23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX is currently reporting inaccurate information regarding a credit card account since XX/XX/2024 which is the last reported balance update on my XXXX report. I've disputed the inaccurate information unsuccessfully XXXX times. The very first time speaking with an agent at XXXX, I was advised that the incorrect balance could be " manually adjusted '' if I'd provide the most recent statement reflecting the correct balance. That date was on XX/XX/2024 in which I also provided ocular proof of correct balance information via upload to XXXX. On XX/XX/2024, I contacted XXXX for the third or fourth time and spoke with a kind representative named XXXX who first informed me that because I lived at my current address for less than 90 days, that I needed additional screening to proceed with conversation. I've owned and lived in my current residence for almost 4 years now ( currently reporting on XXXX ). After my correction, we proceeded with my inquiry. After explaining my issue, XXXX had informed me that Mercury had told XXXX to " not change '' the information which baffles me. XXXX did confirm receipt of my upload with correct statement balance. After conferring with a superior, XXXX informed me that the only course of action for me would be to contact my creditor ( Mercury ) and ask them to respond to the dispute that was sent. I then contact Mercury directly. The associate confirms for the second time that my correct balance was reported to XXXX on XX/XX/XXXX which is the day after my statement date ends and that there were not any disputes on my file from XXXX. To expedite a solution, the associate was willing to have a 3-way call with XXXX to rectify the issue. I then reach back out to XXXX to initiate a call and am given an agent named " XXXX. '' XXXX informs me that after confirming receipt of my uploaded document that I would just have to wait until the investigation is over which would take up to XXXX calendar days but usually before the XXXX mark. I express to XXXX that per Mercury, there are no disputes in my file. By this time, I'm just over all of this, however, I pose a possible solution XXXX. I recommend that we complete a 3-way call to Mercury to rectify the issue. XXXX conveniently tells me " We just stopped doing that, Sir. Unfortunately, that's no longer an option. '' I politely digressed and informed him that there was nothing left to do but consult with CFPB for assistance.
Product: Credit card

XX/XX/XXXX {$10000.00} Merchant : XXXX XXXX in XXXX XXXXXXXX XXXX 
Bank : Synchrony Bank Filed a dispute for an unauthorized charge with the bank XXXX times and was told that the case was unable to be approved because I authorized the purchase and benefitted from it. I did not authorize this purchase, and no items were received by me. This card was opened on XX/XX/XXXX and only used once for the amount of {$4900.00}.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card

I opened a Sears credit card for the purpose of purchasing a washer/dryer pair from Sears XXXX store in XXXX 2015. I was told as my sister is my witness that by opening credit card account to make purchase and buy the warranty that if I paid the purchase in full in 6 months that the warranty would be free. By XXXX I had paid {$1000.00} which was the purchase price believing that my account had been paid in full and that the warranty price would be adjusted since payment in full had been made well before the 6 months. By late XXXX I continued to receive bills from Sears regarding the remaining balance. Believing this to be a mistake, I contacted the credit department before the XXXX XXXX, payment was due. I explained the situation to XXXX who offered to extend the promo for another 6 months while this concern was being resolved. I had spoken with XXXX and XXXX in XXXX, XXXX in XXXX and XXXX and XXXX in XXXX. Supposedly this has gone to store manager XXXX XXXX, district manager XXXX XXXX and most recently to XXXX XXXX regional manager. No one has contacted me to resolve this issue. I was given a case number and every time I called I have to explain this situation to every representative thinking someone is going to help me. This has been the worse customer experience I have ever received. XXXX did make contact with store while I held for 20 minutes. An assistant manager XXXX came on the phone and said he had no way to contact district manager which I find hard to believe. It appears they do n't want to deal with this because what I told obviously was not true. I was misled into opening the account and now I am paying for something that should have been free. This is dishonest and wrong. You ca n't mislead consumers. They need to refund what I have already paid since XXXX and adjust the remaining balance. Rest assure, I will make no further purchases from Sears. I thought they were reputable and would take quick steps to resolve this. The corporate escalations well as the stores are playing games. But this is not funny nor is it right. I wonder if the CEO is aware of how they are running this company. I 'm sure social media would have a field day knowing Sears and Citibank are scamming customers.
Product: Credit card or prepaid card

After, receiving an pre-approval invitation from XXXX to apply for a Capital One business Credit Card. On XX/XX/2022 I initiated a consumer credit transaction with my SSN, and business Tax I.D . number also referenced by congress as a credit card, pursuant 15 USC 1602. The purpose of this consumer credit transaction was to obtain a business credit card account on Capital One. They claim this was a very easy process and that my business XXXX XXXX XXXX XXXX  was already pre-approved. I filled out the form online, and provided every document required. I was denied a new business credit card, due to reasons not provided nor I never received. I sent a certified letter to the company that was signed and has a return date of XX/XX/2022 with my request that the department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes their organization civilly liable for non-compliance pursuant XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and have not received any response
Product: Mortgage

On XX/XX/XXXX XXXX was taken from our escrow account to pay city taxes. This amount never made it to the city for payment. We reached out 7 times once we were notified by the city of the non-payment to find out where these funds have gone, and have still not received an answer. On XX/XX/XXXX an ADDITIONAL XXXX was taken out to pay for the XXXX XXXX payment of city taxes. This amount was received by the city and the XX/XX/XXXX check was cashed. Since XX/XX/XXXX we have reached out 13 separate times to try to get the initial XXXX back. ( Including a complaint through CFPB where LoanCare said they had already returned the XXXX, which was not true ) The initial XXXX was taken from our escrow account and was not used for taxes. The customer rep we spoke with said the initial XX/XX/XXXX check was never cashed and said they put in for a stop-pay on the check. We were told the funds would be back in our account by XX/XX/XXXX, when the funds weren't returned, we were told they would be back by XX/XX/XXXX, again no funds were returned. Now, no customer representatives will answer when we call, and we have called 13 times and filed 5 different contact forms. No one from LoanCare will answer where our money is and when we will be getting it back. 

Please return the initial XXXX payment that was not used for taxes.
Product: Debt collection

I AM REQUESTNG THE AMOUNT OF A FRAUD ACCOUNT WHICH WAS LISTED WITHIN MY BR CASE. XXXX, THE TRUSTEE REFUSED TO INVESTIGATE THIS ACCOUNT. I FILED BR BECAUS OF THE FRAUD. YOUR COMPANY FILED A BR CLAIM IN THE AMOUNT OF XXXX. ALTHOUGH, A FRAUD ACCOUNT THE BALANCE WAS NOT BE XXXX I WAS PROVIDED WITH THE AMOUNT WHICH WAS PAID TO YOUR COMPANY BY YOUR BR OFFICE. THIS CONSTITUTES BR FRAUD AND ALL WILL BE HELD ACCOUNTABLE. ALTHOUGH THE FRAUD ACCOUNT MAY HAVE BEEN DISCHARGED OR PAID, I AM IN NEED OF THE TOTAL AMOUNT OWING ASAP. I WILL COMPARE IT TO THE AMOUNT QUOTED TO ME. 

IT APPEARS COURT STAFF HAS ENGAGED IN UNETHICAL ACTIVITIES AS THE SITUATION AND NUMBER ARE NOT ADDING UP. THIS TRUSTEE HAS ALSO UTILIZED THIS SAME COMPANY TO COLLECT ON FRAUD CC ACCOUNTS WHICH S VERY SUSPICIOUS. NONE WERE PAID BUT DISCHARGED, BUT WHEN I SPOKE TO EACH BR DEPARTMENT A NUMBER WAS GIVEN WHICH WAS COMPLETELY DIFFERENT. THIS INDICATES THIS IS AN INTERNAL OPERATION.
Product: Debt collection

Please review attached documents. EOS CCA has contacted me after given a cease and desist, never rebutted the affidavit of truth line by line, never paid specified remedy, still stated that I owe a debt. They're in violation of 15 usc 1681 & 15 usc 1692.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit card or prepaid card

I have never applied for a credit card from Discover, but I received one last Saturday ( XX/XX/11 ). 
I have called Discover about this, and they confirmed this was fraudulent activity. Discover told me that they will look into this but did not take any action, and they did not update me with details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The Financial Credit Network has collected every closed fraudulent account against me, reopened the accounts and are trying to collect on the fraudulent accounts which were closed.COLLETIONS
Fin Cr Netwk
Opened XXXX XXXX, XXXX
+
XXXX
Original creditor: 10 XXXX XXXX XXXX
Fin Cr Netwk
Opened XXXX XXXX, XXXX +
XXXX
Original creditor: 10 XXXX XXXX XXXX
Fin Cr Netwk
Opened XXXX XXXX, XXXX
+
XXXX
Original creditor: XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction with the ongoing presence of fraudulent account on my credit report. After reporting the identity theft, I quickly contacted the company linked to this fraudulent account. While they recognized the legitimacy of my report, they indicated their inability to provide records. However, they assured me that the fraudulent account would be removed once I submitted the required XXXX report. Both XXXX and XXXX have already removed this account from their records after identifying and correcting an error. I am perplexed by your bureau 's continued verification of this account when other agencies have already deleted them. I urge you to remove this account from my file, as they are inaccurate, erroneous, incomplete, or unverifiable. Immediate action to delete this fraudulent account is necessary, as the companies have acknowledged their fraudulent nature and agreed to their removal. Please promptly delete this account, as they result from identity theft. XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit report result on XXXX XXXX XXXX2018 I am requesting a method of verification for XXXX XXXX XXXX. so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate this dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.
Product: Credit card or prepaid card

In XXXX of XXXX XXXX XXXX XXXX replaced the HVAC system in her home. As a finance option she was invited to apply for a payment plan that was 0 % for 60 months. She was approved and set up automatic payments to honor that arrangement. In XXXX she happen to open a mail item that revealed that she was not on a payment plan and that she had infact been lied to by the sales person and her information was instead used to apply for a credit card with Synchrony on a deferred interest plan for only 18 months. On XX/XX/XXXX I called on behalf of my XXXX year old mother and spoke to XXXX and XXXX regarding a resolution. I explained that the person that presented the offer and convinced her to apply did so using false information about the product and that we were interested in paying off the balance minus the deferred interest as this account was applied for under false information provided by the live person selling the financing options. XXXX had faithfully been paying on what she understood to be a 60 month payment plan and aince we discovered the deception I was prepared to help her pay off the balance. I was advised that they do offer a 30 day window past the regular deferred interest posting where they are willing to waive the interest in exchange for the balance being paid off. I was told that this is in place because often customers do not understand that it is deferred interest and call to pay it when they get their statement. However, since we became aware of the situation after that window there was nothing they could do. I explained that existence of that window suggests they are aware that customers do not understand what they are signned up for and advised that I consider this predatory lending at it's worst.
Product: Credit reporting or other personal consumer reports

Subject : Request for Method of Verification and Continued Dispute of Charge-Off To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off. 2. The name and contact information of the person or entity that provided the verification. 3. Copies of any documents or records used in the reinvestigation process. The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ). Please provide me with the requested information and update my credit report accordingly. I expect a response within the XXXX period allowed by law. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX ( DATE FILED XX/XX/XXXX ) UNAUTHORIZED XXXX : XXXX  XXXX XX/XX/XXXX
Product: Debt collection

I have all phone numbers to prove what I am saying also up to72 calls per day not happy with this out come also 7 person they contacted ask them to stop and will testify in court
Product: Debt collection

i just find out that on my credit borough reports i have 3 collections in a small amount in a total of {$450.00} 1. XXXX XXXX, $ XXXX, 2. SW CRDT SYS Corp, $ XXXX, 3. XXXX XXXX $ XXXX. 

I don't know what is about, i just can guess according to original creditors names ( whish i found on credit reports ) that its medical outstanding bills. I never received any letters/notices from Collection/Or-and/Original creditors that i own some money. 
I am a medical provider too, in case i want to put patients for the collection I am always mail them certified green mail card which must be signed by the patients. Then i am allowed to put patients for collection because i have received proof that the patient received a notice. A few month ago some collectors was trying to call me about some outstanding amount, they just verified my name, but when i asked them Can you please email me or mail a bill/statement from original creditors so i can Verified where is the source of my outstanding but I WAS HANG UP THE PHONE immediately, for me looks like that just they just want verified my name and its more than enough to put me in a collection. 
Another way, because i have very valuable time I would like to pay these outstanding balance and forget about this., and unfortunately i am unable to do it because when i have clicked on XXXX  , XXXX  , and XXXX  collection names I DO NOT HAVE ( website link ) an OPTION to pay it OFF. I did search by creditor names on line and its brought me to their subcontractors websites where they offer some some credit card and other things.

For Example on XXXX  Credit Borough I have clicked DISPUTE button and its brought me to : XXXX XXXX XXXX XXXX Its Not fair to me, like i mentioned above i would like to pay OFF a balance i have and even not to thing what is about. BUT i do not have an options to do it on their website. I have made a few calls by the name i found of my credit reports and i was switched to companies who offer some services to clean up a history for monthly fee etc. 

1. The reason is it has to be removed from TXXXX XXXX and XXXX  that is NO link from original creditors/or collection agency to PAY OFF a collection Balance.

2. XXXX, XXXX and XXXX  must have received a confirmation from original creditors that debtors have received a notification ( NOT just phone calls to verified the Names and hang up the phone after )
Product: Checking or savings account

I received a letter for unclaimed property from Bank of America dated XX/XX/2020 detailing unclaimed property that was owed to my wife and myself. After receiving the letter I called Bank of America on XX/XX/2020 and through the phone submitted my claim information and was told that we would receive a check for the funds within 6-8 weeks. 

After not receiving anything I called again on XX/XX/2020. They did not know why the funds were not sent but resubmitted my claim and detailed that the request would be expedited but at the very latest the funds would be sent to us within 6-8 weeks. 

Again, after not receiving anything, I called Bank of America on XX/XX/2020. The agent claimed that he did not know what happened with my claim but that the funds were sent to the state of Texas on XX/XX/2020. 

On XX/XX/2020 I checked the Texas state unclaimed property site and there is no information on the unclaimed property.
Product: Credit card or prepaid card

I had applied for Lowes Credit card via online. I had infact used this card in the store also. Later due to some issues either I misplaced my card or just lost it. I asked Lowes to send me a replacement card - is it a big deal. Since then I am going thru all sort of troubles ... rather than sending me a replacement card ... they troubled me like anything. 
Finally i got this letter that they had closed my account - why???? I have no idea? 

Does n't this Lowes or XXXX XXXX are aware of the fact that obtaining a credit card incurr hard inquiry on someone 's credit history?? Is it a joke to close the account unless somebody ask or agree for that? And please do n't make excuses for some useless fine terms.