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

It was 2013 when I required the service from XXXX. I had two phones and from the conversation with the customer service representative I was lead to believe that my service would be under data management meaning if the data get low it automatically stops until the renewal of data and for some odd reason the bill was very excessive amount and they dropped the ball and wanted me to pay for the mistake. Even though there was inconvenience on there end tried to charge me a {$300.00} cancellation fee. I am all around flabbergasted and would like to have this resolved and remove from credit because it's hindering my progress.
Product: Credit card

The Amazon.com Store Card, provided by Synchrony Bank, does not explicitly tell the consumer that a fee is charged every month REGARDLESS of usage. My account was sitting idle and unused and I was not worried about it -- I had n't made a single purchase since opening. But come to find out when I log in a few weeks ago, I 've been getting charged {$1.00} per month, missing those {$1.00} payments so getting hit with late fees for all of them, and then all of those {$1.00} charges and late fees accruing interest. It 's totally wild for this to be happening on a card I have not used once and did not feel the need to monitor -- I have several other cards I do n't use, and this does not happen ... Synchrony/Amazon have reversed the late fee charges on my account, but the blemish is NOT gone from my credit report, and is still hurting me severely.
Product: Credit card

American Express has entered into a consumer credit transaction with me via using my social credit card defined under 15 USC1602 to extend me my o n credit on multiple accounts. In the year of XXXX  American Express has committed ADVERSE ACTION and has discriminated against me and my RIGHT TO CREDIT as defined under 15 USC 1691 by shutting down my accounts and denying me a Granted Right which is access to extend credit. American Express has been in violation of the ECOA and Tittl 18 USC 242 for denying me a federally protected right to extend credit and have access to credit. American Express once aft er taking ADVERSE ACTION discriminating against has reported false statements on my consumer report hurting my reputation and hurting my credit worthiness further negatively impacting my right to extend credit in the banking system. American Express is reporting an alleged debt that arose out of a consumer credit transaction via a FINANCE CHARGE and is falsely reporting charged off accounts as Income on my reputation as defined under IRS Guidelines. TENDER of payments was attempted to be made on these accounts to satisfy the alleged debt In Good Faith but was REFUSED by American Express. Such Refusal of legal tender has now discharged the debt under UCC 3 -603 and has placed American Express under a violation of the Federal Reserve Act Sec 29. American Express has been given the opportunity to perform and provide VALIDATION of the alleged debts by providing key information that which if provided payment in FRN would have been made. American Express has FAILED to provide lawful validation of any lawful debt and has dishonored the offer and continues to furnish false statements about me on my reputation hurting my character and right to credit.
Product: Debt collection

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from a debt collection company called XXXX XXXX XXXX. The letter itself states I have thirty days to dispute or pay a debt of {$170.00}, failure to communicate with them in thirty days results in admittance of debt, and that this debt was obtained from a creditor named Orion Portfolio Services LLC. Orion Portfolio Services LLC states they formally held this debt from a company called XXXX XXXX XXXX. As for my actions, I notified a credit bureau to place a temporary fraud alert to protect my identity, and I notified this XXXX XXXX XXXX that I am disputing the debt. I lived in XXXX and utilized XXXX XXXX XXXX as my power company from XX/XX/XXXX-XX/XX/XXXX. I never had a delinquent account with them and I paid off my final bill in XX/XX/XXXX ( I moved from XXXX, XXXX  to XXXX  at the end of XX/XX/XXXX ). This is the first time in almost thirteen years I've been notified of any type of debt, and I believe that one or more of the above companies is incorrect and possibly " scamming '' me.
Product: Credit reporting or other personal consumer reports

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( XXXX ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case! 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXX ; XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**** ; XXXX XXXX XXXX
Product: Credit card or prepaid card

I attempted to make a balance transfer using a Wells Fargo transfer check attached to my credit card account. Although the debited my account the the {$1200.00} dollars it was never credited to my intended XXXX card account. I have made 5 attempts by phone to rectify the problem with Wells Fargo, and one written correspondence with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Trans union and not getting proper customer service. I wanted assistance with removing old student loan account which no longer belonged to me on the account they were all sold and the statue of limitations has passed. I was told by a rep. that the 7 year limitations did not apply to the items listed on my credit report. I asked could i speak with a manager. After I was connected to a manager I explained the issue and he hung up in my face.
I only ever had 2 student loans. The loans are showing 4 times. They have also been sold a few times and no longer belong to me under the account names nor do I have any agreement with any lender. I would simply like them removed.
I have attached the accounts and the tenure of the allotment by Trans Union to stay on my credit report over the 7 year limitations.
I also had to call a different number for Trans Union that was not listed on the website but given to me a by rep. I felt uneasy and not sure if i would become a victim of identity theft.
XXXX I am requesting the items removed : XXXX XXXX XXXX  Closed : XX/XX/XXXX XX/XX/XXXX ( 8 yrs, 4 mos ) + {$0.00} Closed XXXX Closed :XX/XX/XXXX XX/XX/XXXX( 8 yrs, 4 mos ) + {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX XX/XX/XXXX ( 7 yrs, 5 mos ) + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX  Closed : XX/XX/XXXX XX/XX/XXXX ( 7 yrs, 5 mos )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have 2 items on my credit thats not mines. XXXX XXXX and XXXX  XXXX. and multiple inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX It way too many inquiries to count. I have not applied in a long time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated.

I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Product: Credit card or prepaid card

Hi, I am filing this complaint because when I switched a Citibank credit card from one type to another, I ended up loosing {$1700.00} worth of rewards points. I had in the past switched credit cards several times under Citibank, transferring the rewards points each time with no special action needed. When I converted from a Thankyou Rewards card to a cashback card, in the detailed terms and conditions, which were not prominent, there was a notice that any rewards points would have to be used within 60 days which I didn't see. With the new cashback card I received many emails from Citibank, none of which mentioned that my rewards were going to expire. When I noticed that my rewards points had disappeared, about a week after the deadline, I called and started a support case to get them restored. I never received any response, and several times was told to call back in a few days for it to be resolved. On XXXX I had a conversation with a manager that said the points could not be restored. I believe Citibank 's policy was purposely deceitful, with no notice, reminder, or warning that I would loose {$1700.00} dollars because I didn't read the fine print on their offer. The new cash back card also provides Thank You Rewards points, so it is not even a case of the new card not having that feature. 

I can provide copies of all the emails sent to me by Citibank after I converted the card, and none provided any warning or mention that the rewards points would expire. I have been a customer of Citibank for over 20 years.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and removal of fraudulent accounts and unauthorized inquiries from my credit report. I am a victim of identity theft as a result of a data breach, and the following accounts and inquiries were reported without my authorization. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ), I request these items be blocked and permanently deleted from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX credit card was paid by settlement requested potential negative status be removed from my credit report.
Product: Mortgage

We received notice from XXXX XXXX XXXX in XX/XX/XXXX that all three credit agencies ( XXXX, XXXX and XXXX ) were reporting that our mortgage with Midland Mortgage was delinquent by over 120 days. After reviewing our payment/transaction history on Midland 's website, my husband and I were able to confirm that our payments had been successful and on time. At that time, we called Midland 's Customer Service number, and over the course of multiple calls with both Customer Service reps and Supervisors, we were told our ticket was expedited with their IT team, and it was later discovered that their reporting system was malfunctioning and reporting delinquent payments in error ( when they were able to confirm successful payments ). The reporting error began in XX/XX/XXXX and continued through XX/XX/XXXX. As of today 's date, delinquent payments are still being reported by all three credit union agencies and have not been removed, despite disputes with all three credit unions. Additionally, after being told that the reporting system issue had been found and resolved, we received notice today ( XX/XX/XXXX ) that Midland is again reporting delinquent payment, even though our payments have been successful all this time. Some background : We were forced to move to an FHA mortgage after being involved in a pre-foreclosure situation around the time of COVID, and have been struggling but able to make our payments on time since the transfer to Midland. Midland 's continued, repeated negligence has made our credit score suffer due to their payment system 's inferiority. We just want what's right- the removal of any and all delinquent notices with all three credit unions, and Midland to take responsibility for their reporting system mistake and see it through so that this does not continue to happen. I would not wish this treatment on anyone, and hope by publishing my experience that no one has to suffer the tears and heartache my husband and I have been going through for months with no resolution.
Product: Debt collection

XXXX XXXX bought a debt from XXXX the original amount with XXXX was a fraction of what the collection company XXXX XXXX XXXX XXXX is harassing me for now. I had worked with XXXX to reduce the amount they had inflated and began to negotiate a better payment plan. However they double backed on me and sold the debt to XXXX XXXX who has now increased the interest and is calling me and trying to serve me a court order. My research has shown me that they are not so above board and are even in bankruptcy. 

I am willing to make a deal to pay off the original amount, but not the over {$1200.00} they are asking for now.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and list of Inquiries XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Mortgage

XXXX XX/XX/XXXX Bank of America returned my XX/XX/XXXX payment. When I called them, they said the foreclosure process has been started because I have missed 7 payments. When I asked them why I wasn't notified they said the paperwork was returned undeliverable, I live at that property and I receive all other notifications from them. When I asked them what payments I missed, they realized that I only missed XX/XX/XXXX payment and that BofA did not process the payments correctly for XXXX or XXXX XXXX XXXXXXXX. In XXXX I paid {$920.00} they processed {$500.00} and for XXXX I paid {$920.00} and they processed {$0.00}. On XX/XX/XXXX I faxed the bank statements showing they money was deducted from my account and paid to BofA. On XX/XX/XXXX BofA said they needed the money control number from my bank to research the payment. On XX/XX/XXXX I called BofA and told them my bank was researching and it will take a few day to get the info. On XX/XX/XXXX I faxed to BofA the info from my bank. On XX/XX/XXXX I call BofA to see the status and found out they closed my case without researching or contacting me. I was told a new case was being opened and had to refax the paperwork again, I faxed it on XXXX. on XXXX I was told to refax the statements again along with the bill remittance page from my bank and Was to, d that BofA dropped the ball on this case. Faxed info on XXXX. On XX/XX/XXXX I was told they received everything and will be in contact. On XX/XX/XXXX was told to refax paperwork again. Faxed on XX/XX/XXXX. On XX/XX/XXXX was told paperwork is fuzzy and to refax a XXXX time. Faxed it on XX/XX/XXXX. On XX/XX/XXXX was told had to fax the paperwork again because they couldn't read my name on the paperwork. On XXXX was told the case was closed because they never received the paperwork when I manager investigated was told all the paperwork was there and received and was being investigated and another case was opened. As of today this issue is still not resolved. I don't know how foreclosure can be started for 1 missed payment and I was never notified. How can BofA claim that I missed 7 payments when I never did and how could they not process the payments correctly when it's been paid this way for 13 yrs??
Product: Credit card

on XXXX/XXXX/2016 I made a payment in full to Capital One on my secured credit card. The limit on the card is XXXX the balance owed was XXXX. I paid the entire amount. I have never missed a payment and so far as I know I have never had a payment returned. In good faith I went out to use the card and was unable to use it. Upon calling Capital One I was informed that they were holding my funds. At no time in the year that I have had this account have I ever had funds held for verification of payment. XXXX a customer service supervisor at Capital One would do nothing to assist other than to tell me to call them when the bank is open so they can verify the payment has cleared.
Product: Credit card or prepaid card

I am in the process of purchasing a home and had my credit pulled for the upcoming closing, which shows a 30-day late payment for XX/XX/XXXX with Macys. This derogatory mark was not reporting on my initial credit pull XX/XX/XXXX for the loan and is inaccurate reporting. Due to this error my FICO scores have dropped almost 100 points therefore hindering my loan process. I reached out to Macys who advised this was inaccurate reporting and to call back on XX/XX/XXXX where I would be provided a letter advising of the correction so that it can be submitted to the bureaus ( to restore my FICO scores ). I reached out today, XX/XX/XXXX, and after being passed around and on the phone for over an hour I was finally advised that it will take 30 days to obtain the letter of correction. I do not have 30 days that I can wait. I am filing this complaint as I feel I have exhausted all routes with Macys to have the incorrect reporting fixed asap so that I can proceed with my home purchase. I need this corrected ASAP via e-oscar with the credit reporting bureaus so that I can have my FICO score ( s ) restored to proceed with the loan.
Product: Credit card or prepaid card

on XX/XX/22 I closed my XXXX XXXX creditcard issued by Customers Bank # XXXX. 

I called the next day and sent a private email to make sure this was done as customer service is lacking in this company, the assured me via email it was closed, upon reviewing credit reports this account is showing active, upon disputing this the 3 credit bureaus the results were account is open and active this was updated by Customer Bank on XX/XX/22.