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

This letter serves as my formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning the inaccurate and misleading information appearing on my credit report regarding the XXXX, XXXX, and XXXX XXXX XXXX accounts. I demand an immediate investigation and correction/suppression of the following discrepancies, as they violate Metro 2 compliance guidelines : XXXX ( Account # XXXX ) : XXXX. Inconsistent High Credit Reporting : The " XXXX XXXX  '' is reported as {$6100.00} ( Experian, XXXX ) but {$5300.00} ( XXXX ). 
XXXX. Conflicting Comments : Remarks such as " Credit Card XXXX in XXXX XXXX  is Credit Limit '' do not align with reported data. 
XXXX. Late Payment Reporting Ambiguity : " Was 30 Days Late XXXX Time '' is unsupported by a detailed payment cycle. 
XXXX ( Account # XXXX ) : XXXX. High Credit Reporting Errors : " High Credit '' is reported as {$11000.00} ( Experian ) but {$0.00} ( XXXX ). 
XXXX. Date of Last Payment Conflict : The " Date of Last Payment '' differs across bureaus. 
XXXX. Late Payment Mismatch : " Was 30 Days Late 1 Time, Was 60 Days Late 1 Time '' conflicts with " Current '' status. 
XXXX XXXX XXXX ( Account # XXXX ) : XXXX. Inconsistent High Credit : " High Credit '' is {$4600.00} ( Experian, XXXX ) but {$4600.00} ( XXXX ). 
XXXX. Late Payment History Conflict : " Was 30 Days Late 1 Time '' is inconsistent with " Current '' payment status. 
XXXX. Conflicting Comments : Remarks such as " Charge Account in XXXX XXXX  is Credit Limit '' lack clarity and alignment with reported data.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I filed a complaint with American Express and it seems that they have overlooked my issue and concern and have not fully investigated my problem. 
american express claims that since the merchant allegedly try to contact me that the issue could have been resolved however indicated to them that no one has contacted me other then to purchase more items at a higher quality. American Express seems to be taking the side of the other party without fully taking into consideration of what I have endure by making a purchase using their American Express protection plan. It seems as if they do n't want to hear my side of the situation and it is making me feel like I am being discriminated against. I have lost money due to purchasing this product and no one has addressed that issue. American Express has also failed to fully investigate the faulty items I received and solely sided with the other party because they claim the other party has offered to replace the item with a similar item. With all due respect if the item I purchased was damaged why would I want to buy the very same item again? I would rather take my business elsewhere. Furthermore I have several of the items which are faulty in my possession. 

Thank you for your time and attentionPlease see below in that American Express failed to respond to the Better Business Bureau with regards to my matter. 

Complaint ID # : XXXXBusiness Name : American Express Financial AdvisorsThe XXXX has made several attempts to contact the business regarding the above referenced complaint. We regret to inform you that we have not received a response from the company. 

The XXXX develops and maintains Reliability Reports on companies in our service area. This information is available to the public and is frequently used by potential customers. In the case of your complaint, the company 's failure to promptly give attention to the matter will be reflected in the report we give to consumers about them. 

If the company has contacted you in the interim, please notify the XXXX immediately at the address or e-mail provided below. DO NOT RESPOND DIRECTLY TO THIS E-MAIL, AS IT WILL NOT BE RECEIVED BY THE XXXX. 


Sincerely, XXXX XXXXDispute Resolution SpecialistXXXX Complaint XXXXXXXXXXXXXXXX Serving Western XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX
Product: Debt collection

Identity theft in 2009 Removed off report Company got a judgement They proceeded to restrain and freeze bank account for the amount. This was 11 years ago and in identity theft that was removed off report because did not belong to me.
Product: Credit card or prepaid card

XXXX Credit Card has been charging me interest on a purchase made in XX/XX/2018 but has never sent me a physical statement nor given me access to my online statement since they enrolled me in paperless billing. When I've tried to enroll online, to view my account, it does not allow me to do so. The reason given to me by the tech support group ( spoke to them on XX/XX/2018 starting at XXXX XXXX ) is because my account is a " classic account '' which was linked to an " XXXX XXXX account '' which was closed by me but they converted it to my current account so they cant link it!! That's absurd and, frankly, I have no idea what that means. But they have told me that it is impossible for me to access my account. Apparently, I've been paying the minimum amount every month since I have this account set up with my bank account with automatic payments. I've tried to reach a manager but each time they place me on hold for around 1/2 hour and then automatically disconnect the call. Now that I was made aware of the balance I've paid the bill in full ( as I do with every single one of my bills as my credit report will reflect ) but I think their actions amount to a violation of my consumer rights to be able to access the information pertaining to what I'm being charged for. If I'm enrolled in paperless billing, I should be able to access the information online - this is the most ridiculous situation I've ever encountered. I had no idea I had a balance - I'm sure it's something I'm responsible for however I have no way of verifying the information. And hanging up on me, not once but twice, is a disgraceful way of handling the situation. I'd like a response from their management as to how they intend to rectify the situation.
Product: Credit reporting or other personal consumer reports

Received letter from XXXX stating my application for a credit card had been declined because of negative report provided by XXXX. I DID NOT apply for a XXXX card. When I pulled credit reports I did find the XXXX request on XXXX I called XXXX and they would not provide information about the false application but said they would report the fraud to XXXX. I contacted XXXX and they said I should file this report. I also checked XXXX and XXXX. Neither had a hard inquiry from XXXX but both had XXXX from TAB Bank/Netcredit which I had not applied for. I contacted Netcredit. They would not provide any information about the application and were not cooperative. I called XXXX and they said to file this report and mail them a copy. I have not called XXXX but I assume they will tell me the same thing. I have frozen my account at all XXXX agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the timespan of XXXX XXXX, an account was created with Experian using a fraudulent email. We have since frozen our credit, however the individual with this email is notified if we freeze, lock etc. We have unsuccessfully tried to navigate through Experian 's IVRs - often on hold for hours at a time, and disconnected frequently. We need a live person to remove this email from my social security number so we can secure our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

LISTED COMPANIES IN REPORT # XXXX, XXXX AND XXXX NEED TO BE APPRAISED OF THIS SITUATION OF IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

I have sent a letter on the XXXX of XXXX to all 3 credit bureaus and included actions that were required by the credit bureaus to provide a more accurate consumer report. So they are in violation of the FCRA more specifically, 15 USC 1681a, 15 USC 1681b, 15 USC 1681c ,15 USC 1681 ( 2 ) ( A ) ( i ), and lastly 15 USC 1681n as well as the Privacy Act section 4. I also gave them 5 business days from acceptance of the letter to cure the situation or else I would find them guilty of violating the FCRA and Privacy Act and invoke the willful noncompliance act that is listed in the letter.
Product: Credit reporting or other personal consumer reports

After speaking to CFPB, I am asking for resolution on the following issues : 1. Why do you have the same information as XXXX, never late and balance on credit is very close to matching, yet your score for me is XXXX vs XXXX with XXXX. I want all three bureaus to be on the same page and I should not be penalized by one when info is the same. 
2. It says that not having a mortgage, or more than the revolving accounts I have, is hurting my credit. So, because I pay cash for my car, I rent my house and I do not want 20 credit cards, you are punishing me with a lower score. I have no late pays on any account ever, I have XXXX open credit cards that I pay down often but never max out and I have other credit cards that because balance was XXXX, they closed them. I should not be penalized for not wanting to get more or pay interest on a mortgage when I can afford not to. 
XXXX. Overall, you could not tell me why my credit score is XXXX given excellent payment history with XXXX lates, I manage my credit cards making large payments often and I do have revolving accounts both open and closed, only because they close them when paid off. You are penalizing me for no reason, you do not match XXXX in score with the same data, that is crazy and should be looked at. This is impacting my life negatively and that is not accurate or fair. 

My score should be very high based on actual credit history, all three bureaus should be nearly the same score when info is the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was consignor on a vehicle lease. XX/XX/XXXX financial indicated a payment was late and reported that to the credit bureaus. I was not notified of the presumed late payment. I contacted XXXX financial several times to get specifics, ie date received and amount to compare to the XXXX on the lease. Somewhere the lease must have been renegotiated due to Covid. I was not aware of that.XX/XX/XXXX financial has been uncooperative in my attempt to obtain information, yet left negative actions on my credit report. Bank statements indicate a different payment status than XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking my credit one again I notice several accounts that i do not know about, I have been victim of identity theft, a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Product: Mortgage

In accordance with Fair Credit Reporting Act this creditor has violated my rights Under 15 USC 1681 sec 602 : states I have the right to privacy. 

Under 15 USC 1681 sec 604 sec 2 : states the consumer reporting agency can not furnish any information without my consent. 

Under 15 USC 1666b : states a creditor may not treat a payment on an account plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I would like to express my concerns to the CFPB company about the current case against Zelle about unauthorized money transfers. I've already used Zelle on multiple accounts and so have family members, and there have been times where the app has crashed out on us or made us confused. It has been brought to my attention that Zelle has neglected the proctection of its costumers and their money, putting them at risk for fraud or scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft/fraud. I have notified the collection agencies/ original creditors several times that these accounts do not belong to me. I have not in any way received goods or services from these companies and i have provided my police reports, my FTC ID THEFT affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was likely included in the Equifax hack, according to Equifax.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

During this pandemic I have been hit hard with suffering from my XXXX and been off work for the last 7 months I paid my credit cards when I could and also let them know of my situation. Recently last month I was able to get my Discovery {$2500.00} credit limit and pay it down to XXXX. Never had an issue until this morning when they decreased my limit by {$1000.00} which puts me back in square 1 and putting me almost at my crefit limit again and making my credit score drop after I been working hard to try to pay everything off I'm in a bind to where I have to move and by them cutting my limit making my credit score fall its making it impossible at this point I just want my credit limit back to where it was so I can finish making process to get everything back on track and they are making it hard for me to do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/year> Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX '' on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Inaccuracies and Violations : Account Balance and Past Due Amount Discrepancy The account reports a balance of {$850.00} while also reflecting a past due amount of {$170.00}. These inconsistencies violate 15 U.S.C. 1681e ( b ), which mandates accurate reporting. 
Incorrect Payment History The account reflects a payment status of " XXXX days late '' and " XXXX days late '' despite being closed. Reporting late payments after account closure can be misleading and negatively impacts my credit score. 
Remarks Indicating Dispute Resolved by Grantor The remarks state " Dispute resolved reported by grantor, '' which implies previous dispute activity, yet errors remain. This indicates a failure to properly investigate under 15 U.S.C. 1681i ( a ).

Unverified Account Closure by Creditor The report states the " Account closed by credit grantor, '' but there is no proof that this closure was initiated by the creditor rather than voluntarily by me. 
Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report. 
Provide written confirmation of removal within five ( 5 ) days. 
Cease further reporting of this inaccurate information to avoid further legal liability. 
Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Debt collection

I wrote to Caine & Weiner on XX/XX/XXXX of 2020, notifying them that I am disputing the debt they are trying to collect. I requested in writing that they verify the debt as required by the Fair Debt Collection Practices Act, and that they do not contact me about this debt aside from verifying the debt. The company has not verified the debt, and has not desisted contacting me and other members of my organization about the debt.
Product: Student loan

On XX/XX/year> Mohela deducted {$570.00} from my account. This was the incorrect amount. It was supposed to be {$100.00} on XX/XX/year> and {$470.00} on XX/XX/year>. I called repeatedly and uploaded my bank statement to show they money was deducted. They still have it listed as delinquent. On XX/XX/year> they did the same thing. They deducted {$570.00} from my account. It currently says I am {$1100.00} delinquent on my account. I have autopay. This shouldn't have happened. I have turned the autopay off for my XXXX payments. There is no answer from them on how to find my money. This is hurting my credit score because they say I'm delinqent when they are the ones who took the money and can not find it.
Product: Credit card

I received a letter dated XX/XX/year> ( see attached ) stating that 3 of my accounts will be closing this is the explanation in the letter : " Financial institutions have an obligation to know our customers and monitor transactions that flow through our customers accounts. After careful consideration we decided to close your credit card accounts on XX/XX/year> because of unexpected activity on these or another Chase account. '' I made 3 attempts contacting Chase by phone only being put on hold and transferred to several supervisors with no concrete answers or explanations nothing more than the information i had from this letter is all they had, no remedy no answers nothing. I am completely perplexed because I have maintained all 3 of my Chase accounts for over 20 years with a perfect spending and payment history with them! I check almost daily on their website and they're has been nothing unexpected whatsoever! Food, shopping, retail, travel, etc... I feel that I've been strongly wronged here for whatever reasons Chase has come up with and I'm being punished somehow... for what I don't understand. Please note the letter they sent states all 3 of my Chase XXXX credit cards are affected : last 4 digits are XXXX - XXXX XXXX
Product: Debt collection

I am not responsible for this debt that National Credit Adjusters placed on my credit for {$340.00}. According to the FCRA the debt collection agency has thirty ( 30 ) Calendar days to respond to a debt validation request and provide me with proof that the debt is indeed mine. I sent debt validation letter to National Credit Adjusters on XX/XX/2019, and they then sent me back a letter dated for XX/XX/2019 saying that they would need longer than 30 days, and that they were ceasing collection attempts. I have never received any documentation that proves that debt is mine. Since they are not able to validate the debt and prove that it belongs to me, I Would like for them to remove it from all credit bureaus, and not be able to sell it to another collection agency.
Product: Debt collection

WAYPOINT RESOURCE GROUP {$160.00} Open balance WAYPOINT RESOURCE GROUP Original creditor Opened XXXX XXXXXXXX XXXX  ( XXXX yrs, XXXX mos ) Account status Open Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX The last response I got was : Hello, Do you have another address or phone number that this account could be associated with? Thank you, XXXX XXXX THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. I called again and I finally got an account number after they try to sell me my own credit report. Account number : XXXX Will be filing with the BBB as they are liers and scammers, I've been in prison the last 4 years so no way I should have this on my credit score. They lied the first two times and said they couldn't find my account and when I called they found it even without my social. They ARE XXXX 'S! account number : XXXX, telephone number : XXXX, address XXXX XXXX XXXX XXXX XXXX, XXXX. 

They keep requiring more and more information, first they ask me for the account number, that's not good enough, now they ask me for my phone number, that's not Good enough, now they ask me for my address, that's not good enough. 

I will be reporting you to the BBB
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau has several items on my credit report that is not accurate. I have sent over multiple disputes some have been removed while others remain on my credit report. The inaccuracy of my credit report is creating me not to purchase a home, as well as affecting any other possibilities that I have in establishing more credit. I feel that the Credit Bureau has discriminated upon me with correcting my credit, creating great hardship for me to maintain housing and other credit dependency needs. This correction needs to be resolved immediately so that I may be able to have an accurate credit score along with improving my score in which the credit bureau has reported inaccurate for the past 24 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$650.00} XXXX   XXXX XXXX {$94.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX {$95.00} XXXX XXXX  XXXX {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone Fraudulently Used My Information At PNC Bank And Apply At Loan