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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Well I was trying to save money in my chime account but I was switching from XXXX  to XXXX so I didn't have access to my account online and I finally got my XXXX got it set up you got to plugged in and it says that there is a bunch of transactions from XXXX XXXX. I don't have a XXXX XXXX I not allowed to have one I didn't make any of the transactions at all and I tried disputing the charges and they said that that the charges were not of error and they closed the disputes no questions asked may I mention that the transactions were definitely not small charges at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded in my car XX/XX/XXXX XXXX XXXX XXXX was paid XXXX owed. To this day transunion, XXXX and XXXX  still show I owe that loan is closed..when i log in it says closed paid off so why is this not reflected on my credit reports a month later!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I opened a XXXX XXXX Credit Card for the purchase of a wedding band costing {$420.00} with a {$84.00} down payment. 

When the ring arrived, I was unsure on whether I really liked the band in person. I ordered another wedding band on XX/XX/XXXX in the cost of {$460.00} with a {$93.00} down payment. 

On XX/XX/XXXX, I returned the original ring with return value credit of {$420.00} which was put towards the outstanding purchase of the 2nd wedding band for a total balance of {$290.00}. 

The remaining balance owed on the loan was paid off as follows : XX/XX/XXXX - Payment - {$40.00} XX/XX/XXXX - Payment - {$40.00} XX/XX/XXXX - Payment - {$50.00} XX/XX/XXXX - Payment - {$80.00} XX/XX/XXXX - LATE FEE Charge {$27.00} XX/XX/XXXX Payment - {$100.00} {$0.00} balance in account - XX/XX/XXXX My husband and I are attempting to secure a home mortgage and were shocked to see that my credit score had gone down by over 100 pts. After working with our lender, we learned about this credit error from XXXX/XXXX that is hurting my credit. 

I have called XXXX XXXX ( XX/XX/XXXX ) to ensure that my account is indeed at a {$0.00} balance and I have been sent a letter that confirms that the account no longer has a balance. When I inquire about the credit reporting I was told to follow up with XXXX. 

On calling XXXX ( XX/XX/XXXX ), it was confirmed again that my account is at a {$0.00} and the reporting is in error. I was told to file a complaint to have the creditor adjust the way it's viewing. 

Please help me to fix this error so my husband and I can secure a loan for a home.
Product: Credit card

Without any prior warning, my card was locked after I made a {$800.00} gift card purchase on XXXX ( while I had a {$12000.00} credit limit ). When I contacted the customer service team, I provided my date of birth and the last four digits of my Social Security number as requested. However, I was told I needed to visit a local branch in person with two forms of identification to resolve the issue. 

I complied with these instructions and went to a local branch, bringing my U.S. passport card and XXXX XXXX card. To my surprise, the branch declined my XXXX XXXX card and insisted that I needed a state ID or drivers license. As someone who does not drive and recently became a U.S. citizen, I do not possess either form of identification. Consequently, the branch refused to unlock my credit card. 

I find this situation unacceptable for several reasons : 1. Why was my card locked without prior notification for what should be considered a normal purchase?

2. Why is a valid U.S. passport card, a universally recognized government-issued ID, deemed insufficient by your bank?

3. Why does your policy require two photo IDs when I am able to provide multiple other documents to verify my identity, including bank statements, my citizenship certificate, and other credit cards?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Product: Credit card

On XX/XX/XXXX, I made an online purchase at XXXX using " shop through Chase '' reward program expecting to receive 10 % bonus points. the transaction was posted on XX/XX/XXXX with amount of {$170.00}, but after numerous calls with customer service representatives, they refused to grant me the advertised bonus points.
Product: Mortgage

My name is XXXX XXXX, ( XXXX ) XXXX I Just finished Chapter XXXX  a few months ago, The servicer sold my mortgaged to another servicer, I have proof of all payments made in the past 5 years, the new servicer says I, m behind 22 payments and {$79000.00} and wont except my monthly payment unless I pay the {$79000.00}! 5 payments I've made to them has cleared my bank and not applied. The XX/XX/XXXXpayment was returned with letter they cant except without me paying the {$79000.00} They say they have referred account to attorney for legal action. Servicers : # 1 XXXX XXXX XXXX XXXX XXXX XXXX, PA. ( XXXX ) XXXX Account # XXXX # 2 New Servicer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT. XXXX ( XXXX  ) XXXX Account # XXXX. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken the necessary steps to address this issue by reporting the presence of false information. Being a victim of identity theft, I have experienced significant stress and financial hardship due to the inclusion of products that are not mine and for which I am not responsible. Failure to handle this complaint appropriately may result in legal action. These false and fraudulent entries on my consumer report have hindered my ability to afford my desired vehicle and support my family.
Product: Credit reporting or other personal consumer reports

Hard Inquiry XXXX XXXX XXXX inquired on XXXX XXXX  XXXX  inquired on XXXX XXXX inquired on XXXXXXXX XXXX Inquired on XXXX
Product: Credit reporting or other personal consumer reports

Violation of permissible purpose. Private source data contuies to be shared and obtained by partys thats have no authorization or written consent to have the information. And ciolated federal law by reporting transactions that are not part of credit transaction history. Some accounts have been validly removed and continued to report on other credit reporting agencies without proper validation and authorization to furnish the information
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach, resulting in the unauthorized use of my personal information. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) XXXX ( b ), I am requesting that the following fraudulent account and inquiries be immediately blocked and deleted from my credit report : Account to Be Blocked and Deleted : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX Inquiries to Be Blocked and Deleted : XXXX BANK XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Reporting Agency Experian XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Incorrect Information in Credit Report Dear Sir/Madam , I am writing to formally dispute an error on my credit report. The account information for XXXX XXXX, Account XXXX [ XXXX ], appears incorrectly on my report. 

Details of the dispute : Account Status : The report shows the status as Closed, Paid, Never Late, but I request confirmation that this information is accurately reflected across all records and reports. 

I have attached a copy of my credit report highlighting the account in question for your reference. Please investigate this matter and correct any inaccuracies. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you : XXXX. Correct or remove any inaccurate information from my credit report. 
XXXX. Notify me of the results of your investigation and provide me with an updated report. 

Please inform XXXX XXXX of this dispute and conduct an investigation as required by law. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the resolution within 30 days, as outlined by the FCRA. 

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

I am asking for your help with the misreported account on my credit report, which has been detrimental to my reputation. The mistakes in handling my credit report have caused me significant hardship, and I need your help to address this matter. It is essential to clear these mistakes for the sake of my family 's well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to each credit bureau XXXX, Experian and a XXXX regarding the XXXX XXXX Credit card thats on my credit profile. XXXX XXXX XXXX was aware that I did not authorize and make purchasing with that credit card. Upon speaking with XXXX XXXXXXXX XXXX back in XXXX they assured me if I settled and pay a portion they would remove account from credit file. I also sent them a copy of the police report which states my XXXX XXXX card stating there were unauthorized charges on my account XXXX XXXX did nothing about it. I have both conversations saved on my phone. I recorded all conversations. XXXX XXXXXXXX XXXX  had me settled account stating they would move account from credit file and did not honor their word. At this point I would like for XXXX XXXXXXXX XXXX  to provide me a copy of every transaction along with signatures and copy of Drivers License used to open the account. XXXX XXXXXXXX XXXX should be able to provide all this information if they are stating I allowed these charges. I know they wont be able to provide anything with my signature or acceptance. If account is not removed from credit file Im going to hold XXXX XXXXXXXX XXXX XXXXXXXX, XXXX and Experian liable for punitive charges. Also, I would like for XXXX XXXXXXXX XXXX to provide me with the agreement stating I have them permission to share my personal information with XXXX, XXXX and Experian. According to the Fair Credit Reporting Act I have to consent and so never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been Notified my Bank ( XXXX  ) that New Activity on my crdit report, that I have opened a New Account as of XX/XX/2022. The lender reporting the new account opened on my name is XXXX XXXX, without my authorization. 
I consider this new activity as FRAUDULENT. Today I have already reported this Fraudulent activity to EXPERIAN.
Product: Credit reporting or other personal consumer reports

It is imperative that this account is not included on my credit report, as it is not mine and appears to be fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified public record listed below is still reporting on my credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. You are allowing slander on my credit report. Your butts need to be sued if you do not remove this from my credit report. It is inaccurate, incomplete, and NOT VERIFIED! 

XXXX  XXXX XXXX Date Filed : XXXX Docket # : XXXX Discharged
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently paying every pay check my child support to pay past due child support and on going child support, during the corona season there is no work and now they are not supposed to be reporting on my credit report being that I can not start a business to pay off the debit with them reporting every month I am behind and I am paying them every month and I have being paying them consistently for the last two years out of my pay check I have reached out to them for the past 4 months on XX/XX/2020, I have sent them letters in XX/XX/2020 disputing the amounts of XXXX and the past due amount of XXXX I am currently paying every month the amount due and they are inaccurtely reporting the payments are being made, they come directly out of my account they have two account with ILLInois XXXX, the company is not helping me with this unfair situation, I am on auto pay they take it right out of my paycheck I have reached out to them and they never notified me and this is effecting me I can not get a mortgage and this is a big deal not able to have my son with me or my daughter a place to stay
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I deputed with XXXX that the information on my credit report was wrong, and they need to correct the information with XXXX XXXX. By contacting them and validate the information. They did not do that!! They reported back the next day on XX/XX/XXXX that information verified and correct. They are reporting on my credit that the balance was correct. 

My wife and I billing cycle date is on the XXXX of each month and the credit card was paid off before that date. If you look at the billing statement it shows a balance due of {$1.00}. XXXX is reporting a balance of {$210.00} which is completely wrong.
Product: Debt collection

Source receivables management has continued to violate a federal stay in my XXXX  XXXX bankruptcy proceedings. I filed on XX/XX/XXXX a week later I received a debt validation letter from SRM I contacted them and alerted them to the proceedings. They asked for my attorney information and number and I gave that to them. Since then on XX/XX/XXXX, XXXX, and XXXX I was contacted by SRM from a unknown local number. On XXXX when I answered the phone I asked the representative why was she calling me after I have given them the info regarding the XXXX  XXXX I advised her to contact my lawyer or the trustee. She confirmed on her end she received that info and quickly hung up.
Product: Credit reporting or other personal consumer reports

This can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but its also concerning because I never done or made any of these things accused of me. If you dont look in to these accounts, Ill take legal action against you.
Product: Checking or savings account

Purchased a used vehicle from XXXX of XXXX XXXX in XX/XX/2021. Did everything online and via phone to secure the deal. Was an all cash deal. Asked for the total to purchase cashiers check to buy vehicle and proceeded to buy the check for the amount. Was picked up by salesperson and driven to bank without having set foot in dealership. Arrive at dealership with check and informed that I have to pay more. I was manipulated into paying XXXX dollars more from my debit card or else I could not take the car. I was also told that if I wanted to purchase cooling off insurance, I would have to pay up front the deductible as well as the premium and Also a XXXX dollar restocking feebefore I even were to use the policy and which was non refundable.. I had wanted the policy but that added extra exorbitant cost prevented me from doing sowhich is a shame as the car was bad from the start and I would have availed myself of it the dealership has stalled and ignore me and caused me undue stress and hardship. 

Thats not even my signature on the contract cancellation option agreementI refused to sign so she forged it
Product: Debt collection

All the below are on my credit report. How is this fair that they 1 ) have not contacted me 2 ) going by 3 different names and hitting and negatively impacting my credit report each month? 3 ) how is this legal for them to do? XXXX/XXXX/XXXX {$440.00} by credit control services XXXX XXXX/XXXX/XXXX {$440.00} by Credit collection services XXXX XXXX/XXXX/XXXX {$440.00} by ccs collections XXXX XXXX/XXXX/XXXX {$440.00} by Credit control services XXXX How do I keep these unfair and illegal activities happening to my credit report by these companies any further and I want these derogatory and illegal collections removed asap.
Product: Consumer Loan

Account was sold and still being reported as a charge off on my credit report. It is still showing on my credit report.
Product: Credit card or prepaid card

I recently opened a PayPal MasterCard account with a {$700.00} limit through Synchrony Financial. Following my first payment, I started having problems using my card. I got this card to use daily similar to a debit card and pay the balance in full each month. 

The first month, I had a balance of approximately {$400.00} which I paid on time and in full. About five days later, I attempted to make a purchase at a restaurant only to have the card declined. I called Sychrony to determine why I could not use my card even though I paid in-full and on-time. The  response given was that a hold was placed on my payment and that my full credit limit will be available 5 business adys from the payment date. 

The next month, I had a balance of {$670.00}. I paid-in full, on the due date online on XX/XX/XXXX and received an email confirmation of payment at XXXX CT on XX/XX/XXXX. Watching my account to see if they would be placing a hold on my account again, I noticed I was charged a late fee. The website showed I paid on XX/XX/XXXX and a {$25.00} late fee was assessed. Again, I called. This time, it was to dispute the late charge. I was informed that the charge was waived ( so kind ) in addition to my account being placed on hold ... again. This representative said it was federal law to put payments on hold when it was a " huge '' payment. I asked what constituted a " huge '' payment. I got no satisfactory explaination. The representative said that my balance would be available in 5 days. 

Today, XX/XX/XXXX, I attempted to purchase necessary medications ahead of the XXXX holiday since my pharmacy will be closed. Yet again, my card was declined for a {$20.00} purchase. I called for a third time. I got no help from the representative other than my credit would be available in 5 days. He could not give my a reason why my account was still on hold even though I paid on XX/XX/XXXX and the payment cleared my bank XX/XX/XXXX. He attempted to say I made multiple payments which I did not. In the end, the call was fruitless. I will be closing this account as it does nothing for me to have a credit card I ca n't use when I need it. I 've met my obligations by paying my account on-time only to be declined when I need to use the card with no decent explanation or attempt at remedy.
Product: Checking or savings account

My account was freezed by American Express for no reason. I can not transfer my money or use my money. I call them and a representive tried to transfer my call to the right person, but no one answered the call. I waitted more than 30 mins and the call still can not be answered. I am very worried about my money. I think they are not safe in American Express saving account.
Product: Debt collection

I am writing to formally dispute the collection/closee account listed on my credit report. I am not liable for this Debt of {$560.00} with BARCLAYS BANK DELAWARE I did not sign a contract with BARCLAYS BANK DELAWARE and I didnt receive Verification of the debt via the original Contract Account number : unknown i was listed as an authorized user to an account belonging to. I notice discrepancies in the personal information section, which I believe is inaccurate. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate and verifiable information on my credit report. I am requesting that this collection account be investigated and removed if it is found to be inaccurate or unverifiable. Disputed Account Details : Collection Agency Name : BARCLAYS BANK DELAWARE Date of entry : XX/XX/year> Reason for Dispute : 1. I have not been afforded the opportunity to dispute the account in accordance with 12CFR 1006.34 ( c ) ( 4 ) ( ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 2. BARCLAYS BANK DELAWARE has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 3. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfil their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). BARCLAYS BANK DELAWARE is flagrantly disregarding consumer protection statutes. I demand that CFPB investigate these egregious Legal Basis for Dispute : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 611 of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The credit bureau is required to investigate the disputed information and ensure that it is accurate and verifiable. If the information can not be verified, it must be removed from my credit report. XXXX. Fair Debt Collection Practices Act ( FDCPA ) : Under Section 809 of the FDCPA, I am entitled to verification of the debt from the collection agency. If the collection agency can not provide proper verification or validation of the debt, it must cease collection efforts and remove the account from my credit report. Request for Action : I request that you investigate this matter and provide me with the results of your investigation. If the collection account is found to be inaccurate or unverifiable, I ask that it be removed from my credit report. Please provide me with written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law.