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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX  XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries were not authorized and should not be reporting.
Product: Payday loan, title loan, personal loan, or advance loan

I have XXXX old loans and have requested paid in full letters and they refuse to send and hung up on me 4 or 5 times already. Loan # XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXX # XXXX - XXXX XXXX XXXX, XXXX, DE 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. States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt to XXXX XXXX XXXX was paid in full. The debt was paid to the company and it had a XXXX  balance. Now a collection agency is trying to collect on the same debt that XXXX has paid in full. They sent me the receipt with a XXXX  balance. I have the proper documentation stating that it is paid in full. XXXX XXXX is also trying to collect on this debt. I will attach the {$0.00} balanced receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a joke, Prosper Marketplace has used my dispute against me and is trying to shake me down for money, and has now doubled my balance owed in just one month and now is reporting late payments every month. Back in XXXX, I contacted Prosper Marketplace to let them know about their reporting issues on my personal credit reports was inaccurate- and they said they would investigate ; but instead they contacted the credit bureaus and told them I owed DOUBLE the original amount!!, and that I needed to pay or " handle this matter '' ASAP!! This really happened and I can't imagine how many laws were broken in trying to shake me down. Prosper marketplace is now reporting a balance of {$6600.00} on a loan they state I personally received in 2011 for {$3400.00}. I couldn't believe it so I reached out further, and their ( Prosper ) only answer was to state that they sent me an " identify theft package '' to help me. Prosper is the one who is using my identity incorrectly!
Product: Mortgage

Divorced and paid off mortgage when sold property. Escrow refund was sent to two named payees with my name appearing first. Check was forwarded to second payee who mobile deposited into individual account and mortgage company accepted check when presented by bank although check was endorsed with only one signature ( not mine ). Bank representative stated policy is to require both signatures but mobile deposits are handled differently, that mortgage company should not have approved with only one signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have requested for XXXX  to investigate an existing fraudulent account on my credit report> I have supplied all three crediting agencies with a copy of my police report requesting for fraudulent activity to be remove. XXXX  has failed to comply with my request. I've written a letter stating that XXXX XXXX XXXX does not belong to me and therefore should be moved
Product: Credit reporting, credit repair services, or other personal consumer reports

when asking experian to remove address they just change my address by combining the zip codes false removal process please have them correct it see attachments all ftc filed : XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute OFFICE OF THE ATTY GENERDispute U.S. DEPARTMENT OF EDUCATION
Product: Credit card or prepaid card

So, I had a XXXX Credit card, Then within about 2weeks to about less then a month, my account got restriced, so i had no way to get access to my reward and the card usage, and then card closed. However, Capital one declined the refunding {$390.00} amount of Credit card annual fees that i paid. 
If i used the reward services and claimed the mileage, then i agree with not getting it back, but i already lost XXXX mileage that was in my account due to closure. so at least i want to get my {$390.00} annual fee where i couldnt used the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit on XX/XX/XXXX, I see an account reported to Equifax. This account is not mines. I reached out to the original creditor XXXX  fraud department on XX/XX/XXXX and they told me that they have no knowledge of this account being reported to my credit to equifax or any other collection agency. They have no records of it The information was not furnished by them. 

Collection Agency XXXX XXXX , XXXX . 
Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1300.00} Amount {$1300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # 32 Creditor Classification CABLE_OR_CELLULAR Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX , XXXX . 
XXXX XXXX XXXX XXXX XXXX WA XXXX I reported identity theft to the FTC on XX/XX/XXXX the reference # XXXX
Product: Money transfer, virtual currency, or money service

Paypal transaction XXXX for items purchased online. After order was placed I found the seller was non-verified out of country. I immediately notified PayPal 's resolution center and opened a case as the seller withdrew more from my account than what I authorized. Case ID : XXXX. Paypal closed the case said it was not covered under their terms. Subsequently I found out the tracking number given to me by the seller was fraudulent and for a shipment that had been delivered the day prior to the date I placed the order. I notified PayPal of this and have yet to receive any response.
Product: Credit reporting or other personal consumer reports

XXXX is reporting my student loan balance twice to the Credit Bureaus. It appears that I have twice the student loan debt. I have disputed it with the Credit Bureaus but no response. I am unable to purchase a home due to the high amount of student loan debt that is showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX5 U.S. Code 1681c2 - Block of information resulting from identity theft 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

Hi my name is XXXX XXXX i had a operation in XXXX XXXX  2016. In XXXX XXXX XXXX zip XXXX.I paid some bills up front and am paying off others.After the first time i saw this on my credit report i called XXXX XXXX and they said they never put anything in collections. I paid off the XXXX bill have a receipt. I am paying off doctor and hospital bill.So i believe this is an attempt to collect money i do not owe. This is bringing my credit score down, you can see i have a good score i worked hard to get it back to where it is at .And i do not appreciate it. I never got a bill telling me what this is supposedly for, so i would appreciate your help .Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one credit card was missing, plus I moved to my XXXX house in XXXX, and XXXX I have paid it off, and credit repair but it is on there preventing me to own a home Kohls card wasnt remove after I paid them. 
I have no idea about XXXX XXXX  I already paid them. 
I dont owe no one of these companies.
Product: Credit reporting or other personal consumer reports

As above, trans union, keeps showing a {$3600.00} balance on my XXXX XXXX XXXX XXXX which is CLOSED. I paid it off XX/XX/XXXX. Despite filing XXXX repeated disputes advising them it is paid and has a XXXX balance, they corrected it to XXXX in XX/XX/XXXX, then bounced it back to show {$3600.00} in early XXXX. They corrected it again XX/XX/XXXX, then today shows {$3600.00} and account per Trans Union is open, even though I closed it XXXX weeks ago in desperation to fix their errors. XXXX shows a XXXX balance and closed account, which is correct. Can you please help me? Each party is blaming the other. It was paid off in XXXX in XXXX payment of {$3600.00}.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/1987 ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists XXXX Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these.

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX XXXX XXXX XXXX  ( Experian ), and XXXX XXXX XXXX XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a balance of {$1900.00} on my credit report from Credit National Systems that does not belong to me but a family member. Ive disputed this charge for 2 years. I have been receiving calls threatening to seize assist because of this debt. I asked them to provide documentation to show this debt is mine.. I received an email on XX/XX/2019 and none of my information is on the document. They continue to call with threats to make me pay this debt. I refused to pay as well as requested they remove the debt off my credit.
Product: Credit reporting or other personal consumer reports

On or around XXXX of 2023 I received a call from my credit card company Citi Bank, who I currently have multiple credit cards all set up on auto-pay. When I called back the customer support team to ask them why they had called me, after researching my account I was informed by the customer service representative that my address was not updated. I updated the file and the customer service representative informed that everything was good to go. 

On or around XXXX of 2023 I got another call from Citi Bank and after calling them back I was told that I was late on my monthly payment, this was surprising to me since I had all my credit cards set up on auto pay and my last communication from customer service informed me that everything on my account was squared away. 

After being informed that my payment was late I remedied the situation immediately, and made sure my auto pay was setup. 

I then learned that Citi Bank had reported a 30 day late payment on my credit which was caused tremendous financial hardship. Had Citi Bank 's customer service not mislead me I would have remedied the auto pay when I called customer service in XXXX, but since the customer service representative had failed to provide me accurate information I am now being penalized. 

I am asking that Citi Bank remove the 30 day late payment from my credit report since I did call them in time, and would have made the payment had the customer service representative informed that my account auto-pay had not been properly setup, like it had been on all of my other Citi Cards XXXX 

Citi bank can look at my history and see that every other Citi XXXX I had at the time was paid in full and on time as well.
Product: Credit card or prepaid card

When I try to log on the message says " sorry we are unable to sign you on at this time '' no matter what time of the day it is and no matter how many times I try.
Product: Credit card

I got a credit card when making a purchase at Lowes and that credit card is through Synchrony Bank. I tried paying it all off on XX/XX/XXXX but it was rejected. I didnt even know it was rejected until later. I tried paying the whole balance on XX/XX/XXXX but again rejected. I have credit cards through Citi, XXXX, XXXX  and XXXX XXXX. I always pay my cards on time. I double check my routing and account number and its correct. Same information I use for the other banks. I call synchrony and use my debit card on XX/XX/XXXX. They say it will be taken out right away. Find out on XX/XX/XXXX that it hasnt. Call again today ( XXXX XXXX ) and we will now see. I have tried to make a payment on this 4 times with correct information and they wont take it. It sounds like a bunch of people have these issues with Synchrony as well and those people recommended making a complaint through here. Synchrony bank is a scam. They are not taking peoples payments and then charging late fees and a {$30.00} returned payment fee. They are stealing money from people and should not be in business.
Product: Debt collection

WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX, TN, XXXX Subject : Debt Validation Request Notice of Legal Compliance Required Account XXXX To Whom It May Concern, I am writing pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 to formally dispute and request full validation of the alleged debt you have reported on my credit file.

1. Legal Validation Requirements Under 15 U.S.C. 1692g, you are required to provide the following documentation to verify this debts validity : A legally assigned contract with my original signature from the original creditor. A simple bill or statement is not sufficient proof of a legally owed debt.

Proof of chain of custody ( all assignments of ownership ) if this debt was transferred or sold.

Verification that you are legally authorized to collect this alleged debt.

Failure to provide the above documentation constitutes a violation of federal law under the FDCPA and FCRA. If you continue reporting this unverified debt, you are liable for damages under 15 U.S.C. 1681n and 1681o, which allows me to seek legal action for willful or negligent noncompliance.

2. Cease and Desist Communication Terms As per 15 U.S.C. 1692c ( c ), you are hereby prohibited from contacting me by phone, email, or any method other than written correspondence via my mailing address above. If you fail to comply, you are subject to fines of {$1000.00} per violation, as outlined in 15 U.S.C. 1692k.

3. Immediate Deletion from My Credit Report Since this debt remains unverified and inaccurate, it must be removed from my credit report immediately per 15 U.S.C. 1681s-2 ( b ). Failure to do so will be considered a willful violation of the FCRA, and I will pursue legal remedies, including a complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and legal action against your agency.

This is a formal dispute and not a refusal to pay ; it is a request for validation under my rights as a consumer. You are required to respond within 30 days or remove this debt from my credit report.
Product: Credit card or prepaid card

Hello, My Capital One Quick Silver issued on XX/XX/XXXX came with a {$200.00} signup bonus along with 1.5 % cashback on any purchases made. 
After using the card, I've accumulated {$330.00} Rewards Balance until around XXXX of this year, XXXX. 
At some point, they locked this account while my other credit card with them was unaffected- and told me to send copies of ID, utilities, social security card. This which I wasn't comfortable of sending especially online. 
On XX/XX/XXXX they closed my account without informing me that the bonus {$330.00} cashback will be forfeited or annulled if I won't send them those documents. 
I've spoken with a Supervisor on XX/XX/XXXX, name was XXXX, and he told me he'll try to convert that cashback into Miles - usable with my other credit card with the company, a XXXX XXXX, that was unaffected by this situation. Yet today, XX/XX/XXXX, I was informed that cash back is lost for good and nothing can be done about it. 
I was left with a sour note especially that I have used this company for such a long time and always had nothing but praises for them and recommended them to all of my friends, but this experience left me with a sour note. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX a contractor named XXXX XXXX of XXXX  XXXX XXXX XXXX charged my DISCOVER credit card for {$2500.00} for foundation work done on my property at XXXX XXXX XXXX XXXX XXXX TN XXXX I was in XXXX XXXX CA so I had no way of knowing if foundation work was completed or not had to trust his word... 

In XXXX of XXXX I get an email from my realtor that foundation work had to be done before house could be sold so she sent pictures and statements so I had work done again by another contractor XXXX and they fixed work meantime I called DISCOVER bank to get a dispute of {$1200.00} of the {$2500.00} since XXXX XXXX XXXX XXXX only did half the work. 

When I called DISCOVER bank in XXXX of XXXX they issued me a temporary credit of {$1200.00} and I sent documents to them what realtor sent to me so I thought that was the end. 

In XXXX of XXXX DISCOVER bank reverses charges and my account is now over the Ratio limit which kills my credit they informed me I needed necessary documents and once I sent all documents I was told sorry its been over a year we can't help you. That's sad when numerous agents assured me for months that I would receive relief and not to worry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called experian to dispute some items on my report, i stated to XXXX the repersentive that I only want one name one address and one phone number on my credit, XXXX stated that she would not dispute them or remove them that she would change them all to the correct name I stated to XXXX under the credit guidelines I am entitled to have only one name etc ... on my credit if it is correct.
Product: Credit card or prepaid card

Genesis FS Card Services offered me to close my account for a payment of XXXX dollars and to lower my interest rate to 0.00 Apr once closed and to only charge 2 % minimum to keep as hardship program and to keep this from negative reporting they have taken the XXXX dollars to start the program but actually never sent me anything on the program. And I am at a point to sue. In small claims as this is not a large charge card
Product: Mortgage

USBank informed me that they were charging late fees because I missed a payment, so I submitted documentation that the money was withdrawn from my account. I filed a CFPB complaint when I could not get them to allocate the payment and the response was to prove the check was cashed, so now I am re-opening a complaint and referencing XXXX with the documentation from my bank of the cashed check, and requesting ALL late fees charged be credited back to my account as this mortgage has been paid via auto-pay since it was opened. 

There were over {$600.00} in late fees I want to be credited to the account as well as the missing payment of {$950.00}. I am attaching both my bank statement and the cashed check documentation. As noted in the previous complaint, referenced above, this is NOT the first time USBank has kept the money and not credited the account.