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

On XX/XX/XXXX, I received an alert from Equifax Gold Credit Watch service that my XXXX XXXX account balance had increased {$1900.00} to {$2300.00}. I immediated checked my XXXX account, and there was no such transaction current or pending, or any balance nearly that high past or present. I used the Equifax service to check my credit reports from all 3 bureaus. There was no such transaction at any of them. I have had a freeze at all 3 bureaus since XX/XX/XXXX and when I checked, none had reported any fraud activity or credit check attempts. 

The Equifax service provides no additional information. I contacted them to ask them what this alert was based on. I was told it was up to me to investigate, that the alerts are usually " routine '' and might be up to 90 days old. In fact, the last transactions showing on my credit report for my XXXX account is fromXX/XX/XXXX!! I replied that I did investigate and found nothing, and needed details regarding the account number, date of transaction ( s ), vendor, etc. I was told again it it was up to me to investigate. They have refused ( or are unable to ) give me any information on this alert. In my attempts to talk to someone on the phone I have been put on hold, dropped on a transfer, and still not gotten any information. 

By their own admission, this is not an " early warning '' alert. It does not, apparently, reflect what is happening on your own credit report. Not only does Equifax not provide accurate information -- they do n't provide any at all!
Product: Money transfer, virtual currency, or money service

XX/XX/year>, I purchased with my debit card a room at XXXX XXXX. It required at {$35.00} deposit. XX/XX/year>, I checked out of my room the clerk immediately gave me my deposit back to my debit card. I checked my card later in the day and the deposit has still not arrived. I called Cash app and they told me that the motel did not send the money. I asked them to give me a itemized list of my transactions with my debit card. From XX/XX/XXXX to XX/XX/XXXX. Instead they gave me my last month 's statement. So I called the motel they gave me a receipt that showed the refund was released to my debit card when I left the motel. I proceeded to call Cash app and they told me that the funds had not been sent by the motel. I then emailed them a receipt from XXXX XXXX while I was on the phone with the operator and the operator put me on hold to check the receipt. The operator then told me that the funds were processing. They also told me that the receipt that I sent was a photocopy and it was a PDF. They are running me in a circle to hold on to my funds which was considered a cash transaction from the motel to my debit card. When I go to XXXX and I hand them cash money, my money immediately hits my debit card with cash app. When I paid for my room that was considered a cash transfer from an online service. That is the reason XXXX XXXX refunded my money immediately. This is not an extension of credit, this is cash that is transferred to a digital wallet. I spoke to a supervisor and they reviewed my complaint noting that I had a receipt. They could have easily typed a few numbers in and confirmed immediately a cash deposit was sent from XXXX XXXX to my debit card, like they do when I put cash on at any location that accepts it. The only reason my money is being held is to increase their digital worth and I am a double amputee that has limited money/resources and they are taking advantage of me. All of my conversations were recorded by their system.
Product: Mortgage

In XXXX 2013, my loan was changed from a fixed 30 year with a 2 % interest rate to a variable and a higher interest rate.by JP Morgan Chase Bank. I am providing proof and documentation to prove my case.
Product: Credit card or prepaid card

Gift card for purchase in the amount of {$50.00}. One item was returned, and the other was kept. However, the merchant did not credit my account the full {$50.00} for the gift certificate. {$16.00} us still due. I'm being harassed by Bank of America to provide the information and explanation 3 times now. If this business were conducted in the United States, they might be able to understand English more fluently.
Product: Debt collection

I recently submitted a complaint. The company closed this complaint with failing to address the issue. Theyre response and is unacceptable when they are in violation of the HIPAA Law. Here is the company response Thank you for reaching out to our firm. We have reviewed your accounts. As stated in your complaint case no # : XXXX, Receivables Management Systems sent a letter back on XX/XX/2020 to show the balance in our office. Our firm has sent information to the original creditor requesting additional information. Our firm has not received that information as of date but once we have received, it will be mailed to the consumer to the address listed in this complaint. Please contact our firm directly should you need further assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian and XXXX on XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If Experian and XXXX do not authenticate the account, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear [ Credit Reporting Bureau ], I am writing to dispute a late payment reported on my credit report for the [ Account Name ] account ( XXXX : [ XXXX ] ). 

I have reviewed my credit reports from all three bureaus ( XXXX, Experian, and XXXX ) and discovered inconsistencies regarding this late payment amount due. While your report reflects a late payment on XXXX, neither XXXX nor XXXX reports this delinquency. Payment was made to the creditor on time and never received a late payment notice Due to this discrepancy, I believe the information on your report is inaccurate. The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure the accuracy of information they provide. In this case, the inconsistency across all three reports raises concerns about the validity of the late payment on your record. 

Therefore, I request that you investigate this matter further and remove the late payment from my report. If the investigation reveals the late payment is truly inaccurate, I also request that you update the information with the other two credit reporting bureaus to ensure consistency across all reports. 

In the event you are unable to verify the accuracy of the late payment, I request that you remove the entire ( XXXX : [ XXXX ] ) account from my report. 

I have enclosed copies of my credit reports from Experian, XXXX and XXXX highlighting the inconsistency in the late payment amounts for your reference. 

Thank you for your time and attention to this matter. I look forward to your prompt resolution. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

Tonight, I was shocked to find wrong accounts listed on my credit report without any reason. Im used to reviewing my report frequently, and this time, there were these strange discrepancies. Refreshing my browser didnt helpit wasnt just a temporary glitch. Im now asking for a careful check of my submitted documents to make sure I can feel secure about my credit again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Did not consent or authorize nor benefit from the following inquiries. Please block and remove the following from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I had applied for a loan modification last year and was working with the CIT bank. During the process, I was to have all documents in by a certain date. However, as I was going through the process, I was working directly with the underwriter to get the bank exactly what they were requesting. The information I was sending was getting rejected so I had to keep sending in different things to satisfy their requirements. When I finally gave them everything to their satisfaction, they denied me based off of the fact that I didn't give them all of the information by the date they requested. I don't understand how they could do this as I was actively working with the underwriter of the bank. So basically, the bank gave me the run around and waited until after my due date for all of the information to be approved and denied me because it was after my due date when they received and approved my information.
Product: Money transfer, virtual currency, or money service

Venmo froze my account of over {$2000.00} on XX/XX/XXXX. 

After responding to their email notifying me of the freeze, and verifying my identity, my account remains frozen. 

They have not responded to my email requesting an update.
Product: Credit card or prepaid card

I wanted to purchase a laptop from Best Buy and they offered me 12-months free financing if I opened a Best Buy credit card. I agreed and provided my information to be approved. I was flagged on their system so I had to speak with a rep. from Citi Bank before they would approve the card. I waited for about 15 minutes and then was told that I didn't qualify for the card, however I did qualify for the Gold card with an annual fee of {$59.00}. He would not tell me why I didn't qualify for the free card. It seems difficult to believe that, if I had any credit issues ( which I certainly do not ), that I wouldn't qualify for the lower tier card but would qualify for the more expensive Gold card. I hung up and ended up paying in cash for the purchase. I feel that I was targeted by Citi Bank because of a high credit score and income to try and sell me on a product I did not want.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 7 accounts showing up on my credit report that do not belong to me I have been disputing these since XXXX of XXXX I have just opened up an ftc regarding identity theft these accounts in no shape and form belong to me and the bureaus are clearly notdoing anything about it they are just reporting false information. I am getting tired of this!!! 

Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Credit reporting or other personal consumer reports

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the ( 7 ) seven hard inquiries and inaccurate personal information showing on the credit file with Experian. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the XXXX  Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX - XXXX {$11000.00} XXXX XXXX - XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights. 

15 U.S.C 1681 section 602 A.Clearly states that I have the right to privacy.

15 U.S.C 1661 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did a back ground check on me and it showed up something that was not mine. I have never been convicted of a crime and i have never lived in XXXX AZ. I am XXXX year old and have never been in any kind of trouble. The case # is XXXX and is says it was a XXXX. 
Can you please get this fixed for me? 
Thank you, XXXX XXXX XXXX
Product: Checking or savings account

Every other friday for 11 years I have used PNC bill pay to send my rent. 2/3 last months PNC schedules my paycheck deposit in such a way that when my bill is paid first it overdrafts my account. They are taking the payment about 1-3 hours early the day prior to when it is scheduled. I never asked them to send it early, I wanted it the day i scheduled it. My paycheck usually is deposited around XXXX XXXX  every other friday and the payment is taken out around XXXX XXXX  the day prior. The excuse they use is the paper check has to be mailed " early '' to get there on time the day it was scheduled to be paid. So please tell me what USPS mail  service runs between XXXX-XXXX at night and how taking that payment at that time vs past XXXX-XXXX  the following day gets it there any faster?? They are using the deposit switcharoo to try to get overdraft fees out of their customers. Also how is it that for 130 out of 132 payments over the last decade this doesnt happen? But conveniently during a time of crisis in this country and people are losing homes and their livelihood they are making money any way possible to recoup the losses the have incurred due to covid.
Product: Mortgage

XXXX XXXX XXXX purchased XXXX XXXX in 2017.  Prior to XXXX XXXX XXXXXXXXs purchase, XXXX XXXX were serviced by XXXX XXXX XXXX and there was a dedicated website to see an actual amortization schedule and payments made to the mortgage on a monthly basis over differing periods (based on a drop down menu selection) which clearly stated the principal and interest breakdown of the payment, any additional principal paid and escrow etc..  In the months since the acquisition, TD Bank is woefully unprepared to service mortgage accounts, and at a very basic minimum does not  provide a simple breakdown of my monthly mortgage payment such as how much of my monthly payment was applied to principal and how much to interest.  They will not provide online statements unless you have opened a checking account. If you require a statement from a previous month, TD Bank requires you go to a branch to request.   This is simply unacceptable mortgage servicing.  There should be no excuse for not providing a customer a detailed allocation of their mortgage payment.   This is  basic mortgage service expectation.
Product: Credit card or prepaid card

I have a Lowes Advantage Card with Synchrony Bank. The orgininal amount approved for was {$5000.00}. They increased my credit limit to {$6000.00} which encouraged me to purchase carpet with 18 or 24 months no interest that was solicated in the store. As soon as I made the purchase they decreased my credit limit to {$3700.00} which put me at a 97 % usage on this card and it dropped my credit score XXXX points. I called several times to increase my credit limit back to the {$6000.00} that they had increased it to or at least the {$5000.00}. They set me notice after the fact not 45 days prior to doing this unethical practice which I read on this website that it was required to be done. I generally pay more than the minimum payment on all my credit cards. I was never in default on this card. I feel very hurt by this by this unethical practice. If I pay this account in full and close this account that will also decrease my credit. This was a hard way to find out that this could happen. I feel scammed mislead mistreated and abused by this company. If I knew this could happen I never would of applied for this card! I thought Lowes was a reputaul company that could be trusted to do business with. Now it has damaged Lowes reputation too!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department on XXXX/XXXX/XXXX regarding being a victim of identity theft and the fraudulent and unauthorized XXXX XXXX accounts and hard inquiries listed on my XXXX XXXX, Equifax and XXXX  credit Report. The police report case number is : XXXX, the following account or collection accounts do n't belong to me : XXXX XXXX XXXX XXXX, XXXX  XXXX, {$76.00}, XXXX XXXX for {$1400.00} and XXXX XXXX XXXX for {$26.00} and {$74.00}, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX. I been receiving harassing telephone calls and death threats from representatives from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX for a debt that 's fraudulent and do n't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a billing error. 

15 U.S. Code 1666 - Correction of billing errors ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, The law 15 usc 1681e ( b ) speaks about the accuracy of the consumer reports they produce! It must have maximum possible accuracy! Accurate means all values correct all information exact! So in general Experian is furnishing inaccurate information on my consumer reports which is a direct violation of 15 usc 1681e ( b ). 

XXXX XXXX and Experian are violating my rights that are federally protected. 

Experian deleted this account and it has reappeared on my credit file which is illegal!
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX
Product: Student loan

My loan balance has suddenly shown up again on 2 off my 3 credit reports. XXXX XXXX and XXXX show the balance pre-forgiveness. It had been showing as closed until recently. Loan was forgiven PRIOR to SAVE act using PSLF guidance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had moved from XXXX to XXXX and several bills were sent to old address, I was late paying them by the time I got them. Those late bills have been recorded in my credit score. I have since made payment on time. I have called the companies to request the removal of those late payment, I have dispute several times with XXXX, Equifax and XXXX, unfortunately they are not removing despite the fact that I have made all my payment on time for 2 years. I 'm trying to buy my house and the banks are not liking those delinquencies. I need it removed to be able to buy my current home. late payments happened in 2015.