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

Im a young father of XXXX who lost his job during covid. Best Buy has made a ton of money off of me already and Im asking for a one time good will adjustment to remove all the interest charges on my credit card promotional balances that are causing me have payments I cant afford, and interest that is overwhelming and ruining my credit. Please find it in your hearts to help remove these interest charges and help a long time customer
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : I have contacted Experian Credit bureau regarding Identity theft in my account and have subsequently asked to remove all accounts that were not mine as well and any and all address that did not belong to me and provided them with a policy report and my current IDs to support my request. It took several letters to get some of the information removed but they have yet to update 1 account and have not removed the various variations of my name and various incorrect addresses that do not belong to me but that show up on my credit file. I have expressed to them that all this confusing information is probably what exposed my account to the risks of Identity theft to begin with. To date, i am still exchanging letters with them on the matter and they are still not budging. Can you help me ot get their attention to this very critical matter which is severely affecting me at this time? Can you help me remove all names and addresses that do not belong to me and this acct XXXX XXXX that they keep " updating ' with the same information which i dont know where they are getting it from since its in another country altogether? I have even been told that I have an email associated to my account that has nothing to do with me, probably residuals from the fraud which happened.
Product: Debt collection

I filed a complaint with all XXXX credit bureas : XXXX, XXXX and XXXX on XXXX XXXX, 2015 about medical debts listed on my credit report that I dispute. XXXX Collections or The advantage group as they are listed on my credit report are continuing to call me leaving voice messages trying to collect the debt without investigating the items or listing the investigation as complete or still owed to the credit agencies. It is my understanding that they are not to attempt to keep collecting the debt unless they have finished and reported their findings to the credit agency companies. They are in violation because they keep calling me trying to collect the debt without investigation of the disputes.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. There is a late payment reporting on XX/XX/year> which I know for a fact was paid on time. The consumer reporting agency needs to report all information with complete accuracy. I'm now requesting that the late payment reported on XX/XX/year> be updated to paid on time immediately. I recently contacted my creditor to discuss the late payments listed on my account, and they confirmed that I have no late payments. As a responsible consumer, I always ensure that my accounts are paid on time, and this particular account had been marked as such when it was settled. Therefore, I am confused as to how a payment that was previously recorded as " on time '' can now be reclassified as " late. '' Despite this confirmation, the bureau has refused to delete and remove these inaccuracies, leaving me feeling taken advantage of and powerless.Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

N Accordance with the fair Credit Reporting act XXXX  Account XXXX, has Violated My rights.15 U.S.C 1680 section 602 A. States I have the right to privacy.15 U.SC 1681 Section 604 A Section 2 : It also States a Consumer reporting agency Can not without my written Instructions.
Product: Credit reporting, credit repair services, 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 the 15 USC 1681. 

Account Name- XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct name- XXXX Acct # XXXX 15 U.S.C1681 section 602 A. states that I have the right to privacy.

15 U.S.C section 602 A. It states a comsumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer reports containing any of the following items of any information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 deserved to be compensated and those accounts that I mentioned in the certified mail I will be uploaded in attached that I sent including tracking number that I told them they have 15 days to provide since I been giving them more than 30 days in the past way too many times since 2020. How they gon na verified accounts with last activity, last payment, etc. is not same as other bureaus there is no way they verify. Obviously they reporting false accurately on my credit report when I ask them to delete but they been stubborn so I deserve to be compensated. I have proof that I've sent so Tracking Number - XXXX Certified Mail is in attached file that I sent is exact same pages I've sent included so I did asked for method of verification but they never provided to me but there is no way they verify every accounts they should've deleted those accounts long time ago so I am affected by false verifications in every letters I've received in the past " It been verified as accurate '' when it isn't...
Product: Credit reporting or other personal consumer reports

XXXX XXXX TRANSUNION CONSUMER SOLUTIONS XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Subject : Request for Investigation and Compliance with FCRA Sections 15 U.S.C. XXXXi ( a ) ( XXXX ) and 15 U.S.C. XXXX ( b ) To Whom It May Concern, I am writing to formally request an investigation into inaccurate and incomplete information on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ). Specifically, I am invoking my rights under XXXX15 U.S.C. XXXXXXXX  ( a ) ( XXXX ) ** and XXXX15 U.S.CXXXX XXXX ( b ) XXXX to ensure the accuracy and fairness of my credit report. 

XXXX XXXX XXXX  15 U.S.CXXXX XXXXi ( a ) ( XXXX ) Disclosure of Reinvestigation Process I request a clear and detailed explanation of your reinvestigation process, as required by XXXX15 U.S.C. XXXXi ( a ) ( XXXX ) **. Please provide me with the methods used, sources consulted, and all supporting documentation obtained during your verification of the disputed information. 

XXXX XXXX XXXX 15 U.S.C. XXXXe ( b ) Duty to Ensure Maximum Possible Accuracy Under XXXX15 U.S.C. XXXXe ( b ) **, credit reporting agencies must ensure that the information contained in a consumers credit report is accurate and up to date. I believe that certain accounts or records on my report have not been adequately verified and may be incorrect. I request that you immediately review and correct any inaccuracies or provide documented proof of their validity. 

I have attached copies of my identification and supporting documents regarding the disputed information. Please conduct a thorough investigation and update my file accordingly. If you find that the information can not be verified, I request its immediate removal from my credit report. 

Please provide a written response within the legally required timeframe, confirming the results of your investigation and any corrective actions taken. Failure to comply with my request may result in further legal action. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX erroneously reported a 30 day late to my credit report for a business credit card that was in forbearance because of a hardship occurred during the COVID-19 Pandemic shutdown. I spoke to someone at XXXX  XXXX and they assured me that the erroneous mark would be taken off when I write the credit report department and provide that department with a copy of report that has the error circled. Well I did just that and now XXXX XXXX has a different story of the mark being there. No investigation, it didnt matter if account was in forbearance and sorry that they know how important my credit is. When the pandemic first happened the FCRA gave guidelines as to how and when furnishers should report. XXXX XXXX is not recognizing accounts in forbearance. They did not investigate what was said to me on the phone as well. They sent me a 1 page letter with a brief message. The person I spoke to knew my Mother died alone with no one there. They knew the business had a hardship and when it got to XXXX XXXX credit department nothing mattered.
Product: Credit card

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OHIO XXXX XXXX, XXXX AND XXXX FRAUD DEPARTMENT RE : XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. CAPITAL ONE XXXX, should redact information that is unrelated to the dispute with this company. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please investigate this matter, close the account take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. this company refuses to obey the credit laws, again this is not my account, and I did not open this account, this is preventing me from getting a good job and a nice home, the info on my credit report from the company is incorrect Sincerely, XXXX XXXX Enclosures : [ List what you are enclosing ] Identity Theft Report police report
Product: Credit reporting or other personal consumer reports

NOTICED A ACCOUNT THAT ISNT MINE THIS ACCOUNTS NEED TO BE REMOVED ASAP THESE ACCOUNT WASNT OPEN BY ME
Product: Credit card

I turn off my credit and debit cards as I was switching banks, already fed up with Wells Fargo and their aggressive tactics and fees. I don't have exacts dates as I don't have a way to view in the portal, but it was around XX/XX/2022 Start XX/XX/2022 I had a balance of XXXX and was in the process of closing out my Wells Fargo account. I turn off my cards so nothing would get charged. They allowed XXXX XXXX, XXXX to go through and apple to go through. The XXXX and XXXX I am fine covering which is about {$400.00} dollars and the gas bill I forgot to change over. The fees and interest account for the other {$1500.00} they say I owe. I have already paid {$200.00} in XXXX. 

In XXXX of 2022 I put in a dispute on the XXXX charge because I had no way of cancelling that account. Again, I turned off the card and told them I dispute the charges and they still allowed them to go through all the way up until XX/XX/XXXX when I went in the branch. XXXX could not find me in their system and it's another story that isn't necessary Wells Fargo 's fault other than the fact they kept charging me when my card was supposed to be turned off and not allow purchases. 

Because the XXXX charges were through my debit card each one accounted for and overdraft and cash advance fee as well as the monthly late fee because I am refusing to pay fees that are not fair.
Product: Debt collection

I have recently discovered that other credit bureaus have already removed this account from their records as they did not provide enough information for me to verify this debt. I was the victim in this situation, and I am perplexed as to why your bureau is not complying with the law, especially when other bureaus have followed suit by addressing and correcting these inaccuracies. Given the lack of information provided to verify this debt, I request that you cease reporting this account immediately. Without proper validation and information, continuing to report this account is not only inaccurate but also incomplete and unverifiable. I want to emphasize that I was the victim of this error, and I am very frustrated by the apparent disregard for compliance with the law exhibited by your bureau. Other bureaus have successfully rectified similar issues, and I expect your bureau to do the same. XXXX XXXX Date opened : XX/XX/2019 XXXX : {$490000.00}. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). I am the primary complainant in this matter, and I hereby XXXX full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX Rushmore informed a delinquent account to my credit report. I payed in XXXX the late payments and in XX/XX/XXXX I did the loan payoff. I don't understand why my account was reported delinquent since Rushmore was the one extending my payment date. Please advice as soon as possible since this is hurting my credit score.
Product: Credit card or prepaid card

My family and I are American Express platinum card holders. I pay XXXX $ in fees for the main card in addition for XXXX $ for additional cards. The company has advertised in its American Express offers and benefits page in my online account a promotion saying that if you purchase $ 1000+ of airfare at XXXX XXXX XXXX website, you receive XXXX points. I added the promotion to my account, and few days later I decided to buy my mother a round trip ticket to XXXX from a foreign location on XXXX XXXX for around {$1200.00} ( transaction dated XX/XX/XXXX ). I started my booking at XXXX XXXX XXXX. I book the ticket and the promotion was not honored. American Express claim that the transaction was done from a foreign location of XXXX XXXX and not through XXXX XXXX XXXX. Maybe this got triggered by the origin city of the flight, and switched to a different XXXX server. As a customer there is no way to know on what XXXX XXXX server the ticket is purchased. After filing a complaint with American Express, they did not want to honor their promotion. It was merely impossible to discern which server of XXXX XXXX of which country booked the ticket. The was other cheaper airlines choices out here and American Express advertising and promoting was misleading. They go and refer to a very technical terms and conditions that is very misleading. 
I try to file another complaint over the customer service phone line. The representative coldly say that they can do nothing and that they will document the complaint with no further follow-up.In summary, I pay more than XXXX $ in credit card fees a year for a very bad customer service for a luxury financial product.
Product: Credit reporting, credit repair services, or other personal consumer reports

Summary : XXXX XXXX incorrectly places at 120+ day late payment on my credit report. I completed the dispute process and received a letter, from XXXX, dated XX/XX/2018 stating that they ( XXXX ) were requesting the delinquency be deleted from my credit report and they were notifying the three credit agencies ( XXXX, Equifax and XXXX ) they had 30 days from XX/XX/2018 to update their files. The three agencies deleted the error on XX/XX/2018, but the negative XXXX payment reappeared on my credit report as of XX/XX/2018. 

Impact : This error was discovered, much to my surprise, in XXXX of 2018 while trying to apply for a home loan. At that time my interest rate was quoted to be XXXX XXXX with a score of XXXX, which I would have had without the negative item from XXXX XXXX 

Now, six months later with increased interest rates, I'm looking at XXXX XXXX. This error on the part of XXXX and now with the three credit agencies will cost me more than {$100000.00} over the course of a 30 year mortgage. 

Any help to have this error be permanently removed and done so as quickly as possible is greatly appreciated.
Product: Mortgage

I did an authorized short-sale in XX/XX/XXXX with the XXXX and XXXX lien holder. I have written XXXX letters, XX/XX/XXXX and XX/XX/XXXX to Capital One, N.A, the XXXX lien holder. In both letters, I explained that I have already tried to contact the XXXX credit agencies to stop reporting the short sale as if it was a foreclosure and every time the said to work directly with the reporting creditor. Capital One, N.A of course states in their letter " you can provide an explanation to the credit reporting agencies directly. '' The games that the creditors and the national credit bureaus deferring responsibility on to the other, as both are now fully aware that a complaint has been reported and both are in violation of the law, is ridiculous. 
Per XXXX report, Capital One, N.A reports the following " Paid as agreed '' or " Paid in Settlement '' or from the comment or remark sections, " Account paid for less than full balance '' is incomplete, insufficient and inaccurate as it does not disclose the Short-Sale circumstance. XXXX, has assumed or took liberty to convey that the property was foreclosed and/or delinquent. The true circumstance was not accurately conveyed by XXXX but rather they indicated ( 1 ) " serious delinquency '' and ( 2 ) past " not paid as agreed '' both are considered inaccurate and false. For item ( 1 ), there were no missed payment or even a late payment, consequently for XXXX to disseminate a Short Sale as a " serious delinquency '' is misleading, inaccurate, false fraudulent reporting. It is also clear that the account was n't in default, collection actions did not take place, nor was there judgement handed down by the courts. For item ( 2 ), since the short sale approval and settlement was agreed by all parties, for XXXX to convey things as " not paid as agreed '' is also misleading as the Short Sale approval letter had stated otherwise. I had requested that Capital One, N.A include the following supplemental comments to national consumer credit reporting companies and any other data furnishers. " Borrower had no missed payments ; the account was not delinquent or in default ; all parties agreed to a short sale ; and full satisfaction of the referenced mortgage debt was in agreement. '' Certification of accuracy of or complete information is paramount to correct derogatory reporting. Errors in omission is still an error and will remain inaccurate until disclosed and corrected. Capital One, N.A failure to disclose to credit bureaus complete information by including the supplemental information has harmed my credit score.
Product: Credit card

I never made this electronic purchase using my phone, I reported it to Apple Credit Card Goldman Sachs Bank USA, I spoke with the seller, the XXXX {$280.00} company, and they told me that they couldn't give me information, but they told me that they bought the tickets but that no one had them. I used it, I told them that I had not bought anything with them, and that it was fraud, I asked them to show a signature of mine or a document that I had accepted or done this and they told me that I did not have it, the bank does not help me repay this and they told me they make the charge. By law, the bank must show that I accept or sign that I purchase this document.
Product: Credit card

I requested a replacement card with Continental Finance ( Matrix Card ) in XXXX 2016, and updated my address. I never received the card in question and due to being unable to login to my account ( it is linked to the card directly, and locks if you 've requested a new card ). I called to make payments and request the card AGAIN, and was sometimes met with a " it is late ''. So I would make my account " current '' and request the card again, leading me to believe that I was paying and would not owe until the next month. Fast forward through months of this rinse repeat cycle to today, ( sometimes they waive the late fee, other times not ), and I find out that making my account current does not include the current amount due. While it is beyond me as to why " making my account current '' would n't include the current months payment. After being transferred, the supervisor proceeds to advise me that to send my card, I must make a payment that includes the next payment ( meaning the next due ) and that is how I would receive my card. So I pay ahead, in fact I just paid above and beyond the amount due in order to secure my card. The turmoil and headache of their login system coupled with the inability of the employees to resolve an issue to fruition causes their clients undue stress and financial burden. The FACT that it took over 3 months to attempt to resolve an issue that their client had already given all the necessary information and tools to resolve is insanity. This particular instance is not a closed case as of yet, due to the card not being received. If it is not received, after making the account paid to a true current balance, the cycle will continue, Continental Finance will continue to charge fees they should n't. I would consider this fraudulent activity on behalf of the creditor as several actions were taken and the consumer did everything in their power to resolve the issue, while the creditor continuously misled the consumer in order to accrue fees.
Product: Debt collection

HSN card by Synchrony Bank. 
Tried to collect for the HSN card. 

Told caller that myself nor my spouse have an HSN card. 

The caller said he would remove our phone number.