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

I paid Synchrony {$1000.00} XX/XX/2023 and gave them authorization to debit {$2700.00} from my card on XX/XX/2023 I was given confirmation numbers of both payments. I called a week later to make the final payment 2weeks early and was told they no longer had my account and that it was in collections. I asked how can it be in collections when u just got {$1000.00} from me less than a week ago? They refuse to send me confirmation of the {$1000.00} payment. They refuse to correct this on my credit report. Synchrony accepted payments from me, my account isnt a charge off nor is it closed. I have called three times so far asking to have the status of my account corrected and requesting proof my account is paid in full. They claim they emailed it. I said I hv checked Spam, inbox etc. I have received nothing. I even asked for a letter they told me dont do that. But if I owed money theyd send me a letter. I asked to speak to a manager. Have not heard back. Synchrony received payment. I paid {$3700.00} and they will not acknowledge the debt was paid in full, no settlements the full cost of the debt is paid in full.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Problem with combining 2 accounts on British Airways VISA points. Hello, my name is XXXX XXXX and my British Airways Membership # XXXX. Ive been trying to combine 2 accounts together ( one was opened in error by CHASE XXXX ) for over a month month. Ive opened British Airways Chase VISA credit card XXXX, Chase bank created British Airways account for me as well ( # XXXX, I can't get in to this account because I already have an account # XXXX ) lets call it account # 2. Ive contacted Chase and they told me to contact British Airways ( see response attached ). I called XXXX XXXX a month ago and was assured by representative that both accounts will be combined in to one in 3 days. I already have ( Membership numberXXXX ). Instead emails came in on XX/XX/22 to my email XXXX telling me : Thank you for getting in touch with us about your duplicate accounts.The details on your accounts do not match, so I haven't been able to do this yet.To safeguard the security of your Executive Club accounts we just need a few more details from you first.Please tell us the postal and email address you'd like to use, and send us a copy of your passport and utility bill or driving license. A link was provided. I uploaded requested information XX/XX/22, waited for response for a week, nothing. Uploaded evidence again, no response. On XX/XX/22 I called again and was on hold for 1 hour. I spoke to representative named XXXX, he told me there is nothing on my case indicating that documents came in. He put in a request again, and said response will come in 3 days. He refuse to connect me to a manager. On same day I mailed a hard copy of my request including request documents to XXXX address that was provided on website. After a week has past and no response on mail or my call, I contact XXXX XXXX again via Complaint Section on their website, uploaded requested info as well. Also Please see atachments. Please let me know what is the issue. I will be glad to clear it up. Thank you for your help. XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX, phone XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any adverse items of information, other than records of convictions of crime which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any Information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card

I have 3 credit cards with Citi bank. Cosco/AAdvantage/XXXX I have NEVER had a late payment and have always paid at least the minimum plus. My husband died in XXXX, and my income decreased. I had to use my credit cards. I did not use all of my credit limit, but my balances did go up significantly in a short time period. 

On XX/XX/XXXX my credit limit was reduced on ALL 3 of my cards, to just over what I owed. This significantly increased my credit usage, resulting in a major drop in my credit score. Now today, XX/XX/XXXX, I received an email informing me that my credit limit was being decreased again due to my credit score. Citibank, dropped my credit limit, which caused my credit score to go down, then dropped my credit limit again due to my score going down. I believe this is wrong and if not illegal, it is definitely poor business practices. I have credit cards from several banks and they have not ever decreased my credit limit, even after my score dropping. I have NEVER missed or had a late payment!!!! 

I pay my bills on time, as my credit reports show 100 % on time payments. 

I have recently received more income. I am trying to pay down all of my credit cards, to improve my usage percentage. Now, my usage will again go back up, resulting in another lowering of my credit score, which will then cause another decrease in credit limit. This is a vicious circle and is an incredibly cruel practice. 

I called customer service today to dispute this and was told that I could NOT dispute this decision. I can not even call the department that makes these decisions, so they obviously know what they are doing is wrong. 

They are making it impossible to dig out of a financial hole. 

Once again, this is the ONLY company that has done this. I have XXXX XXXX, XXXX, XXXX, etc. No problems with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 12 XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report. An agency entitled XXXX XXXX XXXX  located at XXXX XXXX XXXX, XXXX Michigan did an inquiry on XXXX16 resulting in a lower credit score. I did not apply for credit. 

XXXX searched out and placed a lien release on my credit record and refuses to remove. This lien was paid in full. 

Transunion searched out and placed a lien release on my credit record and refuses to remove. This lien was paid in full. The state of Oklahoma does not file liens with the three agencies. 

XXXX did remove the lien off my credit report. I want XXXX and Transunion to do the same. I want XXXX investigation as to why they pulled my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 it also states consumer reporting agency can not furnish an account without my written instructions. Under 15 US 1666 ( b ) a creditor may treat a payment on a credit card account under an open and consumer plan as late for any purpose. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I ordered some items from the XXXX XXXX catalogue never received the items I ordered contacted XXXX XXXX letting them know I never received the items then in found they reported it on my credit reports they told me they would take care of it and never did
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ACCOUNT # XXXX, has violated my rights. 
I have informed the consumer reporting agency that several rights have been violated by them publishing this account on my report. Certified letters were sent. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) .EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete this account from my consumer report. This company is in violation of 15 U.S. Code 1681.
Product: Debt collection

On XX/XX/XXXX I was served with a citation from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating I have been sued. The plaintiff is XXXX XXXX XXXX XXXX. Yes I had a XXXX credit card my credit card limit was {$500.00}. I stopped making payments XXXX or XX/XX/XXXX granted we were in the last few months of the pandemic and unemployment had stopped. I was fighting XXXX XXXX and nearly to sick to go back to work. I was dealing with two out of my control circumstances the pandemic and XXXX XXXX. I stopped making payments XXXX or XX/XX/XXXX and Im just hearing back from their attorney with a lawsuit. I never received any letters, bills, mail or any paperwork prior to the suit. I was never given an opportunity to rectify this matter prior to being served with a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XX/XX/2019 XX/XX/2019 Each time I was told something different. I have XXXX hard inquires on my credit that I did not authorize. I have sent in verification along with copies of my report requesting the inquires be verified as valid accounts or removed as I didnt authorize them. 

Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

Hi, This company reported my account to credit reports after speaking with and me asking for time to discuss this with XXXX XXXX. I spoke with American Accounts and Advisers and explained the situation, I was threatened about reporting to my credit report and not given enough time. I have not heard back from summit and this has now affected my credit. I sent American Account and Advisers a written letter of dispute. This is fraudulent billing practices and a violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was broken into twice and my personal information was stolen. I immediately filed a police report. I also contacted the IRS and filed the identity theft claim and the federal trade commission. I sent certified copies of police reports, IRS reports and the identity theft report from the federal trade commission and XXXX, Equifax and XXXX refuse to move fraudulent accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached are documents PROVING this account can not be validated or verified and needs to be removed from my report IMMEDIATELY. In addition, please send my check allowed to me under the FCRA for continuing to report information that was not 100 % truth, impacting my ability to get new credit.
Product: Checking or savings account

I have had a bank withdrawing from my account with cash appIve reached out several times to explain I do not have this account and nothing is attached to my crash app account. When asked for proof that I authorized the transactions they sent me a line item showing the transaction went through nothing proving I authorized it even though I explained I had not.
Product: Debt collection

On XX/XX/XXXX, Midland contacted me even though I have told them prior I owe no money. The first person did not identify himself at all. He just said my name, and I said yes, who is this? He then said I had a phone call and transferred me to someone else who again did not identify themselves for over a minute as being a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

My purse was stolen out of my car in a XXXX parking lot ( XXXX, NC ). I did not do a police report at that time. After recently pulling a copy of my credit report I have noticed that there are quite a number of medical debts that are n't mine. I immediately contacted the collection company who did not help me and I then contacted the credit bureaus ( Equifax, XXXX, and XXXX ) and let them know about the problem. I disputed all items asking that signed documents be shown as proof that these charges belong to me. I have not received any original signed contracts to prove that these accounts are mine because there are none. I was told to get a police report but the years in between now and then of coarse that was impossible. I understand that each bureau reports differently however truthfully these accounts do n't belong on any of these bureaus credit report for me. I have attached my FTC Identity Theft Report Letter as well as the letter that I sent to Equifax XX/XX/2017. These accounts are making my credit score bad and its hurting my credit credibility. I have been trying to have these accounts removed for about three months now. This is unfair to me and I really need it to be fixed.
Product: Mortgage

My Loan was originally with XXXX and was bought by Selene Finance, since then we have had issues with filing paper work, Selene finance claiming we did not have homeowner insurance, ( which we did and have always had ), charging fees for things that were unheard of and when asked to explain what it is they didnt. The end result always being the same, saying they willl put in a request in which we never see any results in and end up with forclosure or there reps hanging up the phone on us.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. 
I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payment. 
You are reported totally different or missing information on my XXXX XXXX account. 
I attached copies of my annual credit reports of all major bureaus so you can find wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing bankruptcies they are not verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX  Account XXXX XXXX Account : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Using the www.annualcreditreport.com site, I tried to access my three free credit reports. XXXX  was able to present me with a report. XXXX  and Equifax claim that they were unable to verify the information I provided and did not provide me with a report. There was no explanation provided. My understanding is that the three agencies provide and support that site. So how come they can not collect the information that can ensure my identity is valid? Of course, they offer the ability get a report by mail. This is all designed to frustrate the user until they give up. They are not living up to their responsibilities.
Product: Credit card or prepaid card

HELLO MY IS XXXX XXXX XXXX XXXX AND I AM MAKING THIS COMPLAINT BECAUSE I HAVE TRIED MULTIPLE TIMES TO DELETE THIS INFORMATION FROM THIS ACCOUNT FROM MY CREDIT INFORMATION, SINCE I WAS NOT THE ONE WHO APPLIED FOR THIS ACCOUNT, MY PERSONAL INFORMATION, FOR EXAMPLE THE ID AND SOCIAL SECURITY WERE STOLEN, THEY WERE USED TO OPEN MULTIPLE ACCOUNTS FRAUDULENTLY, ONE OF THE BANKS AFFECTED WAS THE CARD ( VYSTAR CREDIT UNION ) WHICH CURRENTLY HAS A BALANCE OF {$2200.00} THAT WAS OPENED AS FRAUD, I AM CURRENTLY A USER AUTHORIZED BUT I DON'T NEVER AUTHORIZE BEING AN AUTHORIZED USER I DEMAND TO DELETE THAT ACCOUNT FROM MY CREDIT REPORT, I MADE AN IDENTITY REPORT ADDING THIS ACCOUNT TO THE IDENTITY THEFT REPORT SO IT CAN BE REMOVED FROM MY CREDIT REPORT THANKS
Product: Credit reporting or other personal consumer reports

XXXX report my information was exposed in a data breach
Product: Mortgage

Completed form XX/XX/XXXX on XXXX XXXX for XXXX / debt consolidation loan. After noticing an issue in which I disputed with credit the credit reporting agencies, I decided to wait. On XX/XX/XXXX, XXXX XXXX of XXXX XXXX  XXXX scheduled a call via email with me to discuss options with their organization at XXXX. I confirmed the call via email ; however, he never called. In my initial response XX/XX/2019 at XXXX XXXX to XXXX, I stated " I am going through the process of removing a fraudulent account from my credit report before I move forward. '' The following day, I received email alerts someone had obtained my credit report. At that point, I sent XXXX several follow-up emails and stated I never authorized him to obtain my credit and requested why it had happened. He stated it was a " soft '' inquiry from XXXX XXXX and no need to worry. I stated I did not trust his organization and requested he remove the inquiries because I never requested and he had no right. At this point, he refused to remove the inquires.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, after disputing the account in question, which also includes a hard inquiry, I observed several monthly charge-offs. Despite requesting the removal of the account from my report, it was updated but still remains. I am considering taking legal action against the credit bureau. I request the immediate deletion of both the account and the hard inquiry from my credit report.