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

SYNCHRONY BANK refuse to correct the problem with my HSN account. 
We complete a special terms promotional financing for purchase of a computer, however we sent the computer back XXXX item was returned WE were given the credit over XXXX bucks but THIS BANK refused to remove the 12 months financing off the card. The Account is set up like we are buying the computer! This account should be set up for us to pay items off in a timely matter under the terms and promotion that has been Set up by HSN. 
Note- we are including a copy of the information that is set up on the account as of today! We were told that the credit agency has set up a check system on our Synchrony Bank account. This was not a true statement- Synchrony Bank is the owner of the account. HSN is the company that we do business with therefore, we are asking for you to look into this matter- This bank refuse to carry out the terms and condition of HSN . 

Purchase XX/XX/XXXX Computer -returned but the deferred interest did not go away, if we do not have the computer and it was returned then why does a deferred payment plan for the computer is sit on the account. This is call fraud and corruption - A fraud has been committe by the Bank, it should not be a special terms or promotional of financing for the computer on the account Date Purchase Amount/ Special Terms Deferred Interest Charges Promotional Balance Expiration Date XXXX XXXX $ XXXX/DEFERRED INTEREST/WITH PAY {$27.00} {$690.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I need clarification as to why you are reporting certain information on my credit report. Please review the following ACCOUNT : XXXX XXXX of AR ACCOUNT XXXX YOU ARE REPORTING THIS ACCOUNT AS CHARGED OFF YET YOU ALSO REPORT A MONTHLY PAYMENT? DELETE XXXX ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING. After you have finished my request, send me a copy of my credit report reflecting these changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that a few 30 days late payments were supposed to be removed ON XXXX XXXX XXXX XXXX XXXX XXXX the dates were XXXX, XXXX my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreementsaccommodations.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.

The items in dispute are as follows : - ITEMS IN DISPUTE Personal Information Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX Employers : XXXX XXXX  Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX Employers : XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX, XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

USAA stole my money! They debited my loan payment from my account twice! They will not give me my money back! The duplicate payment caused my account to be overdrawn. My credit card was charged {$200.00} to cover the overdraft without my permission. My scheduled transactions are causing the account to be overdrawn even more. I called XXXX about the duplicate transaction and nothing has changed. I called XXXX  about the duplicate transaction and nothing has changed. They told me I have to wait XXXX weeks for the money that they stole to be returned to me. If it was me that owed the money, I would have to pay it immediately.
Product: Credit card or prepaid card

Happy XXXX and Happy XXXX! - How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX and XX/XX/2020 for 30 or 60 days. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/21, I received a spoof a phone call from the phone number of XXXX, I XXXX  the number and it stated that it was the XXXX middle district court house! The guy on the other line, state his name was XXXX XXXX and he stated that I was part of a crime! I have never been in trouble, I am a XXXX  XXXX with the XXXX XXXX XXXX XXXXXXXX! 
The guy demanded money from me using the app of XXXX XXXX! The spam caller caught me off guard and seem realistic and though the guy was real! 
I sent money to him by using XXXX XXXX to the name of XXXX XXXXXXXX XXXX XXXX  name of $ XXXX! I sent him money of {$500.00}, {$800.00}, {$2000.00}, {$3000.00}, {$50.00}, {$2700.00}, {$700.00}! I will provide you all receipts that I sent to him by XXXX XXXX! 
The guy then started texting me from a XXXX, Florida phone number of XXXX and sent me a email! The email he used was XXXX! Stating that he would reimburse the money back to me! 

The guy kept demanding me money and got a phone call from the guy and demanded additional {$11000.00} which I did not sent him! He said I would have to turn myself in because I didnt make the pay and report to XXXX federal court house at XXXX at night, which they were closed! 

On XX/XX/21, I have reported this to the XXXX, Florida police department, case number XXXX I have reported this to the Florida trade commission:XXXX I have also reported this to capital one case number : XXXX And also reported this to XXXX XXXX and a refund was declined! 

I will be attaching all attachments I have sent to the XXXX Florida police department!
Product: Credit reporting or other personal consumer reports

The following information should be investigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The listed inquiry was without authorization and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within 15 days of the completion of your investigation. 

Sincerely.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit report contains an inaccurate late payment for my account with XXXX XXXXXXXX XXXX. I contacted XXXX XXXX XXXX, and they confirmed that they have already submitted the necessary updates to correct this error. However, my most recent credit report still reflects the late payment, indicating that the credit bureaus have not updated my account information. 

The account in question is : Creditor Name : XXXX XXXX XXXX Account Number : XXXX. 
Date Opened : XX/XX/year>. 

I have never been late on payments for this account, and this error is unfairly damaging my credit score. This situation violates my rights under the Fair Credit Reporting Act ( FCRA ), which ensures accurate and truthful reporting of consumer information.
Product: Credit card or prepaid card

Been a card member of CitiBusiness since XXXX. We have not had a lot of fraudulent transaction regarding this company. Charges for XXXX XXXX XXXX started in XX/XX/XXXX and occurred each until XX/XX/XXXX. We paid the statement amount in full every month and disputed said charges. Below is the charge amounts for each month : Date of Charges : XX/XX/XXXX {$110.00} XX/XX/XXXX {$38.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$160.00} XX/XX/XXXX {$150.00} I am attaching documents and letters sent to Citibusiness letting them know these were fraudulent charges and we disputed them. 

Citibusiness started issuing credits against said charges in XX/XX/XXXX. Credits and dates issued are listed below : XX/XX/XXXX ( {$150.00} ) XX/XX/XXXX ( {$150.00} ) XX/XX/XXXX ( {$38.00} ) XX/XX/XXXX ( {$150.00} ) XX/XX/XXXX ( {$110.00} ) XX/XX/XXXX ( {$150.00} ) XX/XX/XXXX ( {$150.00} ) XX/XX/XXXX ( {$150.00} ) In XXXX when the last credits were issued, we consider the matter resolved and settled. 

We received a letter dated XX/XX/XXXX from Citibusiness with a copy of the merchant 's response which had inaccurate information in their dispute reversal request. They had only partial matches on the authorization information and the email address associated with the XXXX account is not associated with me or our companies. We signed the document from Citibusiness stating that I nor anyone authorized by me made this charge ( s ), along with a letter asking them to add on the auto biller updater suppression to all cards related to the account. It was faxed back over to Citibusiness on XX/XX/XXXX. 

On XX/XX/XXXX we received another letter with XXXX response to more of the charges and again supplied documents that had only partially matched authorization information and again wrong email information. They requested proof we cancelled in accordance with the merchant 's terms and conditions. Example of this proof would be a cancellation email from the merchant. On XX/XX/XXXX we signed Citibusiness form stating this wasn't a charge authorized by us and sent a letter explaining we can't provide proof of something we never signed up for. Letter and signed document were faxed back to Citibusiness on XX/XX/XXXX. 

On XX/XX/XXXX Citibusiness has sent a letter advising us the charges are being reversed and the investigation is closed. 

These are fraudulent charges and we have disputed every charge from this merchant since it began.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute with Equifax, XXXX and XXXX for XXXX XXXX XXXX and asked for a debt validation letter and was told that it would take 30 to 69 days to provide a letter. I asked for the Collection to be removed form my report during the investigation and was told tha5 it can't be removed. I received a notification stating that the collection investigation was completed and that the information was verified. I asked XXXX and Equifax to provide in writing the information used to verify the accuracy of the debt and was told that they don't have to provide that information to me that I needed to contact the collections agency. The Collection agency stated that they would send the information but ut takes up to 69 days to receive the information. XXXX deleted the Collection after stating that the collections could not be validated and that they had no proof provided from XXXX. In the midst of the collections being removed from XXXX XXXX XXXX who is believed to be a sister company of Resurgent added a collection for XXXX dollars, because they stated that my insurance didn't pay the entire bill and that I owed XXXX XXXX because of that. I never received a letter from XXXX or XXXX XXXX. XXXX finance stated that they emailed me to notify me of the bill but that they can see that there has been no activity on my email address inbox. XXXX also stated that the statue of limitations will be up in XX/XX/XXXX. A XXXX supervisor stated that they do not adhere to the Fair Crefit Reporting Act when I asked about the items being removed until the investigations are complete. Equifax and XXXX also allowed XXXX XXXX to continuously update my report monthly until I disputed the collections and proved that I didn't owe a bill due to incorrect insurance filing on the original debtors part. I was also told that even if I submit the request for debt validation in writing that it would nit make a difference because XXXX and Equifax does not provide validation of debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my XXXX credit report, I noticed that Quicken Loans made a credit inquiry on XX/XX/2021 without my explicit or written consent. I was researching the mortgage rate during that time and fill up their online form to get an idea of the generic ballpark rate. Their online form didn't clearly disclosed that they will run my credit if I fill-up the form, nor have I given any explicit permission to run my credit.
Product: Checking or savings account

I've submitted all the evidence I had, yet Chime still refuses to side with me. I believe this bank is a fake. I got a charge from XXXX that I was confused by as I didn't make the charge because I already own XXXX vehicles. I told Chime about this and I thought I could trust them with my banking needs, but obviously they can't. They were supposed to protect me in the event that something happens, but even with the overwhelming evidence I provided, they denied me XXXX SEPARATE TIMES. I showed them proof of my other vehicles, the location I was at when I was charged ( at home ), and they refuse to give me a reason why. I requested for the reason, and they basically told me the reason is because they denied my claim. That's not a reason! And at this point, if Chime doesn't decide to issue me back my hard-earned money, I will be forced to take legal action against Chime. I'm already speaking with my lawyer due to the frustrations I have to deal with. Because this is ridiculous. Chime advertises itself as a place where your money is safe and secure, yet I had over {$500.00} ripped away from me and Chime refuses to give me the money back. These " investigations '' Chime makes are not investigations. Investigations don't happen in this short of a time span. So not only am I looking into legal mitigation, I will use my social media platform of over XXXX followers to expose Chime for the things they've done to me. Chime can simply look over the emails for all of the proof I provided that I didn't make those XXXX charges. XXXX is a fraud company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported on my inquiry XX/XX/17 on my XXXX I did not apply to this creditor nor give authorization. I called both creditor and XXXX to have it removed from my inquiry no action was taken. 

XXXX XXXX reported on my inquiry XX/XX/17 on XXXX again I did not apply with this creditor nor give authorization. Called creditor and XXXX to have it removed from my inquiry no action taken. 

Capital One this was reported on my inquiry twice same day XX/XX/17 on XXXX and XXXX. Did not apply to this creditor nor authorize for credit. Called Capital One and XXXX and XXXX   to have them removed no action taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

After 3 previous attempts, starting in XXXX, and continuing through XX/XX/2020, i have asked equifax, credit reporting agency, in  certified letters, stating my name and address, proof of identification to investigate eroneous, and unverified accounts listed on my credit report, be verified with proof of my signature on contracts. After 4 attempts equifax has failed to provide me any of the documents in question, with my signature on them, according to the fair credit reporting act section 609 ( a ) ( 1 ) ( A ) THAT THEY PROVIDE ME WITH ORIGINAL, DOCUMENTION WITH MY SIGNATURE ON IT, furthermore they have failed to provide the method of verification as required under section 611 ( a ) ( 7 ) and were advised by me that under section 611 ( 5 ) ( A ) of the fcra, that states that ( ALL ) information that can not be verified be promptly deleted from my credit file!! equifaxes continuing violations of the fair credit reporting act, has  caused me to send a final letter dated XX/XX/XXXX a certified notice of pending litigation seeking relief and monetary damages under fcra section 616 & 617, and received a letter from them on XX/XX/XXXX totally ignoring, and violating my rights, to have these items promptly deleted from my credit file, i am asking that you help me in these unprecedented times, receive satisfaction, of these wrongs by the equifax credit reporting agency. thank you in advance for your help!
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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. 

List of Unauthorized 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 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

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Accounts : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 



Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of ED All of these companies 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 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

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be removed.