23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for failing to fulfill its obligation to accurately maintain and update my credit report, as stipulated under the Fair Credit Reporting Act ( FCRA ). Despite submitting detailed requests for investigation and removal of inaccurate information, Experian has not conducted the necessary verification or investigation on the following items. This negligence has led to significant discrepancies between XXXX report and those from XXXX and XXXX, with Experian often providing inaccurate or outdated information. 

Specific Issues : 1. Inaccurate Personal Information : Experian has failed to correct or remove inaccurate personal information, including current and previous addresses. These inaccuracies have persisted despite multiple requests for correction. 

2. Unauthorized Inquiries : My credit report includes several unauthorized inquiries ( e.g., entries by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. ), which violate permissible purpose standards under 15 U.S.C. 1681b. Experian has failed to investigate and remove these unauthorized entries, resulting in a negative impact on my credit score and access to financial services. 

3. Discrepancies Between Reporting Agencies : Experians report contains multiple discrepancies compared to XXXX and XXXX, suggesting a lack of adherence to FCRAs accuracy requirements ( 15 U.S.C. 1681e ( b ) ). For example : - Accounts with XXXX XXXX  and XXXX XXXX XXXX  show different information on Experians report than on those of the other agencies. 
- These discrepancies impact my credit profile, and Experians failure to update and align their information with other bureaus continues to harm my ability to rely on accurate financial information. 

4. Failure to Verify Accounts and Balance Reporting Accuracy : I requested Experian to verify accounts such as XXXX XXXX XXXX and XXXX XXXX XXXX, but no verification response or adjustments have been made to my report. Additionally, Experian has reported inflated or outdated balances, which constitutes a violation of the FCRAs accuracy standards and further harms my financial standing.
Product: Debt collection

I'm getting harrassed daily by Credence Resource Management, located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX, and ( XXXX ) XXXX. Anywhere between 5 - 10 phone calls a day. 

They will not stop contacting me even though I've tried to explain that I am not the person they are looking for, nor is the phone number ( my phone number ) registered to the person they claim to be looking for. This has been ongoing for quite some time, so we're talking about hundreds of phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXXXXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.
Product: Debt collection

XXXX credit report viewed on website and disputed the validity of fake debts I have in past as they cant provide me wet signature to prove it was ever mine but XXXX XXXX XXXX XXXX are listed presently as two separate neg debts making any potential creditor believe I am owing two different debts when its same evidence by my screenshot showing both same account numbers. My score is suffering and fico and although I disputed u was supposed to get new car and this is going to drastically affect my finance rate and charges i am now offered. Im so mad this is super illegal to misrepresent the same debt as two separate one knowing I less likely to ever get approved with more debt ofc
Product: Credit reporting, credit repair services, or other personal consumer reports

The car that I had was in a car XXXX. The person that caused the accident Insurance Company paid the balance on the car in full. The balance that is showing on my credit report can not be from that car and the balance should be removed on my account. The payments that are showing on the car and the payment that is showing is not the amount that was agreed upon under my contract. I have not signed a new agreement authorizing this. This needs to be removed off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are 2 inquiries that i didn't authorized from XXXX XXXX from XXXX XXXX and XX/XX/XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated with all three credit companies about their inaccurate reporting information. Unfortunately, this erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. 
List of inaccurate information : Both XXXX XXXX and XXXX ON XXXX are inaccurate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. 

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
PROHIBITION : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. 

The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. 


Both XXXX XXXX and XXXX XXXX XXXX  are inaccurate and must be removed.
Product: Credit card

My issue with Synchrony Financial is related to two credit card accounts serviced by Synchrony : Amazon.com Store Card ( XXXX XXXX XXXX XXXX ) and Sam 's Club Mastercard account ( XXXX XXXX XXXX XXXX ). Additionally, I believe that Synchrony 's actions are destroying my credit rating that I have carefully cultivated over many years. 

I am a retired XXXX XXXX  XXXX and former XXXX XXXX XXXX. 

Synchrony Financial 's strict interpretation of the two returned checks in the past twelve months is at best unmindful of facts or extenuating circumstances. The two checks that were rejected by my Bank 's ( XXXX XXXX XXXX  ) XXXX, although technically falling in the twelve months period, actually occurred in a two day period ( XX/XX/XXXX and XXXX, XXXX  ). 

The occurrences on XX/XX/XXXX and XXXX are explained by the attached letter from XXXX XXXX XXXX, Senior Executive Vice President/General Counsel of XXXX XXXX XXXX  XXXX XXXX ) ( attached ). I had no idea why XXXX rejected the XX/XX/year> payments since I had been using their XXXX, with the same account number, since XXXX merged with XXXX XXXX Bank. 

Once the administrative error was recognized, a payment of {$230.00} ( {$140.00} + {$83.00} ) was made on XX/XX/year>, with the corrected account number. Synchrony 's customer service representative acknowledged the payment and the error ; and credited the interest/late fee charged. Problem solved, or so I thought. 

Four months later, after the issue was cured and resolved, without prior notice and despite regular payments starting with the {$230.00} payment on XX/XX/year>, Synchrony Financial arbitrarily closed my Amazon account and reduced my credit limit on my Sams Club account to a meager {$250.00} from {$10000.00}. 

I have had the Amazon and Sams Club accounts for well over 20 years without issues. The only reason I am persistent in restoring these accounts is because we like to shop at Amazon and Sams Club. 

I suspect the negative information in the XXXX credit file was the result of Synchrony 's actions. Because, I know nothing else changed. Synchrony set it up and then cited it to justify its actions. 

The fact is that my wife and I have a combined credit card limit of over {$100000.00} on three other credit cards NOT serviced by Synchrony Financial.
Product: Prepaid card

I was refunded by XXXX XXXX for office for XXXX {$500.00} transactions on XX/XX/XXXX : {$500.00} on card ending in XXXX {$500.00} on card ending in XXXX I have provided proof from XXXX including the tracer numbers that a refund was issued. For whatever reason INCOMM is not crediting the funds to the cards.
Product: Credit card

I have consistently made timely payments on this account, ensuring they are never overdue. I am unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.
Product: Credit reporting or other personal consumer reports

Today ( XX/XX/XXXX ) I received an email from JP Morgan Chase Bank stating, XXXX, Thanks for applying for a Chase credit card. 

This was not sent to my personal email but actually my parents email. 

XXXX XXXX XXXX XXXX Parents Email XXXX XXXX I did not apply for this card and Im worried someone else may be trying to open this card in my name. I can not contact Chase about this as theyre closed, its past their call center hours, and I cant stop in tomorrow ( XX/XX/XXXX ) because it is a Sunday. I will attempt to contact them on Monday or stop in to XXXX of their locations. 

Additionally, I received an update via email today ( XXXX ) from XXXX stating my credit file has been updated. Upon looking in to the update it says, JPMCB CARD SERVIES got a copy of yourXX/XX/XXXX Credit Report.. I do notice services is misspelled. Not sure what that means or alludes to. 

It goes on to say, JPMCB CARD SERVIES made a Bank XXXX Credit Card Inquiry by checking your XXXX XXXX XXXX. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months.. 

The point is, I did not do any of this or authorize any of this to happen. I do not bank with Chase nor have I ever.
Product: Credit card or prepaid card

Step 1 : What is this complaint about?

Confusing and misleading advertisements around offers and benefits of AMEX.

Step 2 : What type of problem are you having? AMEX is not providing a {$60.00} credit that I am owed by using one of their offers.

Step 3 : What happened? 
Amex offered me an incentive to spend {$50.00} with XXXX and receive a {$20.00} credit ( up to 3 xs ). I accepted the offer and made the following purchases : XXXX XXXX {$52.00}, XXXX XXXX, {$81.00}, and XX/XX/XXXX = {$79.00}. When I reached out to Amex about the credit, I was told that I would receive the credit on next month 's statement becasue although the offer was used with your account, it was not purchased with the card with my name on it. This is a deceptive practice as they advertise an offer in my account and are not transparent about the terms. Since my wife is an authorized account manager, and cardholder through my account and the billing is merged, this offer should be valid.

Step 4 : What company is this complaint about? American Express ( AMEX ) Step 5 : Who are the people involved? 
XXXX from Amex XXXX from Amex XXXX XXXX from Amex
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, XXXX XXXX Compliance Guidelines, Credit Reporting Resource Guidelines Page 10-1 and 15 U.S. Code 1681n. I am demanding you remove this item immediately. The XXXX  XXXX XXXX XXXX account number : XXXX. This account is being reported illegally. If not removed immediately, I will pursue all legal remedies at my disposal. 
Accounts must be deleted for the following reasons : -Accounts which have been forwarded or sold to another entity ( Debt Buyer ) -Accounts numbers are not consistent across credit reporting agencies. 
-Willful Noncompliance. 

Disputed Items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX : # XXXX XXXX. XXXX XXXX XXXX XXXXXXXX Equifax Account XXXX : XXXX XXXX Credit Reporting Resource Guidelines Page 10-1 Violation : Accounts that should be removed.
Product: Credit card or prepaid card

I applied for the card and was accepted. I had to use it for dental appointments. I was NEVER late and always paid more than the amount. Recently with no warning they increased the amount and now the interest is almost as much as the payment!! I asked why they raised it. Their response was because I had too many credit cards. First of all that is none of their business. I pay all my bills on time and usually more than what the payment is. This is just a way to get more money that I do not have. I have already decided to cut their card up. I find this type of business to be very unreasonable. How am I to pay them off if I can't afford the payment. No wonder people are filing bankruptcy. Citi would rather lose customers than gain them!!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting

On XX/XX/2016 I sent out two separate letters to XXXX XXXX XXXX, they have 2 separate accounts listed on my credit report stating that I allegedly owe {$370.00}. I disputed these matters with them and never heard a word from them with proof of ownership of mine for these accounts. They have still to this day yet to furnish proof of me owning this debt. They are way past the 30 day reporting timeframe and have broken the law.
Product: Credit card

I registered for Macy 's Citibank card in XXXX and made the purchase and also paid the due in full in the month of XXXX XXXX but it seems Citibank reported that balance is still due and reported it to my Credit report. I never received any mail or email stating that there is due on my Macy 's citibank card and finally it went to Charge-off. I got to know about this when i applied for a loan in XXXX. Then i called Macy 's for clarification but Macy 's creditcard staff was so rude and told me this account is closed and we do n't know anything about this and gave me debt collectors number and asked me to call them. When i called collection agency they simply said that you have {$250.00} due but we do n't have any other information. Neither Macy 's nor collection agency is telling me anything about these charges even though i have paid the bill in full. It has ruined my credit score. Macy 's staff should be able to tell me about this charge as when it was made and why my bill is not showing as paid. I even got my historical statement from my Bank which clearly shows that i have paid the Macy 's credit card. All i need is the information as why this due is present on my card and why i was not being informed about it until it was sent to collection agency. Any help regarding this would be very much appreciated. I 'm even willing to pay this back ( even i have paid the bill, still ) but i need someone to ensure me that it will be deleted from credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX I am writing to formally dispute inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity. 
I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within 30 days, as required by law. 
Thank you for your attention to this matter. Should you need any additional information, you may contact me at [ your phone number ] or [ your email address ]. 


Sincerely, XXXX XXXX XXXX : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

PayPal has permanently limited my business account under the email XXXX and tells me they can not discuss the reason because it would interfere with their security systems, and as a result, I am unable to access the funds in my balance. 

As per my account records, there is a balance of {$940.00} within my PayPal account. However, despite multiple reminders and attempts to rectify this issue, PayPal has withheld my funds and imposed a 180-day hold period, during which I am unable to transfer or withdraw the funds.

While I understand that certain measures may be taken to ensure account security and adherence to company policies, I have broken XXXX policies, XXXX terms and conditions and this decision has caused significant financial hardship for me. I have made every effort to resolve this matter amicably, but it is clear that further action must be taken to ensure a fair and timely resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of these banks have fraudulent check my credit without my permission XXXX 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
Product: Credit card

I am writing to file a formal complaint against American Express regarding two disputed charges with a merchant " XXXX XXXX '' that have not been adequately resolved. 

I recently disputed two charges made by a merchant due to the fact that I did not receive any goods/services for my money and have since got blocked and ignored by this merchant. The two charges were {$25000.00} ( charged on XXXX ) and {$9000.00} ( charged on XXXX ) and were for mentorship programs/courses for XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed these both XXXX and American Express later informed me that the merchant allegedly responded to their inquiry regarding these charges. However, the merchant has ceased communication with me entirely, and I have been unable to reach them myself. At first, when I chatted with an American Express representative on their app their reasoning was " merchant stated that they have delivered your item '' but, on the actual dispute letter they stated that they have taken the side of the merchant claiming that no goods/services were involved, despite again the merchant not responding to me and all the evidence I provided to prove it. Their reasoning for not giving me the refund was very inconsistent to me, but I provided evidence to prove any and all of their reasonings wrong. 

When I requested the details of the merchants response from American Express, I was told that they could not disclose this information to me. This lack of transparency is frustrating and prevents me from fully understanding the basis of their response and exploring further options if necessary. Since, there was no action or justice being served there, I then, became desperate and asked the payment terminal " XXXX XXXX '' which the merchant used to see if they could help. But, I was also ignored and neglected by their customer service which was so hard to reach to begin with since they only have a number, no email, as most agents claimed that this was an issue with my creditor now. 

I am requesting that the CFPB investigate this matter and assist in resolving this issue, as I believe my ability to reach a satisfactory resolution with both American Express and the merchant has been compromised. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this complaint. 

All Documents Will Be Attached Below, Including Timelines and Attempts of resolving this through AMEX and the Merchant.
Product: Credit card or prepaid card

The Bank of America credit card was fraudulently obtained in my name while I was incarcerated in Federal Prison. The account was open XX/XX/2015 and the current status is a charge off showing a balance of {$8900.00}. I have contacted the company with no resolution.
Product: Debt collection

This debt was not mine. However I paid it and was promised it would be deleted from my report. I was provided a delete letter. It is showing on my XXXX report. I request it is deleted immediately. The debt is from Commonwealth Financial for {$260.00}
Product: Debt collection

To Whom It May Concern : I am writing regarding the charge-offs reported on my credit report with your company, Navy Federal Credit Union- please see below for all account numbers. To address this matter and ensure accurate record-keeping, I am requesting a copy of IRS Forms 1099-C if one has been issued for these accounts.

As you are aware, the IRS requires creditors to issue a 1099-C form when {$600.00} or more of debt is canceled or forgiven, pursuant to IRS guidelines . If you have canceled or forgiven the debt associated with this account and filed a 1099-C with the IRS, please provide a copy for my records.

If a 1099-C has not been issued, I would appreciate confirmation of this in writing. Additionally, if the debt has not been canceled or forgiven and remains collectible, please provide evidence supporting your right to collect, including but not limited to : 1. A detailed account statement showing the balance owed.

2. Documentation of the original agreement and terms.

I kindly request a response within 30 days of receiving this letter. If no response is provided, I will assume that a 1099-C was not issued, and the debt remains subject to dispute and these accounts need to be DELETED DUE TO INACCURATE REPORTING BY YOUR COMPANY which is being displayed on my credit report. 

Account Name and Account Numbers : Name : Navy Federal Credit Union Number : XXXX Name : Navy Federal Credit Union Number : XXXX Name : Navy Federal Credit Union Number XXXX XXXX Thank you for your prompt attention to this matter. Please direct your response to my address listed on this account or via email XXXX.