23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Our family loves the Amex XXXX Card. My wife has had hers for a few years and has really enjoyed the benefits, especially the XXXX XXXXXXXX XXXX XXXX during our vacations in XXXX and XXXX. When I saw the promotional offer for the American Express XXXX XXXX XXXX " Earn XXXX XXXX membership Rewards Points after you spend {$20000.00} in eligible purchases on the Card within you first 3 months of Card Membership. This offer may not be available if you leave this web page and return later {$690.00} Annual Fee ''. I applied for the offer right away and began using the card immediately. To keep track of my everyday purchases and ensure I reached the {$20000.00} spending goal within the first three months, I created an XXXX spreadsheet. As of XX/XX/XXXX, my total spending was {$20000.00} ( not including the {$690.00} annual fee ), broken down as follows : {$2600.00} ( Statement Ending XX/XX/XXXX ) {$3800.00} ( Statement Ending XX/XX/XXXX ) {$13000.00} ( Statement Ending XX/XX/XXXX ) I'm still using the card, even after exceeding the {$20000.00} spending requirement. However, when my fourth statement arrived, I noticed the promotional offer for XXXX points wasn't reflected. I called Amex customer service a few times and was advised to wait ten days for a resolution. As of today, XX/XX/XXXX, I still haven't received the points. I genuinely believe Amex should honor my bonus of XXXX points, especially since our family has been loyal members of American Express for over thirty years. Thank you for your consideration! Attached is the the screenshot of the offer for your record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX Date Opened : XXXX  Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00}
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 savings account as having one of the nation 's highest interest rates yet failed to notify accountholders about the superior rates offered by the 360 Performace Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Listed are XXXX accounts, XXXX XXXX XXXX and XXXX XXXX
Product: Checking or savings account

I called my automated bank phone number to check my account, and I noticed fraudulent charges from the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company listing below unlawfully disclosed private, personal, confidential information to Consumer Reporting Agency. violate the FCRA privacy Company : XXXX XXXX XXXX Account # XXXX Reporting date : XX/XX/2019 violated the 15 U.S.C 1681 share my personal information without my consent An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice, is guilty of a misdemeanor and subject to a fine of up to {$5000.00}, if the official acts willfully. 

" Any person who knowingly and willfully requests or obtains any record concerning an individual from an agency under false pretenses shall be guilty of a misdemeanor and fined not more than {$5000.00}. 5 U.S.C. 552a ( i ) ( 3 ).
Product: Credit reporting or other personal consumer reports

I looked at my report and noticed some things are incomplete and inaccurate I sent a letter to all XXXX credit bureaus ( XXXX XXXX and TransUnion ) I asked them to investigate the completeness and accuracy. I received the results and noticed that they did not fix nothing. There are breaking FEDERAL LAW!

According to 15usc 1681e ( b ) it states this ( b ) accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 usc 1681i ( 7 ) : ( 7 ) description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in a paragraph ( 6 ) ( b ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

They also are breaking these laws as well below 15 usc 1681i ( 5 ) it states this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall..

( I ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer According to 15 usc 1681s-2 it states this ( A ) reporting information with actual knowledge of errors This is unfair and if they doing it to me imagine who else they are doing this too. Can please fix ( Method of verification/the process and procedure used to verify information/name and contact information of person contacted/any contracts bearing my wet signature ) IT TOOK LONGER THAN 30 days on my investigation therefore these items by law have to be deleted
Product: Credit card

I got the card for 0 % APR for 18 months and got a letter that it will be extended. I didnt receive the card until XXXX after i applied in XXXX. They have been charging me interest and it shouldnt be charged. I want them to remove interest.
Product: Payday loan

In 2010, I applied for a {$250.00} payday loan through OneClickCash. I was under the impression that I was going to pay no more than {$90.00} for this loan. It 's a lot but I needed the money. The funds were taken out of my paycheck and after I had already paid back {$350.00}, an email stated that on my next payday, they were going to take {$140.00} more. I wrote to OneClickCash at that time and said they already received {$100.00} more than what I borrowed and now they wanted more? They responded that my loan was paying as per agreed but I really do n't recall signing up to pay back triple than what I borrowed. I would have never taken the loan to begin with if I knew that. 
I contacted my bank and told them what was happening and they told me they would take care of it. I believe the bank saw it as a scam and blocked OneClickCash from accessing my account. 
That was 6 years ago. Yesterday, I received a call from XXXX. When I answered the phone, it was a recorded voice saying the call was for me and if I was n't the person to hang up. It said if I was the person to either call back or press 1 to speak to someone. I opted to speak and I was connected with XXXX. She proceeded to tell me that I will be charged with fraud and that my license will be suspended and my wages garnished. She only said that she was representing XXXX XXXX and never told me where this originated. She also said that she had talked to my previous bank and claims that I told the bank that I did not recognize these charges and had them block the vendor. 
I told her that I recall having an account in the past but did not remember who it was with. I said that I had paid the full borrowed amount plus an extra {$100.00} and as far as I was concerned, I do n't owe anyone. She was hard to talk to and I had a hard time getting a word in. It was like she did n't want me to talk. She said that she would mark this as me refusing to pay, would charge me with fraud, would garnish my wages and suspend my license. 
I had a brief conversation with my attorney in which he suggested to call and ask they send proof. When I called, the number was busy most times, but when I did get through, it went straight to voicemail with no announcement of the company name, etc. I left a brief message with the case number they provided ( XXXX ) stating I would like documentation of this and provided my employers address to mail it to. I have not heard anything back.
Product: Debt collection

I understand that deciphering the intricacies of credit reporting can be as challenging as decoding hieroglyphics. However, I find it perplexing that some fraud accounts have successfully made their grand exit, while others seem to have mastered the art of resurrection. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
LET ME BE CRYSTAL CLEAR : ALL DISPUTED FRAUD ACCOUNTS ON MY CREDIT REPORT ARE THE RESULT OF IDENTITY THEFT, not some avant-garde performance art. I fail to comprehend why some of these impostors have been granted an unceremonious eviction, while their counterparts continue to throw a raucous party on my credit history. 
XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
I demand a fair and equitable resolution to this enigmatic situation. If certain fraud accounts can be deleted with the swiftness of a XXXX disappearing act, then surely, the rest can follow suit. It's only fair, right? OR IS FAIRNESS JUST ANOTHER ILLUSION IN THE MYSTERIOUS REALM OF CREDIT REPORTING? I implore you to exercise your investigative prowess and uncover the secrets behind this confounding conundrum. WHY DO SOME FRAUD ACCOUNTS RECEIVE A VIP PASS TO THE EXIT, WHILE OTHERS CLING TO MY CREDIT REPORT LIKE UNWANTED HOUSEGUESTS?
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018, I discover throughout a credit report alert that my credit score went down from XXXX to XXXX, that also I was behind more than 60 days with my closed credit card business account with CHASE BANK ONE CARD. 
I closed this above account on XX/XX/2018 with XXXX owned balance. 
I closed it because of multiple charges of XXXX XXXX insurance that I did not authorize. 
This account is a business credit card opened with a Tax ID number. 
On XX/XX/2018 my new payment due was XXXX and the account was closed.See exhibit 1, also the unauthorized two payment transaction to XXXX XXXX were refunded to me. 
On XX/XX/2018 CHASE BANK ONE CARD SERVICE report for the first time to the three credit bureaus XXXX  XXXX  AND XXXX  a 120 days plus overdue account referred to collection with the amount of {$510.00} for a bogus payment to XXXX XXXX, plus fees, for a non existent payment that XXXX XXXX did not receive at all and was not authorized by me and it was already refund it back to the account in two previous occasions. 
On XX/XX/XXXX to avoid collection and further credit score damage, I paid the remaining bogus balance knowing that It was a fraudulent collection and late fees. 

I demand an investigation.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many violations on my consumer report that goes agaisnt FDCPA, XXXX XXXX XXXX XXXX. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This has caused emotional stress simply because the credit report agency are not going through the proper steps to report these accounts. All these accounts require abritation according to their policy and can not be reporting or submitted to a collection agency or as charged off to attempt to sell my information. 

As this my XXXX time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violated the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they have on file for the account listed. Invalidated information by Equifax was not removed which constitute fraud under both Federal and State Laws. Due to this fact, negative mark are found on any of my credit reports.

Violation of the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Violation of the Fair Debt Collection Practices Act 15 USC 1692g
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the FCRA to conduct a reasonable re-investigation in dispute information on my credit reporting leaving inaccurate and unverifiable unbearable accounts unresolved these are all collections accounts that I have been disputing and they all say theyre open accounts and they refuse to move them charges can not be an open account. They are refusing to delete these account for my credit report
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX, CA XXXX. My date of birth is XX/XX/XXXX and my Social Security Number is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove these fraudulent accounts and addresses from my credit file. While checking my credit report, I noticed accounts, I did not authorize made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts and addresses be immediately removed from my credit file that Equifax has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence.

Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I also found fraudulent addresses, employers, and inquiries which will be listed below. 
FROUDULENT ADDRESSES! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 1 fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent account consist of a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/year> under the account number XXXX This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$45.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information reported on my credit report under the account with XXXX XXXX XXXX, account number XXXX. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report, consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. Additionally, 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information stipulates that if any item of information is found to be inaccurate or incomplete or can not be verified after a reinvestigation, it must be promptly deleted or modified, and the furnisher of that information must be notified. 

The following information on my credit report is inaccurate : - **Date opened : ** XX/XX/XXXX - **Status : ** Collection account, {$1100.00} past due as of XX/XX/XXXX - **Balance updated : ** XX/XX/XXXX - **Original creditor : ** XXXX Upon reviewing my records, I have found no basis for the account information provided, and I request that it be promptly deleted from my credit report. This disputed information is causing a significant negative impact on my credit score and is affecting my ability to obtain credit. 

Please investigate this matter and correct the inaccurate information or delete it from my file in accordance with the FCRA. Enclosed are copies of documents supporting my dispute : - Copy of my credit report with the disputed account highlighted. 
- Any relevant correspondence or records disproving the accuracy of the account information. 

I appreciate your prompt attention to this matter and request that you send me written confirmation once the investigation is complete and the necessary corrections have been made. This same alleged debt is being reported by XXXX. This is illegal. XXXX XXXX XXXX is trying to collect on the same account and they are both reporting how they were two different accounts and they are affecting my reputation with their bad practice.