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

XXXX XXXX, XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Please remove the following fraudulent inquires from my Equifax credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX  have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.
Product: Credit card or prepaid card

Chase credit card has changed their credit card so they they can charge cash advance fees on transactions that are " Cash-like transactions '' even though these are proper credit card transactions that Chase charges their regular fees to the merchant. Examples that Chase has cited, and has charged me for only in 2020 forward is for person to person money transfers ( payments for services ), account-funding ( like freelancer, or payments for service on XXXX ) and transactions that include currency transfer. Also included is using a 3rd party service for bill payments. 

These transactions are not cash advances. And hence should not treated like cash advances. The full credit card merchant fees were paid. Chase is trying to make more money from made up fees and taking advantage of the consumer. 

These types of transactions have been happening on XXXX for decades and other companies. Chase is trying keep a monopoly while squeezing out the other competitors. 

And they are trying to make more money off fees instead of legitimate banking. 

Visa has allowed a MERCHANT category for these transactions. However this is a MERCHANT categeory and not a Transaction category which would show if this is a real cash advance or not. 

Chase has no additional cost to these regular transactions as they are simply a credit card transaction like a purchase of anything else. 

Chase needs to be stopped from gouging the consumer with these extra fees that are hard to even assess when I am making the transaction to pay for a service. 

XXXX card has no such fees. nor do their try to take advantage of the customer with all these obtuse fees. I have not checked the other credit card companies.
Product: Debt collection

I noticed in XX/XX/XXXX that Trident Asset Management added an account for XXXX to my credit report. I contacted XXXX and they stated that the account was sold to Trident Asset Management. The charges were for un-returned XXXX XXXX equipment. I moved from XXXX County Maryland to XXXX County Maryland in XX/XX/XXXX. My XXXX XXXX equipment was returned to XXXX via XXXX in XX/XX/XXXX. XXXX states they can no longer view my account in their system and can not assist with the tracking of my returned equipment. I have disputed this account several times with the 3 credit bureaus to no avail. Trident Asset Management continues to verify the debt is valid. To this date, I have never received a bill for equipment from XXXX or Trident Asset Management. I have pleaded with both organizations to assist me in tracking and both continue to ignore me. My credit score has been damaged severely due to Trident 's re-aging of the account and unwillingness to address and obvious error on XXXX 's behalf. Trident has chosen to update my credit report to reflect that the " open date '' is XX/XX/XXXX. I have a previous credit report that clearly states the account charges originated in XX/XX/XXXX. Please help ... I just want justice for a debt i do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of the Georgia Statute of limitations OCGA 9-3-24, OCGA 9-3-25 and FCRA. Experian is continuing to report debt with XXXX XXXX in the amount of {$300.00}. The mentioned debt is over 7 years old as of XX/XX/2017.
Product: Credit card or prepaid card

There a capital one credit card on my account I never apply for it I need it to be remove from my account I talk to them and that act like they dont see it and it showing up on my credit
Product: Credit card or prepaid card

I have various credit cards serviced by Synchrony Bank, Qcard, PayPal, Wall Mart, Sam 's Club Master card. It took me a while to figure this company out but what they do is " forget '' to send a bill for a month and then in the next billing cycle you have late fees added on, then the next day you get a letter reducing your credit limit. I had been in excellent standing with these credit cards for years until Synchrony bank took over the accounts. There are so many people complaining on XXXX and people I know personally who are having the same issue. Something needs to be done. They also call you 5 times a day and all day Sunday if you " missed '' a payment. I had never missed a payment until these crooks took over. Please look into their practices.
Product: Mortgage

Ditech took over my Greentree account. I am no longer able to access my online account, where I should be able to view and print my mortgage interest statement. I have requested that Ditech either restore my online account access or provide me a hard copy of my statement. They have failed to comply and have not responded to my communication. I can not file my 2015 income taxes without this form.
Product: Debt collection

I received a letter from Chase on my credit card account ending in XXXX offering me to settle the account in the amount of {$1600.00}. I have already settled this account with XXXX XXXX XXXX which took over the collection and paid them in 3 installments as agreed upon. I have attached the copies of the cashed checks as well as Chase 's letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under XXXX5 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : NAME : XXXX XXXX 2. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I have fraudulent accounts on my report. I am also a victim of Equifax data breach. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

I did not give consent to these accounts. Or permissible purpose to anyone to publish these accounts.

I am holding them liable under 15 usc 1681n and 1681o for actual, statutory, punitive damages.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 

I want this account deleted immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute  XXXX XXXX XXXX all filed to the ftc
Product: Mortgage

About 2 months ago, I received an account statement from a company called Real Time Resolutions from XXXX, TX, the statement said that I owed {$17000.00} from a Property in XXXX XXXX, which I never relocated to that state for anything at all. So I called and they said they would do an investigation and get back with me. As of this day, they have not done an investigation for this home, they even ask me for my social security number, and the person I spoke with said it didn't match my number, so why are they still sending me statements regarding this property, which I never been or will go to XXXX to live. I live in California all my life, and now that I am XXXX years of age, I have no plans of moving to XXXX, XXXX.
Product: Debt collection

LVNV Funding filed a lawsuit against me back on XX/XX/XXXX in Ohio. By XX/XX/XXXX never heard anything about this judgement again and ignored it originally because had no clue what it was for.. They submitted a judgement to revive debt in XX/XX/XXXX clearly 6 yrs later and I believe OHIO has a statue of limitations on debt collection after 6 yrs that they no longer can. When judgement came in XX/XX/XXXX. I failed to respond due to mother being diagnosed with XXXX at that same time and it completely slipped my mind. Now XX/XX/XXXX they have filed to garnish non wages meaning attach my bank acct. I have no idea first off what debt this is for at All. Secondly how can they come after me after statue if limitations had expired. I need help on what to do to stop this!
Product: Checking or savings account

4 of my paychecks from XXXX XXXX were not directly deposited into my account- the wrong account number was accidentally given on my direct deposit - XXXX XXXX ( XXXX XXXX XXXX  ) attempted to get funds returned but credit karma/ XXXX  refused to return the funds nor did they deposit the checks in question into the correct account even after the mistake was identified by XXXX XXXX and myself .. checks are dated XXXX through XX/XX/2022 - Credit karma / XXXX  requested the trace ID numbers- the I.D . numbers were provided with copies of the checks from XXXX XXXX ( XXXX ) and they insist that no such trace ID number exists despite the fact that we have the copies from XXXX XXXX!!!
Product: Credit reporting

I paid XXXX XXXX XXXX back in XXXX. They sent a letter to all XXXX credit bureaus and my wife and I showing that the account was satisfied in full. The problem is that all the credit bureaus are reporting this account in the remark section as " settled for less than full amount ''. I asked them all to remove the remark from this account. I uploaded and faxed documentation from XXXX XXXX XXXX showing this account was satisfied in full. It 's now XXXX, and we are in the final process of getting our XXXX home, and the remark is still showing on our reports. We need to have the remark removed.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  XXXX number : XXXX
Product: Credit reporting or other personal consumer reports

Its been effecting my credit for 7 years now i had my identity stolen and capital one and XXXX XXXX XXXX  kepts showing on my report
Product: Credit card

I got a text from JPMorgan Chase saying that my debit card is temporarily disabled, even though I dont have one.
Product: Credit reporting

I have disputed with XXXX, XXXX, Experian, about their practices of putting stuff on my credit report. I wanted proof from all on how they verified that these accounts belong to me. I have instances where one of the accounts stated they only verified that first XXXX digits of my SS # and the debt was listed on all XXXX of my accounts. I only proof that I will accept from all XXXX of these credit bureaus is a signature showing my name where I requested credit from each of these debtors. Using the first XXXX digits of my social security is not enough. If they ca n't or have not verified with a copy of my signature on the original loan, credit card or whatever I want the charges removed from all three credit bureaus. I have attached the accounts in questions, XXXX ( XXXX credit cards ), XXXX XXXX ( XXXX credit cards ). As you can tell XXXX XXXX shows that I made a payment on XX/XX/2016 and I do n't even have a credit card with them.
Product: Mortgage

Planet Home Lending LLC ( PHL ), located at XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX, has consistently and inaccurately represented payment history ; knowing they failed to provide necessary notifications and despite repeated attempts to resolve issues regarding inaccuracies. Having no other option, since they will not correct ( or at least provide complete information ), selecting rather to report and maintain inaccuracies, negatively impacting our credit score, we are filing a complaint with the CFPB. 

In or around XX/XX/2018, automatic debits were set up, by us, with PHL, to retrieve mortgage payments. Although PHL sent us confirmation showing that the automatic payment would be debited from our account for our next payment, for whatever reason, they did not retrieve the funds. Upon this realization, we contacted PHL, paid the amount in full, sent them the confirmation regarding the automatic debits, sent to us by them documenting their assertion that the draft was to be taken out. Nonetheless, they reported the payment as late. 

The first CSR we spoke with indicated that the error was indeed theirs and stated that the records would be updated. However, that never occurred. Many subsequent calls later, they eventually stated they needed twenty-five ( 25 ) days to review the records and make an assessment. When we followed up with them, we were told for the first time, that it may have taken up to thirty days for the debit process to initiate- a factor never disclosed to us at any time. We petitioned for them to update our records, since we were never notified about that thirty day window and in fact were informed of quite the opposite, but that only resulted in a report to the credit bureaus.

While we are not arguing that the responsibility remains ours, it is a shady and sloppy company indeed, that receives its payment in full, after improperly informing a consumer of that company 's policy/procedures - one that could have a negative impact on the consumer, a consumer that has been with the company for over a decade, the company is notified of their inaccuracy, but then files that report with the Credit Bureaus anyway. 

In addition, PHL also reported two payments as late in XX/XX/2018 and XX/XX/XXXX- neither was. 

Consumers have very little power against corporations, and rely on them to have sound policies and practices- particularly when those corporations have the awesome responsibility of negatively impacting that consumer for seven years at a stretch. For the most part, many corporations seem to respect that responsibility, while others, like PHL, do not. PHL rather, has abused that power. My experience with them, even beyond this one, has shown them to be sloppy at best and negligent at worst. Further, even though they have a legal duty to correct inaccuracies, they have failed to do so. 

This company 's practices and policies, should they exist, be investigated and they should be fined when they are found lacking.
Product: Debt collection

I was never told I owed a debt directly from XXXX XXXX and was under the impression for how it was billed out I would get a refund for my deposit and would clear out what I owed from the appartment I used to live at on XXXX XXXX in XXXX  XXXXXXXX XXXX. That was not the case and I moved and never received any statements. I checked my credit report in summer 2024 and found out about it. I paid XXXXXXXX XXXX directly and yet I have a collection showing paid through XXXX XXXX XXXX. When I talked to evergy they said the would recall the debt and the collections would be removed completely. 

That is not the case and I have been trying to dispute this with XXXX. They have not helped me once and keep on investigating it but now have marked it paid? I was told twice by XXXX and they gavec me a letter I have since forwarded to XXXX and disputed and no updates have occured. Credit World will not talk to me without saying I am not trying to dispute which is what I have been trying to do, and XXXX has my account at zero balance. Creditworld and XXXX are holding me up from getting a home loan and damaging my credit. XXXX I am asking you to please investigate XXXX and CreditWorld Services for their ilegal practices and not making things right!
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX, I opened a new Checking Account with First Horizon Bank in XXXX in XXXX under a promotion that I received via email. The promotion offered a {$450.00} bonus for making qualifying direct deposits totalling at least {$1000.00} within 90 days of account opening, payable within XXXX business days after qualifying activities, which include keeping the account open for 90 days. Ten business days from 90 days after account opening would have been XX/XX/XXXX. I made several direct deposits into my account totalling more than {$1000.00} within the first 90 days, detailed below. On XX/XX/XXXX, I reached out to the Bank XXXX, XXXX XXXX, who opened the account for me. He agreed my incentive was overdue. He said he sent an email to their promotions department. 

Here 's the timeline of events : XX/XX/year> - Account Opening Here are a few Direct Deposits totalling over {$1200.00}, though I had several more : XX/XX/year> - {$220.00} XX/XX/year> - {$120.00} XX/XX/year> - {$430.00} XX/XX/year> - {$29.00} XX/XX/year> - {$380.00} XX/XX/year> - XXXX business days after 90 days from account opening, no reward, called XXXX XXXX who said he will send an inquiry XX/XX/year> - Emailed XXXX XXXX to follow up, no response XX/XX/year> - Tried calling XXXX, no luck, called Customer Service XXXX. Customer Service rep XXXX said the Promo code was not in my application, to which I replied that upon account opening, I asked XXXX XXXX explicitly to make sure the promo code was entered. She sent a detailed message to XXXX. Later in the day, I got a hold of XXXX who said he put the promo code in but that it was not transmitted to another system. He said he was in touch with their Promo Dept and that I am in the queue for resolution XX/XX/year> - Sent a secure message on the XXXX site to follow up, no response XX/XX/year> - XXXX was not returning my calls so I called the main branch number and insisted on talking to XXXX. XXXX just said he was taking it up with the XXXX XXXX. It's been ONE FULL WEEK since we last talked when he said they are working on a resolution, and TWO WEEKS past the last day for fulfillment of the reward according to the promo terms