23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I purchased food from an XXXX XXXX XXXX ( which uses camera to detect what people took and automatically charges the customer ) on XX/XX/2023. However, I was overcharged for something I didn't purchase - I was handing over a burger to someone else but the camera thought I was the one buying it. After realizing this, I tried to contact the store but because it was XXXX, I got no response. So I contacted Capital One instead to get back the overcharged portion. Capital One received my request along with the evidence but denied it without any meaningful investigation.
Product: Debt collection

On XX/XX/XXXX my spouse, XXXX XXXX XXXX, was killed while on an XXXX overseas assignment. Between XX/XX/XXXX and XX/XX/XXXX, I notified all credit card companies/creditors of his death and provided a copy of the XXXX XXXX Notice of Death that was sent to me by the State Department. 
There was no estate or Probate. 
I was notified by all credit card companies/creditors that my spouse 's debts would be discharged and there would be no other communication. 
On XX/XX/XXXX I received a 1099-c from Synchrony Bank in my spouse 's name. 
The Cancellation of Debt in the amount of {$9800.00} was based on an identifiable event occurring on XX/XX/XXXX. This date has no legal significance or relationship to my spouse 's death in XXXX. 
I contacted the IRS assistance telephone line and was advised that Synchrony has processed the debt incorrectly and now must issue a corrected 1099-C XXXX  out all amounts.The debt was not cancelled, it must be discharged due to the death of the debtor. 
I spoke with 'XXXX  XXXX and 'XXXX  ' at the Synchrony number and was advised to just ignore the 1099C. It  doesn't work that way. Since the XXXX is still processing travel reimbursements for my husband, unless Lowe's/Synchrony issues a correct ( XXXX ) 1099C, I will be forced to pay taxes on the {$9800.00}. 
All the other credit card companies/creditors handled the situation correctly, now it is Synchrony Bank 's turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

On. XX/XX/2023. I received a email from U S. DEPT OF EDUCATION CONFIRMATION MY APPROVAL OF THE SWEET VS. CARDONA CASE.

MY BURROWER DEFENSE APPLICATION WAS APPROVED WHICH MEANS TOTAL LOAN DISCHARGE {$14000.00} DEBT AMOUNT NEEDS TO BE REMOVED FOR MY CREDIT FILES WITH XXXX XXXX AND EXPERIAN. IMMEDIATELY THANK YOU. Please review attached verification letters for ( 2 ) student loans PLEASE REMOVE ALL TOTAL DEBT
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX
XXXX NY XXXX XXXX
To whom it may concern,
I am reminding you once again that you must remove any claims listed above or below that have not met the
minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts
of each allegation and adhere to the necessary reporting practices mandated by the XXXX  Metro 2
Compliance standards, then I contest the reportability of any such claim. The XXXX XXXX  stipulates that
"ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA." Therefore,
it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand
that you remove any such claim immediately from reporting as I have requested.
Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance: XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Last Active XXXX XXXX XXXX Account Type XXXX XXXX XXXX XXXX Balance XXXX XXXX Date of Last Payment XXXX XXXX XXXX Account Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment Status XXXX XXXXChargeoff No. of Months (terms) XXXX XXXX XXXX XXXX Charged off account , Transferred to recovery ,
This account needs to be validated. - Remove on my report immediately!
I express my deep disappointment regarding your failure to provide documented evidence of compliance with
reporting standards and relevant consumer laws. This deficiency is of utmost significance. I kindly request
that you promptly remove this flawed and inaccurate report, as failure to do so will leave us with no choice but
to initiate legal proceedings against your company for its non-compliance with specific legal requirements in
these matters. It is imperative that we are aware of the nature of the information presented in documentaries
to avoid being unprepared when confronted with adverse situations that could have been prevented had there
been proper attention paid to accuracy instead of mere convenience.
Please be advised that I have no intention of renewing the expired statute of limitations, and therefore I kindly
request that you cease all further contact with me. I anticipate that this will be our final communication on this
matter.
SincerelyXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX and I had been a Commenity Bank credit card holder for over 6 years. In XXXX and XXXX of XXXX Comenity Bank decided to close both my Lane Bryant and XXXX XXXX. I was told that the account were closed due to some negative information on my credit report. I found this out after I was trying to purchase items to buy in the store. I called customer service and they said that there were negative items that were on my credit report and they decided to part ways and shut down my accounts after 6 years of on time payment history. I was never late and always paid on time. I was entirely shocked and couldn't believe it at all. So I contact the credit bureaus and the items that were negative were not mines. These accounts were opened without my authorization. So I disputed the items as fraud I had to go and get a police report and FTC Affidavit and I forwarded these items to the credit bureaus and within a month or so the items were removed due to identity fraud. So having this new information I then mailed all these documents to commenity to show them that my accounts should be reopened as those negative items have since been removed as identity fraud. I called customer service and explained to them and they pulled up the documents and said this to me. The account was closed and they were unable to reopen the account and the representative also stated that they had received the documents before the account was fully closed but basically they dropped the ball and didn't update the account and just let it close. I said well you have the proof reopen and she said there is nothing that she could do it was out of here hands. I asked for a supervisor and still got the same response that yes we got the documents but there was nothing they could do because the account closed. I was livid this made absolutely no sense. If you know that Comenity made an error then your supposed to correct it. All I wanted was my accounts to be opened and then that was that. But all I received was the same events over and over. Nothing has been rectified and its not right at all. I need this to be resolved correctly and the accounts to be opened. I even tried to reapply and was denied because of the status of my other accounts and they told me to reapply and still didn't do anything
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX continues to report to my consumer credit report, yet has failed to produce a valid security agreement with my personal private source data information on it. The address on the XXXX XXXX account has never belong to me, and I continue to contest that XXXX XXXX XXXX XXXX does not have written permission or consent to share my information with a third party, in which they have been sharing invalid information and has been damaging to the consumer credit extension and worthiness.
Product: Credit card or prepaid card

Chase Business Card Services contacted me in early XXXX saying they needed to verify my company 's legal status. According to them, I could do this by submitting either my social security number, my companies ' FEIN, or resale number. I believe there was a XX/XX/XXXX deadline to provide this information, or else my account would be closed. 

I called Chase in late XXXX / early XXXX and spoke to a customer relations person. I gave that person my company FEIN, and was told that ( for some reason unknown to me ) they were not able to verify the information I gave them. The person then asked me to fax them documentation that included my company FEIN, such as a tax return or a business license, which included my company resale number. I did so on XX/XX/XXXX by faxing them my company business license, which included my company resale number AND my company FEIN. I have proof of sending this fax. 

So, I submitted the information they requested WITHIN their time deadline. 

I received a letter from Chase dated XX/XX/XXXXsaying thank you for submitting the documents they requested, but that the information was not complete and my account will remain closed ( it should not have closed in the first place ). 

I want my account re-opened. NOt only does my company need access to credit, there is now information in my companies credit profile that states credit has been taken away by Chase, which ofcourse is detrimental to my company. I have been current in all my credit accounts, personal and business, including the account in question.
Product: Credit card or prepaid card

I have funds on my Nevada unemployment card. However I do not have a prepaid debit card to access my account I have called the online number I also have called the unemployment I have not been able to reach anybody I also have written emails I need a card sent to my new address please
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Mortgage

NEW COMPLAINT ON LOAN NUMBER XXXX WITH SLS THIS IS A QUALIFIED WRITTEN REQUEST THAT SLS PROVIDE PROOF OF OWNERSHIP. PLEASE SUPPORT CLAIM OF OWNERSHIP OR REQUEST TO SERVICE MORTGAGE. ALSO PROOF OF OWNERSHIP OF THE ASSIGNMENT OF RIGHTS TO SERVICE MY LOAN XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

Car/lease was paid off in full from my car insurance due to total loss on XX/XX/20 For XXXX. 
On my credit it is showing XXXX from this company Chrysler Capital. 
I called. Chrysler Capital, according to them car was paid off in full and they dont know about the XXXX on my credit. 
No one could help.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized accounts on my credit report during a recent review. Kindly remove these fraudulent entries, as they are obstructing my ability to obtain credit. These accounts are unfamiliar to me. 

Name : XXXX Account Number : XXXX Opened Date : XX/XX/XXXX Balance : {$5100.00} Name : XXXX  Account Number : XXXX Opened Date : XX/XX/XXXX Balance : {$0.00}
Product: Credit card or prepaid card

Chase erroneously charged me interest on my credit card for over a year even though I pay my bill in full each month. When I brought this to their attention, they agreed the charges were incorrect and would credit them. Chases crediting does not seem to include all of the erroneous interest changes. Additionally, since they changed me an additional $ XXXX that I timely paid to them, I should receive interest on the funds that they held of mine.
Product: Money transfer, virtual currency, or money service

We issued an internal transfer from mercury bank on the XXXX of XXXX. The beneficiary bank is XXXX XXXX and XXXX XXXX is the intermediary bank. When issuing the transfer, there was a wrong entry for the beneficiary details : -we added XXXX XXXX XXXX the final recipient and not XXXX XXXX -we added account name that does not match the account number The money was deducted from our balances, and neither landed in its final destination, or reversed back to our accounts. We are in contact with XXXXXXXX XXXX but they keep advising to talk with either XXXX XXXX or XXXX XXXX. XXXX XXXX advises that it's not it's matter, and XXXX XXXX is not reachable since we don't have accounts there. 

On the XXXX of XXXX we issued our first recall request from mercury followed by other multiple recall requests, but never received a response based on our communication with mercury. 

XXXX XXXX advises to use the XXXX for tracking : XXXX is XXXX
Product: Credit card

PAYPAL continues in bad faith to not send me a paper copy of my statement and no emails from them. The account is closed and they keep charging me $ XXXX dollars a month in late fees.

Ive got a written lie statement they sent to the NYS Attorney General in the past stating they will send monthly statements and have not.

I have no way to see the account and it is closed every transaction in XXXX has just been late fees where the company takes advantage of low income customers. This is very wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I made a payment to my credit of {$350.00} during this phone call the agent offered me a due date change from the XXXX to the XXXX which would give more time in my cycle to pay the bill. I asked if my balance would report on the XXXX of XXXX the representative advised that yes it would report however she failed to advise me that the new cycle would change the reporting date to the XXXX of the month on XX/XX/2021 I contacted XXXX XXXX  again in reference to the reporting I spoke with 2 reps they both advised me because I had great payment history my payments post immediately and my account would report at XXXX On XX/XX/2021 I received not only an alert from Experian that my score had dropped 21 points but ALSO my lender to tell me that I can not close on my newly built home because my FICO 2 also dropped to XXXX I immediately contacted XXXX XXXX and they escalated to several managers I had been speaking with a manager by the name of XXXX who advised me to make yet another payment of {$500.00} and she would do a courtesy correction to the report on XX/XX/XXXX I advised there should be no courtesy as if I was advised correctly we would not be having this conversation I spoke with another rep who advised that whenever they offer a due date change they have to disclose the cycle changing and if the cycle is soon they have to advise this information Here it is day 5 and no resolutions from XXXX  each agent says something totally different I am unable to speak with upper manager or the credit reporting department to file a formal complaint I am due to close on home I have a sales contract if needed and I can not close on XX/XX/2021 because of this
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # 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.
Product: Credit card or prepaid card

On XX/XX/XXXX, I used the Discover online system to check the balance of my Discover balance transfer, which is due XX/XX/XXXX. I was unable to find the total on the website or on my statement. Because the information was not available online, I used the online email system to request my balance transfer remaining balance. The reason that I was checking is because since XX/XX/XXXX, my payments towards this balance transfer have been anywhere from {$1500.00} to {$5000.00} monthly. This was done to ensure that my total balance transfer was paid in full by the due date. I was expecting to be close to paying this off, if not having paid it off in full already. 

On XX/XX/XXXX, Discover responded and informed me that only the minimal balance of my balance transfer was paid out of each {$1500.00} to {$5000.00} monthly payment. Many months, the minimal balance is only {$120.00}. If only the minimal balance is being applied to the transfer balance, this is a company practice that guarantees that I would not fulfill my obligation of paying off the balance transfer by XX/XX/XXXX. 

On XX/XX/XXXX, I responded asking what I needed to do to be able to dictate that enough of my monthly payment was applied to my balance transfer to ensure that the balance was paid off in full by XX/XX/XXXX. Discover responded with the same canned text without answering my question. 

Of note, my balance transfer of {$10000.00} ( acquired XX/XX/XXXX ) has a remaining balance of {$5800.00}, despite my making {$20000.00} in payments since XX/XX/XXXX. 

I am filing this complaint for two reasons. I believe that Discover 's  practice of applying my payments to only the minimal balance of the balance transfer is deceptive and intended to trick the consumer into missing the deadline for full payment, which allows them to charge all of the interest that was previously withheld. My second reason is because Discover needs to be held responsible for correcting this process so that a less saavy consumer would not be taken advantage of. 

Of note, nowhere on the website or my statement does it display my balance transfer total as opposed to my total balance, which was why I contacted them in the first place. This is also intended to hide their deceptive practices and needs to be remedied.
Product: Debt collection

My credit score decreased and my credit limit on my credit cards decreased first, then my score went down. The company started calling me to make arrangements, on the debt they said I owed. I tried asking them what the was the name of the company, that I said owed on a debt because I hadn't taken any debt out. They asked if I wanted it disputed and I said yes. They mailed me a letter stating that it was XXXX and I electronically signed up for an XXXX XXXX XXXX. They had my name and address on the form, but there was a different email address on the paperwork, it was someone else email address. I did not sign up for this vacation. They also have it listed on my credit report twice for XXXX different amounts. The first amount is {$2700.00}, the second amount is {$3700.00}. I've also start receiving accessive emails from random things.
Product: Credit reporting

In 2007, I was a victim of identity theft. As a result, the IRS and the State of California XXXX XXXX XXXX charged that I owed them a tax debt, which I disputed. Before we reached a resolution, the XXXX and XXXX reported the tax liens to the XXXX credit bureaus, XXXX of which was Equifax. After several years of disputing the debt with the XXXX, and with the help of the XXXX Advocacy group, the XXXX conceded that I did not owe the debt, thus meaning that I did not owe monies to the XXXX either, and removed it from my tax file. However, Equifax has since refused to remove it from my credit report, despite multiple calls and visits to the local offices reporting the debt. I 've been trying for years to get Equifax to remove it, but because it 's the XXXX and State of California XXXX supposedly reporting it, Equifax does n't want to do it. I finally called the XXXX Advocacy group again and they confirmed that they have no record of the debt because it was removed, since I proved it was n't my debt. They recommended that I get the FTC involved to force Equifax to remove the tax lien history from my credit profile. Currently, there are several tax liens that show " paid/satisfied, '' but that implies that I owed the debt at XXXX time and paid it off, neither of which is true. Because the debt was never mine, any and all record of the tax liens should be stricken from my credit profile. As result of having those liens reported, although showing " satisfied, '' my credit scores are being severely affected and I 'm having to pay much higher interest rates and getting denied from necessary credit. I need your help in having all of the erroneous tax liens appearing on my credit report, both on the Federal and State level, to be removed once and for all.