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

I purchased on XX/XX/XXXX a bracelet by XXXX XXXX via Macys.com.  I used something called " Star Money '' based on a prior purchase. Unfortunately the bracelet came damaged and Macy 's refunded me the money but charged me for the Star Money in a total of XXXX ( XXXX plus tax ) and this charge is on my bill. I was sent a gift card for XXXX and Macy 's claims this is legal by govermental law per the rep I spoke to 3 days ago online. They are ripping me off XXXX cents on a tax of a gift card which was unwanted. I was hoping they would just refund my credit card and I would forfeit the Star Money. They  have refused to solve my inquiry and drop this charge of XXXX. I have a gift card for XXXX. I also get charged XXXX a month if there is nothing on my statement. I feel they should simply drop the charge on my store credit card, and forfeit the Star Money. I have tried to close this card. To date, they are leaving a XXXX balance on there I must pay as the minimum or they will charge me interest - even though all that was returned because it did not fit me correctly. In the past, they sent me a defective fold out cot and told me they would not refund it but I could keep it for 1/ 2 the price - only to brutally slash my credit card spending power by XXXX. My limit is now much less on this card. It really is aggravating. I am not sure what games they are playing but I have been quite upset. I basically have to pay this card on a nonexistent item which was returned unless I want to pay interest. The whole thing is a mess. Then I will have to wait 3 months in the mail for the check refund of an overage of my bill. Customer service is super unhelpful.
Product: Credit card

On XX/XX/2024 I started to receive emails related to a Chime account that had been opened in my name. I did not open this account. It's likely someone has access to my social security number, but this shouldn't have been sufficient to open a new credit card account in my name without any number of additional authorizations. 

When I called Chime to ask the account be closed, the customer service rep was unable to pull up the account unless I also provided other personal information such as my social security number. I was unable to provide this, and the rep would not transfer me to someone who could. 

Eventually we were able to look up my account by my email address, but the rep was unable to tell me if there was a balance on the account, or how the account had been opened in the first place. They were able to close the account, or at least I received confirmation of closure, but it was a very painful process with no guarantee it won't happen again. 

My feeling is that the company is well aware of its security holes, and either isn't interested in paying to fix them, or actively encourage fraud in order to get money from people who aren't paying close attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago I entered into a payment plan with Dept of the Treasury to repay an overpayment made to me through the Dept of Education ( post 911 GI BILL ). I have been paying {$300.00} ( {$150.00} biweekly ) a month for several months and this is still being reported to Experian as delinquent and a derogatory status month after month. Ive disputed this with both entities, each pointing the finger at the other.
Product: Checking or savings account

A charge was placed on my account wrongly for {$97.00}, from a transaction through XXXX. This transaction was on XX/XX/2020. I alerted XXXX and my bank Capital One on this charge. After I contacted my financial institution. My bank filed a dispute on my behalf on XX/XX/2020. After going back and forth month after month. Capital One, resolution was to apply a temporary credit to my account on XX/XX/2020 for {$97.00}. This was then reversed on XXXX XXXX. I've reached back out to the bank and spoke to a representative requesting for this charge to be re-investigated. After multiple attempts, requesting answers to why and where this charge derived from. It was brought to my attention that an adult bike was purchased through XXXX for {$97.00} and was delivered successfully in my mailbox. I mentioned on multiple calls that I don't know the recipient, nor I didn't make the purchase. In addition, it is impossible that a bike can be delivered in my ( mailbox ). My last call on XX/XX/XXXX, I called customer service to dispute their credit reversal, again. This is when I requested to speak to a supervisor and after this conversation felt that Capital One has no attention of trying to help me or listen to my concerns. Furthermore, I feel discriminated against and still in the process of trying to resolve this matter. As an additional credit reversal has been applied to my account.
Product: Mortgage

property owner was approved for FHA short sale and lender subsequently foreclosed on the property while the approval was still active. After notification the servicer said they would rescind the foreclosure. Several attempts were made to contact them and all were met with misinformation. Yesterday we were notified by another agent that the property is now for sale by the servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called numerous times and disputed with three credit bureaus and XXXX XXXXXXXX XXXX as re-aged my account and the credit bureaus are saying that the dates are valid. Also contact company the company will not provide me with any information although I have tried serval times, my XXXX even shows 2016 1st date of delinquency but XXXX does not is shows a later date so it may remain to ruin my credit longer but they did remove it. I have tried to get them to give me my personal information after verifying who I am and they are still not willing to help in fixing in formation on credit report they all say information is valid with out proper investigation. 
re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). 

The other two major credit bureaus XXXX and Transunion also did nothing to investigate only wrote notes as though they were valid no investigations were done if they were the would know this account was opened and 1st date delinquent in 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation inaccurate information item is not mine XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was directed to contact mediation regarding my issue with Wells Fargo, which requires a specific " referral number '' to proceed. After waiting on hold with Wells Fargo for over XXXXXXXX XXXX, the call was disconnected without resolution. Additionally, mediation has refused to speak with me, effectively allowing the case to close in compliance without addressing my concerns. 

This experience is deeply frustrating and reflects a lack of commitment to genuine customer service. I am therefore compelled to continue requesting assistance in addressing XXXX XXXX operations in the XXXX of Iowa, as the issue remains unresolved.
Product: Debt collection

The company that has been attempting to collect a debt of {$98.00} from me is called IC System. Their website is www.icsystem.com and they are attempting to collect this debt as an agent for XXXX, the phone company. The debt is under a different name than mine, I have never had a XXXX account, and I 've told them this several times. They even reported it to the credit bureau and it was added to my credit report. I contacted the credit bureau and they removed the debt from my credit report as it is not under my name. Somehow they have it tied to my social security number and are again contacting me via phone and mail threatening to report it to the credit bureau again. I just called the company and spoke to XXXX XXXX ( supervised by XXXX XXXX ) who told me that they would continue to report it to the credit bureau and would not remove my social security number from the debt. He recommended that I keep disputing it every time they report it to the credit bureau and said that was my only option of recourse. That simply can not be true. Any help/advice would be greatly appreciated. 

Thanks.
Product: Credit reporting

My husband has a address on his credit report that does not belong to us or anyone we know. I am an authorized user on many if not all of his credit cards and vise versa. I believe this fraudulent address to be on my credit reports as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX.
Product: Credit reporting or other personal consumer reports

I contacted XXXX and I received a response that my loan is in suppression. 


Upon reviewing the information provided, I have identified inaccuracies in the reported amount owed, which is adversely affecting my credit worthiness. 

I request that you provide evidence supporting the claim that I owe about {$86000.00} to XXXX, as the information currently available is insufficient for me to verify the accuracy of this amount. Furthermore, I believe that this suppression violates my rights under the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, consumers have the right to accurate and complete information on their credit reports. I am specifically referring to Section 611 ( a ) ( 1 ) ( A ), which states that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. 

I kindly request that you conduct a thorough investigation into the discrepancies in the reported amount and provide me with detailed evidence supporting the claimed debt of {$86000.00}. Additionally, please ensure that all information related to my account adheres to the accuracy requirements outlined in the FCRA. 

I appreciate your prompt attention to this matter and request that you provide the necessary documentation within 30 days, as stipulated by the FCRA. Failure to comply may result in further action to protect my rights under the law. 

Thank you for your prompt attention to this matter. 

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

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Ocwen took more than 4 months for modification. Continued charging enormous fees. Finally completed modification started and completed trial as required told I would have a large balloon payment at the end of loan and that was the best they could do or would foreclosure on my home. Currently trying to refinance and credit report does not reflect trial modification payments. No description that I was paying payments for four months. Ocwen reported 120 late for entire modification and continued to report late after trial was completed and permanent loan was modified. Only after numerous calls did they change certain months with accurate information. But still continue to report 120 late for four months with no mention of payment agreement when I was on trial modification made payments in advance so technically I paid 3 months in advance so should have been reported as on time No resolution since XX/XX/2017
Product: Credit card

During the summer of 2014 I entered in to a payment agreement with Citi for the resolution of my Sears credit card. I set up an automatic payment of {$74.00} a month, and they locked my interest rate at 9.9 %, and closed the card to new charges. My {$74.00} payment has never been late, but Citi has been reporting my account as late for the last 30 months.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX Balance Owed : {$520.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXX Balance Owed : {$470.00} XXXX XXXX XXXX Balance Owed : {$740.00}
Product: Credit reporting

I subscribed to XXXX for several years in my XXXX XXXX, XXXX, rented townhouse. In XX/XX/XXXX I decided to move my home/office on XXXX XXXX of the same year. For XXXX months I asked XXXX multiple times for a way to return their receiver to them when I left but received no response except I would need it when I found a new place to live. I had much to do and no time to argue. I left the satellite dish on top of the unit and returned the t.v. and telephone modem to XXXX, but XXXX XXXX had still not revealed where their receiver could be sent, though the account was closed. So I put it in the back of my car. XXXX months later ( the time limit to re-attach the receiver was over ( XXXX XXXX ) and I still had no fixed address. In XX/XX/XXXX I tossed the receiver in a garbage can in XXXX, XXXX as I headed northeast again. Someone found it and returned it to XXXX for shortly thereafter I started getting e-mails from them about a balance owing, but by the time I 'd moved into a long-term rental they had already decided I owed them {$480.00} for a non-account and reported it as unpaid and overdue to XXXX in XXXX, XXXX. This is now on my TransUnion credit report.
Product: Consumer Loan

I did not authorize anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section XXXX ( c ). 
It constitutes your agreement to compensate me for this predetermined sum of {$10000.00} per document. 
Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ XXXX XXXX. XXXX ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Your company is furnishing an account on my credit report as a charge off which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the IRS and you will be reported for such. I demand you to remove the following item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. Also, the credit reporting agencies are reporting inconsistent information such as the Date last active and payment history. How can each bureau report different information if all data should be the same? You violated the FCRA 15 USC 1681eb you are reporting information that's not 100 % accurate. The IRS directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. Please note that this account is also paid in a settlement and there was an agreement for the account to be deleted. Remove the following account from my credit report within 14 days SYNCB/CARE CREDIT XXXX
Product: Credit reporting or other personal consumer reports

I request copy of signature everything from these illegal accounts! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX  {$4900.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$720.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$190.00} Date Opened XX/XX/XXXXXXXX XXXX  Balance {$270.00} Date Opened XX/XX/XXXX **Bankruptcy** -- This bankruptcy is past the statue of limitations and needs to be removed asap!! according to FCRA XXXX! XXXX XXXX ( a ) XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

Terrible experience refinancing through Envoy Mortgage, XXXX XXXX 's agency. Use higher that average title and appraisal services and pass cost off to the customer. Horrible customer service - especially once you have paid them. Pay-offs were done wrong and could not get answers to my questions, just told to go figure it out myself. Mortgage was sold and no notification was sent to customer. Paid extra to principle before my loan was sold - it 's been two months and that money has never materialized at the new mortgage company!
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX MY SOCIAL SECUIRTY # XXXX I REVIEWED MY CREDIT PROFILE FOR THE FIRST TIME AND NOTICED I HAVE UNAUTHORIZED INQUIRIES AND AN ACOUNT THAT WAS NEVER MINE, PLEASE HELP I HAVE BEEN A VICTIM OF FRAUD AND MY INFORMATION WAS LEAKED WITH THE DATA BREACH 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 REVIEWED MY CREDIT PROFILE FOR THE FIRST TIME AND NOTICED I HAVE UNAUTHORIZED INQUIRIES AND AN ACOUNT THAT WAS NEVER MINE, PLEASE HELP I HAVE BEEN A VICTIM OF FRAUD AND MY INFORMATION WAS LEAKED WITH THE DATA BREACH 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

Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX Dear Experian I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong. PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : PLEASE UPDATE MY NAME TO : XXXX XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX MY ONLY SOCIAL SECURITY NUMBER : XXXX MY ONLY AND CORRECT DATE OF BIRTH : XX/XX/year> MY ONLY EMPLOYER IS : XXXX XXXX XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 
PLEASE REMOVE ANY OTHER PERSONAL INFORMATION YOU ARE CURRENTLY REPORTING AS THEY ARE NOT ACCURATE. PLEASE REMOVE ALL OTHER ADDRESSES OFF MY REPORT, AS THEY ARE NOT DELIVERABLE TO ME BY THE U.S. POST OFFICE, AND THEY ARE NOT REPORTABLE AS PER THE FCRA SINCE THEY ARE INACCURATE. I HAVE ATTACHED MY IDENTIFICATION CARD AS WELL AS A RECENT COPY OF MY ( BANK STATEMENT, UTILITY BILL, ID ) FOR YOUR VERIFICATION. 

Please send me a new report when you are completed so I may continue to verify its accuracy. 


Best Regards, XXXX XXXX XXXX Experian Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX XXXXXXXX XXXX  was opened fraudulently and needs to be removed from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, There was a new inquiry just added to my XXXX  credit report and XXXX  credit report which was not authorized by me. 

The XXXX credit check run was done by XXXX XXXX  on XX/XX/2021 There wXXXX XXXX different hard inquiries by XXXX  XXXX on XX/XX/2021, Curo Management, Llc on XX/XX/2021, and XX/XX/2021. 

I am out of the country from XX/XX/XXXX and still haven't traveled back to the XXXX  and I haven't requested credit inquiries or used my credit cards during this travel.

I am contacting the companies to inform them about the fraudulent activities.

In addition to that, I have contacted XXXX, XXXX, and XXXX  to freeze credit reports and set up a fraud alert on all three. 


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

I submitted a letter to the 3 Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Files with XXXX  also : I tried to dispute inquires online on my Equifax XXXX see attachment for dispute and results actions. > On my account they resolved this issue in less than hours. I find a strange, and an inaccuracy in because investigation should takes weeks to resolve the matter, I believe, so it tell me they didn't look into my dispute, complaint. There are XXXX hard inquires on my account I didn't authorize for my credit report to be pulled and the account to be pulled for a car so mean times. 

I already have a car lender also before and after these pulls, name XXXX. So I don't understand why and how should I have inquiries been pulled where I already have a car. And lender account. Under the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681b, a credit inquiry is only permissible if authorized by the consumer or if it falls under specific legal purposes ( e.g., credit application, employment screening, or a court order ).

Unauthorized inquiries violate the FCRA, and under **15 U.S.C. 1681i, consumers have the right to dispute inaccurate or unauthorized information on their credit reports. Credit bureaus are legally required to investigate and remove such inquiries if they can not be verified within 30 days. Additionally, under 15 U.S.C. 1681n** and **15 U.S.C. 1681o, willful or negligent noncompliance with these provisions can result in penalties, including actual damages, statutory damages, and attorney fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$13000.00} XXXX  XXXX {$5600.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$850.00}