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

I started a contract with Sears Whole Home Warranty in XXXX. I generally paid my monthly home warranty premium $ XXXXmth prior to due date, but in XX/XX/XXXX the premium was double charged in the amount of {$69.00} [ twice ] paid on XX/XX/XXXX and not reflecting on XXXX XXXX XXXX  and paid again on XXXX reflects on XXXX XXXX XXXX  and indicated as not paid on ShopYourWay MC and my water heater also broke down and I have a XXXX and needed the repair done quickly. The {$100.00} deductible was paid on XXXX and reflected on XXXX XXXX XXXX [ partner to Sears Whole Home Warranty ] but it was not reflecting on Citi-ShopYourWay MC ; I was being charged again double for a service I had already paid for ; I paid the {$100.00} deductible again on XXXX { I called, I emailed, I mailed proof of my bank 's proof of payment along with XXXX XXXX XXXX Account portal of my payment history and crossmatched it with Citi ShopYourWay MC payments, with miscellaneous documentation of the emails and calls } all to no avail. The pattern of several calls and emails and a couple of letters continued through XX/XX/XXXX and on XXXX I spoke with a Rep XXXX XXXX # XXXX and was told not to pay the premium due XXXX for {$69.00} due to a dispute being opened and it takes 45-90 days for a decision. Since that call on XXXX, I started getting PAST DUE CALLS and being penalized with late fees/and mounting charges. As a result on XXXX, spoke with XXXX - ID # XXXX and the account was closed. no conf # given I requested in all of the above correspondence for the duplicate premiums paid out along with the late charges and fees attached and most recently the XX/XX/XXXX premium and the XX/XX/XXXX which seemed to be as a result I most recently paid {$210.00} [ XX/XX/XXXX {$180.00} + {$28.00} XX/XX/XXXX ] The most frustrating thing was the two companies Citi SYW MC and XXXX XXXX XXXX pointing the finger at each other in blame with no one giving a solution. After my own research I resolved, several consumers had similar complaints with Citi-Shop Your Way MC and their payments not being processed properly. In total my resolve should be {$270.00} XXXX {$69.00} XX/XX/XXXX premium + {$100.00} XX/XX/XXXX deductible + {$39.00} late fee in XX/XX/XXXX + {$69.00} XX/XX/XXXX charges received well into XX/XX/XXXX after the account should have been closed ] The representatives there on either side are no help what so ever and this whole thing has been a nightmare!
Product: Credit reporting or other personal consumer reports

These entries are negatively impacting my creditworthiness despite my lack of association with them. Please ensure their swift removal and take preventive measures to avoid similar errors in the future.
Product: Credit card

On XX/XX/2023, I tried to pay on my account by phone as usual but it fell on a Sunday and I couldn't. So I paid it the next day by phone and was told I would be charged XXXX dollar late fee. I explained that I lived on my XXXX and could not afford to pay that. I made my regular payment of {$120.00} and was told that they would not waive the late fee. I explained that it was only one day and that was due to my due date falling on Sunday. They advised me that I would continue to accrue the fee. I spoke with a supervisor and he would not change it. I was told each time I made a payment from that day on, I owe mounting late fees which I can not afford to pay. This is very unfair and I am doing the best I can to pay them every month. HELP PLEASE!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX & I am including it again., XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

TransUnion po box XXXX XXXX, PA XXXX. 

Re : The inaccurate and certifiably noncompliant information TransUnion is reporting that is keeping me from purchasing a home. 

Beginning XX/XX/XXXX to XX/XX/XXXX, on numerous occasions, I wrote to TransUnion with a formal objection of information published and provided by TransUnion to any and all who has accessed or reviewed my credit profile. I demanded for swift action on their part. Additionally, my notice also served as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 

TransUnion is improperly reporting an alleged Public Record and that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with XXXX reporting standards, Transunion is in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to TransUnion by the alleged XXXX of XXXX. I have repeatedly formally contested inaccurate information in my credit report as well as the source of the alleged XXXX XXXX. 

Date Filed Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible accuracy and a maximum " possible '' completeness, which extends to the reporting mandates that there be no deviation from XXXX XXXX format compliance since, per the XXXX, XXXX  XXXX " Any deviation from these standards jeopardizes the integrity of the data ''. Unfortunately, it appears that TransUnion does not have reasonable procedures in place to assure maximum accuracy and completeness of the information that they include in their consumer reports that they prepared concerning me. XXXX prompt attention to this important matter is requested in order to comply with federal law. I have previously disputed this item listed above, XXXX XXXX Bankruptcy. In response, TransUnion verified the item as accurate, stating that they have verified the information with the court. I recently contacted the court and their response is enclosed.TransUnion is the only credit bureau reporting this alleged Bankruptcy as it does not belong to me. I have included proof of no bankruptcy being reported by XXXX or XXXX. 

It is clear that the courts ABSOLUTELY DO NOT REPORT to TransUnion or to any credit bureau for that matter ; therefore TransUnions original response verifying the item with the court was either an error or a LIE. Either way, the reporting requirements DO NOT COMPLY with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be DELETED IMMEDIATELY. 


Sincerely, XXXX XXXX
Product: Debt or credit management

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists '' 3. Alternatively, you can use a simple script like " I do not know who this collection agency is, as I have never been in agreement to work with them '' You can also dispute it online and use laws like " Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 '' 2.
Product: Credit reporting or other personal consumer reports

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

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Debt collection

As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of my dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo XXXX XXXX XXXX XXXX XXXX  I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 


In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : XXXX ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business or operate in the state.

5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

You have 15 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. 

Failure to respond within 15 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

When these accounts were opened, I was a XXXX XXXX at the age of XXXX XXXX XXXX. The accounts listed does not belong to me and are a result of identity theft. I have shown proof of my identity and that I was a XXXX XXXX at the time the accounts were opened and the companies failed to investigate and see that I was a minor and could not have opened these accounts. They are failing to fully investigate and refusing to remove collection accounts that do not belong to me. I have no knowledge of these accounts listed on my credit report that is affecting my credit. How is this credit reporting agency validating that the account belongs to me and I was only XXXX XXXX XXXX? You are in violation of the Fair Credit Reporting Act. As a credit reporting agency under the Fair Credit Reporting Act, your responsibility is to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am writing to request your assistance in investigating several unrecognized credit inquiries that have recently appeared on my credit profile.
Product: Student loan

I logged in today XXXX XXXX/XXXX/XXXX XXXX to make sure I was current and to schedule my next payment. It states my amount due is {$34.00} and not due until XXXX/XXXX/XXXX. I have two student loans : one due for $ and one for XXXX that totals {$34.00}. I called to ask Navient 's customer service why my payment was n't due until XXXX and I was told that I had over paid so I am not due until XXXX. But this {$34.00} is late fees. If I overpaid, why was n't it applied to late fees if i have them? If I am paying in advance how do I have late fees? And if those are my late fees what is actually due and when?
Product: Credit reporting, credit repair services, or other personal consumer reports

This was paid off in XXXX by the insurance company. I was advised updates were submitted to the bureaus. Still shows open. This needs to be closed and removed.
Product: Credit card or prepaid card

XXXX and Bank of America announcing changes to their corporate guidelines aimed at preventing law-abiding Americans from exercising their constitutional rights. that the bank will no longer finance military-style firearms for civilian use. 
I am concerned BofA wont let me use my credit card for firearms or ammo.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I came across a XXXX  post that was published by my friend. But I think my friends XXXX  account was hacked So I messaged him Im interested and he sent me another person XXXX account XXXX was the name of the person who I was sent too So she started explaining everything and told me she can get me approved for {$20000.00} in government grant So I agreed and sent her all my information So on XX/XX/XXXX she sent me to bank to withdraw my money ( {$5500.00} ) and send to some person named XXXX XXXX and told me she was gon na deposit the {$20000.00} to my account So I withdrawed the {$5500.00} and did a money transfer to account XXXX XXXX with the account number but I didnt get save the account number because she hacked my XXXX  account So after I deposited the XXXX to the account name and number she gave me. 
I told her I did it already After that she hacked my XXXX  account and changed my password to not communicate with her.. 
so yeah I got scammed and lost {$5500.00} Please if you can help me get my money back
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information per 15 USC 6802 & 15 USC 1681-c-2 Dear Consumer Relations Department, I hope this letter finds you well. I am writing to formally dispute certain information contained in my consumer report as provided by your company. According to the provisions of 15 USC 6802 and 15 USC 1681-c-2, I have the right to request the accuracy and validity of the information being reported about me. I recently obtained a copy of my consumer report from your agency and found some inaccuracies that require your immediate attention. The discrepancies pertain to the following items : XXXX XXXX Account # {$530.00} This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b I must emphasize the significance of having accurate consumer reports, as they play a vital role in determining various aspects of my financial life, such as loan approvals, interest rates, and job applications. These inaccuracies have the potential to adversely impact my creditworthiness and financial standing, which is why I request your immediate attention to rectify these errors. Per the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), it is the legal obligation of consumer reporting agencies to conduct a reasonable investigation upon receiving a dispute regarding the accuracy of information in a consumer report. I hereby request that you initiate a thorough investigation into the disputed items mentioned above. During your investigation, I kindly request that you verify the accuracy of the disputed information with the original creditor or data furnisher. Promptly update my consumer report with the correct and accurate information. Provide me with a written statement of the investigation results and any changes made to my consumer report. Please be aware that as of the date of this letter, it has been 65 days since my last letter, and I have not received any response from your agency regarding the investigation. This lack of response is in violation of the FCRA, which requires consumer reporting agencies to respond to disputes within 30 days. As such, I urge you to expedite the investigation and provide me with the results as soon as possible. Failure to comply with the FCRA 's timeline for investigating disputes may result in legal action. I have enclosed copies of relevant documents that support my claim. Additionally, I request that you inform all parties that have received my consumer report within the past [ number of months ] about the corrections made as a result of this investigation. I expect your prompt attention to this matter to ensure the accuracy of my consumer report. Your cooperation in this dispute is greatly appreciated, and I trust that you will handle this matter with the utmost professionalism and expediency.
Product: Credit reporting or other personal consumer reports

I have made several attempts to the credit bureaus to investigate and provide accurate information on my consumer report. Last attempt was XX/XX/24 and they reported that they did and updated accordingly. I got a copy of my credit report XXXX  days ago and was appalled by the amount of inaccuracies listed. Collection accounts listed as " Open '' Balances listed, date last active varies, numerous discrepancies AND inconveniences across the bureaus. It is my right as a consumer to accurate credit reporting. This is damaging to my credit and my creditworthiness.
Product: Mortgage

Rushmore Loan management will not give me credit on 3 payment made. 
I have sent proof of payments to Rushmore many times. 
XXXX XXXX sold my account On XXXX XXXX i made payment to XXXX XXXX for XXXX and XX/XX/XXXX {$1100.00} On XXXX went to XXXX XXXX to make payment and I was told that my account was sold to a different Bank .and that I was going to get a letter from the New Bank . XXXX XXXX would not tell me who was the new Bank. 
2 week 's past and I still have not received a notification on the new Bank I call XXXX XXXX and they would not tell me who or phone number of new Bank On XXXX XXXX I got a letter from Rushmore Loan management, but No account number. 
On XXXX XXXX I got a letter from Rushmore Loan management with my account number and I mailed my XXXX and XXXX payment. 
On XXXX XXXX I got a statement that shows that I had to pay {$1500.00}. 
So I sent my XXXX payment and copy of all PAYMENTS including the payment to XXXX XXXX for XXXX and XX/XX/XXXX. On XXXX XXXX I got statement and it shows that I had to pay {$1800.00}. I sent my XX/XX/XXXX payment and I sent copys of payment to Loss Mitigation. On XXXX XXXX I got a letter from loss mitigation saying that they received the copies of payments and that in 30 days my account will be corrected. 
I never received a notification. 
I call many times no one had a awnser on why this was happening. I continue to make my payments and on XX/XX/XXXX I got a letter from the County of XXXX that saids that my house was in Foreclosure. In XX/XX/XXXX XXXX I emailed all my payments to XXXX XXXX in loss mitigation and on XXXX XXXX I get a payment history letter in wich Rushmore Loan management is charging me for XXXX and XXXX payment that I made to XXXX XXXX and on the payments history money order # XXXX XXXX payment to Rushmore in wich they cashed. 
I emailed XXXX XXXX/ left house message and No Response This is unreal / I lost my job because I got mentally ill dealing with this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX from XXXX XXXX, XXXX I told this company and Transunion that this inquiry was made without my knowledge. 

XXXX XXXX from XXXX XXXX, XXXX I told this company and Transunion that this inquiry was made without my knowledge. 

XXXX XXXX from XXXX XXXX, XXXX I told this company and Transunion that this inquiry was made without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair credit reporting act states that someone is suppose to have your consent to pull my credit. And if they dont have my consent they are violating a federal law called the FCRA XXXX The company pulling your credit must provide documented proof of documents with my signature on it that I authorized and provided consent for the hard inquiry. The FCRA says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries listed below. If they fail to provide this documentation then TransUnion, XXXX and XXXX must remove these inquiries 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint after noticing unauthorized inquiries on my credit report. 
XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I tried closing my PayPal account but the " Close My Account '' link on the account page was a dead end ( I have screenshots ). I then tried closing it via the " Delete Your Data / Close Your Account '' link on the data page. I then received a message informing me that PayPal usually responds to REQUESTS for account cancelation within XXXX XXXX. I should not have to ask permission to close my account, much less wait XXXX XXXX  or more for a response. I also believe the misleading dead links are an attempt to keep their stock from continuing to crash this XXXX, as many people are closing their PayPal accounts, which makes this not only a consumer issue but a securities and exchange issue, or so I would imagine.
Product: Checking or savings account

My Wells Fargo account was hacked through third party apps and hotel websites. XXXX XXXX and XXXX XXXXXXXX app debited {$100000.00} out of my bank account. From XXXX XXXX Present. I am also susceptible of hackers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was stolen/shared with unknown sources. These accounts are reporting inaccurate information on my credit profile and needs to be removed immediately from my credit files. I have no knowledge of the following accounts nor inquiries reported on my credit report. It is addresses in Ohio with accounts attached that are fraudulent, please remove them immediately. 

Dept of edu/XXXX  : XXXX this is not my account! 

XXXX XXXX XXXX  : XXXX, XXXX these are not my account. This are repeated accounts showing on my credit profile by the same company. 

XXXX XXXX XXXX : XXXX {$430.00} I have no knowledge of the account XXXX XXXX XXXX : XXXX {$260.00} This is not my account XXXX XXXX {$2200.00} this is not my account XXXX XXXX : XXXX {$440.00} this is not my account. 

Navy federal credit union:XXXX {$530.00} this is not my account XXXX XXXX : XXXX {$1200.00} this is not my account. 

There are more than 30 inquiries on my credit profile from someone trying to still my identity.