23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I submitted a Credit Dispute directly to chase, as permitted in the FCRA. My dispute was that I am an authorized user on my fianc 's Sapphire Card, and they are reporting that on my credit. My dispute was to have them STOP reporting this line of credit to XXXX, XXXX, and XXXX as I am ONLY an authorized user and not liable for the debt. The dispute was sent to Chase XXXX/XXXX/2016 through their online secure message center. Their terms and conditions and card member agreement to not specific an address or location to submit a credit dispute to, so as such, I submitted through this channel. On XXXX/XXXX/2016, Chase acknowledge my message. The correspondence to Chase through their message center will be attached to the case file. 

As of today, XXXX/XXXX/2016, I have not received a notice of determination as required in the FCRA. They have did not need an extension of 15 days, even so, they would still have failed to provide a required notice regardless of the outcome of my dispute within 45 days. Furthermore, as it was not deemed irrelevant or frivolous, Chase provided no notice of such within 5 days as required by the FCRA. 

Chase is now willfully in violation of the FCRA. As permitted, I request them to honor my dispute to stop reporting me to the credit bureau as an authorized user. Also, I demand a payment of {$1000.00} for Statutory Damages for their willful violation. Should Chase not do so, I will seek litigation for this matter. I will seek {$1000.00} for their willful violation in addition to damages for their negligent violation as they failed to abide by their obligations under the FCRA. 

This is a blatant violation of consumer rights and is unacceptable. ( Though my documents are scanned .PDFs, the dispute with my ID/Credit Card were sent in COLOR removing an legibility issues. ) Regards, 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.

Account Name : XXXX Account Number : XXXX XXXX XXXXe : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX  XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # 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. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Checking or savings account

On XX/XX/23, my joint account with my son had our debit card compromised/hacked. This was reported promptly by phone on XX/XX/23. The unauthorized XXXX charge of {$200.00} on XX/XX/23 had already processed. However, the XXXX XXXX XXXX fraud transactions of {$100.00} and {$200.00} on XX/XX/23 were still pending. On the phone, the Truist CSR stated that he would block the pending transactions. If they did not block them, we should give them a call later. This is obviously unacceptable, but we called again later when Truist failed to block the pending unauthorized transactions, and we subsequently signed affidavits on all of the fraud transactions. This process was cumbersome and Truist delayed at every point of the process and would never communicate. Several calls and e-mails went unreturned. The fraudulent XXXX charge was recovered. But the XXXX XXXX XXXX charges were ruled authorized by Truist. When I reviewed the dispute documentation, I noticed that Truist only investigated the {$200.00} and not the additional {$100.00}. I also noticed that the XXXX XXXX logs showed XXXX fraud/unauthorized transactions for a total of {$600.00}. Thus, our call or my son deactivating XXXX XXXX shut down the cyber-attack and limited our loss to {$300.00}. These transactions are so obviously fraud that anyone could recognize it by the activity. We do not know XXXX XXXX ( generic name ). My son has limited access to his phone at XXXX. " Regulation E Comment for 1005.2 defines 2 ( m ) Unauthorized Electronic Fund Transfer as ( 3 ) Access device obtained through robbery or fraud. An unauthorized EFT includes a transfer initiated by a person who obtained the access device from the consumer through fraud or robbery. '' This is clear non-compliance of Reg E by Truist. We were clear in our report that the charges while pending were not authorized. We were clear that the debit card had been hacked. Truist has call logs and recordings to prove that we reported the fraud while the transactions were pending and that Truist did not stop the pending unauthorized transactions. Further, Truist should have internal fraud activity logs that detect suspicious activity. The XXXX XXXX logs that Truist provided are infuriating as it shows that Truist only investigated the {$200.00} disputed transaction, not the additional {$100.00} disputed. It also shows XXXX other unsuccessful fraud attempts totaling {$300.00} that never hit our account because we caught the initial {$300.00} so quickly.
Product: Credit card or prepaid card

After submitting two written formal complaints XX/XX/XXXX and again XX/XX/XXXX with Citibank I gave up and decided to make arrangements to get the merchandise I have been paying for since XX/XX/XXXX. However when I went into the store on XX/XX/XXXX and spoke with the store Manager at XXXX XXXX he stated they credited my account back on XX/XX/XXXX and provided me a receipt to evidence. He further stated I was NOT obligated to purchase any furniture from them. So on XX/XX/XXXX I contacted Citibank and provided evidence XXXX XXXX credited back the {$4000.00} ON XX/XX/XXXX and requested they provide me the {$4000.00} credit I had been due for MONTHS. About two weeks later I received a letter stating they did there so called research and I still owed the money. FURTHERMORE they told me they would no longer accept calls or written communication pertaining to this dispute. Then about one week later I got another letter stating to contact them because they needed to collect additional information?? I called and spoke with the representative who re-opened the dispute and claimed it would be investigated properly. Today I received a letter dated XX/XX/XXXX telling me to contact the sales manager at XXXX XXXX about my credit???? At this point the store and Citibank appear to be in cohorts because now they are back to trying to brow beat me into purchasing an item I NEVER authorized from the beginning. I am appalled at the deceit and dishonesty both companies have displayed since the start of this transaction. I never signed the credit authorization giving Citibank the right to charge my account, but they INSISTED an order for furniture can be used in lieu of a I signed credit authorization slip. I told them an order does NOT give you the authority to charge the card, but they are ONLY interested in only BROW beating consumers in order to turn a profit. I did NOT AUTHORIZE the initial charge and provided evidence of the UNSIGNED authorization form. They then claimed it was the stores policy for NO refund, however I have evidence the store credited it back the FULL amount on XX/XX/XXXX and I have been making payments since XX/XX/XXXX for merchandise I do not have and apparently I should have had a XXXX balance since the 1st initial dispute in XX/XX/XXXX I used my debit card with XXXX for part of the transaction and they gave my {$700.00} back in XX/XX/XXXX. Why does CITIBANK think they are entitled to {$4000.00} of my money when I don't have merchandise NOR did I authorize the charge AND they received the money back from XXXX XXXX??
Product: Debt collection

I was called 3 times today XX/XX/17. They wanted a payment. I authorized {$10.00} they took {$16.00}. This will cause an overdraft on my checking account. I called the company back and told them I did not authorize the {$16.00} and want all the money returned to my account. They said this will take 5 days. It only took a couple of seconds to get it from my account. I do owe XXXX XXXX XXXX XXXX for this and was told I could pay over time. This company calls me several times a day and I tell them the same thing each time they call.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX Balance XXXX {$2000.00} XXXX Inquired on XX/XX/ XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/ XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are XXXX XXXX XXXX : {$1600.00} : Open : XX/XX/XXXX XXXX XXXX : {$3000.00} : Open : XXXX XXXX XXXX : {$670.00} : Open : XX/XX/XXXX Hard Inquiry : XXXX XXXX Based on the CFPB recent lawsuit against the unethical agencies for sham investigations of consumer disputes and improper reinsertion of deleted information, I am concerned that you may fail to meet your obligations under federal law. Inaccurate information has already negatively impacted my ability to obtain credit. I request that your agency to conduct a comprehensive investigation of the disputed accounts and inquiries, provide me with verifiable documentation, such as signed contracts, substantiating the legitimacy of the disputed entries, and permanently delete any fraudulent information from my credit report. 
Failure to comply with the FCRA and other applicable laws will result in legal action, as seen in cases such as XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX, XXXX ).
Product: Credit card

Ive been an American Express client since XXXX having credit card and savings accounts with them. My current credit card with them is the XXXX XXXX XXXX, which has an expiration date of XX/XX/XXXX. I also have a high yield savings account with Amex that I opened several years ago. 

On Thursday, XX/XX/XXXX I logged into my American Express app in order to view my rewards points. Unfortunately, once I logged in I was notified that my credit card was cancelled by American Express due to inactivity. Next, I called American Express to find out what happened and whether I could still access my rewards points. The agent told me that my account was closed in XX/XX/XXXX due to inactivity and that my points were forfeited. The agent told me that that they notified me about the closing. I never received any notification about the matter. The agent told me that they didnt have my email address on file but that they sent it to my mailing address. Unfortunately, I never saw the mail notifying me of my account closure. I feel that American Express has wrongly closed my account because it did not adequately notify me about my account closure. Had they done so, I could have made the necessary steps to avoid losing my rewards points. 

I have lost XXXX rewards points due to their deceptive account closure. I would like to get these points back as I earned these points through my customer spend.
Product: Credit card or prepaid card

I can not reach a person to make payment arrangements nor do I agree with the balance shown on XXXX TransUnion and any other credit agency XXXX XXXX Walmart responded to you about my first complaint and nothing in her response was true nor was I able to reach her or the number she provided to make payment arrangements
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a debt settlement to IQ Data International on the basis of a pay-to-delete. I have requested multiple times for a validation of debt and they refused until I paid the debt. After contacting the original creditor they stated that I have no debt obligation with them and any amount I paid the collection agency would result in the removal of the account from my report. IQ Data has yet to honor this on the basis of " recorded agreement ''. Although the account is " settled '' I would like for IQ Data to substantiate their right to provide derogatory and fraudulent information to my reports which should have been removed.
Product: Mortgage

I made my payment in XXXX and went in to forbearance because of Covid-19, I called SLS multiple times and didn't get any help over the phone. I was told I was going to be sent something in the mail but nothing was ever received. I was reported late in XXXX and I am not late. I even scheduled two payments to be caught up in XXXX. Because of the pandemic there is no reason i should have been reported late.
Product: Debt collection

This company employs very verbally abusive people to yell at those they call. They threaten, mock, interrupt attempts to speak, and refuse to listen to requests for change of venue for paperwork served. They hung up on me several times when I just wanted to request a change of venue. When I said I would dispute the charges, they again hung up after yelling at me.
Product: Credit reporting, credit repair services, or other personal consumer reports

ARS is verifying an incorrect inaccurate Bankruptcy on my report and is refusing to correct the inaccurate reporting or send me a report under the FCRA i am entitled to fair reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a l sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 120 days later, I have not received a response regarding these accounts. I feel like I'm being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove these items from my report. Because it has been over 120 days, these items are long overdue for removal. I demand these accounts be validated or be removed immediately or I will be forced to file for litigation for the mental anguish these accounts have caused me. My data was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Product: Credit reporting or other personal consumer reports

am writing to bring to your attention a concerning issue regarding fraudulent information on my Experian credit report. The erroneous entry is an address listing at XXXX XXXX XXXX XXXX, XXXX, Florida XXXX, which I have never lived at nor do I have any association with it. 
Upon discovering this incorrect information, I immediately contacted Experian to dispute the address. Experian advised me to contact XXXX XXXX XXXXXXXX, the institution that reported this address, to request its removal. I followed their advice and contacted XXXX XXXX XXXXXXXX on XX/XX/year>, to resolve the matter. However, despite my efforts, XXXX XXXX XXXXXXXX was unable to assist in removing this fraudulent address from my credit report. 
This erroneous address listing is damaging my creditworthiness and could potentially impact my financial standing. I am concerned about the accuracy of my credit report and seek your intervention to rectify this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 


XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX XXXX
Product: Debt collection

That account appear on my credit report XX/XX/2018, I am not aware of that account.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Product: Mortgage

My dad is XXXX, so I am paying the mortgage on his house. 

Every time I call Freedom Mortgage to pay, they come up with some new problem, and at this point, I'm wondering if it's intentional or if there is some type of scam happening. 

I paid the XXXX mortgage on XX/XX/XXXX and the XXXX mortgage on XX/XX/XXXX. The money was taken out of the same account both times. 

However, when I called to pay the XXXX mortgage on XX/XX/XXXX, they stated that they never received my XX/XX/XXXX payment and the Bank told them the account was closed. Which is not true, because they took the money out of the account, and they took the same amount out of the same account on XX/XX/XXXX, so they know the account isn't closed. Also, I talked to the bank and they said they never told them the account was closed and verified they sent the money ( as it shows on my XXXX statement ). So, now Freedom Mortgage has the money for the XXXX mortgage, they just won't give me credit for it and gave me a ridiculous story about why not.
Product: Debt collection

Company called " Portfolio '' continues to call me from MANY different phone numbers. I have XXXX debt outside of current mortgages.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a discrepancy of a late payment for my Exeter account. For my XXXX and XXXX account, it is stating that I was 30 days late only in XXXX. However, for XXXX, it is stating that I was late 30 days in XXXX only. 

Also, there is a discrepancy in the balance of my loan amount. For XXXX and XXXX, it is showing a balance of {$19000.00}, but for XXXX the balance {$19000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

forced placed coverage my mortgage company put a {$2000.00} plus coverage .on my mortgage they put maximum amount of coverage i payed to have survey to prove no flood zone so they removed the policy so now i pay around {$200.00} extra until i pay off the {$2000.00} coverage please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

There exist an undocumented and supported public record on my credit report in regards to a federal bankruptcy. I am submitting documentation to support the credit bureaus are fraudulently and falsely stating they have verified the source of the information from the federal bankruptcy courts, which is a " false statement! '' The attached communication from the United States Federal Bankruptcy Court of the Southern District of  Florida to the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, Florida XXXX ) clearly states the court does not provide information to the credit bureaus to include XXXX, XXXX and Trans-Union. 
Also, these companies are using a practice that targets XXXX XXXX to the extent there exist a less of standard to verify credit dispute issues. In this matter there is no verification from any creditor or business there exist a debt associated with a federal bankruptcy. As well as there does not exist a verification through the use of my SOCIAL SECURITY NUMBER from the source of the public record. 
I am attaching documentation that reveals the falsehoods of these three credit companies.