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

On XX/XX/2021 my vehicle was broken into. The thieves got a hold of my expired credit card that shouldnt have been able to work. The thieves then went to my local XXXX Gas Station was were able to make a transaction of {$77.00} with an expired credit card. After they crossed the street to a XXXX XXXX store where they tried making a purchase of {$56.00}. The second transaction was finally Red Flagged by Chase Banking and not allowed. However the first transaction went through. I called Chase Banking to inform the transaction was fraud/unauthorized. Weeks later Chase came to the conclusion the transaction was Valid because I benefited from the purchase. I then requested a revaluation of the disputed in which they are sticking to their decision. Ive never missed a payment on my 3 credit cards with chase always been in good standing and this is how they treat a loyal customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit card or prepaid card

Multiple fradulent charges appeared on my citibusiness card. The company XXXX citi XXXX discovered this, informrd me and reversed the charges all of which occured in XXXX. Subsequently, XX/XX/2019, I received a statement requesting a payment of {$270.00}. I had not made any purchases. This amount was carried over from the fraud in XXXX or from the foreign transaction fees that were associated with those purchases.I spent many hours on thr phone attempting to resolve this matter, Was assured it would be rectified.the next ststement, XXXX, still asked for payment of {$170.00}. I had made no purchases. I had cancelled the credit card. Again spent hours on the phone to resolve. Was told charge would be removedXXXX statement came with amount due now {$210.00} having added penalty.Again called to resolve. No progress.XXXX bill arrives asking to pay $ XXXX.More phone calls and assurance it would be addressed. XXXX statement comes with {$300.00} due. Phone call to their security XXXX XXXX XXXX XXXX ) reveals case closed no action being taken. Citibusiness card ending XXXX reissued after fraud ending XXXX. Now cancelled. Name on card XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Fl, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22, I sent a dispute letter to XXXX, XXXX and Equifax asking them to validate three accounts listed on my credit report. I have no knowledge of these accounts. I also requested my the wrong spelling of my name to be corrected. I know the bureaus have 30 days to complete an investigation but it has now been almost 3 months. On XX/XX/22, after no response, I sent another letter letting them know I did not receive a response and to please investigate the inaccurate information, provide me with documentation or remove the items from my credit report. Still no response. On XX/XX/22, I sent a third letter asking to now have all disputed items removed since they have violated my consumer rights not once, but twice.
Product: Credit reporting or other personal consumer reports

This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. This is a fraud case. I never open these accounts for me to have these inquiries. Specifically, as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX sent my account to collections which was originally called XXXX XXXX. this was the incorrect amount. I than got a call from Allied Collection Service out of XXXX XXXX. I spoke to a woman named XXXX who was a nightmare. I kept being threatened about how this was going to go on my credit. I told them let me talk to XXXX  and get this resolved since this is the incorrect amount. I had moved to XXXX who was to help pay off any balance i owed to XXXX. XXXX from Allied Collection gave me an option of a payment plan so this will delay any remaining balance that i owe from reporting on my credit. In which I told her ok but i can only do minimum amount of {$50.00} per week based on my financial situation. She gave me a time frame of 2 months to pay off the whole amount. I told her this is all i can do until the dispute comes back with XXXX. i told her if it comes back that i owe i will pay the remaining balance within the time frame. She refused to take or schedule my payment. Even though it states in the email i received from them that i was able to make payment arrangements without anything being reported. She was not willing to work with me at all. She said this account will be in dispute on their end and we are not to have contact until it is resolved. I never received a call back or email of the results. they have reported the amount i owed to all 3 credit bureaus. Allied and XXXX  have been colluding back and forth and unwilling to help at all. I am in the middle of purchasing a home and this will further delay the process. These two companies have not given me any chance to review the amount owed and i keep getting bounced around between the 2 companies. Every time i call and try to get answers i keep getting transferred.
Product: Credit card

Macys/Dsnb, XXXX XXXX XXXX, XXXX, OH XXXX is reporting my account as a charge off, however, I paid the account in full. Macy 's credit card stopped sending me invoices. I continued to mail checks to Macy 's but they never credited the checks to my account. I was told they did n't receive them. I sent them to the address that is on their web-site. I also verified the address once told that Macy 's was not receiving the payments. I want the negative information reported by Macy 's to be removed from my credit report. I filed a dispute, but Macy 's refused to remove the negative information.
Product: Credit reporting or other personal consumer reports

I am writing to express serious concerns about issues I have encountered with the credit bureau. Upon reviewing my credit report, I discovered several inaccuracies, such as false account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These discrepancies are significantly impacting my financial security, and I urgently seek your assistance in resolving these issues.
Product: Debt collection

On XX/XX/XXXX Credence Resource Management , LLC contacted me regarding a debt for XXXX XXXX XXXX XXXX for a balance of {$440.00}. On XX/XX/XXXX I sent a verification of debt letter requesting balance owed, amount of debt when received by collection agency, last billing statement including itemization, notice of last payment to XXXX and when account became delinquent. On XX/XX/XXXX Credence responded confirming verification of debt received. On XX/XX/XXXX I received two bills and no further information. The bill was from XX/XX/2019 and XX/XX/2019 no additional information was sent. This is not adequate verification of a debt because it does not reflect balance owed. I would like to report this collection agency for their inability to supply the requested information and request all calls and letters stop immediately.
Product: Credit reporting or other personal consumer reports

This company is gradually putting increasing and inaccurate information after a payment I made in XX/XX/XXXX th XXXX I have a letter fro the complaint and they are stating i paid the account I also have my records enclosed from XXXX XXXX AND the bank WHEN I PAID IN XXXX!!!!!! THEY PUT A CHARGE OFF ON A COLLECTION ACCOUNT AFTER MY PAYMENT!! just now IN XX/XX/XXXX! 
I will surely sue XXXX FOR LETTING THEM DO THIS
Product: Checking or savings account

Chime sent me a email stating that my account was closed but did not give me actual reason into why my account is closedI have no money!!! Chime stated that check with my remaining balance will be mailed to me within 30 days!!! Really!!! I have to wait 30 days to them to send me my money!!! On top of being on the phone with them for the past 5 hours and nobody can tell me why my account is closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I personally sent a Dispute Letter via XXXX Mail to TransUnion on XX/XX/XXXX. This letter was delivered on XX/XX/XXXX @ XXXX as reported by XXXX XXXX 

I provided all the necessary info needed to dispute this request properly. Today, XX/XX/XXXX, I received a letter from TransUnion stating that they verified this account as accurate but did not provide any context on how this was confirmed and verified per my request. 

Not only do I not recognize this debt in any capacity, but I also noticed that XXXX XXXX XXXX reported this collection account as " unpaid '' and " delinquent ''. With that said, per my legal counsel I have been advised that a collections account is past due by default therefore they have failed to list this accurately. This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and XXXX is required to remove any information that is not true, accurate, compliant, and verifiable. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX  to release my medical information to a third party.
Product: Debt collection

I had a Barclays Bank Credit Card where I make a {$50.00} minimum payment. I recently had gone through a financial hardship and had been late making a few payments. BARCLAY transferred to a collection name XXXX XXXX XXXX. It was posted on my 3 credit bureaus on XX/XX/2016 with the amount of {$1900.00}. XXXX XXXX  began to get a lawyer and talked with my employer who then started to garnish my wages. Total balance is now {$880.00} and I had to leave my job because of it.
Product: Mortgage

PNC Mortgage has been sending every month me a bills for payment on mortgage which I allegedly own them. I have never contracted with PNC Mortgage neither with PNC Bank. I have never been notified that PNC Mortgage or PNC Bank is my creditor or servicer. Neither of this XXXX entities are in my property chain of title. As of this date they continued to contact me at home and demanding to pay this debt and pursue foreclosure. On XXXX XXXX, 2016 I sent a letter pursuant to FDCPA 1692 ( g ) Sec 809 ( b ). PNC Mortgage failed to validate the debt and failed to delete or remove derogatory information from my credit files. PNC Mortgage failed to provide me with evidence of Illinois license to collect a debt in this state, and the license number. PNC Mortgage has been reporting invalidated information to XXXX Credit Bureaus as they were a creditor though they know they are not. PNC Mortgage failed to mark as disputed item in credit report.
Product: Credit reporting or other personal consumer reports

Experian refuses to remove two accounts of my credit per the collection rights and statue of limitations that is forseen underneath my credit report. For one of the collections, XXXX XXXX the collection agency is past the limitations of the right to collect data and as of the LAW it states that information reported should be removed that is innacurate or violates the terms of conditions in which the right it has to collect such debt. The collection was sold off to another consumer in which was not the right of the consumer to continue to allow such credit reporting to hinder my credit as such, three years In South Carolina, the statute of limitations for most types of consumer and business debt is three years. Another item that is being reported on my credit is from XXXX XXXX XXXX XXXX this item is past the debt collectors rights to have this item reported on my credit and should be removed as such according to the statue of limitations and its law, The Virginia statute of limitations on debt is five years for written contracts and credit cards and three years for open accounts and oral contracts
Product: Mortgage

In response to the COVID-19 pandemic and home retention issues affecting veterans with VA guaranteed loans, during XX/XX/XXXX the VA released Circular XXXX VA Home Retention Waterfall/ COVID-19 Home Mortgage Relief Program. The Circular clearly instructs mortgage servicers on processes to evaluate each borrower based on their loan status and eligibility to provide options that will assist the veteran in retaining their home through loan modifications and other forms of financial assistance. For over a year I have been requesting that Carrington consider my loan for each of the programs detailed in the Circular in order to offer me an unbiased and reasonable home retention plan/loan modification offer. To date, Carrington has refused to acknowledge my requests to be considered for programs under this Circular that go as far back as a XX/XX/XXXX. Further, in their XX/XX/XXXX letter regarding the review of my mortgage assistance application Carringtons underwriters neglected to apply the directives in this Circular when evaluating my mortgage assistance application. Carringtons acts have affected my ability ti refinance my home to lower monthly mortgage payments as mortgage interests have doubled since XX/XX/XXXX. XX/XX/XXXX interest rates were 3.5 % and now mortgage interest rates are over 7 %. It is imperative that Carrington allow me to to advantage of this program immediately as the program/Circular expires early XXXX specific waterfall Covid relief program expires early XXXX. Carringtons refusal to acknowledge that this program exists and to review its offerings to determine my eligibility is obstructing my access to federally funded programs that my husband is entitled to as a veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX
Product: Credit reporting or other personal consumer reports

I sent in my first dispute letters with XXXX, XXXX and Experian back on XX/XX/year>. I read that the credit bureaus have 30 days to investigate any information that we write to them. However, I continued to get multiple template responses and the inaccurate information of late payment history continues to be listed under each of my credit reports. XXXX sent letters twice saying that I did not send in the proper identification to verify myself and that they were not going to do anything further regarding my request. I even called them on a recorded line. I sent each of them two forms of proper identification and have proof that I did. After my first dispute request, each credit bureau removed an inaccurate account under " XXXX XXXX XXXX XXXX '' so I am not sure where the disconnect is and why I can not get them to remove additional inaccurate information. There continues to be ( XXXX ) inaccurate late payment under each of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and ( XXXX ) inaccurate late payments under XXXX. The account history is inaccurate and I also was affected by XXXX like many others so I am not sure why this information is listed and not being reversed. 

Under 15 U.S. Code 1681 ( e ) b Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow the reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has this information on Personal Information wrong as of XX/XX/2017 The rest is right Address That show on this report wrong : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX WRONG XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) ZIP CODE IS IN WASHIGTON XXXX XXXX XXXX XXXX XXXX XXXXPA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ALL WRONG ADDRESS NOT MY ADDRESS INFORMATION WRONG TELEPHONE # ALL CORRECT EMPLOYMENT DATA REPORTED : CORRECT AS OF THE REPORT MAIL TO ME XX/XX/2017 FILE # XXXX
Product: Credit card or prepaid card

I sent in payments of {$69.00} and the bank shows it cleared on XX/XX/XXXX, a {$19.00} payment and the bank shows it cleared on XX/XX/XXXX, and a {$530.00} money order on XX/XX/XXXX. XXXX/XXXX XXXX lost all three payments. They asked for proof and I sent them the banks print out of their stamp showing the two back checks were paid. The {$530.00} money order ( # XXXX ) was sent in the same envelope as another money order for {$590.00} ( # XXXX ) on XX/XX/XXXX. The {$590.00}. got applied toward my mothers credit card and shows cashed on XX/XX/XXXX. The {$530.00}. money order which was to be applied to my credit card wasnt applied to my credit card. I faxed a copy of both sides of the money orders also with instructions to contact XXXX XXXX to verify it had been cashed. 

After I faxed them the documentation, I received a letter from XXXX  stating they couldnt ( wouldnt actually ) contact XXXX XXXX to verify their own company cashed the money orders. As they were in the same envelope, I know XXXX/XXXX had to be the one to cash them both. XXXX XXXX charges a {$15.00} fee to tell you who cashed the money order. You can go through their phone system and enter the money order number in and it tells you the date it was cashed. 

XXXX essential y has done nothing to resolve their loosing these payments. Its going on two months and they still havent gotten this resolved
Product: Credit reporting 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. Account Nam
e : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account 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 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 or other personal consumer reports

Upon checking my credit report, I have discovered fraudulent account that is actively being reported on my credit repport, the fraudulent account is XXXX  XXXX with the account number XXXX. Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed TransUnion my dispute letters over thirty days ago and this company has yet to respond which is a violation of the FCRA. I also did not give this company my permission to furnish these negative items on my credit report which is a violation of 15 USC 1681 I am entitled to {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I submitted a lot of complaints regarding my concern about the removal of the XXXX that I have on my credit report. LEXISNEXIS clearly stated that they could not locate the following XXXX records on my file. XXXX XXXX XXXX XXXX If LEXISNEXIS can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and XXXX XXXX.
Product: Credit card or prepaid card

My account was closes last year, i just opened the credit cards for two months, and i pay the balance every month, and all of a sudden, my account got closed. I have been using other banks for several years, never get account closed from them.