secure loans, and I ask that it be deleted from my report. 

XXXX. **Other Paid Accounts : ** The following accounts were paid in full, with payment confirmations provided, yet they remain inaccurately reported : - **XXXX XXXX XXXX XXXX XXXX, {$51.00}, paid XX/XX/XXXX ) - **XXXX XXXX XXXX** ( {$500.00} XXXX paid XX/XX/XXXX, Confirmation # XXXX ) - **XXXX XXXX XXXX* ( XXXX  XXXX, {$480.00}, paid XX/XX/XXXX ) - **XXXX** ( {$150.00}, paid XX/XX/XXXX ) - **XXXX XXXX XXXX** ( {$1400.00}, paid XX/XX/XXXX ) - **XXXX  XXXX XXXX {$4700.00} balance, {$2500.00} paid XX/XX/XXXX ) - XXXX XXXX XXXX** ( {$260.00}, paid XX/XX/XXXX ) - XXXX XXXX accounts, paid XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This incorrect address is showing up on my credit report. 

XXXX XXXX XXXX XXXX, FL XXXX
Product: Mortgage

I am reporting a Regulation X dual tracking violation. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. 
The mortgage is represented by XXXX XXXX XXXX ; the account # XXXX and managed by Select Portfolio Servicing ( SPS ). A loan modification was initiated in XX/XX/XXXX. 

SPS took so long with Loan Modification that instead it was decided that the property be sold. In XX/XX/XXXX I listed the property for sale and after several contracts my realtor was able to find an all cash buyer. 

SPS ordered the 1st appraisal they have been holding up the file for so long that SPS had to obtain another appraisal. I learned that the property diminished over {$200000.00} while SPS was " reviewing my file. 

Meantime while I am working on selling the property for close to the appraised value SPS files for foreclosure with the house to be sold a Sheriff Sale XX/XX/XXXX. 

I have an all cash buyer and every document requested has been submitted by me and my Realtor. 

Selling the property is important to me and my family as the Short Sale will have less of an impact. 

Since XX/XX/XXXX SPS has had all documents requested. For the month of XX/XX/XXXX they had my Realtor change things back and forth on the HUD-1 then only to have her change things back to the way it was prepared XX/XX/XXXX! It is Now XX/XX/XXXX and they are still creating what I feel is a false delay using changes to the HUD-1 to hold up the Approval so the property can be sold instead of lost to Foreclosure Sheriff Sale in XX/XX/XXXX. 

SPS should not be moving to Sheriff Sale while we are working on the Short Sale closing date. I wrote to the State of NJ Foreclosure division but was told there was nothing that could be done. 

Please advise.
Product: Credit reporting or other personal consumer reports

I've attached the proper information showing that this company, Chase has fraudulently and falsely reported dates on all three of my credit profiles. The attachment 's shows the minimum due, which was paid as promised monthly of {$37.00}. Chase has reported to XXXX, XXXX, and XXXX that I was late for these 4 consecutive months. All attachments show that the statement balance changed each month, meaning the payments were being processed.
Product: Credit reporting or other personal consumer reports

I have been trying for three years for experian to correct an error on my credit report which is causing my credit score to be lowered with them by over XXXX points. When I order my free credit repor from experian, it shows that I have one ( 1 ) potentially negative credit account that is adversely effecting my credit score yet the report shows that all of my accounts have a positive account activity history. The error stems from an account which I co-signed on an auto lease for my step-son through XXXX XXXX XXXX XXXX. After about a month of my step-son driving the truck, the truck was totalled. The trucked was paid off via our insurance company and this information was reported to XXXX, Experian, and XXXX. All three credit reporting agencies updated their reports to show as a " Paid. Closed/Never Late '' status however, either someone at Experian did not close the account correctly or their algorithm is someone reporting this as a " Potentially Negative Account '' which is greatly impacting ( XXXX points ) my credit score. Over the last three years, I have contacted Experian multiple times regarding this yet no one seems to care about resolving this. When I contact the dispute department all they say is that all of my accounts show a positive history and they are not sure why my report shows a " Potentially Negative Account. '' When I ask them what that part of my report is linked to, no one can give me an answer. Again, this only happening with Experian. It is either a human error on their end related to how they improperly closed out the XXXX XXXX Account that had the lease or their is a problem with their alogrithm that no one is bothering to address. Being that I have tried to resovle this for the last three years on my own, I kindly ask that your office assists with the resolution. My most recent dispute of XX/XX/XXXX is under dispute/report XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had to freeze my account with XXXX on XXXX occasions in which I never unfroze my account Now it is reporting hard inquiries that were removed I never unfroze my account
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing a CFPB complaint against Transunion for ignoring the request for the method of verification I have received Transunions computer-generated response stating that Transunion they did not send the method of verification because in Transunions opinion, they believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on Transunions part to not send the method of verification, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2020 by certified mail that I questioned the accuracy of a few items on my credit reports. You were advised by me on XX/XX/2020 by certified mail that I wanted the method of verification. Those requests was written by me and mailed by menot a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Additionally there is no law that states a consumer can not use a third party, so using that as your excuse is a moot point. As a matter of fact, Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so outrageous. 

I reserve the right to sue your credit bureau for violations of the FCRA and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. 

Please take notice that this complaint was filed on XX/XX/2020 and is formal notice to you that I am requesting that you continue forward with my original request and send the method of verification The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Also I therefore legally and lawfully refuse your form letter. I am outraged at your accusation and I have fully researched my rights in regard to my credit file. I look forward to your expediting my original request immediately. 

The next step for me after this is to file a law suit for violation of the FCRA
Product: Credit card

After having a checking account with TD Bank for several years, I opened a credit card in XXXX of XXXX. I received the credit card ending in the mail in XX/XX/2023. 

Using the mobile banking app, I added identified myself as an " authorized user '' on the credit card account in XX/XX/2023. Without my knowledge, this triggered the bank to issue a second credit card, which was sent to my address without notification. Because I was not expecting a second card, I threw the envelope away, and it was stolen. I do not know the full number of the stolen card. 

Throughout XX/XX/2023, this second credit card ending in was used in a series of unauthorized purchases for a total amount of {$3500.00}. 

I continued making payments on my card and only became aware of the unauthorized charges in late XXXX after realizing that my balance was significantly higher than expected. On my banking site & app, there is no way to distinguish purchases by the card that was used. I saw the fraudulent card when I downloaded PDF statement. I initiated a fraud investigation with TD Bank on XX/XX/XXXX. 
At the time, TD Bank informed me that the investigation could take up to two billing cycles. Instead, the investigation was complete in only two weeks, and I received a rebill on XX/XX/XXXX. The rebill identified a combination of charges on both credit cards as fraudulent, despite the fact that all charges on the first card were authorized. 

I contacted TD Bank Customer Service but was informed that they did not have sufficient information to answer my questions. Customer Service escalated my questions to the Investigations Team and told me they would call within 5 days. 

Since then, I have called Customer Service weekly and have sent a fax to the Investigations Team to provide them with more information, but I did not receive any form of communication from the Investigations Team for over three weeks. The Customer Support team then filed a complaint with the chairman of the board on XX/XX/XXXX. 

On XX/XX/XXXX, I received a call from the chairman of the board 's team. I was informed that the decision ( the rebill ) stands, and I am responsible for paying all charges to my account, from both cards. 

On XX/XX/XXXX, I received a call from the Investigations agent, who informed me that she was not even aware that there were two cards associated with the account. The agent informed me that I should have been directed to the Credit Card Team to begin with. 

Late fees continue to accumulate on my credit account, but as of today, I have already paid {$4000.00}. During the month of XXXX, I was only responsible for {$810.00} in authorized charges made using the first credit card. I have therefore paid almost {$3500.00} toward unauthorized charges made using the second card. On XX/XX/XXXX, I received my first call from Collections at TD Bank.
Product: Credit reporting

Credit bureau is in direct violation of FDCPA and FCRA, not properly validating negative accounts.
Product: Credit reporting or other personal consumer reports

MIDLANDCRE XXXX Dear Midland Credit Management XXXX This is not a dispute but a formal request for validation of the above-referenced account. Under the Fair Credit Reporting Act ( FCRA ) and related legal precedents, I am requesting complete validation of the following details for this account : Date of First Delinquency : Provide the documentation supporting the date the account first became delinquent. 
Date of Charge-Off : Include the exact date the account was charged off and provide evidence of this status.

Date of Last Payment : Specify the date and amount of the last payment made on this account.

Additionally, I request the following actions in compliance with the FCRA and consumer rights : Cease Communications : Under 15 U.S.C. 1692c ( c ), I request that all communications regarding this account cease immediately.

Cease Reporting : Do not report this account to any consumer reporting agencies until full validation is provided. 
Case Law References : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) : Clarifies the obligations of debt collectors in ensuring accurate reporting and account validation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Establishes the creditor 's responsibility to substantiate claims with clear documentation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Highlights the need for furnishers to ensure the accuracy of their reported information. 
Please respond within 30 days of receipt with the requested documentation
Product: Credit reporting or other personal consumer reports

I appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$1100.00}.
Product: Credit reporting or other personal consumer reports

There are 7 plus hard inquires on my credit report that I never authorized and it fraud. I reached out to the companies and told them its fraud and j never authorized these inquiries but they wouldnt do anything to remove it. I want them removed asap. 

Syncb/hsn inquiry date XX/XX/XXXX XXXX XXXX na inquiry date XX/XX/XXXX XXXX XXXX na inquiry date XX/XX/XXXX Td retail card service inquiry date XXXX XXXX Cap one na inquiry date XX/XX/XXXX XXXX XXXX na inquiry date XX/XX/XXXX XXXX card inquiry date XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Paypal Closed My Account For No Reason and will not help with getting it back up and going. i am not sure if this is a mistake as i assume it has to be. i have not been able to get help from them, i just understand i could file a report on here as i find they are not doing their job properly and it is effecting me great deal as i used paypal quite frequently my email linked to my paypal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the courts told me they don't do any business with any credit agency
Product: Debt collection

On XX/XX/XXXX I was served with a citation from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating I have been sued. The plaintiff is Midland Credit Management LLC. Yes I had a Midland credit card my credit card limit was {$500.00}. I stopped making payments XXXX or XX/XX/XXXX granted we were in the last few months of the pandemic and unemployment had stopped. I was fighting XXXX XXXX and nearly to sick to go back to work. I was dealing with XXXX out of my control circumstances the pandemic and XXXX XXXX. I stopped making payments XXXX or XX/XX/XXXX and Im just hearing back from their attorney with a lawsuit. I never received any letters, bills, mail or any paperwork prior to the suit. I was never given an opportunity to rectify this matter prior to being served with a lawsuit.
Product: Mortgage

My mortgage was purchased by Shellpoint Mortgage Servicing in XXXX XXXX. At that point an " Escrow Analysis '' was done on my property, showing an Escrow Shortage of {$630.00}. The Escrow analysis stated that my payments, once the shortage was paid in full, would be {$1200.00}. Along with our mortgage payment, We sent Shellpoint XXXX separate checks from XXXX XXXX to XXXX XXXX in the amount of {$100.00}, to pay the escrow shortage. The checks were clearly marked in the memo as payment for escrow shortage, further identified on the payment voucher in the line item " extra escrow payment ''. 
Shellpoint did not apply the separate checks to Escrow shortage, instead misappropriating the funds to principal. Shellpoint is now requesting an additional {$400.00}. to " clear up the Escrow shortage '', and currently reporting to the credit bureau that we are 2 months late on our mortgage. 
We have paid our mortgage, and our shortage, and are now being subjected to false credit reporting because of inappropriate accounting practices. I have been denied prime lending rates on XXXX loans because of this false reporting. I am also receiving daily phone calls from the company attempting to collect a " debt '' owed to them. Acting upon advice from legal consul, I have sent Shellpoint a " Qualified Written Request, Billing Error Notice '' to dispute the claims. This letter was sent, Certified Mail through USPS, on XXXX/XXXX/XXXX.
Product: Credit reporting

My name is XXXX XXXX. Equifax is showing my name as XXXX XXXX with a address in XXXX Ohio. Also there is XXXX credit cards that are on my credit that are my sister in laws XXXX XXXX. I 'm XXXX XXXX dob : XX/XX/XXXX. I would like for her name, address, and both credit cards to come off my credit report. This is ridiculous and I have tried to get it off through equifax but they did not do anything for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Equifax that I am 66 years age and have had credit most of my life. I have purchased 5 houses and I have banked at the XXXX XXXX XXXXXXXX for 26 years. None of this information is reported on my credit report. All of my accounts are reporting 10 years or less. I have been paying more interest for credit and I have been denied credit cards and my credit card offers are reduced because of my short credit file history. What can you do to help?
Product: Credit reporting, credit repair services, or other personal consumer reports

Illegal eviction. XXXX and bank of America account freeze
Product: Credit reporting or other personal consumer reports

I recently tried to acquire a place to rent and was advised by XXXX, XXXX that I had an outstanding balance and/or judgment for rent with company : XXXX XXXX  XXXX , XXXX associated address : XXXX XXXX XXXX, XXXX XXXX, SC XXXX. This information is completely false and reporting inaccurately on my report. I have never resided at this address nor been associated with this address nor have I ever done business with the listed company. I am a victim of identity theft and I have filed a complaint and obtained a identity theft report which is attached with this correspondence.